23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th request 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$40.00}
Product: Credit reporting or other personal consumer reports

Due to unforeseen circumstances and financial hardships, I feel behind on my obligation with attached debt. The referenced account was charged off and should qualify as cancellation of debt, which requires the creditor to issue me a 1099C for tax reporting purposes. 

I've made attempts to contact the creditor to obtain my 1099C form for tax filing purposes and it has not been received, nor has there be any response to my notification. I request that this debt be removed from my credit report, as it shouldn't show a balance considering the creditor as received a tax write off due to charged off status.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there was some things that was not correct. I sent a letter to EXPERIAN on XXXX XXXX Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code1681i Under 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2019 a representative called my house phone, I wasnt available so my XXXX daughter answered. After my availability was stated the representative was aware that I wasnt available and he continued to speak to my minor daughter. He explained to her that I owe the company money and if the debt wasnt paid I will be going to jail. Unfortunately because I wasnt available I dont know all the details of the conversation. I found out that night when my XXXX XXXX XXXX daughter woke me up crying, asking if I go to jail where will her and her siblings go live, which had confuses me. my daughter explain to me what the representative on the phone said to her, she then told me she took it upon herself to pay the in accurate debt due to her being scared with my debit card. I question my daughter about the payment and she told me that the representative walked her through the payment process. He gave her some type of number. When I noticed the name of the company it had become familiar that I just received something in the mail from them a few weeks prior. Not only they made a XXXX XXXX XXXX pay this account, but the amount was inaccurate. I then asked my daughter why would she make any payment without coming to me first and how much was this debt? She said {$1600.00} I lost my mind. I went to go look for the letter that was sent to me a few weeks back. When I found the letter, Not only it was unacceptable but it was the wrong amount. The representative made her pay {$1600.00} and the man knowing the letter of the debt states {$1300.00}. I have submitted both the letters for {$1300.00} settlement notice and a confirmation of payment of {$1600.00}. I spoke with my children and explain to them that under no circumstances they are allowed to pay anything without my consent since then Ive been getting harassed with letters and phone calls from Chase bank stating I still owe a debt although in the past I had submitted police report of a home invasion showing my information was stolen and missed used. I also told chase and client services, obviously it was someone who I knew or know and who is always in my home, but I couldnt pinpoint who it was because I have multiple people in my home which at this time I did stop everybody from coming to my home, because Im not sure who has done this. i just received a letter in the mail on XX/XX/2019 from XXXX from chase harassing me including calls. i explained although the debt was paid inappropriately by a child, but the debt is paid and to please stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

I checked my credit report and noticed a new fraudulent account. XXXX and Equifax are not on the same page about the name of the account and are not reporting factually. This is a violation of 15 US Code 1681b ( 2 ). Credit Reporting Agencies are required to use fairness and accuracy in their reporting methods. I have filed an Identity Theft Report and attached it below. remove the account please. 

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

Equifax was negligent and did not securely hold my information. My Name, Social Security number, Birthdate, Address, Phone Number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. 

I am a victim of Identity theft and now at high risk of credit and identity fraud.
Product: Credit card or prepaid card

I have Barclays XXXX XXXX card. The default reward structure for this card is XXXX on restaurants, XXXX on groceries etc. on XX/XX/XXXX I received a targeted promotion offer saying that I can earn XXXX additional points on restaurant, drug store and groceries until XX/XX/XXXX and I need to activate it. Attaching proof of offer screenshot from my email. 

I went ahead and activated the offer. I also logged into my app and chatted with customer service to make sure that this offer is active. The agent confirmed it. Refer screenshots referring to XX/XX/XXXX date. 

After that I started using the card and did not seem to warn the additional XXXX points ( I used the card in XXXX which is listed as a restaurant in Barclays portal. Additionally I also did not use digital wallet payment and used the card chip payment ). I reached out to customer support to understand when Ill get the additional 3X points. Im now being told that there was no such offer and its not active on my card. Review attached screenshot referring to XX/XX/XXXX date. 

I clearly have proof that I activated offer since one their agents confirmed it on chat and Im sure Barclays has access to it as well. This is outright customer abuse by Barclays to trick me into using the card by offering more points and later saying there was no such offer. Please help me get an explanation from Barclays
Product: Checking or savings account

I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their HSBC Premier checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ 6-7,000 per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned.
Product: Payday loan, title loan, or personal loan

Lendmark financial services are sharing my personal information to the credit beauras such as my payment history. By law that is prohibited in state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed about a account with National Credit System over 2 months ago. I informed XXXX XXXX XXXX this was due to fraud and this was over 30 days ago.As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act. XXXX has failed to uphold the law I have attached the police record and my move in sheet from my apartment
Product: Debt collection

***PLEASE NOTE MY CAPS BUTTON IS STUCK ON FOR SOME CRAZY REASON AND I AM NOT YELLING OR TRYING TO BE AGGRESSIVE. *** ON OR AROUND XX/XX/XXXX I CONTACTED MIDLAND CREDIT MANAGEMENT ABOUT TWO ACCOUNTS THEIR OFFICE WAS CURRENTLY REPORTING ON MY CREDIT REPORTS. I WROTE ASKING FOR VALIDATION PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT, ALONG WITH MY LOCAL LAWS. ALL LAWS BASICALLY STATE THE SAME THING, UPON REQUESTING AS A COUNSUMER- I AM ENTITLED TO EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) CONTRACTUAL OBLIGATION TO PAY THEM ANYTHING. PLUS, I NEEDED EVIDENCE THE DEBT/CHARGES WERE MINE. I ALSO REMINDED THEM I HAD MADE ALL 3 BUREAUS AWARE OF FRAUD ON BOTH MY SS # AND CURRENT ACCOUNTS FROM A DATA BREACH. I ALSO INQUIRED ABOUT THE PROCESS THEY USED TO VERIFY THE DEBT. ADDITIONALLY, I ASKED THEY PROVIDE ME THE INFORMATION OF THE PERSON ( S ) THAT VERIFIED THE ALLEGED DEBT SO I MAY INVESTIGATE FURTHER SHOULD I NEED TO. I REQUESTED IF THEY COULD NOT PROVIDE THE INFORMATION REQUESTED THAT THEY REMOVE THE ITEM FROM MY CREDIT REPORT ( S ) AND STOP COLLECTIONS. I MAILED ( CERTIFIED MAIL ) MIDLAND ON OR AROUND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. IN RESPONSE TO MY LETTERS MIDLAND RESPONDED " AFTER INVESTIGATION YOUR ACCOUNT WAS VERIFIED YOUR DEBT '' BUT I NEVER RECIEVED ANY OF THE VALIDATION REQUESTED AND REQUIRED. FURTHERMORE, ON ONE OF THE ACCOUNTS ( XXXX ) THEY DID NOT RESPOND WITHIN THE REQUIRED 30 DAYS, NOR DID THEY REPORT THE ACCOUNT AS DISPUTED WITHIN THE 30 DAYS, THAT ALONE MAKES THEM NON-COMPLIANT AND THE COLLECTION SHOLD BE REMOVED. THE LAST RESPONSE MIDLAND SENT ME A LETTER DATED XXXX STATING " WE ARE UN CERTAIN OF WHAT YOU ARE SPECIFICALLY DISPUTING '' AND REQUESTING " WRITTEN EXPLINATION AND DOCUMENTATION DEMONSTRATING ANY ERRORS IN OUR ACCOUNT INFORMATION ''. IT IS NOT MY JOB TO DO THIER WORK. I HAVE BEEN VERY CLEAR WHAT I AM DISPUTING AND REQUESTING, I AM DISPUTING THE ENTIRE ACCOUNT AND REQUESTING VIABLE EVIDENCE THAT THEY MUST HAVE ON RECORD THAT THE DEBT IS INDEED MINE AND MY SIGNATURE STATING I HAVE A CONTRACTUAL OBLIGATION TO PAY THEM. AS YOU WILL SEE IN MY ATTACHEMENTS, THEY HAVE SENT THE SAME LETTER EACH TIME IN RESPONSE, THIS IS WHAT I BELIEVE IS STALL TACTIC AND COMPLETE VIOLATION OF THE LAW. I DECIDED TO FILE A COMPLAINT AS THE LAST DITCH EFFORT TO GET YOUR HELP BEFORE FILING AT MY LOCAL COURTHOUSE AND ASKING A JUDGE TO DECIDE. THANK YOU FOR YOUR HELP.
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/year>
Product: Debt collection

On XX/XX/2019 Mr. XXXX XXXX, Senior Investigator with XXXX XXXX left me a voicemail stating that I needed to return his call immediately. When I called back to the number provided, it was XXXX XXXX XXXX, a collection agency. 

I did not think and deleted the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a banker and under constant scrutiny from your agency. I recently pulled a mortgage credit report for a customer of mine from the credit bureau and he and his wife received promptly got 48 calls asking if they needed credit. It was discovered that the agency can sell this information, in this day and age that seems crazy. I know a person can opt out but that can take 5-10 days after a request and what consumer knows about that. Maybe the tables should be switched and they should be opted out until they request to be opted in. This would not happen to a consumer if the credit bureau was a bank! 

XXXX XXXX
Product: Credit card

XXXX XXXX charged me a purchased I did not make or authorized. I explain to the representative that I didn't make the purchased. I also wasn't aware until several months later since I do not use that credit card for daily purchases. I spoke to comenity and advised them and they offer no assistance, and told me that I was liable for the charges. I do not even have the credit card. I told the representative that I was to pay off the account and to close my account however they are hurting my credit when I was the victim of fraud and that is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus.

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX credit report showing the missing payment and incorrect loan modification report.
Product: Debt collection

In XX/XX/2017 I submit a complaint regarding two medical bills from CMR Financial, one of them was paid for my medical insurance and the second medical bill I made a payment arrangement with the company, and was told from them if I make payments on time they won't report to the credit agencies but was my surprise they reported the two accounts in my credit report, right now appears in my credit like derogatory of course the accounts has XXXX balance, because like I said before one of the accounts was their fault to report something that was paid, I proved with all the documents that I was right, and then they removed the balance from that bill, but still they reported to the credit companies.

The amount of the bill was {$6600.00} Member rate : {$1200.00} I just had to pay my coinsurance of {$200.00} plus my co payment of {$200.00} that was the money I paid for {$400.00} and made a payment arrangement of {$5000.00} a month that was paid long time ego
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX.I have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts below several times with you to no avail. 
Please mark each account below as being disputed XXXX  and XXXX  investigated the following accounts below and have decided to delete the account from my credit report. Please do the same as per the Fcra rules and regulations with regards to uneven reporting among the credit agencies XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Experian indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my Experian file pursuant to 15 U.S.C. 1681i  ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

Experian has 10 days from the receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experian 's willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to this matter.
Product: Credit card or prepaid card

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX are the attorneys for XXXX XXXX, a former client of USAA. XXXX XXXX opened a credit card in 2022 which was the subject of fraud. USAA determined that indeed there was fraud but has repeatedly thwarted efforts to attempt to resolve including return of monies XXXX XXXX paid towards the payment of the fraudulent charges. USAA has thwarted efforts by our firm to attempt to resolve including failing to acknowledge the firm 's authority to seek out information regarding the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 agency can not furnish an account without my written instructions.