23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com- pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer- tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi- site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, cor- rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting . FEDERAL laws dic- tate that any and all derogatory or potentially injurious reporting MUST be all of the aforemen- tioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Original creditor was XXXX the account was closed due to car broken into and identity theft and was to be investigated by creditor then XXXX took over XXXX and did not continue investigation I continued to pay on it till Hardship from XXXX and a sick husband with XXXX suicide attempts in 3 month period he lost his job Family hit with XXXX and Dad passed away I had XXXX going on my plate to be able to deal with all this and Now a lawsuit was placed and a lien on my property. I was not given a detailed charge of credit card They lie about amount owed and lied said I did not respomd and I have proof I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Update Personal Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be in error. Here, as follows, are such items : The following ADDRESSES are being reported incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, FL XXXX, XXXX XXXX  XXXX, FL XXXX XXXX missing part of street name ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX incorrect apartment # ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXXl, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, XXXX, FL XXXX The following EMPLOYMENT information is being reported incorrectly and needs to be removed immediately : The following ALIASES are being reported incorrectly and must be removed immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following TELEPHONE NUMBERS are being reported incorrectly and must be removed immediately : XXXX and XXXX By the provisions of the Fair Credit Reporting Act, please have these items removed from my report. Please send an updated copy of my credit report and confirmation of these corrections to the address listed above once completed. Thank you for your time and help in this matter. 

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

In XX/XX/XXXX I received a bill from a different debt collector on an old account already on my credit report from XX/XX/XXXX. I looked up the account numbers provided and it was a different medical service, date and XXXX balance. I checked my insurance exclamation of benefits and they paid the claim on that account number and date of service.. They also had my old last name on the letter which changed XXXX years ago, XXXX  years before the date of claimed charges. The letter said I could dispute it if I thought it was inaccurate, in writing, with a signature. There wasn't anything I could tear off and mail back so I wrote it directly on the front of the letter and mailed back the next day. I stated that the information was inaccurate and I need more information sent to me. That the account numbers, services, and dates didn't add up.The total they said I owed was {$110.00} but the XXXX accounts they claimed I owed didn't add up to that amount. I didn't make a copy of the letter sent from the collector. I wrote on it and mailed it back fully expecting to get something back soon. I never recieved anything. Instead within 2 weeks it was reported on my XXXX score for the second time. I have no proof of what is claimed I owe. 
The original collector was account resolutions. I didn't know that I could request proof of claimed responsibility so I never did from them. I only learned of the laws on this when they said in the letter that I could request it, then never recieved it and it was immediately reported to my credit report. 
This collector not providing me information is Senex Services. 
Since I don't have the letter with the information claimed, I don't remember the account numbers they provided. I had XXXX in XXXX and went to the doctor many times and had many account numbers on my account at that hospital facility so it would be impossible for me to recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and I noticed that the following inquiries are unauthorized : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) I have called several times in attempt to request unauthorized inquiries be removed as well as sent several letters requesting only to receive correspondence showing inquiries still on my reports. Last letter was sent around XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was using zelle for transactions and one day they said I was banned from using the app again.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

we have been out of Oregon for the last 5 years and all of the sudden today received from my employer that they were garnishing my paycheck, Had no idea of the debt. all the sudden with no notification of any debt my check is being garnished. The company XXXX XXXX XXXX refused to give me any information on the account they were collecting on which is from supposedly XX/XX/XXXX. They have threatened to charge us {$500.00} every 2 weeks if we didn't give them a credit card. Fraud!!! The will not give me a copy of the paperwork and they threateded that they. They have never given us any paperwork and refuse to. FRAUD!! This all happened XX/XX/XXXX. They have caused me extreme stress not being able to contact the proper people to see if it is even a debt of mine. they have my employer information and they certainly had a current address but failed to contact me in any way. I would like to seek compensation in the amount of {$20000.00} for undue harassment and fraud stating they have contacted me when they haven't. Also I would like there licence pulled for failing to provide me with any paperwork when asked to send it to me. I have the phone call recorded.
Product: Credit card or prepaid card

This complaint is against Citi ( specifically their credit card division ) and is in relation to Dispute ID XXXX ( transaction amount {$810.00} ) on credit card, ending in : XXXX. I am outraged that the Billing Disputes of the bank refused to provide assistance in this matter, thus closing my dispute and telling me in a letter dated XX/XX/2021 that since " too much time has passed since the transaction was billed to me '', they would NOT be " able to investigate '' and that I would " need to contact the merchant directly ''. First of all, I do not care how much time has passed since the transaction was billed. That is IRRELEVANT. What is relevant is WHEN I informed the bank that there was an issue with this transaction. HOW MUCH time the bank takes to investigate is a different matter. I emailed Billing Disputes at XXXX about this transaction twice in XX/XX/2021 ( XXXX and XXXX ). Then I faxed to them a form they wanted me to complete and sign on XXXX. I faxed it to : XXXX XXXX XXXX. And on XXXX, they closed the dispute. 

The issue was : I purchased online merchandise from a XXXX business. The merchandise was UNSATISFACTORY for OBJECTIVE reasons. I returned it, and the merchant issued only PARTIAL refund. The merchant and I were in disagreement over whether there was something wrong with the merchandise. I emailed them several times about this. I told them I would accept ONLY a deduction for the return shipping label I used. It's true that I voluntarily chose to use their prepaid label. I would NOT, however, accept a deduction for original shipping cost. I can not lose nearly {$80.00} on a purchase of something that I NO LONGER have. I am stunned and shocked that Citi did no speedily resolve the matter in my favor. Banks, as third parties in a dispute, generally can not determine if there is indeed something wrong with goods because they are unable to inspect them themselves. Therefore, the rule of thumb is : if the customer can prove they returned the merchandise, they can receive full refund. I proved I had returned the merchandise. Therefore, what was your Billing Department thinking/investigating?!?
Product: Credit reporting or other personal consumer reports

I am filing a complaint pertaining Equifax not blocking the fraudulent items on my credit file. 

The dispute was started without the FTC report attached for the items to blocked. The agent told me he attached the FTC report to the dispute and it would be blocked within 4 business days. 

That has not happened. I am a victim of a crime and if the items are not removed ( blocked ) within 4 business days from today 's date XX/XX/2024, I will be filing suit in The United States District Court for the XXXX XXXX XXXX XXXX with damages for XXXXXXXX XXXX. I can not relocate or move due to the negative items that are on my credit file. I will be filing in court this week if this matter is not resolved. 


Thank you, XXXX XXXX
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. 
I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX, XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all inquiries that were compromised or affected by this breach be immediately blocked and deleted from your records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you are aware XXXX the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any inquiries connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Debt collection

Hello and Good Day I reached out to Equifax credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} Equifax has not XXXX Attached are copies of disputes letters that I have sent out as well as a copies of my fraud report ( I have sent XXXX rounds of copies and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling XXXX letters. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. None of the reporting agencies have done their job under the Fair Credit Report act ( all they responded saying was that XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

kind Regards, XXXX XXXX
Product: Debt collection

Credit collection services refuses to remove an unknown derogatory mark on my credit. I was never sent any debt validation as this is inaccurate. They have called emailed and texted me and will not leave me alone. I just want this removed and deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

While on vacation a fraudulent charge was made on my account. A restaurant had taken my card to settle the bill and it charged the correct amount which I agreed to. While they had my card they must have swiped it again for a fraudulent amount which I did not realize until I got home. I instantly locked my card and disputed the charge. I have tried calling Citi Bank many times and I keep getting transferred to different departments or lied to. One time calling the person I was on the phone with had told me that he had credited my account for the fraudulent charge and that I should see it in a few business days.He must have lied to me just to get me off the phone with him. After a few weeks I called back and they let me know that was not true and the claim was denied and closed. I have tried many different ways to contact Citi bank but they have made it very complicated to get a hold of someone who can actually help. 


The date was XX/XX/XXXX and the amount was XXXX. 

Here are the details of the charge on my statement without including any PII. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a formal complaint against DISCOVER BANK. Our bank account was improperly drained of cash by them of a total of {$31000.00} USD.

this was done by using checks that contained our account number in the coding. as well as numerous payments to XXXX. Not once did the bank verify these odd transactions, question a signature, nor enforce usual ID policies, they went ahead and added the name on our account, the name was changed in the printed checks is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The month of XXXX, XXXX, checks total payable to third parties {$4900.00} On XXXX XXXX thru the XXXX ACH withdrawals in the amount of {$1300.00}. 
Month of XXXX, XXXX, employing same methods a total of {$22000.00} On XX/XX/XXXX they paid Capital XXXX {$290.00} and issued XXXX withdrawals to XXXX, for a total of {$2700.00} ( the amount of withdrawals alone, was enough to merit a call to us the Account Holders ) THEY HAVE NOT BEEN TOO HELPFUL, MOROSE IN SENDING COPIES OF CHECKS FRONT/BACK AND TO ADD INSULT TO INJURY, ADVISING US TO CONTACT THE FTC, XXXX, XXXX, AND THE CREDIT AGENCIES AT OUR COST & TIME.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a credit card with XXXX XXXX. I paid it off in 2018. It was sent to collections and will not accept the information I have sent numerous times proving it was paid off. It remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and TransUnion only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX customer service on XX/XX/XXXX via telephone regarding an account that is listed negatively on my credit report. The account is listed as being collected on by Pro-Collect FOR XXXX XXXX XXXX. Being that I have NO contract with ProCollect, I contacted XXXX to see what my options were to resolve this. I spoke with XXXX in customer service at XXXX XXXX XXXX. I was told by XXXX that she thinks the account is in collections with ProCollect and she is not sure how I would pay. XXXX went on further to say ProCollect does not collect for them anymore AND no one does at this time.
Product: Checking or savings account

I have submitted a dispute for an unauthorized transaction on XX/XX/XXXX, I submitted all requested documentation properly to show that transaction for {$120.00} was not authorized, including proof of a conversation where merchant tells me to talk to the bank, since they do not recognize this transaction. After about 10 days of waiting, Capital One sends an email saying claim was denied and the temporary credit was taken away. I phoned in and asked for documentation on why they made this decision, service agent dodged my request and suggested I appeal to the denial. I appealed and waited another two weeks, denial again, this time because merchant did not respond with the information No other bank has ever sided with a party that did not respond or provide documentation. I again requested all documents from decision, again received nothing but a temporary credit that was taken away again. I again called, this time they told me Capital One was lending me the {$120.00} temporary credit and due to not receiving response from the merchant they took their money back. I was again instructed to dispute, so I did, and was told the dispute was submitted. Over a week has gone by ( I called on XX/XX/XXXX, it is XX/XX/XXXX today ) and Capital One has not sent a confirmation email, a temporary credit, or any sort of information about this claim, at this point they are dodging me and hoping I will tire of this game they are playing. I formally request this situation is escalated to the appropriate personnel, as this money belongs to me, the customer service I have received is subpar, and having submitted all proper documentation and not receiving any documentation back from them is a mockery and a waste of all our times. I have been dealing with this issue for almost four months for {$120.00}, this bank leaves a lot to be desired. See all attached documents for evidence.