23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have submitted a police report and FTC Affidavit to TEK COLLECT via Certified Mail # XXXX XXXX XXXX XXXX XXXX. 
I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account IS a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I HAVE NEVER RECEIVED ANY SERVICE FROM XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ XXXX XXXX } authorized XXXX XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to TEK COLLECT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account reported written off as bad debt was fully settled with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.
Product: Credit reporting

I have a credit card with XXXX XXXX and I am an active duty service member. Under the SCRA, XXXX XXXX does not assess Annual fees on credit cards. The card in question was originally issued by XXXX Bank which was later absorbed by XXXX XXXX. On XXXX XXXX XXXX, I called the credit card company and paid the balance down to zero, then stated that I was leaving for deployment and that I did n't want a balance remaining due to the limited access to the internet and phone to make any payments should I use my card, I also updated my address so that I could receive correspondence. I left for deployment XXXX XXXX XXXX. On XXXX XXXX XXXX, an annual fee of {$59.00} was placed on my account. I never received a statement for this. On XXXX XXXX XXXX, I received a credit alert at my .mil email address stating that my account was 60 days past due. Immediately I paid the account because I happened to be in an area where phones were available. I returned from that deployment XXXX XXXX XXXX. The only time the account has ever been late since it was opened in XXXX XXXX was after this fee was assessed. It is not fair that I was charged an annual fee and keep getting charged an annual fee, especially since it is stated on XXXX XXXX 's website that they do not assess fees against active duty XXXX under the Servicemember 's Civil Relief Act. On XXXX XXXX XXXX, I talked to a representative at XXXX XXXX explaining my situation. I was told by the rep that they would send out letters to all of the Credit Agencies, and one to myself, to remove the 30 and 60 day late account status from my credit report. That never happened. I would like these negative remarks removed from my credit, it is wrong that they are still there after three years.
Product: Credit card

XXXX XXXX took out multiple credit cards and loans in mine and my family 's name over many years without our knowledge or consent. He used our personal information without our consent to do this. We discovered that he did this after reviewing our credit reports XX/XX/XXXX. 
These are the credit cards taken out on my name without my consent : 1. Capital One ; taken out XX/XX/XXXX in the amount of {$10000.00} XXXX XXXXXXXX XXXX ; taken out XX/XX/XXXX in the amount of {$7000.00} XXXX. XXXX XXXX ; taken out XX/XX/XXXX in the amount of {$2900.00} XXXX XXXX ; taken out XX/XX/XXXX in the amount of {$540.00} XXXX. XXXX, taken out XX/XX/XXXX in the amount of {$2800.00} XXXX. XXXX XXXX ; taken out XX/XX/XXXX in the amount of {$4000.00} These are the loans taken out on my name without my consent : XXXX XXXX XXXX XXXX taken out XX/XX/XXXX in the amount of {$14000.00} XXXX. XXXX XXXX. taken out XX/XX/XXXX in the amount of {$8300.00} XXXX. XXXX XXXX XXXX, taken out XX/XX/XXXX in the amount of {$37000.00} XXXX. XXXX XXXX XXXX, taken out XX/XX/XXXX in the amount of {$11000.00} XXXX. XXXX XXXX, taken out XX/XX/XXXX in the amount of {$18000.00} XXXX. XXXX XXXX, taken out XX/XX/XXXX in the amount of {$7900.00} XXXX. XXXX XXXX, taken out XX/XX/XXXX in the amount of {$2200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX XXXX To Whom It May Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX XXXX my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account XXXX XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Product: Credit reporting or other personal consumer reports

i have been aXX/XX/XXXX these inquiries do not belong to me, they are reporting wrongfully on my credit file. 

inquiries - XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XX/XX/XXXX XX/XX/year> XX/XX/XXXX XX/XX/XXXXXX/XX/year> THESE DO NOT BELONG TO ME I HAVE BEEN A XX/XX/XXXX
Product: Mortgage

