23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted them through email because they continue to send letters, emails and also put this on my credit. I have emailed asking several times to stop contacting me this is fraud. 
I have not given them any information. I do not open any account with them or allowed anyone else to transfer anything in my name. 

This is fraud! I do not have an relationships with this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 XXXX Etherium coins were transferred to a third party account without my knowledge or authorization. I have called and emailed Coinbase on numerous times trying to get a log with dates and times when the XXXX etherium coins were stolen. To this day I haven't received it.
Product: Checking or savings account

Navy Federal Credit Union refuses to close my account or freeze it even though I have told them multiple companies keep trying to debit the account even though I have cancelled any and all automatic payments and revoked authorization. The bank makes {$29.00} each time one of these companies tries to take money and now I have at least 10 of these fees. The account is negative {$600.00}. They want me to pay before they will close it but each time I add money they add more fees, because someone tries to take money out without my authorization again. I revoked authorization each time Im given the name of the company that is trying to debit the account. I need assistance closing the account and getting a final account statement.
Product: Debt collection

This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.
Product: Debt collection

.did n't authorize or gave permission for the Debt Buyer with my information. It's already closed and charged off
Product: Credit reporting or other personal consumer reports

Transunion credit reporting company been damaging my credit report for the passes 5 years. I try to fix the proleme with them but they never cooperated.this is supposedly a 19 years that never belonged to me.I dispute this debt several times. They rejected my claim based on the fact XXXX the lender confirmed the veracity of the debt. 
I believed 7 years is length of negative reporting but this debt is 19 years old but they can provide me with promissory note for this debt or the last day of delinquency, which does not exist because I never pay a single dollar on this debt because it never been mine. 
Thank you XXXX XXXX
Product: Prepaid card

I have 2 American Express Reward prepaid cards, each with {$100.00} on them, that expired XX/XX/XXXX. I received these as a XXXX gift, XX/XX/XXXX, and did not realize there was an expiration date on them. Today is XX/XX/XXXX. I called the customer service line and spoke with multiple people asking to get new cards issued. Every person said the funds were expired, there was now a {$0.00} balance, and there was nothing they could do.
Product: Credit card

I have been attempting to access XXXX XXXX  with my XXXX XXXX card since XX/XX/XXXX, but I have been unsuccessful. Despite holding this card for over two years, I have been unable to register through the XXXX XXXX website. 

I have contacted customer service twice, and each time, I was told that this issue is something Capital One is working on. However, it is now XXXX, and I am still unable to access the site or register my card. I continue to receive the following error message : " We can't find that card number in our XXXX XXXX programme, please check the number and try again. Please note that the XXXXdigit number on the back of your card should not include any dashes, spaces or other characters. Access to XXXX XXXX for XXXX XXXX customers becomes available up to XXXX weeks after your card is dispatched. If you continue to receive this error, please try again in a few days or contact us if unsuccessful after two weeks. As a reminder, only your XXXX XXXX physical card number can be used for XXXX XXXX enrolment. '' This has been an ongoing issue for over two months, and I am frustrated that I am unable to access one of the key benefits that comes with my {$390.00} annual fee. I would appreciate Capital Ones immediate assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error. Please remove this account because this is not mine. This is so disappointing!
Product: Debt collection

On XXXX-XXXX-18 and XXXX-XXXX-18 XXXX and XXXX accepted and added a fraudulent debt to my credit file from a company called XXXX XXXX XXXX. This debt of {$1100.00} does not belong to me in any way shape or form and XXXX  and XXXX should not have allowed this to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019, my XXXX  credit card XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.
Product: Bank account or service

Citibank did not pay an offered {$400.00} Checking Bonus despite the fact that all requirements of the public promotion were satisfied. 
I opened a Citibank Account checking package using a public promotion XXXX on XX/XX/XXXX. The promotion offer states that I should get a bonus {$400.00} after I satisfy the requirements of the promotion. After I opened the Citibank Account package, I received a positive confirmation ( attached XXXX ) from the bank that I am eligible for the promotion. 
According to conditions of the promotion ( attached XXXX ), I should get {$400.00} on XX/XX/XXXX ( " XXXX days from the date of the qualifying transaction '' ). I deposited {$15000.00} on XX/XX/XXXX ( attached statement XXXX ) and kept on the account more than {$15000.00} until XX/XX/XXXX and more than {$10000.00} until XX/XX/XXXX ( attached XXXX ). 
However, as of today, I have not received the bonus offered by Citibank. 
I raised an investigation on XX/XX/XXXX with Citibank and received a response ( attached XXXX ) that " Our records indicate you have qualified for the above offer. Unfortunately, the above account is not XXXX certified. '' and " Once your account is certified, the financial center can submit a follow up investigation. '' I provided the additional documents to the bank and my account was XXXX certified on XX/XX/XXXX. I had an online chat with a bank representative on XX/XX/XXXX ( attached XXXX ). He wrote, " XX/XX/XXXX there was a note placed on your account that XXXX is certified '' and opened an additional investigation case XXXX and he wrote me that I would " receive a response within XXXX business days which is no later than XX/XX/XXXX ''. However, I have not received an expected response from the bank so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit act. The account below has violated my federally protected consumer rights to privacy and confidentially under U.S.C. 1681 : XXXX XXXX account # XXXX. Also Has violated my rights to privacy 15 U.S.C. 1681 section 602 A. U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written consent. 


