23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

good afternoon and hoping everything is going well during this pandemic. Listen, I'm not sure why this collection account continues to report on my credit where I was told that it was going to be removed. It continues to report inaccurate information, unverifiable data. Why is it still here? 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 attempted to access my Credit Karma XXXX account via XXXX to route my tax refund into this account. Upon trying to log in, I discovered that the account was linked to a phone number I did not recognize, making it impossible for me to gain access. On XX/XX/XXXX, I first contacted Credit Karma customer service to update my phone number. Despite multiple communications, including phone calls and emails, the issue remains unresolved. 

On the same day, I received an initial email from Credit Karma confirming my request, but there has been no follow-up action or communication from their side. This has prevented me from accessing my account and, as a result, from filing my taxes, which are due imminently. 

Each interaction with customer service has ended with them stating that no one was available or authorized to update my phone number. I have repeatedly asked for a resolution or for any alternative steps I could take, yet the responses have been consistently unhelpful and have not addressed the urgent nature of my situation. 

This ongoing issue has caused significant stress and inconvenience as the tax deadline approaches, and I am concerned about the security implications of not being able to update my personal information in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account CREDIT COLLECTION SERVICES with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to CREDIT COLLECTION SERVICES but I did not receive what I asked and these violations persist on my credit report.
Product: Bank account or service

Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Bank of America also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX, TN XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX Sincerely XXXX XXXX XXXX
Product: Debt collection

I sent a debt Validation letter on XX/XX/2021 which I have attached, asking for the provided information requested in the letter. Cavalry has not sent Validation of the debt they only sent a letter with " NO '' information on where this debt came from and amounts owed.I am requesting that you remove this erroneous information from my credit report. This has caused a great deal of stress and they are reporting someone with the last name XXXX.
Product: Debt collection

Mailed multiple letters trying to verify this debt they say I owe however havent received anything stating this debt is correct or belongs to me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Debt collection

Today on XX/XX/XXXX I received a letter coming from a XXXX XXXX XXXX Transworld systems Inc. and this is a debt collector for XXXX XXXX XXXX I have not had T-Mobile cell phone service in many years since XXXX or XXXX, its a debt collection for {$710.00}. I would like to know what is this, this debt can not be mines and why do I need to pay XXXX if I dont owe XXXX any money. Ive had to deal with identity theft for almost 7 years, I dont need an additional headache.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? As per the fair credit reporting act section 609
Product: Credit card

My husband and I have a Sears Mastercard through Citibank. My husband is the primary account holder and I am on the account as a user. We received our statement on XX/XX/2024. On the XXXX page of the statement at the top, the following rewards offer was printed. " Shop with Points at XXXX XXXX  '', " Now you can redeem XXXX ThankYou Points for {$5.00} worth of eligible purchases at XXXX XXXX with your Sears Mastercard. 

How to redeem : shop In-store at a participating XXXX XXXX location. 
Swipe your Sears Mastercard at checkout When the screen displays an offer to redeem ThankYou Points. select " Yes '' to redeem the offer. 
On XX/XX/2024 I went to XXXX XXXX, this is what happened. 
I did the exact instructions and the {$5.00} was not taken off. I called the Citi phone number on the card, same on the statement and was told it was only valid on the primary card. I kept getting the run around and told them I was filing a complaint with the CFPB.
Product: Debt collection

XXXX XXXX XXXX is trying to collect XXXX on an account that was originally a Best Buy credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. XXXX XXXX phone is XXXX XXXX. My credit took a huge drop. Best buy  credit card was opened on XX/XX/XXXX.
Product: Checking or savings account

I believe that my identity is stolen. No one told me about any investigation I kinda assume there was something going on but when I saw my credit report, I have lived all my life at XXXX XXXX, and there is out of state from my credit. There is a lot of fraud on my credit report I even lost my job
Product: Credit reporting or other personal consumer reports

My report lists hard inquiries not authorized under 15 USC 1681b ( c ) ( 2 ), which are damaging my credit score. Kindly remove them. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed my concern with misleading information being report to consumers. A few months ago Transunion was continuing to report an item that was requested to be deleted from my credit report at the request of a creditor. The company mailed to me copies of the requested deletion. 
Transunion report credit scores XXXX points below other companies. 
Transunion is presently reporting and item that show no available information. Transunion report is reporting a debt of XXXX. That was in the center of the Pandemic when everything was closed and no business was being conducted in my area. I believe the federal government stop any items from being reported during that time frame. 
Another item listed has a XXXX balance Transunion is being reported it as a debt. There was any item of a credit card debt. The credit card was had not been used. My bank contacted Transunion at least twice to request for those items to be deleted. 
I am unsure why there are always so many errors reported through Transunion.
Product: Debt collection

XXXX called me out of the blue on XX/XX/XXXX about an amount supposedly owed to an ER doctor in XXXX XXXX, Rhode Island. I had already received an EOB from my insurance company saying that I owed nothing. I asked the person on the phone to send me a copy of the bill which they never did. I continue to received daily robotic phone calls from all different numbers. I have spoken again to my insurance company and they say I don't owe anything and if this company sends a bill to forward it to my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
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: Debt collection

XX/XX/2019 an IC SYSTEMS posted a default cable debt of {$920.00} in another city in TEXAS that I've never lived. Someone has my social and name and is opening CABLE accounts. 

you can check my credit and personal records- I'VE ALWAYS LIVED IN THE SAME HOUSE FOR 17 YEARS
Product: Mortgage

I recently received a negative mark on my credit for being more than 30 days late with a payment on my HELOC with Umpqua Bank. It is the only negative mark on my credit. I manage my HELOC with Umpqua 's online banking and their system mislead me that I was up to date on my payments. During the one month at issue, my family was in and out of the state dealing with a family medical issue so I was extra reliant on their on-line system. According to their online system, and even when I was apparently late in paying, ( XXXX ) I did not owe any payment ( XXXX ) there was no outstanding payment due and ( XXXX ) my next payment wasn't due until XXXX. I had overpaid in XXXX so I assumed this was due to this overpayment. 

After I received the mark on my credit and raised this issue with XXXX, they sent me a list of phone calls they made. Unfortunately, when they made the phone calls, my wife and I were in the process of applying for a mortgage and I was receiving a ton of marketing calls from banks. Since Umpqua did not leave any personal identifying information, I did not know that the calls were regarding an issue with my HELOC. I completely relied on their online banking system and recall checking it a number of times to make sure I was up to date. 

In response to my complaint regarding the mark on my credit, Umpqua employees told me that they were in the process of updating their online system, in part to address these issues. To my knowledge, these updates have not happened. Also, this information does not address the harm to my family from the mark on my credit. I spoke with multiple employees at Umpqua who reiterated that they understand their online system is highly problematic and that it is in the process of being improved. 

My wife and I have a family business and we heavily rely on my credit. This mark on my credit has dropped my score about a XXXX points. Umpqua can not advertise that they have an online banking system when it is so woefully inadequate to address modern business practices. I am incredibly disappointed in their refusal to amend the mark on my credit and support small businesses like my family 's. I feel that the failed disclosure around the inadequacy of their online banking system, the failure to more quickly update their online system when they knew it is misleading, and their failure to adequately address issues like mine when harmed, are all clear consumer protection issues. Their online system should instead have had a large warning label. 

As soon as I was aware that I was " late '' in paying interest on the HELOC, I again overpaid on the line. I would greatly appreciate if this mark on my credit could be removed and if other consumers could be warned of Umpqua 's misleading online banking system.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX Barclays Bank for Improper Debt Reporting and Failure to Issue Form XXXX To Whom It XXXX Concern, I am writing to formally file a complaint against Barclays Bank for their handling of a charged-off account, which includes both their failure to comply with federal reporting laws and their continued reporting of the charged-off debt to credit reporting agencies. 



