23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

I have a checking account with Citibank. I have been a loyal customer in good standing for close to 20 years with this bank. Without prior notice, or any notice at all, on XXXX XXXX, XXXX, Citibank placed a hold on my checking account, which had a positive balance of {$5300.00}, preventing me from accessing any of my money. I found out that my account had been frozen because my card was declined when I tried to purchase a {$13.00} sandwich. I later went to the ATM to attempt to withdraw {$40.00} in cash, and saw a message on the screen saying there was a problem with the account. I then called Citi and was told that the fraud department had put a hold on my account, frozen access to it, and that policy dictated that I would need to wait until they were done with their investigation which would be at least 24 hours or more, before I could access my own money. They did not ask me any questions or make any effort to explain why the account was being investigated. The Citi freeze on my account prevented me from being able to access public transit for which I scan my debit card, or purchase food. I was also unable to pay my babysitter, since I could not withdraw cash. When I complained and said that freezing me out of my own account for undisclosed reasons and an indefinite timeline amounted to theft of my own money from me, they told me that I was unprofessional and disconnected the call from me, refusing me any explanation or correction. As of now, I am unable to access my own money.
Product: Credit reporting

There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, 2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Fair Collections & outsource XXXX XXXX. I have previously disputed an inaccurate account on my credit report due to identity theft and requested proper validation of the debt in accordance with my rights under the FCRA. Despite my attempts to resolve this matter, Fair Collections & outsource XXXX XXXX has failed to provide the necessary documentation to validate this debt and continues to report inaccurate information to the credit bureaus. 

Under the FCRA, furnishers are required to investigate and respond appropriately to disputes. By failing to provide validation, Fair Collections & outsource Bozzuto Management is in direct violation of federal law. This letter serves as my final attempt to seek resolution before pursuing legal action against the furnisher for non-compliance. 

I request the CFPBs immediate assistance in investigating this matter and ensuring that Fair Collections & outsource XXXX XXXX either provides the required validation or removes the fraudulent account from my credit report. I have provided the proper documents to the company and they have not done anything. 

I expect a prompt resolution to this matter. If this issue is not resolved, I will have no choice but to escalate this matter legally for damages due to the FCRA violation. 

Thank you for your attention to this urgent matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX  Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX. ) XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A 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

From what I know of FCRA 605B, we must remove any incorrect accounts from my credit report. Could you review the documents? Some accounts are inaccurately reported, with incorrect amounts and dates.
Product: Debt collection

I no longer work for a company and they are calling repeatedly. It is a business phone not a private phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against XXXX Dear CFPB and FTC, I am writing to file a formal complaint against Experian regarding the inaccurate information reported on my credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Experian, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information if they know or have reasonable cause to believe that the information is inaccurate.

Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, undermining public confidence and impairing the efficiency of the banking system.

I am particularly concerned about the missing rental payment history that Experian has reported. This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness. I'm also attaching rental documentation that shows that XXXX, XXXX 's rent has been paid. 

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

Synchrony, a credit card company that partners with JC Penney sent out a new credit card to replace the card ( and number ) that I had as a line of credit through the store. I went to pay off my new charges and noticed that the APR had ballooned from the low XXXX  to over 30 % APR. The new credit card just showed up in the mail stating that it replaced my old card now with more benefits. There was no prominent disclosure or mention of fees/ rates changing with the new card. 

I was shocked by the gigantic increase and feel that this was dishonest in the way that the new card came with much higher rates. I tried to address this with a representative through their chat function on the website and Synchrony 's representative said there was nothing that could be done about the rate, and that " I had agreed to that APR when signing up for the card. '' Of course none of that was the case since I opened the card with the store years earlier and 30 % is abject usury. How can this be lawful?
Product: Debt collection

We have received multiple calls from Commerical Acceptance Group about a debt to XXXX XXXX XXXX for a visit they made to our home for our infant daughter. We have been trying to work this out but the woman we spoke to is very unhelpful and rude. She told my husband she " does not have time for his XXXX '' and that she would put down that we want to file a dispute. We have tried to tell them we do not want to file a dispute we just need more information about the debt. We have been hung up on numerous times while trying to get more information to work out this debt. The debt is in our minor daughter 's name yet somehow they have obtained our phone numbers, birth dates and social security numbers even though we never provided them to any entity involved.
Product: Checking or savings account

I would give negative if I could. My TD checking account was locked since I tried to log in online using wrong password many times. I called the customer service line and see if they can help. They said they could not ID me on the phone and I had to go to the branch. The nearest branch was 3 hours away. I said I wanted to close my account but they said I still have to come in to the branch. I am a XXXX and that day ( XX/XX/19 ) I had to reschedule my patients and lost my income on that day plus had to drive 3 hours to and from the bank. When I went to the bank at XXXX, VA, the bankers asked me why my account was locked and why I had to be physically here. They even said they did not know the reason and that is the top security. I told her what? I never owed any bank or even had any collection company called me. They made me feel like I am a criminal. They asked me about my previous address dated back for 10 years, my driver license, my bank statement from the other bank that I transfer to money from and make the copy of the other bank credit card, my SSN and also demand me to show my SSN card. Could all of these be done on email or phone when there is no difference at all whether you would ask me on the phone or see me in person? On top of that they made a copy of my other bank debit card. Is that not invading my security with the other bank? I had to download a statement from the other bank online account and email it to the banker 's email address. Isn't that invading my security? That sounded fishy to me. Are they stealing my money? How could this be possible when every single bank has the option to recover your password or identify you on the phone or online. When I arrive to the branch it was almost closed and the headquarter was already closed so the banker could not close my account until my account was unlocked. I guess TD just want to keep your money for inconvenience. Imagine if you move to the west coast or foreign countries where there are no TD bank around. Why would they even advertise about online banking when it is not online at all. I will demand them to pay my gas and time I waste to drive back and forth and also emotional distress. This is just UNFAIR. I will tell all of my friends and whoever I know to stay away from  TD bank. 
Beware of TD bank, they want to take advantages of the customers who live overseas or in the area where no TD bank located.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00}.
Product: Debt collection

I was contacted at work today and the voicemail stated that I needed to call the information department or charges would be filed in my county. I called the number and had the reference number. I asked them not to contact my work but he said that they wouls and that they could. He refused to identify himself or the company. He stated that the debt was from Jared the Galleria of Jewelery in the amount of XXXX. I asked him if I could work out an arrangement for XXXX a month because I was on a very tight budget. He said no we will be contacting your employer to garnish your wages and that they could garnish up to 50 % of my check. He said they would be sending a subpoena to my employer on Monday and I could deal with it then. He said that I was accused of defrauding and something else. He then hung up on me. I called back twice to try to work things out and get more information. He hung up each time and said that I could wait for the subpoena and not call that number anymore. The number that they had me call was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OFF A DEBT THAT WAS OWED IN FULL. I DISPUTED IT AND WAS TOLD THAT I STILL OWED THE MONEY AFTER THE INVESTIGATION OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX ). XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX ). ( US SM BUS ADMIN ODA XXXX ). ( US SM BUS ADMIN ODA XXXX ). XXXX XXXX XXXX  XXXX ). XXXX XXXX XXXX  XXXX ). ( XXXX  XXXX XXXX ). ( XXXX XXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

XXXX XXXX XXXX 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 or other personal consumer reports

I am not liable for this debt of {$170.00} with XXXX XXXX Account # XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX  Account # XXXX This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$88.00} with XXXX Account XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This happened last year. I dont know the exact dates but a guy claiming he was in the XXXX in XXXX contacted me and over a span of six months ask me tons of questions and I didnt know he was accessing my login information at the bank. One day I noticed some weird activity on my account so I changed my password. Then deposits were coming in without my knowledge. I had just got paid so I tried to take the money out of my account and it was closed. I called the bank and talk to the fraudulent department. The lady their said someone accessing my bank from XXXX and logins from that were being made into my account. I was very upset when I called and they did an investigation and they gave me my paycheck that they held on too after a few days. They told me the account was closed I would have to open a new one so I did not think of it everything was settled. Then the other day randomly months later they call me ( not giving me any information nor asking my information with identity ) and say we have closed your account today which not like its much money but its what me and my XXXX kids live on until my next paycheck like {$380.00}. They said I owe them {$4000.00} and they said because I gave my boyfriend the information. I said the guy was acting like my boyfriend for 6 months via XXXX. I never met him or knew him. I lost tons of my own money because he asked if I could get his son a gaming gift card for his birthday and a few for him over months. When the bank closed my account I deleted all my social media accounts because I felt targeted and never wanted to be subjected to that again. I just think its not fair they are going after me who lives paycheck to paycheck instead of the real person who does the crime. If you can see someone is logging in my account from XXXX then that should be a flag that obviously it wasnt me. The bank has closed everything and I have asked them to show me what I exactly owe in writing which I have not received anything. I thought it was a hoax at first until I tried to go grocery shopping and my card was declined. They were talking about XXXX transactions and I have never even used XXXX before. They are not listening to anything I said. They just said I need to go into the bank and make arrangements on how Im going to pay them back {$4000.00}. I hung up after they refused to give me the information I requested or they kept on saying I will need to pay them back. Where are the protections against me! I feel if the bank can take my money with a phone call saying they closed my account how am I supposed to trust the bank with any of my money. If you see activity on my account and I said I do not know the person and said he was acting like a boyfriend because I described the situation. When I thought this was resolved months ago the lady at the bank says it happens all the time more than you would think it does. I asked her if I would have to pay the money back months ago and she said we have protections in place and she was like just open a new bank account we dont want to lose you as a customer.
Product: Credit card or prepaid card

I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021 and XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021 and XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Product: Debt collection

I filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors : XXXX -Kickoff Lending XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C 1681 section 602 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 under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX  XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.