23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been repetitively contacted during work hours. i did not receive mail from debt collector as XXXX stated on XXXX. I suspect XXXX lied about my letter of verification being returned Undeliverableto get an address and has not provided appropriate notice of rights to include letter of verification. I called several times following my initial call midday on XXXX to seek proof requested of returned mail and have not been provided evidence requested. After calling XXXX to persist in request on XXXX was threatened he would turn me in for harassing him by seeking proof of returned Verification. Not knowing my rights to appeal or investigate i feel this collection agent has passed his legal right. The irony here that I am harassing him by asking for proof after persistent calls to aggressively and deviously pursue his client. 

As for the XXXX XXXX XXXX in XXXX has been unresponsive to my persistent and repetitive inquiries related to duplicate billing error i have not been provided meaningful explanation of medical bill associated prior to enlisting this aggressive collections team in NC. as I realize this facility has had persistent mismanagement of state funding as they moved to XXXX XXXX they seem determined to minimize pre existing losses by aggressively sending bills to collection without providing review of contested billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of doing business with any of these creditors above, please remove it from my credit report.
Product: Checking or savings account

Dear CFPB official. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to T & Cs, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus. I personally visited the XXXX XXXX XXXX branch and the personal banker told me that he can see that all the requirements were met and I should have received the bonus. Two weeks passed and I didn't received the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. That visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely,
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
XXXX XXXX XXXX Account NumberXXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 do believe that this account is being reported inaccurate. I tried calling in the creditor but they are unable to provide such information in this account. I need your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.
Product: Credit reporting or other personal consumer reports

Correction to my credit report, I demand this account be removed from my credit report from Experian with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX
Product: Bank account or service

I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA. 

Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time. 

When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit. 

On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy. 

On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call. 

Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan. 

This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.
Product: Money transfer, virtual currency, or money service

Repeatedly reported debit card stolen.b When I attempted to o login to my Bank if XXXX mobile banking acct I had to repeatedly reset my password but still never successfully logged in. When I attempted to get my mobile wallet, temporary virtual debit card replacement so I could resume shopping, the online & in-person acct specialists refused to assist me in getting log in help & subsequent access to my digital wallet.
Product: Credit reporting or other personal consumer reports

This complaint to TRANSUNION for allowing unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and these fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm writing about complaint # XXXX. 
On XX/XX/2023, Experian emailed me stating that the results were completed for complaint above. I attached the Reference # XXXX from Experian showing they were completed. After doing my investigation they were still inaccuracies after the results were done. On XX/XX/2023, this is what Experian responded to CFPB Site BELOW -The company has responded that it is still working on your issue. 
The results were completed so why would Experian say they needed more time. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   AND EQUIFAX are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospita l biller   XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I h ad service there 1 day  in 2014, T he hospital biller puts  XX/XX/14    on  one  bill and  XX/XX/14    on another for service that occurred on  one day .If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a  XXXX  policy in a timely manner. One ch eck for   XXXX   was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on  XX/XX/14 .A COPY OF THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  had that check cashed just two weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the service occurred.The credit bureaus must get  XXXX  to certify the correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted my credit score back up to  XXXX , OVER  XXXX  FICO  XXXX  points.This willful error of  XXXX ,  XXXX  and  XXXX  and Equifax who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by   XXXX   XXXX   that   XXXX   'S REPORT put me in the middle tier from 14 per cent to 20 percent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVI DENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVES ONE MORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX CO Inquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Name : XXXX CARS XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX OF XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX Creditor Name : XXXX XXXX NA Inquiry Date : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Inquiry Date : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Debt collection

This issue is with Bread Financial, AKA Comenity Bank. I have a past due balance of {$98.00} due on my card, overdue 60 days. I have been receiving calls from multiple different phone numbers, included Unknown and Blocked Callers. I receive multiple calls and voicemails every day. On XX/XX/XXXX, I received XXXX calls from XXXX different phone numbers. Three voicemails were received yesterday that I have saved. On XX/XX/XXXX, I received XXXX calls and XXXX voicemail. On Tuesday XX/XX/XXXX, I received XXXX calls and XXXX voicemails. This has been ongoing for a few weeks and all of the calls are logged in my phone, as well as voicemails. I have answered once and explained that I'm waiting for a XXXX  loan disbursement for the XXXX XXXX before I can make a payment. I'm not sure how else to stop the repetitive calls.
Product: Debt collection

For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.
Product: Student loan

I left XXXX in XXXX and ended up with over 15+ loans with know why to repay. For the 2 years I attended XXXX I also made monthly payments to the school. My original loan was XXXX. After making a few payments and being delinquent on all 15+ loans, my loans totaled over 46k. I was garnished for around 3 years for XXXX   a month. Eventually I got in to a program that I needed to pay XXXX a mouth for 6 months to get out of garnishment while still being forced XXXX. Loan is still at XXXX through navient after I have being paying since XX/XX/XXXX. I need help locating my original loans with my signature of agreement. I feel I have been over paying and have be forced in to garnishment and loans with fees. Proof of original loans to support current balance needed
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I wrote a letter to Experian indicating information on my credit report that must be removed due to Identity theft. 

In the letter I provided a copy of my credit report with the highlighted information that should be removed. I also provided a copy of my driver license, and a copy of my Social Security card for identity verification ; a copy of a utility bill for address verification ; and a copy of the identity theft report. 

Additionally, I requested all aliases in my account and employer information to be removed. This information in not necessary and provides more confusion to those searching my credit information and also increases the probability of people with those names to be able to use my crtedit information to their benefit. 

However, on XX/XX/XXXX, Experian responded indicating they were not able to remove the information and asked for the following : " One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years '' The information Experian requested was already provided to them with my letter. I tried to contact Experian via telephone to clear any questions, but they don't have a phone number that I can use to talk to an agent. 

Experian is simply looking for excuses not to remove the information.
Product: Credit card

Unfortunately, on a few months instead of been OK ( Pays as Agreed ) they are on current account and that is affecting my credit score.Please verify and modify as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX STUDENT LOAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.