23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of unfair debt collection practices. The company Clark County Collection Service is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe an {$80.00} debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive contacted all credit bureaus, file a report police report, contacted all furnisher, and contact all banking institutions. Experian, XXXX, and XXXX has not properly investigated this matter. 
This has cause my family and I significant amount of financial burden and would like to bring further action and awareness to the steps not taken into correction of this matter
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX MT XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00} Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened an account with Citi Bank and they closed off my access to the online banking. I called and closed the account on XX/XX/2023 to make sure that the XXXX that I deposited into the account would be returned. The customer service representative said I would receive it after the account had been closed. I received a notice XX/XX/2023 that the funds were available and able to be accessed ( which they were not ). Then I received another notice XX/XX/2023 that the account would be closed in 60 days. I had called multiple times for answers and have received no news about the {$1000.00} that I had deposited into that account.
Product: Student loan

Sallie Mae will not release any of my loan information to me, I have callled numerous times requesting to speak with someone and to have my loan information sent to me. No one from there office is compliant I keep getting connected to a XXXX and XXXX who states it is n't his job to resend my information. I have also told and sent them information about my bankruptcy And still nothing is being done.
Product: Student loan

It was the whole problem how Great Lakes service loan provider, switched my loans to Nelnet and how things were handled. It was a security exchange act as well as indenture trustees information and would like for these to be discharge if not to be reported to FTC.
Product: Debt collection

This company ( that never stated their name directly I only found it through my XXXX app ), initially contacted me on XX/XX/2019 about a debt owed to XXXX XXXX XXXX XXXX. After explaining the extenuating circumstances and that I wasn't able to pay the amount they demanded and asked for them to cease contact, they began to harass me for phone numbers of my spouse and family members to get the debt paid. I refused to give them any information and hung up on them when they began yelling at me. They have continuously called me every day since then despite my asking them to stop.
Product: Checking or savings account

a gentleman call me in regards to a personal loan that I applied for. He asked for me to send money and I declined. I provided account number and routing number only for the deposit. My bank account was hacked the next day. I noticed multiple unknown transactions. There was multiple transactions for remitly that was sent from my XXXX XXXX account. There were XXXX transactions for XXXX each. The caller first identified himself as XXXX with XXXX XXXX he communicated with the number XXXX. The remitly transactions that were fraudulent went to somebody in XXXX named XXXX XXXX, number XXXX. There are XXXX reference numbers are : XXXX, XXXX, XXXX, XXXX. There was also a XXXX XXXX transaction on XX/XX/28 for {$150.00} to XXXX XXXX. His senior loan XXXX communicated with me with the fake name of XXXX XXXX with XXXX  XXXX the number that was used was XXXX. He was harassing me to send money. I refused. I checked my bank account and it was completely drained, multiple unknown transactions. I tried to log in to my mobile bank app and was locked out so I called the bank and they said somebody hacked into my account from out of state. The bank put a hold on my account and wouldnt release me my funds so I could open a new account at a different bank. They would not let me have the money until investigation is complete that can take up to XXXX  days. I have no money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not without my funds, need to pay rent etc. the bank treated me as if I did something wrong. The information provided is all I could investigate on my own.
Product: Student loan

I have been paying on this loan for over 9 years and only paid down {$2000.00} but recently with coronavirus I received an email that my loan is in forbearance for the next six months to help with what is going on which is very helpful however when I check on my account today it shows that my balance increased by XXXX. How is that when my account is on a forbearance by the government? Like I said I cant seem to get this balance down and Ive been paying for YEARS! Ive never missed a payment
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( 2 Year Term Ended ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I own a co-op apartment that I am trying to sell. On XXXX XXXX, 2019, I put my apartment on the market. That same week, I got a notification that my mortgage had been sold to XXXX and would be serviced by LoanCare. I accepted an offer on the co-op and went into contract on XXXX XXXX. The same day, I notified LoanCare via conference call with my attorney that I was selling the property and we requested the stock and lease and followed all of their instructions. I received two notices in the mail that my request had been received and acknowledged ( dated XXXX XXXX and XXXX XXXX ). Since then, no action has been taken on the part of LoanCare to produce the stock and lease and they have refused to coordinate with my attorney to set a closing date. Both myself and my attorney have called them many times ( every business day for the past several weeks ) and every time are told that there is no update. They have said that they would " escalate '' the request, but still nothing has been done. On Friday XXXX XXXX, I spoke with a supervisor who told me that she could see digital copies of all of the documents XXXX received when they purchased the loan and that the stock and lease were not among those documents. I asked if that meant they were lost, and explained ( as I have done multiple times now ) that the documents themselves can be replaced if that is the problem. She informed me that it appeared they were lost and made a note in my file that the documents were missing and that we would like to close without them. On Mon. XXXX XXXX and today ( the XXXX ) my attorney contacted them to have see if we can proceed without the physical documents, request them to complete an affidavit of lost stock and lease ( needed to replace them at closing ) and move ahead with scheduling a closing date. Their response, once again, was that they don't have an answer yet. They refuse to cooperate with myself or my attorney, refuse to schedule a closing date and refuse to communicate at all. This request was made XX/XX/XXXX and in the two and a half months since, no action has been taken on their part to complete it. My estimated closing date was XXXX XXXX. My buyers ' interest rate lock expired yesterday ( I do not know if they paid to extend it ). We are not able to close before XXXX XXXX and as of this weekend we will be in breach of the contract. My buyers are threatening to walk away and very soon they will be able to. We have been ready to close since the end of XXXX and LoanCare will not let us. They are quite literally holding my property hostage and my sale is about to fall through because they will not allow us to complete it for unknown reasons. Meanwhile I am forced to continue to pay them interest on a mortgage which should have been closed out weeks ago. I can not afford to indefinitely continue paying my mortgage and maintenance on an apartment in which I no longer reside while also paying for my current home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, XXXX and Transunion. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, XXXX and Transunion failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.
Product: Student loan

I have now submitted three SAVE applications because of Nelnet issues/errors/incorrect information provided. My current SAVE application is still pending ( initial application was in XX/XX/2023 ). I have called Nelnet several times with wait times of up to 3 hours. I am being told that I now have to wait an additional 1-2 weeks to have something manually re-applied to my loan in order to allow me to make a {$5.00} payment to move to the SAVE account ( and since it is mid- XXXX, I imagine this will be a much longer wait due to the holiday ). I am concerned this will not happen before my payment is due in XXXX, and the amount is insanely high ( standard repayment amount ) and I can not afford it. 

I also requested records of all past payments made to XXXX XXXX, my prior servicer. I was given vague records of payments made on closed loans that have since been paid in full. The records did not show last payments made on my current loans. I still need this information to verify that the Nelnet balance is accurate. I am not able to obtain these records from XXXX XXXX. 

I need assistance resolving these issues, most importantly the SAVE application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a car dealer ship and was told they would only run my credit report with one bank, and they ran through 5 banks. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX No car was purchased. Did not ask for a inquiry. 
XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX was declined, did not ask for this. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Did not ask for a increase. Denied. 
XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

Suntrust Home Equity Line of Credit 
This new Complaint is in reference to my previous complaint to CFPB case # XXXX Regarding a Fraudulent Appraisal performed by Suntrust . I am addressing letter from Suntrust Dated XX/XX/XXXX in particular the last line."XXXX,if you have any questions,please contact me at XXXX .---I will be glad to speak with you "  signed XXXX.
It appears to me I am getting the same run around from Suntrust that I had from XXXX thru XXXX .Phone and contact names that did not exist and or no return calls. .My initial complaint was sent to CFPB on XX/XX/XXXX .A Suntrust surrogate called on XXXX and said a XXXX will call me on XXXX ,NO CALL.  I called XXXX (Suntrust) on XXXX @ XXXX. and left message @XXXX for him to call me back ,NO CALL . I called again on XXXX @XXXX and left message for him to call me back ,NO CALL .
Called XXXX on XXXX @ XXXX and left message for him to call me back.NO CALL. Called XXXX again on XXXX @ XXXX. and left message for him to return call.  NO CALL . Called again on XXXX Left message for XXXX to call back. NO CALL . In each instance I referenced the CFPB case number XXXX and left my home number , a land line with answering machine. I also quoted the last line in his letter "he will be glad to speak with me ".  This is EXACTLY how Suntrust treated me during Foreclosure case and the ONGOING FRAUDULENT APPRAISAL CASE.I do have questions for XXXX (if he does exist ) .
Product: Mortgage

When I refinanced, I had trouble making payments that were too high. I feel like someone could have figured out a way to make my monthly payment less than the original payment. I feel I was set up for failure on purpose since I was retired and had less monthly income. I winded up selling the house for a lesser price to avoid foreclosure. XXXX was my contact. Now that I look back, I believe the change in my income was of no significance to XXXX. He didnt have my interest at heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not Experian have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Product: Checking or savings account

