23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

They had a data breach of information and I would like for my credit report to be deleted because of such breach I've been saying the things on my report are all wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, EQUIFAX and XXXX i have uploaded my FTC report with letter and ID they have ignored my dispute by saying i need all creditors to send me a letter who all declined to do so. I have sworn fraud and ALL NON HOLDING ACCOUNT INQUIRIES ARE FRAUD On ( date ) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. 

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed. 

If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.
Product: Credit reporting or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as Equifax, and XXXX which are in a class action lawsuit at this time being sued for reporting inaccurate items on credit reports and false information and breaches... Please provide a complete log regarding the dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. Also after going through these accounts that are reporting fraud on my account, I noticed different account numbers and balances for all the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these items and everything included on the FTC AFFIDAVIT the law states these items must be reported as truthful and accurate not fraud. 15. us. code 1681-1c1 identity theft blocking information and 1681 s 2b u.s. code 1692j 1681 2b creditors must block the information within four days and notify the furnished of the report of the fraudulent data. block all current and future reporting. 

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX and hoping that this : XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX will be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.
Product: Debt collection

This should n't have been placed on my credit, the consumer equipment was returned.
Product: Credit card

I applied for a Synchrony credit card account for XXXX XXXX XXXX in XXXX, XXXX  to help my adult daughter XXXX XXXX purchase a couch. The card and account information was to be received within XXXX business days. This was over XXXX  months ago. Numerous calls and promises to provide the card and info have proved not productive. Meanwhile my daughter somehow changed my status from cardholder to co-signor and charged over {$XXXX} without my knowledge or consent. Her minimal monthly payments are destroying my XXXX XXXX right when Im trying to develop property. This company nor my daughter will act to provide my relief or remedy. Today when I called they asked if I wanted to activate my account. I do not want my name on a co-signor account. I do not want to activate any account with these people. I want my name removed from any and all account ( XXXX ) they added my name to without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002  and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Attempted to resolve an automation error via ACH which caused numerous automated fees and cascaded problems along with money theft from BOA. 

I have tried for the past 2 years to resolve the issue, the theft is obvious as the company has taken money out of my account, held it for 5 business days and put it back without consent. 

The money was CASH not a check or otherwise agreeable hold, it was automaton that stole my money and then made my checks or transactions fail in the time it took the money. 

I demand reimbursement and credit fix!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX. program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to navient the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Product: Debt collection

I had XXXX and the XXXX bill for {$99.00} is claimed to be unpaid. I have never received a paper bill from the agency, no calls from the agency, and have paid the doctors group using my Visa Credit Card the complete balance not covered by my insurance. I began getting calls during the summer of XXXX and they continue till today. 
I have repeatedly told these people to not contact me concerning this outdated account ( XXXX ), but they have harassed me at my place of employment, on my cell phone and my home phone. 
They said they mailed me letters, but they do not have my mailing address, and my physical address has never been used for any medical record or doctors files as I do not have a mail receptical at my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd or 4th complaint. I've submitted a long written statement along with all the required back up documents and STILL Experian can't get it right. Their mismanagement of my information has caused me significant grief and stolen hours of my life and adversely effected my credit score. 

Today ( XX/XX/19 ) in the mail I receive mail that had been forwarded by the old tenant at the house that I used to live ( OLD HOME ADDRESS was XXXX XXXX XXXX ). Even after I just sent all my updated information, they STILL mailed my credit report and an identification number/PIN to my OLD ADDRESS. I don't understand how this can still be happening!!!!!! My credit score has declined since my recent issues with EXPERIAN. Why is no one there accountable????? I can not get a hold of real person, this is insane! Even though I sent them all the corrections addressing all my former addresses, and told them THEY spelled my NAME wrong, they still have not fixed any of it. 

FOR GODS SAKE PLEASE HELP ME, THIS IS RUINING MY CREDIT!!!
Product: Checking or savings account

I received a {$900.00} sign up bonus offer by mail from Chase Bank in XX/XX/2023. I went to the website listed on the offer and followed all of the instructions when opening the accounts, including entering the code I received. I opened the required checking & savings accounts on XX/XX/2023 prior to the offer expiring. I contacted Chase today and was told the code had expired in XX/XX/2023 and therefore they could not honor the {$900.00} bonus. The agent said that if I could find another current code for the same bonus they would honor it. I was not able to find a current code for the {$900.00} bonus.
Product: Debt collection

I paid {$1200.00} on this debt XX/XX/XXXX. The medical procedure and first delinquency were XX/XX/XXXX. I applied for and was granted relief from the balance of this debt XXXX {$2500.00} XXXX by the medical provider after those payments XX/XX/XXXX. The provider was XXXX XXXX XXXX at XXXX XXXX. 
Rash Curtis is attempting to collect a debt that I no longer owe. I disputed it with the credit bureaus and it remained on my files. 
Not only is it outside of the federal obsolescence time frame for remaining on my file ( Rash Curtis may have received it XX/XX/XXXX but the procedure and delinquency was XX/XX/XXXX ) ... but they are trying to collect a balance that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 Collection account and hard inquires are not metro 2 compliant. I would like these items removed before I take swift legal action.
Product: Credit card

I am writing to file a formal complaint against American Express and XXXX XXXX for their inadequate response and handling of a fraudulent charge on my credit card. This complaint pertains to an unauthorized transaction of {$1600.00} on my account, which occurred as a result of a security breach on XX/XX/2023. 

Details of the Complaint : Unauthorized Transaction : On XX/XX/, my XXXX  account was compromised, leading to an unauthorized purchase using entirely false billing information ( XXXX XXXX XXXX, XXXX, NY XXXX XXXX ), which has never been associated with my account. Immediately after the charge the account name and email was changed and I no longer had access to my account. 

Immediate Action Taken : I reported the incident to XXXX at XXXX XXXX  on the same day, expecting prompt action. Despite my efforts, XXXX acknowledged the fraudulent nature of the transaction only on XX/XX/XXXX and advised me to resolve the issue with American Express. 

Response from American Express : Despite providing American Express with evidence of the fraudulent transaction and the discrepancy in billing information, the charge was rebilled to my account. The billing address used for the fraudulent transaction was completely unrelated to any address historically associated with my account, raising serious concerns about the effectiveness of American Expresss fraud detection and prevention mechanisms. 

Current Status : Both XXXX  and American Express have failed to provide a satisfactory resolution, leaving me with an unjust charge and a serious breach of my personal and financial security. 

Requested Action : I am seeking the CFPBs assistance in investigating this matter and ensuring that : American Express reverses the fraudulent charge of {$1600.00} and improves their fraud detection systems. 
XXXX is held accountable for their delayed and inadequate response to the security breach and fraudulent transaction on their platform. 
Both entities improve their customer service response to fraud and unauthorized transactions. 
This situation represents a significant failure in consumer protection and fraud management, and I trust that the CFPB will take appropriate action to address these concerns. 

Personal Impact : This incident has caused significant distress and inconvenience, challenging my trust in both American Expresss and XXXX ability to protect consumer interests and financial security. 

Thank you for your attention to this serious matter. I look forward to a prompt and just resolution. 

Sincerely, XXXX XXXX
Product: Debt or credit management

I was working with XXXX XXXX XXXX to resolve debt that I had back in 2018. The debt with CKS financial and XXXX XXXX  were paid. However, the debt showed on all XXXX credit reports and showing in collections for CKS financial. I get debt collectors sending letters and calling when the debt has been paid. I have attempted to send disputes to the credit bureaus and letters showing the debt paid and to have them removed. They showed the debt as accurate and will not remove the items.
Product: Debt collection

I received mail at my new place of work, where I am a single sub-contract agent who does not get paid until the closing of a transaction. I called CBS and was transferred to XXXX XXXX. I tried to set up payment plans of {$25.00} which was my original agreement with XXXX XXXX prior to collection. I am a family of XXXX with {$XXXX} annual income. I tried to explain this to XXXX when she would not let me make a payment of {$25.00}. She was extremely rude to me and caused me a lot of distress with the things she was threatening me with. She told me that they had verified my new employment, " which means I have income and I have to pay at least {$300.00} a month or the balance in full otherwise they would sue me and come after me. And I would n't want to be responsible to more money after legal fees are involved, would I? '' That is rough verbatim of what XXXX said to me over my {$3600.00} balance with CBS. At one point she had me in tears when I tried to explain to her I did not want them contacting my new employer about my collections and trying to get me in trouble with my new job where I am trying to make money. I am a XXXX with no income coming in currently. I am only a few months in the business. She was very hateful and continued to threaten me with court and legal fees if I could not pay more than {$300.00} a month. Anytime I tried to explain that my annual income had not changed from the {$XXXX}, she would keep telling me they 've verified my employment. However, that does not mean my income has increased. 

I am trying to make my $ XXXX monthly payments the best I can. XXXX has me very afraid of being sued when I am trying my best to pay what I can. I am trying to be the best I can and I will continue to make my $ XXXX monthly payments if she would let me. 

It is not fair that I am not allowed by her to make a payment bc she does not feel it is enough money. Nor should I have to keep calling in hopes of getting someone different at CBS that may let me make my payment. I have asked to have a new case rep and they will not allow that either, even after I explain all of the distress XXXX XXXX has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX