23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, a company known as " Northern Resolution Services '', XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, called my cell phone from an anonymous number, and left a message. The message stated that the individual was going to " issue legal documents to my home or place of employment '' and to call " XXXX '' to rectify the situation, leading me to believe they were some type of process server. Upon calling the number, I was told that they were trying to collect a debt in the amount of {$2300.00}, for a company called " XXXX XXXX XXXX XXXX ''. They wanted me to pay them via credit or debit card over the phone. I requested that they send me verifiacation of the debt, which has not happened. Upon calling " XXXX XXXX XXXX XXXX '', that company confirmed to me that I once took out a {$350.00} loan from them in XX/XX/XXXX, and that loan was paid off completely, in it's entirety, over two years ago. They also recommended that I not give the " debt collector '' any money or information, and that they would be willing to verify my information to any law enforcement agency or government agency that inquired, that the " debt '' does not currently exist, nor did it ever in the amount specified by " Northern Resolution Services ''. This company has numerous complaints against them online for the same reasons, and also has an extremely similar name and geographic location as another company, called " Northern Resolution Group '', that was fined and shut down by the New York State Attorney General for similar illegal debt collection activities. Upon confronting the company via phone, they denied any wrongdoing, and refused to discuss the situation any further. I have both the message left on my phone, as well as the subsequent phone conversation with " Northern Resolution Services '' recorded, and can make them available to you if needed.
Product: Credit card

Chase XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to Chase Bank and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus and Chase is saying that this account is valid which is incorrect.
Product: Debt collection

I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in  California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX I been banking with your bank since XXXX. I had over half a million dollar in my account. I visited the XXXX office to do a transaction in XXXX XXXX. The banker took a copy of my green card and my social security office which I never understood the reason why she asked for them. Few days After I received a phone call from one of your an unethical banker from the XXXX office to apply for a credit card. I informed the unethical banker that I dont have a need to have a credit card. She informed to please get the card so she can meet her goals. I agreed to apply for regular credit card not secure card. Shortly after, I noticed a withdraw for {$5000.00} from my account. I immediately called the bank and said they applied for a secure credit card. I informed her I never agreed for the secure card. She apologized and asked me to keep the card. I never received my Wells Fargo credit card. I dont reside in the states and dont understand their system. On our last trip to USA I discovered that I am on bad credit when I applied for my son for student loan to go to XXXX XXXX. The banker asked me to pay for the card to not get my credit report damage further and instructed to file a fraud claim. I filed a fraud claim and police report over a month and half ago. No solutions been accomplished yet. I would like to bring to your attention that we were out of the country during the whole period of the card being used. Please find attached a copy of our passports and tickets. The attached documents prove that we spent from XXXX XXXX to XXXXXX/XX/XXXX in the USA. Our next trip to USA was from XX/XX/XXXX tillXX/XX/XXXXXXXX. 
My Social Security Number is XXXX. My husband by name of XXXX XXXX XXXX XXXX also encountered the same fraud from the same banker and bank on the same day. His claim was approved and my claim was declined. 

XXXX, the times we spent in USA throughout our lives were as follows ( as proved by the documents ) Mon XXXX XXXX XXXX Till Fri XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX XXXX XXXX XXXX till XXXX XXXX XXXX As you see from the pattern of our travel, we spend around15 days in the USA every 6 months
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 15 U.S.C 1681 section 602 A. Stated 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 consumer report containing any of the following items of information. Any other adverse item of information, other than records of 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 or other personal consumer reports

To Clarity Services : I have sent a certified letter informing you that the information you have on my credit file is inaccurate ; I have yet to get a response and I have disputed this information back on XX/XX/XXXX, it is now XX/XX/XXXX and you have not updated my file. 
Reference # XXXX Home Address : The only address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( Never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there- that is a business address Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my XXXX XXXX XXXX Please delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not mine ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Cell Phone & Home & Work Phone Numbers : Please delete XXXX, XXXX, XXXX ( not my numbers ) Please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..Not my work numbers Personal Name : ( Personal Information ) My name is XXXX XXXX XXXX 
Please delete XXXX XXXX XXXX Date Of Birth : ( Personal Information ) My date of birth is XX/XX/XXXX Please delete XX/XX/XXXX, and XX/XX/XXXX those are not my dob.

