23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency XXXX XXXX and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to Convergent Outsourcing who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up on my recent complaint submitted on XX/XX/XXXX, expressing my concerns about items included in my file resulting from a reported crime. I would like to emphasize that the items under dispute are entirely unrelated to any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Therefore, I respectfully request the removal of these items from my credit file, in accordance with FCRA Section 605b. As per the aforementioned section, Credit Bureaus are mandated to expunge any items listed on an identity theft report, with reference number XXXX. I have outlined the specified items that require immediate removal from my credit reports below : 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
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$330.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5200.00XXXX 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
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX and XXXX - XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

I opened multiple disputes with a merchant due to me returning items on XX/XX/year> and not receiving a refund. Items were picked up by the merchant 's private shipping company ( images were submitted as proof ). I provided very detailed information about my returns supporting my claim and I was denied because " we were not provided with proof that the merchant agreed to refund the credit card account ''. 

I'm not sure what new practices are going on with other businesses, but it is common knowledge that when customers return items with a business 's return window, a refund should be provided. 

I purchased the items on XX/XX/year>. The items were returned within the XXXX  day return window ( document attached ) and were confirmed received by the merchant 's customer service when I contacted them. The detailed documentation I provided also states that I was to return items by XX/XX/year>, which I clearly did. 

This is very shady behavior from Barclay and I can't believe they tried to get away with this.
Product: Checking or savings account

Wells Fargo Allowed an unknown person to walk in and empty our checking account, then refused to answer any questions, then denied the claim for the money.
Product: Debt collection

According to my credit report, this account, which was paid in XX/XX/XXXX, was opened in XX/XX/XXXX. It was reported as a delinquent collection on XX/XX/XXXX. I have not received any documentation from this company verifying this debt.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of DCI. 
These inaccurate accounts continue to be reported and they are not mine. 

Dci Opened XX/XX/XXXX {$270.00} Original creditor : XXXX Dci Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Warning to Remove Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Product: Debt collection

We have been receiving multiple calls daily in regards to a collection. The collection amount is incorrect and we have formally in writing disputed the charges. We have also in writing asked the debt collector to no longer call us. They have continued to call both myself and my wife in addition to non involved family members. Additionally they have verbally threatened and harassed my wife in regards to the debt.
Product: Credit card or prepaid card

Although within my credit limit, CitiCard blocked a transaction from being authorized. When I called to rectify the situation, I was told that nothing could be done because their system was down and they could not explain to me why my transaction was being blocked nor could they authorize the transaction. I was told to call back in 2 hours and they could hopefully resolve this situation. This was an unacceptable response. <P/>This prevented me from using the 0 % interest for 21 months that was a key feature of my product.
Product: Vehicle loan or lease

To Whom it may concern, I received a letter from Penfed stating that they will be changing me interest rate from 3.99 % as agreed upon in the contract to 14 % which I don't see in the truth in lending disclosure document that was signed. There changing the payments from {$770.00} to {$980.00}. Which is an {$11000.00} increase in finance charges to the life of the remaining 5 year loan. Mind you none of this stated on the truth in lending disclosure statement. There claim to this abusive charge is that I failed provide a title for the collateral. In Florida the title is electronic as stated on the Application for Vehicle Certificate of Title. Which was included in the paper work sent to Penfed. Upon the purchase on the registration of the vehicle I had Penfed Credit Union as the Lean holder which is stated on the Application for Vehicle Certification. I don't feel this fair nor even legal. I have attached all the paperwork that has been referenced. You may also contact the State of Florida to verify what is on the title. Penfed is acting in bad faith by attempting to add {$11000.00} in financing charges for something that they do already have as collateral as stated by the State of Florida. I look forward in your help to this matter. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my first Equifax Data breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX XXXX XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.
Product: Credit card

on XX/XX/23 i tried to use my citibank credit card ending in XXXX it was .declined. then i tried using my citibank XXXX XXXX  card ending in XXXX it was also declined. i called citibank and was informed that citibank had closed both accounts unbeknownst to me. 

both of these credit cards have rewards associated with them. the XXXX had rewards of {$2600.00} accrued. citi promptly sent me a check. the account ending in XXXX had cash rewards of {$28.00}. when i asked to redeem the money, i was told that it was forfeited. why? these are rewards that i earned by making purchases at XXXX. i might understand it if i had closed the account, but it was citi who closed it. also there is an inherent inconsistency citi 's policy. why did they send me a check for one citi account, but not the other. both of these credit cards are under the citibank umbrella.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Student loan

Navient claims to have a Tuition Answer Loan co-signed by my father. The documents Navient has sent me claim the loan was disbursed at the XXXX  XXXX XXXX XXXX. I never attended the XXXX  XXXX XXXX XXXX. 

I believe we qualified for the loan, but the loan was canceled on our end at the XXXX XXXX XXXX XXXX student loan office. My documentation for the loan was lost during one of my many moves do to being unable to afford housing. 

I don't recall accepting this loan and the fact that the loan documentation in the hands of Navient incorrect is beyond concerning. 

Further, I just filled out my PSLF forms and it noted none of my loans are in an income based repayment plan. This is incorrect, my loans have been in an income based repayment plan for over a decade. Again, this a failure to properly account for and maintain loans. 

Additionally, I was fraudulently placed and steered into a full forbearance ( not want I wanted or understood ) on my loans during a long period while recovering from a serious XXXX XXXX  that almost left me XXXX. I would also like to note that a Navient employee told me that my wife and I shouldn't have had a child during this process. Just absolutely sickening and vile behavior by Navient and its employees. 

XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX XXXX
Product: Prepaid card

I bought a Vanilla Visa Gift Card on XX/XX/year> and it was with an initial load of {$500.00} and Activated the same day, trying to make use of the card was abortive and I tried to check my BALANCE via the website and I found out that my card was placed on HOLD and since then Ive been all up and down with vanilla customer service to remove the hold and so I can make use of my card but it was not all working, of which I was requested to upload my Valid ID and Prove of Address, which I did in times for several months but still my {$500.00} still placed on HOLD, no REFUND nor REPLACEMENT Card was sent to me & I cant just let go of my Hard Earned money to slide away like that cuz its a day light robbery for vanilla tryna get away with my money for over 6 months
Product: Bank account or service

The most recently case : I contact with Wells Fargo they my case # XXXX. XXXX XXXX XXXX XXXX. I just opened a checking account in XXXX then after I got a letter to stating I applied credit card with Wells Fargo ( which I did not authorized ). After this Wells Fargo send me letter say they closed my checking account, because I am red flag with Wells Fargo. I 've been contacting with them multiple times, they said back then XXXX I had account with Wells Fargo, also accuse me the reason not allow me have account with Wells Fargo because " My account '' shows I am doing illegal things. Since then Wells Fargo put me in their red flag. This been really ridiculous because I lived in XXXX attending my school, there is no Wells Fargo bank in XXXX state. ( Move in XXXX on XXXX ) I 've been calling every month, the bank been give me a hard time, play the phone game ( I 've been talked to XXXX departments with Wells Fargo ). I asked them to check or give me more information about " the account ( which opened in XXXX ) '' they could n't find anything on that. after six months they send me a package with " personal identity stolen or protection blablabla ''. That 's it. Since then Wells Fargo not allow me open account with them. So this whole story from unauthorized credit card application to accuse me illegal activity " account back opened in XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I was in what they called a reage program, yet I was charged late fees. Under those circumstances, Im being punished for trying to do the right thing.
Product: Debt collection

Account number : XXXX Amount balance : {$2500.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 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
Product: Debt collection

I received a letter from Phoenix Financial Services claiming I have a debt from XXXX, with a date of service of XX/XX/13. I requested information from them and they failed to provide me with the requested information. In XXXX  I did not ride in or require an ambulance. I am protected by HIPAA, and had I used the services of XXXX, HIPAA would protect me from my information being shared with 3rd parties. This debt is not mine, I have asked for proof which Phoenix Financial Services failed to provide. 

I will upload a document showing the first letter received by Phoenix Financial Services, my response letter, and their response letter where they failed to provide me with the information requested.