23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ended my lease and paid all my outstanding balance on XXXX then closed my account ( in XX/XX/XXXX ). 

In XX/XX/XXXX I noticed that my XXXX score was severely damages due to a {$110.00} debt to XXXX, I went straight to their portal and I didn't have an account ( because I had already paid my balance and closed the account, it is impossible to close an account with outstanding balance ) Even though I do not have an invoice that proves that that balance was mine ( and not the person living at the property after me ) because they didn't provide a bill or gave me access to the portal, I ended up paying it with the collection agency My XXXX report still shows that debt and the score is still very low - XXXX added debt to my account several weeks after I paid all my balance, and they allowed me to close my account- XXXX didn't let me pay online nor provided details on the bill - The collection agency never emailed me or a letter, they said that they tried calling me but didn't communicate this - Out of the blue, my XXXX score got ruined - Only out of desperation I paid online, and they have not fixed the situation
Product: Credit card or prepaid card

On XX/XX/2022 I made a online purchase from a online website called XXXX. Fake counter fake jewelry advertised as 14kt Gold ring. I took rings to authenticate metal and was told by pawn broker and jewelry store items were fake. I reached out to XXXX about returning items to seller and was immediately blocked by seller ; XXXX the vendor closed my case indicating window for returns was 3 days, I had just received items 2 days prior so my window was not closed! I contacted Discover Credit to dispute this charge and was told they opened investigation but never contacted me ; upon several attempts on my behalf to submit correspondence from sellers I was then after the fact told by Discover I required to get a Certified Counter fake investigator to sign off or provide me a letter with [ his ] Certification Seal indicating items are fake. I asked where I can find this entity? I was told by Discover to hire a lawyer! To provide me more details!? I was confused this requirement seems unreasonable as Discover is supposed to protect me. I need a resolution
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. Below is a list of the inquiries that were made without my authorization : Unauthorized Inquiries : Inquiry 1 : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 2 : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 3 : Date : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 4 : Date : XX/XX/2023 Source : XXXX XXXX. 

I request a more thorough review of these inquiries and any additional steps that can be taken to rectify this issue.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$45.00} to Bank Of The West at : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I opened Checking and Savings. 

The next day I was hospitalized and unable to accomplish moving automatic deposits and other items that would otherwise be directed to this account. I remained hospitalized on more than one occasion and spoke with B of W personnel - explaining that I would be unable to attend to the matters - that I was XXXX and could not drive for a time. I requested the account be " FROZEN '' and that no further activity be allowed until such time as I could resolve this issue. 

B of W personnel assured me there would be no issue freezing the account - there was no activity and although a debit card was issued to the WRONG address - it was never activated and there was absolutely NO activity on the account whatsoever. At that time I requested the Account to be closed. Customer Service told me I would have to come in ( in Person ) to do this. I explained I was XXXX and not driving - and they persisted that this would have to be done IN PERSON. 

On XX/XX/XXXX I was issued a letter stating that my accounts were OVERDRAWN and that if I didn't bring them up to a current standard and pay the OVERDRAFT FEES that they would be starting Collections Actions and making a poor credit report about my banking activity / inactivity. 

On this day XX/XX/XXXX I spoke to the Bank 's Customer Service and they stated essentially the same thing - that despite the fact that I deposited {$45.00} and froze the account that they had SERVICE CHARGED ME to a ( - {$20.00} ) and that I would have to PAY TO CLOSE THE ACCOUNT FOR GOOD!!! 

This can't be good banking - and can not be legal. They did NOTHING for me but service charge me - not one single transaction - NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all three credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take bankruptcy off my credit report immediately. 

At this point of my life I was not behind on any payment and my credit was fair. My credit card debt was under {$650.00} and my car note loan was under {$5000.00}. My mortgage debt is {$160000.00} and my payment was on time. the only I was getting information on how to removed fraudulent activity because someone did identify a thief in my name and brought some vacation home package. ( XXXX XXXX XXXX, XXXX. When I asked what information was on file the company couldn't release that type of information. 

I FILE PAPERWORK FOR A PROBATE CASE IN A DIFFERENT LOCATION. My personal information like identification numberc, ard and ssn number and address was uploaded to the court files by a clerk on accident. THE only think im quilty of is askinfg the clerk peaper work on how to clearv my name. i didnt konw the bankrupty will be process cause i didn't pay for any or owe c also hand a probate case going and the court clerk upload my California driving license, socail security nunber, address and all my person business to the internet on accident for anybody can see it. 




XXXX XXXX XXXX, XXXX. IS Fraud. I didn't do this at all PLEASE REMOVED THE BANK
Product: Student loan

They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) XXXX File NumberXXXX Equifax Report Confirmation:XXXX  XXXX Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT XXXX : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX   ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO Equifax XXXX XXXX BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Credit Collection Services, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. The date of last activity is wrong on my XXXX, XXXX, and XXXX reporting companies report. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this
account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, XXXX  and, INNOVIS Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Money transfer, virtual currency, or money service

After I opened a crypto trading account with Coinbase Inc. and purchase crypto coins from this company, about a few days later I noticed that around the equivalent of {$2000.00} were missing from my account. 
I immediately tried to contact the company and after several times and emails I was told that my account was hacked and the funds were sent to an external account and that my money cant be recovered. 
There are many complaints against this company from many consumers for the same issue. 
I believe it was an inside job.
Product: Debt collection

Please see my attached identity theft report. I have already disputed this account due to it being fraudulent, unauthorized and a violation of FDRA, and TILA. This company is unlawfully operating and illegally communicating and publishing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Educatican /XXXX  , XXXX, XXXX XXXX XXXX , and XXXX  XXXX violated my 609 rights by reporting incorrect informatio to Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX reported to the Exerian that I applied for credit in which I never applied for. They have violated m rihts to have fair and accurate iformation on my credit report. 


My personal information o my credit report is inccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Debt collection

I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown
Product: Credit card

Dear Sir, Today I received a mail notification of " Payment not received '' from " synchronybank '' which is for XXXX credit card. 
I remember that I 've never applied for any such kind of credit card and never been in contact of synchronybank. Also I never requested any such kind of credit card. 
I was using only XXXX credit card which is of XXXX XXXX XXXX. Other than that I never applied for any credit card. 
My current location XXXX, and I do not have any way to contact with synchronybank, because they 've not mentioned any mail communication link in the provided link XXXX 

I do n't have any account with this bank and also they have not mentioned any credit amount in the mail. 
It 's a clear case of fraud activity. So, I request you to please guide me how and what the action can I take against the synchronybank in this situation. 

Awaiting for your response. 

Thanks and Regards, XXXX XXXX
Product: Credit card

For quite some time, I have been on the opt-out list for receiving credit card and insurance mail solicitations. Today, American Express mailed me a solicitation for their " Premier Rewards '' credit card. Surely, this established company has access to opt-out lists and can see that I 'm on it. People are tired of this XXXX. Please have American Express stop sending me their unwelcome solicitations or promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of this account. We will pursue {$1000.00} for this violation if the account is not deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). Equifax, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.
Product: Vehicle loan or lease

XX/XX/19 received letter in mail regarding denial of car loan due to credit score Called number listed Was asked to give my social Told there was no information and to call the dealer. 
Company was regional acceptance cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank N.A, Best Buy Credit Card accessed my credit report without any consent from me. When I called and attempted to fix teh issue by advising the company that the inquiry was done without any authorization. The company seemed confused and said they had no record of the credit request despite it being on my credit report. When requested that they withdraw the unauthorized request they acted confused and disorganized. This request was fraudulent and done without any authorization and needs to be removed. A large bank should know better than to request credit without authorization and should have a means to correct their mistakes.
Product: Money transfer, virtual currency, or money service

Venmo has frozen access to my account even after I have verified my identity multiple times. I have showed them my photo ID which is my driver 's license as well as bank statements and they're still holding my account with no explanation. All I did was add money from my bank and as soon as it went through venmo froze my account. This is fraud because venmo is lying and not giving me access to My Money!
Product: Debt collection

Midland mailed a post card to me that anyone could see and know I had credit issues. If they wanted to communicate with me it should have been in a discreet envelope.
Product: Debt collection

In XX/XX/XXXX I joined a school called XXXX XXXX XXXX and I took a private loan out for the amount of $ XXXX. Before I could finish the program XXXX XXXX XXXX went bankrupt. XXXX XXXX XXXX ( my loan provider and the preferred choice loan for XXXX XXXX XXXX ) went to court in Nevada. The Nevada courts decided that neither one of those two companies were at fault for their fraudulent actions and did n't protect us little people by protecting us against XXXX XXXX XXXX. So basically since I did n't complete the program that was suppose to give me a career, I did n't pay back the loan. I could n't afford to pay {$1400.00} a month on a loan for a certificates I never was able to get and for a job I was never able to get. I should n't be held down by these companies who for some reason have no heart for we the small folks. I did n't pay on these loans and never will ... XXXX XXXX XXXX XXXX dropped off my credit back in XX/XX/XXXX. I lived with bad credit for many years. I have since repaired my credit and had it in the low to mid XXXX 's. On XX/XX/XXXX this year a company called XXXX XXXX XXXX picked up or bought my old out of date student loans and turned it over to a collection agency called Professional Bureau of Collections. PBC has put these old private student loan debts back on my credit by saying it is new and they are also saying I paid on the loan in XX/XX/XXXX which is a lie. I called PBC and told them what they are doing is illegal by saying my old debt is new and the debt had a payment in XX/XX/XXXX. I called XXXX XXXX XXXX but they will not return my calls.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my ongoing efforts to correct inaccuracies on my credit report, specifically regarding a late open account, charge off, and late closed items. 

Despite multiple attempts to address these issues, they persist on my credit report, impacting my creditworthiness and financial standing. I have provided detailed documentation and evidence to support the correction of these inaccuracies, yet they remain unresolved. 

I kindly request an update on the status of my requests and urge you to prioritize the correction and removal of the late open account, charge off, and late closed items from my credit report. Your prompt action is essential in restoring the integrity of my credit history and ensuring fair and accurate reporting. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXXXXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit card or prepaid card

I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX   which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.