Driverls License Number and State : Please delete XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( those are not my license numbers ) Email Addresses : My email is XXXX & XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX XXXX Information : Please delete the following because I've never worked for any of them : Please delete XXXX XXXX XXXX  ( never worked there ) Please delete XXXX XXXX and XXXX ( Never worked there ) Please delete XXXX XXXX ( Never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete Retirement/Pension ( never worked there ) XXXX XXXX XXXX XXXX  ( never worked there ) XXXX XXXX XXXX ( never worked there ) Banking Information : Please Delete The Following Bank Routing XXXX, Acct XXXX Bank Plus, not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX not my account Routing XXXX, Acct XXXX XXXX XXXX , not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX XXXX XXXX , not my account
Product: Mortgage

On XX/XX/XXXX the office of commissioner 's insurance and safety fire, for the trailer purchase through XXXXXXXX XXXX with Vanderbilt mortgage on XX/XX/XXXX and installation date was XX/XX/XXXX. A month after moving in we started having multiple problems that was at their fault to be fixed.so they never came I had to go through fire marshals office and they came and found XXXX serious violations that was trailer dealer/manufacturers fault. The installers didnt even have a license to install trailers.So in XXXX I had to file bankruptcy. I hired a lawyer who was taking payments that I thought were for mortgage and assets. Well he wasn't doing that so now I'm 4 months behind and instead of fixing there mistakes they are trying to foreclose and take my land and home.i hired a lawyer in XXXX to sue XXXXXXXX XXXX but I need to catch up my payments to do so. They're trying to foreclose before I catch payments up so I can't pursue them fixing they're violations.
Product: Credit reporting or other personal consumer reports

You are reporting an account that is not mine on my credit report. I sent a dispute letter and affidavit to the credit bureaus and the creditor on XX/XX/2023 which was over 8 months ago. XXXX was the only credit reporting agency to remove XXXX XXXX XXXX. Please be advised that this matter is being handled by a firm, and my lawyer is currently reviewing the situation to ensure that all appropriate legal actions are taken. I kindly request that you update your records to reflect the accurate status of this account and cease reporting it under my name. Please see the attached dispute letter, which is dated, and time stamped and remove this account pursuant 15 usc 1681a.
Product: Debt collection

Someone used my social security number to purchase a cell phone from XXXX and Left a bill for over XXXX XXXX dollars there is a XXXX XXXX dollars amount on all three credit bureaus this is not my debt, sincerely yours XXXX XXXX XXXX XXXX
Product: Consumer Loan

I returned a lease ( XXXX XXXX ) XX/XX/XXXX, the car was sold at auction XX/XX/XXXX in XXXX. The plates were never returned to XXXX by the XXXX XXXX dealership, when the car was sold it appears the plates were still with/on the car. XX/XX/XXXX, I received a parking ticket for the vehicle that I have not owned for 3 years. After contacting the leasing company they issued me a letter stating the above so the court ( XXXX, NJ ) would dismiss the ticket. Separately I contacted XXXX via their Customer Advocacy Office in XXXX, requesting them to mark the plates as lost. They declined indicating I was no longer listed as the owner ( even though the plates are still in my name ) and that request has to come from Infiniti/Nissan. After weeks of back and forth calls with Infiniti/Nissan, they said they will only provide the previous letter issued and advised I should report the plates as stolen. Technically the car was not stolen, but the license plates are being used illegally. I was told Infiniti/Finance checked with their legal department and declined my request, I asked to speak with someone in that department and was told they would not speak with me. I spoke with an attorney and she advised filing a formal complaint as Infiniti is clearly at fault for not returning the plates, or catching that they were still on the vehicle when it was sent for auction. As this was my first lease I did not know that I was responsible for returning the plates since the plates were sent to the dealership upon my purchase of the vehicle. Infiniti finance has closed the door on assisting, when all XXXX is requesting is one sentence be added to their letter. I even checked with the local police department to see if they can assist and they advised it was the responsibility of Infiniti to work this out with XXXX.
Product: Debt collection

I updated my information. The debt was charged, paid off years ago. I paid off the credit card myself. I am no longer employed now for 7 years. They say on the site i am still working which is untrue. I dont live at those addresses on the site, they say i do. The information is all untrue. Please remove the old debt off of the credit bureaus from all three. XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX  XXXX XXXX was paid off by myself on XX/XX/2022. 

Related Foreclosure Complaint Dismissed the next business day XX/XX/2022 by XXXX. 

In Florida, in a case Dismissed by the Plaintiff, the Defendant is considered to have prevailed. In such cases, the Plaintiff is not entitled to " Legal, or Attorney, Fees '' from Defendant. 

In this subject case, XXXX XXXX Nationstar Mortgage, d/b/a Mr. Cooper, listed a mere {$200.00} for " Legal Fees '' on the Loan Payoff Statement, but {$26000.00} in " Corporate Advances ''. A subsequent revelation supplied by Nationstar showed that {$25000.00} of that " Corporate Advances '' was actually for " Legal Fees '' after all. 

