23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I filed complaint XXXX against Midwest Recovery Systems. I have also file a complaint against them with the AG of Texas and Missouri. In addition, I filed a complaint against XXXX XXXX with the CFPB and a complaint against XXXX XXXXXXXX XXXX XXXX with the XXXX  and AG of NY since those were the parties mentioned in the response to my complaint dated XX/XX/XXXX. 
Since my complaint with CFPB dated XX/XX/XXXX, I have received couple voicemails from MRS XXXX XXXX and XX/XX/XXXX regarding the alleged fraudulent debt, a clear violation of the FDCPA. While this account is in the validation phase, it is my understanding that all attempts to collect on this alleged debt via phone calls and contact from MRS would stop until they can provide me with a contractual agreement SIGNED by me on XX/XX/XXXX that binds me to the alleged debt. Apart from the phone, I have also received communication from an XXXX XXXX of MRS and an update of my XXXX   credit file on XX/XX/XXXX that caused my credit score to drop 66 point. 
It is my intend to also forward all of my correspondence regarding this matter to the FTC with the hope that MRS get sued for violation of federal Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazon syncB bank is on my credit report as a hard inquiry. I never applied for anything with Amazon. I never tried to get a credit card or see my credit nothing. This is wrong or fraud. I need help please thank you. As of XX/XX/ it was put on there.
Product: Credit reporting or other personal consumer reports

Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$5100.00}, seemingly related to credit card at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$7400.00}, seemingly related to credit card at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$1800.00}, likely linked to the personal loan account at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2500.00}, seemingly related to credit card at XXXX  XXXX. 
XXXX. A inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint [ # report ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

This account was paid in full last year 2019. I am tired of receiving different collectors on this account reporting to my credit bureaus. My next step is to hire a consumer attorney if this shows up again! This is the 3rd time that this account has been removed and reappeared. It needs to be deleted ASAP! I do NOT owe this and it was paid with the original creditor even before account was closed. Remove now and stop reporting this ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously submitted letter to Transunion, no response. Filed complaint via CFPB, the case was closed out and advised to allow an additional 30-60 days to remove unauthorized inquiries and update personal information. Nothing has been done on the complaint and it was closed out, when it has been well over 30-45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I read about the Equifax hack yesterday ( XX/XX/XXXX ), over the course of that night and the following day ( XX/XX/XXXX ) while at work I became more and more stressed out, I never used credit at all, except for my mortgage. I do n't believe in spending money you do n't have, so I 've never had, and never will obtain credit cards or get loans ( other than for my home ). When I got home from work today ( XX/XX/XXXX ) I immediately went to the FTC website to see what my options were, so I followed the directions, and my information is at risk according to Equifax 's website. I called XXXX, and while I could not get a live operator, I was able to place a 90 day identify theft alert on my credit report via the automated system. 

I just want to be left alone. Let me pay my mortgage, I never want anything else finance related.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint : 15 U.S.C 1681 I didn't authorize anyone employed by these companies to make any inquiry and view my credit .This is a serious violation of the fair credit Reporting Act Section 1681b ( c ) a serious breach of my privacy rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : its also states a consumer Reporting agency can not furnish a account without my written instructions therefore this need to be deleted off my account ASAP
Product: Credit reporting or other personal consumer reports

Yes I am a victim of identity theft and I have inquiries on my credit report from someone trying to apply for credit in my name I would like these deleted from my profile and I will upload supporting documents and inquiries that need to be removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

We are a family off 8 trying so hard to buy a Home but the credit bureau are fausly reporting the wrong information like my credit is so poorly no matter what I do my credit stay the same I feel like its racism to stop me to buy a home I am asking please help me so me and my family can get a place call home please remove and delete all the unfair information on my credit so I can move on with my life, XXXX lives matter, my family deserve a better life, the credits bureau keeping me and my family from buying a Home .destroying XXXX peoples from moving forward
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  I have made the company aware of this. There are a multitude of accounts on my consumer file as a result of this. Per law, they should be removed. I have supplied proof of who i am. As well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card

I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent.
Product: Credit card

I am writing as a loyal Amazon Prime customer to voice my concern about the use of Synchrony Bank for Amazon Prime Store Card. I know I am one of many, many, many millions of Amazon Prime customers but I feel it is important to express my disappointment in Synchrony Bank and if it is a common compliant from Amazon Prime loyalists, maybe a change could take place in the future. 

I have struggled over the last years to get my financial life back on track and am now heading in the right direction. I recently paid off my Amazon Prime Store Card balance. Prior to totally paying it off I never missed an monthly automatic payment. After paying off the card, I wanted to take advantage of my Smile Amazon to buy some holiday gifts, give to my charity designation and use the Amazon Prime Store Card for the cash back option based on the amount you spend. It was at that point that I learned Synchrony Bank had dropped my credit limit from {$800.00} to {$100.00} ( TO DATE, I still have not received a letter about this and as of my XXXX statement I still had an {$800.00} limit ). 

I called to voice my confusion to Synchrony Bank and after finally getting through to an American based manager ( it took a bit as the XXXX based telephone consultant kept saying " I am so sorry for your concern '' but would not connect me to anyone ). The manager informed me that Synchrony Bank runs regular credit checks ( every six months ) and she went on to list my credit rating and why my poor credit history caused my credit limit to be dropped ( very condescending in tone ). I asked if I had ever missed a payment with Synchrony Bank Amazon Prime Store Card and now that my balance was {$XXXX}, why would the Bank do that? She informed me it had nothing to do with my good payment history with the Bank or my XXXX. I went on and checked my credit score tracker and because of Synchrony Bank dropping my credit limit, I went down XXXX points on my credit score due to a " decrease in available credit '' from Synchrony Bank. So as hard as I had been working to increase my score over the last six months, it was ruined in one moment and I have less available credit for my Amazon purchases for the holidays. 

