23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed FTC Report found inaccurate and unauthorized accts on my report, nobody would help me.
Product: Credit card

On XX/XX/XXXX, I have a confrontation with one of the Synchrony representatives about my account with XXXX about my store account. That representative explains to me that I had no right to order any of the products with my reward points without authorities and approval from the company. The representative told me that I had to present barcodes, dates of orders and points that I used on each item. The Synchrony rep. stated that she was going to report me to her supervisor with an internal investigation into me. I have paid this account in full several times. As of this current date of XX/XX/XXXX, I spoke with another rep. stating that they were going to investigate my account. Also, give them two bill cycle to get back in touch with me about my account. And that I still owe a balance on {$210.00} which is delinquent, that decreases my credit scores.
Product: Debt collection

Global Trust Management is calling me repeatedly to collect a debt I do not owe. They will not tell me who the debt is from or how much it is. They are asking for personal information ( if I am s senior citizen etc. ) I have told them to stop calling me and that I do not acknowledge any debt they me be calling about. They continue to call using the same tactics, asking for personal information and refusing to answer questions about the debt they are trying to collect. The call always ends the same way. They say that because I am refusing to cooperate they are terminating the call. 

I check my credit reports regularly and I am not behind on any debt that I have. And do I have any outstanding judgments against me. All of my credit accounts are paid current and I have a higher than average credit score.
Product: Debt collection

On XX/XX/XXXX of 2019 I contacted Penn Credit Corporations in an attempt to get a debt verified and the representative was very disrespectful and told me because I had previously asked about a settlement offer that the requested offer was validation and I tried to explain that I asked about the offer simply because I didnt want anything reported on my credit negatively. They failed to give me an address for the reported XXXX XXXX account. I have disputed this matter with the bureau and havent heard back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE
Product: Debt collection

On  XXXX / XXXX / 17  I contact ed Professional Med Clctn an d spoke with a lady by the name of  XXXX . I paid Account number  XXXX  in the amount of {$60.00} using my debit card and received confirmation number  XXXX  from her. I also paid Account number  XXXX  in the amount of {$61.00}, again on my debit card and was told to use the same confirmation number. That same day I also paid with my debit card on Account  XXXX  and received confirmation number  XXXX . I was told that they would update the credit bureaus with these payments. After reviewing my credit report today, I should that they are still reporting Account  XXXX  and  XXXX  A as not being paid. When I spoke with the company, they told me that the payment that I made had been applied to an old account th at was 15 years old and t hey could not make any adjustment. When I called in and spoke with  XXXX , I specifically told her what I wanted to pay and thought that the payment was being applied to these  XXXX  accounts. At no time did I approve a payment to be applied to an account that wa s 15 years old.
Product: Debt collection

On XX/XX/2022, Professional Placement Services added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Professional Placement Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am submitting my FTC report about my current complaint
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a wire transfer for {$46000.00} was summited to our family trust account at JPMorgan Chase Bank NA from XXXX XXXX. Chase bank refused to accept the funds. 
The transfer should have taken no more than 48 hours but it still has not been completed as of XX/XX/XXXX. 

We called Chase Bank on XX/XX/XXXX and were told they had reached out to XXXX XXXX  and were waiting to hear from them. To give them 24 - 48 hours. We called them back several times over the past week and the money has still not been transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX One Main was contacted by mail stating they are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my CREDIT BUREAU consumer report on ( XX/XX/XXXX and XX/XX/XXXX ) and without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ) And also defamation of character
Product: Debt collection

Bathroom was not working and I continue to ask the landlord to fix it. Bathroom was fix, but continue to have problem with this issues. I explain to the landlord that I could n't wait a whole weekend with a the bathroom being fix. Called some in to fix and they told me that they were not going to paying for there services. Left property due to no bathroom.
Product: Money transfer, virtual currency, or money service

Fraudulent withdrawals of crypto currencyXXXX lXXXX From merchant : Coinbase Pro To XXXX, that I NEVER had or have an account with 1 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} 2 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} Please investigate and recover my losses. 

Claimant/Consumer : XXXX XXXX Cell : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

I have been made aware that Barclays Bank Delaware continues to violate my consumer rights excessively! I have had multiple encounters with Barclays and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Barclays Bank Delaware has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 


Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries made. The Hard inquiries made a result of identity theft, and that they must be removed no later than XXXX business days
Product: Checking or savings account

Citi Bank blocked my checking account on XX/XX/2021 without giving me a valid reason. Since then I have not been able to access my funds, online banking and my salary is stuck in this account. I tried calling their Fraud prevention team but they could not give me any specifics. They asked me to wait for 48 hours. 48 hours have passed and I have tried reaching out to their Fraud team but with no success. Meanwhile, I can not access my own money, can not pay my bills.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

I had a bank account with bank of America in California, I was starting a business, I had investors for funds, the investors supplied money for the business to get under way. The bank of America froze my account and I called the bank when I found out no funds were available and I knew funds were in the account the bank is saying that this was not my money in the account and this is why we froze your account. I have the sum of {$1700.00} due me from the bank of America and went to the bank today to resolve this matter they refused still to pay me my money. I received today a letter from the state of California State Controllers office stating the funds If I do not get from the bank of America by XX/XX/2018 the business is required by law to send the funds to the state controllers office ( SCO ) and can be claimed by me there. I tried to resolve this today XX/XX/2018 but the bank of America still refuses to send the funds or pay me the money due me
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

BARCLAYS BANK DELAWA ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

I will attach a file showing I have repeated tried to contact the company via certified mail, asking for proof that this debt belongs to me. My request were not answered and were ignored.
Product: Credit card or prepaid card

I checked my credit report on XX/XX/20, and discovered 3 credit inquiries that were fraudulently made in my name attempting to get funds from Upstart. The inquiry dates were on XX/XX/20, XX/XX/20, XX/XX/20. I immediately put a freeze on all three of my credit reports with the bureaus. I spoke with a customer service representative with Upstart who informed me that {$4000.00} was approved and close to {$4000.00} in funds were given to the person who fraudulently completed the loan application.
Product: Debt collection

I wanted to set up a payment arrangement, but they keep calling from a zeroed out number, then send a notice claiming they are suing us.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Vehicle loan or lease

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ACCT # XXXX CAPITAL ONE AUTO FINANCE you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 


As defined by the IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax return. 

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 U.S. Code 1681s2 Says you Capital One Auto Finance are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish accurate information. I demand you to Cease and Desist the reporting of incorrect/in accurate information immediately. 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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.

You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX XXXX 

The above paragraph is taken directly from the IRS XXXX publication. 

SEND ME FORM 1099-C that you should have sent when you Filed the account as a canceled debt. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 ( ii ) the information is, in fact, inaccurate. 
Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. 

In conclusion I have shown you and you have been put on notice that you are reporting Inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this INACCURATE information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 

You have caused me and my family severe harm due to your negligence and INACCURATE reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my Consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged ; XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX regarding 8 accounts totaling {$48000.00} reported by ECMC of dates of these account opening on XX/XX/XXXX. I informed them that I had no knowledge of opening these accounts on or around that time. XXXX  responded back with a copy of my credit report indicating when these accounts will be removed on XX/XX/XXXX however they did not fully investigate that these accounts are associated with old accounts from XXXX and ECMC re-aged the accounts to XX/XX/XXXX as well as XXXX XXXX, XXXX XXXX, and XXXX  re-aged the same debts during the transfer from one office to another.
Product: Debt collection

Macys/citi bank credit card company XXXX closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.