Summary of XXXX Barclays Bank charged off my credit card account, reflecting a balance of {$5200.00} with {$4300.00} written off. Despite this charge-off, they have : XXXX. Failed to issue Form XXXX ( Cancellation of Debt ) as required by law under Internal Revenue Code ( IRC ) Section XXXX. 

XXXX. Continued to report the charged-off account to credit reporting agencies, effectively treating the debt as both canceled and collectible, which is inconsistent and misleading. 



XXXX Laws XXXX. XXXX XXXX XXXX ( XXXX ) Section XXXX : Requires creditors to issue a Form XXXX to the debtor and the IRS when {$600.00} or more of debt is canceled, XXXX, or deemed uncollectible. Barclays Banks failure to issue this form constitutes a violation of federal tax law. 

XXXX XXXXXXXX XXXX specifies that creditors must issue the form upon events such as a formal charge-off or cessation of collection efforts. 

XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2, creditors are required to report accurate and consistent information to credit reporting agencies. By continuing to report the charged-off account as a delinquent obligation, Barclays Bank XXXX XXXX misleading information, causing harm to my credit profile. 

XXXX. Unfair or Deceptive Acts and Practices ( XXXX ) : Barclays Banks actions XXXX constitute an unfair or deceptive practice by failing to comply with their legal obligations and simultaneously reporting contradictory information. 



Harm Caused XXXX Credit Reporting Damage : The continued reporting of the charged-off account has negatively impacted my XXXX XXXX and ability to secure credit. 

XXXX. Tax Implications : By not issuing the required XXXX XXXX, Barclays Bank has XXXX the burden of compliance on me, creating confusion about my tax obligations and leaving me at risk of an audit or penalties. 



Requested XXXX I request the following actions : XXXX. Barclays Bank immediately issue the required Form XXXX for the canceled debt of {$4300.00}. 

XXXX. Barclays Bank cease reporting the charged-off account to credit reporting agencies if the debt has been canceled. 

XXXX. The CFPB investigate Barclays Bank for their non-compliance with applicable laws. 

XXXX. Barclays Bank provide written acknowledgment of their errors and ensure compliance with all federal laws moving forward. 



Thank you for your time and attention to this matter. I look forward to a resolution that ensures compliance with federal laws and restores fairness to my financial records. 



Sincerely, XXXX XXXX Please attached screenshot from XXXX XXXX XXXX from latest dispute
Product: Money transfer, virtual currency, or money service

I was approved for a paypal account over a year ago and encourage to use their service consistently which I did. Now as of today they claim I have somehow breached their users agreement outline and have stated that they are holding my funds for the next 180 days without any discussion or reason. I am a completely legal supplement business and veteran owned. How can they hold MY money captive for 6 months with no justification or personal explanation. It is clearly a fraudulent action and is illegal. They have been sued before for this illegal action and they need to be held accountable. 
PayPal is a scam and anything but a businesses " Pal '' XXXX XXXX veterans seems to be a pattern with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

They mishandled my information, which puts me and millions of other people at risk for identity theft and fraud. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax several times to properly do an investigation and it has been more than 30 days and THEY CAN NOT FURNISH ME THE CONTRACT THAT I HAVE BETWEEN THEM but are constantly reporting it on my consumer report as Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX In According to 15 U.S. Code 1692g - validation of debts. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. In I have showed them multiple times of how they are keep violating the Fair Credit Reporting Act. This is hurting my future and I wish someone would hold them accountable for this improper reporting on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for a credit card, and it was denied due to a low credit score per Equifax credit report. On XX/XX/2022, I contacted Equifax and after I paid for a membership to look at my credit score, I noticed that my address, credit card accounts, mortgage details were incorrect or missing. After several calls to Equifax between XX/XX/XXXX and XX/XX/XXXX, I was not able to obtain help to fix the above problems.
Product: Debt collection

My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from Portfolio Recovery from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for XXXX XXXX. I called the number back and spoke with someone who stated they were attempting to collect debt for XXXX XXXX. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called XXXX XXXX and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Equifax is continuously incompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you