23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have notified Castle Credit Co Holdings , LLC that I was a victim of identity theft and have notified mailed them by mail numerous times. I have never received any responses from Castle Credit Co Holdings , LLC and I know they received my documents as I mailed them through XXXX XXXX XXXX Certified Mail with Return Receipt request and was signed for. I reported the Identity Theft, as requested by law enforcement, through the Federal Trade Commission, Identity Theft Report Number : XXXX, on XX/XX/XXXX and mailed them a copy of it. I have still not received any documentations that I requested about this fraudulent account which was reported to the major credit bureaus and was how I found out about the fraud accounts. I recently contacted an attorney to ask questions on why Castle Credit Co Holdings , LLC would not respond to me, and he said there probably most likely is a lien on your home and he was right. Today, XX/XX/XXXX, I did search the XXXX XXXX XXXXXXXX XXXX XXXX website as I own an investment property in Tennessee but reside in Illinois. The XXXXXXXX XXXX XXXX dated XX/XX/XXXX, states that this is a {$15000.00} XXXX XXXX XXXX XXXX I did not authorize nor have anyone install anything at that home nor is anyone allowed to alter anything at the property I own. This is a fraudulent XXXXXXXX XXXX and Castle Credit Co Holdings , LLC was notified by mail before the filing of this XXXX XXXX  Statement and/or Lien on XXXX investment property.
Product: Student loan

Company called Aidvantage keeps sending me a bill saying I owe something on a payment plan. Doesnt say the name of the company its owed to but its saying student aid, like a student loan etc and I have not been in school since I graduated in XXXX!!! This letter states the due date or bill date is XX/XX/XXXX!! I have called 3 times today trying to get this issue resolved. They hung up on me twice and the 3rd time I got an automated message! I need this resolved asap! Its clear that fraud has been committed and XXXX cant contact anyone to get it handled. I do not even know where to begin as I did not attend a school or get a loan!
Product: Mortgage

I applied for a Loan Modification in XXXX XXXX with CITI Bank. In XXXX XXXX a detailed Property Evaluation was performed. Since that time, I have provided all documents requested in a timely fashion, but CITI Bank keeps " kicking the final decision '' down the road. I have letters stating my loan was approved, only to discover those letters were sent in error and the application was still in review. I 've never been given any detailed answers on what the delay is, other than " this is a long process, '' and " we are busy with many applications. '' On XXXX/XXXX/XXXX, however, when I aggressively pressed for a detailed explanation, I was sent an email that stated the Underwriters need to get a Property Evaluation performed. When I reminded them this was done months ago, and I asked what was wrong with the evaluation done in XXXX, no one replied. It is clear CITI Bank is not interested in granting the loan modification, but for some reason they do not want to tell me that. I suspect they are trying to wear me down and hope I cancel my application.
Product: Checking or savings account

Someone used a fraudulent check with their own writing and completely wrong signature to cash out {$2100.00} from my Chase checking account. The bank refused to help me with the reason Im not careful with the check! Please help we work so hard for it and it almost XXXX time!
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XXXX XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XXXX XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XXXX XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing XXXX payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
Product: Credit card

Consumer Financial Protection Bureau, It shows on XXXX website the Jc Penney 's account was closed on the bank XXXX 's App. I can only view XXXX when I am logged in to XXXX. The problem is XXXX is accessible on XXXX 's App when I am logged in to my bank, credit accounts. When I attempted to log in to XXXX without XXXX I chose forgot my username. It showed to enter my birth date and social security number. It showed Sorry, but that didn't match up. Please try again. I entered the correct birth date and social security number. I had plan to apply for a car today and now my credit score shows poor from good within a month. 

I also should not have poor credit score because of Jc Penneys. I could not get a confirmation of from JC Penneys before and after my complaint with the consumer Financial Protection Bureau about their phone number show scam on the caller ID when they called me about my complaint and bill. There was a problem with their website and I could not log in to account that was not addresses after my complaints with your office. Will you please ask JC Penneys to contact both XXXX and XXXX XXXX  about their history effecting my credit score?

Please again mention to Jc Penneys I do not know if I am speaking to their office if it continues to show scam on the caller ID when they call me by phone? 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern : I received a copy of my credit report and found the following items to be errors.

The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts are opened on my credit without my knowledge Hard inquiries are on my account without my knowledge The employment info is a job I have never had Addresses are listed that I have never resided at, in states I've never lived
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting the XXXX   account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Product: Debt collection

I am been receiving collection letters from Linebacker Goggan Blair & Sampson, LLP since XXXX about a tollroad debt that is not my debt. On numerous occasions, I have tried to explain to the collection agent that I don't owe those charges. This can be verified with XXXX XXXX XXXX XXXX XXXX  as well via several calls I have had with them including a call in XX/XX/XXXX. The invoice # XXXX for reference. 
The collection agency has not followed up with XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report XX/XX/year> and found unusual activity on my report. To my finding there were hard inquires. On XX/XX/year> I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.
Product: Credit card

I have filled out a 1099A form for Fortiva, and the IRS accepted it on XX/XX/2024. This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.
Product: Student loan

I have a total of XXXX student loan with Navient. They have talked me into forbearance multiple times over the past 10 years causing interest to continue to accrue in my loan which is now {$200000.00}. My loan amount is now double XXXX being principle and XXXX being interest that just continues to grow month after month. The interest on my XXXX loan accrues at the rate of {$1100.00} per month and they continue to increase the amount owed to my credit reports ruining my credit. I will never be able to afford to pay {$1100.00} a month interest plus try to pay towards the principle. The higher the loan grows because of interest. The higher the interest will accrue monthly.
Product: Credit card

I made a credit card payment on XX/XX/year>, and I checked online and there was a double payment applied to my credit card account. I contacted Bank of America on XX/XX/year> and I was told I would receive the funds back in my checking account within 7 to 10 business days. I did not receive the funds in my checking account. So I called 2 weeks later and the CSR put me on hold ( for at least 15 to 30 minutes ) and reviewed the notes on my account. She then said it could take up to 30 days until I would receive credit to my checking account. I did receive documentation in the mail that the funds were sent back to my credit union checking account, but I did not receive the funds. So I called Bank of America again and the CSR said it could take up to 30 business days. I still have not received credit to my account and I believe this bank is giving me the run around. I believe I need some assistance at this point, because I believe this bank is violating Regulation E with false disclosures and replenishment of funds to my credit union account. Thank you for your assistance!
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct number : XXXX Dept of EdXXXX acct XXXX : XXXX XXXX XXXX acct XXXX : XXXX Dept of EdXXXX acct number : XXXXXXXX XXXX CHILD SUPPORT ENFORCE Acct number : XXXX Has violated my rights 15 U.S.C 1681 section 602 : States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account with out my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) section : states no consumer reporting agency may make consumer reports containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am a retired court reporter. I sold my 'writer ' online and the buyer paid through PayPal . The amount is {$3200.00}. This amount is unique, as most of my PayPal transactions have been for amounts less than {$100.00}. 

PayPal refuses to release the money! They are 'investigating ' and have interviewed me twice to explain my transactions. I know they have to guard against fraud, but I AM NOT A DRUG DEALER! 

This delay has been going on since XX/XX/XXXX. My question is, what is PayPal doing with my money in the meantime? I know banks make money on the 'float. '
Product: Money transfer, virtual currency, or money service

I received a call I believed to be a valid call from the Citi Bank fraud department that someone had attempted to make multiple transactions. This person claimed to be a CitiBank employee from the fraud department calling from a number, XXXX, which I later verified was a true CitiBank number. The results were that the fraudsters gained access to my banks checking and savings accounts and drained both accounts. After contacting the fraud department I was advised that this was through the XXXX which is a CitiBank function on the app. Citi Bank claims that I may not be able to receive full reimbursement of monies back even though this a fraud made by a person impersonating a CitiBank employee. When I followed up the next day with bank I discovered that this was fraud, the scammer, asked the same exact questions as the true bank employee.
Product: Checking or savings account

On XX/XX/XXXX I contacted Wells Fargo regarding some unauthorized transactions on my account. The gentlemen that helped me with the dispute informed me that we could only go as far back at XX/XX/XXXX. So I went through my bank statements and found 37 transactions that I never authorized. Most of those transactions were from one merchant. They told me to allow 10 days to investigate. I contacted them on XX/XX/XXXX to check the status and they informed me that it has been closed because they didnt see any unauthorized transactions and that I couldnt appeal it. I wouldnt dispute any transaction that I authorized. The transactions are the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX XXXX XXXX on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my XXXX XXXX account on time.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my XXXX  reports
Product: Checking or savings account

I am the XXXX XXXX  and XXXX XXXXr of a XXXX, Ohio-based XXXX XXXX, XXXX XXXX XXXX, which has been defrauded by a client of Fifth Third Bank -- XXXX XXXX XXXX XXXX, which is based in Illinois. Their 5/3 account number is : XXXX XXXX XXXX XXXX paid my company {$3000.00} on XX/XX/2020 via ACH ( from Fifth Third account to our XXXX account ). They also introduced me to XXXX XXXX, the Vice President and commercial accounts manager at 5/3 Bank in XXXX, IL : XXXX : XXXX I spoke with XXXX on the phone on XX/XX/XXXX XXXX to make sure that XXXX XXXX XXXX did indeed pay via ACH , which she confirmed they did. 

XXXX XXXX XXXX XXXX also provided us with a signed letter stating they paid us {$3000.00} and have no claims ( which I enclose ). 

However, on XX/XX/XXXX, XXXX XXXX XXXX was able to completely reverse the ACH payment -- all {$3000.00} of our money, from our bank account at XXXX. This is bank fraud, pure and simple. I pointed out in my complaint to XXXX XXXX that ACH reversals are only allowed if there was either a mistake in the amount or a mistake in the recipient, neither of which were the case as easily proven. Despite that, somehow the internal controls of Fifth Third Bank failed, and this fraud was allowed to happen. I thought that at least by bringing this to the attention of Ms. XXXX she would be able to correct the mistake and prevent Fifth Third from being part of this fraud by XXXX XXXX XXXX, however, unfortunately, she simply washed her hands and said this is a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- total nonsense considering we are talking about a bank transaction, a fraudulent payment reversal that was somehow allowed by the XXXX branch of Fifth Third Bank. 

I have filed a complaint with the Federal Motor Carrier Safety Administration ( FMCSA ) of the U.S. Department of Transportation, and have also filed complaints with the U.S. military since it was their shipment that we transported on behalf of XXXX XXXX XXXX ( who acted as a broker ). I will be continually escalating this on all avenues, especially the U.S. government and on social media, so that everyone knows what kind of a company XXXX XXXX XXXX is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit card or prepaid card

This concerns Synchrony Bank Amazon card. I stopped payment of {$480.00} on XX/XX/XXXX and replaced it with a {$500.00} payment the same day. They recorded the {$480.00} payment once on my account and returned it twice on my statement, adding a charge of {$480.00} to my balance. My payment for {$500.00} cleared the bank with no issue. I have called six times and sent several letters concerning this with absolutely no luck. This should be easy- one payment less two reversals = equals money back to client. I have absolutely no confidence in this organization. It doesn't seem there is one person there who can add or subtract!!!
Product: Debt collection

This business calls me from XXXX to my work # about XXXX times a week. I have written records of date and time they called. One day I picked up the phone and the lady was very pushy in asking me personal information such as " verification '' of my address etc. She said I owe money to " her client '', but would not disclose the client. I said if they know my phone they must have my address, and to dispute any bills by mail. She sounded increasingly frustrated that I would not even hint my zipcode etc. 
From that point on I have been receiving robocall phone calls. They never leave a message, but if I pick up the robocall says my name ( incorrectly pronounced ) and says that this message is for me and if I continue listening to it I acknowledge myself. It then goes on to say to call them back at this number XXXX, and that they are Chase Receivables. I do not have any debts, and I never list my work phone # anywhere except insurances though my employer. This business is a phishing scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. 
ACCT NAME : XXXX XXXX XXXX XXXXXXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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 an account without my written instructions.