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

In XXXX I received a letter from GenesisFS also known as Milestone card dated XX/XX/XXXX, advising me that they had recently processed a change of address on my milestone CC account and that this letter was being sent out to previous address. Soon as I received it and got notice I called them and let them know. I didn't feel confident because most of their agents seem to have little knowledge and little room to resolve things, but I told him to make a note on my account that there was suspicious activity going on. I guess it was never done, about XXXX days ago I notice when checking my XXXX XXXX that my score went down by XXXX points because my CC was utilized to the max. When I found this out my balance was showing {$490.00}. I called them again and was upset that they sent the card out any ways. I have lived in XXXX, AZ my entire life and I have had this CC with them since the middle of XXXX. I have hardly used my card let alone maxing it out. I check statements and it shows that the last time activity was used was in XXXX. I had a credit of $ XXXX. I ask them how this could happen they told me this person was able to change it through the automated system using my date of birth and social security, but shouldn't someone verify old address before making a change like this. I believe fraud was committed on me by the credit card company Genesis or also known as Milestone. They did nothing to protect me and when I called to make sure my account was closed for good, I witnessed my balance went from {$490.00} to now {$920.00}. I have never gone over my limit, and I have other cards, but I hardly use this one because I had a lot of issues with it, far as it is declining when trying to use it and i had available credit also it would say it wasn't activated but I used it before in the past and also there was no app so it would make it challenging to use. I know we live in a world where this is normal, but I want something done, they aren't willing to help and told me they will do nothing. There is so much evidence showing I couldn't have done this. The person who is committing fraud against me has made all these transactions in Florida. Also, the card I had ended in XXXX and the new one they issued to whomever ended in XXXX but the transactions made in Florida are showing used by XXXX isn't that something.
Product: Credit reporting or other personal consumer reports

While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights. 

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf. 
In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX  demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX  service of a court summons was delivered to a listed address and received by a third person not the AFFIANT. The summons was a complaint brought against the AFFIANT by JPMORGAN CHASE BANK N.A., and through the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX. Debt Collector is also acting as counsel for JPMORGAN CHASE BANK N.A. Located at the footer of the court documents is the common clause, " This COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. The AFFIANT never received any Notice of Assignment prior to this cause of action from the alleged creditor or the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX. The AFFIANT also researched if the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX is licensed to collect debt in the state of Florida which yielded negative results. The Debt Collector used deceptive, and unfair debt collection practices by not affording the AFFIANT to dispute this alleged Debt. The Debt Collector sought remedy directly through State Courts. The debt collector continues to Abuse the AFFIANT with its continuance of legal pleadings, causing prospective jobs to be lost ( unemployed ), martial instability due to time and effort placed on AFFIANT to defend in court pleadings. Individual privacy because the Court is public and records can be shown. Numerous letters from 3rd party law firms persistently filled the consumers mail box relating to this alleged debt. XXXX, XXXX, XXXX. & XXXX, XXXX has violated 15 USC 1692 ( FAIR DEBT COLLECTION PRACTICES ACT ), Public Law 95-109 802 et al. It is presumed that the unfair advantage placed on this AFFIANT/Consumer by XXXX, XXXX, XXXX, XXXX XXXX, XXXX has most certainly affected many others, and should be resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

I being XXXX American was given a high interest rate on a new vehicle by Ally Bank which I read in a consumer report is predicted toward XXXX Americans and XXXX. I was pressured into false sales tactic dealer Im unable due to COVID-19 to make high payments on my car I purchased from XXXX XXXX dealer I had a trade-in and still had high interest rate with good credit score of XXXX Im feel Im being targeted please help me resolve this matter. Thanks
Product: Debt collection

Wells Fargo Dealer services contacted my apartment complex manager in o rder to collect a 30 day late payment after I made a partial payment towards the debt. They claimed they " we can call whomever we see fit, in order to collect a debt no matter how late. '' This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Credit Karma has sent over XXXX 's of adds to my home, phone, laptops, computer, as I applied & an I feel has never intended to assist with credit card assistance ... .Just abused my personal info
Product: Debt collection

I received a letter about a debt that isn't mine from a company named XXXX. 

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX The letter stated I owe XXXX  {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : Velocity Investments Original Account : # XXXX XX/XX/XXXXAccount : # XXXX Original Creditor : XXXX XXXX South Dakota XXXX, XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.
Product: Debt collection

This is my 2nd attempt request to stop contact from this company. They continue to harassment me, my family, my employer, my landlord and I want it to stop. A few months ago they agreed to stop with the harassment ( which I have written proof from them ) but they have continued to do so and I want it to stop ASAP or I will take legal action against them for the constant harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan from Rise appeared on my credit that I did not take out. I never filled out an application with them. I never received funds from them. I reported it when I noticed it. My credit report shows it was opened on XX/XX/2018 and was charged off a few months later. It is now with the collection agency XXXX as of XX/XX/2018. I have disputed this charge on my credit report several times. I have called Rise and reported it has fraud. They told me to send in info proving it was fraud. I filed a report with the FTC and sent a copy to Rise  as they asked. They have denied all my claims of fraud because they said that a check was mailed to my home address. They claim that the check was cashed. I told them I never got a check nor did I cash a check. I told them I never applied for a loan. I have asked them to prove to me the account is mine by sending me the contract or promissory note as well as a copy of the check I was said to cash. I asked for all information about the loan. They have failed to provide me with any information about said loan but still report the account negatively on my credit as well as the collection agency is still presuming me for the loan.
Product: Checking or savings account

I am contacting this company, Citibank, N.A., regarding a claim issue that has not been resolved for over three weeks now. The issue at hand has been fraud in the amount of {$2300.00} that occurred on XX/XX/2023 and XXXX I noticed that the fraud took place I contacted Citi, Citi advised XXXX wait until the transaction has posted and then contact them back so they can open the fraud claim. I then waited and contacted Citi. The agent I spoke with was very condescending and sounded like she was accusing me of lying. She kept emphasizing that the police will be involved but I told. her they were already involved as a report was filed. Nevertheless, the claim got filed. Days later the claim got denied, even though I provided valid information and what was asked for.I then had to appeal the claim. The agent I spoke with asked for a police report at which I told. 
her it should have already been included, she said it was not and asked for it and I asked if there is a way for me to send over the documentation she said no there is no way, she would just need police report number and department name / contact. I gave that to her and she advised not to worry my funds will be retrieved. I then called again, and the agent stated they needed documentation I told the agent what the previous agent said, and they said that is not true and they have a fax number for the documentation. For one, I am already being lied too and mislead and being condescended for reporting this fraud. I then sent the documentation over to the fax and then waited. Days later again I was told the claim was denied no one was able to provide why as I have stated I sent over what I was asked for and then the agent told me that the documentation was not attached to the case that is why it was denied. For the THIRD time, another case has been open. I have escalated this issue to XXXX, CFPB and Citibank headquarters. Again no one is doing anything gives generic responses. That is {$2300.00} of my money that has not been retrieved like I was told. I have been in communication with the financial crimes bureau and the county police at which they have stated the bank IS responsible for reimbursement. I am not the only consumer of this bank that they do this to.They state they protect against fraud, and you are not liable for unauthorized charges but then turn around and do not adhere or recover for you. The company on this date, XX/XX/2023, responded to my complaint on CFPB but with again another generic and late response which stated a third claim was opened on XX/XX/2023 and they are working on it. This response was late and not at all the solution to anything as the third claim was denied on XX/XX/2023 so that again was not true. I was advised by the governing financial institution that I can proceed to escalate this situation legally as I have attempted all matters to resolve this issue and Citi is not giving any resolution. All documentation and communication will be provided. Arbitration has been filed, if this matter gets resolved arbitration will be withdrawn.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and XXXX XXXX ; whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. The account number on XXXX is not the same as the account number reported to XXXX and Equifax. The original balance and limit reported to Equifax is not the same as the balance reported on XXXX and XXXX. The last payment date on XXXX and XXXX is different from Equifax too. Those inaccurate reports are violating my rights as a consumer in the Fair Credit Reporting Act.
Product: Credit card

I was on vacation and I checked my email on XX/XX/23. There was a survey from Kohls saying if I filled it out I would get a XXXX XXXX XXXX set. I did and they said I had to pay {$5.00} shipping. I gave my Capital One credit card number. I received a text from Capital One asking if I had authorized it and I replied yes. Once I was home and checked on my computer I realized it was a scam. I then checked my credit card charges online on XX/XX/23 and see a pending charge of {$71.00}. I immediately called Capital One to cancel this but they would not. I said it was pending still but they refused because I had authorized a charge in the past and they would cancel the card and mail a new one. I told them I did not want a new one and to cancel my account. 
I don't know if it is related but now I can't send or receive personal emails, businesses still get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid.

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX Date : XX/XX/2025 To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with PhonXXXX Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public recorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I NOTICE A NEGATIVE ITEM ON MY REPORT FROM CMRE FINANCIAL SERVICE AND SUBMITTED A LETTER TO THEM ON XX/XX/2020 ABOUT THIS ALLEGED DEBT OF XXXX $ THAT I DONT OWE.I HAVE ATTACHED A COPY OF THE LETTER WITH THIS COMPLAINT OF WHAT I AM ASKING FOR.
Product: Debt collection

1 ) Unknown utility bill XXXX 2012, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tenant occupied. 
2 ) City bills wrong address. City was provided all correct contact information for hook-up, and billing. They choose to bill service address, not billing address, 3 ) County tax records reflect actual billing address, owner on record ( me )! 
4 ) City never attempts to correctly bill ( see their record ) 5 ) Sends to collection agency - Southern Oregon Credit 6 ) Southern Oregon Credit NEVER makes an attempt to mail, call or notify of balance. NEVER. Note again - county tax records are accurate - address, phone, etc. 
7 ) Southern Oregon uses Oregon Tax Refund to settle a debt, I never knew about, nor was EVER notified of, at ANY TIME. 
8 ) Southern Oregon Credit tags on XXXX to a XXXX bill! 
The MONEY IS NOT THE ISSUE. A business, let alone a CITY should collect accurate information about their customers, and then PROPERLY notify them of an outstanding bill/debt. 
A collection agency should know FAIR CREDIT PRACTICES- proper notification of outstanding debt providing an opportunity to CONTEST or settle a debt. I WAS GIVEN NO, NOT A SINGLE OPPORTUNITY to address this.