23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I first became aware of Citizen Bank around XXXX or XX/XX/2022, likely when I returned home briefly from college. Upon leaving home, I proactively contacted the bank while en route to my college campus, diligently explaining that the charges in question were not authorized by me. I underwent a comprehensive information-sharing process during that initial call. Following that interaction, there was a prolonged period of silence from the bank until around XXXX, when my grandmother informed me about a paper sent to our house regarding the same charges. Subsequently, I wrote a detailed letter to the company, reiterating the circumstances surrounding the unauthorized charges. 

Throughout the past year, I encountered several calls from debt collection agencies inquiring about the same charges. In each instance, I consistently provided them with the same explanation. Additionally, I received another letter later in the year, prompting me to respond in writing in XXXX. Despite these efforts, there was no substantial progress until a few weeks ago when a representative finally contacted me about the debt and sent a letter by mail to facilitate resolution. It is this recent development that has prompted me to file a formal report. Please consider the timeline, actions taken, and persistent efforts made on my part to rectify this situation when communicating with the involved companies.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/XXXX. Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation.

Additionally, under the FCRA Section 617, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly. 
To reiterate, the disputed items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are not complete and accurate . 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I was recently in search of a higher limit credit card to utilize for work expense pass-through. I spoke with a banker at my local JP Morgan Chase branch where I have banked for over a decade and as I had repaired a lot of debt and credit problems from COVID-19 and my score had improved, he recommended that I apply for a Chase Freedom or Chase XXXX  card through the bank. Per my assets and prequalification he didn't see any issue with me getting the Chase Freedom card, so we opted for that. He also made it clear that applying through the branch would accelerate the application process and offer me additional rewards and benefits that would not be offered online. He would also be able to assist if there were any problems. 

We went through with the application. I was declined. He called the corporate reconsideration line from his Chase Private Client office and soon handed the phone to me.

Over the next half-hour I was interrogated by an agent in the " reconsideration department '' who apparently had pulled, without my consent ( I had read the fine print ), additional consumer reports on me and additional credit reports aside their primary provider ( XXXX ), again without my consent. 

What I came to find was that because I was party to a bankruptcy preceding in the late XXXX ( it cleared my record years ago ) that involved a Washington Mutual Credit Card branded " WAMU '' of which was eventually purchased by JP Morgan Chase, I was automatically out of consideration for any chase services other than checking and savings accounts and that the card should had never been offered to me. 

So, here I am with several hard credit pulls and consumer report pulls against me when I was never even considerable because of an event during a world-wide recession that happened well over a decade ago, overall resulting in hurting my credit overall. None of these elements were ever disclosed to me until I pressed for more information and was alerted to additional hard pulls to my credit report. 

I have contacted the bank branch, JP Morgan Chase corporate and the credit bureaus for consideration that this matter be resolved. The service offering was fraudulent due to them easily being able to see in the system that I was already flagged to not be offered credit or loan-related services. 

I have not heard back from any party in well over 30 days. 

Attaching correspondences to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm paying close to the next payment date but always pay it before a 30 late can be done. But they keeps reporting me thirty days late. I have the info that would always show I have never been 30 days late. When I call in the personal even state that I never been 30 days late. I have my payment records that would show I have never been 30 days late. M bank is XXXX XXXX XXXX XXXX. These late payments needs to be removed. Also my account has been moved around which I do not understand why. My account was with XXXX XXXX.This company is trying to destroy my great credit rating. I need help I have all records to confirm everything about my account. Also I added an item that had a promotion
Product: Bank account or service

Suntrust bank has decided to terminate my account. That is fine with me as I wanted to close the account anyways. However, the bank has indicated to me that they are holding the funds for some amount of time. I want to close the account, they want my account closed, I do n't see why they need to hold my funds. Please send me a check with the remaining funds in the account.
Product: Student loan

My loan servicer is EdFinancial. Earlier this year they changed from one system to a new one. After I followed the instructions to create an account in the new system and waited for the transfer to complete, I found my loan balances to be much higher than they were before. I'm now unable to access historical information on either the old system or the new. Statements are gone. Interest rate information is gone. I emailed them via their contact us form 3 times and only received a response once asking me to upload payment information. I did that and never heard back. I was finally able to get a phone number to reach them. The representative said she would open a ticket to get me copies of all my statements and request an account review to verify the payment totals. She also advised me that she saw nothing wrong with my account and I would have to prove that I made more payments via bank statements if I believed it was wrong. She said it would take up to two weeks for the statements and account review to be handled, and even insisted that point when I said I'd give them a month since they always take longer than they say. It's been over a month with no word from them whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX alerted me that ONEMAIN had requested access to my consumer credit report. I had no knowledge or did I give my consent for ONEMAIN to review my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an online dispute with Equifax letting them know that their credit report was incorrect on an account. Letting him know that the balance of the account is wrongly reported that I do not owe that amount of money.the credit card limit is XXXX and the balance is XXXX that is correct.
Product: Debt collection

Chief Compliance Officer XXXX XXXX employed XXXX Contract Callers Inc.n sent letter dated XX/XX/2021 via United States Postal mail alleging that I owe a debt with a positive balance of {$37.00} for XXXX XXXX XXXX XXXX XXXX. I DO NOW OWE THE ALLEGE DEBT. CONTRACT CALLERS INC employee and all others involved have committed identify theft by stealing my name and using it without my authorization to do so pursuant to fraud and scams under CFPB.gov
Product: Debt collection

A former roomate opened XXXX cell phone accounts in my name using my personal information, XXXX with XXXX, another with XXXX has removed this account from my credit reports, XXXX keeps sending mny account to collections despite being provide with a ftc fraud affifavit and numerous legitimate police reports
Product: Student loan

I have dealt with the office of advocacy for navient for several months now whereby they have puts misleading and errant remarks on my credit bureau that never should be there. I have been assured that these remark would be taken off only to be alerted later via XXXX that the remarks have been added back on. I just had remarks put on my credit bureau that state that payment was deferred when in the fact that is incorrect and fraudulent information due to the fact that I am on an income-based repayment plan of {$0.00} a month until XX/XX/XXXX or XX/XX/XXXX next year when I will be consolidating all of my loans over to XXXX. It's bad enough that a 90-day remark from XX/XX/2012 has haunted me for the past 6 years 7 months and navient will not do anything about it and continuously says that the remarks are accurate when in fact they did not own that the loan back in XX/XX/2012 as it was owned by Sallie Mae. I have been continuously denied for credit due to a serious delinquency remark because all 18 loans were marked 90 days late and made XX/XX/2012 and I have asked this organization for months if they would be willing to remove the negative remark a couple months early ( it's been on there for 79 months ) and I have been met with nothing but unprofessional rude discourteous service.
Product: Debt collection

XXXX Bill that was previously disputed and removed from my credit report has appeared on my credit report again however I was never notified by the new collection agency, Enhanced Recovery Collections, and they have already placed this on my credit report. I am buying a home in 30 days and this account has already been proven as invalid. I never received any communication from them about this debt. The prior agency notified me through the USPS about the debt which is how I was even aware of the debt to begin with.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; MXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

There were constant unauthorized charges. Then I would get bank fees. Then my social media accounts were all hacked.ive had new bank cards issued XXXX  5x this year
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of livi

ng is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 USC 1692
( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did XXXX, XXXX, and Experian interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on?

DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  The accuracy and integrity of these reported accounts are misleading and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke with XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I have a XXXX degree from XXXX ( XXXX, OH ) and XXXX from the XXXX. During my education period, XXXX managed my student loans and then my loans were acquired by Navient Solutions , Inc . Overtime, my loan has balooned to over {$140000.00}. Accordingly, Navient graciously placed my loans in forebearance ( time & time again ) while I continued to seek alternate means to repay my student debt. Research after research on various student loan plans, I contacted Navient to inquire about the Income Base program. Again, they graciously enrolled me into the Income Based program, which resulted in payments of aproximately {$1300.00}, which again, I could not afford to pay. The {$1300.00} payment was based on both mine and my husband 's income. I immediately notified Navient to inform them that my husband too had student loans with Navient and XXXX. Thus, my payment was reduced to {$900.00}. I am currently XXXX years old soon to turn XXXX in XXXX 2017. My student debt has placed a burden on my marriage and my health. I can not retire, tried working a parttime job for two years at a retail store because of my student loan debt. I have worked for the XXXX for 17-years and currently I 'm employed in XXXX over the past 9-years. Again, after future research on my part, I have learned about the Student Loan Forgiveness program and have successfully applied. I recently received notice by Navient that the U.S. Department of Education will soon transfer the customer service of my federal student loan account to XXXX. I 'm still in the unsure if I 'll be able to meet the repayment plan, but hopefully I 'm on the right track to repay the enormous student debt. If there are better options available to me, please, I need all the assistance I can get! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Never authorized credit report usage 2. Don't recognized 3. Not associated with an open authorized account Inquiry details XXXX XXXX from XX/XX/2018 2018