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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Product: Debt collection

Hello I have 5 accounts with firm all showing balances of, ( {$380.00}, {$340.00}, {$270.00}, {$990.00}, {$250.00} ) and 1 account that shows a late payment which are all incorrect and I have paid these on time. I asked for debt validation and have not received any documentation to validate the debt.

I have sent 3 total letters through certified mail first on XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Second letter XXXX XXXX Tracking {$9400.00} XXXX XXXX XXXX XXXX XXXX. Third letter XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Have had no success getting any debt validation or any sort of documents related to the 5 debt accounts and the 1 account with a late payment.

Also I exchanged email correspondence with affirm ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and asked I provide them with the Affirm ID 's so I could get the validation. After I provided the numbers I received no response and now I am left to pursue the CFPB as well as legal counsel to help remove these inaccurate items on my report.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by TRANSUNION, XXXX, AND XXXX I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.
Product: Credit reporting or other personal consumer reports

This is my 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 items 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 ITEMS. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent out multiple dispute letters to Experian & Equifax as well as filed disputes with the CFPB concerning there failure to conduct a proper investigation & reinvestigation into the inaccurate account on my credit report ( CB INDIGO/CCI ACCT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXUnder ( FCRA ) 15 USC 1681s ( B ) they have failed to maintain the accuracy of my credit report.15 USC 1681i ( 5 ) failure to properly reinvestigate disputes & remove inaccurate information.15 USC 1681 c ( C ) inclusion of obsolete information in my credit report.This issue has significantly impacted my ability to access credit, Housing, & employment opportunities as well as causing me financial & emotional distress.As a result of experian & Equifaxs non-compliance my credit score rermains inaccurate, affecting my ability to secure Loans or housing
Product: Credit reporting or other personal consumer reports

In accordance to XXXX XXXX Code XXXX titled Definitions Rules of Construction ; paragraph XXXX of this title is titled exclusions and Sub paragraph A Subsection I state that transaction are not included in the Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1562 section 704A Section 2 it also states consumer reporting agencies can not post on my account without my written instructions Under 15 USC 1667B A creditor may not treat a payment on my credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANTS CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft. 

I reject your offer to contract. I did not consent to any nonafliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act.

I would like the name and address of the original creditor as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.
Product: Credit card

On Saturday, XX/XX/XXXX, I opened my mail addressed to me. One of the items was an envelope from Chase - Marriott XXXX. A credit card with a credit access line of {$25000.00} and a cash access line of {$1200.00} was inside, along with the requisite notification paperwork. I am not a Chase customer, nor have I ever been, and I did not authorize any lines of credit to be opened in my name. 
I called Chase immediately, using the main Chase credit number as opposed to the one that came with the paperwork, just in case it was a scam. I first spoke with XXXX at Chase, who, after listening to my explanation, stated that she would immediately close the account and report the information to the XXXX credit reporting agencies. She also advised me to call one of the agencies and gave me the number to XXXX. 
After hanging up, I realized I had neglected to ask if there were any transactions made on this account, so I called back and spoke with XXXX in the fraud department. I was not comfortable giving my full social security number when asked, but he stated that he was able to verify that no transactions had been made. He further advised me to call back during business hours to speak with customer protection. 
Because it was the weekend, I had to wait until today, Monday, XX/XX/XXXX, to contact XXXX. I spoke with XXXX at XXXX, who stated that Chase did not run a credit report ( none such report exists in my file ) and that my file was such that lenders can open lines of credit without my authorization. Upon hearing this, I requested that XXXX adjust my file so that this was not permissible, and she did so. She further advised me about XXXX 's protection plan, but I declined at the time, preferring to speak with my spouse further before making additional decisions. 
I then called Chase Customer Protection Group and spoke with XXXX. At this time, she was only able to verify that Chase was " working on '' this case and would let me know if they had further questions or resolved the issue.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX late payments* Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 revolving accounts that had fraudulent charges made on them and experience wont investigate them. 
XXXX XXXX XXXX XXXX {$1900.00} {$2000.00} 100 % Revolving Negative XX/XX/2011 XXXXXXXX XXXX DELAWARE XXXX {$8000.00} {$7600.00} 106 % Revolving Negative XX/XX/2011 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3800.00} {$3500.00} 109 % Revolving Negative XX/XX/2011 XXXX XXXX XXXX   XXXX {$2100.00}
Product: Credit card or prepaid card

4 credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all 4 of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX my Santandar Consumer loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both Santandar Consumer on XX/XX/XXXX as well as to XXXX. The XXXX  Dispute was returned in favor of Santandar Bank and Santandar also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and XXXX  of XXXX along with XXXX plus days of no response.
Product: Debt collection

I do believe the neighbor in which the local court granted me a protection order against for stalking/harassment because of the evidence I presented to the court from security cameras is who opened this account in my name. 
The XXXX box on my outside wall was found to have a splitter attached to the main line coming in then split off to another cable in which ran to his townhouse. XXXX county civil court case number XXXX Divison XXXX.
Product: Money transfer, virtual currency, or money service

On Saturday XXXX XXXX, between XXXX and XXXX EST, I drove to a local BoFA branch where they had a drive up ATM.

I proceeded, as one does, to deposit the cash I had on hand ( {$2100.00} in 20 {$100.00} bills and 2 {$50.00} bills denominations ) into the ATM ( atm number is XXXX ). 

