23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I became aware of the debt by reviewing my 3-credit score, I had insurance at that time, I was not informed of any extra charges at the time of my services ware rendered, I contacted all XXXX they removed the information as well as XXXX. XXXX is refusing to remove the defamatory information, the original date of the services according to me was over 7 years ago and by default should be removed from the report. I disputed this information with XXXX XXXX or 4 times due to the fact the medical office didn't inform me that they war going to bill me for the services were rendered. According to my understanding of the law, a patient must be informed of any out-of-pocket expense at that time of service. 
I requested a copy of my original invoice or bill from the original billing, I was never provided with that information.
Product: Credit card or prepaid card

On XX/XX/2022, I disputed a transaction for a total of {$56.00}. The financial institutions opened the case : Claim ID : XXXX and submitted it to the merchant. On XX/XX/2022, I received a letter from the financial institution stating the transaction was VALID, and I accepted the merchant 's Terms and conditions. On XX/XX/2022, I tried to re-dispute the trade mentioned above, but the credit card company denied proceeding. However, I did not receive the merchandise was not and/or received it very late. Furthermore, I do not accept the Merchant Terms & Conditions agreement. 

Additionally, the financial institutions are not following the XXXX XXXX and XXXX XXXX XXXX XXXX. 

Moreover, the financial institutions were violating the 1005.11 ( c ) ) ii ) Act because they failed to provide to the customer the provision credit as required by law. 

1005.11 ( c ) ) ii ) Act ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation.
Product: Checking or savings account

I went into Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to deposit a XXXX checks on XX/XX/2023, that I received from XXXX XXXX XXXX, and XXXX check from XXXX XXXX XXXX XXXX total amount XXXX. I was told that they would place a hold on the XXXXXXXX XXXX checks until XX/XX/2023. The check was sent through the check reader, which was verified. My understanding under XXXX XXXX XXXX XXXX XXXX it states that XXXXXXXX XXXX checks are to be made available next business day, in which was told to the bank XXXX, which in return she said, they can place a hold on any check that they want to. I told the teller that I didnt want to deposit with them, so she did give my checks back, however I have a receipt with the hold times.
Product: Mortgage

My 2nd home mortgage for Citizens ( loan # XXXX ) matured on XX/XX/2022. The payoff amount of {$25000.00} is due in full and I am in able to pay it. I have requested advice and assistance on 6 -7 different phone calls to loss mitigation as well as loan refinancing departments. I have been told on 5 phone conversations that they would mail me a packet to fill out and they never have. I have also been told that my credit wouldnt be affected during this time, but it has. I have continued to make the monthly payments to Citizens and they keep returning them. I do not need payment assistance. I simply need for someone at Citizens to send my the information to fill out so I can modify this loan. So far I keep being transferred and hung up on and nobody seems to know what to do. Please help! 

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

Im writing regarding all negative reporting accounts. Please remove all negative reporting accounts.

It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures.

According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX Ive attached my Drivers License along with utility bill, and SS card for verification. 

Anticipating positive results on your behalf.
Product: Vehicle loan or lease

A loan was taken out in my name for a vehicle I didnt not authorized the vehicle was repossessed I have no knowledge of this transaction bank has refused to provide me with validation of this loan and they have tarnished my credit by butting it on my credit report and I also filed for fraud against all of this and they are refusing resolution I never signed any paperwork to be the borrow of this loan or gave verbal consent this bank has committed Fraud on a auto loan against me for XXXX in XXXX of XXXX  and refusing to provide me with verification that I authorized anything identity theft is what I am claiming
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received my dispute about incorrect payment history from XXXX XXXX. The report number was XXXX and was dated XX/XX/20. Upon their reinvestigation, which is attached, Experian refused, or neglected to put that I disputed the results, which by law, must be corrected due to their failure to give the correct information. I demand that my credit report be corrected in seven days. I have been harmed for too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer submitting this complaint myself. There's an account on my consumer report that is reporting delinquently and inaccurately. 

First of all, the account payment history is included when in fact the FCRA says that a consumer report must exclude the following : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

In this case, XXXX XXXX is the furnishing the very thing that is excluded from the consumer report which is the transactions and experience between myself and the corporation, XXXX XXXX.
Product: Credit card or prepaid card

XXXX of 2019 I opened a line of credit with GS bank usa. Apples new credit card. The card purposely did not come with the card number printed on it. 
This became an issue when I lost everything on my XXXX device. I have no history anywhere of this credit card and cant look it up because the card doesnt have a card number and cant look up my statements or transactions. I received no letters in the mail from this card company, no emails or anything to tell me I was past due or what I owed. There is no paper trail at all from them. I have called the card company and they said they didnt see that I owed anything, yet its still on my credit report that I owe {$1000.00}. Ive called the credit reporting companies and they told me to call the card company. 
Because of this issue with the card company I am unable to apply for a different credit card since they are reporting a balance due, yet I havent received any statement or any way to even verify the accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus of XXXX, XXXX XXXX, and Equifax in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false accounts consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru XXXX, whom I pay a monthly membership to help with these things. The dispute has been resolved and Navient reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to Navient 's purposeful fraudulent reporting. XXXX states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that XXXX is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against Navient and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to Navient 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that Navient insists are mine. I have asked Navient repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$160.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX c/o CFPB. 
( 1 )  I have XXXX student loans with XXXX. On one student loan with XXXX  account, TransUnion did NOT even report student loans payment information to XXXX for the entire year of XXXX, even requested to TransUnion many times in XXXX and XXXX. 

( 2 ) TransUnion publicly displayed a close variant of my social security number as my personal phone number in TransUnion credit report-making me a fraud victim. Thus, money was stolen from my bank account due to TransUnion displaying a close variant of my social security number as my personal phone number in TransUnion credit report. 

( 3 ) TransUnion willfully deleted my periodic payment accounts causing Credit Score to drop thus, preventing me in getting a home loan and a business loan at that time and those opportunities are forever foreclosed.. 

( 4 ) TransUnion allowed other unauthorized companies to review my credit report I violation of my privacy rights. 

( 5 ) Very Critically, TransUnion and TransUnion 's external lawyer ( listed below ) are NOW engaged in Witness Tampering - so that I can not ever complain to ( i ) CFPB and ( ii ) California Attorney Generals Office regarding TransUnions pervasive Abuse and Misconduct. 

XXXX XXXX XXXX California XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX & XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX CC. XXXX of California Attorney General & State Bar of California
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I've provided the report in this complaint as required by FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$2100.00} CAPITAL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX NA XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.
Product: Debt collection

I have a letter dated XXXX with a balance of {$5100.00} from Apelles- a collection company. 

When I spoke with them in XXXX of XXXX, speaking from the letter they'd sent to me, we spoke of a {$5100.00} balance due ( see attachment ). 

I agreed to pay {$50.00} dollar a week, which I have done, until the balance is {$0.00}. 

Today, XXXX, when I called to discuss a settlement, I was informed that my balance was {$3700.00} because on their end my starting balance was {$6100.00}. I never received a letter stating any balance, except the {$5100.00} balance. 

I have paid {$3000.00}, thus far. The balance due should be XXXX, not XXXX, which I was never informed about.
Product: Checking or savings account

On XX/XX/XXXX I deposited two United States Treasury issued checks, ( income tax returns ) at TRUIST Bank, XXXX XXXX one in the amount of XXXX to open a checking account and another for XXXX to open a savings ' account. 
I opened and online account and within XXXX business days the checking account funds were made available I made two transactions ( XXXX ) {$200.00} XXXX transaction to ex-wife ( XXXX ) {$200.00}. transfer to my XXXX credit card. After that my account was locked for suspected fraudulent activity. after repeated frustrated attempts to get any useful information towards resolution on TRUIST Banks fraud hot line, XXXX # XXXX after tree days of calling being told each day I would have an answer tomorrow, I demanded to speak with a supervisor, XXXX XXXX XXXX, fraud analysis, she could not even estimate a time of resolution or the nature of the suspected fraudulent activity. 
So I return to the branch I opened the account, I met with the Relationship Banker who opened the account, XXXX XXXX, initially I was told the account were being closed as a result of an adverse credit reporting and I got a letter to that affect, after looking to the matter in detail XXXX XXXX called the fraud department to intercede on my behalf and was equably dumbfounded, no resolution 's week later I return and I'm told I need a I.R.S. transcript to have my funds released, the rep. confessed that in 30 years he had never seen anything like this. XX/XX/XXXX, meet with I.R.S. get transcript return to bank on same day, I gave them to Senior Relationship Banker XXXX XXXX was helpful as well and confused being that these are Government issued checks and easily verifiable over the merchant direct line that was established for that purpose, so what's really going on, I suggested that they notify law enforcement if there is a criminal suspicion, I call the fraud resolution hotline again today XX/XX/XXXX, I was told that there has been an update since XX/XX/XXXX, I don't know how these people can just take my money and i have no resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Credit Systems International , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Credit Systems International , Inc., I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Credit System International , IncXXXX account number- XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to formally request that you block the fraudulent information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and certain information on my credit report was not initiated by me.

The fraudulent accounts or items that I request to be blocked include : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 605B, I demand you block and stop this information from reporting within four business days after receiving this request and the necessary documentation. Please confirm in writing that the fraudulent information has been blocked and will no longer be reported. 
I appreciate your prompt attention to this matter. If you require any additional information, feel free to contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX