23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX services provided. One was XXXX application and one was aeration and overseeding. After both of the services, I was dissatisfied and attempted to contact the company. I spoke with someone the day of the second service and they stated they would send out a supervisor but nobody came. 

I placed phone calls to follow-up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also sent emails stating my dissatisfaction on XX/XX/XXXX and XX/XX/XXXX in which I sent pictures of the results that caused my discontent with the services provided. 

I have only attached a few pictures of the areas that I thought were improperly serviced but I do have more that are as just as bad. The service person was at my house for only 15 minutes and was clearly in a rush.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Experian Credit that belongs to my father. I and my father have the same name and some of his accounts are reporting on my personal credit. I talked to Experian representative and also send a mail stating that this account is my fathers but they ignored it and did not send me a full investigation on this account. I need this account to be removed asap. Account : XXXX XXXX XXXX   XXXX
Product: Mortgage

I received an email from our current mortgage provider on XX/XX/XXXX with some small detail of what savings I could obtain with a possible refinance. I asked questions via email and asked to see an application for more detail on how the process works. I viewed an electronic application with only my husband 's name XXXX on it and I did not like the information so I rejected the application. I was asked to reconsider and have my husband call the finance company. I did not respond. On XX/XX/XXXX we received a letter from the mortgage company dated XXXX XXXX XXXX stating an application was submitted and denied. The letter has my husbands credit score from all three credit bureas dated XX/XX/XXXX. I called the mortgage company to speak with XXXX the name on the notice. He is telling me that we submitted an application or inquiry and that the letter is simply an update to how it concluded. I asked why we were getting this now, and he said we get it 90 days after the inquiry. This letter is dated nearly 10 months later. I believe XXXX has and still is submitting credit inquiries on my husbands behalf without his permission and then sending information to us in hopes that we refinance are mortgage with them,
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Product: Checking or savings account

I opened a new access checking account at Citibank around XX/XX/XXXX. I deposited {$25.00} as instructed and set up direct deposit with my employer. Here is the account number. XXXX. On XX/XX/XXXX when my direct deposit is sent out my account was suddenly blocked by Citibank. I spend 3 whole days calling every possible department trying to get the account unblocked. I was told my phone is unverifiable and the only way is to wait 2 weeks for a letter from Citibank. By Friday I had bounced two payments one of which read to the IRS. I CALLED 3 more times that day and was told my deposit was returned to my company payroll. Today I called citibanks executive response unit again to speak to my account manager. She now told me my deposit is in my blocked account and there is nothing they can do til I get their letter. Here is my case number XXXX. Please help. I will have my cell XXXX and WiFi turned off by the end of the week
Product: Debt collection

On XX/XX/2022 Midland Credit Management Inc filed a lawsuit against me in Superior Court. Until I was served the lawsuit documents I had no idea this debt collector existed as they did not properly notify me that the debt was owed. The Debt Collector violated 15 USC 1692g in the way they did not notify me of my rights or provide me with the initial notice of my right to dispute the debt. I did not receive any notice until after the lawsuit was served on me which did not contain any of the required information. That notice also did not contain any information regarding my rights as a consumer as set forth by the FDCPA in regulation F.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent experian 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my XXXX  XXXX   account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX
Product: Vehicle loan or lease

I paid off my car note weeks ago, but I can't sell it because Kia Finance refuses to provide timely evidence of my loan repayment. I attempted to reach Kia Finance on XX/XX/23 to obtain written confirmation that my loan has been paid off. They have an automatic system that generates an unsigned letter. That is not acceptable evidence to anyone. I've spend the better part of three days attempting to communicate with them via telephone. A majority of my calls are dropped while I'm on hold, after waiting upwards of 20 minutes. When I finally reached a human on XX/XX/23, I was first a lien release had already been sent to my Secretary of State and that a copy would be emailed to me. It never arrived. When I called to follow-up the next day, I was told they have a policy against emailing such copies. After elevating to a supervisor, which took several more calls, I was told that a lien release had been mailed to me. I indicated I couldn't wait for the mail, and finally it was offered ( never before ) that it could be faxed. I provided the fax number on XX/XX/23 and was promised the fax would go out at XXXX the following morning when the notary was in. I called at XXXX and was told there was no record of the fax request or fax number, and that it takes 7-10 days to provide a lien release. I was told that if I ordered the fax, they would expedite. I called this afternoon ( XX/XX/23 ) to see if it has been faxed, and it has not, and the supervisor I spoke to again indicated that they would try to get it done today. The amount of time I have wasted -- several hours over three business days -- is ridiculous. My sale of this car will likely fall through, and I have no evidence that Kia Finance has followed through on a single one of it's promised actions. I have requested further escalation, but am told each time that the supervisor I'm speaking to is the final escalation but no ability to do anything other than submit a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC identity theft report to be sent to XXXX, XXXX, Experian, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit card

