23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have complained about XXXX on my credit report with XXXX XXXX XXXX, XXXX from 2010. I threatened to file a lawsuit for a procedure he did on me personally and highly embarrassed me and I told him I was going somewhere else. When I did, the doctor said what he stated was wrong was not right and it was the WRONG XXXX. I advised him I would not pay the bill, I talked to him on the phone, he even called the second opinion doctor. He advised me he would remove the charges and I just got a copy of my credit report and saw this on there. I am fighting to have this removed. Please do what you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Phone number, Social is XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX  XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score.

Please remove this information : Addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employment : XXXX XXXX These accounts was not made by me. I never gave written consent to furnish on my credit report. : XXXX XXXXXXXX, 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 card

I am requesting that my case be opened. I had previously fought the charge mentioned above with no satisfactory result. 

After much investigation, I have found that other people have experienced the same situation while traveling abroad. Attached you will find the forums. 

To reiterate my situation, on XX/XX/2024 I handed my Barclays card at a gas station in XXXX, XXXX. The gas attendant handed it back to me claiming the card was denied. I then proceeded to pay with cash and no proof of payment was given. After my trip, I came to find that my card was charged {$590.00} from a merchant I did not work with.
Product: Debt collection

True North has collected on a medical debt that was closed out with a XXXX balance on XX/XX/XXXX, Proof enclosed in documentation. This company has been harassing me since XXXX and I filed a complaint through the attorney generals office back in XXXX where they have tried to collect on my husband and my acct through a levy. After attorney generals office sent them a letter my credit was updated and the removal from the judgement was off my husband and my credit as well as I received a XXXX  out balance letter. The original creditor " XXXX XXXX of XXXX XXXX '' did not bill the correct insurance and I also was covered by state insurance. This error was strictly on there part and due to time they were unable to submit claim and billed me even though I was on a state covered medical assistance program.
Product: Debt collection

XXXX XXXX  reflects the Human Resource debit is paid off, and I quote from their web page, " You've paid off 100 % of the original amount '' ... but also XXXX XXXX continues to tell me about once a month via email that the debt is effecting my credit score. 

The debit concern is with The XXXX County XXXX Department of Human Resources which wrote this debit off to my local district court for garnishment of which they are collecting biweekly from my payroll which I can provide digital proof of. 
Also the debit owed that they are reporting to XXXX and Equifax is not the correct amount anyway nor is it in arrears or bad standing. So I am requesting that XXXX and Equifax remove this discreprency immediately!!!
Product: Debt collection

I was called on XX/XX/22 at XXXX XXXX the company was Valor Intelligent Processing via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft I made a report with you over a month ago and it was closed. I received a letter in the mail from you about credit report I made a report why did your company close it? I see a collection account from Receivable Performance management I never had any account with them and the credit bureaus asking for a report to investigate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is ( for the second year in a row ) refusing to provide me with my Annual Credit Report under the FACT Act. I receive the error message " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' They can not identify that error, nor tell me what can be done to resolve it. 

I filed complaints about this last year as well and continue to have the same troubles this year.
Product: Credit reporting or other personal consumer reports

I received an XXXX XXXX XXXX XXXX XX/XX/year> for a hard credit check form SYNCHRONY FINANCIAL, i called them to report fraud XX/XX/year> and they said it was flagged and nothing was opened. 

