23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I cancelled my newspaper subscription last year. I have called several more times to cancel it. Today I received a collections notice, notwithstanding the fact they are still sending me letters asking me to come back while still sending the newspaper even though I have tried to cancel it several times. 

I called the collections agency. However, they say I can only dispute it by sending a fax or letter. They will not take my complaint verbally.
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00}
Product: Debt collection

I am not sure if you guys can pull up an old file on your end. I opened a complaint roughly in XXXX of 2013 regarding to State of Ohio Office of Attorney General. They were sending simple letters with no proof of validation of the debt I supposely owed. This was also, I believe through General Revenue Corporation as well. They are both combined. 

Well here I am again. State of Ohio Office of Attorney General had made another comeback for what I do not owe. I do not have a clue. I have already sent them the validation request for the XXXX time and I am sure they are not going to provide that. XXXX times of trying in the past. Seems to be cumbersome to do this again. This is causing stress, problems with my family and friends. If you can pull up the old file, that would be great. I will try to find the old case number for it and see if you can pull it up, if I am lucky. 

I have already talked to my Attorney General and he said if it happens again, I can let him know. Which has been hard to get through sometimes. 

Also, the letter has provided XXXX different addresses including Ohio State and General Revenue. Which seems to be surprising. 

Why is it so dang hard to just give me the original paper work? I could admit to it if its mine, or deny it. Just giving me numbers to call, a balance owed and an account provided does n't help me. 

I feel harassed.
Product: Credit reporting or other personal consumer reports

I

recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages. Thank you for prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  AccounXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Amount {$440.00}, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello My Name is XXXX XXXX and i want to report identity thief in the year of XXXX  i was sentence to federal prison XXXX  years I recent notice some items on my credit report that was not authorized by me. Due to me being incarcerated from XX/XX/XXXX of XXXX  till XX/XX/XXXX of XXXX see attached document
Product: Credit reporting or other personal consumer reports

There is a company collection account on my credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX and the account number is *XXXX for a balance of {$820.00}. I believe that this is fraudulent account because on my XXXX report it is saying that this account was opened on XX/XX/year> and this is not true. I would like you guys to delete this account from my credit file because its not my account. I'm gong to upload information that can verify my identity such as a Massachusetts ID card and copy of my U.S. Passport and Social Security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian and they verified the accounts as accurate, which included a chapter XXXX bankruptcy dispute. I submitted a second letter via an upload on XX/XX/2021 requesting verification of the prior dispute submitted in XX/XX/2021 and on XXXX instead of Experian providing me with how the information was verified for the disputes of the accounts which included, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and Virginia Courts Chapter XXXX Bankruptcy they updated the records as investigation completed, they never sent the verification of the information on how they concluded that this information is factual which it is not..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX XXXX. Please resolve this manner as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted this letter to all the credit agencies, XXXX, XXXX  and Experian and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.
Product: Credit card

On XX/XX/ SYNCHRONY BANK closed and charged off a major credit card account ending in XXXX in my Name. SYNCHRONY BANK states they own the account, but they do not own my information in said account. SYNCHRONY BANK proceeded to sell my information to XXXX XXXX XXXX XXXX without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as SYNCHRONY BANK is a financial institution who is to remain compliant with the FTCs Gramm-Leach-Bliley Act. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX, XXXX has no enforceable contract with me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX 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 a account without my written instructions.

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

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Mr Cooper hasnt responded to initial complaint. Company called multiple times a day, called on weekends and holidays. Told company they would get their money once VA retro pays me owed funds. Mr Cooper continually calling and harassing me. Company never left messages. Mr Cooper then without cause had a debt collector reach out to me. We are in a pandemic and Im a XXXX veteran, horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a Validation Request to Experian, XXXX and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see inaccurate accounts on my credit report. I routinely check my report, but suddenly there were discrepancies. I tried refreshing my browser, hoping it was an error, but the inaccuracies did not disappear. Because of this, I am requesting a thorough check of the documents I have sent so I can stop worrying about this issue.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have 2 issues going on. I have been a victim of identity theft. I have filed FTC report and the 2 Companies will not remove these 1. XXXX XXXX I sent credit places the police report and FTC report on file 2. Avant Bank was opened fraudulent and was open without my permission. A FTC report was filed as Well I have alerts now on all 3 credit reports and I want this off my credit
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account suddenly for no apparent reason. Ive called and emailed them 7 times total and the only response I have heard is that the decision is final. I have tried to appeal it or escalate it to a manager and they say someone will contact me within XXXX hours but then no one ever does. I have never broken PayPals term of services or been given a reason for the closure of my account
Product: Money transfer, virtual currency, or money service

on XX/XX/23 I attempted to Venmo my daughter {$500.00}. Instead it went to another contact on my list. I notified Venmo within 10 minutes of my mistake and they refused to stop the transaction. It remained in pending at my bank over 24 hours and they could have reversed the transaction. I have contacted them several times and get the same response. They tell me to deal with it directly with the person that I mistakenly sent money to and request the money back but they have frozen the account it went into so this can not be done. I asked that they transfer the money to my daughters account and they refused that also. I'm at a lose as to how to fix this problem. Venmo has the worse customer service I have ever been involved with. I asked for a supervisor and got the same answer and I think on one occasion I got the person I had been speaking with after a 45 minute hold.
Product: Credit reporting or other personal consumer reports

We submitted a request to XXXX to take out the incorrect flag on my credit report and they did take it out. 

For context, a flag appeared on my credit report for a XXXX bill that was sent to collections. However, I've never done any business with XXXX . My phone and Internet service has been with XXXX XXXX XXXX for about XXXX years. 

XXXX DID take this incorrect information off of my credit report. However, this incorrect flag is still on my other credit reports. XXXX and TransUnion are still showing this on my credit report file.
Product: Credit card or prepaid card

I used my credit card ( Apple Card ) on XX/XX/XXXX to pay for fitness equipment. After placing the order I contacted merchant in XX/XX/XXXX to follow up on my order. I was not given a confirmed date for delivery of equipment nor an ETA. I disputed the charge with my credit card. It was resolved in favor of merchant. As per card company I authorized the charge which is true. However I am not disputing the charge as such but disputing the charge due to inability of merchant to deliver merchandise that I paid for. 

I contacted merchant again in XX/XX/XXXX. Merchant expressed his inability to fulfill the order, yet again. I am paid {$470.00} for goods that were never delivered and credit card company washed off their hands by not helping their own customer. 

I have shared the emails from vendor with my credit card company and even then they are not willing to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX Binance U.S. 
Operated by BAM Trading Services Inc . 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX. 

Complaint against Binance US On XX/XX/XXXX I notified Binance that I had suspicion that there was fraud present on my account. Binance does not offer any kind of human chat or telephone correspondence. I followed their instructions to file a ticket as they call it. Please see below the number of tickets I generated and the response I have gotten. 

XX/XX/XXXX Original ticket, receipt of acknowledgement XX/XX/XXXX follow up ticket, receipt and notifying me the more tickets I generate the longer the process will take. 
XX/XX/XXXX third ticket requesting them to unlock my account. This ticket was followed up by an electronic response of acknowledgment of receiving the ticket. 
XX/XX/XXXX I tried to gain access to my account by resetting the password but with their block it was unsuccessful. 
XX/XX/XXXX another ticket generated to see if they would at least let me have access to the account. 
XX/XX/XXXX XXXX ticket asking them to just unlock my account so I could get my money and simply close the account. 

Unfortunately, I cant even provide you with an account number as the block they have put on the account will not let me access that information. 


At this point all I want is my money back from my account. At the time they locked my account there was approximately XXXX available. 

Should you have any questions please do not hesitate me immediately. 

Thanks in advance. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.
Product: Debt collection

My belk rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " XXXX XXXX XXXX  XXXX XXXX ''. No response after multiple days of calling and emailing. I then reached out to Synchrony Bank ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the Synchrony Bank agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " XXXX XXXX XXXX  XXXX '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to Synchrony Bank on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with Synchrony that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.