23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX I opened a dispute with PNC Bank regarding a transaction I had made in the beginning of XXXX. I had ordered something from XXXX, but had never received the item. I contacted the seller to resolve the issue, to no avail, so I contacted PNC. I received a letter the beginning of XX/XX/2022 that said my dispute was denied, and that I could call to request copies of the documentation used when making their determination. I immediately called to request these documents, because I know it is not possible that they have documents showing that I received something, that I absolutely did not receive. I was told the documents were being sent. About a week later I received a copy of the same letter they had sent me, denying my dispute, nothing else. So I called again, and again I was told they were being sent, again they sent me the letter denying my dispute, nothing else. This pattern has repeated XXXX XXXX XXXX XXXX I have been promised that I would receive my dispute packet and XXXX XXXX they have sent me the letter denying my dispute ; nothing else. During all of this I requested the assistance of a supervisor, I received a call from a woman named XXXX. I have spoken with XXXX multiple times, I was advised by XXXX that I should get in touch with XXXX again to see if they could be of assistance, so I did get in touch with them, this time by texting their customer service. I was told by XXXX that a chargeback WAS PAID to PNC Bank, so they couldn t help me. So if XXXX gave PNC my money back- WHERE IS IT?! I asked XXXX about this and she didn t have an answer. She has continually assured me that I will receive the paperwork that their letter tells me I have the right to request, only to receive a repeat of that same letter. This is beyond frustrating.
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX Balance Owed : {$850.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late ; XXXX XXXX XXXX Balance Owed : {$1800.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2900.00}
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an inaccurate entry on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the following item and remove or correct it if found to be inaccurate or incomplete.

I believe this information is inaccurate because : [ I have no knowledge of this account. I do not recognize this account and did not open it. I believe this may be a result if identity theft. Please investigate this account and remove if found to be fraudulent. ] Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I.C Systems sent me a letter trying to collect a debt from XXXX, stating that I did not return a piece of equipment. When I closed my XXXX  account I brought both pieces of equipment as directed by XXXX  to XXXX on XXXX XXXX XXXX, in XXXX XXXX XXXX FL on XX/XX/XXXX, I received a receipt, however over a year later I am unable to locate that receipt. 
When I received the letter from IC Systems I called them on XX/XX/2022 and spoke to XXXX XXXX # XXXX, and she told me to dispute the collection I had to send in a written request. I sent the written request that day on XX/XX/2022. 
I then called in on XX/XX/2022 and spoke to XXXX XXXX XXXX # XXXX and he told me the account has already been disputed and the letter was not received yet. 
I then called in today XX/XX/2022 and asked if the letter had been received. XXXX XXXX XXXX # XXXX informed the letter was received today XX/XX/2022, 34 days after I sent it. I asked XXXX XXXX when the file was disputed and she told me it was disputed on XX/XX/2022. She told they had 60 days. I informed her the creditor has 30 days from the time of the dispute to validate the collection or it could not be placed on my credit report. 
XXXX then transferred me to a supervisor, XXXX XXXX # XXXX and he told me that we just received the letter today and that they had an additional 30 days. I argued that, XXXX screwed up by filing the dispute on my original call on XX/XX/2022 and started the 30 collection verification clock. 30 days has already passed and the collection has not been validated and they can not put this collection on my credit report. He seemed unaware of the timelines required to validate a collection and said they had more time. 
He then told me that this was all of the information that they could give me and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX NA : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - Equifax, XXXX and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$3.00} XXXX Late XXXX  Days XXXX  XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$620.00} XXXX Late XXXX  Days XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$690.00} Charge Off XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX XXXX XXXX Balance : {$14000.00} Charge Off XXXX  XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed ONLINE INFORMATION XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$230.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$860.00} Collection XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX ( XXXX : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$240.00} Collection XXXX XXXX ( XXXX : XXXX  XXXX  ) Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$180.00} Collection
Product: Student loan

I feel my loan is a complete fraud and they took advantage of me. Sallie Mae sold my loan to Navient without my consent. all my other loans have been paid off for years. they will not help me with this loan it is insane. customer service for Sallie Mae has been nothing but mean telling me to make more and pay more over the years. I have more than paid this loan off for school. the interest is a crime. do I have options here
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting paid/closed accounts continuously on a yearly basis. These accounts are closed and Experian must stop reporting and selling these closed/paid accounts to Credit Repair Services .
Product: Credit card or prepaid card

