23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am urgently reaching out to inform you that I am a victim of identity theft, resulting in multiple unauthorized inquiries appearing on my credit report. These inquiries were made without my knowledge or consent, and I am requesting swift action to resolve this issue. 

Inquiries - 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  I have filed an official identity theft report with the Federal Trade Commission XXXX FTC ) and am formally requesting the removal of these fraudulent inquiries to restore the accuracy of my credit report.
Product: Checking or savings account

I opened a CD with Ally Bank in XX/XX/XXXX. Originally, I was promised to have 1.6 % saving interest rate. However, I was never paid for that rate. Then, I asked to close my CD in XX/XX/XXXXXXXX  and experienced trouble to close my account. I mailed my closing account request three times but still not closed and received no. Then, I started to call Ally customer service and I was put on Fraud Alert. Then, I was limited to talk to Fraud department. Every call took me at least an hour. I had made at least twenty calls. During every call, I was first verified by customer service, then fraud department and then rerouted back to customer service and then rerouted back to fraud to prove my identity or vice versa in process.

Then after 2 weeks, I was finally asked for my bank account and Ally made a verification deposit to my bank account. So, I called Ally Bank to provide those deposit amount to verify my identity. Then, I again had to experience the marathon phone call process. Upon today, I still can not close my account. I had been given various excuses for not being able to close and went to many scam by Ally Bank to refuse to return my CD amount. 

You can contact me at XXXX XXXX XXXX 

Thank you, XXXX XXXX
Product: Checking or savings account

I opened a saving account at Citizens Access on XX/XX/2023 in the amount of {$160000.00}. As requested online, I linked my checking account from other institution to newly opened account at Citizens Access. I authorized Citizens Access to fund the account by withdrawing funds from checking account held in other institution. Account was fully funded on XX/XX/2023. On XX/XX/2023, I requested to transfer funds back to the institution the money was withdrawn from. Later that day I was informed that my account was frozen and I can not withdraw money from it. Since the account got frozen, I called numerous times and spoke to different bank representatives including " managers '' but no one gave me a clear answer as to the reason the account got frozen. Finally, I got contacted by XXXX XXXX ( XXXX ) from the office of the chairman with instruction how to proceed. As directed by the Citizens Access ( I personally spoke to XXXX XXXX ), I contacted funding bank ( XXXX ) and asked to send an ACH reversal. Within one week of the request, my account at the funding bank was funded in the amount of original transfer of {$160000.00}. At this point I considered this issue closed. However, when I checked the balance on my account at Citizens access the funds were never withdrawn and it was still showing the full balance of {$160000.00} plus interest. I called numerous times Citizens Access to discuss this matter, but customer service representative and supervisor didn't provide any information except that the account is frozen, and it is under investigation and no further information is available. On XX/XX/2023 my account at XXXX shows a negative balance of {$160000.00} and I assume that Citizens Access didn't release funds. This money is the proceeds from the sale of my residence in New York that was sold, and I intended to purchase a condominium in Florida where I moved after the sale. Based on the action of Citizens Access, I almost defaulted on the purchase contract and was about to lose deposit given to the seller. My son-in law was able to lend me the money so the deal could close. When XXXX credited my account, I returned the money to him. Now I have an overdrawn account and indefinitely can not repay XXXX unless Citizens returns my funds including interest. I do not know when this investigation will end, its going on since XX/XX/2023. My original complaint was made in XXXX, and it is still not resolved. Funding bank was contacted, ACH reversal was sent but the issue still not resolved. It looks like XXXX credited my account with their own funds with the XXXX that ACH reversal will be honored. It looks like it wasn't.
Product: Debt collection

I.C. System Inc. continues to harass me with phone calls and letters about an untrue, unproven, unverified, untimely and alleged Collection account, with their Reference Number : XXXX This account does not belong to me and was disputed many times and already removed from all 3 Credit Reports in 2021.

I.C. System Inc. has never furnished me any proof that they have any legal right to collect on this alleged debt. There is absolutely no signed contract from me and the alleged original Creditor, that I agreed that this alleged debt was to be sold to a 3rd party, like I.C. System Inc.

The bill I.C. System Inc. sent me, is not proof of any legal right to collect on a debt.

I.C. System Inc. is in clear violation of 15 USC 1692. ( C ) ( A ), of the FTC - Fair Debt Collection Practices Act.

I.C. System Inc. is also in clear violation of 15 USC 1692d 806 Harassment and abuse, by their constant harassing phone calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account does not belong to me nor should it be reporting to my credit file. I'm demanding that this unauthorized and unknown account be removed and blocked from my credit file. 

