23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I called Ally Financial today XXXX/XXXX/XXXX in regard to a fraudulent account reporting on my credit report. I spoke to a representative named XXXX who was extremely rude. I could n't understand why she was being so rude when I was quite cordial. At any rate, i explained to XXXX that I had been a victim of identity theft dating back to XXXX. I explained that I added a fraud alert and a security freeze to my credit report. I also told her that no one contacted me regarding opening a new account with Ally Financial despite the fraud alert being on my report. XXXX asked me some questions such as account number with which I could not answer. XXXX very rudely told me she could n't give me any information because it was not my account. I explained to her that there appeared to be a payment history reporting o the credit report and I wanted to request the documents as I had no bank account once my personal information was compromised and used fraudulently. XXXX told me she could not provide me with that information and I would have to speak to the fraud department. I asked her if she had a direct telephone number for the fraud department and she said " NOPE '' and hung the phone up on me. I immediately called back and I spoke to XXXX who would not provide her last name. I explained too her that someone had stolen my information, I placed a fraud statement on my credit in XXXX, prior to what states the opening date of this account was and no one called to verify anything. I explained to her that I new nothing about this account and I was hoping to receive documentation so I can find out what account was used to make payments and who 's account it was. XXXX told me she could not provide that information. I asked XXXX if I could have the fraud departments telephone number and she stated that I was in the fraud department as XXXX had just previously said I was not. I do not understand why they will not provide the documents used to put this fraudulent and inaccurate account on my credit report. XXXX stated it is not my account. Therefore, It should be removed. At present, I have no definitive answers or feedback from Ally Financial, only a very rude representative who obviously does not understand the impact this has had on me. I have not utilized credit since this began in XXXX.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced XX/XX/XXXX and the divorce decree stated that a property with a XXXX  XXXX XXXX line of credit was given to my ex-wife. The line of credit was {$100000.00} joint account if both of our names. In XX/XX/XXXX XXXX XXXX XXXX acquired the property and sold it for {$110000.00}. I was never notify that the property was transfer to another company or in forecloser, I never sign or agreed to anything. The property sold for {$17000.00} more than what was owed on it. My ex-wife received the proceeds from the sale. XXXX XXXX XXXX reports the forecloser on my credit report and social security number for taxes and I didn't receive any of the proceeds either. I had no control over this property or decisions on the sale.
Product: Checking or savings account

On XX/XX/XXXX I went to a Citi bank branch to deposit a check that I received in the mail from my XXXX  taxes and I was advised my funds will be available XX/XX/XXXX on that day my account started it was blocked and when I called they stated they needed to verify the check. I called the tax company and they advised me on XX/XX/XXXX the check was verified and on XX/XX/XXXX they stated the bank received the funds and Citi bank advised me they close me account and kept hanging up on me when I asked for my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This is not fair. I might lose my house that is in escrow
Product: Credit reporting or other personal consumer reports

I have been trying to get a loan for some time now but I am not getting approved because of the errors on my report. You have no idea how frustrating and disappointing it is to be ignored consistently on my requests to correct inaccuracies in my credit report, it's making me mentally sick.
Product: Checking or savings account

TD Bank - I have checking, savings and Christmas Club with them. Christmas Club account was automatically closed out for XXXX on XXXX XXXX, XXXX. I have not received check of {$1100.00} as of XX/XX/XXXX. I first called on XX/XX/XXXX and asked about the check and was told to wait 10 days. I next called on XX/XX/XXXX. In the conversation I was informed that the check was sent to an old address that was not changed by the bank in the summer of XXXX with the other 2 accounts. The representative told me I needed to go to my branch about getting a new check if they knew me ( really? ). I explained my bank is in XX/XX/XXXX and I am currently teaching in XXXX, XX/XX/XXXX. I was informed that only a branch may reissue the check and I had to call them. My branch has closed ; nearest branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I called on XX/XX/XXXX and finally was able to talk to the Assistant Bank Manager, XXXX XXXX XXXX # XXXX. She informed me that I had to fill out paper work and have it notarized about the " lost '' check -- and that the Christmas Club check could not be replaced for 90 days or XX/XX/XXXX. I told her this was unacceptable, that THEY sent the check to the wrong address and I needed the money for Christmas. The money was automatically transferred from my checking to the Christmas Club each month - the check in question is for {$1100.00}. She told me policy was 90 days to replace. I asked for the money to be put in my checking account but to no avail. I have the necessary paperwork from TD Bank for a " stop '' on the missing check but with the virus we have to make an appointment with a notary and then fax the copy to the bank and mail the original.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a back account for my sister ( she is XXXX, XXXX  and XXXX   XXXX ) and on XX/XX/XXXX and on XXXX XXXX received a letter from Chase bank that XXXX  saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.
Product: Credit card

Ensuring that payments are consistently made on time has been a priority for me with regards to this account, thereby avoiding any instances of overdue payments. The factors contributing to the presence of late payment remarks on my accounts remain unclear. In compliance with XXXX XXXX XXXX - Billing Error, necessary amendments should be made to rectify any inaccuracies.
Product: Debt collection

I have been harassed for the last 6 months by  XXXX   XXXX   XXXX   ,   XXXX . Unfortunately, I needed to have   XXXX    XXXX   XXXX  last  XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital,  XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and  XXXX  other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a  XXXX  balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ).    I am now turning to you for help.
Product: Debt collection

On XX/XX/2018 I received a call from XXXX XXXX XXXX about a bill from XXXX. XXXX XXXX who represents XXXX had mailed a bill to my wife and I stating we owed {$880.00} to our address at that time. Since then we have changed addresses. My wife was wondering about the bill emailed XXXX XXXX of XXXX to find out what the charges were for. On XX/XX/2018 XXXX XXXX emailed my wife XXXX back that he would send a statement. This statement did not arrive until XX/XX/XXXX. XXXX XXXX had my wifes email address, work phone number, and cell phone number. XXXX XXXX neglected to let us know about a bill and sent it to collection. He had our address and since we didn't receive anything from Mr. XXXX we believed Mr. XXXX had made an error. XXXX XXXX XXXX had it on XX/XX/2018. Finally after 54 days I received a phone call from XXXX XXXX XXXX. Since they contacted me on XX/XX/2018 I have not received any correspondence from XXXX XXXX XXXX. XXXX XXXX XXXX had called and I had told the XXXX XXXX XXXX once about my present address. How many other people has this business turned people over for collections and not send anything out to people. This company I feel maybe deceiving others by their actions.
Product: Checking or savings account

2016 I been having problem opening bank account didn't understand..well I found out XXXX  XXXX my indenti was stolen..everything went bad..there a bank of America I susposley use.I never did I got check system letter that's how I found out..I guess there is fraud please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have had my account with Citibank for some time with no issues. I received a check in the amount of {$530.00} from an auto company my business partner, XXXX XXXX, and I do business with. The check was made out to XXXX XXXX however he had been admitted into the hospital due to complications with XXXX. Therefore he signed the check over to me. I deposited the check using the mobile deposit option. The check was accepted and cleared with no issues and was placed in my account on XX/XX/year>, the following day I tried to access my account and found there had been a block placed on the account. They would not give a reason for months then they tell me it's because their system accepted the XXXX party check and it shouldn't have. I was told the money would be returned to me after 60 days and the account would be closed. It was not. I was then told the money was returned to the auto company that wrote the check. XXXX XXXX called the company and they stated they did not receive any funds back and the check was cashed. I have been told for months that my account is in the process of closing however, I still receive an email monthly letting me know my new statement is available ( which i can not access ). I have asked citibank repeatedly to close the account and send me the remaining funds however they refuse to do so. They have held my money for going on 6 months now and it doesn't look as if they plan on resolving their issue any time soon. I only want the account closed and my money sent to me. They did state that if XXXX XXXX and myself go into a branch with our ID they will return the money. The closest branch is XXXX of miles away from my area and XXXX XXXX, although he is now out of the hospital, he is still not able to travel such distance. I have explained this to Citibank and they have made it clear they do not care about XXXX XXXX condition. If there is any way at all you could assist me in receiving my money from Citibank it would be greatly appreciated. Thank you
Product: Mortgage

Flagstar ran my XXXX XXXX in XX/XX/XXXX. They notified me of the shortage and I paid it in full. I paid the new mortgage payment in XX/XX/XXXX. This week I received documentation telling me that they ran another XXXX XXXX on XX/XX/XXXX and I have an additional shortage of XXXX I called them this morning and they apparently, because they didn't pay the correct amount on my tax bill, they decided to run another analysis. I can't understand how this is legal. They are not giving the option of just letting it be part of the analysis next year. I am so upset I am in XXXX  Nobody seems to understand how detrimental this is. I mean, just think... I can't trust the first analysis they provide? I have to wait to see if they will just do another one just because. I need help. They won't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

Unauthorized charges Chime Ba k Account on XXXXXXXX XXXX XXXXXXXX XXXX. 
I have call and spoke with XXXX on the Unauthorized Charges several in response they told me hey would look into them and that is all that has happened. 
the following are the Unauthorized Charges with dates : XXXX XXXX, XXXX {$140.00} XXXX  Unauthorized Charge XXXX XXXX, XXXX {$440.00XXXX XXXX Unauthorized Charge XXXX XXXX, XXXX {$300.00} XXXXXXXX Unauthorized Charge XXXX XXXX, XXXX {$420.0XXXX XXXX Unauthorized Charge XXXXXXXX XXXX XXXX {$420.00} XXXX Unauthorized Charge XXXXXXXX XXXX XXXX {$140.00} XXXX Unauthorized Charge XXXX XXXX, XXXX {$100.00} XXXX Unauthorized Charge XXXX XXXX, XXXX {$100.00} XXXX Unauthorized Charge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022, I requested the " METHOD OF VERIFICATION '' on the alleged accounts on my consumer report. I recently Challenged this account with the consumer reporting agency, stating they have " verified '' these accounts. I requested the " METHOD OF VERIFICATION '' with Innovis Consumer Assistance, with no response or explanation to this matter. Everything on a consumer report must be accurate and complete. 

15 USC 1681i ( Procedure in case of disputed accuracy )
Product: Debt collection

Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify Schreiber Law , LLC and affiliates to CEASE & Desist in all communications with me in regards to an alleged debt with XXXX or any other debts you allege I owe. 

Please be advised, that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Connecticut Attorney General 's office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company/firm for violation of the FDCPA. 

The emotional distress, anxiety, and frustration that I am suffering from due to your firms intimidating and constant contact DURING a PANDEMIC is beyond words. 

Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from you or your company/firm may be recorded to be used as evidence for my claims against you. 

Furthermore, I would also like to note herein that not only did I send previous Cease & Desist letters via mail to the Schreiber Law , LLC ( that were ignored ) that I also submitted a previous complaint with the CFPB about this firm. 

On XX/XX/2020 I submitted to the CFPB a complaint about Schreiber Law , LLC and requested that they CEASE & DESIST. Schreiber Law , LLC responded to the CFPB that they could not confirm who submitted the claim. Moreover, stated they would send a response directly to the consumer. In brief, my cease & desist request was ignored again and case was closed. 

In light of this firms response it begs the question. If Schrieber Law LLC, could not confirm who submitted the claim then how is it in their owns words to the CFPB do they respond by stating they will contact me directly?

I will enclose Schrieber Law, LLC 's most recent letter sent to me. I am in the hopes that the CFPB will take note of this deceptive and misleading letter sent.
Product: Student loan

There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. 
The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments.