23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company called my phone number asking for me I told them it was me and asked them what the call was regarding they refuse to tell me unless I give them personal information so I asked them not to call me and to send a letter They have called at least 3 more times and i repeatedly asked them to stop calling my phone and send a letter. I will not give out personal information to anyone I dont know who wont tell me why they are calling.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/year>2024 /XX/XX/XXXXXX/XX/scrub> 2024 /
Product: Credit card

The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.
Product: Debt collection

I have received several phone calls from Comenity Bank in regards to a Victoria Secret credit card. Today XX/XX/2022 after telling them on XXXX different occasions to send me validation through the mail, Friday XXXX being most recent. Approx XXXXXXXX XXXX XXXXXX/XX/2022 My mom answered the phone after they called XXXX  times in XXXXXXXX XXXX from a private/ unknown number. The representative said my name XXXX XXXX, my mom asked who it was she said Comenity Bank in regards to Victoria Secret you made a payment back in XXXX how close are you to making another payment. My mom asked how much is was for she gave her the amount of over {$200.00}. My mom proceed to tell the rep this wasnt XXXX and she paused and hung up. I did not know that my information could be given to anyone who answers my phone. I also dont understand why instead of mailing my letter they continue to call.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found several late payments from XXXX XXXX XXXX with account # XXXX, according to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. The is a volition I demand Equifax to update my account to pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of those inquiries were done without my consent.
Product: Debt collection

I received a collection bill via a collection agency called XXXX XXXX XXXX XXXX . They claim I owe {$250.00} to XXXX as of XXXX/XXXX/XXXX. However, I do not have a XXXX account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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 accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 

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 XXXXXXXX
Product: Debt collection

I received a 1099-C notice on XX/XX/XXXX forwarded to me from the current resident of an address that I no longer live at regarding a debt of {$2000.00} for a credit card that I've never applied for or possessed. I believe that this is a result of identity theft. I filed a claim with their fraud department, under case # XXXX. Multiple attempts were made to follow up on the claim in XXXX & XXXX with no response. 

Today XX/XX/XXXX, I've received a response stating that payments were made and statements were mailed to me. Bank of America could not have mailed anything to me. As this is the first time I'm ever receiving anything from them regarding a debt, and they even sent the initial correspondence to an address that I haven't lived at since XXXX of XX/XX/XXXX.. 

I have never made a payment on this card that they say that I have. They've also refused to provide me other information regarding the account, that would assist me in further disputing this fraudulent account. Attached is all of the correspondence that I've ever received from Bank of America.
Product: Credit reporting or other personal consumer reports

Dear Experian, I have identified information on my report that are a result of identity theft these accounts do not belong to me XXXX XXXX XXXX # XXXX I am writing to dispute the reappearance of an account on my credit report. The account in question was previously deleted due to fraud, and an FTC Identity Theft Report was provided to Experian at that time. However, the account has now been reinserted without proper notification. 

Account Details : Creditor Name : XXXX XXXX Bank Account Number : XXXX This account was investigated and deleted by both XXXX and XXXX and has not been reentered on their reports. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumers credit report, the consumer reporting agency must notify the consumer of the reinsertion within five business days. I did not receive any such notification regarding the reinsertion of this account.

