23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Years ago in 2014, I went to XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXX, Ca to get a variety of things done to my XXXX, one of the most expensive things being XXXX XXXX. However, after several visits to the office the XXXX  there was unable to successfully XXXX  the XXXX onto my XXXX which i'm sure they should have records of the visits and many attempts to complete the procedure. During this time i was told my management at the time the i would not have to pay for treatment that was not successfully rendered. Shortly after there was change of management and then shortly after that this entire location was shut up down. Since then i had been receiving bills in the mail for the services that were never rendered i reached out to corporate head quarters more then once. And it seems as though this nightmare will not go away. It is clearly evident if you look in my XXXX  and review the records on file that the XXXX were not successfully rendered and this location had a history of not performing well which is probably the reason for the shut. can someone please investigate. I should not responsible for paying for this debt, it has been having a negative impact on my credit for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX XXXX XXXX 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

The Annual Credit Report, blocked me from Disputing, Viewing, and Security Freeze on my Annual Credit Report, the individual that I spoke to on the phone at : EXPERIAN HUGE UP THE PHONE ON ME, WHEN I STATED THAT I WANT TO PUT AN SECURITY FREEZE ON MY EXPERIAN CREDIT ACCOUTANT, AND THE CUSTOMER SERVICE PERSON ON XX/XX/2019 STATED THAT HE WAS NOT HELPING ME PUT SECURITY FREEZE ON MY CREDIT REPORT, BECAUSE HIS WIFE STOLE MY IDENTITY. XXXX  BLOCKED ME FROM ACCESSING MY CREDIT REPORT, AFTER I SPOKE WITH EXPERIAN, IT WAS AN DOMINO EFFECT, AND I HAVE BEEN BLOCKED FROM ACCESSING MY OWN CREDIT REPORT WITH XXXX, EXPERIAN, XXXX, BECAUSE : EXPERIAN LOCATED IN XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX, THREATEN ME AND STATED HE WAS NOT HELPING ME DO NOTHING. EXPERIAN FROM CIC EXPERIAN CONSUMER SE, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, RAN MY CREDIT REPORT MUTLIPY TIMES IN THE SAME DAY SEVERAL TIMES A DAY. I REQUESTED THAT IT BE REMOVED, AND THE CUSTOMER SERVICE REP STATED HE NOT DOING NOTHING FOR ME. ON XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES, XX/XX/2019 MULTIPLY INQUIRIES XX/XX/2019. I REQUESTED SECURITY FREEZE, CUSTOMER SERVICE REP. STATED HE WAS NOT HELPING ME DO NOTHING. I REQUESTED THAT MY MAILING ADDRESS BE UP DATED, THE EXPERIAN CUSTOMER SERVICE REP. STATED HE WAS NOT UP DATING MY ADDRESS, BECAUSE HE WILL NOT HAVE ACCESS TO STEAL FROM ME IF HE UP DATES MY CREDIT REPORT, FROM MY OLD MAILDING ADDRESS : XXXX XXXX, TN XXXX. XXXX, AND XXXX HAS BEEN HOLDING MY CREDIT REPORT FROM ME FOR ABOUT 3 OR 4 YEARS NOW. I REQUEST AN FULL INVESTIGATION INTO THE PROPERTY MANAGER, AND MAINTENACEMEN, ARE ACCESSING MY PERSONAL INFORMATION, OPENING BANK ACCOUNTS, BUYING CARS, AND HOUSES USING MY PERSONAL INFORMATION. I MS. XXXX XXXX XXXX, NEED MY CREDIT FILE CORRECTED IMMEDIATELY, AND I REQUEST ACCESS TO MY OWN CREDIT FILE, BECAUSE I AM TRYING TO MOVE AWAY FROM THESE PEOPLE WHO HAVE STOLEN MY PERSONAL INFORMATION. I DO NOT HAVE ACCESS TO MY OWN CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / fraudulent account XXXX XXXX XXXX/ fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX fraudulent account XXXXXXXX XXXX/ fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXXfraudulent account 29 fraudulent hard inquiries Credit reporting agencies are not disputing accounts by policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless appeal 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 items I'm stimulating have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Medical XXXX Balance : {$43.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

Hello, I have tried XXXX times to remove an incorrect therefore fraudulent account from my credit profile. Please remove these from my co credit report. 
Records indicate I was impacted by the data breach and as far as the law goes I have the rights to dispute all incorrect accounts on my credit. These are the items I am asking to have removed. XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not correct and I do not recognize this account, it's fated in XXXX  for {$2700.00}. Also hard inquiries XXXX XXXX XXXX and XXXX XXXX this was supposed to be a soft pull ONLY! I did not authorize them to do a hard pull due to me only wanting a pre approval letter to see what car I was authorized to purchase.
Product: Credit reporting

I have contacted and sent Fraud Affidavits to Experian with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Experian have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Product: Consumer Loan

We took out a loan, that was advertised as no interest loan from GE Capital, now XXXX Bank. We set up the loan to be paid within the time frame they provided for no interest. In the middle of our loan term, my wife noticed that they had automatically adjusted the amount we were paying, lowering it. My wife changed the monthly payment amount back to our original monthly payment amount. In XXXX we had {$180.00} remaining balance. The next month we were hit with a {$2100.00} interest charge, because our promotional period had ended. We never missed a payment, and the only reason the 3 year promotional period ended was because they changed our payment amount, and it took us 2 months to notice, and change our payment amount back to our original amount. I believe that this company purposely, and deceptively changed our payment amount in order to ensure that the promotional period would end prior to us paying off the loan.
Product: Credit reporting or other personal consumer reports

CFPB : This is not a duplicate complaint. I am requesting documented proof of the credit bureaus findings and also attached another document that for some reason keeps getting deleted for a threat, so I saved it in a different file. 
Subject : Formal Request for Proof of Investigation and Compliance with FCRA I am writing to formally request proof of your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the disputed information on my credit report. I have previously disputed the inaccurate reporting of [ specific accounts, e.g., XXXX XXXX XXXX XXXX Account No. ending XXXX, and XXXX XXXX XXXX, Account No. ending XXXX ], as these accounts were settled before any charge-offs were applied. Despite providing clear proof of settlement, the inaccuracies persist. 

As you are aware, under the FCRA, credit bureaus are required to : Conduct a reasonable investigation of disputes submitted by consumers ( 611 of the FCRA ). 
Notify the data furnisher and request an investigation within five business days of receiving the dispute. 
Update or delete any inaccurate or unverifiable information within 30 days of receiving a dispute ( 623 of the FCRA ). 
I am concerned that your organization has failed to conduct a thorough investigation and failed to ensure accurate reporting, as evidenced by the continued presence of the disputed information. Furthermore, I am aware of recent legal actions, such as those initiated by the Consumer Financial Protection Bureau ( CFPB ), which highlight concerns regarding compliance with these legal obligations. 
I am beyond frustrated with the lack of professionalism and response. I have been told by Equifax that my dispures are frivilous and the other credit bureause just keep qouting the same script. So now I want proof. I am persistent and will sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX account opened in XX/XX/XXXX The account status is reporting as " XXXX XXXX XXXX This account was settled for {$5000.00} CASH on XX/XX/XXXX and there have no late payments since XX/XX/XXXX. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the finance contract and the payment history that proves the account status that is being reported and they have failed to provide any evidence as such. I have attached a copy of my Drivers License, a current utility bill and the bank statement that proves this account was PAID in XX/XX/XXXX and the status should reflect as a PAID account according to the evidence I have provided. If you are unable to gather any other evidence to the contrary of my claim ; then you must update the payment status or delete the account in it's entirety.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

i am the original creditor, consumer and natural person. You're in violation of 15 US Code 1681 ( b ) -Permissible purpose of consumer reports- as the consumer i did not give you my written to report such things on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX thru XXXX my bank of America statements had A Bank of America XXXX XXXX XXXX XXXX   XXXX Address After that to present date XX/XX/XXXX my boa statements have both Bank of America XXXX XXXX XXXX XXXX  XXXX And Bank of America XXXX XXXX XXXX XXXX XXXX Address I did not have a phone or a computer from XX/XX/XXXX thru XX/XX/XXXX so I could not access my account from a phone or a computer I always to go in person to bank of America XXXX XXXX XXXX vXXXX XXXX XXXX The boa rep states that the XXXX XXXX  address is for online banking. I don't do online banking I did not do online banking access to my transactions until I got a phone in XX/XX/XXXX so please explain to me why the XXXX address was put on my account originally and who authorized it and then why it was changed to 2 addresses of both XXXX XXXX and XXXX XXXX and who authorized that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I received a letter from New Century Financial Services a debt collecting agency saying I owed a bill for XXXX in the original amount of XXXX. Then I was sent court papers sayin I owe {$1600.00}. I went to court to rectify the situation it was clarified that the debt was not mines it was settled on XXXX/XXXX/XXXX the motion was withdrawn by the plaintiff. It was a case of identity theft. On XXXX XXXX, XXXX I received a letter from a marshal that my wages would be garnished in the amount of {$1800.00} for that debt. I contacted the New Century Financial services and faxed over the judgement papers and they have not to stop the garnish.
Product: Credit reporting or other personal consumer reports

I have tried to resolve issues with Account Resolution Services ( ARS ) a number of times and it still is reporting on all 3 of the credit bureaus. 

