23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In his XX/XX/XXXX letter, XXXX XXXX stated : " Over the next few months we will be introducing enhancements to improve how we communicate with our clients. These enhancements will include a new Mobile Messaging feature and an enhanced XXXX Chat experience. As part of that plan, we have disabled the send a new message option on Citibank Online effective XX/XX/XXXX. Please visit Citis contact us page for other contact options. We are working to continuously improve the Citibank online experience and will be reintroducing a new way to message with us in the near future. We apologize for any inconvenience this has caused you. '' Citibank will be reintroducing a new way to message in the near future. When is the " near future. '' What is the specific DATE that Citibank will be reintroducing a new way to message?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2017, GLA COLLECTION COMPA add a derogatory XXXX on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Student loan

XXXX   XXXX   XXXX  - I called  Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $  XXXX  {$5000.00}. I was told I could defer my payment for  XXXX  and have repayments start up again in  XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent  XXXX  and  XXXX , I told them I was on a trip on  XXXX  and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to  a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in  XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on  XXXX   XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by Equifax. On XX/XX/XXXX, I contacted Equifax to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX Account 4 : Creditor : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00} Original Creditor Name : 01 XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying Equifax of these discrepancies, but their lack of response is concerning. I believe Equifax has an obligation to comply with federal law and investigate the validity of these accounts as per my request.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and my consumer rights. The following issues have occurred : Failure to Conduct Proper Investigation by TransUnion - 15 U.S.C. 1681i I disputed multiple inaccurate accounts on my credit report with TransUnion. Despite my dispute, these accounts were verified without proper documentation.

Resolution Requested : I request all documents used in the verification process or the immediate removal of these accounts.

Inaccurate Delinquency Reporting - 15 U.S.C. 1681e ( b ) The report incorrectly shows late payments in XX/XX/2023 and XX/XX/2023 for a closed and fully paid account. A paid account can not have further delinquencies.

Resolution Requested : I demand the removal of the incorrect late payments.

Duplicate Collection Accounts - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) My credit report contains multiple collection accounts ( # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ) with the same original creditor and similar balances, suggesting duplication and improper reporting.

Resolution Requested : Delete any duplicate accounts.

Illegal Re-Aging of Debt - 15 U.S.C. 1681c ( a ) Certain collection accounts appear to have updated delinquency dates, possibly restarting the seven-year reporting period, which is illegal under the FCRA.

Resolution Requested : Correct the Date of First Delinquency ( DOFD ) or remove these accounts.

Failure to Mark Disputed Accounts - 15 U.S.C. 1681s-2 ( a ) ( 3 ) TransUnion failed to mark disputed accounts as " disputed by consumer, '' violating the FCRA.

Resolution Requested : Update the accounts to reflect the dispute or remove them.
Product: Credit card or prepaid card

I received my credit card statement on XX/XX/XXXX and it had a fraudulent charge that I did not make. My card had a zero balance prior to this charge & I had not used the card in quite some time. I contacted Union Bank immediately & reported the the fraudulent charge. Their customer service center told me they would take care of it they closed my account and issued a new card with a new number. A month later I got my next statement and the fraudulent charge was still on my account plus I had been charged late fees and interest charges. I called Union bank again on XX/XX/XXXX - the customer service rep I spoke to told me she saw the record of my prior call but the person I spoke to didn't flag the charge as fraud like she was supposed to. The rep I spoke to on XX/XX/XXXX flagged the fraudulent charge as a fraud charge and credited the late fee and interest charged on my XXXX statement. A few days later I started getting collection calls from Union bank. I called again on XX/XX/XXXX and spoke to the collection dept. The collection agent said she would take care of it. The collection calls stopped after that but I am still receiving collection letters regarding the past due balance ( late fees & interest that they keep charging me because of the fraudulent charge they wont take care of ). I called again on XX/XX/XXXX and spoke to the collection dept ( my calls are automatically routed to them when I call ). They are the only dept that speaks clear english. The collection agent apologized and said she understood my frustration but the customer service department was the only department that could help me so she transferred me over to them again. The customer service center is outsourced to another country. I have a hard time understanding them & they are not doing anything to resolve this matter even though they tell me they will take care of it every time I call. I dont know what else to do at this point because I cant speak to anyone who is willing to actually fix this issue. When I spoke to them on XX/XX/XXXX I told them I want to get this resolved & I want to close my account. I have never had such horrible service from a bank in my life & will never do business with them again. I hope you can assist me with resolving this matter and getting my account closed to prevent this from happening again.
Product: Credit card or prepaid card

My card has been locked since About XX/XX/XXXX they told me to send in documentation to get my account unlocked 2 weeks go by and my card is still locked then I get paid from my job and I go to use my money which is when I realized my card was locked still after 2 weeks of sending my documents in so I call and they said something about incorrect information was told to them and I needed further verification I sent in the further verification they asked for and theyre site says 2-3 days another 2 days go by my card is still locked now I have no way to work no way to eat no way to feed my dog or handle my business it is only XXXX in my account so when I seen it was still locked after the second time of me calling I called back and let them know I keep calling sending in verification and my card is still locked the website says 2-3 days its going on 3 weeks and some days and my card is still locked with my money in my account I called asked to transfer my money out and close the account because at this point customer service is horrible and this isnt the first time this has happened so I explain whats going on to there employee she puts me on hold several times just to come back on the phone and state theres nothing I can do but wait or send in more documents this time they asked for school verification so I sent it in again another 3 days go by I have my mother and father card they put them on hold and disconnected the line so I call again explain the situation and the lady gets very rude and nasty and hangs up in my face when I asked for supervisor and told me stop calling so I gave it a hour and called again to speak to someone new and this time she told me she will unlock my card once we hung up I checked my account and its still locked I am now very frustrated my direct deposit from work is now on hold because I explained to them that my money is just sitting in there so I dont wan na deposit any more I work a hour away and borrowing money from family friends and spending XXXX $ a day on XXXX and XXXX because I dont have the money out my account to get my car fixed to make it to work I have been asking people for money to eat because they will not unlock my account its been 3 weeks and some days my account should not be locked and I sent in my birth certificate social school report card and more. Its a huge inconvenience
Product: Debt collection

Please see attached Both Hospital as well Allied collections could not find a account under my social security number THIS WAS REMOVED ALREADY ONCE NOW SHOWING AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau blocks any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX
Product: Debt collection

The company name is HealthCare Receivables Group.

I woke up one morning to check my bank account. Only to find on my credit report 159 new accounts opened in my name. Apparently they opened debt collection accounts in my name with multiple duplicates. We're talking some charges duplicated as much as 15 or possibly even 20 times. 

Which also inflates the amount owed and makes the amount of credit owed appear greater than it actually is. This is a direct attempt to sabotage my credit after I've told them to stop contacting me. And they contact me nearly daily. Sometimes two or three times a day as well. 

I do not believe these multiple duplicate charges to be " accidents '' they're not being paid, they've been told not to contact, and they break pretty much every single protection that a consumer is supposed to have from being harassed. 

Also when they contact to collect they lie about the nature of the call. 
When you ask what this is in regaurds to they state and this is a direct quote : " It's in regaurds to a personal business matter for ( insert x ) '' Not at any point disclosing this is an attempt to collect a debt. Or even the name of their own company. They don't even disclose that. 

As a result it now looks like I owe 160 creditors and it's 1 SINGLE company. 
It also looks like I owe about XXXX when it's probably more like XXXX. If that even. 

Anyone that thinks about using this collections agency don't. You're literally giving them license to harass your clients. Because that's all they do.
Product: Vehicle loan or lease

On XX/XX/XXXX my lease with Nissan ended ... A month after, Nissan sent me a final bill with a mileage and tax balance of {$3200.00}. Within a couple weeks, XXXX XXXX XXXX ( hired by Nissan ) began calling me to collect payment. Early XXXX I spoke with XXXX XXXX XXXX and Nissan to get confirmation that I can pay XXXX XXXX XXXX directly for my Nissan bill, Nissan approved because the bill was in collection with XXXX XXXX XXXX. After speaking to XXXX again, the option was presented to SETTLE IN FULL for {$1900.00}. I immediately called Nissan to re-confirm ( they record calls, please feel free to check ) that I could pal XXXX and NOT get any negative marks of my credit report. They said if I am agreeing to SETTLE IN FULL, that no negative marks would be placed on my credit report. On XX/XX/XXXX I paid XXXX in the amount of {$1900.00} to SETTLE IN FULL ( I have the settlement letter ).  On XX/XX/XXXX I received a statement from Nissan requesting the remaining balance left after paying the {$1900.00}. Nissan told me to disregard the bill since I settled in full. XX/XX/XXXX, I get an " N '' ( negative remark ) on my credit report from Nissan, as if I had not paid them or I still owed a balance. I contacted them and they placed me on the phone with several people who were clueless to why anything negative was attached to my credit report and nothing has been done. At the time, I was in the process of refinancing my home, and could not because of the immediate and drastic drop in my credit score. Please assist! 
XXXX Acct # XXXX / Nissan Acct # XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Upgrade XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied online for an Upgrade Card at XXXX XXXXXXXX XXXX in response to a promotional offer to earn XXXX SB after you deposit your first {$25.00}! on XXXX 

I met the terms but the SB did not post. 

Now, I respectfully demand that XXXX XXXX XXXX pay the advertised bonus of {$75.00}. 



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

XXXX Credit Bureaus are reporting illegal unauthorized fraudulent transactions and charges from XXXX XXXXXXXX XXXX  as evidence of XXXX police report XXXX and other evidence investigations from, XXXX XXXX XXXX and XXXX and XXXX XXXX investigations and XXXX reports Credit Bureaus ignoring all investigations and continue to report negative reporting on my credit reports from XXXX XXXXXXXX XXXX  illegally repeatedly to clouding with XXXX XXXXXXXX XXXX in reporting negative on my credit reports.
Product: Student loan

I have applied for the XXXX Loan Forgiveness program with Fedloan Servicing since I completed my 5th year of XXXX in a XXXX XXXX. I submitted an application on XXXX XXXX after submitting applications previously because I had to make constant corrections after being denied due to mistakes in the application because of failed communication by the company on how to fill out the application, which is very unclear. I received a letter today regarding the denial of my application which stated that Section 3 was not filled out properly. I have been trying to apply for this loan for quite some time this summer, and I keep getting different information as to what needs to be filled out and what does n't need to be filled out by each costumer service rep that I have spoken to. I went over the application with the last rep who told me how to fill out my portions of the application and how each school needed to fill out theirs. My districts have filled out their sections correctly, but yet my application got denied because they " did n't '' fill it out correctly. In addition, I got another e-mail stating my loans have been put in administrative forbearance. If it were n't for me checking the status online, the company never communicated this to me nor is being clear on how to fix it. I need this to get resolved immediately, and I need to be assigned one person who understands this process. I will not continue to talk to multiple reps who keep changing the rules of this application. I want one person from beginning to end who will make sure that this gets handled properly because this process has been absolutely ridiculous to deal with. I have my application and evidence that I have serviced in XXXX. The XXXX are also listed online. The individuals who filled each application out for me are the same people who have continually filled out this application for other people and never seem to have a problem with it. My XXXX and I do not understand why the application is continuing to get denied when I 'm qualified for the forgiveness loan and everything is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate and inconsistent information has been a problem for me for several years. I have previously made complaints in the past, but nothing has changed. Except for XXXX, EXPERIAN and XXXX credit history information has remained inconsistent for several years. My EXPERIAN and XXXX credit history should be consistent with my correct XXXX credit history.
Product: Payday loan

XXXX Credit Bureau informed me via CFPB # XXXX that Cash Central failed to notify their request for a removal of XXXX Hard Inquires which continues damaging my credit score. 

Cash Central representative XXXX XXXX, ( phone XXXX XXXX send me a letter on XXXX/XXXX/15 stating that a request to remove the XXXX hard inquires was sent XXXX. 

According to the response receive XXXX, as of this date, Cash Central have failed to comply with their request to remove the XXXX hard inquires which continues damaging my credit score. 

XXXX