23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case # XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX  from XXXX XXXX XXXX regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from XXXX XXXX  XXXX. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called XXXX XXXX  XXXX on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked MsXXXX XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's complaint.
Product: Credit reporting or other personal consumer reports

On XXXX I received a letter from bankruptcy courting stating they do not give that information to the creditors. I have attached the letter. 

On XX/XX/XXXX I sent these letter out to Experian, transunion, and XXXX. They all sent me the same response they can not remove my bankruptcy. 
Subject : Formal Request for Removal of Bankruptcy Information To Whom It May Concern, I am writing to dispute the inclusion of a bankruptcy filing on my credit report. I have discovered that the bankruptcy court does not report bankruptcy information directly to credit reporting agencies. Instead, credit bureaus obtain this information through third-party vendors or by accessing public records. 



Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( FCRA 611 ). I am challenging the validity of how this bankruptcy information was obtained, as well as its accuracy and completeness. 



The specific information in question is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal 1. FCRA 611 ( a ) : Verification Requirement The FCRA requires credit reporting agencies to verify the accuracy of all reported information. Because the bankruptcy court does not report this data directly to credit bureaus, I am requesting verification of the source of this information. If the information can not be verified directly with the bankruptcy court, it must be removed from my credit report. 

2. FCRA 607 ( b ) : Maximum Possible Accuracy Credit reporting agencies are mandated to maintain procedures to ensure maximum possible accuracy of consumer information. I have reason to believe that the inclusion of this bankruptcy on my report may not meet these standards.

3. Public Record Inaccuracy As public records are often prone to errors during transcription or reporting by third-party vendors, I am requesting a thorough investigation to ensure compliance with all federal regulations regarding the reporting of bankruptcy information.

Action Requested I respectfully request the following actions : 1. Conduct a full investigation into the source and accuracy of this bankruptcy information. 

2. Provide me with written documentation verifying the source and legitimacy of the information.

3. Remove the bankruptcy from my credit report if it can not be verified as accurate and complete.

Enclosed, I have included the following : A copy of my credit report with the bankruptcy information highlighted.

A copy of my personal identification for verification purposes.

Under FCRA 611 ( a ), you are required to investigate this matter and respond within 30 days. If you can not verify the information directly with the bankruptcy court, I request its immediate removal from my credit report. 



Thank you for your prompt attention to this matter. I look forward to receiving your response.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some fraudulent accounts. I have filed an identity theft report with the CFPB, which is attached to the fraudulent accounts. Please assist me in ensuring these accounts are removed from my report. 
XXXX XXXX XXXX # XXXXXXXX XXXXXXXX # XXXX Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX :
Product: Debt collection

Receivable Management Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Management Group. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Management Group is practicing UNJUST ENRICHMENT.
Product: Student loan

I am repaying student loans through XXXX  XXXX XXXX and applied for the Public Service Loan Forgiveness Program on XX/XX/XXXX after reaching the required 120 payments. I faithfully submitted the Employment Certification forms regularly to document my employment and have worked at the same nonprofit organization during this time. The application was submitted by XXXX XXXXXXXX XXXX to FSA ( Federal Student Aid ) at the Department of Education on XX/XX/XXXX. 

I have never received a notice from FSA that they received my application. I was told processing would take 90 days for review. And then told FSA has up to 6 months to respond. As of today, XX/XX/XXXX, my application was sent to FSA over 6 months ago and I still do not have an answer from FSA. I have contacted XXXX   XXXX XXXX numerous times, however, no one will confirm that they have called FSA to check on status. When I asked for a number to FSA, I was given a number and when I called in XX/XX/XXXX, I was told that they do not speak with us and redirected me to XXXX  XXXX XXXX. No one at XXXX  XXXX XXXX will call FSA on my behalf for an update or to have FSA acknowledge that they received the application. I called on XX/XX/XXXX and requested that XXXX  XXXX acknowledge that XXXX  XXXX XXXX sent the application and that FSA received the application. I received an email on XX/XX/XXXX only noting that : " On XX/XX/XXXX, your application for the Public Service Loan Forgiveness has been forwarded to Federal Student Aid for final review. Once the review is  completed, you will receive notification with the results. '' I again requested acknowledgment by FSA that the application was received but did not receive a response. 

I have received several letters from XXXX XXXX XXXX that I have reached my 120 payment requirement for the Public Loan Forgiveness Program. I am quite distraught over misinformation and lack of transparency. I have made career decisions based on the information from XXXX  XXXX XXXX that I have reached the qualifying 120 payments, that the review time is up to 6 months and anticipated a decision by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a remark on my XXXX, XXXX, and Experian reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony / Walmart Credit card stated that they would remove all fraudulent hard inquiries from my credit report back on XX/XX/XXXX. The Hard done on XX/XX/XXXX still reflects on my XXXX  report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Social security # XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX TRANSUNION FRAUD VICTIM ASSISTANCE DEPARTMENT XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

ACCOUNT ( S ) 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 ( PLEASE REMOVE FROM CREDIT FILE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT REPORT
Product: Credit card

Today, XX/XX/XXXX, I received a statement from a company called ELAN. I have never heard of them. 

They have an account number in here and a number for their online financial services. My balance was XXXX. 

I called them and explained to them that I do not have a card with their company. I asked them how they got my information and I would like to see this go away without hurting my credit which I know happens when you cancel a card. 

They were very uncooperative, would not allow me to answer questions fully, kept cutting me off, and finally was so rude. I hung up. 

I do not want to have this outstanding credit card that I never applied for with my name on it. They said they got it from Peoples Bank and wanted to know if I ever had a card with them and I told him no I never did. I only had my accounts there. 

They were unhelpful and I need to get this sorted out. Please help me maintain my credit level.
Product: Checking or savings account

I was hospitalized on Monday XX/XX/2023 at XXXX until around XXXX on Monday XX/XX/2023. When I arrived home after being released from the hospital I realized my cell phone and wallet, which had my Chime debit card inside had been stolen while I was in the hospital. I immediately called Chime Customer Service to report my Chime debit card stolen and the representative deactivated the card and assisted me with filing a dispute for all of the unauthorized transactions that were made using my Chime debit card while I was hospitalized. I received an email from Chime XX/XX/2023 stating that a decision on my dispute claim had been made and that it was declined and I would not be refunded the money that was taken from me by the unauthorized transactions made on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my account that is inaccurate. It also has incorrect information reporting. The amount is {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Product: Debt collection

Jonathan Neil & Associates , INC is accusing me of a debt that is not mine. Is a third party harassing me daily accusing me of an accident that was not me and I have proved it and they keep ignoring the fact is this accident has nothing to do with me XXXX denied the case and have proofed I have nothing to do with this accident. The party in in fault has reached out and they keep ignoring everything I have been harassed and threaten.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These accounts do not belong to me XXXX XXXX Bal- {$5600.00}, date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Bal- {$440.00}, date opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX  system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that remains uncorrected by XXXX, XXXX, and Equifax, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.
Product: Credit card

I offered a promotion to apply for a credit card and receive XXXX miles and XXXX XXXX XXXX. I clicked the link and was brought to an application. I filled out the application and was approved. The first card was lost in the mail. They sent a second card. After spending the {$4500.00}, I only received XXXX miles and XXXX XXXX When I called to question, they told me that the offer was never available. After researching, I found that the card they sent was not the card I applied for. I have been back and forth. After being told there is nothing they can do I went to XXXX and asked if this happened to other people and it XXXX XXXX XXXX XXXX ) turns out there are quite a few people they have done this bait and switch to. I sent them the image of link that I clicked. They still said that offer never existed. I was told I had a point of contact named XXXX. ( ext. XXXX ) I called him twice and left voice messages, yet he never returned a call. Now they say they are done. I have been cheated out of XXXX XXXX and XXXX miles. Additionally, the card I would have used for that {$4500.00} would have given me 2 % back in cash. 

Here is my communication : XX/XX/XXXX - XXXX from XXXX XXXX, TX XX/XX/XXXX - supervisor XXXX case # XXXX XXXX XXXX XXXX TX XX/XX/XXXX - supervisor XXXX - case # XXXX told there was never this offer and if I had the image to send in secured link Sent image : XXXX XXXX supervisor XXXX - case # XXXX XX/XX/XXXX - supervisor XXXX told XXXX was my point of contact at extension XXXX. I left voicemail - never was called back XX/XX/XXXX called XXXX again and no return call XX/XX/XXXX - spoke with supervisor who told me they weren't going to honor the offer as the card did not provide that offer. When I asked for his name and location, he hung up. 
XX/XX/XXXX - spoke with XXXX supervisor stated they will not do anything else.
Product: Credit card or prepaid card

Citibank Credit Card has been negligent in protecting my credit card against fraud and unauthorized charges. 
In XXXX XXXX fraudulent online purchases were made on my credit card totaling {$3000.00}. Citibank did not catch these charges. I had to notify the company and request the card be shut down. While I did receive credits for the fraudulent purchases it was not without inconvenience as any company with the card on file for automatic purchases had to be notified. 
It is now XXXX XXXX and the same thing has happened again. Fraudulent online purchases were made on my new credit card on XXXX XXXX, XXXX totaling over {$1000.00}. My brand new card that was just issued has been shut down again and a new one has been issued. 
I now have to update my credit card number with all of the merchants that have my card of file for automatic purchases. 
I have been a customer with Citibank for almost 20 years and this has happened many times. However, Citibank informed their customers that since the new cards had the " CHIP '' technology, our cards would be better protected. This is not the case. 
Citibank is not providing adequate security to protect their customers from credit card fraud and must be held accountable for the inconvenience it is causing their customers. Simply crediting their customers for the fraudulent charges is not enough. More of a deterrent is needed so they will invest time and money into better technology to prevent thieves from obtaining credit card numbers to begin with.
Product: Credit card or prepaid card

I made a purchase with virtual card XXXX at XXXX and was issued a partial refund for {$100.00} on XX/XX/XXXX, it has been almost two weeks and I have not received it. I have repeatedly reached out to Upgrade and they were not helpful. I know XXXX did issue a refund so Upgrade for whatever reason did not send me refund back to me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Subject : Request for Resolution of Unauthorized Charges and Credit Score Concern Date : XX/XX/XXXX I am writing to seek your assistance regarding a troubling issue that occurred after my husband and I traveled to XXXX. At XXXX XXXX Terminal XXXX, we made purchases at XXXX XXXX, where we were charged XXXX XXXX and XXXX XXXX. These amounts were unexpectedly charged in US dollars instead of pesos, and the credit card slips were signed without properly displaying the currency, as the amounts were obscured by a grey metal covering. 
Despite sending multiple letters to American Express, including a fax on XX/XX/XXXX, a late fee was added to my account, which American Express declared as a closed case when I inquired on XX/XX/XXXX. Additionally, one of the items charged for {$4500.00} has not been received. 
On XX/XX/XXXX, I filed a complaint with American Express to dispute these charges and requested a refund, but to no avail. Although my credit limit was supposed to be {$8000.00}, over {$15000.00} was charged. After not receiving a satisfactory response, I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, and followed up for a status update on XX/XX/XXXX, but have not yet received a response. 
Attached, please find the letter to the Federal Trade Commission, detailing the entire course of events. 
I am concerned that these unresolved charges will negatively affect my credit score. I kindly request your understanding and assistance in this matter to ensure my credit score is not adversely impacted. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX