23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hired an air duct company to clean out the ducts in my home for a price fixed. After the service man cleaned out the ducts in my home, he showed me all sorts of service plans to sign up for. I barely had the funds to cover the cost of the services performed of the one and only service call in 2017 that I had agreed to. Apparently the invoice I signed for the services performed is being stated by collection attorneys, as a contract that I signed for future services. I did not sign any such contract. I do not know if the service man had switched paperwork and had me sign a contract instead of the invoice for the service performed. But I did not agree or sign to agree for any future services. I have been contacted by an attoney from Asset Collections inc demanding that I pay. And he states what I signed was a contract for services and that I now owe {$2200.00}? I never agreed to such a contract. I never made any payments toward any such contract. I paid what I owed for the one time service call. The sneaky tactic of stating that I signed a contract when I believed it was the invoice for the service, is unfair sneaky practice. I was polite to the service guy and told him that I would consider the contract with his company in the future. But as he personally witnessed I did not even have enough credit on my card to pay the intitial service fee. I explained this to the attorney from the collection agency that keeps calling me and telling me that they are going to sue me for this. Please help me stop this unfair sneaky tactic of switching the invoice and turning it into a contract for future service. I did not want not could afford. I did not sign a contact. I signed a service invoice. That is what I was told. I told the service man that I could not commit to any contract or future service. And I said I would contact his company if indeed I did want a service contract. Which I did not. Now I am being bullied by this attorney from the collection company stating that I signed a contract? In the collection letter they are threatinf to contact and report this alleged debt to the IRS. And stating that a form XXXX will be filed and it will show that the {$2200.00} becomes income and a bad debt for XXXX XXXX XXXX XXXX XXXX XXXX. Is that even legal? I have explained the misunderstanding to the attorneys from collection agency numerous times, only to have them state you signed it and you owe it and we will sue you to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX/XXXX  XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX/XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX   XXXX {$840.00} not mine INQUIRIES XXXX   XXXX/XXXX XX/XX/2018 unauthorized XXXX/XXXX  XXXX  XX/XX/2018 unauthorized XXXX XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized XXXX XXXX, XXXX XXXX XX/XX/2018 unauthorized
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

jc penny just e mail me on my acct, I never rec any statements since XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX  {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INVESTIGATED MY DIPSUTES IN ONLY 5 BUSINESS DAYS? HOW IS THAT POSSIBLE? DID THEY ONLY USE XXXX AGAIN?? WHERE ARE THE REQUESTED WRITTEN DISPUTE RESULTS? WHERE IS THE PROOF OF THE PERSON THEY VERFIED THE DISPUTE WITH? WHERE IS ALL THE DOCUMENTATION I REQUESTED THAT EXPERIAN USED TO VERIFY MY DISPUTE? EXPERIAN CLAIMS MY DISPUTED ACCOUNT WAS VERFIED AND UPDATED? HOW? NOTHING CHANGED!!

PLEASE SEE THE BELOW COPIED INFORMATION FROM EXPERIAN DISPUTE CENTER, THE " STATUS UPDATED '' DATE IS STILL SHOWING XXXX XXXX!!?? 
A CLEAR SIGN THAT NO INVESTIGATION WAS DONE, ONLY XXXX WAS USED : Account info Account name XXXX XXXX XXXX Account XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Closed. {$31000.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$35000.00} Highest balance {$0.00} Terms60 Months PLEASE SEE BELOW HOW FAST MY DISPUTE WAS " SUPPOSEDLY VERIFIED '' : The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. 
Source : Experian Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report NumberXXXX  Account Number : XXXX XXXX : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XX/XX/XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 
Source : Experian Date Submitted : XX/XX/XXXX Report Number:XXXX Account Number:XXXX  Company : XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ALSO THE ADDRESS ASSOCIATED WITH THIS ACCOUNT DOES NOT MATCH ANY OF MY ADDRESSES LISTED ON MY EXPERIAN CREDIT REPORT. 