I received another XXXX alert XXXX for a new account from XXXX for {$5000.00} at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Connecticut. I called to report the fraud, cancel the card and completed, notarized, signed and faxed their form to investigate.
Product: Checking or savings account

I inherited a combination of stock and cash in an IRA my father had originally with Merrill Lynch, later with Merrill XXXX. After selling all the stock so that the account was fully in cash, I elected to have a trustee to trustee transfer done, to bring it to a local branch of a bank for ease of management. ( I also moved other inherited IRAs in this manner, from other sources, without the difficulties encountered with Merrill XXXX. ) The trustee-to-trustee transfer should have moved 100 % of the inherited IRA to the new bank. However, once the funds tranferred, there was a difference in the amount of the ending balance and the received balance at the new bank setting. I checked into it with Merrill XXXX and was told ( for the first time ) that they withheld a fee of {$49.00} as a brokerage charge. They explained that the next brokerage might refund that to me, but they charged this without any previous explanation. I informed them that there was no longer stock in the account and that the receiving bank was not a brokerage firm. I contacted their Customer Service/Complaints division with phone calls and a letter, dated XX/XX/19. I requested that they send a check for the {$49.00} directly to the bank. 

I checked with the receiving bank, and this check has not arrived. I have heard no more from Merrill XXXX than an initial acknowledgement of having received my complaint. As I stated in my letter, I believe it to not be a legally defensible practice to " charge '' me an unannounced brokerage change fee, when the IRA was being fully removed from Merrill XXXX -- simply transferred to a bank for investment in a Certificate of Deposit.
Product: Mortgage

This letter serves as my formal complaint against Cross Country Mortgage, XXXX, but more specifically against the XXXX, CT team and XXXX XXXX. The experience I had with XXXX and his team ( except for XXXX XXXX who was kind and helpful ) was by far the worst customer service experience Ive ever had in my life. I feel that I was made false promises to secure my business, lied to throughout the process and was treated in an extremely unprofessional and rude manner. 

I was told by XXXX at the beginning of this mortgage process that we could do a 30 day close, no problem. This was the reason the sellers decided to choose our offer over others, including an all cash offer, because we were able to do a quick closing. We did not close in XXXX days ( original closing date was XX/XX/year> ), the closing was delayed twice and we did not close until XX/XX/year>. During that time, I was berated on the telephone by XXXX, given advice that should not have been given and told lies and false promises repeatedly about what was happening during my mortgage process. 

I have since spoken to other mortgage lenders along with a real estate attorney and was told that the way we were treated was 100 % unprofessional and unfair. The assistance that I received from his supervisor, XXXX, was also lacking. 

I have entire transcripts of emails and text messages to verify the things I am stating, and working in customer service myself, would never inflate these statements. I hope that your company will take this very seriously and be willing to offer some insight and compensation due to what transpired. 

I also want to make you aware that XXXX animosity and the teams lack of transparency and competence was also shared by my realtor, the sellers agent and the closing company who will now NEVER recommend Cross Country Mortgage, LLC due to their own experience.
Product: Credit card or prepaid card

XXXX XXXX Last 4 of XXXX Date of birthXXXX Application Date : XX/XX/XXXX Recently, I, XXXX XXXX, submitted an application for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and subsequently received notice of approval for a credit line in the amount of {$4000.00}. However, following the submission of my application on XX/XX/XXXX, I was notified that additional verification was required. On XX/XX/XXXX, I called in and spoke to a representative with a nasty attitude we verified some info and they informed me that I had been approved for the credit line. After that I get an emailed stating that they could not approve me due to them unable to verify my identity, to which I called back representative, spoke to the same representative. They said that the reason for the denial was because I had made multiple applications for the credit line and they stated that my first original application had been approved but the second had been denied and that was the reason for the denial, I responded by saying that I never made more than one application made only one application, and they must've been a mistake on your end, and they responded back rudely saying that there was nothing that they could do. So I was approved for the credit line, accepted the credit line, and then authorized a hard inquiry on my credit report, and now all of sudden I have been denied for the credit line. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). I feel as though Citizens Financial Group Inc. has violated my federally protected consumer rights. 

1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated is both proof and evidence that I have been discriminated against, you are also criminally liable. Citizens Financial Group Inc. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

On XX/XX/year> I submitted an Income Based Repayment ( IBR ) application on the FSA website. The site indicated that my application would be sent to my servicer, MOHELA, for processing. I should have been put in a processing forbearance but have not. On XX/XX/XXXX, I submitted my IBR paperwork to the MOHELA site directly and called the customer service line to inquire how to be put in processing forbearance. Did not receive any answer, except to wait. I then asked to be transferred to a supervisor and I've been on hold for nearly an hour. I have already waited more than 2 months and need to be placed in a processing forbearance.
Product: Checking or savings account

I received an offer from Credit Karma to open a savings account to help improve my credit score. I was informed that if I deposited {$250.00} they would send me a debit card within 7 days which I did and it has been over 2 months. After contacting them multiple times they locked my account and do not have access to my money. All correspondence is through email so I can not contact them in other manner. I am skeptical about their debit and I would like to get my money back.
Product: Credit card

I am writing to formally file a complaint regarding the handling of a recent dispute I submitted through Citi Bank involving a {$700.00} charge from XXXX XXXX 

The charge in question was for a guided tour that was falsely advertised. The companys website provided misleading information about what the tour included, and upon discovering the discrepancies, I contacted the tour provider directly. Unfortunately, they failed to offer any reasonable resolution. 

Following this, I initiated a dispute through Citi Bank and made it clear that I had multiple forms of evidence supporting my claim. However, at no point was I contacted by Citi Bank to provide this documentation. The case was ultimately closed in favor of the merchant without affording me a fair opportunity to present my side or submit the evidence I mentioned. 

I am extremely disappointed with the lack of due diligence and communication throughout this process. I respectfully request that this matter be re-evaluated, and that I be allowed the opportunity to submit the supporting documentation to ensure a fair and transparent review of the dispute. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 delete these items from my accounts as soon as possible.
Product: Debt collection

This is a fraudulent attempt by Credit Solutions Corp. to collect on a XXXX debt. If I had owed anything to any one it would reflect on my credit report. I just obtained a Co-signed student loan for my daughter thru XXXX XXXX Bank. I think that would be impossible to do with bad credit. All supporting documents will be sent Via U.S. Mail
Product: Checking or savings account

On XX/XX/XXXX, I filled out an application to open a money market online account, at Sallie Mae Bank. The site stated that it takes 5 days to process. I received an email on XX/XX/XXXX, stating that they were unable to approve my application. It stated that I could contact them at XXXX, SallieMae Customer Care. 
I called on XX/XX/XXXX and spoke to XXXX, who stated that she looked at my application, stated it will be sent to management for review for re-consideration. ( She told me that she looked at it and saw nothing wrong with it. ) She stated that I would hear back between 24-48 hours. 
I called again on XX/XX/XXXX and spoke to XXXX again, she said she would send it by email to her boss, also she stated that she was unable to pull up the documents, I did not receive any correspondence by phone or email from Sallie Mae. 
I called on XX/XX/XXXX and spoke with XXXX who stated my application was denied again, but could not offer an explanation. He stated I would get a call from a manager between 24-48 hours. I did not receive a call or an email. 
I called on XX/XX/XXXX and spoke to XXXX, and explained the situation. She stated that my application was " fraudulent. '' I asked her if I could a copy of my application and she said no. Then she said that they will not accept anymore applications from me. 

On XX/XX/XXXX I decided to apply for a money market at XXXXXXXX XXXX XXXX. I submitted my application and got a response right away stating that " we weren't able to approve your application. We can't accept your application because it didn't meet our requirements. '' We didn't make an inquiry to your credit report and appreciate your interest in XXXX XXXX. 
I called XXXX XXXX  and spoke to XXXX, letting her know about my unapproved application. She reviewed the requirements that were needed, I didn't hear any that I did not cover. She stated I would get a detailed explanation in 7 to 10 days by mail.. 

Due to XXXX XXXX  not accepting my application " immediately, '' I worry that my SS number or other personal information might have been " blacklisted? '' ( If there is such a thing ) I sincerely appreciate any help in this matter from the CFPB, to help me understand all of this. 
With sincerity, thank you.