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

I asked CitizensBank, through their email system, to close my account in XX/XX/XXXX ( XX/XX/XXXX ). They acknowledged my message and I thought that my account was closed. The account number is XXXX. 

I subsequently received a notice that my account was overdrawn, due apparently to items being presented against the account ( an ACH item from XXXX ) after I asked that it be closed. The amount OD was for the item and OD fees. I sent them a transfer to cover the overdrawn amount and bring the balance to XXXX. They said again that they would close my account if I did this. So I assumed again that the account was closed. 

I attempted again to get XXXX to cancel the ACH draft for an insurance policy ( I do not own the policy, it was for the daughter of someone I lived with for 22 years ). The agent that sold me the policy has long since moved on from the company. I do not have the policy number, since my ex has all that. 

A few weeks go by and I receive another notice my account is overdrawn {$9.00}. The amount OD represents only fees charged by Citizens for returning the XXXX ACH. I contacted the Bank again, spoke with them, received a voice mail message later that they had resolved the problem. I did not pay them the {$9.00}. They were going to reverse that. 

I received letter dtd XX/XX/XXXX that my account is now overdrawn {$19.00}. They simply refuse to close the account, continue these charges each month for returning an ACH item that I can not cancel, and which they do not pay. 

This is an incredibly abusive practice. I paid them the first time they failed to close the account, but having been assured by a supervisor that the account would be closed after that, I am not paying these people {$19.00} more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX 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 the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT 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
Product: Mortgage

I have tried to work with Penny Mac to release insurance claim check funds as they are the cosigner as Mortgagor. They released the initial claim check about two months ago and I sent the second insurance check to undergo the same process, but they require an adjuster document I never received and logically should have been already on file with the first check. They are making it extremely hard to complete the process and my contractor is needing payment. I can not pay out of pocket nor should I. Penny Mac has substantial evidence that the repairs are being/been made and they are obfuscating the process and continue to hold my money for the repairs. Customer service line is out of the country with marginal English speakers on the line. They have kept me on hold for hours to get no result. 
( bank info : Customer service : XXXX ( XXXX ) XXXX Headquarters : XXXX XXXX, CA XXXX XXXX : XXXX ( XXXX ) {$100.00} XXXX ( XXXX % ) XX/XX/XXXX, XXXX EST - Disclaimer Date founded : XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : PennyMac Loan Services , LLC ; PNMAC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information - Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute the following hard inquiries that are appearing on my Experian credit report. I believe these inquiries are inaccurate because I did not authorize them. 

XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX ( inquired on XX/XX/XXXX ) XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX XXXX ( inquired on XX/XX/XXXX ) XXXX ( inquired on XX/XX/XXXX ) I have no knowledge of these inquiries and did not apply for credit or any other services from these companies on the dates listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the unverified and inaccurate account from XXXX XXXX XXXX   with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Product: Credit card or prepaid card