Also wrong personal information ( address ) is on my report due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Center, I am writing to formally dispute several inaccuracies on my Experian credit report. I request the immediate removal of the following accounts, as they do not belong to me XXXX XXXX : XXXX XXXX XXXX : XXXX I have never opened any accounts with these names and have no knowledge of their origin. These inaccuracies are damaging to my credit score and must be corrected promptly. 
Additionally, I dispute the late payment status listed for my XXXX XXXX XXXX account XXXX to the best of my recollection, I have always made timely payments on this account. Please investigate this discrepancy and consider my statement when updating the account status. 
For your reference, I have attached copies of the following documents to support my dispute : A government-issued photo ID ( driver 's license, passport, etc. ) A recent utility bill or bank statement I kindly request that you investigate these inaccurate accounts and update my credit report accordingly. Please inform me of the progress and outcome of my dispute within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). You can reach me at ( XXXX ) XXXX or XXXX. 
Thank you for your time and attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that these accounts and inquiries be removed as they are fraudulent and part of an identity theft investigation. The consumer reporting agencies have refused to do so in the last 60 days. I have also filled out an affidavit with the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within XXXX business days of receiving notice of the dispute, the agency is not required to comply with the regular XXXX reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than XXXX business days after making the deletion [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within XXXX business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]
Product: Debt collection

On XX/XX/2023, my partner and I attempted to apply for a mortgage loan and discovered that National Credit Systems had placed a collection mark on my credit report which I was unaware of prior to that date. I attempted to talk to the company over the phone several times regarding this debt to find out more information and possibly negotiate a good faith deletion but was told repeatedly that the person I needed to speak with was unavailable and the person I did speak with refused to assist me in any way. I checked my records and found that ( as of the time of this complaint ) I have not received any documentation regarding this debt, including any Letters of Validation. In response, on XX/XX/2023, I mailed a Request for Verification letter to the company via certified mail and verified that they signed for and received this letter successfully on XX/XX/2023. From what I have understood, according to the FDCPA, a collection company is required upon receipt of this letter to cease all attempts to collect this debt and remove the negative mark on my credit report during the 30 day period that they have to provide proper documentation on this supposed debt. I emailed the company on XX/XX/2023 to follow up on the Request for Verification that was sent but have not received any replies to that email or calls or letters whatsoever. At this point, there has been no validation of this debt and my ability to apply for a mortgage is being held hostage due to this company 's unresponsiveness and failure to comply with federal law. I have documented proof of the actions and dates of the events mentioned herein and am requesting assistance with getting this resolved. Please help!
Product: Prepaid card

I received an American Express gift card for XXXX ( XX/XX/XXXX ). I made sure it was activated and tried to use it multiple times ( for less than the amount AMEX said was available ) on XX/XX/XXXX and XX/XX/XXXX. Each time it was declined but American Express still charged {$.00}.
Product: Checking or savings account

The Consumer Financial Protection Bureau ( CFPB ) sued Navy Federal Credit Union for charging illegal overdraft fees from XXXX to XXXX. The CFPB ordered Navy Federal to pay over {$95.00} million to consumers and the CFPB 's victims relief fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for EXPERIAN Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

Please see the following timeline : XX/XX/XXXX : I received a letter from Resurgent in response to my dispute with XXXX which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit 1 ). This was completed and sent back to Resurgent. Resurgent required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. 

XX/XX/XXXX XXXX : Due to the response that Resurgent submitted to XXXX regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit 2 ). 

XX/XX/XXXX : I received a letter from Resurgent advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from Resurgent stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to Resurgent stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit 4 ). 

XX/XX/XXXX : I received four letters from Resurgent. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. 

In summary, I disputed a derogatory reporting with XXXX in which a response was given by Resurgent that the reporting was valid. In response, I submitted to Resurgent a request for Debt Verification in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. Resurgent did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from Resurgent regarding what was done with that document. The last correspondence that I received from Resurgent was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. 
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}
Product: Payday loan, title loan, or personal loan

Interest applies daily, cant pay it down or off -Advance Financial 24/7
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). I have a duplicate account on my experian credit report that I have disputed more than three times just to get ( Outcome Updated ) as the result. Please help me get this inaccurate information removed from my credit report.

2 ). I have an aged 7 year old closed account that I disputed to have remove but experian will not remove the account. When I dispute this item the result come back as ( Outcome Remains ) Please help me get this aged closed account removed from my credit report.

3 ). I am sending over supporting documents to prove my case.

Thanks
Product: Checking or savings account

I contacted Chime about an order I had never received from XXXX, its been about 2 weeks and they deny offering and provisional Credit with chime and keep stating that it will take over 90 days to complete an Investigation. Provisional credits must be given within 10 days if an investigation is not completed.
Product: Checking or savings account

On XX/XX/XXXX, Discover closed my savings and two credit card accounts without any reason. At that time, I still have over {$80000.00} balance in that savings account. I have to call discover to ask them what happened and they told me that my online accounts were just deleted and they can not recover them at all. 

I have to register a new online account to access my savings account and the customer service of Discover did not know why this account was closed! I have been holding the credit card accounts for more than 5 years and the savings account for 4 years and have never violated any of Discover 's rules.

I know they used to close customer 's credit card accounts for no reason. But what I can not accept is that they even closed my savings account without any reason and notice, especially when I still have {$80000.00} in that savings account!