23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Company did not resolve the issue of my claim, instead just sent multiple emails asking for information that was sent already in regards to my claim. I'm receiving multiple emails asking for information in regards to my claim but when I send over h the information I get no confirmation it was received and then on the deadline I get an email stating my claim was denied because I didn't give it to them. XXXX, I have saved every email and every email asking if my information was received. 

The company claimed I did not send information and then closed the claim, only decided to reopen it up because I made a public statement in regards to it, I don't hear or receive anything in regards to the claim when I send information. Why open and close open and close claim. If sending an email to your XXXX isn't accurate let me know.
Product: Credit card

I put it this dispute for XXXX XXXX XXXX, I informed Capital One that I was not doing business with this company and they have been charging me for months. Capital One stated that they would do a dispute investigation and if they needed anything from me, they would reach out. Theyve never reached out and as of today they sent me a letter stating that they asked me for proof and my claim was denied. Theyve never asked me for anything and I have all the letters from Capital One. The last correspondence I have from Capital One was XX/XX/XXXX which was the initiation of the dispute and the last letter that I received was XX/XX/XXXX stating that they attempted to contact me which is not true. I have on my profile the Capital One can only contact me by Mail due to the fact that theyve done this in the past where they claim to get in contact with somebody and they dont.
Product: Mortgage

Everytime I call and tell them I applied for HAF they say they don't know who this is. Also XX/XX/XXXX I was XXXX behind because of the pandemic. They said they were push it to the end of the loan but then they added 5 yrs to my loan. So I stead of my loan 25yrs left I now have 30 again. They didn't give me any other options. I'll be XXXX when the house will be paid off I am XXXX  husband passed XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
BK OF AMER XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX and XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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/XXXX
Product: Credit card or prepaid card

I called Citi Easy deals to ask where almost XXXX points went that I use to be able to get auction items like gift cards. They told me they kept them for two years and after that dropped everyone down to a tier system based on spending and we were not using that card and got dropped down to the worst category and lost all of our points. This is not acceptable we earned those points. We called today to ask them to meet us in the middle and work through this and they said there is nothing they can or would do
Product: Student loan

XX/XX/XXXXI filed a ch XXXX bankruptcy after my wife died I had a federal parent plus loan that was sold to Navient financial ... during the 5 years of payments Navient collected 5 years of interest of approx. {$40000.00} none going to principal, as I understand. now im repaying aloan of approx. 83,000 at 8.5 % at a 30 yr rate ... its a killer Navient is claiming the federal govt is setting the loan rate really? 8.5 % also the presidents corona virus order to suspend payments with no interest for 6 months they will not honor ... now its a private loan sold to them???? unreal im XXXX years old and ill be dead by XXXX when its over.. because of the ch XXXX im denied any refinance options so im stuck at navients blood sucking interest rate is this legal????
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my XXXX  credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  XXXX  Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX/XXXX  XXXX Open XXXX To Be Closed XXXX XXXX/ XXXX/XXXX Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( XXXX, Equifax & XXXX  ) are all in violation of FCRA statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a personal loan of XXXX out through XXXX XXXX XXXX XXXX in the fall of XX/XX/XXXX. I became delinquent on the remaining balance of XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sued me and won a judgement in absentia and garnished my wages beyond the amount and fees owed. I disputed the validity of the debt in XX/XX/XXXX in XXXX County court where the garnishment was filed. I settled with XXXX, via a consent order, wherein, they would reimburse half of the garnishment, and I'd make payment arrangements to settle the balance. I have not had my funds returned. My attempts to contact XXXX XXXX, who represents XXXX in the case, have gone unanswered. Furthermore, XXXX XXXX has been paid in excess of the original balance owed, yet the company continues to maintain a lien on my property and is reporting to the credit agencies that I am delinquent and owe the full original balance despite the company being paid in full XX/XX/XXXX through an unlawful garnishment of my pay check.
Product: Credit reporting, credit repair services, or other personal consumer reports

another STALL TACTIC!!!! i put in so many hours researching this information just for transunion to not look into it. please take my case seriously. if nothing get done with this round i will be suing transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}
Product: Credit reporting or other personal consumer reports

Synchronys private policy under subsection With Your Consent states : We will request your permission to use or share your Personal Information for a specific purpose that is not compatible with the purposes listed here. We will notify you and request consent before we provide the Personal Information or before the Personal Information you have already provided is shared for such purpose I, the credit card consumer, has never given my written consent for my personal information to be shared with non-affiliates of Synchrony Bank. 

