23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a pending {$6100.00} dispute w/ Citi Bank involving XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I hired this company to do general contracting work to my home including electrical and plumbing. A month into the project, after the work was not done -- and the contractor had XXXX volt electrical wires outside my home taped together w/ masking tape -- sewage running under my home w/ no plumbing -- and left me without water for days -- indicating they did not know how to do the plumbing for the hot water indicating they were not a plumber -- I discovered the company was actually not a licensed contractor and terminated them. They came and retrieved all of their materials and tools on XXXX XX/XX/2022. None of the work was completed and significant damage was done to my home. 

Despite providing this information to citi, along w/ documentation from the licensing board showing it was illegal for this company to accept any of these jobs or perform any of the work -- they did not resolve the dispute in my favor, claiming they needed more information. 

I provided them the contract, the receipts, photographs of the damages, documentation showing the company was not licensed, and copies of the owner 's approximately XXXX prior arrests -- -including arrests involving his illegal work. I also included proof of negative reviews of him doing this to multiple other people. 

I disagree w/ their dispute process. This individual is not licensed to perform this work. Not only did he not perform it, but he did extensive damage to my home. Citi should not be siding w/ criminals and criminals should not be paid for their illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on Transunion dropped 41 pts onXX/XX/21 for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of XXXX  and Transunion, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) Transunion score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the Transunion report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for Transunion monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my XXXX  report, but after the experience with Transunion, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at Transunion and " Good '' at XXXX. Heartbreaking.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  XXXX XXXX : {$780.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX  XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a problem with Experian, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XXXX of XXXX, I signed up for a XXXX XXXX " XXXX '' Visa credit card. I used the card normally for XXXX years. 

In XXXX of XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XXXX of XXXX, XXXX XXXX had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for XXXX XXXX to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted XXXX XXXX and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, XXXX XXXX marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX  XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and XXXX XXXX ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX  XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about 450. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of the thre bureaus, but not Experian. Experian acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted Experian over the phone, and today signed up for an account on their website so that I could document their refusals. Experian maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.
Product: Credit card or prepaid card

A dispute for {$64.00} was denied by PayPal even though XXXX, ( company who was paid the {$64.00} representing XXXX XXXX ) offered to allow me to get {$64.00} credit merchandise. The denial came today, Wednesday, XX/XX/2019, about 2 hours after I had called to see the status. XXXX XXXX offered services that they could not and did not provide. Also, the test results were very wrong according to my medical reports. All of XXXX XXXX  customers appear to be told that the XXXX XXXX and the XXXX test does not show ; however, this maybe because they do not have the capacity to perform these test ; thus false advertising. XXXX is offered on XXXX via XXXX, Texas then shipped to the XXXX. Everything is very " off '' concerning this XXXX offer. I shared with PayPal that I had my own test results and that the company was doing false advertsing. PayPal told me to wait to send additional information but denied the claim without the additional information. PayPal fax number is not working at least in the PayPal Credit Department. PayPal failed to protect me from dishonest XXXXXXXX. The results conflicted with other lab results. This appears to be a big rip off in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$13000.00} XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a Life Insurance policy with XXXX XXXX XXXX XXXX in response to their solicitation. On XX/XX/XXXX I received a response letter from XXXX stating that they were unable to offer me a policy because of information contained in my MIB report. Knowing full well there could be nothing adverse, I requested, per the instructions in XXXX 's letter, a Consumer file from MIB. ( MIB Reference # XXXX ) .I was particularly interested in this report because I had been denied from 2 other applications - the reasons which were not offered. XXXX was the only company that gave me the MIB contact information. On XX/XX/XXXX I received the MIB report which clearly illustrates my being denied any insurance coverage from XXXX or the other applications. On page 2 of 6 of the report : " Reporting Company Name : XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX XXXX XXXX. Under treatment, not XXXX. Information obtained from licensed physicians or medical practitioners, hospitals, clinics, or other medical or medically related facilities. Within 3-5 years of application. " The " XXXX XXXX '' was from a work related accident where I XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This was in XX/XX/XXXX. My very last visit with regard to any XXXX was to my XXXX, XXXX XXXX XXXX was in XX/XX/XXXX, at which time his record indicates all issues are resolved and no further treatment required. This entry in my records indicating a " report date '' ( XX/XX/XXXX ) clearly make it appear that is when this condition was present. Further proof that this error is still causing problems would be my appeal letter explaining this to XXXX AND then receiving their denial again of a policy because I have a " XXXX XXXX ''. They obviously did not even read my letter of explanation. So yes, I am very upset and feel this is misinformation on my record causing me to be unable to obtain the desired life insurance policy for my children 's benefit. In all fairness to XXXX they did offer to extend me the opportunity to have a complete physical and obtain a policy at a competitive rate. This is a nice offer and I may just have to take them up on it to prove my excellent health, but the fact that my file contains inaccurate information that needs to be corrected is my priority as I am sure you can appreciate.
Product: Credit reporting or other personal consumer reports

Contacted Equifax Customer Service at XXXX @ XXXX XXXX  on cell # XXXX ( on recorded line ). Inquired to additional service charge monetary fee to landlords to generate " Tenant Screening Report & or Eviction/Criminal History. '' I have Equifax Credit Report account. This is an additional service I would have to request through Equifax Rental Screening Services as is not an included feature/service of my account. However pursuant FCRA regulations I have the right to request & obtain this information from Equifax & any other Credit Bureau/Consumer Repoting Agency etc.. In order to dispute, request correction/modification, notation, submitt related documentation. Also to request dispute information/disposition, submitted documentation/statement etc. be included & forwarded with future requested reports/inquiries by a 3rd party. Customer Service Representative was not knowledgeable, comprehensible etc. regarding information requesting. Right to request & obtain for dispute purposes pursuant FCRA regulations. Request call reviewed for quality & training purposes. Request assistance in obtaining afore requested information so can execute rights pursuant FCRA to dispute, correct, modify etc..
Product: Prepaid card

XX/XX/year> XXXX I received a call from a guy saying he was a representative of XXXX XXXX doing calls because they have been getting complaints that drivers are letting other people use their accounts to do deliveries. 

At the end of the day somehow he used a XXXX XXXX to get into my account and steal {$60.00} from me and a {$2.00} fee to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking XXXX. Please delete at once. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX XXXX  Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Berlin-Wheeler failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code.

Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it.

Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party.

( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party.

( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. 
( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) This collection agency is reporting on XXXX, XXXX and XXXX.
Product: Credit card

Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove the following account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX - ACCOUNT BAL {$15000.00} - CHARGE OFF ACCOUNT WITH OPEN DATE XX/XX/year>. ACCOUNT HAS BEEN CANCELED AND XXXX. WILL PRESENT all 1099Cs for debt cancellation.

As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Debt collection

NO PP/ NO PERSONAL GUARANTEE XXXX ACCOUNT FOR LLC BUSINESS XXXX  XXXX XXXX XXXX XXXX I HAVE NO SIGNED CONTRACT WITH XXXX, NOR THIRD PARTY DEBT COLLECTOR MONARCH RECOVERY MANAGEMENT, DEBT WAS PAID ALREADY SUBMITTED1099A & PAYMENT LETTER, DATED XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.