I am a XXXX veteran with a loan in the state of IL In XX/XX/2021 I was dealing with extreme XXXX  problems due to XXXX XXXX XXXXXXXX and its effect on current medical issues. The company only offered me 2 months forbearance. The health issues ended up with me losing my job in XXXX. I requested again forbearance extension under the cares act. I was only offered a financial disclosure form for loan modification ( with the company making sure I knew it could affect my credit score, and ability to pay back my loan, and that the company may find I can't afford my loan anymore, not cares act forbearance ). Come XX/XX/XXXX I was still out of work because childcare was too expensive, however me and my wife were able to come up with the money. In the state of IL because of my XXXX I do not pay property taxes. On the XXXX I requested that the company provide me with a corrected number to become current with my loan ( again without forbearance ). The same day I gave the company {$4000.00} as a good faith payment so that the company would work with me while they fix the demanded taxes. 7 days later the company hired a lawyer to put me in foreclosure. It took until XX/XX/XXXX and getting a pro bono lawyer to get the corrected mortgage payments and reinstatement amount. The company didn't wait even 30 days ( you know for the document to go from them to their lawyer, to mine, and then to me ) of doing what I initially asked to serve me, thus more lawyer fees they want me to pay. I wake up every morning worried about money because of this, since XXXX. struggle to go to sleep at night because of this. The forbearance would have allowed to be financially stable during the pandemic. however, by XXXX I just wanted to pay off my missed payments. I wasn't trying to get them to honor the CARES act anymore. Nothing that has happened to me is in good faith. I am the only one in this situation acting in good faith. I had to explain to their lawyer how IL law worked. ATTACHED is the email that I got stating they had recieved my proof of tax exemption before hiring a lawyer.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to XXXX American Express XXXX and a lawsuit filed against me that has since been dismissed for want of prosecution ( XXXX  ). Despite my efforts over the past XXXX years to provide evidence of identity theft, neither American Express nor the credit bureaus ( XXXX, XXXX, and XXXX ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : XXXX. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which XXXX American Express accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to American Express and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, American Express refused to acknowledge the theft or resolve the accounts appropriately. 
XXXX. Lawsuit Filed and Dismissed : American Express National Bank pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place.

3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit.

The excuse provided by XXXX  the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.
Product: Credit card

I was sent a letter informing they were lowering my credit line on my paypal mastercard for a list of false reasons They claimed I have a XXXX  r account, i do not, they claim i have had returned bank payments on my PayPal and I absolutely do not. There was an issue with a payment to XXXX that a rep returned without my authorization after I asked for the payment method to be changed. The representative spotted the error and corrected it the same day after she read the chat and saw what the paypal rep did and apologized for the error. 
They claim the balances on other cards are too high, they are not and I can provide a copy of what my balances are to my credit limits. 
I was a target of their risk reduction and I've never been at risk of being in default. 
They use transunion, a CRA known for inaccurate and outdated information. 
At this point I'd like to file a lawsuit against synchrony bank for the damage they are doing to my credit without warrant. 
They should not be able to harm consumers on a hunch, especially if they've been proven wrong before. They have don'e this to me before a year ago on my Amazon store card and my XXXX master card stating the use of their sound scoring systems prediction that i would default ... ..only that sound system failed them because none of those accounts ever went into deafault nor were at risk of being in default and always paid on time every time. 
I have not 1 missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the information provided, we believe that your personal information may have  been impacted by this incident.
Product: Checking or savings account

I consulted Citizens Bank website after being on hold for too long when trying to call them, and found that I would not be charged for a stop payment fee based on my type of account. I processed the stop payment and was then charged. When my wife called she was told that the account was a " different type behind the scenes '' -- whatever that means. Please see attached for proof of account type an, their web info that we won't be charged and the charge to my account.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase Inc. has blocked usage of my account until XXXX is completed but wont respond to me after I updated my information! 

Coinbase reached out to me on XX/XX/XXXX letting me know that I needed to undergo XXXX again and requested some information. I did not see this email and 2 weeks later my account was blocked. This is a big deal for me since I have ~ {$50000.00} USD of USDC on their platform collecting yield at 5.2 % largely deposited from my XXXX. I responded immediately on XX/XX/XXXX and then tried to escalate multiple times via Coinbase support portal. Despite trying to escalate this I have not received a single response, and my money is effectively locked as I have no way to convert the USDC into dollars. 

XXXX is good, I agree. But when the company doesn't have the support staff to properly respond to requests and leaves inquiries on BLOCKED ACCOUNTS without a response for weeks on end without an XXXX is detrimental to individuals. 

This company has locked my money, asked for proof of employment and other documents for XXXX and now is not responding to any of my attempts to further reach out to achieve resolution. Shame on them
Product: Credit card or prepaid card

Hello I opened a credit application with the XXXX XXXX XXXX XXXX XXXX. They rand my credit twice which decreased my credit score and then would not let me cancel or withdraw the application before it was confirmed. They would not give me a reason and basically are forcing me to accept their terms. Moreover, they can't tell my why the review process is taking so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in my credit report have several hard inquiries I do not inquired or authorize. They put negative image on my credit score and it need to come out of my score as soon as possible. They are as follows : XXXX XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX XXXX cred inquiry from XXXX XXXX never inquired or applied anything with them ; XXXX-inquiry from XXXX XXXX, XXXX not authorize or inquired anything from them ; XXXX XXXX XXXX XXXX XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX inquiry XXXX XXXX, XXXX never inquired or applied anything with them. These are the companies I found made inquiry in my credit report without my consent or my approval and I want them remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX i tried disputing this about 3 times. This account was paid for in full through collection agency. It should states paid in full. Experian keeps updating this account. XXXX XXXX XXXX i would like the foreclosure procedure to be updated as unkown because i have been working on my credit and i am trying to purchase a home and this remark is a negative remark. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Did not authorize these inquiries i called Experian to tell them they just said it has to stay on my report for 2 years. But why when i didnt authorize them