23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, I was contacted through email by XXXX XXXX at XXXX XXXX. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with PNC. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance XXXX XXXX is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx. XX/XX/2022, {$400.00} from XXXX. XXXX, XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to 15 U.S. Code 1635 ( Right of Rescission ), 15 U.S. Code 1692a ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ).

Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws.

Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus.

Right to Rescind If this debt qualifies under 15 U.S. Code 1635, I am requesting to exercise my right of rescission and have this charge-off removed from my records. 
Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with 15 U.S. Code 1692a, 15 U.S. Code 1681s-2, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( XXXX, Equifax, and XXXX ). 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within 30 days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within 30 days from the date of this letter in accordance with the FCRA and FDCPA.
Product: Student loan

Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case XXXX Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, provided misinterpreted, misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information, evidence of negligence and collusion, evidence of slight and intentional negligence.
Product: Checking or savings account

To Whom it May Concern : On XX/XX/2021, we were victims of mail theft and debit card fraud. The below listed dates and withdrawals were fraudulently made from our joint-checking Citibank Account no. ending in XXXX. We opened this joint checking account virtually on XX/XX/2021. Between XX/XX/XXXX and XX/XX/XXXX, we only made virtual deposits, and no withdrawals. From XX/XX/2021 and the date of the crime, XX/XX/XXXX, we have been waiting for our debit cards to arrive in the mail, but never received them. 
Dates Transaction Amount XX/XX/2021 {$500.00} XX/XX/2021 {$400.00} XX/XX/2021 {$400.00} XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} Total {$2100.00} It was to our surprise when we received two emails from Citibank on XX/XX/XXXX, stating that both of our Citibank debit cards had been unlocked using Citi Quick Lock through a customer service representative and is now ready to use! Neither of us received our debit cards and we never set up a PIN number. The above listed transactions were all made in XXXX XXXX, CA before XXXX on XX/XX/2021. 

Upon receipt of the email notifications, we immediately notified Citibank of the fraud and froze our debit cards and joint checking account. I inquired with Citibank how this could have happened because I thought we had to somehow verify our identity in order to activate a debit card. The Citibank representative explained that the bank mailed BOTH the debit cards AND PIN numbers in separate mailings. Meaning, the mail thief would have obtained both pieces of mail in order to commit the fraud. This is a huge violation of security. I've never had a bank mail me a temporary PIN number before, and I find this practice concerning. 

Both joint account holders were traveling in XXXX XXXX from XX/XX/XXXX and we did not return to XXXX XXXX until XX/XX/XXXX, XXXX. It is therefore impossible for Citibank to consider these charges as activity to be consistent with [ our ] normal banking activities. If Citibank checked the video surveillance footage at the locations these transactions were made, anyone will see that we did not make these withdrawals. 

We provided Citibank with our detailed travel itinerary and hotel receipt to prove that we were not in XXXX XXXX when these fraudulent charges were made. We also provided Citibank with the police report, ( ref no. XXXX & case no. XXXX ) we made with the XXXX XXXX  XXXX  XXXX We reiterated that the above referenced charges were made fraudulently and without our consent many times, in follow up calls to check on the status of the investigation with Citibank. 

To our dismay, Citibank reviewed our appeals request and still denied our claim. We are hereby filing this complaint against Citibank. Thank you, kindly. 

Very truly yours, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2019I opened a checking account at Wells Fargo Bank based on a promotion that said that with a direct deposit every month or a certain number of debits per month, a credit of {$400.00} would be entered into the account. 
I arranged to have my $ 1500+ pension check direct deposited to the account. I called in XXXX to follow up the credit and was advised that I would see it in the account by " mid-XXXX ''. 
When I followed up in mid XXXX I was told that it would go to a senior account manager and I would receive a call.

Within the last couple of days I was advised that there was an additional requirement that was certainly not visible on any of the literature that I had seen that there was an additional requirement for a multi month history of a much larger deposit that I had not met. 
The practice seems to have been deceptive at best to have presented one direct deposit requirement at the outset, have advised in XXXX after 5 months paying no interest on a substantial balance that the credit was imminent and then finally ( after 7 months of having the account ) to advise that there was a second direct deposit requirement. 
It certainly feels like a bait and switch to me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXXXXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from Equifax and noticed a number of unauthorized enquiries.There were enquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
Product: Debt collection