I am providing Experian with a new FTC Identity Theft Report to support my dispute. I request that you investigate this matter and provide me with the required reinsertion notice. If the account can not be verified, I ask that it be permanently removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX my wife discovered several unauthorized XXXX transfers in a very short period of time that had drained our joint checking account balance. She asked me if I was familiar with the name the transfers went to or, if I had done the transfers. I had no knowledge of these transfers as I was not enrolled with XXXX and I don't know how XXXX works. My wife immediately called to report the unauthorized transfers on XX/XX/year> and was told the fraud team does not work on the weekends. She reported them to the online Wells Fargo representative and asked for the fraud team telephone number and what time they opened on Monday. She also asked for advice on whether or not the account should be closed and was told if it makes you feel safer. She responded that it did make her feel safer and so a new account number was issued for our joint checking account. She also asked that our joint checking account be frozen from any withdrawals as she saw another pending XXXX transfer for {$3500.00} that was in process. She was told it was most likely to late to try and stop the payment as it was already out of our account waiting to transfer. She called XXXX and the voice prompt told her she must go through the bank for unauthorized transfers. She called the Wells Fargo Fraud team at approximately XXXXXXXX XXXX est Monday XX/XX/year>. She reported the transactions as fraud. My wife was baffled as to why she received no messages of these large XXXX transfers. 
We went into our local Wells Fargo Bank on XX/XX/year> to sit down with a banker to help us navigate through the process of the fraud. We were unable to get a appointment until the next day XX/XX/year>. We let the banker know we had unauthorized XXXX transfers and needed help navigating through the problem. On XX/XX/year> at XXXXXXXX XXXX. while we were there the Wells Fargo banker she asked me to pull up the Wells Fargo Mobile App and I let her know I had never used it. She walked me through the process of installing it on my phone, and then discovered the XXXX payment messages about the transfers on this new account were there. I had no knowledge of this account and I had not opened it however it was in my name. The contact telephone and email address is not mine. The banker looked at our previous statement and saw that a loan had been applied for on XX/XX/year> and the loan had been approved and funded on XX/XX/year> {$10000.00}. had been deposited first in our joint checking account, and then rapidly XXXX out on XX/XX/XXXX, and continuing XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX for a total sum of XXXX on the loan and XXXX from our joint checking account. These XXXX transfers went to the fraudulent account that was in my name only, with the fraudulent email and telephone number. We received no notification of this {$10000.00}. loan approval or that we had even applied for it because all correspondence regarding this was on the fraudulent identity theft account.
Product: Credit card

CareCredit/Synchrony Bank apparently has a well hidden checkbox that is pre-checked to enroll the applicant in payment security services that have cost me over {$400.00} this year! I work in XXXX  and XXXX  and my wife is a XXXX  so we are not totally ignorant of how things work applying for credit, but I, as well as mutliple parties reporting to various XXXX and other forum groups, find this practice extremely deceptive at best. I wish to report this and see if you can put pressure on them to stop this deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts/ inquires cant be verified and need to removed from report XXXXXXXX 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
Product: Student loan

My son has been trying to pay his Sallie Mae loans to the best of his ability. the interest keeps making it higher and he can not for some reason have it based on his income. they are harassing his grandmother who was the co-signer and making her feel as though she has to pay and she has been taking money from her fixed living expenses to try and pay the out ragious amounts that keep going up because they say he 's not paying the full monthly amounts. th interest on his loans have gone through the rough and the payments are double what he brings in monthly. even if he lived at home and made no car payments and I paid for food and everything else he would not be able to make the payments since they keep raising them. There are XXXX different loans which they made him do instead of one. My mother is afraid she is going to loose everything because the payments are not more than all 3 of us together ca n't pay. This should be illegal and why they want let him base the payments off his income I will never know. Please help. And there are more than one of the choices below. We could select every answer below except getting a loan because they have all happened. Dealing with the lender is a joke. they hang up on you once they figure out who you are and will not even try to help. The payments need to be a fixed monthly amount that can be handled and still be able to eat and survive and maybe even feel like living again. Shame on Sallie Mae!!!!
Product: Checking or savings account

I receive direct deposit funds into my checking account on the third of each month. I receive a check from SSA for my XXXX, of {$920.00} and another for {$540.00} from survivor widow social security supplement. When the 3rd lands on a weekend or holiday i receive payment on the XXXX. I bank with US Bank since XXXX of last year. When i went to withdraw funds from my branch last Friday on XX/XX/XXXX i was told that my funds were on hold. And that the bank notified me by mail. That they were closing my account as of XX/XX/XXXX. But i never received this notice and my account continued to be active. As a matter of fact. Its still active but has a hold on my account funds. The branch employees have tried numerous times to reach the " deposit dept. '' And so have i to get my funds released and to discuss why they closed my account. I can not reach anyone regarding this matter. Iam on a fixed income. I pay my car insurance, my storage, phone bills, and room rental. And im about to lose it all because i dont have the money to pay for these necessities due to the bank not releasing my money. As a matter of fact. No one knows exactly where the money is or whos holding or why. Im at my wits end. And im desperate. I have XX/XX/XXXXXXXX and i wonder if thats why they are doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXXXXXX XXXX XXXX Balance XXXX {$6100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a Robbery with a firearmon my record, information is inaccurate.. I had a attempted robbery in XX/XX/2008. My charges are XXXX years ago I really dont appreciate the inaccuracies in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to inform the Credit Bureaus once again that I was a victim of identity theft and am requesting the removal of the fraudulent items from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are required to remove any items associated with identity theft. Here is the list of items that I would like to have removed. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.
Product: Checking or savings account

I am writing to file a formal complaint regarding an issue I encountered with Navy Federal Credit Union ( NFCU ) concerning my checking account. I opened an account with NFCU on Wednesday, XX/XX/year>, and after one month, I was informed that my account was closed due to an alleged fraudulent opening. Despite this claim, NFCU has not provided me with any explanation as to how or why they determined my account was opened fraudulently. 

