23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from TARGET CARD SERVICES. TARGET CARD SERVICES has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. TARGET CARD SERVICES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). TARGET CARD SERVICES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. TARGET CARD SERVICES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? TARGET CARD SERVICES has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). TARGET CARD SERVICES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified TARGET CARD SERVICES in writing that I refuse to pay the alleged debt and wish TARGET CARD SERVICES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since TARGET CARD SERVICES has failed to comply with provisions of 15 usc 1692 TARGET CARD SERVICES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OPPITY FIN XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX  XXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries on my credit report. As a victim of a data breach, I believe these accounts and inquiries were added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} XXXX. XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been notified six times of the error regarding XXXX XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX 2017. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX 2017. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, EXPERIAN CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!
Product: Debt collection

I do NOT have any debt other than my monthly bills. My credit score is over XXXX. These people at XXXX XXXX and XXXX have been calling me and leaving a recorded message almost everyday for 2 months now. I can not get them to stop
Product: Mortgage

I am the original borrower on a mortgage through Lakeview Loan Servicing. On XX/XX/year>, a loan assumption was completed, and the mortgage was transferred to the new borrowers. Despite this, on XX/XX/year>, the new homeowner called Lakeviews automated system and authorized the XXXX mortgage payment of {$1700.00}. This payment was erroneously withdrawn from my personal bank account. 

On XX/XX/year>, I contacted Lakeview Loan Servicing to report the unauthorized withdrawal. I was instructed to provide proof of payment through my bank, which I promptly submitted. Since then, I have called daily to request a refund of the payment that was illegally processed. 

However, I am being given the runaround. I am consistently told that, because I am no longer on the loan, no one can speak to me, and a case manager is supposedly " looking into it. '' Despite my repeated requests, I have not been put in contact with this case manager. Lakeview representatives have also falsely claimed that attempts to reach me have been made, though I have not received any phone calls or emails since reporting the error. 

The lack of communication and the refusal to address or resolve this issue has caused significant frustration and financial burden. I seek assistance in recovering the funds that were wrongfully taken from my account and ensuring that Lakeview Loan Servicing addresses this matter properly. 

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

Equifax is not updating the payment history for my XXXX XXXX XXXX account. Equifax updated the credit limit, but never updated the payment history. I have never missed a payment, or have been late with a payment to XXXX XXXX XXXX, yet Equifax is showing that through XX/XX/year> to XX/XX/year> no payment history was reported. I have made every payment from XX/XX/year> to XX/XX/year>. I will be submitting documents to prove that I have made every payment. This is a continuing problem with Equifax. I have been trying to get Equifax to update the account completely since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the original debt collector XXXX XXXX XXXXXXXX XXXX reporting as a collection/chargeoff account and I guess they sold the account to XXXX XXXX XXXX They are reporting to Experian XXXX as an open account and reporting to XXXX XXXX as a collections account. I dont understand how could they do this?
Product: Debt collection

I was never contacted by this debt collection company ( Transworld Systems ). I was only made aware of the debt because I saw it on my credit report. I have since called Transworld Systems on 4 separate occasions requesting a debt validation letter and have received nothing. According to every representative I have spoken with on all 4 occasions, no letter has been sent. I have never been given any information validating the alleged debt I owe not have I been given notice that I could dispute said debt.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, Synerprise Consulting Services called my phone number and asked me to pay {$2000.00} in medical debt. They claimed I had a service on XX/XX/XXXX and owed money. They were very stern and didn't provide a lot of information. When I asked what this was for, they could only tell me that I had debt from XXXX XXXX. I asked for their callback number. 

