23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and UNDER AGE DURING TIME FRAUD ACCOUNTS OPENING
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included CAPITAL ONE information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

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

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Debt collection

XXXX XXXX XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has been harassing me at work and on my cell. They have so-called hired a caller by the name of XXXX XXXX XXXX XXXX XXXX XXXX who claims to be a proceedings officer working on behalf of XXXX ( online payday loan company ) and Cashmax ( In-store payday loan company ). She told me I owed a combined amount of {$1500.00} to these two companies and were going to take legal action to serve me at my place of employment unless I agreed to pay the accounts off and that there was a case pending against me in my county. I looked up any pending cases in my county and there aren't any. Before I though whether or not it was a scam ( since I have tried to work on debt consolidation in the past that included these two accounts ) I gave this lady myXX/XX/XXXXcard number to pay an initial down payment of {$59.00} to set up a monthly payment plan. They took out the {$59.00} from my card and they attempted to take out the first monthly payment of {$560.00} from the same card and it was declined. Once it was declined, they resumed harassing me by phone on my cell number and at my job. 

She was referred to me by another lady claiming to be a process server named XXXX and another lady by the name of XXXX XXXX XXXX XXXX XXXX XXXX who needed to speak with my employer to determine my location for me to be served and needed the " protocol '' to get me properly served at my employer location.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I entered into a debt settlement arrangement for multiple debts via XXXX XXXX. Majority of my accounts are now settled and have been paid in full. Two accounts remain that I am paying via a direct debit from my account every two weeks, which is added to an account with XXXX, and from XXXX, they send payments to the two creditors that I have settlement agreements with. 

Both of these companies are reporting to my credit as being in collection and delinquent. However, they have been in a settlement and repayment status for over a year. Most recently, the larger of the two appeared on my credit report and caused an alert to come up at my job. I have tried disputing the information via my credit report, and I have also sent letters to the companies requesting that they cease reporting this information as it is inaccurate. It is quite frustrating to be doing everything I am supposed to be doing, holding up my end and making my payments to make these things right, only to be harmed and put under question in my career due to false information being reported. How can these companies claim I am not up to date, when I have a company submitting payments to them regularly? Even when I uploaded the proof that they are in active settlements to XXXX, the results remained the same. What is the point of me having been in this program for three years now, getting charged all this money every month, to be treated as if I have simply ignored the debts and be punished as if I blew them off when that is the farthest thing from the truth? I sincerely hope you can help me get this resolved. I am more than willing to escalate my complaints to the state Attorney General 's office as well if that can help me. I have attached a copy of my XXXX XXXX XXXX  summary which I have highlighted the two accounts in question, one with XXXX XXXX XXXX, the other with January Technologies, which shows the original balances, the settlement agreements with fees and what I currently owe as of a week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX PM XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00}
Product: Debt collection

Convergent is trying to collect a debt that I do not owe. Please send billing statements and proof of account with XXXX XXXX and the date opened and closed. This company has not validated the debt and another person was responsible and had billing statements in their name. If this is not removed from my report I will sue you in CT small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove
Product: Debt collection

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? XXXX  of the listed accounts are inaccurate, and it's causing me discomfort
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan from XXXX XXXX in part from information provided by sagestream. They do not have an online portal where I can get a copy of my credit report from them. They do not have an online portal where I can report identity theft. They do not have an online portal to do anything. They easily gave my information to XXXX XXXX with out verification of a driver 's license or proof of residence. But they expect me to provide that to them to access my information that they shared. 

I am formally requesting a copy of my credit report from them. If they are unwilling to provide it, then they need to stop reporting information that I do not have access to. This is a violation of my rights as a consumer. They should not be allowed to report credit if they do not have ease of access like the other credit companies.
Product: Debt collection

I am writing to report fraudulent accounts added to my credit report due to identity theft. I have attached my Identity Theft Report from the Federal Trade Commission ( FTC ) for your reference ( FTC Report Number : XXXX ). Despite my dispute with Experian, they failed to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts and amounts are as follows : XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) - {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account- {$460.00} XXXX. XXXX XXXX XXXX XXXX Account- {$400.00} XXXX. XXXX XXXX XXXX ( Personal or Business Loan ) ( Account Number : XXXX ) - {$1000.00} These accounts were opened without my consent or acknowledgment. The fraud dates back to as early as XX/XX/XXXX, with the latest fraud discovered in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a company Providian bank for outstanding balance of {$3800.00} on XX/XX/XXXX. 

