23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text message from a company that was threatening and intimidating. They did not state what the text was about but threatened to send a quick-track enforcement team to my home or business. This is the text message I received : XXXX, we are sending out a XXXX XXXX team to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account. XXXX XXXX XXXX XXXX Carmichael & Frost . 

For help, reply HELP. To opt out, reply STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

I have had my loan with Citi Bank since XXXX. I was no the rapid pay, by paying morgage every two weeks. In XXXX I was laid off of my job and I contacted Citi about refinance for a lower rate. My rate is 9 % and from start of loan until XXXX I was never late. They never lowered my rate. In XXXX I asked for assistance and was told, I could do a short sale on my home that I had not missed a payment on. I lost all my savings, and XXXX k paying my mortgage when I did not have a job. I became employed in XXXX. I was totally broke by then and I struggled to pay house hold bills even though I had a Job. I turned off phone, cable and did not go on any trips for over a year. In XXXX XXXX I was informed on XXXX/XXXX/XXXX that my check was returned NSF. I was never called about this, when looking a my bank statement I had more money than I thought and I looked for my mortage payment and it was not taken out I called Citi and was told I had to pay for XX/XX/XXXX through XX/XX/XXXX payments and fees from the attorney. While speaking to the agent, they was calling the wrong number and sent information to wrong email account. I was not notified of a Forclosure until XXXX/XXXX/XXXX. When I asked for my represenative she was very rude and short with me. I provided her with correct conact infomation and she gave me the attorney number and said I could do a short sale. I only owe {$69.00}, XXXX. I have asked XXXX to allow me to continue every two weeks payments so I could keep payments up and get out of debt, and was told " no we dont have that program anymore '' I feel that Citi is not helping me and want to take my home. I have not been given a court date to dispute the Forclosure. I would like my original payment of every two weeks and an new support person for assistance.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CREDIT COLLECTION SERVICE Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) https : XXXXXXXX XXXX XXXX XXXX XXXX? XXXX please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below wich still appers on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies ar highly injurious to my credit score, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and bussiness addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your reinvetigation. 

XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 i was notify of a collection from Commonwealth financial system i have no knowledge of this company i have never signed a contract with this company i have never done business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   is reporting late payments for  XXXX  and  XXXX   XXXX  on a credit card that was closed in  XXXX  and completely paid off  XXXX .
Product: Money transfer, virtual currency, or money service

PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX 1.account locked 2.funds on hold 3.refused to give a valid reason why I couldn't access my funds. 
4.asked to have my funds released and I would no longer do business with them 5.the account in mension XXXX 6.The amount XXXX I was recently informed by PayPal that my account would be limited in the amount of XXXX because I violated their user policy I reviewed the policy and i violated none of their user agreements.I contacted them to and asked what user policy I violated and I was told by them " we don't accept your business '' .I told them I don't have a business and then they proceeded to tell me something triggered there automatic system, and would have to wait 180 days to have my money released to me even though though all my transactions where by myself and to myself they refuse to release my funds and when I ask them about it they either answer with something irrelevant to the topic or they just try to obfuscate me with things that clearly have nothing to do with the questions I asked.They can give no definitive reason why they can't give me my money back or release it to. 


The practices being used by PayPal in this regard are shady and uncalled for no reason why it Should be a 180 day hold on funds that belong to me when they can give a definitive reason why they are withholding funds. 


I have no interest in doing any kind of business with them at all and I just want my funds released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and Experian, XXXX, XXXX  saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXXXXXX 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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried previously to contact Avant Credit Card customer service and received notification from my previous complaint that the problem complained about was fixed but Im noticing today on my XXXX credit report that there is not one error saying late payments or over credit limit with avant but multiple reports from avant going back on my report months and months times so multiple corrections need to be made asap I just made a payment with them via phone today XX/XX/22 and my payment was not even due until XX/XX/22 I dont know why they will not correct this its effecting me negatively on my credit report I tried to get a loan Ive always paid previously with my bank recently and even though previously never late and always paid in time I got denied another small loan
Product: Debt collection

I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this statement from Equifax about removing the public record on my credit report, they said that I used a credit repair company. This is an assumption that is false and inaccurate. I did my own dispute on the cfpb website. 


The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/personal/disputes if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi so as I'm typing this I called Transunion Credit Agencies and I've been on hold for over 48 minutes none of them are trying to help me resolve this issue. They keep transferring the call to different rep who don't know what to do to resolve my concern. I have about 8 accounts with XXXX XXXX and XXXX XXXX that are showing up when I log in to view my credit score through my bank which is XXXX XXXX  but the Credit Agency they are associated with is Transunion. When I logged in it showed under review " credit view dashboard " it shows all these collections accounts which the creditor did agree to DELETE them from my report. They actually did remove them with XXXX  and XXXX  however, Transunion is acting like they can't see the information when I'm asking them to file a dispute they are blaming my bank, but the bank is NOT the credit bureau this is information that only they have access to remove. I would like to know what I can do to have this resolved I'm attaching the screenshots for your review and consideration ASAP!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Experian, and XXXX will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account XXXX Per letter received from XXXX XXXX dated XX/XX/year>, the account above has been confirmed as fraudulent use of my identity. XXXX XXXX has taken the necessary steps to close this account and remove any derogatory information regarding this XXXX XXXX account from your credit report. As such the account need to be removed from my credit reports immediately per the letter.
Product: Debt collection

On XXXX, the amount of {$2100.00} is owed to the XXXX of XXXX XXXX XXXX XXXX. I received the mail on XX/XX/XXXX. 
I received a debt of the above amount but have never used the XXXX emergency line or the hospital emergency room before. This debt can not be mine because there is no record of me using an emergency line. Why this debt is under my name is absurd and puts me under duress.Please resolve this as soon as possible
Product: Checking or savings account

Wells Fargo has a history on me that goes back to XXXX and I recently tried to open a XXXX XXXX with them. They would not classify the account correctly. They insist on changing my status to a citizen. I am not nor have I ever been a XXXX XXXX. I was born into the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I have proof of this. My account should not read any other status but the one I state. 

I also gave them a copy of the reservation paperwork for my living being which I have notarized and submitted to the Secretary of State, both forms apostle and authenticated to receive the secretary of Pennsylvania seal and numbers. 

This documentation was not applied to my account and it was closed because of their lack of due diligence. As such I would like an accounting completed nonc pro tunc to verify all payments and funds that are due to the estate be accounted for.
Product: Credit reporting or other personal consumer reports

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

I hope this message finds you well. This is my follow-up complaint regarding the submission dated XX/XX/XXXX. Despite our previous correspondences and the efforts made thus far, the fraudulent items remain unresolved. These entries are causing significant distress and negatively impacting my financial standing. It is imperative that immediate action is taken to rectify this situation and remove these inaccuracies from my credit report. I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Below are the fraudulent items that need to be removed from my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; 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
Product: Debt collection

Midland Credit is reporting to my credit bureau that I owe them {$840.00}. I do not recall having two accounts with XXXX XXXX. I am only aware of 1 account which was paid and closed. That reflects on my credit bureau and that was for {$300.00}. The collection company will not send any proof that it belongs to me. No signed contract or anything. I have had fraud done to me. This is why I currently have a fraud alert active. I have disputed through the bureaus but the collection company keeps saying its valid but will not supply any proof. The credit bureaus do not ask for proof, which I feel like they should. To help the consumer. All they do is send the information to the collections. So how is that a dispute? They also added {$1.00} to the account to try to start over the process and statue of limitations. First they said it was {$840.00}. Then as of XX/XX/23 they new balance is {$840.00}. How can they just do that. That has to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue where my current car lease from Mercedes Benz its showing a late payment for XXXX and payment was never late
Product: Credit reporting or other personal consumer reports

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX  ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Product: Credit card or prepaid card

Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. 

I prepay account spend over {$500000.00} per year.
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, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been having my information being stolen by XXXX XXXX being hired by to be draining my accounts for economical damages with my privacy using Ai to steal my information and buy my checking accounts to make deals to overdraft with fees and to steal my information to organize crimes to throw me in jail to damage my reputation since 2015. I have had massive fraud and scheme being organized using Ai with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for espionage and account information theft to steal trade secrets. Please investigate