I opened my bank account in XXXX, I do remember. Back to XX/XX/2005 I guess. 
I recommend citi always. I do believe that your service is excellent so far. 
I still think you are the best till I received notice of account closing. 
Did not see that coming. Some warnings that caused I deposit and withdraw too many times with cash. I explained I earned and played XXXX. 
I also got money from my home town, XXXX XXXX. They wired money since I was a student in XX/XX/2005. Anyway citi closed both my checking and saving account. I accept that. But citi force to close my credit cards too. Did not even get a cashback 2 % for this month. No one explains clearly. 
Caller told me that I need to write down a letter. So I decided to write a letter. 
No one told me that I cant do lots of transactions because of I do have personal account. One of Branch managers told me that citi think that I do business with my personal account but I did not. Without warning or reasonable explain they just closed now. Now they tried to close my credit cards too. They never recommend me to open business banking account or explain I cant have many transactions with personal account. This is ridiculous and absurd. More disappointed than angry. I did not even hear answer for that whether I can open my account for the future. No one can explain anything. I did not anything wrong.
Product: Credit reporting or other personal consumer reports

I sent in a dispute document XXXX with my drivers license and my ss number I received a letter from equifax stating they cant dispute it because they need a copy of my ss and my drivers license which I have already sent
Product: Checking or savings account

On XX/XX/2022 at approximately XXXX XXXX, I was contacted by phone from someone claiming to be from Wells Fargo Fraud Department. Caller ID showed Wells Fargo. I was asked to input a numerical code that was texted to me to confirm my identity. 

I inputted the code and after several minutes on the phone, there was suspicious interaction by the agent. After 30 minutes, I told them that I was going to the local branch to resolve the matter. 

After going to a local branch in Arizona, I was told there was suspicious activity on my savings account regarding a wire transfer to a XXXX XXXX account and that Wells Fargo would inform the bank to freeze any transactions. 

Apparently, it was not done and $ XXXX was removed from my savings account. 

After several attempts at resolving this via phone and in person contact, nothing has been done on the part of Wells Fargo to restore my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

XXXX deleted one of the accounts but Experian and XXXX still have the account present on my profile and the information doesn't match.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention the accounts that are inaccurately reflected as late payments on my credit report. Despite my consistent history as a responsible and longstanding customer with a track record of on-time payments, these discrepancies have emerged.
Product: Debt collection

On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter.Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of  XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX since XX/XX/XXXX. I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX, hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Product: Debt collection

So there was no options on you list to describe my problem. So I got scammed into buying solar through XXXX XXXX XXXX XXXX  and the {$50000.00} system that was financed through good leap has never worked.so I stopped payment .good leap sent over a tech to disconnect the system ( that never worked ) and in the process knocked out half the electric in ny home. Several rooms had no electricity including my refrigerator. So I came home to everything in the freezer melting. It was this past XXXX  so I had to wait till XXXX  to get them on the phone and when I did the lady I spoke to said if I pay what I owe they can send someone back to connect my system.I told them I really dont care to have the broken system connected again but they needed to send a tech to properly disconnect the system! I got transferred to another lady also demanding payment and they refused to help me. They knocked out half the electric in my house and refused to fix it and I had to get an electrician over to fix it. Please ..this has been nothing but a nightmare. Good leap is wrong on so many levels
Product: Credit reporting, credit repair services, or other personal consumer reports

REACHED OUT TO XXXX, EXPERIAN, AND XXXX IN A XXXX OF XXXX TO DISPUTE VIA PHONE OR ONLINE TO HAVE THIS REMOVED AFTER BEING DENIED FOR A HOME A PROVIDING PROOF THIS IS INACCURATE REPORTING AND THIS INFORMATION WAS NOT FURNISHED BY THE COURTS. THEY CAN NOT TELL ME HOW THIS WAS PROVIDED AND WHO GAVE THEM THIS INFORMATION SO, THIS SHOULD BE REMOVED.
Product: Debt collection

I recently examined my credit report and noticed several accounts that appear to have been added without my authorization and are incorrect.
Product: Mortgage

I am far from the first consumer to file a complaint about Ditech as of late. On all consumer sites I see the issues are similar : consumers have misapplied payments, most of the complaints say the XXXX 2016 payment was applied directly to principle, late fees, collection calls, payments sitting in unapplied. This for me personally has been going on for 3+ weeks.