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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Portfolio to discuss a settlement for the account originally reported by XXXX XXXX, who stated they are not reporting the debt at all. I have waited more than thirty days but no response has been sent and I have had no contact. I am attempting to negotiate a settlement of {$200.00} for the account balance of {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion XX/XX/XXXX, in which they show receivedXX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called onXX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.
Product: Credit reporting or other personal consumer reports

Notice Of Dispute I took accessed my credit report for the first time in a while and I noticed ACHIEVEPL XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account ACHIEVEPL  XXXX. 

XXXX XXXX : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account ACHIEVEPL XXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account ACHIEVEPL XXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so. 

I expect a timely response, along with the requested documentation, to be sent to the CFPB Portal for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected. 

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

At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and Equifax stated that the items are under investigation and XXXX has done nothing. 30 days have passed and I sent my SECOND request to Equifax and XXXX, Equifax stated again under investigation and XXXX  has again done nothing which is why I decide to come here for help, please help me
Product: Credit card or prepaid card

In XX/XX/2022, I have attempted several times to dispute the transactions with XXXX, but either they do not understand, or they just refuse to listen. I have listed the items in the attached papers, with the final amount disputed of : {$1100.00} Two the excursions I did not even go on, those two amounted to : {$370.00} ( See yellow highlighted area ). They did in fact acknowledge that they charged me twice for two other items and would issue a credit for that. 
Then I was charged a total from this card, a total that I am disputing with you, but only {$1200.00} was authorized, as XXXX had already charged my XXXX ( Checking Account ) in the amount of {$1100.00}. 
I have attempted so many times to explain the discrepancies with them, but they have refused to understand that I was overcharged and charged for items I did not attend and timely de-scheduled. One of the items was canceled, and then put back on the schedule, but by that time they had already taken me off the schedule and I was scheduled for something else. 
Please kindly review the included documents and I dispute the complete charges from XXXX. I accept the listed items but I do not find it fair I have been charged for items either twice or in absence of me attending due to their error. 
Despite the many emails sent to CitiBank Credit card, and the ample documented evidence, they have refused to refund me the monies owed. I showed them the duplicate charges, that even XXXX admitted to but nothing is ever done. This is a substantial amount of money and Citibank refuses to do something about the many documented fraudulent charges made by XXXX, including the duplicate charges. 
I started my dispute with Citibank XX/XX/2022, realizing the duplicate and non-participating charges ( they said I went on excursions, I clearly did not ). I got nothing from them, and again requested assistance in XX/XX/2022, then after a denial of the claim because someone failed to read the CLEAR duplicate charges and the non-participating charges made in such an egregious amount, it was denied again. They were not even looking into it or disputing it for me. They let XXXX get away with clear amounts of fraudulent charges.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in notices about inaccuracy of my credit file in XXXX and XXXX of XXXX. Last correspondence was sent via USPS and is attached to this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a line of credit online.through creditfresh, It gave a vague, and confusing explanation of the fee schedule, a lot of that information was withheld. 

It provided a breakdown of your biweekly payment amounts based on the amount you advanced. 

I took out {$2500.00}, my first payment was {$110.00}. Their website showed my balance went from {$2500.00} to a little over {$2700.00}. I was in shock. I called the company and they told me my biweekly payment is {$160.00}, which if there are three payrolls in the months, you make three payments. So payments are ranging from a little over {$300.00} to {$500.00}, of those biweekly payment {$25.00} goes to the principal and the rest to interest. That means, unless I make extra payments, literally nearly all of my payments go to fees, my balance would continue to increase indefinitely. 

There would be absolutely NO way to ever pay this off. Unless I had {$2500.00} sitting around, or more. I have never in my life had a laon that took advantage such as this company. They are worse than pay day loans, and are sneaky hidding the fees. I told them if they did jot negotiate those fees, I will not continue to make any payments, as this is a prime example of predatory lending. 

They refused to negotiate or lower the fees.
Product: Credit reporting or other personal consumer reports

I'm writing this because ive never been late nor missed a payment yet my credit reflects differently. I've mailed docs in XX/XX/XXXX and havent received a response from your company. I'm getting ready to seek litigation and I want to resolve this matter before I do. 



Case XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. Since you have found any proof, then update it to " paid as agreed, never late '' XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX Account : XXXX Un-authorized Inquiries XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.
Product: Credit reporting

This is with reference to XXXX XXXX & XXXX. My wife and I bought a XXXX XXXX from the XXXX. We took delivery following the accident that we were in back in XXXX when we were hit by XXXX XXXX in the XXXX XXXX XXXX accident. Per the Maine XXXX XXXX, Source XXXX and all Credit agencies to remove ALL negative credit reporting pursuant to XXXX XXXX malfeasance. To date, this has not been done. The Credit bureaus were under the direction of the Maine XXXX to remove information and did not. They can not claim that they did not know or were unaware of the expectations that were placed on them. I want the, Credit Bureau to remove all reporting from both my wifes report as well as my own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately.

Disputed Accounts : XXXX XXXX XXXX ( XXXX XXXX ) : Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Additional Accounts Ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX, {$430.00} balance XXXX XXXX XXXX ( # XXXX ) Opened XX/XX/XXXX, {$300.00} balance 2. Inquiries : I do not recognize the following inquiry and request its investigation and removal : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Background on Previous Actions : Experian ( XX/XX/XXXX ) - Dispute filed ( Reference : XXXX ). 

XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ), XXXX XXXX ( # XXXX ) - Disputes previously filed.


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above. Sincerely
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX 2010 I co sign for my son s car payments have been made till toda y XXXX more payments are due to paid off the loan today I received a notice that my credit score has drop by XXXX? points the loan is up today allied fin I think is out of control or the people they employee. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report.Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Loans were from XXXX  and are in a borrowers defense case The amount totaling XXXX  With and interest of XXXX  Principal of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2023, I received a text message alert from XXXX XXXX XXXX stating I was behind on a payment and that my account is maxed out to the sum of {$2200.00}. I contacted XXXX XXXX XXXX and they show no record of having an account with them, however they still reported it to Equifax which caused a XXXX point drop on my credit score. 

I contacted equifax to advise them that I wanted to dispute the information given to them by XXXX XXXX bank to restore my credit score to where it rightfully belongs and I was informed by them I would need to file a complaint with the FTC before anything could be done.
Product: Debt collection

I am a victim of identity theft. I ask that this debt be removed from all three credit bureaus and any rental history reporting agencies.
Product: Consumer Loan

When I purchased my new lease I specified I wanted my payment due date to be the XXXX of every month. Every bank I 've ever done business with ask you this very question. When the first payment came in the mail, the due on the XXXX of every month. I contacted U.S. Bank to have the payment date changed to the XXXX of every month. In the end I was charged a {$50.00} fee and only allowed to move the payment due date by 15 days.
Product: Credit reporting or other personal consumer reports

misspeled names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX  XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as | requested. I do have a contract with XXXX XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX XXXX they did not provide me with original contract as i requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract XXXX XXXX  they did not provide me with original contract as | requested. | do not have a contract with XXXX they did not provide me with the original contract as | requested.
Product: Payday loan, title loan, or personal loan

I filed bankruptcy on this company but they still are contacting me and sold my old information to another company
Product: Debt collection

I paid my HOA Dues using a Cashier 's Check. HOA committed Grant Theft by stealing my Checks ( 12 Cashiers checks works {$1400.00} ), after filing a small claim in XX/XX/XXXX HOA asked me to dismiss the case and accepted they have my checks but didn't cash it.

HOA sent this for collection and Allied Trustee Services, ignored the fact that payment was made using cashier 's check, a small claim was dismissed after mediation and they put a wrongful Lien on my property and they are now calling me to threaten to foreclose the home If I don't pay {$7300.00}.

Multiple mediation efforts with HOA Since XX/XX/XXXX Emailed Allied Trustee Since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

MY NAME : XXXX XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
ALL CREDIT BUREAUS HAVE HAD DATA BREACHES, AND ALL ( cra 's ) ARE CORRUPT WITH HACKERS AND SCAMMERS. 
ALL CRA 'S HAVE VIOLALTED THE PRIVACY ACT = IS IDENTITY THEFT AND FRAUD AND FAKE CREDIT REPORTS WITH FAKE ACCOUNTS, FAKE SOFT INQUIRIES BY XXXX XXXXXXXX SCAMMERS. 
DELETE ALL FAKE NAMES, DELETE FAKE PHONE NUMBER XXXX & DELETE ALL INFO & DELETE FAKE XXXX XXXX XXXX  IS NOT MINE XXXX AND XXXX FOR ALL CRA 'S ARE MISUSING MY SOCIAL SECURITY NUMBER IS A VIOALTION OF The Privacy Act. 
POLICE REPORTS ATTACHED. 
XXXXLOCK FCRA 605B ALL MY CREDIT REPORTS FCRA 605B & Delete all soft inquiries ARE NOTPERMISSABLE WITHOUT MY PERMISSION.
Product: Checking or savings account

I opened an account online with Citi a few weeks ago at the beginning of XXXX. I had funded my account with XXXX mobile check deposits and an ACH bank transfer from another account. Citi unjustifiably deemed a perfectly fine checks as fraudulent and closed my account without adequate notice. The ACH transfer was supposedly sent back to my originating bank, but there is no supporting record of that, as the bank has refused to show supporting bank statement documentation of the return. I am still waiting to receive my money at either my new Citi account or my originating bank.
Product: Vehicle loan or lease

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Received a letter from Rubin & rothman LLC about debt that not been validated, the information is inaccurate and incorrect.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : XXXX ) THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR XXXX ) VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT XXXX ) ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT XXXX ) ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO 5 ) Pursuant to local state laws as well as the FDCP and FCRA, I'm requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 

UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtor 's credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as Idispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation.
Product: Checking or savings account

In XXXX of XXXX we were notified by our landlord they did not receive our rent check for the month of XX/XX/XXXX. The check total of {$1900.00} was stolen and deposited into a XXXX XXXX XXXX account. My bank is Chase. we proceeded to file a claim with Chase as well with the police and currently waiting for the subpoena to go through. Chase informed us that it can take up to 90 days to hear back. We heard back a week ago and XXXX XXXX declined the claim because it wasn't made within 6 months of the incident. Chase is also refusing to refund us the amount.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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