23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collection company, LJ Ross Associates first placed the debt onto my credit report for XXXX XXXX, to my knowledge, around XXXX. Once I was alerted that this account posted to my credit profile, I contacted XXXX to alert them that I was a victim or identity theft, and that the account LJ Ross was reporting on, was not valid. After sending a police report, FTC report and proof of identity, as well as proof that the apartment in which the utility originated from was also the product of identity theft, XXXX investigated and ultimately found the account to be identity theft, The account by LJ Ross Associates was subsequently removed on XX/XX/XXXX. In accordance with the consumer laws, XXXX did provide LJ Ross Associates all of the information I sent in in regards to the identity theft dispute and they could not product any verifying information that would indicate the account was authorized by me. Now as of XX/XX/XXXX, this same company, LJ Ross Associates has re-reported the very same debt on behalf of consumers energy with the same balance of {$250.00}, but in order to falsely have the debt put back onto XXXX, they created a new account number and falsely stated that the account was opened as of XX/XX/XXXX and went into collections on XX/XX/XXXX. Being that they have already been in dispute with me in XXXX and received police reports and other information, they knew that the debt was not created this year, and yet they fraudulently provided that information to XXXX as a way to coerce me into paying by affecting my credit, which dropped XXXX points and resulted in my being denied housing by an apartment because of this blatant falsification. In addition to this all, LJ Ross Associates has not once sent me a letter to give me the opportunity to verify of dispute the account. Not in XXXX and not again in XXXX. They have not and will not be able to provide any proof showing they communicated with me in any way in order to verify the accuracy of the data or allow me, under my rights as a consumer, the right to dispute the data with them. I have since contacted XXXX again to express what has happened but was told that since LJ Ross Associates used a new account number, XXXX would be unable to block the information because it appears to be a new account. I contacted the original creditor, consumers energy and have verified with them that no new account was opened as of XX/XX/XXXX, or any other time, in my name at any address as LJ Ross Associates has asserted. This was checked by XXXX representatives. They stated they only have record in their whole system with my name being attached to the original account opened in XXXX, that I found out about in XXXX, and disputed. So again, LJ Ross Associates has taken several fraudulently and illegal tactics to falsify data, hide data, and harm my credit profile in hopes of making me feel hopeless enough to pay them for the fraudulent account. I have sent LJ Ross Associates a certified letter detailing what Ive described here, as well as proofs of my assertions, with much more proof available.
Product: Checking or savings account

PNC bank continues to take enormous amounts of overdraft fees from my business account causing me to be in debt. They refunded {$1700.00} worth of overdraft fees then took them back. PNC claims a dispute for {$99.00} was denied from XX/XX/XXXX- it is now XX/XX/XXXX- and {$1700.00} in fees relates to it. This is false and unethical especially during COVID19. They said they are reversing my refunds again Monday.
Product: Student loan

I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

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

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX Account Name : DEPT OF ED/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting

I have a child support claim dating back from XX/XX/XXXX.I am only XXXX, I was born in XX/XX/XXXX.
Product: Debt collection

Why didnt the hospital send me a bill on this amount of XXXX I never received and bill or a past due notice about a XXXX bill if I had it would have been paid but due to their negligence I never received a bill nothing at all about this so they send it to collections totally wrong on their part ruining my credit for again their negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX  XXXX to apologize, unlock our account, as well as fix our chexsystem status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
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 item 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 Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed numerous errors ( XXXX Inquiries ) found on my credit report. These unauthorized Inquiries are causing hardship and actual damages violating section 1681b for permissible purpose and 1681c for information contained in consumer reports. XXXX, XXXX, and Equifax has violated compliance procedures under 15 U.S. Code 1681e & Privacy Act of 1974 ( 5 U.S. Code 552a ). 
You XXXX, XXXX, and Equifax have thirty days ( 30 ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In addition, urgently produce and deliver a contract between you XXXX, XXXX, and Equifax and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf.
Product: Checking or savings account

*Consumer Complaint : Misconduct, Rudeness, and Inappropriate Action by XXXX XXXX XXXX XXXX XXXX of Complaint : * I am writing to express my extreme dissatisfaction and outrage with the misconduct, rudeness, and inappropriate action taken by Marcus by Goldman Sachs regarding XXXX XXXX account. Despite my efforts to cooperate, Marcus has unjustly frozen my account, denied me access to my funds, and left me with significant financial hardships. 

*Background : * On XX/XX/year>, Marcus XXXX my account citing the need to verify my XXXX banking account. I attempted to facilitate a three-way call with XXXX bank XXXX but their policies prohibited participation. Marcus then requested a bank statement from XXXX, which I provided and delivered on 3 days ago. However, when I called Marcus this morning, the representative was extremely rude, arrogant, and condescending. Without justification, she locked me out of my account, denying me access to my credit and savings funds. 

*Issues : * XXXX. Unjust account freeze without sufficient verification. 
XXXX. Rude and unprofessional customer service. 
XXXX. Unwarranted account lockout, denying access to funds. 
XXXX. Failure to provide timely resolution or alternative solutions. 
XXXX. Resulting financial hardships : late fees, disconnection fees, and inability to purchase essential necessities like food.
Product: Checking or savings account

I noticed XXXX pending debits holds of {$650.00} from my account. I spoke to the bank and they advised they wouldn't be able to tell the reason for the hold until the transactions were processed. Both of these debits resulted in my account being in the negative. 

I followed up days later. First the bank stated it was a check deposit that did not clear. And when I advised the only deposits into the account were paychecks from my employer, they then advised it was a payroll reversal. 

I followed up with my employer who advised they have no history of initiating a payroll reversal. 

I returned to the bank and explained this to them, and the bank shifted back to it's original statement of the debits being due to a check deposit that wasn't paid. 

I have requested information on this phantom check that wasn't paid and to date the bank refuses to provide this. 
When was this check deposited? Where was it deposited? How was it deposited. 
These seem like very vital information l ; that if made available would enable me trace the root of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with Syncb/Care Credit in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Credit card or prepaid card

In mid XX/XX/2021, Citibank ( Home Depot ) was alerted to a spectacular failure on a third party order to XXXX XXXX XXXX XXXX delivered windows and a door to two job sites which had an eight-five ( 85 % ) percent failure rate in operation and wood workmanship. XXXX was called in to assess remediation immediately following installation of windows delivered in multiple shipments in late XXXX in XXXX XXXX, CA. XXXX decided that three of the large window frames and one medium sized frame should be rebuilt! XXXX said it would repair the other defective medium and smaller window frames. XXXX later backed out of making these repairs. This resulted in my request for a full refund with some compensation for our installation costs of a severely failed window order for a two-story home and a second remote building. 

Having alerted Citibank for a full refund for their portion of the charge on my Home Depot credit card of {$20000.00} out of {$28000.00} and receiving an acknowledgement letter on XX/XX/2021 of my disputed charge. Citibank proceed to not record this dispute on my XX/XX/2021 statement, as required by law. Citibank claimed that it had not had enough time to do so. Their representatives claimed that they needed seven ( 7 ) to ten ( 10 ) days following the notice of the dispute to do this. This is a false statement. Even if one took this comment at its face value, Citibank would still have had an additional three more business days with which to place a notice of the existence of my dispute with XXXX XXXX via XXXX XXXX on my XX/XX/2021 statement. Citibank failed to act in timely manner to post the existence of my dispute, as required by law. 

There is also an no indication that Citibank is addressing this dispute in a timely manner or at all. As you may infer, there is another credit company involved in this dispute which immediately posted the presence of my dispute and sought additional information from me. This other company is nearing placing my charge back refund on my account in the next few days, likely this week or before the end of XX/XX/2021. Citibank has without due diligence in my dispute. Thus, I am seeking assistance to compel Citibank to correct my erroneous XX/XX/2021 statement and accelerate looking into and resolving my legitimate refund charge back request.
Product: Debt collection

I have a low income based payment in place. And the irs still took my refund. I received a letter stating that the offset was to be cancelled. However, my funds were still offset. I am going through a garnishment from my payroll at this very moment from the state.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX XXXX. Account XXXX : XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : PUBLIC RECORD BANKRUPTCY Account number : XXXX XXXX. Account Name : XXXX XXXX  Account number : XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Bank account or service

I deposited a Bank America cashier 's check in an ATM machine at the XXXX Branch in XXXX Florida on a Saturday XXXX/XXXX/2016 and the ATM machine ate the check. Waited 30 minutes to get a phone answered and did reported it via phone, physically went to the bank that Monday to report the problem and provided them a copy of the check. Am being told there is nothing they can do with the {$970.00} deposit but wait for 90 days to put a stop payment on the cashier 's check and reissue it again. NOT ACCEPTABLE TO MAKE ME WAIT 90 DAYS BECAUSE THEIR MACHINE ATE THE CHECK.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Explore Credit debited {$300.00} each time from my bank account. I never authorized these transactions or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Debt collection

I discovered an unknown collection account on my credit from a company called XXXX XXXX XXXX Account Number XXXX alleging that I owe a debt to XXXX  XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called Portfolio Recovery associates. 

Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.
Product: Payday loan

II called a Wells Fargo Visa card representative and agreed a balance transfer to my Wells Fargo account of {$7000.00}. The representative stated that it was a 0 % interest loan and that I would be charged {$15.00} a month for 15 months. The conversation was recorded and I agreed to the transfer over the phone. 
After completion I called back to check with Wells Fargo Visa and am now being charged between $ 75- {$80.00} a month for this loan instead of the quoted amount of {$15.00}. The manager XXXX # XXXX agreed that it was a bank error but would not honor the original quoted monthly amount of {$15.00}. 
I would like the bank to honor the verbal agreement they offered at the time of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2500.00} Open balance XXXX XXXX XXXX  Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY.

Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.