I got a collection letter from Dynamic Recovery Solutions from an original creditor XXXX. The amount they said I owed was XXXX, but they would settle for XXXX by XX/XX/XXXX. I called this collection agency and was told the debt was from 2008. I called XXXX immediately after telling the agent I did not owe this debt. He argued so I told him I was going to call XXXX and then report them to you. XXXX confirmed that I had no back due balance, that my acct was paid in full. There is no collection against my credit. I just checked. I don't want this to hurt my credit. Their info is Phone : XXXX. Address XXXX XXXX XXXX, XXXX, NC XXXX. Thank you, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX  motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 

This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 2017 data breach. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing data that can not be changed for the rest of my life, but requiring that I waive my right to sue them for their disgusting actions.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against my student loan servicer, XXXX. 
In XXXX, there was a transition of their online system. After XXXX, I noticed in my credit report that my loans had been duplicated, stating that I have {$830.00}, XXXX of student loan debt, where in fact, my total student loan debt is {$420000.00}. I started communicating with someone from XXXX about this in XXXX ; they instructed me to obtain a copy of my credit report and upload it into their portal, which is problem 1 : there is no place to upload such information online. 
I called at least 3 more times in XXXX, but could not get through to anyone who could give me a status update on my case. In XXXX, I received a call from a supervisor, but she did not provide her callback information. When I called back ( and waited over an hour on the phone ) I was directed to another supervisor who told me that she was unable to handle my case, as it was being handled by another supervisor. XXXX never called me back, and I received a letter on my XXXX XXXX XX/XX/XXXX saying that XXXX had not duplicated my account information on my credit report, but that I was able to submit a formal complaint in writing to their address. 
On XX/XX/XXXX, I printed out my 57 page credit report, along with a formal complaint letter, showing that the account balance had been duplicated, and mailed it to XXXX, which was received by them on XX/XX/XXXX ( confirmed through tracking ). 
On XX/XX/XXXX, I checked my credit report, and noted that my ( previously excellent ) credit had plummeted more than XXXX points because of this erroneous reporting which still had not been fixed. 
I did call XXXX at this point, as I was irate. I am in the process of trying to get a mortgage for a new home and this negative credit reporting has impacted my ability to do so. 
Finally, I was able to talk to a supervisor, XXXX, who admitted that the mistake had been made during the system switchover in XXXX. She told me that there were multiple inquiries open into my complaint, but that unfortunately, in spite of contacting them since XXXX, had only started on XX/XX/XXXX. She told me it would take 30 days for them to resolve this and then another 30 days for this to be fixed on my credit report. In my opinion and legally, this is unacceptable to have a formal complaint take more than 60 days for resolution.
Product: Vehicle loan or lease

On XXXX XXXX GM Financial repossessed my XXXX XXXX XXXX after it was paid off in Bankruptcy. After the Bankruptcy was dismissed in XXXX we received final balance of XXXX owed on the vehicle. We have never received any correspondence from GM stating that we owe any additional monies on this vehicle. After 3 years they send a repossession order to a company located in XXXX, Georgia to come at XXXX XXXX   to take our car Illegally. After speaking with a representative XXXX, at GM, he stated that we still owed XXXX on the vehicle because the Bankruptcy was not dismissed they went back and assessed all of the finance charges! At the start of the bankruptcy, GM stated that we owed XXXX when tge Bankruptcy was dismissed, we had paid XXXX fir the vehicle. We owed the US Bankruptcy Court XXXX and we owed the creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i submitted a dispute of a collection account that appeared out of nowhere with the name XXXX XXXX XXXX via Equifax with confirmation # XXXX. On images attached you will see that dispute is still categorized as " under investigation '' but it is day 33 already and counting. It is clear that Equifax are in violation of my rights as a consumer and am requesting legal action for this account to be removed immediately from Equifax and all other credit reporting agencies such as XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Balance : {$460.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX/XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

Chapter XXXX Bankruptcy XXXX - I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
Product: Checking or savings account

since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.
Product: Credit reporting or other personal consumer reports

Transunion stated my account was investigated but how is it possible if XXXXXXXX XXXX XXXXXXXX has an incorrect account number, account type states it is an open account and Original Balance is missing According to the Fair Credit Reporting Act Under 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), if information is found to be inaccurate or unverifiable after a reinvestigation, the consumer reporting agency is required to either promptly delete or modify the item. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX and # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account w/o my written instructions
Product: Checking or savings account

My bank chime won't help me. I purchased something online. Never received it. Multiple times I contacted the company but no resolve. Chime denied my dispute and provided me with no information. XXXX is all its over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.