I opened a statement in XXXX for this card I havent used in a long time. It had some fraudulent charge from XXXX XXXX for {$42.00} on XXXX. I reported it and initially they refused to send it to the fraud XXXX. It took them months to admit it was fraudulent. Another fraudulent charge appeared on XX/XX/XXXX ( I think ) from XXXX. They refused to investigate that for months and are now just looking into it supposedly. They are sending me to collections and dinging my credit for late fees for two fraudulent charges and now I cant even get someone on the phone for it. Its been a terrible experience.
Product: Debt collection

I have a a unverified account from CREDIT MANAGEMENT XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

XXXX XXXX reported negatively on my credit report even though I believed to be enrolled in income based repayment since XX/XX/2018. I was never given any payment amount so I assumed it to be XXXX. I would like all poor XXXX XXXX  reports since XX/XX/2018 removed from my credit score as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I'm a victim of identity theft and currently having trouble restoring my credit score because Wells Fargo does not agree with my dispute. 

Back in XX/XX/XXXX, someone stole my personal information and opened a credit card account in Wells Fargo. The criminal further spent {$12000.00} in the following months and didn't pay the money. The account was eventually closed and Wells Fargo reported to credit bureaus for failure to submit the payment and it hit my credit score very hard ( likely from around XXXX to XXXX ). 

I found my credit score was hurt and the existence of this account in XX/XX/XXXX when purchasing a car from XXXX dealer. After then, I tried to contact Wells Fargo to clarify that it's an identity theft and get this account removed from my name/credit profile. I also filed a federal trade report, police report and faxed over to Wells Fargo for further review but their investigation did not agree with my statement. I also tried to contact XXXX to get this account removed but they seem to rely on feedback from Wells Fargo more than my statement and materials so it didn't succeed. 

In addition, they tried to sue me to pay the money. In XX/XX/XXXX, we went through a court trial in New Jersey and I finally won the case. During the court, they were unable to prove the validity of the spending items in the account because the total amount does not add up correctly, which is pointed out by the judge. They tried to list a few of spending items in the account but none of them can be directly or indirectly linked to me because the location or the buyer is totally unrelated to my personal history. 

After I got an official trial result, I filed another dispute with XXXX and I firstly got the credit score back at the end of XXXX XXXXHowever, in mid XX/XX/XXXX, I got a notification from XXXX saying that Wells Fargo did reinvestigation and does not agree with the dispute again, thus the credit scorXXXX was reduced back. 

This is very frustrating and unfair that : 1. Wells Fargo allows opening a credit card account remotely online without checking identification like photo ID or camera. The process is severely flawed and as the victim of the identity theft, I should not be responsible for the charges or credit score damage. 
2. After I presented solid documents ( bank bills proving my address, police report, federal trade reports and trial results they should be aware of themselves ), Wells Fargo still insists that I'm responsible for the charges. 
3. XXXX as a credit bureau, is unable to judge the information from both sides and only rely on feedback from Wells Fargo for dispute decision, even when the identity theft victim presented solid evidence. 

Thanks
Product: Credit card or prepaid card

I received an unsolicited request via XXXX to apply for a Chase Visa partner card from XXXX. I applied and they rejected me. I have with a near perfect FICO of XXXX, one single loan ( my car ), and no balances due on credit cards. 
In short, for no good reason that I can see, other than my age ( XXXX ), I  was rejected despite a near perfect credit history. 
I am an XXXX  and my wife is a XXXX, I'd have thought you would want my business. 
Why not just say Seniors need not apply. Oh, that's illegal. 
YOU ( XXXX ) have wasted my time over a scam operation and I do not appreciate it!
Product: Debt collection

In XXXX of 2023 I mailed off requests to validate or prove ownership of the accounts the company has put on my credit report and havent received those.
Product: Credit card

I had a bank of america credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.
Product: Credit reporting or other personal consumer reports

It appears that my 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 is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX XX/XX/ XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

XXXX along with other collection agencies ( Equifax, XXXX, etc. ) are engaged in unlawful debt reporting and libelous practices which created an adverse action to my ability to maintain a good reputation and attain credit and/or finances by unlawfully failing to properly investigate consumer disputes. XXXX does not take sufficient steps to intake, process, investigate, and notify about consumer disputes, resulting in the inclusion of incorrect information on my credit reports. Inaccurate or false information on consumer reports are threatening my access to credit, employment, and housing. 

When I dispute errors on my credit reports, XXXX conducts sham investigations rather than properly reviewing the disputes as required by federal law which errors are currently having serious consequences on my familys finances.
Product: Credit card or prepaid card

I am an XXXX practicing in XXXX and XXXX. I was admitted to the XXXX   approximately 35 years ago. My experience with HSBC has been singularly unsatisfying. 

Around the end of last year I read an article in one of the financial magazines which listed the HSBC card as one of the best interest-frees cards available. I am working towards my XXXX XXXX XXXX. I applied for the card because I thought I would put my XXXX expenses on the card until I obtained my license and then pay off the balance before the end of the interest-free period. 

I applied for the card. I heard nothing so I followed up. I was told that they could not verify my identity so nothing was done. It would have been nice to know. Instead I was never informed. I was told to apply again - which I did. 

Again, after much time I received an email saying that my application was granted and that a card would be mailed to me. I never received the card and attempted, unsuccessfully, to follow up. I heard nothing until I received a fraud alert on the card. I never received, activated or used the card. I contacted HSBC and filed a fraud claim. I received a letter denying the claim ( for reasons I do not understand ). On the same day I received a letter from HSBC asking me to fill out and return a fraud complaint. I did this and have heard nothing. 

I canceled the prior card and was issued a replacement with a {$1500.00} credit limit. I have a higher limit when I was 18. Based upon my experience thus far with HSBC I did not activate the card. 

Last week I received a letter claiming that my application for an increase in the credit limit was denied. I never made this request. As stated, I have the card but never activated it. 

Yesterday I received a bill from HSBC for the fraudulent charges in the amount of {$1000.00}. Have not contacted HSBC again. Instead I am filing this complaint hoping for a resolution of this matter.

By their action I can only assume that HSBC is accusing me of fraud since they apparently do not believe my statements made to them regarding my non-use of the card. This is quite troublesome.
Product: Debt collection

On XX/XX/2022 the company sent me a letter in the mail falsely representing itself as an attorney while attempting to collect an alleged debt for unpaid tolls and fees. The company falsely claimed I did not pay a debt in order to disgrace me into paying them. The company failed to identify itself as a debt collector while attempting to collect this debt. 
I submitted a complaint through the CFPB portal on XX/XX/2022, complaint # XXXX with a letter and invoice attached regarding these violations the company committed against me. The company sent a response on XX/XX/2022 addressed to someone else and the CFPB closed my complaint. In the company 's response addressed to XXXX XXXX XXXX, they violated his rights to privacy by disclosing his personal private information to me. Prior to the company 's response, I had no knowledge of who XXXX XXXX XXXX was. I did not know XXXX XXXX XXXX resided in XXXX XXXX nor that he had two ( 2 ) outstanding fines that he owed on.
Product: Credit card

Citibank reversed charges of a overcharge by a merchant, only to reinstate them, and arbitrarily deny me of due process while showing proof of wiring funds to the merchant.
Product: Debt collection

I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and before taking any further action, I request that you provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. An itemized statement of the debt, including any interest, fees, or other charges.

4. Verification that you are authorized to collect this debt.

5. Proof that I am legally obligated to pay the alleged debt.

Please treat this letter as a dispute of the validity of the debt. I request that any further collection activities be suspended until the debt is properly validated.

Additionally, I request that you cease all communication with me, except to provide the requested validation. If this debt is not validated within 30 days, I expect you to cease any further collection efforts and remove any reference to this debt from my credit report. Furthermore, this collection company is attempting to collect a debt for the incorrect amount. On the XXXX and XXXX reports it shows that the correct amount is {$230.00} but the letter directly from the collection agency shows {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XXXX separates dates are reporting an inquire on my XXXX and XXXX. 
At no time did I authorized any of these inquiries. This is an on going battle with XXXX XXXX.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX. This school has been part of multiple lawsuits both for defrauding its students and for a predatory lending scheme in conjunction with XXXX. The XXXX XXXX XXXX  lawsuit, as well as other lawsuits have all ruled in favor of discharging debt associated with both XXXX and XXXX XXXX. In addition to the loan associated with XXXX XXXX, XXXX also pushed me into a private variable loan for XXXX XXXX XXXX XXXX at an incredibly high rate. For the loans that I have with the Federal Government, I filed a Borrower 's Defense Application and was approved and it is currently in Pending Discharge Status. I have attached a screenshot of that for your review. I would like the CFPB to work with Pen Fed Credit Union to discharge this debt as it has already been awarded to others in the lawsuits who literally stopped paying their loans and kept them with XXXX. I worked hard to keep these loans current and get myself out of the loans with variable, high interest rates out of respect for my mother who cosigned with me. Please afford me the rights granted to others in the lawsuit.