1 ) XXXX XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

I have contacted Penfed Credit Union numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling PenFed about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that PenFed notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called XXXX and requested for my credit profile to be reviewed and the CSR verified that no car loan from PenFed was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call PenFed and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my PenFed Credit Union has not reported accurately to my credit profile after XXXX months of paying on time payments to the company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I sent out a letter to XXXX on XX/XX/XXXX and never received any response. I will disclose the letter below : Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Ally Financial on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Capital One Bank Usa Na on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a notice from Shellpoint mortgaging company claiming i owe payment. I have no knowledge and has never had any credit or debit with this said company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

I experienced a hardship which caused me to fall behind on my payments. My lender Shellpoint has ignored my plea for help and have not reached out to see if there is anything I can do to avoid foreclosure and get back on track with my payments.
I have never been provided with any forms or packets in respect to applying for assistance. I have always been the one to reach out and am being told there is nothing they can do for me. I have never been appointed a point of contact, I have pretty much just been ignored since I fell behind. Had I not reached out to Shellpoint myself, who knows if they would have ever called me. I had heard stories of other lenders who try and help the borrower but not in my case. I strongly feel my rights are being violated and that unless I take legal action there is nothing else I can do about it.
Product: Debt collection

Several of weeks ago I received a notice from Client Services Inc in reference to an alleged balance owed to XXXX in the amount of {$14000.00}. In accordance with the Fair Credit Reporting Act ( FCRA ), Please provide validation of this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX TransUnion hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.
Product: Student loan

Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Product: Credit card

Dealing with Home Depot 's credit card customer service through Citibank has been nothing short of a nightmare. They lowered the credit line and the card was lost and used fraudulently. Now I am over my credit line and this is causing my XXXX XXXX to take a negative hit and affecting my everyday life. I want this account closed immediately and I want Home Depot Credit services to never contact me again. Only communication in writing. Close this account immediately and I will be getting legal involved to get this removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate   help
Product: Debt collection

R S clark and associate is attempting to collect a debt from me the first complaint i filed RS Clark stated that i didnt give 60 day notice i am uploading the notice the leasing office of the XXXX XXXX XXXX their client was given by me and the ledger from XXXX XXXX XXXX that the whole lease was paid in full the last part of the lease was money paid by TEXAS RENT RELIEF to XXXX XXXX XXXX that amt was over XXXX i have requested from TEXAS RENT RElief copy of the email that was sent to me that TRR paid the lease off and money was sent to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC bank incorrectly credited my account and then tried to collect incorrect amount from me. While I was dealing with HSBC and filing a complaint, HSBC reported my account delinquent. Attached you will find a letter from HSBC stating that they were wrong and that no negative reporting was done ( paragraph 3 ). I attached a screen print showing that they reported my account delinquent. 

I hope I explained everything
Product: Mortgage

First of all thank you for responding my complaint, NATIONSTAR MORTGAGE LLC responded to me stating they do n't have anything to do with my loan due to the INVESTOR THE BANK XXXX XXXX XXXX own my property now.Nationstar Mortgage LLC. wanted me to informed CONSUMER FINANCIAL PROTECTION BUREAU about THE BANK XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX. 
TEL. XXXX XXXX XXXX XXXX Although Nationstar Mortgage LLC agreed they will be responsible for responding to any concerns regarding the servicing of the loan which include ; 1.Validation of debt in which untill now they did not respond to my request dated XXXX XXXX. 
2.Forclosure process - I was sending documents Nationstar Mortgage LLC., last document dated XXXX but i was already forclose XX/XX/XXXX without giving me a notive.DUAL TRACKING. 
3.Payment assistance and modification-I was denied every time, not giving me a chance and I did try my best to make up payments. 
Again NATIONSTAR MORTGAGE LLC adress XXXX. XXXX XXXX, XXXX TEXAS XXXX, telling me we have to deal with THE BANK XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of several late payments on my credit report. 
The following accounts are inaccurately reflecting late payments, which were, in fact, paid on time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are obligated to provide accurate information to consumer reporting agencies. It is unlawful to report late payments when, in reality, those payments were made on time.

Additionally, according to 15 U.S. Code 1681a 2 ( A ) ( i ), a " consumer report '' should not include information solely related to transactions or experiences between the consumer and the person making the report unless otherwise provided for under specific exceptions. 
The late payments reported on the accounts listed above are inaccurate and should not be included in my credit report. 
I request that you promptly investigate and correct these inaccuracies by removing the erroneous late payment entries from my credit report. I trust that you will update my credit report to reflect my actual payment history, as required by law.
Product: Credit card or prepaid card

Synchrony Financial XXXX XXXX store credit card I am only opted in to receive email alerts when my payment is due in two days. I never received an email to make a payment, missed it and was charged a late fee. 

I am not opted into receive text messages about my account, but am receiving texts about my late payment and to make it now. 

I am concerned that they are not sending emails to other consumers so they can charge them a late fee and then report them as missing payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian was neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

Kay Jewelers charged me excessive interest without notifying me from the inception of the purchase it would an increase if not paid back in a certain time. I went back to the store I purchased a chain and it was almost laid off then I got this ridiculous interest. The guy never showed Ma receipt or read it to me he admitted he didn't to me.I put a complaint in and it took them XXXX  months to respond I finally got an answer yesterday. I purchased an item for {$1300.00} and almost {$4000.00} was added nor explained to me I was told there was no interest and was instructed to sign a receipt. The interest was never explained the guy admitted but told me he couldn't reverse it I had to call corporate. Which I did and wasn't successful..!!