23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Somehow I owed approximately {$94.00} to an old electric company. I have not been with the company for almost 3 years and was not notified of the amount still owed. 

I had payment arrangements with Express Recovery Services and stopped paying them regularly when they notified me of the additional charge from the XXXX XXXX power company. On XX/XX/2019 I contacted them concerning my bill and the extra charge and requested on two separate occasions that I be sent a statement on this bill and where it came from and for when the charges had occurred. I did not receive any imformation. 

On XX/XX/XXXX I received a bill for the above mentioned electric bill AND for another charge for XXXX XXXX XXXX for which I have no records of even having a bill with them. I still have not received the statements for the power bill. 

Prior to the incident in XXXX I had been paying on a medical bill from the XXXX XXXX XXXX Hospital that I was not able to pay prior. However, once I began receiving these additional bills I stopped the auto-payments and have not made additional payments to the account as I am still waiting for a detailed payment statement to arrive. All I receive in writing from them concerning the amounts that I owe are the companies they are claiming they bought my debt from and the amount and interest. There is no further information to protect me so that I know these payments are legitimate. No account numbers, no dates, nothing. I am also not getting accurate information from the individuals I am speaking with on the phone and they are clearly not taking accurate notes and not sending me the proper information. 

Today I received a threatening letter from the XXXX XXXX of XXXX XXXX XXXX stating if this was not disputed and paid they would send this to have a judgement placed. 

The ONLY written correspondence that I have received from the company are the attached documents. None of which answer my questions as to what I owe and why. The employees I spoke to we're XXXX and XXXX both of which informed me that sending documentation wouldn't be a problem. As you can see from the uploaded documents the statements do not provide enough information for me to know where these bills came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605 B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, requested account be removed from my reports card was not mine I did not agree to be a user or signer took 3 years to get anything done Dicover Card XXXX limit was not my account was fraud
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 Balance XXXX {$0.00XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Company is attempting to charge a {$1100.00} tax fee on a vehicle used for personal use. The company mailed documents ( affidavit ) to the wrong address even after, i called and emailed them on numerous occasions requesting that they update the mailing and billing addresses. Now they have assessed this large fee to the account and state that it could take them up to 6 months to remove. I can not wait this long. They acknowledge receipt of the document and still refuse to remove the charge.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX they told me it was off my credit report and it never was removed at all
Product: Vehicle loan or lease

Hello, back in XXXX I called Chase Auto Finance to settle the remaining balance on my XXXX XXXX XXXX. Before we proceeded with the call, I was told I was on a recorded line. I talked to the representative who was handling my file. All of my files had been transferred to their credit processing center. On a previous call the representative told my husband and I that Chase was willing to settle for half of the amount owned on my auto loan in exchange for the title of the vehicle. In XXXX I called to settle gave the representative my bank account info and the money was processed out of my checking account. I took more than 30 days to receive my title for my car. To make matters worst, I check my credit report Chase did not report that my account was settled/paid. It still shows me owning a balance, and they updated my report and re-aged my account!! This is not right nor is it fair! I called to speak with them about my situation and all I got was " I do n't handle that ''. I called Chase trying to at least settle what I could afford to move on. I 'm rebuilding my credit and having this on my credit reports hurts my chances of getting approved for any future products and services. I have attached my bank statement reflecting the payment to Chase Auto Finance
Product: Credit card

My credit card provider ( Discover ) asked me to sign a 4056-C IRS form using their XXXX service , which I did and I have a confirmation email showing that I signed it within the requested 5 day period ( before XX/XX/XXXX ). I signed it on XX/XX/XXXX, I was not contacted about it again until XX/XX/XXXX, in an email in which they said they had not received the form... 

However, the email said the following, verbatim : " Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. " ... 

They indeed did not provide any other follow-up communication... given that I have no other emails, messages, or phone call attempts- and given that I had already provided the consent on the same day they sent it ( mind you, I have a confirmation email that I sent it )- I did not contact them as they explicitly said it wasn't necessary... 

It is now XX/XX/XXXX, and I call in to their service line as I notice that I'm unable to use my credit card... 

After being transferred a few times, they tell me they haven't received it and my account is pending closure ( because they apparently have no record of receiving the form ) - and will likely close and their is nothing they can do about it. They are going to report my account to the credit bureau even though I did everything they asked of me promptly. I ask to speak to the supervisor but she refuses telling me they have no process and she's the end of the line. After becoming a bit audibly frustrated ( I never cease to be cordial, albeit I did get a bit upset-sounding ) - she tells me " we're going around in circles '' and promptly disconnects the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX XXXX Bank regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
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. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 aa consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

I have two hard inquiries on my credit report I never authorized too XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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/year>
Product: Money transfer, virtual currency, or money service

I opened a account with Chime bank & set up direct deposit from my unemployment account. The next day after my direct deposit was applied to my account chime closed my account and said was closed and they told me that I could not get my money back because of fraud I committed on the account. Which is not true everything matched name, ss #, and unemployment benefits. They closed my account to steal my money.
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Access to my funds like trustmark national Bank I have account with em I can't withdraw my funds I can't get into XXXX XXXX XXXXXXXX XXXX XXXX all other banks I'm having problems with
Product: Vehicle loan or lease

I have a car with Wells Fargo Dealer Services. It has been charged off and before the account was closed I received several refund checks due to payment posting issues and funds not due. But I still owe $ XXXX and continue to get refund checks. I have called several times to get this issue resolved but they say I still owe them money. I am not paying them anything else. This need to credited and they need to send me the title for the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

Im having an issue with Citi Bank credit card. My credit reports are reporting negative because the payment did not process for multiple months through their system correctly. I dont know what happened. 
I paid my Citibank card in full and closed the card through the phone in XX/XX/XXXX. This 1st associate confirmed with me on the phone that it was paid in full and my card and account were closed that day. 
However, on XX/XX/XXXX Citibank called me again and a 2nd associate told me that I didn't pay my card yet and that it was still open. I told her that 1 month ago, I gave the 1st associate my bank account information to process the payment in order to pay the credit card in full and to close it. I told this 2nd associate that the 1st associate confirmed with me that it was paid in full and on time. The card was then closed. I was confused but this 2nd associate telling me she couldn't do anything about fixing it or removing this processing error on their side. I was upset because this 2nd associate said it was not paid so I had to go through the payment process again. According to Citi Bank, it was finally paid in full and the card and account were closed. However, it is counting as a few late payments because the payment processing didnt work. I have attached my bank information showing XX/XX/XXXX was the last payment for this card of {$80.00}. I have also attached my credit report. The credit report doesnt make sense because it says I was late XX/XX/XXXX+ XX/XX/XXXX+ XX/XX/XXXX+XX/XX/XXXX. How can I be late? I paid this credit card off again the second time on XX/XX/XXXX? There are no payments to Citi Bank from my bank accounts over any of the those months.
Product: Checking or savings account

OnXX/XX/2021. Igot a call from Chase Bank asking if I authorize a transaction of {$9000.00}? I said no. They asked for my account number I told them I would call them back. I went into my account and seen someone had gotten into my bank accounts and made 4 transfers of {$25000.00} from my business and personal accounts. After going back and forth with the bank. They are telling me that I purchased a new device requested a 1time pin from the bank and made those transfers. I have not bought a new device and didn't make those transfers. I have also made a report thru the sheriff 's office in XXXX XXXX. Please help that is my retirement!!!!
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft stolen identity fraudulent account This account was deleted from my credit report then added back onto my credit report this account was deleted two an gets added back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount XXXX Opened XX/XX/2015 The creditor also changed its name to the XXXX XXXX XXXX and but this account back on my report This account does not belong to me I never applied for credit with this creditor Experian sent me letters saying the account was deleted from my credit report and sent me online dispute results showing the account was deleted from my credit report but then add the account back to my report after it was deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not resolved my concern. XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an alleged debt that I am not claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have already reported XXXX as unauthorized. On XX/XX/2018, a new charge came through again on my account after they reversed the charge from 2 weeks ago they resubmitted it again and the bank processed the charge. Again, I have asked them to reissue me a new account and have not heard anything. I also complained about XXXX deducting from my account and told that it would be reversed and have not heard anything but was accessed ( 2 ) OD charges in the amount of {$72.00}. This to me is unfair and unfortunate on my behalf. I need this credited back into my account and no further XXXX or XXXX transactions honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/2023 Ive noticed fraudulent accounts XXXX XXXX XXXX XXXX Amount owed XXXX $ XXXX List of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

I first had my loan serviced through XXXX XXXX, and when I found out about XXXX, I was employed through the XXXX Department XXXX XXXX XXXX. I was hired on XX/XX/2016, and made about a year of qualifying payments since the hire date. I then applied for XXXX, and was advised my loan servicer will be changed to XXXX, but was advised that the qualifying payments I had made being employed by XXXX to the XXXX XXXX-serviced loans would qualify towards my total. 

However, the story has changed. Now I'm being told the year+ I had made qualifying XXXX payments would not count towards the total, and for some reason my qualifying payment total keeps being reset to XXXX. I have made about XXXX payments thus far while being under XXXX, yet my number of payments is still XXXX. It seems like I have not made any progress towards XXXX at all, even after making payments while being employed under XXXX for more than XXXX years now.