Synchrony Bank is also illegally reporting late payments detailed as transactions to my credit report. Exclusions as stated in 15USC1681a read Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; In summary, Synchrony Bank is in clear violation of reporting illegal items to my credit report. This has caused me a great deal of distress along with emotional and credit damage. I am requesting the removal of this account immediately.
Product: Credit card

I am writing to formally complain against Chase Bank for their failure to provide the requested U.S. mail certified receipt with my name and wet signature as evidence that they properly notified me about an alleged debt. This lack of proper documentation and failure to adhere to standard debt collection practices has caused significant confusion regarding legitimacy of the claim. 

I have requested formal proof of notification, specifically asking for the certified receipt bearing my name and wet signature, as is customary for such legal and financial matters, to ensure that the notification process adhered to proper protocols. 

My notification was requested through the CFPB on XX/XX/year>, complaint number XXXX. Despite my clear and reasonable requests, Chase Bank has failed to provide the requested proof, leaving the legitimacy of their debt claim in question. 

The bank 's inability to furnish requested documentation has not only impeded my ability to verify the validity of the alleged debt but has also caused undue stress and potential risk to my financial standing. 

I have attached the letter that Chase Bank uploaded to the CFPB on XX/XX/year>. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please delete all fraudulent accounts from my credit report. These fraudulent inaccuracies made me lose my job, they are preventing me from obtaining credit, causing stress to my mental and physical state, and is also the main reason to my marital and family issues. 
Thank you in advance for deleting these fraudulent accounts within 4 days of receiving my documents. I'm sure you won't discriminate against me or cause me any more harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Transunion that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid off in XX/XX/2019 in good standing. This line item should not be reporting any late payments. This false reporting of lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written requests, the unverified account listed below still appear inaccurate on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Correct this account immediately : XXXX XXXX XXXX Balance Owed : {$33000.00}.
Product: Student loan

I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

DSNB MACYS XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}
Product: Debt collection

Spoke with I C Systems on XX/XX/2020. Was sent to the management team, XXXX XXXX Employee number # XXXX. The company was unable to verify the information and existing debt. The account was placed for collection for an account that isn't mine. Nor have I lived at the address stated.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the issue persisted. I am extremely frustrated and need this matter resolved immediately. Please review the documents I've provided thoroughly so I can finally have peace of mind.
Product: Debt collection

Recently, I discovered an entry on my credit report from National Credit Systems for a debt I do not recognize. I believe this to be a case of identity theft, as I have never entered into the rental agreement they reference. 

On XX/XX/2024, I formally requested National Credit Systems to validate the debt, as is my right under the Fair Debt Collection Practices Act. Despite my request, they have failed to provide any documentation or proof that substantiates their claim. Instead, they responded by simply issuing another collection bill, disregarding my request for validation and my rights as a consumer. 

This failure to validate the debt not only violates the federal law that protects consumers from unfair collection practices but also has caused significant stress and potential harm to my financial reputation. I am concerned about the impact this unvalidated debt claim might have on my credit score and overall financial stability.
Product: Debt collection

I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. 

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX  and other credit resources, my credit scores are hindered by at least XXXX  points.
Product: Credit card

I made returns on my Bloomingdale 's store account back on XX/XX/XXXX in the amount of {$1300.00}. That left my account with a credit balance of - {$1300.00}. I subsequently requested a check be sent to me for the remaining credit balance and it was. On XX/XX/XXXX I cashed this check and a stop payment was subsequently placed on it on XX/XX/XXXX, reflecting on XXXX. I contacted Bloomingdale 's who informed me that they mistakenly put the stop payment on and that they also closed my account citing that it was an Employee account. I was a former employee, but my account was transitioned to a normal account soon after I quit Bloomingdale 's XX/XX/XXXX. I was also charged a returned item fee for the stop payment by my bank in the amount of {$12.00}.
Product: Credit card or prepaid card

I have an account which is reporting XXXX XXXX Account XXXX XXXX this account has always been paid on time. I noticed a late pay reporting on my credit report in XX/XX/2021. According to my knowledge this account has always been paid on time. 
I mailed out a request to the address listed on the credit report to request payment history etc. I didn't get a response therefore I am reaching out in the hopes to get this matter resolved. I would like to obtain copies of the original contract along with payment history for the duration on this account.