Additionally, NFCU has retained my initial deposit, which I made at the time of account opening. I have contacted NFCU multiple times to request clarification on the reasons behind the account closure and the retention of my funds, but they have yet to offer a satisfactory explanation or resolution. I have requested details about the nature of the alleged fraud and the status of my deposit, but my inquiries have gone unanswered. 

This situation has caused me undue stress and inconvenience, and I am concerned that my rights as a consumer have not been properly respected. As a result, I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter and facilitating a resolution. I would like to understand the reasons for the account closure and, if applicable, receive a full refund of my initial deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is XXXX XXXX  FACTUAL DATA AKA FDXXXX XXXX on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I was surprised to find out that I was rejected from being able to accept the student loans that I had qualified for in order to send my daughter to college. This was a shock considering I am a single working mother with one job of over 28 years, and no debt at all except for a mortgage. I only have one credit card that I use, and I have no outstanding debt at all except my mortgage. I pay all my credit card statements in full each month, so there is no debt in my name. I asked for a full credit report from XXXX XXXX to find out why I was rejected. I was shocked to find that the report showed a name on my credit report that was not my name ( they have since taken off ). In addition, the report showed a phone number that I don't recognize. I have some credit cards that were issued in my name from XXXX including a debt collection agency ( Jefferson Capital Systems ) that has tried to get {$4200.00} from an unpaid XXXX XXXX account XXXX even though I have never had the credit cards named, nor have I I never had a XXXX XXXX account XXXX I issued an immediate investigation by XXXX XXXX and in XXXX I was told that the report was accurate. I have tried contacting Jefferson Capital Systems and have been unable to even get into their system. I also contacted my family financial advisor and she was unable to give me any names of people or companies that may help. I hope you can help to investigate further how these accounts were issued in my name and remove them from my credit history! Thank you.
Product: Mortgage

XX/XX/2019 XXXX XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX , TX XXXX Good morning, My husband and I are reaching out to you, in the hopes that you will assist us with our dealings with mr. Cooper. 

Currently, mr. Cooper is making NO effort whatsoever to engage us in meaningful and substantial dialogue, which will lead to resolving our foreclosure situation. 

To begin - our loan was transferred to mr. Cooper, from Seterus Loan Servicing, in XX/XX/XXXX. At the time our loan was transferred, we were in default, however, Seterus had modified it, 2 years prior - to roughly 150 % loan to value. This is an important piece of information, as I'll explain in a moment. 

We initially hired an attorney to assist us with our negotiations - XXXX XXXX XXXX. Mr. XXXX did little more than cash our checks, in his efforts to resolve this situation for us, so after disengaging with him, we retained a company who claimed they performed loan modifications - XXXX XXXX XXXX. This company did almost as much work as attorney XXXX.. NONE. 

Since disengaging with XXXX at the end of XX/XX/XXXX, we have been repeatedly told by mr. Cooper that our file/account is STILL labeled as In Default Litigation and that they're unable to discuss our account with us. 

This, in spite of the fact that we sent our confirmation letter of disengagement with XXXX, as well as a complete explanation of our relationship with mr. XXXX - along with a request to correct the current account status, as we're looking at a Summary Judgment hearing on XX/XX/XXXX. 

This process has been incredibly frustrating and, we we're told buy mr. Cooper before hiring XXXX, that no modification could be done - due to the fact that the loan was beyond the legal guidelines to modify. I'm referencing the 150 % loan-to-value modification that was done by Seterus. 

It's clear that mr. Cooper acquired this loan, knowing full well of what their intentions would be, with a very nefarious intent - either Force us to come to the table with cash ( which they've done. Demanding {$38000.00} ) or, take our home by way of sale, cash in the insurance on the loan and then sell our property for pure profit. 

Mr. Cooper has been accused and convicted of this type of activity thousands of times. We need your assistance to call them to the table and demand that they resolve this issue. 

Thank you in advance for your help with this!!