On XX/XX/XXXX at XXXX XXXX, I called Synerprise Consulting Services and asked what name was associated with my phone number. They told me it was my name, but it was not associated with my birthdate. Therefore, they said they had the wrong person. I asked how they obtained my phone number since the debt and services were not associated with me, and they said a third party service provided the number. It seems like it should be illegal for Synerprise to query a list of names and get phone numbers. The phone number should come from the medical provider of the original services.
Product: Credit card or prepaid card

My card started being declined XX/XX/XXXX. The company promised the transition would not affect my using my credit card. They have a six hour wait to get customer service. On the rare occasion that you get the option to get a call back they call you back at XXXX in the morning or the person doesnt know whats going on and you eventually get disconnected. It was a XXXX XXXX XXXX card its now the Goldman Sachs Marcus card. their website does not work and I can find no information about benefits and costs of this card.
Product: Credit reporting or other personal consumer reports

In 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. 
ACCOUNT NAME : 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  these list of accounts has violated my rights. 15 U.S.C 1681 SECTION 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 SECTION 604 ( a ) SECTION 2. States a consumer reporting agency can not furnish an account without my written consent and instruction. 15 U.S.C 1681 ( c ). ( a ) ( 5 ) SECTION, states that No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Reached out to the creditors regarding the validity of the debt, but they did not provide any. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. 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. Please deletet these fraudulent accounts from my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block inc ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ) specifically. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX Date Opened XXXX XX/XX/2006 Balance : XXXX XXXXLate/Closed
Product: Credit reporting or other personal consumer reports

Upon checking my Transunion credit report, I found a hard inquiry from a company that I did not recognize. 

XXXX XXXX XXXX XX/XX/2023 I called Transunion to have it removed, as this is affecting my credit score negatively and impacting my young family 's ability to grow financially. I was told by the Transunion representative that I would have to submit a written request to the company asking for documentation directed to Transunion to remove the inquiry. Imagine that. A company you don't know and never contacted, pulls your information from a bureau ( only Transunion for that matter ) without your consent, Transunion gives them your personal info without your consent, and then demands you to request documentation to rectify the issue they created by illegally giving out your information in the first place. Absolutely ludicrous!
Product: Credit card or prepaid card

I requested information from Discover regarding how much of a line of credit I would qualify for with 0 % APR for 15 months, but was unsatisfied with their answer and so never completed an application for a card nor accepted any terms and conditions. 
I was then mailed a card anyway, with a term sheet that said " You accept this Agreement if you do not cancel your Account within 30 days after you received a Card. '' This is predatory and takes advantage of those who may not read their tiny-print terms or have time to cancel a credit card they didn't even want.
Product: Checking or savings account

Bank of America regularly charges maintenance fees for balances under {$300.00} at the end of a month
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX Equifax reported late late payments on my credit report!! I have a wage attachment from my job during this time and still do.
Product: Bank account or service

I signed up for a Citigold checking account with a promotion for XXXX XXXX miles XX/XX/2016. I completed the requirements for the promotion XX/XX/2016 and contacted Citi to verify. I received a message from Citi stating that I 've completed all requirements for the promotion and would receive my miles within 90 days. After those 90 days passed, I contacted Citi and they did an investigation and concluded that I would n't be getting these miles. I was told in a written letter that I would be getting these miles and now that it 's time to hold up their end of the deal, they are trying to back out. This is outrageous and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint and there is no third party involved. 

Default and Opportunity to cure Attached To whom may concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipt enclosed ) requesting that you remove information from my file and you have failed to do so. 

Accordingly, I can show a judge that these account are reporting illegally by your company and that you violated the Fair Credit Reporting Act by ignoring my requests to Delete the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. ( all Documents attached ) If this final request does not prompt you to conduct a proper procedure to delete this accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit report and tried to unfreeze it at a later point. I used all the same information, I am sure of this. Experian refuses to unfreeze it until I send in a long list of documents that I do not have. When I try calling it is not possible to speak to a human.
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 for account COLONY/GINNYS Account # XXXX. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

XXXX XXXX XXXX continue to report this debt from capital one which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.
Product: Student loan

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave Department of Education/Navient any written consent to report anything on my consumer reports. no consent is identity theft. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security card was used in the transaction.

According to 15 U.S. code 1666b the timing of payments, Department of Education/Navient is in violation to my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX