23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

regarding citi account : XXXX Since XXXX, I have paid {$6.00} in interest and {$100.00} in fees on a balance that I called and scheduled a transfer for. I thought the account was paid in full, and that I had called and asked for the account to be closed. Citi did not close the account, and they did not make the transfer as requested. however, they did STOP sending monthly statements so I was unaware that they had not completed the transaction. 
I discovered that there was a remaining balance when they called my house on Saturday XXXX XXXX at XXXX XXXX and discussed my credit past due with someone in my household without confirming that they were speaking with me. When I called to pay off the balance in full, they could not calculate a final pay off number, so I have to pay off the remaining balance of interest again next month. Terrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem is with a collection agency working on behalf of XXXX XXXX XXXX. 
Sunrise Credit Services Inc.has flagged my credit report for collection of delinquent account- this is bogus. My attorney has contacted Sunrise ( see attached letter ) requesting certain information so that we can dispute it properly. ( we have documentation ). Sunrise response did not address my attorney 's letter asking for details regarding cable equipment XXXX says was not returned ( we have proof of what was returned ). 
Sunrise responded with a two sentence letter and a bill itemization, not really, that only shows balance with finance charges for future dates from today. 

Also, attached is a letter from the first credit collection agency, XXXX XXXX, that started this process. After communications by my attorney, they responded with the attached letter dated XX/XX/2023 which is after the second credit collection agency was contacted by my attorney. It appears XXXX XXXX decided to remove this from my credit report. However, we can not get the second one to properly respond to our letters. Also, my attorney has made several phone calls ( gets the runaround on who to talk to ) and send several emails.
Product: Debt collection

There is a bill from the XXXX XXXX visit. At the time of the visit, I was XXXX   and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX XXXX. So, I was residing in a confidential shelter. I qualified for XXXX XXXX offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your XXXX XXXX ( XXXX  ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her XXXX ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, CMRE Financial Services, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from CMRE is forthcoming to confirm this information and will be mailed to the address listed above. You can contact CMRE directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

Regards, XXXX XXXX.
Product: Debt collection

I am writing to bring attention to a concerning matter in my credit file. I have observed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year>XXXX XXXX
Product: Student loan

I was intentionally misled in regards to being signed up for the Public Service Loan Forgiveness program with Navient. 

When I first heard of the Forgiveness Program in XX/XX/XXXX, I was very excited about it and being already connected to Navient, I called them to inquire about the program. The person I spoke with told me about the 10 years, 120 payments, and program and led me to believe that I can sign up with them that day which I did. 

I also called Navient approximately one year ago because of a bank issue with my automatic withdrawl, and I was afraid I was kicked off the Loan Forgiveness Program. The person I spoke with told me that I was fine, not to worry, and I was still on the program. 

I just recently started my own Non-profit and a friend thought I could get extra loan forgiveness benefits, so I called Navient XX/XX/XXXX ; to ask about it, and the person on the other end was once being evasive and talking about loan consolidation program I would be eligible for ... and I point blank asked her, " I AM ON THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM '' with Navient? '' She sharply said, You need to call ( gave me the phone number ) for PSLF and hung up! 

I called customer service to talk to a Supervisor who was " apoplectic '' and wants me to sign up for the 20-25 year forgiveness program ; and I had to submit information about my claim to get credit for the time I thought I was on PSLF program.
Product: Credit card or prepaid card

The due date for payments is the XXXX of the month. For the billing period ending XXXX a payment was made on XX/XX/XXXX. Then on XX/XX/XXXX the online app showed a payment due XX/XX/XXXX. A payment was made on XX/XX/XXXX for the XXXX due date. Synchrony then applied that payment to the previous billing period and on XXXX jot me with a {$30.00} late fee for not making a payment by XX/XX/XXXX, even though it was made XX/XX/XXXX.
Product: Debt collection

I am involved in malpractice litigation with this hospital and doctors, you had previous accounts on my credit report that were removed without a problem with an email from a manager with your company stating he would remove all debt accounts related to this institution, could you please remove these last 2 accounts in the amounts of {$1800.00} and $ XXXXwith Credit Management Company. I do not owe them and everything from this facility has previously agreed to remove any accounts from this facility. 


Thank you for your help in this matter!
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX Acct : XXXX {$0.00} XXXX Acct : XXXX {$0.00} XXXX XXXX XXXX  Acct : XXXX {$390.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Acct : XXXX {$390.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX Acct : XXXX {$860.00} XX/XX/XXXX XXXX Acct : XXXX {$0.00} XXXX Acct XXXX XXXX {$0.00} XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Acct XXXX XXXX {$0.00} XXXX Acct : XXXX {$0.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was supposed to get paid XX/XX/XXXX, someone from this company went into my payroll and changed my account information and changed my direct deposit information and made it into theirs. I contacted my work and payroll and they gave me information that Money Lion company has done that to my payroll and has access to that information.
Product: Debt collection

since XX/XX/XXXX I'm trying to the get any proofs from Vance and Huffman for the account they are saying is mine, which is fault statement! 
not once in over a year I was provided any proofs from them. but they constantly was saying they send, which Is not true!!! and this collection remains on my credit report and hurting my credit score and I have perfect credit history! 
I sent multiple XXXX  disputes. XXXX validations was sent to me! On XXXX I called into the office and spoke to a representative. the said they will do investigation and they will be contacting me! not once anyone contacted me or provide any proofs.. on XXXX I filed complaint towards XXXXance and Huffman via XXXX  complaint making the same statement- and. Again, XXXX!!!! validation was provided per my request. I still have collection on my credit report - and XXXX proofs that I owned it, it was identity fraud. 
last time I filed complaint with CFPB and they said - The file is too large to attach to the complaint., and they finally told me where to log in to see documents. 
that's what they say : " Please visit XXXX, your account # is XXXX. You will be able to view all the documentation there '' and I did! and guess?! there is no documents! XXXX! I'm attaching screenshots : I`m asking again please delete this frudeltly collection from my credit report ASAP, because I won't stop until it will be done!
Product: Credit card or prepaid card

Two transactions on XX/XX/XXXX and XX/XX/XXXX were transacted for XXXX dollars on my card and they were unauthorized. Upon notifying the card issuer they said they would be unable to file a claim on these fraudulent charges. As well they said they would be locking my account and refusing me access to the rest of my funds.
Product: Checking or savings account

Was contacted by Wells Fargo representative informing me of funds being refunded to my account made withdrawal for XXXX had available XXXX 3 days later recieved a alert on my app saying account is overdrawn by the amount of XXXX I don't have overdraft protection so if funds was not available I would not have been able to withdraw or make transactions especially from an outside atm filed complaint with wells fargo of course my complaint was unfounded my ATM card was cut off by wells fargo was informed I was receiving another card in mail
Product: Credit card

I had a XXXX, which was serviced by Bank of America. I paid off the current and outstanding balance of {$6600.00} on XXXX/XXXX/2016. On XXXX, I get an email stating the current balance is {$110.00} as interest was charged. How can interest be charged when I paid the entire balance? I called and was told the outstanding balance is not the payoff on their credit cards. What? Never heard of that before with a credit card. A loan .. Yes .. but not a credit card. I paid the payoff of {$110.00} and closed the card, but I do not believe them and they could not give me proof. I 'm wanting to warn others so they do not get hit with interest when they too think they are paying off a card. I 've paid off a number of cards in my years and this is a first for me.
Product: Checking or savings account

I filed a dispute with Capital One which is Claim # XXXX. The amount was {$180.00}. The reason was the merchant was not responding to my inquiries about the product not being as advertised. On XX/XX/29, Capital One asked me to provide evidence I reached out. I responded the same day via email. On XXXX, they deny my dispute saying I did not provide proof. I called in and was told they never saw my response and I confirmed the email and it is correct. They stated they would still take the money out. I want them to reconsider because I did send in what they asked! They acted like they could not help me. I have attached proof that I responded timely to their request to the correct email and that they claim that I did not receive it and just denied my claim. Also they did not give a due date for when this info should be submitted to them. So I still have the ability to send in what I ALREADY sent in. I sent it to them again today XXXX via email AND FAX. The customer service person kept telling me rudely that they did not receive my response.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am formally requesting in writing for you to remove a hard inquiry on my Experian Credit Report. The hard inquiry XXXX was reported on my Experian credit report on XX/XX/XXXX. I never applied for any credit card or any other type of credit with XXXXXXXX XXXX on or around that date ( XX/XX/XXXX ). I did speak to several representatives at XXXX XXXX and they said that Experian needs to remove the Inquiry. When I spoke to Experian, they told me the business ( XXXX XXXX or XXXX ) is the entity that reported the inquiry to them ( Experian ). What is published on the credit report results from information sent over by the credit card companies ; Experian does not arbitrarily add any information on reports - everything originates from the business. After numerous phone calls and several conversations, I had with the representatives from XXXX XXXX, XXXXXXXX XXXX determined that I did not have any information on file with my name, social security number, address and date of birth - applying for a credit card on XX/XX/XXXX. When I initially called on XX/XX/XXXX, the representative at XXXX XXXX told me that someone tried to apply for a credit card using my social security number and that the application was denied due to insufficient data ( information ) -the representative from XXXX XXXX told me it ( removal of inquiry ) would be taken care of but apparently, it was not. The problem is that I am getting conflicting stories regarding how the " inquiry '' landed on my Experian credit report. Neither Experian or XXXX XXXX is being cooperative in trying to help me resolve this matter. Both entities keep blaming each other and I am in the middle getting nowhere. 

Update - When I faxed XXXXXXXX XXXX a letter ( attached ) with the information ( credit report ) they requested- they mailed me a response saying they can not process my request. XXXX XXXX is requesting on their letter that they want my account number- which I do not have since I never applied for credit! It appears that XXXX XXXX is denying the fact that I exist in their credit reporting system and Experian is saying they can't remove the inquiry since XXXX XXXX sent them the information- please help me fix this! The inquiry does not belong on my credit report.
Product: Credit reporting or other personal consumer reports

Despite providing substantial evidence of the fraudulent nature of these items and diligently following the required procedures outlined by your agency, they persist, causing significant harm to my creditworthiness and financial standing. 

I initially disputed the fraudulent items and have since followed up today. Despite my persistent efforts, the fraudulent items remain unresolved, casting doubt on the accuracy and integrity of my credit report and impeding my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the fraudulent items and expedite their removal from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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: Bank account or service

A certified letter original dispute with Chex Systems has been sent to address : Chex Systems Consumer Relations, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. A requested is sent to them to correct the negative information from the XXXX XXXX XXXX which they are making fraud and black mailing the consumer by the inserting negative information which is 100 % wrong need to fix immediately and removed from the XXXX XXXX XXXX and Chex Systems. A attorney letters and my numerous requests have been sent to them but no action is being taken place. Several complaints have been forwarded to you in this regard for immediately fixing and the removal of wrong and negative information from XXXX XXXX XXXX and Chex Systems.
Product: Student loan

FedLoan Help : Nonprofit Organization is a scam, do not give these awful human beings your information. This 3rd party company mislead me to believe that they were affiliated with my student loan agency and the Department of Education. They informed me that I would be entering into the Public Service Loan Forgiveness program, Income Based Repayment Plan, and loan co nsolidation. They charged me {$150.00} a month leading me to believe I was paying off my student loans. Once I found out the payments were not going to my student loans, I tried to reach out to the FedLoan Help for clarification, they refused to answer the phone and never returned my phone calls. Shame on you FedLoan Help you guys are frauds!
Product: Credit reporting or other personal consumer reports

Kindly refer to the attached documents. I request the removal of any personal information that is not mine.
Product: Debt collection

William Rush & Associates is attempting to collect an assumed debt that is well beyond the statute of limitations and by law is not allowed to be collected past the statute of limitations on the type of debt. A debt validation letter was requested and have not been received. This collection was placed on my credit report by XXXX without me being notified and without being verified. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

Take a look at the documents provided. I am urging the bureau to begin an investigation into the accounts that inaccurately depict me as late in my payments. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Said I apply for a loan and I did not and not it has effect my credit score. I give no permission to to run my credit
Product: Checking or savings account

Account was hacked and I filled police report, me nor the officer and get in touch with the investigator, whom seemed to disappear after I filed police report.
Product: Student loan

I have received bad information about a private student loan I secured with XXXX XXXX XXXX ( Nelnet Servicing LLC ) in XX/XX/XXXX. I did not receive information on when payments were scheduled to begin and the monthly amount. Recently, I have started receiving harassing phone calls from XXXX and an email dated XX/XX/XXXX, that my loan was delinquent. I then received an email dated XX/XX/XXXX indicating that there was an important message in my XXXX inbox regarding my account. These two notices have been the only communications I have received from XXXX. I have not received any prior communications on how to access my account, billing statements, or any prior communications from XXXX that my loan was coming up for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account with XXXX Bank for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XX/XX/XXXX and XXXX Bank sent me new credit card. I start using credit card but I never received any bank statement from XXXX Bank. 
I find out from XXXX Bank in XX/XX/XXXX that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX mobile application or did not receive statements. XXXX Bank gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX Bank XXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX Bank.
Product: Credit card or prepaid card

On XX/XX/2022. I filed a claim with Bank Of America prepaid fraud department for the amount of {$28000.00}. I waited about 2 to 3 weeks to hear back but still hadnt heard anything. I then waited a bit more and then decided to make a phone call on XX/XX/XXXX to speak with a supervisor and see about an update about why I havent received any updates in writing sent to me in the mail on the status of the claim, but didnt get any direct answers, also called on XX/XX/XXXX. I was told by 3 different supervisors that they dont know when and if Ill get provisional credit until the claim is done and said they would send out the letter but I still havent got it. Ive been left in the dark about my claim about my funds I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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