In my last attempt I sent a certified letter ( number XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2023 to ARS asking them to send me a mutually signed novation with regard to the alleged debt. They have yet to respond ( about 5 months ) and they have 3 accounts still listed all for the same amount {$970.00}. 

Even if they still think they have a valid claim, which I do not think they can validate it, plus their non-response to my letter constitutes an agreement where they are barred from legal action to the alleged accounts, [ 15 USC sec 1692e ( 8 ) ] states that they must, minimally, inform the credit bureaus that the debt is disputed. 

I am uploading the letter that I sent plus the green  return receipt card for the certified letter as proof that they received it. 

Thank you in advance for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

DISCLOSURE STATEMENT REQUEST Re : Fraudulent XXXX XXXX XXXX XXXX Account ( XXXX ) Notice to agent is notice to principle. Notice to principle is notice to agent Name the original creditor? 

Name the address of the creditor or assignee? 

What are the terms of assignment contract? 

What are the full account numbers for this account? 

Please list the particular products or services sold by the collector to the debtor and the dollar amount of each item. 

Have any insurance claims been made by any creditor or assignee regarding this account? 

Has the reported balance of this account been used in any tax deduction claims? 

Upon failure or refusal of collector to validate this collection action. Collector agrees to waive all claims against the debtor made herein and agrees to pay debtor all cost and attorney fees involved in defending this action. 

Please return this completed form and attach all assignment or other transfer agreements that will establish your right to collect this debt. 

Your claim can not be considered for any portion of this form is not completed and returned with the required documents. 

This is a request for validation made pursuant to the fair credit debt collections practices act. If you do not respond as required by law, your claim will not be considered. And, you may be liable for damages for continued collection efforts. 
Please allow 30 days for processing after receipt of your request.
Product: Credit card

I am not able to dispute the charges on the chase credit card online, each time I try to dispute a charge online, it asks me to call the customer service, I can not call the customer service to dispute every single charge. I have attached the screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than XXXX years o 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

I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days. 
Below are the details of the incorrect or outdated information : Incorrect Address : My current residential address is XXXX XXXX XXXX, XXXX, PR XXXX, yet my credit report still lists an outdated address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, Equifax is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 
If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 
Thank you for your prompt attention to this matter. I look forward to your written confirmation.
Product: Debt collection

I took out my first and second mortgage in XXXX. I got my first mortgage modifications in XXXX. My second mortgage disappeared. I never from them until Statebridge contacted me on outstanding debt for the second mortgage. The second mortgage was originally took out for XXXX. Now Statebridge states that I owe XXXXon second on interest and lates fees. They filed a XXXX sale on XX/XX/XXXX. Statebridge settlement offer is XXXX. My attorney is going to offer XXXX. Lets wait and see what happens. I have had sell my stock to come with the XXXX. I am lucky to have the money to pay off this debt.
Product: Credit reporting or other personal consumer reports

I am incredibly depressed due to my finding when investigating my credit. There are a couple unverified and unwarranted errors that are highly affecting my credit and in turn my life. It is clear to me that the bureaus did not make sure that the information they were reporting was accurate to a tee. I can not continue to handle these problems and need a fix now.
Product: Credit card or prepaid card

I've had a Citibank credit card since XXXX. Ten years ago I got a CitiBusiness card which I used for my small business. For my business I have a XXXX XXXX XXXX. I had work done on it last spring by a shop that specializes in XXXX repair. Not only did the work take an extraordinary amount of time but it was poorly done. I quickly let the merchant know that his work was not holding up and that, in fact, he'd damaged some things on my vehicle. I had hoped that he would stand behind his work but it quickly became apparent that he was not going to do anything as he refused to return phone calls or emails. I contacted Citibank and disputed the {$7500.00} charge. I provided Citi with estimates and bills from the merchant as well as my emails to him attempting to resolve the issue. I also wrote a detailed letter explaining what the problems were and that I had tried to resolve the issue with the merchant. I did this in a timely fashion but did not hear back from Citibank for four ( 4 ) months. When I called them they said they'd tried to reach out to me but had been able to contact me. I received no calls, emails or other correspondence during that time. I called them half a dozen times after that only to be told someone would contact me regarding the status of my dispute. The only contact they made was a letter stating that they could do nothing to resolve my dispute because I had not returned merchandise to the merchant. I spoke to a supervisor in the billing dispute department and told them there was no merchandise to return and that my dispute was about a service that had been provided. The supervisor said the wrong paperwork had been filed and that they would refile my complaint. Today I got another letter stating Citibank could do nothing to resolve my complaint because I had failed to return merchandise to the merchant. I don't believe Citibank ever had any intention to resolve this dispute. After 32 years I will be getting a new credit card.