23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a statement dated XX/XX/XXXX after I made a One Time payment offer of {$130.00} claiming I still owe {$1300.00}. Accompanied with this statement was a letter headed by the collector, this one dated XX/XX/XXXX that references the account number and reads as follows, To Whom it May Concern : Please see attached paperwork for the 1 time payment Quick Discount Agreement that was made online for the Account ( Leaving blank here as stated above ). Per the online payment agreement would resolve the account at a discounted rate. Please Honor that agreement as the one time payment of $ XXXX was made on XX/XX/XXXX. Please note that this is to settle the debt and it is not my acknowledge of liability. Please report to credit agencies as paid in full or the equivalent best case scenario and have this removed from my credit files SINCERELY, MY NAME INSERTED HERE With the above statement was a photo of the online payment that was made which shows the title stating Pay in! installment followed by, Quick Discount allows you to make a one-time payment and resolve your account at a discount. TORAL {$130.00} ( DISCOUNT : 75 % ) I called today XX/XX/XXXX to ask about the confusion in the letters received and was told that the one time payment was not for an agreed amount of {$300.00} which was not the case giving that the online payment clearly shows and states the discounted 1 time payment was in fact for the amount of {$130.00}. i Spoke with 3 individuals on the matter due to being transferred a few times. I can provide their names if requested. At the end of the conversation, the Manager claimed she can no longer help me since i don't want to agree with her terms and that she would not honor the letters sent by their company and would in fact not resolve my account and then hung up on me after a sarcastic " HAVE A GOOD DAY ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX ( Original Creditor : 01 XXXX XXXXXXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For the past two years, I have had a credit score of over 780. I had never missed a payment, ever. I have two open credit cards, one is a Cabelas Credit Club Card. I rarely used the card, only using it for emergencies. I have never had a late payment on it. When Capital One took over Cabelas Credit Club Card in early XX/XX/XXXX, they magically found a charge on my card from XX/XX/XXXX that was not paid. It is XX/XX/XXXX, and my credit score was  never impacted by this/this information never existed for two years. However, when Capital One took over, my credit score dropped 100 points to XXXX. I called Capital One, and I paid the balance of {$13.00} and closed the account. I am looking to buy a house and while my credit score is still good, it is not where it once was. It is just frustrating that this charge was " found '' this year. Nothing was done to remedy my credit score.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, & consumer profile and there were accounts and information that didn't belong to me
Product: Checking or savings account

On XXXX  Wells Fargo illegally paid out from my Wells Fargo checking account that is clearly fraudulent. " Proof of Payment '' to an American Express account made by " XXXX XXXX '' in amount of {$4500.00} ( attached ). Post filing fraud complaint with Wells FargoXXXX XXXX, Wells Fargo claimed this is a legitimate payment and no further action taken. This is in direct violation of Consumer Financial Protection Bureau ( CFPB ) section 1005.6 Liability of consumer for unauthorized transfers. 

XXXX records shows I have no American Express detailed in XXXX XXXX contrary to what Wells Fargo claims. XXXX shows no open American Express accounts belonging to me for 20 years. Wells Fargo claims ( ref XXXX ) the IP address originates from Nevada thus a valid transaction. 

Wells Fargo claim using IP address covers all Nevada and does not refute their own proof of payment facts that are shown in their records. 
1. Who is " XXXX XXXX XXXX who made this transaction as seen in proof of payment? 
2. Why is the address shown on proof of payment over 20 years old and no longer valid? 
3. Show me which account that was paid to American Express. I've contacted

American Express and they have no record of this payment. 4. American Express is not listed i
n my bill pay ( per Wells Fargo claims ) for decades.
Product: Credit reporting or other personal consumer reports