On its face, this would appear to be deceptive and an attempt at fraudulently " hiding '' improper fees on one line, and listing small, easily repaid fees on another line.
Product: Checking or savings account

XX/XX/XXXX of 2024 CITI Bank decided to close my bank account with no warning and or explanation. I have reached out multiple times to CITI Bank employees via phone call same day XX/XX/XXXX of 2024 at XXXX, next morning XX/XX/XXXX of 2024 at XXXX. I was given no explanation of reasoning to why my account has been disabled and blocked. I have been denied access to my mobile Citi bank app as well. XX/XX/XXXX of 2024 at XXXX I have contacted CITI Fraud Service line and wasnt given any information as well. Did not receive any physical mail/ letter, email and or phone call to why Citi has denied my account and funds.
Product: Credit card or prepaid card

Upon returning from a work trip to Florida, I noticed my card balance was much higher than anticipated. I immediately contacted capital one to notify them of the unauthorized charges and I was told they would submit the claim. In a matter of days I received a letter in the mail stating nothing more than we've determined you or someone you know benefited from the card. I contacted the company again when I was getting ready to make my payment since I would be making a payment for the balance less the unauthorized charges. I spoke to a Fraud dispute manager by the name of XXXX ( XXXX ). While speaking with XXXX I was placed on hold for roughly 45 minutes while she attempted to contact the adjuster who handled my issue. She was unsuccessful in getting in touch with them so I asked how the determination was made to confirm the charges were authorized. She explained that they confirmed the card was present on all but 1 of the 7 charges. I asked how they could possibly confirm that my card was present at the time of the purchase to which she stated our system just knows. I asked if there was any other proof confirming that without a doubt the card utilized was in fact the card I had in my possession. She stated there was nothing further she could provide but would have someone contact me back within 24-48 hours. I requested she place the charges into a dispute status as the charges are still being disputed by me to which she stated she could not do that. 

I am able to confirm my whereabouts during the times these transactions were completed which I explained to her but she did not acknowledge that statement. 

These charges are unauthorized and I do not believe a reasonable investigation was completed on my dispute as I am 100 % sure I did not complete these transactions and I do not believe capital one has proven otherwise. I requested any details surrounding their decision but was told I would be receiving nothing further than the letter stating I was responsible for the charges. 

I would appreciate some assistance with gaining access to the details of their investigation so that I may determine my next steps. 

I have no issues paying for the transactions I completed but I do have an issue with this company attempting to take advantage of the working class to continue lining their pockets.
Product: Credit card

I purchased a Washer and Dryer from XXXX on XX/XX/2023. I purchased appliance installation on both units, as well as old device haul away for the dryer. XXXX sub-contracts delivery and installation to a company called XXXX XXXX. The date of delivery came and the delivery went smoothly, however the company removed from my home my old dryer ( like I paid for ) but also took my old washer ( specifically did not ). This washer was almost brand new as we had just purchased the home and was replaced by the previous owner. I was not home for the delivery. They also were unable to install either appliance and had me schedule a plumber and electrician to come out with no assistance. The two services that were added onto the purchase were both not fulfilled in the manner they should have. I reached out to XXXX immediately and they said they had already disposed of my working washer that they should not have removed. I got on a XXXX live chat and they said they would solve it with XXXX. I reached out to XXXX again and they said that my issue was with XXXX and they would not be able to provide any further assitance. I got on another live chat with XXXX and they said they would investigate how to get my washer back from XXXX even though it was disposed of. XXXX then said that it was an issue for XXXX to handle internally and they would provide me with an update. Needless to say, both companies want to push the blame onto each other and are leaving me with no resolution. I then contacted Chase as I paid using my card in case anything like this went wrong. I know I have a disputable case as XXXX has clearly not provided the services that were purchased, and have not taken accoutability for the taken property ( washer ). Chase said the original transaction was valid ( I don't disagree ) and there is nothing they can do. I re-opened the dispute as they offer dispute options for services/products not received/as advertised, and again Chase sided with XXXX saying that I willingly chose to purchase and that the original transaction was valid. 
My purchase total was {$1200.00} and my card processed the transaction on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am avictim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Debt collection

I called and made a settlement payment to Westlake Financial of {$3200.00} on XX/XX/20. As of today, XX/XX/20, I have not been able to get anything in writing that the account was settled, nor have they updated to the bureaus this account is paid. On XX/XX/20, I received an letter that confirms the settlement agreement ( mind you this is two weeks AFTER I already made the payment ). I have called multiple times and keep receiving different answers but none of which are, we are mailing or emailing you a {$0.00} or settled in full letter. It has now been 45 days since I made the payment and when calling today, I was told on a recorded line that Westlake Financial will NOT be sending me a letter confirming the account was paid or settled. That I would just have to wait for it to update with the bureaus. This is causing me to not be able to close on my new home this week on XX/XX/20! I just have to provide the lender something in writing from Westlake Financial confirming the account having been settled and now having a {$0.00} balance.