I called them immediately and told them that i was going to contest it i had my Lawyer at the time XXXX  : XXXX. and then i emailed it to them sent me a copy i also contacted for me lawyer and i will be seeing a lawyer on this week. I also made a police report i also told the post office back in XXXX about mail fraud. I also moved to this location on XX/XX/XXXX and i received a letter that i sent to the postmaster General i emailed it to XXXX i lost XXXX govt checks then social security and my daughters XXXX XXXX this month also i lost mail i also made a police report. the other day for identity fraud.
Product: Checking or savings account

After over 5 direct deposit transactions into my account, Wells Fargo is allowing all my day to day transactions, and the next day they are posting that I has a negative balance, for 4 days in a row. My deposits are more than my debits daily but my money is disappearing.
Product: Credit card or prepaid card

I purchased an airline ticket with Citi credit card in XX/XX/2020 for a XX/XX/2020 trip. The trip was cancelled by airline company and I filed a dispute with Citi in XXXX. Citi rep advised me that though it is not fraud but due to the high dollar amount, he treat it as fraud dispute. As a result he cancelled my original card, issued a new card, and give me a temporary credit. In XXXX, the credit was taken back and the reason was that I authorized the transaction thus not fraud charge. When I called back after many attempts ( the calls are often dropped due to bad connection, which it seems that many citi reps working from home with no proper equipment ), I was told that the dispute should have be opened under regular dispute and they opened a regular dispute for me. I called again many times in between and was told to wait. In XXXX my case got closed and the reason was simply too much time has passed. I reopened the case and got closed again despite I provided airlines email stating airline has given full refund. Many times during my call, my calls get dropped. Different reps gave me different answers. It seems no one is investigating my case and fighting on customers behalf. Some reps stated they work from home and have very bad phone connection and internet connection and can not open screens. I filed quite a few complaints with Citibank but my complaints were not addressed. One rep even told me I can file as many complaints as I want and it is formality. No actions were taken. On XX/XX/XXXX, the travel agency responded and stated they issued refund on that day. I forwarded citi the emails. When I called back, I was told they do not see the refund. The travel agency rep even got on a conference call with me with citi and provided acquirer reference number, but still no action is taken from citi. Until today XXXX XX/XX/2020 XXXX, I still have not received my refund. 



My case has been mishandled by Citibank in a few important steps. Citibank 's gross negligence directly contributed my financial loss. This experience has also greatly costed me time and distress. 

1 ) My case was originally being handled in the wrong dispute category ( regular vs fraud ) 2 ) The reps are lacking proper trainings and equipment to perform their tasks. Many times, there are extensive waiting time on the call, and when the calls are finally through, the calls get dropped ( 1/3 of the calls had this issue ) or the connections are so bad you can not hear them or their internet speed is so slow they can not open the screen. 

3 ) No proper investigation. For example after the dispute was properly opened under regular dispute as advised by Citibank, my case was cancelled with no detail and simply stated " time has passed ''. Travel agency has clearly indicated the fund was returned and provided acquirer ID, but although I have urged a few times, no one from citi is looking into the acquirer ID to find the fund for me. 


Please help to review the case. I have documents as needed.
Product: Credit card

Approved XXXX, Citibank card Called to verify with company could use temporary ing they sent me YES Dealership unable to process bin error Spoke to three people tried code XXXX times with no luck Advertised 6 mo no interest/ rebate if purchased and approved for card False advertising and information from representative
Product: Debt collection

The debt collection agency IC System Inc. has listed a collection of {$710.00} on my accounts with credit agencies including XXXX and XXXX. They claim to be collecting on behalf of XXXX XXXX, which seems to be a telecoms company offering XXXX internet and cable. 

I have never had a relationship with XXXX or XXXX XXXX. Indeed, I have not been a resident of the United States since XX/XX/, and I have certainly not had any telecommunications bills in that country since then.
Product: Credit card or prepaid card

I opened a line of credit with XXXX XXXX in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the XXXX XXXX for the city and the entire city  was shut down leaving me with no work. I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. I now have the interest fee on my credit as a negative balance of XXXX from midland credit management. I am not sure if they sold the account to someone or what happened as I have not heard anything from them. 

