23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX XXXX XXXX XXXX XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the radiologist that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The radiologist want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The radiologist went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX   XXXX  XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XX/XX/2019. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.
Product: Debt collection

Bank statesmens had wrong charges on a closed account. 
I made a statement for the bank stated that I did not use the account. 
The creditor agreed to cancel debt and remove from my credit. 

Later another credit collection agency filed the account on all three credit bureaus. 
Named XXXX XXXX XXXX has been reporting this information on my credit. 

They have no proof that I had any debt with them, no identification, no verification, And no signed agreements by me to repay anything or admitting that such debt was mine.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and was shocked to learn I have been a victim of identity theft under US code 1681b. I found an account on my credit report that was not open by me. This is hurting me as I am in the process of buying a home for my family.
Product: Credit reporting or other personal consumer reports

I have attached a screenshot that shows both XXXX  and Equifax response to ON TIME PAYMENTS which DECREASE the overall account balance. How is it that they do NOT match up? XXXX raised my score by XXXX points, while Equifax DROPPED my score by XXXX points. It's as if they are attempting to punish me for paying my credit card account on time rather than raising my score like the other XXXX consumer reporting agencies did. When you pay down your utilization, your score is supposed to go up, not down. This is clearly misuse of my report and I demand that this be fixed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following inquiries Below reported are not mine. 
To the best of my knowledge, I have not signed any documents authorizing these companies to pull my credit, which means they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

15U.S.C 1681 Section 604 A section 2 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 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

The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX Notwithstanding that these inquiries are not seen by anyone but me and will not be used in scoring my credit file, the point is that the named companies have neither any legitimate business relationship with me, nor any open collection account with me, and therefore they have no valid reason whatsoever to access my personal credit history. In order to protect my privacy, I demand that access to my personal credit file, via inquiry or any other measure, be granted to only those companies that have a legitimate business relationship with me or have received my prior, express consent to do so. Or, shall I have no alternative but to pursue a class action suit against TRANSUNION in federal court, by reason of reckless disregard for consumer privacy laws?
Product: Debt collection

Sent cease and desist letter on XX/XX/2015 and sent another notice XX/XX/2015. I was on XXXX and file a renewal for XXXX at a different location twice, but XXXX of XXXX, LA. lost paperwork.
Product: Debt collection

Commonweath financial systems is the creditor is there saying that there is a dead from XX/XX/17. This is the first time I ever heard of this debt seven years later and they want to collect {$1300.00}. They have no proof that this is my debt I have asked for something with my signature on it and they can not provide me anything. All they wan na do is collect his death. This is a fraudulent debt by this company. I know other people that have gotten letters from this company demanding payment on a debt that doesnt exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided documentation from the car dealership that the car was sold to them before the payment was due. XXXX also provided letter to EQUIFAX STATING I never had a late payment. EQUIFAX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The XXXX account was never late I need that fixed
Product: Debt collection

In XXXX  I requested XXXX never received then i requested in XXXX a validation letter. 
no response
Product: Checking or savings account

XXXXMy debit card was stolen and used at a XXXX store. The amount charged was {$1200.00}. I immediately called bank and had debit card cancelled and all credit cards cancelled. The restaurant also filed a police report. I logged into my TD Bank online banking app that evening to make sure the perpetrator did not access my checking account and steal any money from my checking account. 

XXXX filed a claim with TD Bank. 


I waited for months to hear back and they denied the claim. I received a letter on XX/XX/23 stating they denied claim. I called to ask why and was told that I need to submit a police report. On XX/XX/23 I started a new claim. Claim # XXXX. On XXXX, I received a letter stating claim was still being denied. I attached the police report, the checking account statement which showed the unauthorized charge and also my credit card statement which showed the perpetrators using my credit card at several other stores in the same shopping center at the same time. 

XXXXWent to branch and resubmitted all documentation along with a letter asking for an explanation for why the claim was being denied. No one responded by letter, email or phone call. 

XXXX I called to follow up and was told that I needed to get security footage from the place where theft took place. On XX/XX/23, I received surveillance footage of the two women responsible for stealing my wallet out of my handbag. It is visible on the surveillance tape. 

I also called XXXX and asked if they had security footage and no one has returned my call. 

XXXX called TD Bank to follow up on my claim. No one has contacted me with any info on why my claim is denied. I asked to speak to a supervisor and she said that I needed to go back to the branch and resubmit or open a new claim because my claim was " closed. '' The supervisor was going to submit a Smart Form and " escalate '' my case. She was going to personally forward all of my evidence to the fraud investigation team. She said she would need a few days and she would get back to me personally. No one has responded to me. 

XXXXI went to TD Branch and had them reopen my claim. Claim # XXXX
Product: Debt collection

These 2 Collections XXXX XXXX XXXX they keep reporting They continue to report these 2 accounts that were reported by the original creditors as Charge off more than 7 years ago and have already met the status of limitation, they should be removed and every time I dispute with the bureaus ( XXXX and XXXX ) they say Verified but where is the evidence of the dates. please i need help i am frustrated and i can't use my credit to help my daughter for her college.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, Equifax by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX - Account number - XXXX XXXX  - Account number - XXXX XXXX OUTSOURCING - Original creditor : XXXX - Account number - XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number - XXXX __________________________________________________________ XXXX XXXX NA Important dates Inquiry date Dec 14, 2022 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Product: Vehicle loan or lease

Please refer to your XXXX. 

This account is for a XXXX car lease through XXXX XXXX XXXX from 2014 ... 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. 

I have XXXX children in college, and this is continuing to hurt my credit with all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Direct Express says i am dead and suspended my Social security account. I  have been trying for over 2 weeks to get someone from direct express or social security to help me. I have called both DE and SS many times and have been to my local SS office 1 time so far, I plan to try again tomorrow. I am almost out of money and i really need some help.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report. This fraudulent information consists of accounts, hard inquiries, and collections that I did not authorize and that are the result of identity theft.

Specifically, the following accounts are fraudulent and were neither opened nor authorized by me : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ). 
A personal credit card account opened at XXXX on XX/XX/XXXX ( Account NumbeXXXX : XXXX ). 
A personal loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Account Number : XXXX ). 
A credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2900.00}. 
A credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ). 
A credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ). 
In addition to these fraudulent accounts, several hard inquiries and collections have appeared on my consumer credit report, all of which are also the result of identity theft. 

I have attached a list of the fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by you, which reflects the fraudulent accounts, inquiries, and collections. I do not recognize any of these accounts, collections, or hard inquiries, and I affirm that none of these transactions were initiated or authorized by me. 

All of the accounts, collections, and inquiries listed above are the result of identity theft and fraud. For your reference, I have also attached a copy of my FTC Identity Theft Report ( Criminal Complaint # [ private case number ] ), which serves as official proof from the U.S. Federal Trade Commission that these items are fraudulent. 

I request that these fraudulent accounts, inquiries, and collections be blocked from my credit report within 4 business days, as required by law.

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent items have been removed from my credit report. 

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

I am in complete disbelief, as a lXXXX XXXX this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Product: Debt collection

according to my research 1. Before reporting to a credit bureau, debt collectors must attempt to contact you, either in person, by phone, or through a postal letter or electronic communication, and wait a reasonable period of time to see if a notice of undeliverability comes back.

I did not nor to this day receive ANY communication, I still do not know if this is a debt buyer or the capacity of this company. Although they have validated with zero information.

2 Not only have they validated the information to be correct when it is NOT, they have violated the fcra by re aging the debt on XXXX. Stating XX/XX/2023 as last delinquency. 
This account has caused be to be XXXX  in a XXXX not only by its existence but making it seem like a more recent delinquency. The problems it has. caused me has been far reaching including XXXX  issues with my XXXX  because of lack of housing
Product: Credit card

I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months. 
Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter. 
It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled. 
Please assist me in this matter. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to view my report online in their Web site.
Product: Credit reporting or other personal consumer reports

icuracao finance illegally reported Financial Transaction to all credit reporting agency resulting in damages to me the consumer and my credit report and violate my privacy according to the Privacy Act of 1974 and faild to report pay as agreed when payment was made in full and wrongfully charge off the account and closed it even when the account is showing open
Product: Credit card or prepaid card

The following account is not mine CAPITAL ONE BANK USA N Account number : XXXX Date opened : XX/XX/2017 Please remove it from my credit report This was unauthorized and against the law
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX Recovery Associates Account # XXXX Recovery Associates Account # XXXX Funding Account # XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy . 
15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i have accounts opened on my report i have no knwledge of an didnt even know abiut til now an its not right thats is on there if its really not me XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, XXXX  and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus
Product: Credit card or prepaid card

I received a text from my bank at XXXX am on XXXX XXXX asking about some fraudulent charges. I immediately confirm the chargers were fraudulent. The bank closed the cards. My credit card # was stolen at dinner on XXXX XXXX at XXXX XXXX in XXXX XXXX. I was on in Florida for 24 hrs from XXXX on the XXXX to XXXX XXXX  on XXXX XXXX. On XXXX and XXXX XXXX, while I was in Washington state, purchases were made. 
Charges. XXXX  XXXX XX/XX/2021. {$16.00} : XXXX & XXXX XXXX XX/XX/2021 {$67.00} : XXXX XXXX XXXX XX/XX/2021. {$330.00} : Parking XXXX XX/XX/2021. {$6.00} Bank of America claims to have investigated and holds me responsible for the full amount, despite they caught it first, I immediately reported it as stolen. I believe all charges should be removed from my account. Bank of America refuses to even abide by the consumer protection laws and hold me to the {$50.00} as the law states. 

The attached photos have dates and locations to show where I was on the dates, also a copy of a different credit card statement showing my charge for the Washington state ferries on XXXX XXXX along with a XXXX charge in XXXX XXXX Washington and XXXX XXXX XXXX XXXX for dinner. Also attached is my work flight schedule showing my flight inbound on the XXXX and outbound on the XXXX. I had house guests on the XXXX and XXXX if necessary I can have them attest to my presence at home.