I called the following Discover Card services and spoke with supervisors XXXX XXXX XXXX XXXX and XXXX ( XXXX  ) about money coming from my bank account for a Discover Card that I had not used in over 20 years : DISCOVER BANK XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX On XX/XX/XXXX at XXXX XXXX I spoke with Discover Card supervisors, XXXX ( XXXX  ) and XXXX ( XXXX  ) about Discover Card charges that was on my free annual credit card report. I am XXXX XXXX XXXX, and I have not charged any purchases on the Discover Card since XXXX. My daughter checked my credit, today, because money was being taken out my bank account, monthly, and I didn't know how to stop it. I was told by XXXX and XXXX that I was being charged for XXXX XXXX ( {$5.00} ) and XXXX XXXX XXXX ( {$2.00} ) on a credit card that I had not made a purchase on in over 20 years. I never requested protections from Discover Card. Discover Card has been charging me {$40.00} per month for {$8.00} protection plans. I paid off $ XXXX to Discover Card in XXXX for a XXXX  charge, and asked them not to charged anything else on this card. Now, Discover Card is stating I owe {$1400.00} for no purchases I made, but for the protections on the credit card, and Discover Card has been charging my account {$40.00} since XXXX. Why would I put protections on a card that I have not used in 20 years? I am old and I am not educated about these new things, but I am on a fixed income and I want my money back. I have never used Wallet Protection or Identity Protection. I do not know how to use these protections. I just want my money back. If my daughter had not check on my credit, Discover Card would have still been charging me $ XXXX  monthly. How can you charge for protections on a credit card from someone that has not purchased anything on the card for 20 years? The card should have been made inactive after the cardholder had not made any purchases in 12-18 months. I feel like Discover Card took advantage of an elderly person that just didn't understand about the charges, and didn't realize that the payments were for protections for the card. I am too old to give Discover Card {$9000.00} for a card that has not been used for purchases in 20 years. XXXX said that I would be refunded XXXX payments : {$240.00}. Discover Card charged me {$40.00} for 240 months. I am XXXX XXXX XXXX, and I can use that money for medical bills and medicines. I do not need a Discover Card and I do not need the services of Wallet and Identity Protections I do not want.
Product: Credit reporting or other personal consumer reports

Someone applied for a credit card using my info on XX/XX/2024. Now XXXX is reporting the hard inquiry which i would like to have removed. The credit card is from capital one bank. XXXX and capital one is aware of the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase for the removal of the collection account from credit report. My credit report should have increased by at least 23 points for the removal of the collection account from my credit report.
Product: Credit reporting or other personal consumer reports

I created an account on Experian to see my credit report and to do a credit freeze and they CONTINUALLY Send me marketing emails ( that they say arent ) about my credit report. 
I have ALL communication set to off on my account. 
I have sent emails to two of their support email addresses asking them to be removed from ALL their emails. 
I continue to get them. 
There is no unsubscribe link on any of these emails.
Product: Credit card or prepaid card

I had applied for the Apple Card ( XXXX ) and was denied multiple times for very unfair reasons. My credit report is inaccurate and has fraudulent accounts and collections on it. So therefore i shouldn't be denied for those reasons. I have never missed a payment nor had a credit card go to collections that i had RIGHTFULLY opened with my approval. Apple and Goldman Sachs Bank should approve the application.
Product: Debt collection

The company name : IC Systems INC has purchased a debt that doesn't belong to me with a balance of {$1600.00}. They are reporting this on my credit reports as a collection I owe them. My identity has be stolen completely and they are aware of this. They have a sign affidavit on file from me from others identity theft things. I need this off my report! It is not mines. This has negatively impacted my credit score and  me closing on my first home.I have no problem signing anything affidavit if they need it. I just need this off now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XX/XX/XXXX. I walked into XXXX XXXX  with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( Experian and XXXX  ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on XXXX or XXXX 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but XXXX  and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.
Product: Credit reporting

My credit report is showing a vague public record owing {$920.00}. This information is inaccurate and the information does not belong to me. I have tried to dispute the information in the past including obtaining a police report for identity theft and and the information is still showing on Equifax report however no other bureaus.
Product: Mortgage

Mr. Cooper was notified in XX/XX/XXXX about their overpayment of taxes to XXXX XXXX SC. They took out/ allegedly paid : {$6600.00}, which was when the tax bill is : XXXX. 
We confirmed with XXXX XXXX Tax that Mr. Cooper only paid {$2200.00}, and that XXXX, their wiring vendor must be holding the overpayment of {$4300.00}, and or MR. Cooper has embezzled the money. 
Mr. Cooper is saying we will be past due if we do not pay their recalculated amount based on their error, and depleted escrow account/ We have sent emails, certified mail, and chats. We were told an escrow audit would be done. Her is is XX/XX/XXXX. XXXX, no response. You can never get anyone on the phone. The chat option has XXXX plus in the cure, thus 2 hrs waiting. Which we have done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Within the past week, XXXX XXXX from LVNV funding contacted a relative, gave detailed and personal information about me, and about the debt owed. She used scare tactics and false information. She also gave out my address, and birthdate, among other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Bank of America, account number XXXX ; 2. ) Bank of America, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I  disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Checking or savings account

US BANK is involved in knowingly creating accounts under customers info that were unknowing about these accounts. us bank was recently involved in a complaint for these facts. US bank started a new process called auto escheatment which includes unclaimed assets and liquidated assets that have fully matured. XXXX XXXX was the head of the auto escheatment process and acting on inside information on an auto escheatment sent a XXXX worker to befriend me get my information and submit a claim to the south carolina unclaimed property treasury department and stole this escheatment. She then added the account to my fidelity investments account brokered by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX then emptied the account through XXXX ( c ) non profit donations to non profits set up by the criminals to avoid suspicion. US BANK Knew my location and instead escheated this to the state using inside information. A employee is impersonating me in a position of trust XXXX XXXX XXXX who recently ran for state legilature and won in XX/XX/XXXX, elections in AZ this is the same guy working for us bank cyber security team probably to cover up this massive fraud which the CFPB just began to scratch the surface into the real reason these accounts were created. i have an account that i opened and subsequently closed after opening i assume because of the flagged fraud.
Product: Debt collection

In the process of submitting a refinance application I became aware of a delinquent account with SYNCB/STASH that had been sold to a debt collector, XXXX XXXX XXXX, XXXX ( XXXX XXXX. This was a fraudulent account that I had not opened and was not aware of. I attempted to reach out to SYNCB/STASH to make them aware that the account was fraudulent but they referred me to deal with XXXX. After months of going back and forth XXXX acknowledged that the account had been fraudulent and that it would be deleted. 

After rechecking my credit it came to my attention that the account was still reporting, but that it was now a delinquent account with SYNCB/STASH. I once again reached out to SYNCB/STASH in order to have them remove the account from my credit. They refused to do so and said I would have to re-initiate another investigation with them that will take months to resolve. 

I am reaching out to you for assistance because SYNCB/STASH unwillingness to deal with this matter seriously and expeditiously is delaying my ability to refinance my home and will result in having to pay thousands additional in discount charges in the process.
Product: Credit card

I had a Sears credit card ending with XXXX. I had a financial difficulty, worked something out with Sears and made a payment with agreement on the phone to pay to delete. After Sears closed down, they sold the account to a 3rd party. 
In XX/XX/2023, I saw a negative report from them on my credit report so I called the credit card to dispute it. They refused to settle but also refused to remove it from credit report. They sent me a letter stating that they are no longer attempting to collect the remaining balance on my account. They refused to acknowledge my settlement payment that I already paid to delete from Sears because they're now the new owner of the account. Please help me to have them remove the negative report from my credit report because it is hurting my opportunities to purchase a house. 
I can be reached at my email : XXXX or my cell ( XXXX ) XXXX. I give you permission to talk to my wife on my behalf as well. 
Thank you so much for your understanding. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXXXXXX XXXX XXXX - Opened XXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Ref : NewRez LLC also XXXX Shellpoint Mortgage Services- XXXX XXXX XXXX NewRez Account # XXXX - XX/XX/2022 Notification of non-payment from NewRez LLC when in fact my payment was credited to another account. 

- XXXX XXXX Accounting Check # XXXX presented for payment on XXXX. 

- Payment Credited to NewRez Account # XXXX This was actually discovered through my own investigative process. 

- Have had multiple conversations and email communications. No resolution or acknowledgement of receiving then crediting the incorrect account. 

- Our on-line payment account is a complete disorganized mess - Our account indicates multiple late payment charges. 

Please assist as appropriate. 

Respectfully, XXXX XXXX, XXXX XXXX  XXXX