23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Product: Credit reporting

Back in XX/XX/2016 I sent a certified letter disputing some things and i received the green card back on XX/XX/2016 and they sent me a letter asking me to show my identity I sent it in certified and i received the card also and i called them and they are saying that they did n't get any of my information but i received the XXXX stated that They had gotten the information. And in XX/XX/XXXX i called and spoke to another Representative and she open up a new despite and i did not approve of that. And now i called back to speak with a supervisor on XX/XX/2016 about what is going on and now they have put on things that i have destitute in the past from a year ago and this has affected my credit report in a negative way.
Product: Checking or savings account

Today is XX/XX/year>XXXX  and I am filing a complaint because Capital One has failed to deposit my direct deposit from my employer and any other incoming deposits. Capital One is citing technical issues which have been going on since XX/XX/year>, and they are giving no information about when the problem will be solved. I am unable to access my online account and unable to use the mobile app to access my bank account. When I called the hotline, I was put on hold, then hung up on before speaking to anyone. Please provide some assistance in this issue.
Product: Debt collection

The original creditor of this account is Bank of America, and the debt collector is XXXX XXXX XXXX. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by XXXX XXXX XXXX regarding a fraudulent Bank of America account. I contacted XXXX XXXX XXXX and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called XXXX XXXX  XXXX again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXXXXXX XXXX from XXXX and had student loans for tuition through KeyBank, serviced by XXXX XXXX XXXX XXXX from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), KeyBank switched servicers from XXXX XXXX to XXXXXXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from KeyBank, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXX/XX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / KeyBank reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to KeyBank executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and KeyBank for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Product: Debt or credit management

This was a gym membership the contract was up and then it was month to month. When you dont pay you cant use the gym so why are their extra fees. When I stop using the gym.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After the XXXX  data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX  - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
Product: Debt collection

LVNV HSBC {$8400.00} duplicate entry for debt on XXXX and XXXX reported as Open accounts ; LVNV XXXX  {$8400.00} debt reported as an Open account on XXXX. 

XX/XX/XXXX Entry for Default Judgement in State of XXXX ; XX/XX/XXXX Release granted by the State of XXXX  ; XX/XX/XXXX LVNV acknowledged receipt of Release.
Product: Debt collection

This is a response to CFPB and settlement with GreenSky LLC regarding loan origination and servicing practices of Greensky that resulted in unauthorized loans, I have an account with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that partnered with GreenSky and authorized my consumer purchase number for a loan without my consent. The amount was XXXX, I have not received any notification from CFPB or Guideline Group Settlement Administrator that this account is included in the settlement and how can I receive compensation for the unprofessional actions that were taken against me during this loan application.
Product: Credit card or prepaid card

I got an email that chase " upgraded '' my card. I live in XXXX. They cancelled my old card ( which I told them not to do ). This leaves me in a terrible financial position with no emergency card. 

The attendant also did a hard credit check without telling me for a credit line increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is XXXX. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to XXXX and they still have failed to properly investigate and remove these accounts : XXXX XXXX XXXX ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.
Product: Money transfer, virtual currency, or money service

{$830.00} of Unauthorized transfers while I was in the hospitalXX/XX/XXXX. My phone was taken and misused at that time. When I got my phone XX/XX/XXXX I reported it to Chime
Product: Debt collection

I received a notification from my credit card company that my credit score dropped drastically due to a failed debt collection on a debt that was from fraudulent activity. 
I received this notification around XX/XX/XXXX. 
I contacted the company that put the negative item on my credit report, XXXX. 
They informed me that it was for tires purchased in New York. I informed them that I live in XXXX and have never been nor purchased anything from New York. 
After an investigation by XXXX, they found that it was fraudulent activity and told me that they would remove the derogatory item from my credit report. After several weeks and additional emails, they finally removed it from my credit report ( which prior to this, was excellent ). 
At the beginning of XX/XX/XXXX, I received another notice from my credit card company that my credit score had once again drastically decreased. In looking at my credit report, a debt collection agency put a negative item on my credit report. 
I called this agency ( Leafy Financial , LLC. ) where they told me that they had purchased a debt from XXXX and that I could work out of payment plan to pay it off. 
I informed them that it was an invalid debt and that they need to remove it from my credit report immediately. I supplied them documentation ( emails ) from XXXX, who admitted the mistake and removed it from my credit report. I also provided a report that I filed with the FTC, and a dispute with XXXX, who also provided me with a letter stating they found the activity to be fraudulent, and removed the item from my credit report. 
XXXX found the debt fraudulent and STILL proceeded to sell that debt to another debt collection agency. This is not acceptable at all. 
I wrote XXXX again and have yet to hear back from them. 
I need some assistance in getting these two companies to straighten out my previously excellent credit report/score, to ensure they don't sell the debt to another collection agency and I have to go through this again, and that they stop knowingly engaging in activity that ruins peoples credit, with fraudulent debt report and collection methods.
Product: Credit reporting or other personal consumer reports

Vance & Huffman LLC Submitted past years and XX/XX/year> FTC Copy if my DL Copy of my SS Card Reporting account that I do not own and reported various times. 