Were responding to correspondence about your XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( account ending in XXXX ). 
Dear XXXX, Were XXXX XXXX XXXX  and we originally issued your XXXX The XXXX XXXXXXXX XXXX XXXX. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. 
Were sorry to hear of the impact COVID-19 had on you and your family. We hope your situation has improved. 
Were no longer the creditor on your account. Your account charged off due to nonpayment on XX/XX/XXXX. We sold your account to Midland Credit Management , Inc. on XX/XX/XXXX. Therefore, our reporting of your account as a Charge-off that was sold to another entity is accurate. Were reporting the account with a zero balance owed to us as of XX/XX/XXXX. Midland Credit Management , Inc. may report your account under its name as the new creditor. 
For any additional questions about your account, please contact Midland Credit Management , Inc. at XXXX.
Product: Student loan

Since I had graduated from XXXX University XXXX to get XXXX Degree and then went to University XXXX XXXX to get XXXX Degrree in XXXX. 
I have a issue with my Navient loans interest accruing daily and I don't have a job to pay the interest but looking for a job, have been applying and mostly no calls back. I have 18 types of loans with Navient and each loans have different interest percentage and I have apply for the Income Driven Repayment Plan and I pay {$0.00} for Principal, but the interest is keep growing everyday about {$8.00} a day and if you multiply for 31 days, that means interest grow about {$250.00} or more dollars a month on my Navient account and I don't really have the money for the interest and plus that would put me in debt even more. The Loan Education Department should only let interest rate grow when borrowers have a job and pay for it. Interest should not when they don't have a have job. The interest rate should also be {$0.00} a month until I find a job.
Product: Student loan

I consolidated my XXXX XXXX student loans when I entered XXXX XXXX. At the time I was not notified that loan consolidation would or could disqualify me for XXXX loan forgiveness. 
Due to hardship I placed my loans in forbearance and of course the interest piled on. Forebearance nearly doubled my student loan debt. 
Several years later, a fellow XXXX told me about the XXXX forgiveness option. I submitted my papers and received a letter from Navient telling me my consolidation disqualified me for the forgiveness program. 
The only time XXXX XXXX or Navient has ever contacted me was when I was late on a payment. 
Not one representative bothered to inform me of available resources such as XXXX forgiveness programs or better repayment options than forebearance I have been paying my loan for years and since the loan balance never seems to budge, I will still be paying when I retire. 
Dissatisfied and disgusted! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim with experian more then a week ago regarding all my credit history and incorrect information. Nothing has happened or heard from anybody.
Product: Credit card

I have disputed XXXX accounts that SYNBC has been reporting to the credit bureaus and SYNBC violated the law on both accounts as explained in attached letters. 

I am making a goodwill attempt to have this worked out without any monetary compensation. If SYNBC does n't take care of it in to my satisfaction in a timely manner i will sue them in small claims court near me and they will need to pay me for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX : {$390.00}
Product: Credit reporting or other personal consumer reports

I have sent several complaints and disputes to the Credit reporting agencies to know avail. I have been a victim of identity theft, and according to the fair credit reporting at 605 B the trade lines listed are to be deleted.
Product: Credit card

on XX/XX/2024 at XXXX I logged into my US Bank Credit Card account to make my payment. I used my XXXX XXXX XXXXXXXX savings account for the transaction. Lately this establishe link to my XXXX  account has been failing. 
So later os same date XXXX at XXXX hrs I logged in again and I confirmed my payment failed. So at this time I did a transfer from my US Bank saving account to my Credit Card account for the sumn oif {$200.00}. 
I hit the submit button and noticed no confirmation email was sent to me yet my savings account was decremented. 
While checking viewing my Savings account and Credit CXard account I noted a {$40.00} Late fee was applied on same date I made the payment.
Product: Mortgage

Spoke with mortgage compamy and they stated my mortgage payment would jump from {$1000.00} to {$1400.00} an increase of {$350.00}. which would have a financial impact on my life that I can not afford. When I spoke with them they stated my taxes had went from XXXX a year to XXXX a year. I spoke with the county tax office and they said that was not the case it olnlu increased a couple hundred dollars. Can you please help me resolve this issue?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

From the time of late XXXX to now Ive been made aware of a bank account placed under my identity falsely placed. Ive explained to this institution that I did not open any account and have no idea of the XXXX dollar balance. But in response Wells Fargo has done absolutely XXXX but listen to my grip and instead of helping me figure this out they send me letters telling me to pay this debt or else. The XXXX breech is the reason my personal information is on the web to be used in such a way and unfortunately the idcare they provided dont do XXXX to stop my info from being used by others so I can do nothing. But I expect you all to have better resources and more experience to help!
Product: Debt collection

I informed Credit Collection Services that I am a recipient of medical assistance in the state of Maryland, which means I can not be charged for this bill and it is illegal for them to pursue it. However, the male representative from Credit Collection Services repeatedly insisted that the bill can not be rescinded and that I am financially responsible for it. They are aware that I had coverage during the date of service, yet they still sent me a bill for the amount of {$390.00}. I have even called back with XXXX XXXX which is my medical insurance company. They verified that I am covered and was covered with their insurance company on the date of service.