23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a third party debt collector about a debt I do not have with them. I have sent cease and desist letters numerous times and they have violated my rights. There is an open account on my credit profile with this company. I have requested information on this matter asking for dates of when I opened an account in which I have not received any information at all. According to 15 U.S.C 1681 Section 604 A Section 2, It states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate in which this information is completely inaccurate. Please remove this from my report immediately. I do not owe nor have I ever done a transaction with this company.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding my credit record. During a review, I identified late payment entries. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.
Product: Credit card

I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. 

In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. 

Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was notified by the news, not by Equifax directly, that my personal information was stolen as a result of negligence by Equifax. Using Equifax 's own online system at XXXX XXXX XXXX I confirmed this information. I now have to worry for the rest of my life about my personal information being used to opening illegitimate accounts and debt. This has a financial repercussion in the thousands or tens of thousands.
Product: Checking or savings account

XXXX the executive manager discriminated me because Im XXXX  and XXXX  XXXX  never respond to my call all last week when he reply he had a bad attitude look like he sound sleepy on the phone bad customer service from XXXX he told me chase bank executive manager cant take a hold off a check he was unprofessional he never responded to my phone call I call all last week he never got back with me.
Product: Money transfer, virtual currency, or money service

My Wise account has been closed from XXXX XX/XX/year>. They decided keep my account closed and make refund but they still not do it till now.
Product: Money transfer, virtual currency, or money service

Cash app did credit defines back to my account on XX/XX/year> premium of {$150.00} prior to that my account with XXXX XXXX  car hose services for XXXX  was closed on XXXX XXXX XXXX XXXX  XXXX  services for realized stated that any money that was credited to a close account would have been returned back to the merchant which would be cash out they said for any addition information regard to credit I need to seek out for cash out for attention prior to call and cash app cashed out tells me I told her different story they saying that I need to contact XXXX XXXX  regarding the dispute it's just a whole bunch of run around between XXXX XXXX  and cash out logically if the rank if I count is closed the money will be returned back to the merchant or the center which will be cash app so with that being said that I need maybe cash I need to do a little bit more fairly investigation and see about the fun because XXXX XXXX  saying that they got the cash I've got the funds cuz they don't have it because the account was closed since the XXXX of XXXX instead of cash out representative telling me to follow up with my bank and send them doing more thoroughly investigation they can see
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, an account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted XXXX XXXX XXXX to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. 

This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an inquiry made by a company called Factual Data on XX/XX/2019. I never contacted this company and want to know how and why the ran my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, TRANSUNION has violated my rights by publishing Account XXXX # XXXX twice 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 reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXX. XXXXXXXX XXXX Account XXXX XXXX  Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. XXXX. XXXX Account # XXXX Legal Basis for Dispute : The continued reporting of this account violates 15 U.S. Code 1692e, as highlighted in XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the prohibition against misleading debt collection practices. This account must be removed immediately. 
XXXX. XXXXXXXX XXXX  Account # XXXX Legal Basis for Dispute : The failure to validate this debt violates XXXX XXXX Code XXXX. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided.
Product: Credit card or prepaid card

I have a Bank of America credit card. My issue with BofA is the stance they have taken preventing me from purchasing guns and/or ammunition using my BofA card, and from companies doing business in areas of guns, firearms, and ammunition. I believe this is in violation of my rights through the Constitution. 

If this BOA policy is not rescinded, I will close out my BOA credit card.
Product: Debt collection

My loan payment is only a couple weeks behind from creditors One Main Financial and they are calling repeatedly nonstop at least 10 times a day leaving voicemails, harassing and threatening.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX AMEX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Debt collection

I reviewed my credit reports and noticed an erroneous/ fraudulent account being reported by Diversified Consultants, Inc.to the Credit Bureaus. I have never done any business with Diversified Consultants , Inc and this presented red flags. I immediately sent dispute letter via certified mail and delivered on XX/XX/XXXX, tracking # XXXX requesting VALIDATION of the debt. I requested Diversified Consultants, Inc to provide copies or any papers with they're name showing that I did any business with them and that I AGREED to pay what they say I owe per the Fair Debt Collection Practices Act. I received a response from Diversified Consultants, Inc claiming to represent XXXX and that I owe them {$1800.00}. In their response they claim the original creditor is XXXX and attached an account summary with the alleged charges which they claim provides verification of a debt. I have never ever done any kind business with Diversified Consultants , Inc . Anyone can type up a fake statement and put they're name on it and call it proof. I am requesting a signed contract proving I agreed to pay or agreeing to enter into a contract with Diversified Consultants , Inc . I have no problem making this a legal matter but would rather this get resolved outside of court. To this date XX/XX/XXXX they have not provided any proof and NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe { {$1800.00} }. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. Please see attached files of my certified letter requesting verification/validation of debt per the Fair Debt Collections Act to Diversified Consultants, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX, XXXX ACC # XXXX XXXX  XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Someone stole my card number or gained access to it when I lost my XXXX laptop. I travel a lot between XXXX XXXX, XXXX, XXXX, and XXXX. There was some usage at some store in California and then some online purchase. All of these instances were reported to Nordstrom once I realized I did not have my card and that someone cloned my card, not only this one but one from XXXX as well. It was easier getting that resolved than this, and this is a store card. I've been a customer and fan of Nordstrom since I was XXXX, I am XXXX at this point and I am disgusted at the lack of follow-through or follow up. I am also upset about poor customer service. The claims rep who was working on my dispute decided to exercise and abuse their position and power and get into a back and forth with me, I then got a denial letter days later. 

Retaliation at its finest. I know my rights as a consumer. I've written a formal appeal to Card services and I've requested footage, documents, receipts and everything they used to determine that I was the person at fault. Legally per the Federal Reserve and Federal Regulation E, the paperwork should've been made available to me when the claim was closed out- they were not. 

I call and get nowhere with customer service and honestly I feel like the company did not do a thorough investigation and I'm being held responsible for items I did not want or get to benefit from. 


I did not authorize a signer or anyone to use my card instore or online. Please help me by doing what is right and getting this resolved. ASAP
Product: Credit reporting or other personal consumer reports

According to XXXX, this account must be removed promptly. It's making me XXXX to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Please help me get these items removed!
Product: Credit card or prepaid card

TD Bank USA/Target Credit XXXX XXXX XXXX XXXX MN XXXX Ph : ( XXXX ) XXXX Acct # XXXX Date Opened : XX/XX/XXXX Address ID # XXXX Credit Limit : XXXX Status : Account Charged off. XXXX $ written off. Past due of XX/XX/XXXX. 

Dispute processed in XX/XX/XXXX. 

Notes : Target said that it issued a credit card to me, but admits to sent it to wrong address. They charged the credit as unpaid collection account as seen in my XXXX XXXX Report. 

Target has proved to be deceitful in presuming that it does the right thing destroying customer credit reports. Due to this, I have to face a steep penalty of not getting home loans due to the company 's negligence. 

I request your kind attention to penalize Target for ruining my credit report. I also seek punitive damages from Target, for the trouble caused to me.
Product: Debt collection

Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.
Product: Credit card

I signed a contract lowering my XXXX Citibank Mastercard to a lower interest rate. Subsequently, I can not get Citibank to credit my account for a clear fraud issue. They are calling my account a " hardship account '' and will not take information on disputed transactions. Six documented phone calls, some lasting one hour and up to eight transfers, I learned the request must be in writing. Multiple written requests over the past few months have yielded a credit on XXXX fraudulent tranaction of {$59.00}. There are a total of XXXX transactions to same fraudulent vendor that I have asked them to credit. I have provided all details of these transactions. Instead I am getting multiple notices about the XXXX transaction of {$59.00} that was credited. This is not a normal or fair response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with all three credit bureaus on XX/XX/2023 they had 30 days to respond and they did not so I'm asking for a deletion under the federal Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unauthorized inquiries on my credit report. I am asking they be removed. As a customer I am fully aware of my rights under the fair credit reporting act ( FCRA ) and have identified inquiries listed below that I did not authorize. The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>