Sorry for this long email but I had to express my frustration and wondering if this has happened to other Amazon Prime Store Card holders. I certainly understand if the Bank does n't extend more credit but dropping the credit limit seems unjustified.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 XXXXXX/XX/year>
Product: Student loan

I was only recently made aware that some of my student loans have adjusted interest rates. Therefore the interest keeps increasing making my payments unrealistic to make. I also keep getting random emails regarding forbearances which I never agreed to. I have been making payments but dont believe this is making any impact.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Checking or savings account

My name is XXXX XXXX and I have been scammed out of XXXX dollars in payments Thru purchases and charges over my cc limits and money on line transfers that were to help XXXX and other soldiers  overseas  with equipment like computers to talk to family back home. I can supply a name-other people the XXXX XXXX who said he was in the medical side of the XXXX overseas. I have XXXX names and email addresses. This XXXX soldier uses the app XXXX and XXXX instant messaging. I can supply pictures, names, emails, and a picture of the tattoo on his back. Supposedly he -XXXX XXXX-lived in XXXX ph XXXX. Email- XXXX. Other names involved are-XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. He talked like a physician  but I suspect he was not really a physician. I sent money to the individuals above as he said they were the administrators and would see that the wounded XXXX XXXX  got their supplies. XXXX XXXX said he was XXXX descent if that helps. Can someone help me-I know I may not recover my money but I want this group stopped. I have devoted my life to helping Veterans with XXXX XXXX.
Product: Credit card or prepaid card

Signed up for the American Express Platinum card back on XX/XX/XXXX where it offered XXXX Membership points after spending {$5000.00} in 3 months. I would have to spend {$5000.00} by XX/XX/XXXX. 

I called on XX/XX/XXXX to confirm if I got the promotion and rep mentioned I did and that I am on my way to getting the promotion. 

I called again on XX/XX/XXXX to confirm how much I have left to spend to reach the minimum spending and to verify that I am still on the promotion. After further digging, the rep mentioned that I am not part of any promotions at the moment and that I will not be receiving any signup bonus. I've spent a total of an hour on the phone to figure out what happened and was told to contact Membership Rewards for further investigation on what happened. Unfortunately, the department was closed for the day. 

I called the Membership Rewards contact on XX/XX/XXXX and was helped by a XXXX XXXX. He mentioned that I will not receiving the Membership Points but he said he will file a dispute with me to upper management. XXXX called me few days later for a follow up and mentioned the decision stands and because I have had this card prior. I asked XXXX to further investigate because I did have not signed up for this card ever. He investigated and found that I indeed did not sign up for this card, but told me unfortunately it's a decision Amex has already made.
Product: Credit reporting or other personal consumer reports

I believe that this collection account is inaccurate and should be removed from my credit report. I have enclosed documentation that supports my dispute, including proof of payment, correspondence with the collection agency, and the fact that I did not receive a 1099 for this debt. 

Furthermore, I would like to bring to your attention that the date of the alleged debt is past the statute of limitations for collection in my state. Therefore, I request that this collection account be removed from my credit report based on the expiration of the statute of limitations. 

I request a thorough investigation into this matter and request that the collection account be removed from my credit report if it is found to be inaccurate, unverifiable, or past the statute of limitations. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate disputed items within 30 days of receiving a dispute letter. I request that this dispute be resolved within the required time frame. 

Please provide me with written confirmation once the investigation has been completed and the collection account has been removed from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information i.e. - first name, last name, home address are inaccurate ( XXXX, Experian, XXXX XXXX ). There are 2 charge offs ( Experian, XXXX XXXX, XXXX ), 1 Collection ( Experian, XXXX XXXX ), and late payments ( XXXX and XXXX XXXX ) and inquiries ( Experian ) that I have disputed numerous times and the credit bureaus keep giving me the same response. I also contacted all the agencies directly to take everything off and NEVER get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent dispute letters to XXXX, transunion, and XXXX to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within XXXX Business Days of receipt. and they weren't 1.XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) 2..XXXX XXXX XXXX 3. XXXX 4. XXXX inquiry on XX/XX/XXXX 5.XXXX XXXX  inquiry onXX/XX/XXXX6.XX/XX/XXXX inquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX 9.XX/XX/XXXX inquiry on XX/XX/XXXX 10. XX/XX/XXXXXX/XX/XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX Balance : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All XXXX fed loan accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX Is reporting XXXX late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reported to Affirm that an account had been opened in my name while I was living outside the XXXX ( I have been residing in XXXX for the past XXXX years ). At the time, a supervisor apologized for the mix-up and assured me it would not be reported on my credit report. However, XXXX years later, I am now seeing it on my XXXX report. How could an account be opened in my name when I dont even live in the country?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.
Product: Debt collection

PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.
Product: Credit reporting

I am trying to refinance with XXXX Bank. XXXX mortgage loans XXXX XXXXare showing up on my credit report as a short sale from a rental home I soldin XXXX XXXX, 2011. The loan numbers are XXXX for {$210000.00} and XXXX for {$39000.00}. 
I need proof from XXXX by way of HUD that this transaction of sell was complete. Thecompany claims that it does not have a record of this information. But it is showingup on all XXXX reporting credit agencies. I can not continue with my refinancing ifXXXX can not give me the information I need to close on my refinancing of my currenthome. I f they can not prove it, then it needs to be remove from the credit reporting agencies which XXXX Equifax XXXX.