I discovered that my personal information has been exposed with the XXXX data breach. I am very upset that my privacy has been exposed.. I am also upset that fact that I have not given anyone written consent to share my personal information 15 U.S.C 6802 obligation to disclose personal information. Where is the accountability? To my unsderstanding as a federal protected comsumer all financial institution must protect the right for privacy. Due to the fact my personal information was exposed I am demanding the non affiliated agencies such as XXXX, XXXX and Experian to delete all accounts listed with the FTC report below. This is my formal written consent to remove all unathorized accounts from my consumer report. 15 U.S.C 1681b ( 2 ). I have attached a copy of the screen shot the XXXX data breach results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a washer and dryer at XXXX XXXX XXXX Arizona XX/XX/2018. When they ran my credit they said they could not finish because I had a lock on my account and it was Experian that was holding my credit due to a lock for 6 months which I did not authorize.Reference number is XXXX. They said call Experian so an automated service came on and could not understand that I was calling to remove any lock on my credit and after calling 3 times I had to leave the purchase until this was cleared up.This is the second time that Experian has caused me trouble. At this point lawyers are processing another failure of wrong information on my account from 5 years ago. How is it that you can not reach a human being when this automated service then said it was notifying other agencies to put a 6 month freeze on my account.This is an unfair system that only harms people with good scores.
Product: Credit reporting or other personal consumer reports

The following accounts listed on my credit reports are being reported illegally and are fraudulent for the following reasons : 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 XXXXXXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. The above items are being illegally reported as charge-offs. I was never provided LEGAL details of what would happen if any of my accounts were to go into a default status. The Credit Card Agreements do not provide any LEGAL definition of an account going into collections or being noted as a charge-off. I have attached the credit card agreements for you to see. There are several very important issues that are not addressed. XXXX ). What is the LEGAL definition of an account in collections? XXXX ). What is the LEGAL length of time that an account is in default that it can go into collections? XXXX ). What is the LEGAL definition of a charge-off? XXXX ). What is the LEGAL length of time that an account is in default that it is considered a charge-off? Neither the credit card agreements nor the FCRA give any type of LEGAL definition of the terms above. It appears that companies can just make up the rules to whatever suits them at the time. Meanwhile, it is the people who suffer. I demand these accounts be removed from my credit reports due to a lack of informed consent, according to 15 USC 1602 ( k ), which makes them illegal to be reported as a charge-off. As you can also note, the 3 credit bureaus are not reporting the same information, which also makes them less than 100 % accurate. According to 15 USC 1681 602 ( a ) ( 1 ), " 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. '' Also, for this second reason, I demand the accounts be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX ,  XXXX , and Equifax are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Product: Debt collection

I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.
Product: Debt collection

XXXX removed this collection company off of my credit file. I have submitted investigation report to XXXX and to Experian showing the removal of this item from my XXXX report. XXXX XXXX is not the debt collector for this alleged account. The reason for removal is that XXXX XXXX XXXX did not have to legal authority from the original creditor to place this inaccurate information on my credit file. That is why XXXX removed this account. I have ask and sent supporting documentation to Experian and XXXX showing the collection has been removed. They both have sent back in less then 24 hours that the information has been verified through their quick investigation. I'm requesting Names, Written Contract and is the companies registered to collect a debt in the state of Maryland that has reached it's statue of limitation.
Product: Credit card or prepaid card

In XX/XX/XXXX I made 2 purchases on 2 separate dates from XXXX XXXX XXXX  XXXX through XXXX. In XX/XX/XXXX, I received a partial shipment from one order, the order was missing items and even had a note saying they were out of one item and they would refund me. I contacted the seller, then I only received partial items from the second order. Since XX/XX/XXXX I have been contacting the seller at least monthly about these items missing. The seller kept telling me she was taking care of it and aware. XXXX comes around and I message her again, she tells me to contact her assistant. I do as instructed, the assistant tells me she does not handle orders but will remind the owner. Another month or so go by and nothing, I reach out to the assistant again and she tells me that she already reminded the owner and the owner said she is aware and taking care of it. More days go by and I receive no response. Early XXXX, I message both, owner and assistance and express my concerns for the missing items since it has been so long. The owner becomes very defensive and tells me there is no way the missed that many items, and that she even has to sign off on some of them. She refuses to look back through our conversations to help her have a clear picture in her head of what I am talking about. She finally tells me she will look into it and to give her a couple of days. 2 weeks go by and no response, I message them again for an update with no response. I file a dispute with my credit card company Discover card. They validate 2 out of my 4 disputes but have been unhelpful about the two disputes with missing items. She did send some bags, but that does not mean she sent me all the merchandise I paid for which comes out to be about {$1000.00}. 
While I have always been happy with Discover, they have failed to keep me up to date on status, I've had to call them weekly, then they said those charges were valid on XX/XX/XXXX, I called again on XX/XX/XXXX and the agent sent the cases for supervisor review. Here we are XX/XX/XXXX and no response after calling for follow-ups weekly. On XX/XX/XXXX I requested to speak to a supervisor at Discover and they said no one was available but that someone would call me back within 48 hours- no call as of today XX/XX/XXXX. However, I just received two emails telling me once again the charges were valid. I have provided extensive documentation of my conversations with the seller where she is telling me she is working on it and yet nothing happens, I have even sent them the conversations where the seller becomes hostile towards me for filing the disputes. I have been a long time customer of Discover and it is very concerning that they won't even take the time to call me when I request to speak to a supervisor. This seller just took {$1000.00} of my hard-earned money and I have no support from my credit card company.
Product: Credit card or prepaid card

yes XXXX XXXX useing my ssi information for this credit card fraud on my credit report address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, Experian and XXXX. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Product: Credit card or prepaid card

I never has requested any application for this card. The attendant at XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX FL XXXX PH : XXXX XXXX XXXX on XX/XX/2020, do the application without my consent. 
I feel my personal and consumer rights were violated in a very bad way
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask to three credit bureaus Equifax to verify the bankruptcy they are reporting on file. They have responded saying they have already verified it with XXXX XXXX. PLEASE find attached a copy of a letter sent to me by XXXX XXXX saying they do not have this information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

Chase closed my checking account and refused to refund the funds in it to me. They asked me to validate a few checks, but the way it was done was logically impossible. chase required the person who wrote the checks to bring their id with me to a chase branch to validate them. But these checks were from the sale of my XXXX XXXX We only have a transactional relationship, they are not my friends or family, so why would they agree to go to the branch with me? And I can confirm that none of these checks were disputed by the person who wrote them, so what is wrong with these checks?
Product: Credit reporting or other personal consumer reports

I'm writing you all for the help and removable of some inquires that I see that was request but not by me. i have reach out to the credit bureau and yet no repones and no response from these listed companies. i notice my name is wrong on there file and a list of nun verify numbers and address. 

these inquires are. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Nation start starts calling on the XXXX of the month 3 times a day. They push on me verifying personal information and they get very rude, when I tell them I do n't give personal information over the phone. I have told them multiple time that I cant talk due to being at work and they call right back. I have asked they contact me by mail only and they still keep calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BankruptcyXXXX Case Number : XXXX. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX BANK XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Student loan

I want to file a formal complaint about how MOHELA is refusing to discharge my loans in a timely manor after being notified by XXXX and myself that my loans were discharged as I am a class action member of the Sweets V. Cardona settlement. I have provided MOHELA with information the XXXX XXXX XXXX sent my Loan to you in error. I have provided MOHELA with the necessary information regarding my loans being discharged and I demand this be reflected with MOHELA and all loans from MOHELA be removed from my credit report. At this time MOHELA is well aware of the facts of my case as I've spoken to MOHELA and XXXX who sent the loans over in error. MOHELA is costing me thousands of dollars in interest and borrowing power by allowing loans to be on my credit report in error. Please remove these loans according to the information MOHELA can acquire from XXXX the loan servicer who has been notified by the Dept. of ED that my loans have been discharged. All relevant information has been uploaded to MOHELA. Once again MOHELA is violating my financial rights, and their obligation to have fair and accurate loan information be reflected on my credit report. Thank you for your time in this matter. Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Of Credit Cards were made to my report without my consent i never applied for those credit cards which they were made on this following dates XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am respectfully and humbly asking that Synchrony Bank reverse the following charges made by XXXX XXXX. 

Chest {$540.00} Lift Top Table {$390.00} Wardrobe {$400.00} 5 Year Protection Plan {$290.00} Ive contacted XXXX XXXX on several occasions asking them about the credit of the Chest and to request that they also pick up the Lift Top Table and Wardrobe because both pieces are defective in many ways. However, to date, my requests have been ignored and the company now is refusing to pick up the phone. XXXX XXXX has refrained from taking any amicable action to ameliorate the situation.