SO MANY VIOLATIONS OF MY DISPUTES FOR THE LAST 8 MONTHS. 
THIS HAS TO STOP!!! EXPERIAN IS CAUSING ME TO STILL BE UNEMPLOYED  AND I AM SUFFERING FINANCIAL HARDSHIP BECAUSE OF EXPERIANS INACCURATE REPORTING!
Product: Credit card or prepaid card

In XXXX of XXXX I visited a gas station ( XXXX ) in XXXX. I was in a rented car on the way to the airport. Long story short there is a scam ring operating out of this XXXX station and other stations as well. They are good at what they do and there are many stories online about how they have scammed hundreds of tourists. The scam is they tell you the credit card machine is not working very well and tell you it may work and they take your card to try. The pump runs slow ( on purpose ) and they ask if the tank is full. It is not so you say no. They then clear the pump and now the original transaction is cleared. My daughter and I were already suspicious of how this was going down so she photographed the pump. The attendant then starts the pump again and in most cases they add the 2 transactions together adding on an amount that is not true. You have no way to know as the original transaction is cleared. Since they knew we took a picture and were suspicious I believe we paid close to the correct amount for our gas -- {$60.00}. However, prior to paying cash for the gas they bring a credit card machine to your car door and swipe the card. The machine does not work so they ask for cash. As the gas is pumping and the person has your card they run a transaction on a square or similar on their cell phone. Within minutes of driving off from the station I received a text from Capital One asking me if I charged {$1000.00}. I immediately replied that I did not. When I arrived home after landing I called the Capital One Fraud team and explained what happened and thanked them for catching the charge so quickly. Little did I know I would be fighting Capital One 6 months later on this same charge. The scamming vendor who charged sent in a fake invoice with a signature on it. The signature is a forge and I have supplied my signature 3 times to Capital One. The name on the fake invoice is XXXX XXXX which I have no idea who they are. Researching online I believe they may be a restaurant in XXXX  XXXX which I have never been to. The charge is not from XXXX. I have spent countless hours on the phone with Capital One and sent XXXX pages of documentation with numerous stories written by tourists who were scammed. I will continue to fight this fraudulent activity and if you can help it would be great. I see online many banks have stood behind their cardholders who experienced the exact same situation and I am so disappointed that Capital One does not stand behind cardholders at all as I have been using the cards for many years. Thank you.
Product: Mortgage

we purchased a home XX/XX/XXXX and was told by 5th3rd Bank officer, once we secured our loan, to let our other home go in to short sale. He said this wont hurt your credit because they are offering federal forgiveness, and it will be fine. Being this came from the bank, we felt pretty good about it and did just that. Now, XX/XX/XXXX we are trying to get a equity line from our current home and 5th3rd stated we do n't qualify because of our credit and due to the short sale. After going round and round with them, their final result was, we cant help you out right now, try back in a couple years. This short sale we were told was ok, has put a damper on our credit and score over the past couple years and it was all due to 5th3rd 's employee assuring us it is ok. My wife and I originally were going to lease the house out until we could sale it for cost. 
I would not recommend doing any banking with 5th3rd at all. everything they have told us has done more harm than anything, and we will be paying for it for several more years..
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr Cooper ( Mortgage Holder ) marked my account that they paid XXXX to my XXXX  XXXX XXXX on XX/XX/year>, I received XXXX cancellation notices from XXXX XXXX stating payment not received, spoke with them numerous times on phone, no payment, reported this to Mr Cooper, they informed me to check XXXX  account on XX/XX/XXXX to see if payment went through, this is not sufficient as my policy will cancel on XX/XX/year>. Mr Cooper wiped out my escrow account to pay the XXXX then asked me to contribute XXXX more to my escrow account to bring it current, which I did, but still no payment showing for my XXXX  at XXXX XXXX. Mr Cooper should have stopped payment and issued another check ASAP to bring my XXXX  current.
Product: Checking or savings account

Good afternoon, Back in XX/XX/XXXX I fell for a scam which resulted in a fake check being deposited into my account. My checking account ending in XXXX was promptly closed and I was flagged for fraudulent activity. I should have reported back then that I feel I was not given a fair investigation since the check wasnt even signed by me and was clearly edited but Im assuming its too late. Because the check bounced I then owed Santander {$1400.00}, which I have been unable to pay back until now. Twice have I overnighted a check to their case management department at XXXX XXXX XXXX XXXX RI and the first time I had to put a stop payment after 2 weeks because the check hadnt been deposited nor would any Santander agent confirm it had at least been received despite the fact my tracking number confirmed delivery. I keep calling their fraud department and the agents keep escalating the case and claim it takes a max of 3 business days to get a response, that was done at least 5 times and not once was I given an answer. 


With the fraudulent activity on myXX/XX/XXXX consumer report I am unable to open other accounts without this mark being removed. I am actively trying to pay Santander their money back and its as if they dont want to take it.
Product: Checking or savings account

I have experience nothing but terrible customer service from bank of america. I was charged a  XXXX  overdraft fee for  XXXX . I withdrew funds from the ATM and did n't know :  1. They cha rge a fee for a  XXXX  negative balance.    2.  I have a savings account with over  XXXX  in it. I thought they would be able to pull the funds from my savings like they done transfers in the past.    3.  They so many confusing caveats to their website that a customer should get a  one day training just to fully utilize the online resources I called in to speak with two incom petent representatives about the fee. They tried to bait me into an argument by focusing on all the things I could have done. I did not do these things because the options were not made available. I explained to the  Manager   XXXX   th at I have a savings account that should transfer funds when theirs not enough in my checking.  XXXX  said that only applies to ACH transactions, however per the  Core Banking understanding document it states- " With Overdraft Protection, if you 're about to overdraw your account, we 'll automatically transfer available funds from   your linked savings, credit card or second eligible checking account. On ly 1 tran sfer fee charged per day. I have never had an overdraft fee before and I thought I could trust them, but if I have to deal with employees that are snide and trying to prove a point I can take my business back to  XXXX .  XXXX  makes it know that if it is a transaction about  XXXX  they will charge a fee. Bank of America does not make that fee schedule readily available. It is wrong to loan  XXXX  and get a  XXXX  return on that loan. That 's extortion. Please look at my bank history as well to see how they try to confuse customers and steal their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit at XXXX XXXX and I was trying to get credit or financed for a vehicle. I gave the salesman authorization to run my credit through XXXX XXXX and the salesman ran my credit 11 times. The only one I approved them to run it for was XXXX XXXX. 
Now I have 11 inquiries that I did not approve of.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX  Account Number : XXXX On TransUnion XXXX this account is reporting date opened on XX/XX/year>. On XXXX, this account is reporting date opened on XX/XX/year>. On XXXX, this account is reporting date opened on XX/XX/year>. This is inaccurate and inconsistent reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Investigating my credit report i found that my report was being blocked... i initially thought that maybe i did it by accident so i contacted equifax and asked it to be removed ... after further investigation i have found that it was updated from fraud alert to being blocked for promotional purposes... now understanding that equifax has deciding to illegally place a freeze on my credit report with the intent to prevent proper use and growth of my credit... this has prevented me from refinancing my home and numerous credit accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed.
Product: Checking or savings account

A fraudulent debit card account was opened in my name with Capitol One. They determined it was fraudulent and opened with my social security number. They have closed the debit account. However I currently have an active fraud alert with all three credit unions and this should have been flagged. 

I do have a credit account with them that is still active.
Product: Checking or savings account

I am writing to formally dispute unauthorized transactions on my debit card and to seek resolution regarding the handling of my claim by Bank of America. 

Incident Details : On two separate occasions, my debit card was stolen, which led to unauthorized withdrawals totaling over {$1000.00} from an ATM located at a XXXX  XXXX XXXX 

Actions Taken : Upon discovering the fraudulent activity, I promptly filed a police report and reported the unauthorized transactions to Bank of America on XX/XX/2024. During this report, I submitted the police report as evidence of the theft. The bank representatives assured me that a provisional credit would be issued to my account while the investigation was underway. 

Issue of Concern : Despite the assurances given, I have not received the provisional credit. On XX/XX/2024, I was informed that my claim had been denied. This decision is perplexing and distressing, given the clear evidence of theft and the banks initial commitment to issue a provisional credit. 

Resolution Sought : I am seeking the Consumer Financial Protection Bureaus assistance in this matter to ensure that : My claim is reviewed thoroughly and fairly. 
The provisional credit is provided as initially promised by the bank. 
Appropriate measures are taken to prevent such discrepancies in the future. 
I trust that the CFPB will address this matter with the urgency and seriousness it warrants. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX  account. Instead the want Me to pay a settlement. I have disputed the with Equifax which has had no help. Im seeking help to ATLeast have XXXX send me some documents proving this is my account. Which I know it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was in college a co-signed for a private student lo an ( AE S ) for  XXXX   XXXX  who is now  XXXX   XXXX . About 5 years ago I was told that I could be removed as a co-signer due to the primary account holder making timely payments. Apparently they did not remove me a co-signer and she 's is behind on her payments and now they are reporting me as delinquent as well which has negatively affected my  credit score by  dropping it more than  XXXX  points within the last two months.