23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is in addition to my first complaint filed on XX/XX/XXXX. Unfortunately, that complaint was filed as closed because the company FINALLY responded and it appeared they had resolved the issue. We received in writing from CitizenOne that our debt which was identify theft has been filed as so and we are no long responsible. We even received a check in the mail to pay us back for the payments we had been making. We received the offically letter stating closer of our debt and account from XXXX XXXX on XX/XX/XXXX. During the resolution process XXXX XXXX has been great and very responsive. This case was closed out on XX/XX/XXXX and starting in XXXX we have been receiving emails from CitizenOne stating we still owe a balance of {$1700.00} and requesting PAYMENT!!!!!!! I have called and left voicemail for XXXX XXXX multiple times and have given her TWO MONTHS to respond and again NOTHING! I am guessing since this complaint was closed once again the company does not care. The amount of time I have spent trying to to resolve something so simple is absolutely ridiculous. This has been going on for over a year now and yet this company has continued to do only what they have to. I want this issued resolved ASAP please. 

Original Compliant : XX/XX/XXXX someone stole my husband identity, his name is XXXX XXXX. Taking out multiple loans online for electronics. These loans included three different companies, two out of the tree were great. We had a police report, our local police investigation the issue. We were able to provide paperwork and documentation of the fraud and resolve the issue. However, the third company is Citizen Bank and they have been HORRIBLE! We have called and called and called and are always told ; we do not have many staff in the fraud department and no one is here to speak to you. We were give a fraud like we could call and leave a voicemail with no response EVER! We finally in XX/XX/XXXX to at least email us the fraud paperwork we needed to fill out and submitted it. Just to continue calling and getting the same line but no information. In XX/XX/XXXX some finally confirmed for me they received our paperwork and we should receive an email my the end of the month with instructions on what they needed from us. Well we never got that email. The fraud line now no longer even takes voicemail, its just hangs up on you. They recently gave me an email address which again no response. I have offered multiple times to send our police report in and they just tell me someone from fraud will have to talk to me. At one point we were making payments on this loan to ensure it did not hit our credit, they are stopped taking our payments and our online account no longer shows a balance but I can not get ANYONE to speak to me about the claim. Is it resolved? I am literally in tears over this. I have no where to turn. I ask to speak to a supervisor or someone higher up and they just tell me there is no one for you to speak to. I am sorry. The emotional stress this has caused my family and I is in describable. Please help me.
Product: Checking or savings account

I filed a claim with Bank of America about dispute an XXXX transaction and I told them I dont authorize this transaction And I have paper say my phone was hack And they deposited my money back into my account but after one week they put my account minus - {$10000.00} I mean they charged me the whole amount they was deposited into my account and my account balance now still ( - {$10000.00} ) So Im tired fix this with my bank and I really need help Please help me out Thank you so much!!
Product: Credit reporting or other personal consumer reports

Identity Theft Notification Legal Demand to Delete Unverified Accounts and Inquiries Under 15 U.S.C. 1681b and 1681c-2 | FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department XXXX This letter serves as a formal legal notice and demand to delete all unauthorized, unverified, or potentially fraudulent accounts and inquiries currently being reported on my TransUnion credit file. I have filed an official identity theft report with IdentityTheft.gov ( FTC Report # XXXX ) and submitted dispute correspondence dated XX/XX/XXXX, with no legitimate verification or resolution received. 

I have not granted TransUnion or any furnisher permission to report, share, or distribute my personal or financial information. I have never signed for or authorized the accounts listed below. These entries are being maintained without a permissible purpose, in violation of 15 U.S.C. 1681b.

Furthermore, under 15 U.S.C. 1681c-2, TransUnion is legally required to block and delete any information related to identity theft after official notice is given which this letter and the attached FTC Identity Theft Report constitute.

Most furnishers can not and will not produce original applications, signed contracts, or documents bearing my wet signature, because they do not exist. You are now legally obligated to delete these accounts and inquiries without delay. 

Disputed Accounts ( Must Be Permanently Deleted ) JXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX OF XXXX Acct # XXXX XXXX AND XXXX  Acct # XXXX XXXX XXXX XXXXcct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXXXXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX Unauthorized Hard Inquiries ( Must Be Deleted ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Immediate Deletion : 15 U.S.C. 1681b These items are reported without my consent or a lawful permissible purpose 15 U.S.C. 1681c-2 Upon notice of identity theft, you are required to block/remove related information FTC Identity Theft Report # XXXX Formal identity theft notification is now in effect Continued reporting or furnishing of the above data will be considered willful noncompliance and a violation of federal law. 

Required Action : Immediately delete all listed accounts and inquiries Provide written confirmation of deletion within 15 calendar days Cease furnishing or reselling my credit data without my documented written permission Failure to Comply Will Result In : Escalated complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final opportunity to comply with federal law. I expect a full deletion and written confirmation within the timeframe provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS REMOVING OLD ADDRESSES THAT WERE LINKED TO MY IDENTITY THEFT CASE.
Product: Debt collection

Automated Collection Services continuously sends me letters claiming that I owe {$4100.00} to XXXX XXXX XXXX. I have never had services with XXXX XXXX XXXX. I reached out to Automated Collection Services over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.
Product: Mortgage

My home was destroyed in hurricane Ian I sent the mortgage company my insurance payment and they're supposed to pay off the mortgage and refund me the difference. They've had the payment since XX/XX/2023 and have yet to complete the request hiding behind the fact that since it's a large payment it takes longer.
Product: Debt collection

This company has been repeatedly calling my family, friends, workplace, and my husband 's family looking for me. I have already tried working through this with them and even set up a payment plan, but the harassing of my loved ones and my employer discourages me from even calling them back at this point. This has caused major distress to myself, everyone around me, and is threatening my job.
Product: Debt collection

I had a car loan with Exeter finance. The car was stolen, so no payments was made. They where aware of the situation. They reported it to the credit bureau and when I called to 1 let them know the situation I was told if/when they got the car back it would be removed from my credit. Months later the car was impounded in a different state where they caught the person who stole it. I called them and arranged for them to go pick up the car even sending the spare key to the impound yard so they could get it. I called and made sure they got it now they are still reporting it. One credit bureau they are reporting {$12000.00} and on another they are reporting {$14000.00}. I want them to keep their word and remove it.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX  XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I wired money {$25000.00} to a Company 's business bank account but later found out that the Company ( XXXX XXXX XXXX ) is a fraudulent company. I asked my bank, Wells Fargo to investigate and have that bank ( XXXX ) refund the money to my account. Their investigation concluded that since I authorized the wire transfer, the receiving bank would not return the money and therefore my case was closed. Please investigate and see if there is anything that can be done to retrieve my funds.
Product: Credit reporting or other personal consumer reports

Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my today 's attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraud items : 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 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 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
Product: Debt collection

I recently contacted the original company I have a delinquent balance of {$580.00} for an utility bill. XXXX XXXX XXXX XXXX  XXXX company ) in good faith I want to pay my balance. I choose to pay them directly rather than the collection agency that shows up on my credit report. IC systems. 
I have made three payments thus far. 

Once I started making payments to XXXX XXXX XXXX  XXXX XXXX IC systems is maliciously flagging my credit report every few days within 30 days! This is harassment I owe IC systems nothing and they have no right to put such derogatory marks on my report in attempts to lowering my score and tarnish my record. 
I have screenshots, pictures of how many times and how often they are doing this. This is violating my consumer right to fair reporting and also against the law. 
I am XXXX years old and I am struggling to rebuild my credit. I have been doing everything right and when I start making payments to the original company IC systems starts viciously attracting my credit report. 
IC systems dates of bogus inaccurate illegal reporting .... 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I will attach photos of each date. And proof of 2 of three payments I have made directly to XXXX XXXX XXXX  XXXX. 
This is clearly an attack from IC systems and they must be held accountable for their actions. 
Because I choose to pay the company directly they choose to retaliate and attack me in such an unprofessional way. 

They no longer have rights to my account as I am currently in contact with XXXX and actively paying. 
They have absolutely no right to attack my livelihood in such irresponsible violating ways. 
And they can not deny their actions with the pictures Ill include with this complaint.

This debt is old not new. All the damage IC systems inflicted on my report in 30 short days is unlawful. And Experian should NEVER allow such crime. XXXX  has a LOT of violating inaccurate reporting. Purposely holding credit scores back with bogus reporting is a violation!
Product: Credit card or prepaid card

I was charged {$13.00} in interest for the months of XXXX and XX/XX/2020. I sent a request by mail disputing the charge and received a response stating the validity of the late payment fee. To my knowledge I have never been late on a payment nor received a late fee. 

I did however receive two separate charges, totaling {$13.00}, for interest charges which I would like refunded. 

XXXX XXXX
Product: Checking or savings account

My available funds said I could transfer {$87.00}, so I did & my balance was XXXX after that. 2 days later, I have a {$36.00} overdraft fee and was told that I didn't have {$87.00} to transfer, that I only had {$80.00} so I overdrafted. Why would it let me transfer money that they say I didnt have? This is the second time this has happened, the first time they charged me 2 bounce fees. I am owed {$100.00} for fraudulent fees. I have gone as high up as the corporate office and they refuse to do anything. BB & T XXXX XXXX, XXXX, FL.
Product: Debt collection

This company is in Violation of multiple FDCPA laws. I see that this company is reporting unverifiable and inaccurate information on my credit report. I do request a validation of debt letter but Pursuant 15 U.S.C. they were to notify me of this in writing 5 days prior, I was not. as the Original creditor, I Only can validate this Debt. i do not validate this Debt. I demand this company to stop reporting unverifiable and inaccurate information on my credit report and I also will like this company to cease all forms of communication with me Through any and all mediums.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

Im A  XXXX  living in  XXXX   XXXX   XXXX  and  XXXX  says they cant Proses my Information electronically and i have two send it buy  Paper M ail  XXXX  is the Counter  Fit capitol of  the World i should not print documents at and  internet Caffe  and the mail is extremely Unsafe.     It Would Tak e 40-60 days two mail the  Credit Burrow from  XXXX  I have  two Fly Two   XXXX  and ask  XXXX  that 13 Years i cant get a new ATM card with a  XXXX   credit score be cause my payee sabotage everything Can I sue the Credit Burrow from  XXXX  that i cant get a New ATM card in 13 years  XXXX  - A World of Insight We 're sorry. We were unable to honor your request.       Sending us your information To submit your request by mail, please send your documents along with  one copy of a government issued identification card, such as a drivers license, state or military ID card, etc., one copy  of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number.  Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, maga  zine subscriptions  or postal service forwarding orders as proof. To protect your personal identification information,  XXXX  does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes  may be sh ared with any and all creditors with which you are disputing.       Mail this form to :  XXXX     XXXX   XXXX   XXXX   XXXX  ,  TX  XXXX  Your identification information  XXXX   XXXX  Social Security Number :  XXXX   XXXX   XXXX   XXXX   XXXX  MN  XXXX  Report number :  XXXX
Product: Debt collection

The Complaint that I have is with PORTFOLIO RECOVERY ASSOCIATES. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with PORTFOLIO RECOVERY ASSOCIATES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently filed a dispute with Lexis Nexis about public record information the company was keeping and reselling about me.XXXX compliance regulations not being followed. In their response they removed the information from my XXXX and XXXX profile. The company verified the information in my XXXX file. My complaint is that if this information was removed from two of the three credit reports then it should be removed from the other one ( XXXX ) .The FCRA criteria and XXXX compliance standards are the same throughout each bureau, and to Lexis Nexis yet they refuse to remove this negative public record. 15 U.S code 1681e ( b ) says that the information prepared should prepared with MAXIMUM accuracy this item is not. This item also violates FCRA 15 U.S. code 1681e ( E ) ( 1 ) ( a ) ( b ) 1681e ( E ) ( 2 ) ( a ) ( i ) 1681e ( E ) ( B ) all speaks of Procurement of consumer reports FOR RESELLERS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX