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

After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of XXXX FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2.  XXXX XXXX-several late payments
Product: Checking or savings account

SchoolFirst Federal Credit Union in XXXX CA,XXXX allowed my ex-wife to remove my name from the account without my consent. This happened in XX/XX/2020. I was not able to withdraw any money from my account and was in financial difficulty for some time.
Product: Checking or savings account

A service charge in the amount of {$20.00} was deducted from my checking account on XX/XX/XXXX. I have had a banking relationship with Citizens Bank since XX/XX/XXXX, and I have not previously been charged a similar fee. The charge appeared simply with the description of service charge and I had no idea what it was. 

On XX/XX/XXXX, I noticed this {$20.00} service charge and sent electronic correspondence through Citizens Banks online banking platform questioning the charge. In my correspondence, I requested that the purpose of the charge be explained. I also requested that, if the amount was charged in error, to reimburse the {$20.00} to my account. 

Five days went by without any response from Citizens Bank. On XX/XX/XXXX, I sent another message through Citizens Banks online banking platform asking when I could expect to receive a response. 

On XX/XX/XXXX, I received a response from Citizens Bank representative XXXX XXXX The representatives message was a form letter, but the message advised that by maintaining a monthly combined balance of only {$20000.00} in all your linked Citizens Bank accounts you can waive the monthly maintenance charge on your Circle Checking account. The representatives message offered no redress to my specific complaint, nor did the message provide any explanation as to why the charge was being imposed for the first time ( after many years of owning this account ). 

This appears to be a new interpretation by Citizens Bank. Again, I have had this account for many years and have never been charged a similar fee. I have no record of ever consenting to maintain a {$20000.00} minimum account balance. My Circle Gold Checking account was opened many years ago, and based on the fact that it is no longer referenced on the Citizens Bank website, it appears to be a legacy account type ( i.e. only " Circle Platinum '' accounts seem to be referenced now ). As  such, it is clear that Citizens Bank now intends to charge me a monthly fee of {$20.00} unless I fund this account with a minimum balance of {$20000.00}. I do not consent to this, and I find the unilateral imposition of this pricing to be deceptive on the part of Citizens Bank.
Product: Debt or credit management

I am completely XXXX, my mother has been handling my account/affairs. My ex left me with a huge debt. She was only a co-signer on account. The other accounts are paid off. XXXX XXXX negotiated with Discover and I signed the XXXX XXXX XXXX XXXX. XXXX XXXX takes money out of my checking and payments are handled by XXXX XXXX XXXX. I paid {$8000.00} ( XXXX ) up front to show my seriousness towards getting this paid off. My debt was to be complete XXXX. XX/XX/year>, according to XXXX XXXX, Discover ( represented by XXXX XXXX XXXX ) stopped accepting payments. Discover/XXXX  wants XXXX full amount ( originally {$44000.00} ) The players in this fiasco are XXXX XXXX who promised to protect and get me through this process. XXXX XXXX collected my monthly payment and dispersed payments. XXXX was a legal group assigned to monitor and protect my file. XXXX XXXX, attorney in XXXX XXXX, Texas assigned to handle the lawsuit. I signed the XXXX XXXX promptly. XXXX XXXX was late in responding ; however Discover was accepting my payments ; the XXXX XXXX eventually was handed over. Payments were accepted until XX/XX/year> and out of the blue decides not to honor the agreement. I have done everything-EVERYTHING that was expected and I have not been protected by any of the parties involved. For awhile I was working with XXXX from XXXX XXXX. She assured me XXXX XXXX was accepting responsibility ; however she did not document these statements in the file and now she is on XXXX XXXX. I have no backup except phone calls are supposed to be recorded for " training purposes ''. XXXX was let go and XXXX XXXX replaced XXXX and XXXX XXXX. They are expecting me to accept the default situation and pay out the final monies. Over {$5000.00} has been taken out of my account to make up for XXXX. I am not liable for these dollar amounts as I kept up my end of the agreement. I have documents and a series of emails that I can provide. I can provide phone numbers, account numbers, and a lot of names that have not assisted me. Most people do not return calls. I contacted XXXX XXXX 's office and XXXX her office representative strived to find answers and she gave me this site. My mother handles my affairs, has dual POA, and is available anytime at the number given. I NEED HELP.
Product: Credit reporting or other personal consumer reports

Hi Equifax, THIS IS THE SECOND TIME I REQUEST TO DELETE THOSE 8 FRAUD INQUIRIES FROM MY CREDIT REPORT. 
I NEVER APPLY OR DO BUSINESS TO ANY OF THOSE FRAUD INQUIRIES AND I CALLED EACH OF THEM BUT I WAS TOLD THEY DO NOT HAVE MY NAME ON THEIR SYSTEMS. 

THOSE FRAUD INQUIRIES BELOW SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> BCSS XXXX inquiry date : inquiry date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/year>
Product: Debt collection

I used to have phone services with XXXX XXXX when I lived in XXXX XXXX. I move to XXXX in XXXX and had disconnected the service. The phones was traded in with XXXX  which, according to XXXX  paid the total of {$1800.00} to XXXX for switching carrier. XXXX contacted me multiple times in XXXX and reported the matter to the credit reporting agencies. I did file a complaint with the XXXX XXXX XXXX. I sent them a statement from XXXX that the phones were paid off. The matter was settled and the collection notice was removed from my credit report. 

On XX/XX/XXXX, I received a call from Jefferson Capital System, located XXXX XXXX. XXXX  MN and they indicated that they were a debt collector. I told them that the debt was invalid. On XX/XX/XXXX, I received an alert of a COLLECTION by Jefferson Capital System - XXXX XXXX XXXX XXXX, XXXX XXXX  MN XXXX on my credit report in the amount of {$1800.00}. This is a FRAUD as they are pressuring me to pay {$1800.00} which I do not owe. 

Sincerely, XXXX XXXX
Product: Credit card

In XX/XX/XXXX I opened a HELOC with Citizens Bank NA. As I went through the renovation process on my house, I ended up refinancing this HELOC several times, all with great dealings and interactions with Citizens Bank.I was on autopay and never ( even to date XX/XX/XXXX had a late payment on HELOC account. 

One day in XX/XX/XXXX, I received a letter in the mail stating that my account was 90 days past due! Highly confused, I called Citizens Goldmember Services, and stated that this was impossible, as I was on autopay. After some digging, I learned that during my original closing ( XX/XX/XXXX ), They had opened a second line of credit for me that I was unaware of. I assumed one of the papers slipped into the closing documents was an authorization form to open this, but it was never brought to my attention, and I have yet to see a copy of this form. 

After some further digging we discovered that one of my accounts has become overdrafted, and pulled from this second credit line. With no autopay in place, it was not payed back automatically. Further I was never contacted either by phone, nor by mail about this overdraft, until the 90 day late notice. I concluded this call by paying the late fees and balance, and setting up an autopay on this credit line, but I felt sick to my stomach as I had never in my life been 90 days late on any credit account. This has obviously had a huge impact on my XXXX. 

As I began preparing to purchase an investment property last fall ( XX/XX/XXXX ), I decided to call Citizens Bank. After several phone calls and several letters they have refused to acknowledge their poor business practices in the closing of the original HELOC, and they have also refused to notate or remove the derogatory 90 day indicator on my credit report. I want the CFPB to be away of this case, and would be happy to answer any questions or clarify any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX Experian and/or XXXX ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Debt collection

I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with  XXXX   XXXX   XXXX . in  XXXX   2016  and is now an active wage garnishment since around that same time.
Product: Debt collection

Dear CFPB, I am filing this complaint regarding an alleged debt being reported and collected by [ Debt Buyer/Collection Agency Name ]. I believe the actions of the third-party debt collector and/or original creditor violate federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Lack of Valid Contractual Agreement Under 15 U.S.C. 1692g ( b ), I requested validation of the debt from the collector. To date, they have failed to provide adequate documentation proving their legal authority to collect this debt, such as a valid assignment agreement or a signed contract showing my obligation to the original creditor.

Unlawful Reporting of Inaccurate Information According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, information furnished to credit reporting agencies must be accurate and verifiable. The debt collector has not substantiated the accuracy of this account or provided proof of my responsibility for the alleged debt. I request its immediate removal from my credit report if they can not validate it.

Unauthorized Sale or Transfer of Debt Per 15 U.S.C. 1666h, I have not been prov
ided with evidence that I consented to the sale or transfer of this debt to a third party. This raises concerns about the legality of their collection efforts.

Violation of State Laws and Time-Barred Debt Additionally, this debt may violate [ insert state law, e.g., statute of limitations ], as it appears to be time-barred or outside the legal period for collection.

Resolution Requested : I respectfully request the CFPB to : Investigate this matter and require the debt collector to validate the debt with proper documentation ( e.g., original signed contract, complete payment history, proof of legal assignment ) .Ensure the removal of this debt from my credit reports if they can not provide sufficient validation.Cease all collection activities immediately if the debt can not be proven valid. 
Provide written confirmation from both the debt collector and the original creditor regarding the resolution of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, Experian and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently pulled my Experian credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with XXXX  and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX  Acct # XXXX XXXX/XXXX  XXXX  Acct # XXXX
Product: Credit card or prepaid card

Received a credit card from XXXX XXXX XXXX that I did not apply for. Later received a replacement card that I did not request.
Product: Credit card

I am writing to formally dispute a charge on my credit card for services that were not fulfilled as promised by the merchant. Below are the details of the transaction and the issue : Transaction Date : XX/XX/year> did not start until XX/XX/year> and started complaining on XX/XX/year> Transaction Amount : {$480.00} Merchant Name : XXXX XXXX XXXX XXXX Transaction Reference Number : XXXX XXXX The merchant promised to produce and send real estate seller leads. They stated that it would take about four weeks after payment to start receiving these leads. However, I have waited far beyond this timeframe and have yet to receive any leads as promised. 

After 60 days, I contacted the merchant to inquire about the delay and was met with generic, copied, and pasted responses that did not address my concerns or provide a solution. To date, I have not received a single seller lead as promised, and the merchant has not taken any accountability or made any efforts to rectify the situation. 

I feel misled by the merchants promises and am now out {$480.00} with no quality leads or any seller leads as initially agreed upon. Given these circumstances, I request that this charge be reversed, and my account credited for the full amount of {$480.00}. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran my credit report due to drastic 100 point drop in my credit score. 
Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX of this year 2023 I received a statement of some sort from Chase Cardmember services. My eyes popped out of my head when my son opened it and said mom Chase says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX  XXXX XXXX and won same type of circumstances. I owe nothing to Chase I've never even stepped foot into a Chase. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. Chase is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX XXXX XXXX you might be a big company trying nto steel from the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for XXXX times or XXXX times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to Chase is STOP fix my credit and I'm suoing you for elder abuse. XXXX contacting state attorney general office, gavins office im going to blow this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.