23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> I authorized a charge of {$4500.00} to XXXX XXXX XXXX XXXX. 
XX/XX/year> I was informed that they lied about the services they could offer me. I immediately told them I would not be doing business with them, and that I wanted a refund. They said they would work on processing it. 
XX/XX/year> XXXX  XXXX XXXX processed refunded {$3600.00} of the original {$4500.00} to me. They stated that they were not going to refund {$850.00} because of the " work they had done ''. This is a lie, they provided me with nothing but wasted time and lies. I received absolutely no help or services from them. 
XX/XX/year> I opened a dispute with Citi for the remaining {$850.00} XXXX. I provided the all of the proof that the XXXX XXXX lied regarding their services, and that I received no services. 
XX/XX/year> I receive a very basic automated notice from Citi that states my dispute is resolved in favor of the merchant because " I received services ''. 
XX/XX/XXXX - XXXX, 2024 I contact Citi multiple times to have this dispute re-opened and resolved correctly. There is sufficient proof for this dispute to be resolved in my favor. The representatives I speak with transfer me to the " dispute XXXX ''. This person says they can't do anything and that we " need to wait on the investigator '' and that I " should receive a response in the next 7-10 business days ''. 
XX/XX/year> I receive another very basic automatic notice from Citi that states my dispute is resolved in favor of the merchant because " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. ". 

This dispute has been ongoing for over a month. Citi doesn't seem to care about the customer. I have been a customer of theirs for many years, and have excellent credit. None of that seems to matter. They will lose a long time customer over what should have been a simple dispute to resolve.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX XXXX - XX/XX/2023
Product: Debt collection

I began receiving collection notices regarding an unpaid toll in the state of MD last year. The state quickly sold the collections of the account to a firm in XXXX, Harris and Harris. While skip tracing, they left a voicemail on my mother 's answering machine clearly stating that they are debt collectors. I find this to be an abusive practice as FDCPA states that when skip tracing, the collector is only allowed to disclose that they are seeking location information. Additionally, they have been unable to provide me with evidence regarding the legitimacy of the debt ; I have only been told to log on to the state of MD website to obtain a photograph of my car.
Product: Debt collection

SYNCB/OLD NAVY CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. Your company are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Payday loan, title loan, or personal loan

When I opened checking account withUS bank, bank without my knowledge or my agreement automatically opened line of credit. I did n't ask and did n't agree with that. Later when I had fraudulent transactions and my balance was negative they automatically transferred funds from line of credit. Now they closed my account without my knowledge and expect me to pay this line of credit. I do not have another checking account and did n't want it in a first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) states that a Consumer Reporting Agency can not publish an account without my written instructions. The Reporting of Late Payments by this creditor is a violation of 15 USC 1666 ( b ). Pursuant to the above listed FCRA laws this account must be UPDATED to PAANL or DELETED. This account is in violation of ( 3 ) FCRA Laws resulting in inaccurate credit reporting on my consumer report.
Product: Checking or savings account

I opned my citibank checking account under this promotion. I have finished all their requirements but I still have n't received the {$300.00} as they advertised. 
https : //banking.citibank.comXXXX? XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( XXXX ) proper proof of my identity, ( XXXX ) a copy of my identity theft report, ( XXXX ) my identification of the fraudulent information, and ( XXXX ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

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

I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. NationStar paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either. I need this information corrected on my reports immediately.
Product: Debt collection

Conns wrote this account/debt off as a charge-off in 2019. It is against FCRA ; state ; and federal law to reopen a closed account. This account is over XXXX years old.This account is listed as open. It is against federal law to report inaccuracies on my credit report.
Product: Debt collection

On XX/XX/XXXX I spoke with a XXXX XXXX in regards to a collection account ( Rent Recovery ) she advised me on a recorded line that once this account was paid it would be deleted off my credit report. As of todays date I see the account being paid and closed but had yet to be deleted as promised. Im not sure if you all are telling consumers that just to collect payment but I am requesting it be deleted off my credit report as promised.
Product: Debt collection

Hello, I closed my account with XXXXXXXX  to transfer to another mobile carrier a while ago. Moving forward a few days, I got a hard inquiry on my XXXX XXXX and was surprised to see I had a collection from XXXX on my account. 

I immediately contacted XXXX, who confirmed there was nothing they could do and advised me to contact the law firm of Maury Cobb & Associates LLC.I 've been calling them via relay due to the fact I'm deaf, but they kept hanging up on me, so I don't know what to do and am worried it will impact my credit line as it shows I have collections. 

I never received any notifications, warnings, emails, or letters about the remaining balance, which I believe to be around {$160.00}. I had no idea about all of this. 

