23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was first contacted by General Revenue Corporation ( GRC ) on or around XX/XX/XXXX regarding an alleged debt. The debt allegedly originated as an account with XXXX XXXX University. The amount owed on this alleged debt was {$4800.00} and was assigned file number XXXX. I was never contacted by XXXX XXXX University  regarding this alleged debt and never agreed to any type of arrangement with the University. I was once a student with XXXX XXXX University  and all of my student loans are current with the United States Department of Education. I ended my enrollment with the University in XX/XX/XXXX. I responded to GRC via multiple certified letters that I was unaware of the alleged debt and its origins and I sought validation of the alleged debt. GRC responded to my correspondence with a list of charges that allegedly came from the University. GRC has not yet provided any contract between me and the University. GRC has refused or been unable to provide any documentation that will legally validate the alleged debt. The University has placed the same account with a different collection agency in the past, XXXX XXXX. The account was investigated and removed from all credit bureaus when XXXX XXXX was unable to validate the debt. GRC has since reported this account to multiple credit reporting agencies without proper validation or proof of validation. 
The initial amount of the alleged debt is different than the amount of the debt in the alleged validation letter that I received. The unfair reporting of this alleged debt has caused damages to my credit report and my reputation as a consumer and as a professional. GRC has been misleading and have not been willing to validate this alleged debt prior to taking adverse action against me.
Product: Credit reporting or other personal consumer reports

Account was opened in XX/XX/year>. I have provided documentation and requested multiple times through all credit bureaus for this information to be removed. I have reported identity theft, police reports, and ftc reports have been reported since then. I have requested information for documentation for accurate verification and no response. I have security freeze and fraud alerts on all my accounts as well.
Product: Credit reporting or other personal consumer reports

Subject : Request for Fraudulent Account Deletion from Credit Report Dear [ XXXX, Equifax, and XXXX XXXX ], I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 Section 2. It also states a consumer reporting agency can not furnish a account without written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX XXXX 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX/2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.
Product: Student loan

One of my accounts with Sallie Mae, before it was sold has been incorrect information. I have repeatedly tried to get them to correct this issue. 

It shows me as not having paid, when I was supposed to be under forbearance. It looks like they applied it to one of my loans, but it was supposed to be for both. 

At the time I was unemployed and trying to straighten this out with them. Every person I talked to told me something different. Since they were becoming navient ... they seemed to stop being reachable and no one cared to help correct the problem. I tried multiple times to contact them. Once I thought things were ok, I 'd call and get different information from someone else.
Product: Credit reporting or other personal consumer reports

I sent certified letters on XX/XX/2023, and XX/XX/2023, to XXXX, Transunion and XXXX. However, the credit bureau said they completed the investigation, and everything was 100 % accurate.

According to the law 15 U.S. code 1681a - Definition ; rules of construction The term ''investigative consumer report '' means consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbor, friends or associates on the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. 

I would like to know who they talk to. 

How did they complete this investigation?
Product: Checking or savings account

Ally Bank denied me access to my online personal checking account from XX/XX/year>, to XX/XX/year>, even after verifying my true identity. As a XXXX senior citizen, this has been particularly distressing. 

My Social Security payments are directly deposited into Ally Bank every fourth Wednesday of the month. For 24 days, Ally Bank has been holding my deposits, making it impossible for me to pay my rent and other bills on time, which is due on XX/XX/year>. 

I now have to inform my landlord that my rent payment will be late, incurring a late fee due to Ally Bank 's failure to transfer my deposits to XXXX XXXX XXXX  in a timely manner and to close my account. Ally Bank needs to be responsible for the late fee, and if I should lose my apartment because of this, Ally Bank should be held accountable and cover all damages associated with this issue.
Product: Money transfer, virtual currency, or money service

I opened an account with Etoro on XX/XX/2021 and invested {$1000.00} in XXXX after filling out my W9 and linking my bank account. I purchased at .6199 and .7293 not on a stop loss. XXXX went down a bit and I wanted to hold it until it came back up maybe up to a year or two- long term no big deal. I logged into my account Tuesday after XXXX XXXX as I always do on weekdays before I start work. I was trying to look at my portfolio only to see I had no active moving markets or any profit to loss margins showing. I messaged EToro letting them know there was an issue with the app and received an email back from XXXX stating I had closed my two positions at XXXX my time on XXXX XXXX causing a loss of over {$580.00}. I utilized one device and only the app for EToro and EToro is telling me I signed in from XXXX IPs and was using XXXX which is not true. I have asked to verify the IPs or the devices and they are refusing. I looked through my emails and found two time stamped that Sunday at XXXX my time stating I had closed my positions at XXXX that same day ( 7 hours ahead of the actual transaction ). I did not close my positions and looking at their reviews they have a habit of doing this and stealing people 's money. They state they will only work with law enforcement to reveal the IPs used. Please, I need help, I have been scammed by EToro. Nothing adds up and I was no where near my phone that evening nor do I use XXXX on my cell or have two IPs
Product: Credit reporting or other personal consumer reports

I turned my vehicle into XXXX ( XXXX ) XXXX into the dealer after my lease was paid in full in XX/XX/XXXX. Reported to my credit as paid in full. In XXXX I received a bill for a lease turn in fee ( paid in full in XXXX ) and {$640.00} for excessive tire and wheel wear and tear. I had insurance in my lease that covered any damage of this kind. Multiple calls to dealers and XXXX XXXX and kept being assured the claim was filed and I did not owe this amount. 

Still checking on the claim and still no resolution. I never owed this money as it was included in my lease. Finally the claim is paid XX/XX/XXXX and I see today that they reported a 30 day delinquency for the {$640.00}, which I never owed and was paid by the agency insuring the wheels and tires package. I need this off of my credit report ( all three bureaus ) immediately. First of all I never owed the money and the account was settled with the claim. I understand XXXX XXXX was fined for this very behavior in XXXX and apparently has not changed business practices.
Product: Credit card or prepaid card

I have a previous complaint in on syncrony bank/care credit card. I wish to add additonal information. Today I received a statment. Upon reviewing the statement I noticed I was charged {$83.00} in fees. I immediately contact sycrony bank to discuss this. I was told that I am past due on my payment. I explained to them that I only made 1 purchase on this card back in XXXX. It is a no interest card if paid in full by XX/XX/XXXX. XXXX. From day 1 monthly payments are {$160.00} However the past few months the monthly payment is going up I explained how can this be if the balance is going down why is the monthly payment going up? On top of this I don't receive a statement every month from them. I call on the due date or 2-3 days prior to make the payment on the phone. They have no right to tell me that I'm not making the full miminum monthly payment that is required. As I stated prior from day 1 the minimum monthly payment is {$160.00}. Now they reported me to the 3 credit reporting agency 's as being 30 days late. This is completely wrong. The customer service rep was unable to go back the prior months to see why this is happening. To me this is not an answer. How can you not view the whole history from when the account was opened? And now i'm being charged late charges. I myself tried to view the account from 8 months ago and the system will not allow me to do so. I've had nothing with problems with this bank.
Product: Debt collection

Repeated phone calls to my employer after he was asked not to call anymore. I have records of every phone call to the office.
Product: Debt collection

Hello, I see that you have reported inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Enhanced Recovery Services Account # : XXXX Amount : {$2400.00} Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt in collections. There are several things wrong with it. 

1 ) I tried to dispute this debt through Experian, but they refused to accept the dispute.

2 ) This is not a valid debt. It was disputed XXXX years ago with no response from the original company.

3 ) I disputed this debt with another collection agency and they stopped action rather than responding, so once again this is not a valid debt.

3 ) They are reporting the date of this debt as being now, rather than XXXX years ago as it actually is.
Product: Credit card or prepaid card

HAVE A FRAUDULENT CHARGE ON-LINE CHARGE ON MY APPLE CARD WHICH IS THROUGH GOLDMAN SACHS. THIS CHARGE IS FROM XX/XX/2020. AMOUNT IS {$560.00} & HAVE BEEN DISPUTING IT SINCE THEN. THEY LOOK INTO IT, CREDIT ACCOUNT TEMPORARILY THEN RE-CHARGE ACCOUNT NO MATTER WHO I TALK WITH FROM APPLE & GOLDMAN SACHS. I HAVE FINALLY RECEIVED A COPY OF THE CHARGE FROM GOLDMAN SACHS & ITEM WAS DELIVERED TO AN ADDRESS IN XXXX, PA. I ALSO RECENTLY FILED A FRAUD POLICE REPORT & SENT THIS IN WRITING TO THEM. AND AGAIN GOT A TEMP. CREDIT FOR A WEEK OR SO & THEN CHARGE RE-APPEARS ON ACCOUNT. NOT SURE WHAT TO DO AT THIS POINT? THX.
Product: Credit card

Chase is reporting XXXX missed payments and charge off on name as authorized user I never put myself on an acct please have them remove from that acct asap thank you
Product: Student loan

In XXXX, I applied for an XXXX repayment plan in anticipation of student loan payment resuming. I never heard anything. When I looked up my account on Mohela, it said I was in forbearance. I attempted to call to ask them if I could make payments during forbearance to count toward my PSLF ( I have {$30000.00} of loans that are 4 payments away from forgiveness ). It took multiple attempts and finally a three hour phone to get some answers ( which ultimately led to more confusion. ) I was told that my repayment plan request could not be processed because they needed more information. ( I never received any communication to this effect. ) It was explained to me that they needed my last five years of tax returns in order to process my repayment plan application. I tried to explain that I'd given that access via this website/IRS. The representative I spoke to said that didn't count. When I tried to ask why they needed tax returns going back to XXXX ( because I had been in repayment in XXXX and they should already have access ), I couldn't get a straight answers. I think asked for correspondence that explained what documents were needed and where they should be uploaded. ( You can imagine that five years of tax returns might be a significant amount of pages. ) The operator said she just needed to rerun my application that it had been processed under the wrong plan, and I should hear something in a week. That was a month ago. Since then, my account is still in forbearance. The only communication I have gotten from Mohela is a note saying that they were slow in processing communication. I have tried to call on multiple occasions, and the wait times were over an hour long. I have contacted my Congress person and complained to the US Dept. of Ed. I still don't know what if any info is needed, what my payment will be or when it will be due. I also don't know what I need to do to try to get four more payments credits to reach PSLF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Incorrect Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, there are errors in the personal identifying information section, such as my name, address, and phone number. I have outlined the inaccuracies below and provided the correct information for reference : Name : Incorrect : XXXX XXXX, XXXX XXXX '' Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect : Listed on the correct report Correct : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Incorrect Listed on the Credit Report Correct : XXXX ) XXXX I believe these errors have occurred due to [ briefly explain possible reasons if you know them, e.g., " a clerical error, '' " misattribution, '' or " identity theft '' ]. These inaccuracies are negatively impacting my credit profile and may cause further issues if not promptly corrected. 

Attached, I have included copies of the following documents to verify my identity and provide evidence of the correct information : A copy of my government-issued photo ID Attached A recent utility bill or bank statement showing my correct address XXXX XXXX Listed. 
I respectfully request that you investigate this matter and contact the relevant credit reporting agencies to update and correct the inaccurate information on my credit report. 

Please keep me informed of the progress of this dispute. You can reach me at the contact information provided above. I would appreciate a written confirmation once the inaccuracies are resolved. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need additional information or documentation. 

Sincerely, XXXX XXXX
Product: Debt collection

I checked my credit reports and saw that ARS was reporting an alleged debt on my report. On XX/XX/2022, I mailed them a Certified letter to the company, however, they completely ignored my request for them to validate this alleged debt that they are reporting on my credit report. They never mailed me a dunning letter, ignored my request to legally validate this alleged debt, and continue to mess up my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, Experian, XXXX, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form 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 XXXXXXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form 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 am a XXXX  XXXX  with 21 years of XXXX  service. I had a lease agreement with XXXX XXXX XXXX I reported a sewage water problem for over 4 months with no resolution that started in XX/XX/year>. I was allowed to move on XXXX with the issue not yet resolved and a week after I moved they tried to tell me I own them for the promotion of 3 free months and early termination fee. I paid all my rent on time and did not want to leave with sewage water leaking from about apartment and now I have a collection for {$21000.00} from the NATIONAL CREDIT SYSTEM. Try contacting the credit bureau for help using the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) with no luck. How could I get a collection when they fail to meet the minimum living conditions? Please I need help to resolve this abuse. Thank you
Product: Credit card

I am writing to express my deep dissatisfaction and concern regarding the deceptive practices employed by CitiBank in conjunction with their XXXX XXXX XXXX upgrade promotion. I received a mailer from CitiBank Credit Cards stating that I was eligible to upgrade my XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX XXXX. The mailer further enticed me with a list of incentives, prominently featuring the promise of receiving XXXX bonus miles if I spent {$7000.00} within the first three months of receiving the upgraded card. 

Relying on the representations in the mailer, I upgraded my card, transitioning from paying {$99.00} annually to a hefty {$590.00} annual fee. Despite diligently meeting the spending requirement within the stipulated time frame, I have yet to receive the promised XXXX bonus miles. 

Upon contacting CitiBank Credit Card 's customer service to address this issue, I was shocked to be informed by a customer service agent that the incentive advertised in the mailer only applied to new accounts, not upgrades. This revelation contradicted the clear and unambiguous language of the mailer, which led me to reasonably believe that I would receive the incentive upon upgrading my existing account. 

Furthermore, I was disturbed to learn from the customer service agent that I was not alone in experiencing this deceptive discrepancy. It is deeply troubling to discover that other customers have been similarly misled by Citi Credit Cards ' misleading advertising tactics.

I find it wholly unacceptable that CitiBank would engage in such deceptive practices, causing me to incur a significant financial burden based on false promises. Despite acknowledging the deceptive nature of the mailer, I was informed that the only recourse available to me was to submit feedback to the company. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold CitiBank accountable for its misleading and unfair business practices. Customers should not be subjected to deceptive advertising tactics that ultimately result in financial harm. 

I request that appropriate action be taken to rectify this situation, including but not limited to honoring the promised incentive or providing appropriate compensation for the misleading advertising and financial burden imposed upon me.