On XX/XX/XXXX, at XXXX XXXX, I woke up to a text message from Chase sent at XXXX XXXX, informing me that my account had successfully logged into a device and updated the password. I immediately checked my account and discovered that all my Chase Ultimate Rewards points had been redeemed without my authorization. Specifically, XXXX points were transferred from my Sapphire Preferred card to XXXX XXXX XXXX XXXX, XXXX points were transferred to my XXXX XXXX XXXX, and XXXX points were redeemed for {$500.00} cash. 

Additionally, I noticed an unfamiliar device listed in my account via the mobile app, which I promptly removed. I then changed my password and contacted Chase customer service to report the unauthorized activity. Chase confirmed that my Ultimate Rewards points had been stolen and assured me they would restore the points. They quickly canceled the {$500.00} cash redemption and returned XXXX points to my account. Chase also assisted me in updating my username and password, sent new Sapphire Preferred and XXXX XXXX XXXX  via express mail, and promised to restore the remaining XXXX points within 7-21 days. 

On XX/XX/XXXX ( day 15 ), I followed up with Chase regarding the restoration of the points, and they informed me that the process would take the full 21 days. However, on XX/XX/XXXX ( day 22 ), I received a letter from Chase dated XX/XX/XXXX, stating that they had decided not to return the stolen XXXX points.
Product: Debt collection

XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my credit file that Im behind on payments for the loan of my previous RV. I sold the RV back in XXXX of XXXX. They have received payment from the buyer and yet they are still reporting it open and that Im behind two months. It is destroying my credit score. They still have not closed the account.
Product: Debt collection

I received a debt collection notification from Portfolio Recovery Services in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " XXXX. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When Portfolio emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " XXXX. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

Portfolio followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

Portfolio is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was supposed to handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.
Product: Student loan

I enrolled with XXXX XXXX for a year and I made payments every month but I just found out that none of my payments were going towards the loan. XXXX XXXX student loan forgiveness program made false promises that I could permanently reduce my XXXX monthly payments, they charged me illegal upfront fees. They also told me that my fees would go toward their student loan balances, which wasnt true.
Product: Debt collection

I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692a ( 4 ) Congress defines creditor as any person who offers or extends credit creating debt. 
Due to the fact that I extended my credit to you using my credit card ( social ) I AM THE ORIGINAL CREDITOR! Not you. You are a debt collector. Congress used the word PERSON, not corporation. This immediately rules out the possibility of you being the ORIGINAL CREDITOR. Bankruptcy laws and other case laws through Supreme Court title 12 USC banks cant lend credit.

Pursuant to 15 USC 1692a ( e ) Congress defines person a natural person or organization Pursuant to 15 USC 1692a ( 6 ) Congress defines debt collector as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attend to collect, directly or indirectly Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I need assistance from your agency. 

On my Equifax credit report, a collection agency by the name of XXXX XXXX XXXX XXXX, has placed a fraudulent {$64.00} medical collection onto my credit file. 

This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 

I do not owe this fraudulent debt, and I want it immediately removed from all of my credit files, from all of the credit bureaus. 

About 8 years ago this collector did this same thing through Equifax, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known. 

This collector has placed medical collections onto my credit files, for a deceased person by the name of XXXX XXXX, along with addresses that I do not know, nor have I ever lived at. 

They have had Equifax, along with the other credit bureaus to add a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to my credit file. 

I have never lived at this address, nor do I know anyone there. 
I want this fraudulent address information removed from all of my credit files, as well as the medical collection that I do not owe, and is not mine. 
. 
On top of damaging my credit rating with a debt that isnt mine, this collection agency is breaking Texas statute of limitations law. 

The collector claims that this debt from whomever, became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX, a 6-year-old medical debt, violating Texas law. 

As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that that has been done. 

Equifax has to do better ; they have allowed this collector to wrongfully ruin my credit in the past. 


cc : Attorney Generals Office cc : The Federal Trade Commission
Product: Credit reporting 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 has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, XXXX and Equifax has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, Equifax and XXXX. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, Equifax XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX Act under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XXXX XXXX and XXXX , Texas Federal Judge Discharged on XXXX XXXX and as I view my credit report XXXX, XXXX and Equifax was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  Pre.owned Auto.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures