23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill dated XXXX/XXXX/XXXX for {$45.00} from XXXX XXXX XXXX. When I received this bill 6 months ago I immediately contacted XXXX XXXX XXXX regarding the bill to let them know 1 ) that this was a wellness visit to check my XXXX level and should be covered 100 % by insurance and 2 ) to let you know that the invoice states XXXX Uninsured Program on it. I have insurance and I provided my insurance information. A few weeks later I followed up again and then again to figure out what was going on. I was told on the phone that the bill was incorrect and they would resubmit with my insurance information. I said fine and then a month and a half ago I get a collections notice from aptly named XXXX XXXX claiming I owe {$22.00} and Im delinquent. I have never even received a bill for {$22.00}. The bill I received is was for {$45.00}. I am extremely disappointed that after diligently following up on this invoice repeatedly and providing my insurance information I am now in collections. I never even received a bill from XXXX XXXX XXXX for {$22.00} so I couldnt have even paid it. Im assuming that he {$22.00} is the same bill as the {$45.00} since the date of service is the same and I didnt have any other services performed that day. Clearly the {$45.00} bill was wrong as XXXX XXXX XXXX only sent {$22.00} to the collections agency but the problem is they never sent me in an invoice for {$22.00} so how was I supposed to pay this. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX and they confirmed it was an error and that the invoice was never sent to me. At that time I paid the bill in full for {$22.00} and they told me they would handle with XXXX XXXX and not to worry about anything more. Then the day after XXXX I receive another Collection Notice from XXXX XXXX for {$22.00}. I called them and told them I already paid it in full and they said that 's not what our records show and that XXXX XXXX XXXX would need to tell them that. I told them I can email them proof I paid it a month and half ago but they were not interested in the email. I have always paid my bills on time and to be in collections over a {$22.00} bill that XXXX XXXX XXXX agreed was never sent to me is concerning. Then to be harassed even after it was paid in full is frustrating.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I applied for a loan and the lender pulled my credit and I was denied because of a loan that it say I already have In my name. I never took out a loan before.
Product: Checking or savings account

The utter incompetence, irresponsibility, and unaccountability shown in handling complaints by absolutely choosing to ignore my previous letters sent earlier in 2023. 
They ought to have analyzed and distinguished thereafter between what XXXX be normal activity and that which might suggest an illegal enterprise. This is an ethical standard of industry practice that plays a substantial role in preventing criminals from liquidating and laundering the public 's funds.
Product: Debt collection

I learned thru a 3rd party credit monitoring account XXXX XXXX XXXX that I was assessed a whopping {$2200.00} finance charge with only a balance remaining of {$880.00} on an original load of {$6000.00} and approved credit of {$10000.00}. I checked my balance regularly ( monthly ) on the Comenity website and was never notified on this website or a formal written letter indicating that the original term agreement was to expire XX/XX/XXXXXXXX  ( I learned of this XX/XX/XXXX and paid off the the remaining balance of {$880.00} and attempted to file a dispute with the customer service to resolve this amicably. They have blatantly refused and the action they are taking is " deceptive '' at best and " deceitful '' at worst. This has resulted in a credit utilization increase of 30 % and now at a ridiculous 30 % interest rate. 

I have maintained an excellent credit history with XXXX  scores in the XXXX range. It is my hope to have resolved this reasonably even I had to pay a small penalty but not a penalty of {$2200.00} on an {$880.00} remaining balance which was paid off only days after the expiration and with no formal means of written or electronic notification. In this time of consumer crisis with high inflation, Comenity bank should reconsider their deceptive credit and communication practices. It is still my hope that this can be resolved with your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against XXXX, Equifax, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification JPMCB XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX, EQUIFAX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open UP UKNOWN accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, EQUIFAX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX XXXX XXXX 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/20 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Ive submitted an application to a Banana Republic XXXX XXXX via Barclays Bank. Apparently the card was mailed followed by the card being activated and an unauthorized purchase made for {$1700.00} on XX/XX/2023 at merchant named XXXX XXXX XXXX. Ive raised a dispute with Barclays claiming unauthorized, fraudulent transaction, but the dispute case was closed with the claim that chip card technology was used which can not be counterfeited. 

The investigation by Barclays was clearly inadequate and in violation of Regulation Z and failure to correct this and reporting any delinquencies to credit agencies is in violation of FCRA for the following reasons- 1. I did not receive the original card that was sent and the Bank did not provide any evidence with tracking number that the card was mailed and delivered to me 2. I did not activate the card because it was not in my possession. No evidence provided to prove that Ive activated the card.

3. I do not recognize the purchase and neither did I authorize it. I do not know the merchant and not aware of the products or services provided by such merchant. No evidence provided to demonstrate that the purchase was made by me. The account was only opened with the intent to make purchases at Banana Republic stores. 

4. Claim that chip card technology can not be counterfeited to support the Banks investigation is not sufficient to conclude that no fraud occurred. If the card was mailed, it could have been stolen from the mailbox. Also research, including research from XXXX and XXXX demonstrate the card chip cards are not fraud proof.
Product: Mortgage

I got charged a {$30.00} fax/email fee in order to get a loan pay off statement. I didn't have a choice but to agree to this fee. I don't understand why I am paying off this loan they get to charge me the consumer a {$30.00} fee just for them to hit print and print off a pay off statement. This is criminal - I never had a choice to agree to this fee or not. If I wanted to pay off my loan I had to agree to it in order to know how much I had to wire them to send it in. 

Flagstar Bank , FSB XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

I found a debt collection amount {$720.00} on credit report which was XXXX XXXX XXXX in XX/XX/2017 by collection company AR RESOURCES INC. I didnt go to XXXX  during that time, I called them and disputed on line they were not removed it, because it is not my bill, there was somebody who stolen my personal information. ( original creditor was XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion XXXX XXXX and discovered an inquiry from XXXX Bank that was done on XXXX XXXX. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit. ) The date of last activity was in XXXXXXXX XXXX. This account is well over ( 6 ) years old and should not be reporting. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff that is over ( 6 ) years old is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently communicated with Trans Union through the CFPB on XX/XX/2024 regarding an account with XXXX XXXXXXXX XXXX that I do not recognize. The original CFPB complaint ID is XXXX. Trans Union stated that the account information regarding the account has been verified as accurate. Unfortunately, I still do not recognize the account or its details. It is inaccurate. And the negative information on this account is hurting me and my credit worthiness. And, also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the account be permanently deleted from my credit reports.
Product: Payday loan, title loan, or personal loan

GreenSky opened an account without my consent onXX/XX/XXXX based on services provided by an air conditioning company I had contacted for a quote. They offered financing through GreenSky but I did not agree on the price. Several weeks later I received information from GreenSky that I had been approved for a personal loan of {$10000.00} but the bill was {$16000.00}. I contacted Green Sky and provided information to a supervisor, XXXX XXXX that I did not agree to this charge and had not applied for it. She put the account in disputed status. I also sent a letter to this effect on XX/XX/XXXX.. On XX/XX/XXXX, I was notified by the compliance department of GreenSky that this was a valid charge according to the merchant and they were placing it back on my credit report. Until that time, the account was marked closed on my credit report, but since they are reinstating the line of credit and the bill, I filed an identity theft report to FTC and am notifying the credit reporting agencies of the identity theft.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical Which may violate Electronic Funds Transfer as it requires Timely access to funds. This situation raises concerns about consumer protection laws. And I request your assistance in investigating this matter to ensure my rights are upheld. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The account from Heights Finance listed, was charged off in XXXX of 2018. On my XXXX  report it shows the charge off amount was {$2400.00}, but it continues to go up every month and shows at this moment an amount of {$4000.00} owed, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount of {$3400.00}, it also continues to go up every month and shows an amount owed of {$4000.00}, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount was {$3400.00}, it also continues to go up every month and shows at this moment an amount owed of {$4000.00}. I need this resolved immediately, as it is hurting my credit rating significantly.
Product: Credit card

My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ) section 611 the credit reporting agency is required to give me the method of verification used for a dispute that they stated was verified no later than 15 days of my request. I am exercising my rights under the FCRA section 611 by requesting the method of verification used for the dispute Experian stated was verified and accurate. Report number XXXX, Account XXXX XXXX XXXXXXXX, Date XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is : XXXX XXXX
Product: Checking or savings account

I submit a complaint on XX/XX/2022 complaint number XXXX. Huntington responded to it and there is a phone number I can reach that person at I have called many times left message and emailed her asking for a call I cant reach her. So I call Huntington XXXX number and on XX/XX/2022 I spoke with a sup and the way I was talked to was in accusatory tune. Over the last week well I have been working on the FTC report of identity theft I have came across information to show my identity has been stolen and used I could not reach XXXX XXXX that respond to CFPB so I went to Huntington bank explain what I found and add documents to my claim. I was told to call in XXXX hours. When I called explaining everything and asking questions I felt like she was treating me like the criminal. On XX/XX/XXXX Huntington closed my account. I was told since my account was closed I was not entitled to provisional credit that I would have to wait till XXXX XXXX. They are waiting for the company to refund. They did not put in as a chargeback I was told they put in for a refund. This claim was open XXXX XXXX they never reached out to me when I report it. Was never asked to write a letter nor did they give me forms to fill out. They closed the claim saying I authorize the charges which I did not. These charges were totaling {$5800.00} they were efta. From what I am told they have 10 days to resolve this if not credit had to be given under regulations XXXX and XXXX Huntington closed my account first the lady told me I closed it I said no I did not then she said it was closed due to risk and I will have to wait the 45 days for a response. I dont know how there fraud department works but myself I have been doing a lot of foot work on this. I have filed 2 police reports went to another bank were a account was open in my name to try to get any information on the person doing this. I have called my internet provider to see if my internet is public or private cause the company I am disputing claims a IP address is mine and its not when I verified it with my internet provider. The way Huntington makes you feel and treats you is horrible. There is no help with them I was a victim of identity theft. I have also written to the company that charged my debit card got no where I reached out to XXXX XXXX XXXX to XXXX XXXX and made a report with her. I have done everything I could so far to try to resolve this matter. I have even called back to CFPB cause I am not getting no where was told I can file a report also with the FTC and can call a LLC legal help. I am to that point on how I cant reach anyone and when you do your treat horrible. Its not my fault my identity has been taken I wish I knew who it was so they can have charges brought on them. I feel Huntington dont care I gave my other case number to them to show there was fraud at a bank I never open in XXXX hoping maybe 2 banks can work together and catch this person. But since Huntington closed my account out I am just told I have to wait on the merchant. I need this matter looked in to.