23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XXXX XXXX XXXX, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit file nor have I received any documentation from CAPITAL ONE. 
Spoke with Representative on XX/XX/XXXX, they advised they still since balance due. If account was charged off, should not be reporting currently on credit file as well. 
I have also been reached by the debt collector, XXXX XXXX XXXX on behalf of CAPITAL ONE, debt has been purchased already. Several instances of committing fraud! 

I have attached the Copy B receipt from the IRS which has been paid in full and no amount is owed.
Product: Checking or savings account

My mother has had a checking account with PNC in her hometown, XXXX, PA for many years. Within the last 3 or 4 years, my mother decided to add me to her account in case I would need to do financial transactions on her behalf. Prior to this, I became a victim of identity theft months before. When the original account was opened, we decided not to participate in the online banking functions because my mother doesn't have a computer. Fast forward to this past XXXX when my mom tried to use her debit card and discovered her bank account was almost empty. On this same day, I received correspondence from PNC informing me I had opened ( 3 ) accounts online. Of course, I had no reason to open new accounts because I do my banking elsewhere.

When we reported this to the bank, we were told that since I'm attached to my mother 's account, the suspect ( s ) were able to get into her account and remove all {$3800.00}. After making all the proper notifications and personal visits to the bank, my mother recently received a letter from PNC Fraud stating they were declining her request to have the money returned. They were implying that we had made up this scheme and that we took the funds. Even though there is a paper trail as to the unauthorized charges, they didn't seem willing to investigate. They cite that the eleven online credit transfers ( All in 3 days time ) were a " Customer 's Historical Pattern of Use '', however, no such other transactions of this nature exist anywhere in her account history. My mother is XXXX years old, and the money is a considerable amount in her eyes. The bank just wants to write this off. I am asking for assistance in this matter and hopefully having PNC issue her a credit since they allowed this subject ( s ) to open up 3 checking accounts in my name online without any identification or monies deposited. 

Thank You XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX Experian Dispute by Mail XXXX XXXX XXXX XXXX, TX XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

15 U.S. Code 1692c - Communication in connection with debt collection. I want all this information deleted. 

Remove inquires : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX This account unauthorized remove late payments or account Remove names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received the first of several emails from a company sending me an unsolicited email stating that I have an account with them. I know that life is very busy, but I can't remember ever hearing of this company or furthermore given them any of my personal information or consent to contact me. I do not recall owing this company a dime and its highly probably that I have never contracted with this company. In order to resolve this confusion, I have requested VERIFICATION once again VERIFICATION of this alleged debt by all of the following items : 1 ) The original contract with wet ink signature 2 ) purchase order with terms and conditions 3 ) Name, address, phone number of the original creditor. 
4 ) Aggregated value, forward floor agreement, itemized billing associated with alleged account with billing history.

5 ) Proof of ownership 6 ) Proof that this company is even insured and bonded to do business in Michigan. 

If the company can not satisfy these perimeters within the allotted 30 days, given by law, I can only expect for them to follow the federal and state laws that state that they promptly cease all collection activity. Refusal to do so will result in seeking of monetary relief for any damages incurred to myself or my family. Thank you for your swift action to help rectify this mistake.
Product: Debt collection

Portfolio bank continues to add and remove collections illegally. I have asked for any viable evidence, bearing my signature, showing the account is being reported accurately and recieved nothing. filed a ftc id theft report and yet the harassment and credit hits continue
Product: Debt collection

When the CFPB check my previous and past complaints filed against Sallie Mae and the XXXX XXXX XXXX Agency, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX, XXXX. sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with Sallie Mae and I haven't received any updates from Sallie Mae since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my Medical XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, XXXX, and Equifax, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing.

15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information
Product: Credit card

On XXXX/XXXX/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on XXXX/XXXX/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number XXXX ). 

I received a letter dated XXXX/XXXX/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on XXXX/XXXX/2015, I advised them that XXXX XXXX was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the {$6900.00} credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of {$1000.00}. 

I just received a letter dated XXXX/XXXX/2015 stating that the credit of {$1000.00} was reversed ( see attached ) because " Customer benefited from use of card/participated in purchases ''. I DID NOT - my daughter, XXXX XXXX, was allowed to continue using the card after I called to have the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL XXXX/XXXX/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on XXXX/XXXX/2015 - the company acknowledged this in their XXXX/XXXX/2015 response. 

And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of {$6900.00} is {$340.00}. They allowed an additional {$1000.00} in charges - a difference of {$690.00}. 

I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of {$1000.00}. 

I am XXXX years old. I will pay the debt up to the {$6900.00} credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures. 

I expect a letter fully granting the original {$1000.00} credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. I sent a letter to Experian XXXX and XXXX in XX/XX/2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified r deleted from the file of the consumer.
Product: Debt collection

I purchased a mirror and other items from XXXX XXXX in XX/XX/2023. The mirror was to be delivered by freight and I paid for shipping through XXXX XXXX ( {$55.00} ), and did not agree to pay any additional shipping that XXXX XXXX arranged ( nor was I asked to ). I was never contacted by XXXX XXXX or XXXX XXXX and never ( i ) entered into any agreement with them, ( ii ) agreed to pay any amounts to them, or ( iii ) requested or contracted with them for shipping services. It is apparent that XXXX XXXX did to arrange for shipping of the mirror I purchased ( for which I paid XXXX XXXX shipping ), and so the mirror arrived via freight in XX/XX/2023. 

In XX/XX/2023, I received a statement from XXXX XXXX saying that I was past due on payment. I did not know what the statement related to, and on XX/XX/2023 I emailed the contact on the statement ( XXXX XXXX ) saying I have not contracted with XXXX XXXX and requesting him to " Provide appropriate details so that I may determine whether this statement is legitimate or fraudulent. '' I did not receive a response. 

In XX/XX/2023, I received another statement from XXXX XXXX repeating that I was past due on payment. XXXX XXXX was once again listed as the contact, and on XX/XX/2023 I tried to call him ( but was sent to voicemail ), and so the same day I emailed him again and reiterated that I have never contracted with XXXX XXXX for anything, and to please respond to my initial email and explain why I am receiving statements. I also said at that time that if I received another statement without explanation, I would report them to the appropriate governmental authorities. 

In response, XXXX XXXX looped in one of his colleagues, XXXX XXXX. XXXX XXXX then emailed XXXX XXXX ( with me copied ) and asked them to check the bill of lading, which was attached to the email, and advise if it can be billed to XXXX XXXX ( as it should, as ( i ) I already paid XXXX XXXX for shipping, and ( ii ) XXXX XXXX is the contracting party, not me ). The bill of lading also said on the " Invoicee '' line " XXXX ''. It was at this time that I realized what the debt related to, and that it is not my debt to pay. 

I assumed XXXX XXXX would pay the debt and that would be the end of it, but instead I received a letter dated XX/XX/2023 from Brown & Joseph LLC, which says they are a debt collector and that I owe {$150.00} to XXXX XXXX ( a subsidiary of XXXX XXXX ). 

Despite reasonable attempts to get XXXX to bill the appropriate invoicee and no basis for them to conclude that I ever agreed to pay them anything ( and knowledge as to who the correct invoicee is ), they have instead repeatedly sent threatening mail and now referred a debt that I do not owe them for debt collection. I do not want to pay someone else 's debt, but I don't know how to get them to stop otherwise. Please help me. 

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

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked. 
In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 
XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

Genesis management & XXXX XXXX called me very angrily. I was told that they will be pinging my credit every month & that I shave to set up arrangements As Soon As Possible. I informed them of my need for the original paperwork and signiture that I signed. The guy told me he would send it as soon as I set up payment arrangements! I have never dealt with Genesis management, they are aggressive & they are dropping my credit every month. This needs to be deleted! I need them to get out of my credit account dropping it. I told him ( XXXX ) that this is illegal!
Product: Credit card

The TJX Companies , Inc. 
XXXX XXXX XXXX XXXXXXXX, MA XXXX Dear sir, Today, I tried to use my reward certificate of your company, which number was XXXX with one djembe drum of XXXX priced originally {$49.00} but changed the clearance price {$3900.00}. However, I could not use this certificate and was told by a casher to call the office and tell the number. However, as I have already reported to your company the same issue, which my two certificates were unusable, I have decided to write a letter to complain this issue. I would like your company to explain why the incidents which I continuously receive the unusable gift certificates, even though your company states to give the certain rewards, which were unusable. I beseech to check the following certificates which I could not use at one of your shops : XXXX XXXX XXXX ( XX/XX/year> ) Since having mentioned in the letter of XX/XX/XXXX of XXXX, your company credit card issuer employee, XXXX XXXX XXXX, senior client affairs specialist of Synchrony Bank, stated to add XXXX points into my credit card reward and would issue {$20.00} rewards certificate next billing time, I request the mishappen amount of today, {$10.00}, also should be added to my next billing time. Therefore, I should receive extra {$30.00} reward certificates more. 
I seriously regret the happening today, that I have not been able to use my {$10.00} reward certificate to buy at your shop, XXXX XXXX, XXXX XXXX XXXX, XXXX Rt XXXX, XXXX, NJ XXXX to get Djeme drum made in XXXX, which usually cost about {$110.00}. I wanted to get one last summer at the street fair. That one was beautifully painted by the artist, and I immediately thought it was so expensive since I could not sell so much. My drum has such a pretty painting on the body and the casher, and I chatted pleasantly because it was so cute and made us so happy. She told me it must be joyful to play at nighttime. 
Sincerely,
Product: Checking or savings account

Someone withdrew money from my checking account using chase banks quickpay with XXXX without my authorization. I have never signed up for the service but chase allowed someone to withdraw money anyway. Now they keep sayi g I authorized the transaction and are demanding I prove otherwise. They also have frozen my account so I have no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number XXXX XXXX Please remove it from my credit report.

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I have asked Collection Svc Of Athens to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.