They have not returned proof of contract or company information they are collecting for. I've reported to unauthorized account and fraud and they continue to report on XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax and XXXX about the alleged Bankruptcy on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) XXXX and Equifax is in violation of my rights.
Product: Credit card

On XXXX XXXX, XXXX  I called Citi Card Customer services XXXX to remove the access blocked ref.code XXXX to make payments on my Citi account online but Citi customer services were unable to remove it. 
Although Citi canceled my credit card account for late payments, I want to open my account online to continue make payments, but was not permitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Rubin & Rothman filed a law suit case against me on behalf of XXXX XXXX. 
They were using a scarring technic and advise me not to go to court and signed some paperwork, forced me to make monthly payments to them, not to XXXX XXXXXXXX XXXX. 
After a while I tried to validate the debt. This company doesn't have nothing besides the copies of statements. they refused to establish an ownership of the debt and didn't provide me with a copy of the retainer between their company and XXXX XXXX XXXX. 
So they illegally filed a law suit on behalf of the bank when in reality they must act as a collection company and validate the debt first.
Product: Checking or savings account

On XX/XX/XXXX a {$500.00}. was withdrawn from my account at TD bank at the XXXX XXXX branch. 
I was not the person who withdrew this money, it was fraud. I went to the bank on XX/XX/XXXX to report this and I was told they would look into it. As I was told by XXXX XXXX customer service was I had to file a compliant with the notary from the bank. Her name is XXXX XXXX. I did this on XX/XX/XXXX and was told they would XXXX XXXX the complaint immediately and I would hear from them within the next few weeks. I continued to follow up and I was told these things take time when claiming XXXX. 
I think I have been more than patient with them and I would like my {$500.00}. plus fees for bounced checks and other expenses.
Product: Student loan

XX/XX/23, there was a glitch with my bank that affected a {$500.00} payment. I immediately corrected the matter and made another payment of {$500.00} the next day ( XX/XX/23 ) that Sallie Mae has refused to account for. They told me to get a letter from my credit union ( attached below ), proving that the second {$500.00} payment had not been returned and send it to them. They acknowledged receipt of the letter and said they would contact me within XXXX days. 

They have not. By my attached phone record, you will see that I tried many times to reach them. For those calls that lasted XXXX minute, by the time I finally got through to someone, the call was disconnected. They did not call me back though I had identified myself with the myriad identification methods they requested to simply talk with me. 

I have made XXXX payments since the {$500.00} payment in XXXX. The account is in good standing. However, they are charging me for interest and fees on the payment I made XX/XX/XXXX and the unadjusted balance since then. I do not trust their accounting at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to Equfax 's investigation to complaint number XXXX regarding XXXX XXXX XXXX. 
Equifax 's response exceeded the 30 day window to verify items listed on my credit report. 
This compliant was submitted on XX/XX/XXXX. Equifax responded on XX/XX/XXXX, ( 60 days after complaint ). 
Also, Equifax 's response failed to address the complaint. My complaint was that the Mortgage lender ( XXXX ) exceeded 30 days in verify my inquiry to XXXX in XX/XX/XXXX. Equifax 's response said that they were able to verify the report, but did not address the timeliness.
Product: Debt collection

XXXX sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX Transunion Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number
Product: Checking or savings account

I'm a victim of identity theft. Somebody opened a checking account in XXXX XXXX  XXXX. ( XXXX  ) on XX/XX/2023 with my name and personal information without my consent or approval. They transfer money ( {$9100.00} ) from my personal savings bank Citibank to XXXX XXXX  by an online transaction ( ACH ). I called CITIBANK AND PLACE A STOP PAYMENT AND REPORT FRAUD. After their investigation, they still didn't return my money back to my savings account. I need to secure my personal information and credit report that I could be victim of these criminals. Please HELP ME to protect and make safe my credit report by securing my individual personal information. I need to block my credit to prevent being a victim of other crimes in the future. 
Attached you can find POLICE REPORT, DEBIT CARD AND CHECKING INFORMATION OF XXXX XXXX NEVER OPENED WITH MY CONSENT Citibank report investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX  XXXX XXXX # XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX AND XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX