23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which they refuse to do!
Product: Debt collection

I've reached out to this collection agency on multiple occasions, regarding invalidated negative items that have been posted to my credit reports, with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). One of the items have since been removed, however, this one remains and it seems that it's being reported without valid proof of the debt. This leads me to believe that this company is operating under the guise of a collection agency, but instead, are actual charlatans. 

My last written communication to them was forwarded on XX/XX/XXXX, and it was received by their agency on XX/XX/XXXX. I sent a letter requesting validation of the debt they're pursuing me for, in the amount of {$3300.00}. 

This agency has responded to me in writing, without verifying the majority of the information I requested, which includes why their agency is pursing me for a debt, in which they can't produce any documentation substantiating their claim, or the fact that I owe them {$3300.00}. 

Included with this complaint, is the following : a. My letter ( dated : XX/XX/XXXX ) sent to ProCollect, requesting validation of the questionable debt bXXXX USPS return receipt, confirming delivery of my letter c. 7 pgs sent to me by ProCollect, which include : 5 pg lease agreement ; 1 pg bill summary ( move out statement ), with a XXXX ( {$0.00} ) balance ; and a ProCollect bill, with an amount due of {$3300.00}, without supporting documentation.
Product: Checking or savings account

Claim # XXXX was submitted on XX/XX/XXXX. I was told by a multitude of customer service reps that my dispute was solid and Id have my money back by Friday XXXX. Initially was told my account would be credited XXXX, then XXXX, and ultimately XXXX. On XXXX the claim was denied and I spoke to resolutions who told me I could submit my documentation regarding the merchants terms and conditions and their failure to abide by these, along with my extensive attempts to get a resolution directly from the merchant. I was told the claim may be reopened but I also expressed that Id had these documents all along - Id explained from the beginning the merchants violations and not once was I asked for documentation until after the claim was denied. 

Additionally, claim # XXXX submitted on XX/XX/XXXX had provisional credit revoked on XXXX because according to customer service I had not provided documentation. I had sent the documentation on XX/XX/XXXX and the rep was able to see that it had in fact been received and that there was an error on their part in reversing the provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this time, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments and my dental coverage was dropped.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situations. It is almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report.My husband as since lost his job we have been climbing back slowly ever since
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX COLLECTION SERVICES # XXXX never had this account or done any business with these companies.
Product: Debt collection

I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''
Product: Debt collection

Received a phone call from collections about XX/XX/2022 stating an outstanding debt. Was told it was for unpaid XXXX bills. I explained that I do not have a XXXX account & XXXX service is not available where I live. I also told them that I am a victim of identity theft. At this point they said they would discontinue collections efforts, email me the XXXX fraud packet to be filled out, & assigned a case # XXXX ). 
I was told by the representative ( XXXX ) that once the completed packet was received the case would be closed. I proceed to fill out the packet, attach all the required supporting documents, emailed & faxed back to XXXX 's fraud /identity theft department on XX/XX/2022. I have not been contacted by any means by XXXX & only discovered by an email alert from Identity Guard.
Product: Debt collection

Today at XXXX XXXX XXXX from Franklin Collections called me for {$360.00} for XXXX XXXX XXXX XXXX. She stated its {$150.00} for equipment and services back in XXXX. She also stated that its going to hit my credit if I didnt pay. The equipment was returned to XXXX in XXXX and they have acknowledged this in XXXX. I told her this and the fact that I currently have XXXX. She began to lie and refused to give me the address to her company. She the retracted her statement and stated she said it was pending to hit my credit. XXXX refused to give me the account number associated with her company and the address. She went as far as to place me on hold to take another call and refused several times to give me the information. This matter was resolved almost five years ago. I currently have their services. XXXX then began to make up lies of me having to pay a fee to get services. I had to ask several times for the address, account number, and for this fraudulent collection to be sent in writing.
Product: Credit card or prepaid card

American Express SERVE suspended my account with XXXX in account. Both my last payroll and Social Security check. No way to access or talk to anyone. Call customer support and get automated " suspended permanently ''. Can not get money out, pay bills, order food, get meds. I am XXXX and in quarantine. Absolutely not a XXXX on me. Tried XXXX, XXXX, and am told to call customer support. Can not log in to get info if my money is still there. I have no idea what to do.
Product: Student loan

IN XXXX, 2022, I CALLED XXXX CONCERNING MY STUDENT LOANS AND CONSOLIDATION. THEY RECOMMENDED THAT I CONSOLIDATE WITH MOHELA. I CONSOLIDATED THE LOANS. HOWEVER, I HAVE NOT BEEN ABLE TO REACH A LIVE AGENT, SINCE THE CONSOLIDATION. I RECEIVED A LETTER FROM MOHELA, INDICATING THAT I HAD DIED. I CALLED CONSISTENTLY AND HAVE NEVER BEEN ABLE TO REACH A LIVE AGENT.
Product: Credit card

There is an unknown Citibank account that is on my credit report that was sold to XXXX XXXX that I never opened and have no knowledge of, and I can not get deleted. I do not know the account number, the balance, who to dispute to, when it was opened, sold, transferred, charged off, payment history, dispute history, letters of collection, rights or terms and conditions, it is a complete and total mystery and I dispute in totality anything relating to this account. The account can not be validated per the FDCPA and the complete information I am looking to validate to take the proper action if I need to do that. I do not know who to contact or what to ask. Citibank directly needs to furnish all of this information to me since they are claiming the account as original creditor.
Product: Debt collection

XXXX is trying to collect on a debt that was charged off >7 years ago.

This debt was satisfied with the original debtor more than 7 years ago. 

XXXX XXXX XXXX is sending mail regarding a debt that was charged off and satisfied. It has been more than 7 years. 
Ge money bank and was charged off
Product: Bank account or service

On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Reference # XXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN tome. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) thecredit bureaus are required to remove any accounts or information not later than 4 business days afterthe date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

I have been a good customer with Wells Fargo since XX/XX/2007. Everytime I need to talk to someone I get put on hold or get disconnected. I have tried to close an account and they have a XXXX - XXXX day process to close account. I make a telephone payment and request the account be closed and they wo n't close account. Today I have spoken to more than XXXX agents spent more than an hour disconnected twice. Wells Fargo should not be in business if they can not look after their customers.
Product: Credit reporting or other personal consumer reports

LOUSY XXXX AND EXPERIAN SAID THEY COULDN'T IDENTIFY ME AT XXXX AND REFUSED TO PROVIDE XXXX AND EXPERIAN CREDIT REPORTS EVEN THOUGH XXXX DID IDENTIFY ME AND PROVIDED ME WITH MY XXXX REPORT.
Product: Credit reporting

Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint on this company for multiple reasons XXXX. XXXX XXXXXXXX XXXX I was in the process of shopping for a new bank account as I pulled my credit I have noticed that XXXX XXXX  XXXX charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing XXXX XXXXXXXX XXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXXXXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file dated XX/XX/2022 with Chex Systems. The following inquiries viewed by others and inquiries viewed by you currently listed on my Chex Systems Consumer Report ID : XXXX, are fraudulent, unauthorized and not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX showing on my consumer report, associated with Fraud. Advised by XXXX I have been removed from Financial Responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2012 Balance : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XX/XX/XXXX accounts that are not mine and 2 others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon further review of my credit report, there appears to be XXXX hard inquiries on my report in which I did not authorize or give permission for, nor do I recognize them! 

NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found out that my brother was using my personal information to obtain credit cards and loans. i knew that i had to take care of this but i hesitated because i didnt want my brother to get in trouble. now i must take care of this regardless of the consequences
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over thirty days ago asking for methods of verification to credit bureau and creditor I have received no response from either.
Product: Debt collection

I had been paying original lender XXXX XXXX  a monthly agreement upon sometimes {$50.00} to $ XXXX without true notice I was sent to it seems to be a collections called ICR or Independence Capital Recovery , LLC when searched online. They have been harassing myself wife and even extended family such as in laws since the beginning to middle of XX/XX/year> morning afternoon and night on this matter. Most times not even identifying themselves as it is a recorded message left for me or to my family. I've told them on numerous to stop contacting us. But they have proceeded to harass us for the last month. To my understanding per the fair credit reporting act they should not be able to do this. I feel that this collection should be removed from my account due to this treatment and the amount is inaccurate also. I would appreciate this be removed from my records from the reasons stated above and any questions feel free to reach out only to me no one else.
Product: Checking or savings account

Chase Processors has improperly and perhaps fraudulently removed money from my company 's checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We make use of a website, XXXX to sell product and provide customers a way to pay for their purchases with credit card. Chase performs the processing of the credit card transactions, for which they charge a base price of XXXX cents per transaction, or attempted transaction ( in the case where a submitted card for purchase has been denied ). On XX/XX/2024 my website was, unbeknownst to me, inundated in the background by a flood of attempted credit card purchases, the vast majority of which were denied, which persisted until XX/XX/2024. A rogue operation were testing a list of stolen credit card numbers on my website without my knowledge to see which were approved and still usable, a well known type of scam that Chase should have been aware of. On XX/XX/2024 Chase Processing deducted {$15000.00} from my account for their services for the month of XXXX. I was shocked. Historically, they have never deducted more than around {$300.00} for any month for their services. I became aware of the {$15000.00} deduction on XX/XX/XXXX when I logged into my checking account to pay bills. I called them immediately for an explanation. They said they were charging XXXX cents per transaction for over XXXX transactions that month. Chase is a huge, sophisticated operation. It is impossible that their tools and systems did not immediately detect a huge spike, amounting to a MULTIPLE OF AT LEAST A THOUSAND TIMES, over what my website customarily, and historically does. Plain common sense should have recognized that there was a bad actor at work. They breached their fiduciary obligation to me in two ways. They have among their tools the means to immediately put an end to the type of fraud that was occurring, but chose to do nothing, allowing charge after charge and fee after fee to continue for almost a full month. Neither did they alert me as to what was going on. I do not think that this, at minimum gross negligence, verging on complicity was without design. It reaped for them a {$15000.00} plus ill-gained windfall at the expense of a customer to whom they have fiduciary responsibility. If as I suspect this conduct of theirs extends across their whole system, there have probably been millions of dollars pillaged by them from small businesses in the most deceitful way. I request that you hold them to account.
Product: Checking or savings account

We opened Citibank checking account on XXXX XXXX as a new customer. The Citibank offer a promotion " deposit {$15000.00} and maintain for 60days will get {$400.00} bonus '' We However, Citibank did not offer us promotion after we finish all requirements. 
We tried to submit the claim to Citibank. However, they said I am not a new customer. ( see attachment ), which does not make sense.