Please sit down and remove this debt, as this must be an error.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/year> for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is five days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding AMSHER, In my complaint, I never received notification of this debt prior to credit reporting which is a violation of the Fair Credit Reporting Act. I am currently purchasing a home from XXXX, and it was brought to my attention that I had an open collection from AMSHER. The credit report company made me aware of the debt via credit monitoring and as soon as I was aware I called to try and resolve it. Also I did not agree that the debt was valid but I paid it because I thought it would help secure your home purchase. unfortunately, they are refusing to delete or remove from my credit report, which is causing an issue with me purchasing this home at the moment.
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT WAS SENT XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with equifax since XXXX for the same issue and they have not deleted anything. XXXX already deleted the same collection months ago from XXXX XXXX. I recently sent another dispute in XXXX. I disclosed that I was apart of the Equifax data breach as well. I sent everything certified because I am keeping a paper trail for proof they are ignoring all laws and dont care about my rights at all by violating them all. I called several times to tell them these inquiries were not authorized nor do I recall any of them also the collection reporting agency I disputed as well and they keep saying everything has been verified WITHOUT ANY PROOF AND I KEEP ASKING FOR IT AND THEY NEVER SEND PROOF. They are ignoring my requests and this is now caused me stress to my health as well as causing me to get denied for credit because they wont delete these fraudulent items off my report. I have sent them everything including dispute letters, federal trade commission ( FTC ) report, even a letter from XXXX XXXX them selves saying that only the credit bureau can delete the inquiry and they dont have a account with me Ill attach everything I sent them to this complaint. Im trying to purchase a home and these items on my report is holding me back. I dont want to take this to court but if this continues to happen Ill be left with no other choice because this isnt right and these items need to be deleted. Im getting denied for credit every time because of these items on my report.
Product: Credit reporting or other personal consumer reports

I requested dispute twice but Equifax doesn't start it. As a consumer it is my right to start a dispute. Equifax reports a Fraud information in my report. It is not mine. It is Fraud and Identity Theft. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made 3 payments across 3 of my loans in the month of XXXX to XXXX XXXX. 2 of my loans were overfunded and 1 of my loans ( loan # XXXX ) was underfunded as the funds were not allocated correctly. I was not made known of this until it was reported 60 days deliquent to the credit bureaus. I called immediately and made an additional payment to bring the account to good standing. I filed an appeal to have the deliquent reporting removed and was denied the removal in their review. After calling to speak with the supervisor I was told there is absolutely nothing I can do and will have to live with the late payment notice on my credit. This dropped my credit XXXX points in an absolute crucial time where my family depends on my credit to get us through financial hurdles. I asked to file an appeal of the denied decision and was told there was no option for me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding Inaccurate and unknown addresses on my credit report I have not received a response yet And I do not know why. I feel that the credit bureaus ignored my letter requesting that all Inaccurate address to be taken off my credit report. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate
Product: Credit reporting or other personal consumer reports

PLEASE CHECK THE INFORMATION CONCERNING THE EQUIFAX XXXX BREACH BELOW IN ATTACHMENTS
Product: Money transfer, virtual currency, or money service

I have ~ {$65000.00} in crypto assets on blockchain.com. On XXXX XXXX XXXX, my account was locked from trading or withdrawal on the basis of identity verification. I started a support ticket then to get help and the support officer asked for information to process the ticket. I provided the information requested immediately, but did not hear back. I followed up continuously over the past few months on the online chat function as well as on the ticket. However, they kept referring me back to the ticket and asked me to reply to the ticket, which has received no response. I would like to withdraw my assets immediately. This is extremely unacceptable and the company needs to provide a satisfactory resolution path asap. Blockchain.com looks like a reputable platform with " security '' features, but it's simply not acceptable to take months for consumers to access and withdraw their assets. I would not recommend this platform.
Product: Credit reporting or other personal consumer reports

re : XXXX acct ending in XXXX re : XXXX  acct XXXX Hello friends at the CFPB, I have disputed this account both with all 3 agencies on multiple occasions as well as directly with the original creditor /data furnisher, XXXX, because of multiple INACCURACIEES on my credit report. In the attached letter from XXXX, they make their statement as entailed. 

On XX/XX/XXXX I contacted XXXX credit card regarding this account still appearing on my credit reports. The agencies ALL are misreporting information and I've disputed multiple times like mentioned above. So I contacted Ally to request the XXXX form from them because, as per the recorded call, the representative XXXX did state it WAS indeed charged off. I know I am obligated to report INCOME to the IRS. This representative put me on hold twice and told me he's unable to get the XXXX form because it was charged off in XX/XX/XXXX. He then transferred me to his internal " Account XXXX XXXX ''. I then was received by a gentleman named XXXX with XXXX XXXX. On that recorded call, he advised XXXX XXXX was a XXXX XXXX. I informed XXXX to CEASE AND DESIST from further contact. I refuse to pay them a cent as XXXX charged off the {$640.00}. This guy asked me to verify my information XXXX no thanks. I'm not giving a stranger my personal information, if you legally had this account and ALL THE CONTRACTUAL DOCUMENTS, you'd already have that!!! 

XXXX XXXX  representative lied on a recorded call. Told me it was charged off and he just couldn't access the XXXX form. Then- intead of transferring me to the internal team he indicated, he XXXX Transferred me to a Collection agency, which if it was charged off, there's no debt XXXX XXXX. This is fraud. Another pool service purchase and fraud. 

The best part : This account is NOW HELD BY TWO OFFICES - XXXX at Ally, the other at XXXX XXXX. 

XXXX deleted the account because THEY KNOW it was wrong. 

Attached are docs and screen shots of errors, for the XXXX time now. 

https : //www.csfsolutions.com/ https : XXXX THIS IS DOUBLE JEOPARDY, folks. 

Please enforce the DELETION this account from my credit file ASAP. I appreciate your help. 

re : XXXX acct ending in XXXX re : XXXX acct XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX XXXX has violated my rights. 

I looked at my Equifax, XXXX XXXX, and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reviewed my consumer reports and noticed that I had two late payments on an account that was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability que with maximun accuracy I have never been late on paymenst for the account : Accoun name : XXXX XXXX  / XXXXXXXX XXXX Accoun number : XXXX please investgate and provided I proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I das NEVER late. Thanks.