The atm counted the money, however, the machine had only counted {$1000.00}. So I freaked out and decided that I will not proceed with this deposit as the ATM counted the wrong amount. So I pressed cancel and the machine spit out {$1000.00} ( in different denominations ). I decided to park and walk into the branch where I was told no one can help me but that I should call the claims department, the branch manager had said it just happened to someone right before me with {$6000.00} and the atm only counted {$100.00}. however, I ended up handing the cashier inside the BoFA branch the {$1000.00} all while I was on the phone making the claim with BoFA. 

I made the claim ( XXXX ) that same day on Saturday and i was told that in 2 business days I will be updated. 4 business days went by and nothing happened.

I called and they said they can try to put in a special request to get a temporary credit of the {$1100.00}. They also said It will take 10 business days. 10 days later ( XX/XX/XXXX ) they tell me that they never found a deposit in my account for XXXX, and that they looked at the ATM between XXXX XXXX. I dont understand what investigation they did, because it seems like they did nothing. and I was told when I called on XX/XX/XXXX that no one looked at any cameras after I told them they can check the ATM, branch and drive through cameras. I work for XXXX XXXX and I know as a fact that this happens as well and its considered an operational risk. 

Keeping in mind that all this while I couldve had XXXX cash in hand. An inconvenience and BoFA just doesnt make it easy. I tried to escalate the case, I called 3 times on XX/XX/XXXX and XX/XX/XXXX to escalate the case, but it says its closed. 

Now they say that by XX/XX/XXXX the money will be taken out of my account. The person that I called on XX/XX/XXXX told me that they never looked at the any of the cameras nor the atm. 

Now its XXXX days out so they obviously wont find the cash stuck in the atm because they have a servicer that comes and checks the ATMs 1 time a week at minimum.

So I dont understand how they came to this conclusion but I am not paying a XXXX back because I dont owe them anything. 

Meanwhile my account balance will continuously decrease because of the XXXX XXXX monthly service fee. And an FYI my account with them has been open for maybe 2 months now.
Product: Credit reporting or other personal consumer reports

Why is XXXX staying in my credit report until XX/XX/2032. This is recidiolus since I closed the account on good terms and did not owe anything or anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Signed With Global Client Solutions. Ran Across Your Court Case Dated XXXX XXXX, 2014 Where Global Client Solutions Illegally Collect Upfront Fees From Consumers.Also Consumers Ended Up Deeper In Debt Than When They Started. It Started With XXXXXXXXXXXX XXXX XXXX XXXX At ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Florida XXXX An Notery Public To My Home ( XXXX XXXX ) To Sign Papers. She Said Is An Independant Notery Pubic And Did'nt Use A Notery Stamp. We Never Received Any Paper Work From XXXX XXXX. I Noticed There Was Up Front Fees Of {$100.00} For 9 Months.I Called XXXX XXXX And He Stated It Would Go Into A Trust Fund And All My Credit Cards Would Be Paid Also. The Up Front Fees Were Going To ( XXXX XXXX XXXX XXXX ) At XXXXXXXXXXXX ( XXXX ) XXXX The Main I Reason I Caught This Was XXXX Never Gave The Name Of Who Was Going To Withdraw The Money From The Bank. That 's When Researhed Global Client Solutions. ( Total Enrolled Debt : {$10000.00} ) ( Estimated Program Length : 32 Months ) ( Monthly Payments {$290.00} Date : XXXX ) My Name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX. Phone # XXXX. Last Question Am I In Deep XXXX? Also When You Multiply {$290.00} X 32 Months Comes Out To {$9300.00} Not {$10000.00} Where Did {$1200.00} Go? I Need To Know If They Are Legit! Help Please
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount in credit report is incorrect and balance has been paid by insurance company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  liens showing on my report. I contacted the city of  XXXX   XXXX  and they stated that it was not mine and that another person 's file was mixed up.  XXXX  other credit reporting agencies have already deleted these  XXXX  entries but Experian still shows then and addresses and names I have never gone by or lived at. I file disputes and nothing has changed. I logged in and went to the online dispute page and was able to begin but then was kicked out of the site for inactivity? I was actively filling out disputes. I tried to reenter and was denied access. This happens repeatedly making resolution of my issues impossible and doing me irreparable harm credit wise. These inaccuracies were the reasons for being denied credit.   I 'm tired of being the consumer denied access to my own report.
Product: Debt collection

I made payments as needed for all months in XXXX. The credit card company said they did not receive XXXX or XXXX. I provided proof from my bank they were paid and even went as far as to set up a conference call between the credit card company, myself and my bank. After the credit card company refused to apply the amount to my credit card account balance and remove the late fees, I went ahead and placed a stop pay on the 2 months of payments and paid the credit card company {$400.00}. I was told that my next payment would be due XXXX. Since that time I have been receiving XXXXXXXX phone calls per day saying that because my credit card balance is over the limit by {$500.00} that I need to pay them now regardless of what was said/done when I paid the {$400.00}. I have referred the callers back to XXXX at the credit card company to go over the particulars yet the calls do not stop. To make matters worse, they have now reported me to the credit bureau and said I 'll need to dispute it with them. 

Please help!!! I made my payments as I was supposed to however, they did not process them ( Proof provided from my bank. ). I paid them an agreed upon amount in XXXX XXXX with the understanding from XXXX on their Executive Communications Department that my next payment was not due until XXXX. Despite all of this, I 've now been reported to the credit bureau and receive multiple phone calls per day, even while at work, harassing me to pay my over limit balance immediately.