23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I signed a lease with XXXX XXXX back in XX/XX/XXXX. The lease was for 1 year term ending in XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, Texas XXXX National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX They have reported to the credit bureau that I did not full fill my term successfully. Stating that I owe {$3500.00}. Where did this number came from I don't know. I have attempted to disputes multiple times without success. They have changed the date and after it went to collections somehow they report as a late payment as if it a current matter. This is so confusing and frustrating. By all means, is false and I don't understand how they are allowed to do such malice. After many calls to the credit bureau and sending them supporting documentation how is it that they can falsely information & the matter is closed basically saying I'm wrong & they are right. I wasn't aware of a 3rd party to reach to help me until now that I came across CFPB. 

XXXX XXXX scheduled a inspection date on XX/XX/XXXX in which the XXXX maintenance man came by to check and all was well. XXXX contact : ( XXXX ) XXXX I will attach the resident move out instructions given to me, the renewal offer that I declined because I found a home that was 5x the size and {$150.00} less. Also, the lease agreement Page 1. In addition, they even completed a form by my current landlord that I was completed my term successfully. I have followed their protocol giving them notices in advance and completed inspection prior to moving in to my residence of XXXX XXXX XXXX XXXX XXXX, Texas XXXX on XX/XX/XXXX. There is no balance due & successful completion was done of this term lease. Please help me to correct this matter but most importantly that no one else has to go though any injustice of suffer what this does to your credit allowing lenders to see you as unworthy. 

Thank you for your time in this matter, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding XXXX  investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : XXXX failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access. 
The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties.

Inaccuracies in Credit Reporting : XXXX failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate. 
Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
Product: Credit card

My most recent statement indicates XXXX charges for interest rate. XXXX is interest charge on purchases and the other XXXX is interest charge protected purchases. To the best of my knowledge I did not subscribe the XXXX service. I log in for chat with their rep. she was unable to tell me the difference between the XXXX interest charge, she keep telling me that it was a special purchase charge.
Product: Checking or savings account

I attempted to make a {$47.00} payment to XXXX to make a minimum payment on my credit line on XXXX XXXX chime rejected the payment for some reason. On XX/XX/XXXX I made a {$100.00} payment to XXXX on the same day, chime processed the {$47.00} payment from a week before as well without my consent.. I disputed the {$47.00} payment and they refunded my money today the XXXX but because of this XXXX considered it suspicious activity and froze my account.. when I called chime to ask for clarification, they said that XXXX rejected the initial {$47.00} payment and then asked for it to be put through again a week later.. which was clearly false information
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting 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 donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number.
Product: Credit reporting

I am a victim of identity theft and have unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Product: Debt collection

I keep receiving calls about debt I have no knowledge of, I have asked for validation of said debt to no avail
Product: Student loan

I have repeatedly tried to explain to my loan servicer, Navient, that I need help in the form of a forbearance or deferment due to extremely dire financial circumstances. I am the sole provider for a husband who has his own heaping student loan debt but who has become XXXX ill. We have declared bankruptcy from other creditors - we were not allowed to include our student loan debt. We are applying for permanent XXXX for my husband and are struggling to cover the basics such as rent, groceries, medications, doctor visits, and medical treatments. There is nothing leftover in a month to put toward a never-ending, ever-escalating student loan debt. Navient, like XXXX XXXX, and other student loan servicers, are no better than banks or other lenders who are unwilling to work with students who, due to unforeseen and tragic circumstances, are unable to make payments. Instead of halting the loan and working with consumers, they pad the total amount borrowed until it becomes an insurmountable financial burden far exceeding the original amount of the loan. It is a terrible practice to lend to students who do not anticipate that the worst may happen in their lives in the way of job loss ( es ), illness ( es ), and other unexpected hardships that anyone is susceptible to experiencing. No one who takes out a student loan to provide a better life for themselves through education plans on one day living in poverty. Students who have borrowed money to complete college and are unable to make a living should not be made into the working poor, should not be made to have to work multiple jobs to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft, see attached. I DO NOT need to provide an identity theft affidavit or police report. It is NOT REQUIRED under the Fair Credit Reporting Act. 

Within the attached document, I provided everything needed under 15 U.S.C. 1681c-2 My identity theft documentation is valid according to Federal Law.
Product: Debt collection

Today, at XXXX XXXX Pacific Time, Ireceiveda call from someone who asked for person X ( my partner ), and when I asked who they were, said : " This is XXXX XXXX  ''. I asked, " Which office of XXXX XXXX? '' They responded : " It's an office of XXXX XXXX  ''. I pressed again : " What office of XXXX XXXX  are you from? '' They responded : " With the University ''. When I finally pressed again, they responded, " I'm with Williams & Fudge, working on behalf of the University. '' I believe it is fraudulent to represent yourself as someone you are not. This was not a call from XXXX XXXX, they were from Williams & Fudge , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

I was notified in XXXX of XXXX that Cavalry had purchased a debt from XXXX and claimed I owed {$5900.00} and began reporting a collection to all three credit bureaus. The original debt is from XX/XX/XXXX. I disputed the debt and Cavalry has not provided adequate documentation showing that the debt is valid or belongs to me. Cavalry is also reporting false and inaccurate information regarding the age of the debt. As I do not believe that this debt is not valid, I have requested to have the matter be settled via arbitration and have served both Cavalry and their law firm with a demand for arbitration. Cavalry has not responded to the arbitration demand and continues attempts to collect the debt in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my dissatisfaction with the handling of my recent request to remove fraudulent items from my account. 

Despite my prompt action and providing all necessary documentation to support my claim, I am disappointed with the outcome of the initial attempt to remove the fraudulent items. The process has been slow and ineffective, and the fraudulent charges remain on my account, causing me undue stress and financial strain. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this issue. The failure to promptly address and remove the fraudulent items has not only compromised my financial security but has also eroded my trust in your company 's ability to protect its customers from fraudulent activity. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account and provide me with clear communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXXXXXX XX/XX/2022.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the closure of my Citi Bank credit card account without prior notice or a valid explanation. 

I got mails from citi around XX/XX/XXXX that my checking and saving account will be closed. 
I called Citi bank on XX/XX/XXXX and got no answers of the reason. In this call, I asked if my credit account will be closed and the answer was clearly no. 

Today when I login in my account I found my credit card account is also closed. I called Citi again and the representative told me I need to write a letter to their credit card services department. 

I have always maintained my account in good standing, consistently making timely payments and never exceeding my credit limit. This action was taken without any advance warning, and upon contacting Citi Bank 's customer service, I was not provided with a satisfactory explanation for the closure. I feel like I've been cheated as they told me it wouldn't be closed. 

This sudden closure has not only inconvenienced me but may also negatively impact my credit score, as the closure reduces my available credit and affects my credit utilization ratio. I still have around XXXX reward points in this account and I can't redeem them now. I believe this action is unfair and unjustified, given my responsible account management.
Product: Mortgage

Shellpoint Mortgage Servicing - NEW REZ claim to be a mortgage servicing company when they are really a debt collection company. I have tried unsuccessfully to either negotiate a pay off or have attorney fees charged to my account removed. On over XXXX occasions I have made payments that were listed as XXXX. As a result of this my loan was placed into the hands of their attorneys who have charged me almost {$5000.00}. In that time I have worked with XXXX loss mitigation officers. I have submitted the requested paperwork to them. on I believe XXXX occasions. Each time they do nothing with it until they send me a letter stating that it is now out of date. 

Shellpoint are not a good company to deal with. They have a XXXX  rating of XXXX out of XXXX *****. 

It is important to know that the mortgage in question has a principal balance of XXXX cent. There is a non-interest bearing balance of approx {$10000.00} + the {$5000.00} attorney fees that have been added. The reason my account is in this situation is because Shellpoint are not able to process my payments correctly.
Product: Bank account or service

I need to deposit a house insurance check in the amount of {$12000.00} to my Chase account and they are refusing to accept it because they say ( 1 ) the amount is too large, over {$10000.00} and since it was issued to my husband and myself and XXXX XXXX XXXX ( the XXXX company I hired ) and XXXX, and duly endorsed by all parties, Chase 's internal rule indicates that the check must be deposited to the business account holder in detriment of their own personal clients ( my husband and myself. ) Chase gave me two suggestions : ( 1 ) return the check to the insurance company with the endorsements and ask that they issue a second check only on behalf of my husband and I, or ( 2 ) have the check deposited in the XXXX ' banking account. Either of their solution is unacceptable to me as it exposes me to credit risk since ( 1 ) the insurance company may actually reject the check since the money was deposited by a third party and not the insured and ( 2 ) the fee to the XXXX is only {$2400.00} for which I already issued and delivered a check. By having the company deposit the check I need to wait for their bank to clear the balance of {$9600.00} which exposes me to the credit risk posed by the XXXX company for a week or so. Additionally, if my bank can stipulate what kinds of checks it can receive in the branches for small amount of dollars or any other internal rule, they are not doing their basic job of clearing checks! I have been a banker all my life, most recently as a Banking Center Manager at XXXX XXXX XXXX, and can not understand how a duly endorsed check, including with a signature guarantee on the part of the XXXX bank can not not be processed by the banking system. What would happen if I had a check issued for {$20000.00} with another payee such as a mortgage company as Chase wants, where would I deposit this check? Is this not the most basic of services a banking institution should provide? I am attaching the settlement agreement with the insurance company and my written communication with XXXX as well as the fully endorsed check for your review. I can not believe that even if this is once-in-a-life-time occurrence I do n't have a bank to deposit this check because of some internal rules of an institution with a charter approved to operate as a bank. An additional and final note, in speaking with a personal banker at Chase who was consulting over the phone with her back office manager, I was informed that if I had a Chase mortgage things would be different ... Is that so? I am being held hostage by my own bank for a simple banking transaction without a logical or reasonable explanation. The Consumer Financial Protection Bureau should not permit banks such intrusive and arbitrary internal rules which destroys the very reason why a bank exists.
Product: Debt collection

The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX. 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Credit reporting or other personal consumer reports

This account was opened XXXX. I advised that this account was created fraudulently and should be removed from my credit report. I provided police report XXXX with the XXXX, MN police department. I also advised I may have been a victim of sim swap as I have no idea how someone could open the account under my name. There is no other way for me to prove fraud besides filing a police report. No one seems to be able to help me. I continue to get harassed by phone calls, emails, and text messages to pay a balance that is not mine.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and found out Conn 's has been ongoing pulling a soft inquiry on my credit. Once a month since last year. I never asked them to do that.
Product: Debt collection

As today, I got the mail by Professional Finance company , Inc Reference # : XXXX Total amount : {$16.00} which is my own a debt to XXXX XXXX XXXX  XXXX with an account number of XXXX That was my on job injured. My company which is XXXX XXXX should be paid all of them. 
In this case, my company should be cover all my payment about this injured, and XXXX XXXX XXXX should be contact my company to fixed it. 
Thank you. 
My Email address : XXXX Phone number : XXXX XXXX XXXX