23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Lendmark Company has been calling me every day and weekends. Im with XXXX and the had talked to Lendmark but they tell me that they can get in touch with XXXX. I called XXXX today and they said that they been in contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$7100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Money transfer, virtual currency, or money service

I was scammed I paid via Bank of America XXXX {$400.00} then {$600.00}. I tried to get my money back but no avail. I have receipts and proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be XXXX XXXX accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX XXXX. XXXXXXXX XXXX XXXX XXXX states I have right to privacy. 
XXXX XXXX XXXX XXXX  XXXX also states that XXXX report agencies can not furnish my account without my permission. 

They also violated my XXXX rights. 
I had no knowledge or consent of my medical info being disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XXXX, I was also approved for the Income Based  Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at transunion she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies Transunion, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.
Product: Credit card or prepaid card

I applied for and received a Barclays Bank issued XXXX Mastercard on XX/XX/XXXX. Upon approval, I was immediately handed a Credit Card Cardmember Account Summary Initial Disclosure with my name, address, Authorized Initial Purchase Amount and Interest Rate clearly defined as 16.99 % with a 0 % on XXXX purchases for the 1st 6 billing cycles. After that APR would be 16.99 % and would vary with the market based on Prime Rate. This agreement was printed off the Barclaycardus.com/apply/Application.action with time stamp of XXXX XXXX. When the agreement with full Terms and Conditions arrived with my XXXX Mastercard, APR was 6 % higher then the interest rate on the Initial Disclosure and now my 1st monthly statement has interest rate listed at 22.24 %. I have written and faxed all paperwork to Barclays requesting an explanation on the change in interest rate as well as requesting APR returned to the original 16.99 % as stated in Initial Disclosure. On XX/XX/XXXX, Barlcays responded with a letter stating they were currently unable to complete my request. No explanation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One gave us a grace period for a couple of months during the early part of the pandemic. We turned off our auto pay. We received a notice in XXXX that we had missed a payment that nearly a month late. We promptly responded, paid the late fees, and then paid of the remaining balance by the third week of XXXX. The car loan was closed out 6 months early. We have never been 30 days late during the time of the loan. It was just a clerical oversight. We normally had automatic payment. Capital One never contacted us first before filing the delinquency with the credit bureau. Our credit scores have dropped by 50 points because of this. This action is an egregious abuse of power especially during such a steep economic recession. We even made a payment during the brief covid-19 holiday they gave us.
Product: Credit card or prepaid card

I received an email from AMEX Serve saying that my account had been suspended for violating term 15d. I contacted the company and they could not give me any information other than filing an appeal with the back office to which a response would come in within 2 business days. Two days have come and gone and I still dont have a response. Meanwhile my monthly direct deposit of my VA benefits had not been received and they can not tell me if it was rejected.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : XXXX XXXX XXXX Barclays for Deceptive Practices I am writing to address a matter of significant concern regarding my recent interaction with Barclays. In the month of XX/XX/XXXX, I applied for a credit offer from Barclays with the understanding that I would be entitled to a {$15000.00} credit balance at XXXX XXXX XXXXXXXX. This offer was extended to me based on my XXXX XXXX, which was above XXXX at the time. 

Enclosed for your reference, you will find the promotional material I received. It prominently highlighted the terms of the offer, including a XXXX XXXX promotional XXXX  through at least XX/XX/XXXX, and a requirement that any balance transfers must be posted by XX/XX/XXXX. However, upon closer inspection, I discovered a XXXX XXXX  " transfer fee '' in the amount of {$600.00}, associated with this credit amount. This fee was conspicuously absent from any proper disclosure and was notably excluded from the material terms listed above. 

The lack of transparency regarding this fee has left me feeling misled and dissatisfied. Had I been properly informed of this additional charge, I would not have pursued this offer. This omission constitutes a clear violation of fair practices and has caused me financial distress. As a result, I am seeking a full refund of the {$600.00} fee that was not properly disclosed. 

My dissatisfaction is further exacerbated by recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) against other institutions for similar misleading practices due to a failure to provide proper disclosures. 

Despite reaching out to Barclays several times, both via phone and in writing ( twice ), I have received no response or acknowledgment whatsoever regarding the issue outlined above.
Product: Credit card or prepaid card

I would love to send dates and times of transactions but the company SELF LENDER has not allowed me access. They are a financial company that helps build credit through various way. I advanced to XXXX XXXX of obtaining a secured XXXX XXXX of XXXX XXXX Somehow my card was allowed XXXX plus dollars to be charged. I did not agree to these terms. the card is secured with a XXXX XXXX. this brings up several problems. I have contacted them over XXXX times. they make it extremely difficult. they are not open on weekend and overall shady practices. they have not resolved my issues and it is ridiculous. For XXXX XXXX to be a company who is in business to help people rebuild there credit it hurts even more. During a pandemic. BEYOND A NIGHTMARE
Product: Credit reporting or other personal consumer reports

I am formally requesting the deletion of these charge-offs from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) ( a ) ( i ) of the FCRA. 

XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX This section states that when a debt is charged off, that means the creditor wrote it off on their taxes and received a profit It's illegal if the creditor didn't send a 1099c because charge offs are considered income by the IRS. The IRS considers a charge-off to be income, and it may be taxable. A charge-off is when a lender writes off an account as a loss because it's become too delinquent. The lender may forgive or cancel the debt for less than its full amount, which the IRS treats as income for tax purposes. The lender may send the borrower a Form 1099-C, " Cancellation of Debt " which the borrower must report as taxable income on their tax return. Income can not be reported on a credit report. Furthermore, I would like to emphasize that the presence of inaccurate or outdated charge-offs on my credit report is in violation of the FCRA, which mandates accurate and fair reporting of consumer credit information. 

I kindly request that you conduct a thorough investigation into this matter and delete the charge-offs from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report. Please provide written confirmation once the charge-offs have been removed from my credit report, as required by law.
Product: Credit reporting or other personal consumer reports

i am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : 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> Under the FCRA , credit inquiries from companies I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries also violate the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting or other personal consumer reports

See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Unknown Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, DEPTEDXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX with XXXX with the offer that I can get XXXX XXXX XXXX points with a net spending of XXXX within the first three months. After I reach the spending threshold and the 8-week waiting period, the bonus was not credited. I used on-line chat to talk with XXXX representative, and got confirmed that I had met the requirement for the advertised bonus. After another two-month wait, the points has n't arrived and I have n't received any updates from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Reporting Agencies is BREAKING THE LAW!!!!!!!!!!!!!!! 
I sent lettes disputing 7 accounts on my consumer report on XX/XX/XXXX and mailed it certified return receipt requested. I received notice in the mail that they received my dispute letter XX/XX/XXXX. It is now XX/XX/XXXX and I have not received response from them. Per the FCRA section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period the accounts must be deleted.15 USC 1681 congress makes the following finding 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Congress states Consumer reporting agencies ASSUMED a vital Role and because of their assumption severe hardship, XXXX XXXX XXXX has concurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These consumer reporting agencies are sharing my Information with XXXX XXXX without my permission. These consumer reporting agencies were not there during these transaction. How do they know these transactions took place? 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy .These consumer reporting agencies are reporting and sharing erroneous information without my consent. First the CRA should have consulted with me first the CONSUMER. They have no proof of these transaction. Infringed upon my right to privacy by having a conversation about me with a 3rd party. They are impartial because they allowed information to be reported while only hearing onside of the story. 15 USC 1681 ( a ) ( B ) THEY DID NOT MEET THE NEEDS OF COMMERCE BECAUSE THIS IS NOT FAIR OR EQUITABLE. 15 USC 1681 ( a ) ( d ) ( 2 ) Exclusions from a consumer report info not accurate of or relevant. Pursuant to 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer report, no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss. Transactions should have confidentiality.15 USC 1681n Consumer reporting agencies are now civilly liable for willful noncompliance.
Product: Credit reporting

A wrong name and address is listed on the credit report under my personal information. 
The following personal information is not me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} XXXX {$9100.00}, {$9000.00}, {$8400.00} Experian : XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the XXXX XXXX XXXX  under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account.

It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 


Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity thief
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being sent in response to notices sent to me from " SYNCB/CARE CREDIT '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming SYNCB/CARECR as an entity entitled to enforce a commercial claim against me.
Product: Checking or savings account

There have been unauthorized charges from XXXX since XXXX, 2022. I have reached out to XXXX but to no avail.
Product: Debt collection

XXXX XXXX sent their invoice to my secondary insurance carrier ( XXXX ) for more than a year -- and not to my primary insurance XXXX. I made two phone calls and sent FIVE letters telling XXXX that they had to bill the PRIMARY insurer first. I even made sure this was changed when I was AT the doctor 's office. I do n't know if they never did this, or if they waited the year and a half before they did so, but at that point ( 1 1/2 years after the dr visit ) my company changed insurace to XXXX. Apparently now XXXX is not paying since it is so long since the original visit -- and I ca n't blame them. XXXX is at fault for not billing the correct insurance company in a timely manner. I would be willing to pay what I would owe AFTER what the insurance would have covered, but I am not willing to pay this entire $ XXXX bill that is XXXX 's fault. They have now filed with MiraMed Medical Group, a collection agency to collect this bill and this company is not interested in how this came to be. I 'm about to buy a house -- and I have a STELLAR credit rating -- so I do n't want this diminishing my credit score! Please help! 

I do have copies of the letters I have written, but would need to take cell phone photos and email them to you, I do n't have a scanner.