23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

The cards are reporting that they are over limit, credit usage increased and payments are behind. The problem us I have never had a XXXX XXXXXX/XX/XXXX and whenever I try to dispute the despute never gets resolved and they say information is correct which is not true.
Product: Debt collection

On XX/XX/2020, I contacted the general number to attempt to settle my debt. I had been working with a debt collector by the name of XXXX XXXX. I wanted to speak to her and was told I wouldn't be allowed to. I told him I wouldn't be able to make a payment previously agreed upon. He told me and I quote " you don't get to speak to XXXX. You don't get to pick who your talk to. Grow up boy and that payment on Monday better be good. Get a real job. '' This abusive contact deterred me from working with the company. I told him I wanted to cancel any payments and cease working with them and he did not cancel the payment and said the money better be there. This was absurd and abusive. He was using coercive and intimidating language in an attempt to secure the funds and then hung up on me without confirming the payment would be cancelled. I do not wish to work with this company any longer and will not subject myself to their predatory practices again. They called me back and blatantly lied to me saying they told me about the letter they sent me offering a 50 % discount on the debt. It was on a recorded line when he told me over the phone that they could settle for no more than 20 % off. These lies and treachery are an embarrassment and make an already difficult situation, more difficult. The insults received from an unnamed employee were also on a recorded line.
Product: Credit reporting or other personal consumer reports

TransUnion credit reporting company refused to remove. Accounts shown prevent lme from seek. credit. Due to these reports. Clients. Below don't b. these are payin clients to transunion to continue keeping reporting on my credit reporting my scores are horriblesl am being forced to make payments., that doesn't belong to these companies. due to me seeking HOUSING .HOMELESS Theses.companies I have profend that l don't owe any these companies, l refuse make payments on can not .Provide me any information XXXX. I have been constantly denied for credit. Due transunion credit Report SYSTEM companies.names. Showing Below XXXX XXXX auto, fingerhut fetti, fingerhut fresh start. Showing XXXX tthree time on my credit. XXXX. These companies also hired different collecting agencies. XXXX management., XXXX. Other companies requesting same amount money.purposely to affect my credit scores ratin scores due to the on going dispute tranunion that never favour Unverified. My scores low .Inquiries is high l can't recieved XXXX due to these inquiries also denied on XXXX. Due to these companies. ERRORS Names doesn't match shown on the account nor these companies can not provide me. Any History payments made on the accounts XXXX XXXX information came from off credit reports who known for placing fraud accounts on people records XXXX finger hut. Was reported fair reporting division XXXX had identical complaintsWhom sold the accounts XXXX manerment .Who can't provide records showing Blank forms. Which isn't showing payment history. accounts been I have attached records below police reports blank pages no records. Information thief alert fraud insurance
Product: Debt collection

I contacted Capital One on XX/XX/2021 and notified them of the 980 violations of my rights as a consumer when communicating with me via telephone, email, and standard mail pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( e ), ( f ), ( g ), ( h ), and ( k ). I sent them an Affidavit of Truth, Cease & Desist, and an invoice for them to pay for violating my rights 980 times. I also notified them of the fact pursuant to 15 USC 1692 g ( c ) that my paying on a fraudulent " debt '' before knowing my rights as a CONSUMER does and did not validate the debt or the fraudulent contract that is now null and void due to being established under false and misleading representations pursuant to 15 USC 1692 e. I provided Capital One with an invoice pursuant to 15 USC 1692 k that states each violation is considered actual damages and worthy of {$1000.00} per violation. That's {$980000.00} in violations alone. Now, before sending off this recent packet of documents, I sent them a Validation of Debt letter and they responded without providing an original agreement and could not produce a page with a wet signature, which is a violation of my rights and fraud. Additionally, I notified them of the fact that they were violating my rights pursuant to the FCRA by reporting this account to the credit bureaus without my express written consent. pursuant to 15 USC 1681 b ( 2 ). I demanded they remove my information from any 3rd party sites, companies, and credit bureas unless I expressly consent in writing.
Product: Credit card

Amex offering for credit card sign-up is a scam : They only provide XXXX miles, not XXXX Bonus Miles Websites Statement when signing-up : You can earn XXXX bonus miles after you make {$2000.00} or more ( the " Threshold Amount '' ) in eligible purchases on your Delta SkyMiles Gold American Express Card within your first 6 months of Card Membership starting from the date that your account is opened. Miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. Bonus Miles may appear on your account in more than one deposit. To receive the XXXX bonus miles, your Card account must not be canceled or past due at the time of fulfillment. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the spend requirement do NOT include fees or interest charges, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for their own offer.

You can earn XXXX bonus miles after you spend {$2000.00} or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend {$2000.00} may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). This offer is not transferable. If your application is not received by XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I noticed there were multiple unauthorized, inquires and addresses listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries or addresses. I submitted a letter, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.
Product: Debt collection

I received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved.

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Product: Vehicle loan or lease

Its showing that my car payments are late on my credit report, but I have made payments through the app and scheduled payments. Its showing that my payments have been late every month.
Product: Debt collection

I applied for a XXXX credit card when I made a purchase for about {$210.00}. Comenity Bank called me repeatedly on different numbers and using " private numbers '' multiple times a day starting on XX/XX/XXXX ( that I'm aware of ). On XX/XX/XXXX, I received one call from XXXX ; one call from XXXX, and twice using a " Private number '' for a total of 4 times on one day. On XX/XX/XXXX, I was called three times using a private number and one time using XXXX. During one call from a private number, I told them to stop calling me after they identified themselves as Comenity Bank. On XX/XX/XXXX, I was called one time using XXXX and two times using a Private Number, one time using XXXX, and two times using XXXX. On XX/XX/XXXX I received three calls from that last number, and today I received two calls from a private number and one call from XXXX. I repeated my request to stop calling me. I felt unduly harassed.
Product: Money transfer, virtual currency, or money service

What happened was I called PayPal about a charge I saw for {$440.00} from XXXX. I immediately called PayPal and told them I never authorized any charge from XXXX. They told me I had to take it up with the merchant. I told PayPal I never authorized any charges from the merchant so why would I take it up with them? Anyway PayPal is now basically telling me I owe them {$440.00} and have denied my attempts to have this unauthorized charge reversed.
Product: Checking or savings account

Commencing with the first time that I attempted to use XXXX to make a payment through my Chase checking account on XX/XX/XXXX, and continuing every single time since that I authorize payment to a new XXXX or XXXX payee ( five separate occasions on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my account has been flagged for fraud. Each time, my transaction has been halted until I complete a series of three personal identification questions and seven transaction-specific questions. The first transaction-specific question that I am asked is " Why are you paying this person or company? '' which is rather personal. This fraud prevention practice consumes anywhere from 20 to 30 minutes of my time and appears to always be handled by an overseas calling center making me question how well-protected my account really is from fraud given that someone overseas is looking at my account each time this happens. I also question why I am flagged with every single new payee in either XXXX or XXXX. I have accounts with two other major banks where I use XXXX and XXXX quite frequently and have never had this problem. Further, I have never reported any fraud issues on this account. I conduct the transactions from my home computer each time so there's no chance that this is being flagged because it's happening on a strange computer from a foreign country. I have elevated the issue three times to Chase 's customer service either by phone or in person at my local branch and each time I am told that this is a part of their normal fraud prevention practice. I find that hard to believe given that the other two banks I use for XXXX and XXXX, XXXX XXXX and XXXX XXXX, have never once done this to me.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, I submitted a Identity police report into my credit reporting file. I called the following credit reporting companies to request a copy of a disputes that I made in XXXX. 
1. XXXX 2, XXXX 3. Equifax Customer service agents for all 3 companies, stated that they would not be able to provide documents of disputes made in XXXX. I am not able to access online.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little over a month ago I had my first ever fraud committed on one of my credit card accounts. I did n't know how they got the information at the time, but I spent a great deal of time sort the issue out. Now I know it likely had to do with the Equifax data breach, and event which I was not notified of and could take no action. 

Equifax mishandled my information which has led to a breach that likely caused fraud on one of my accounts and has the potential to put my financial standing at risk. I am extremely disappointed with how Equifax has handled reporting this breach, as I had no knowledge of the breach until it came out on major media platforms platforms this week. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discovered it via social media. 

Going forward Equifax should be required to monitor every breached account and notify any victims if fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with on a hastily prepared website. Additionally we should not be forced to accept the terms from a company that unintentionally released the data of millions just to fix the potential life-altering consequences of this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax negligently allowed my personal credit data to be obtained by third parties.
Product: Vehicle loan or lease

I applied for a loan thru autopay. I signed the loan XX/XX/XXXX however I received a copy of my loan documents and they were backdated to XX/XX/XXXX. The lender they found me was partner XXXX  XXXX XXXX and they are charging me interest from XX/XX/XXXX and showing me in default of the loan. they did not fund the loan until XX/XX/XXXX. 
I have messaged the loan officer repeatedly and requested a number to call because he has been unable to help me and he tells me he will have someone call me in which has not happened. the credit union claims that autopay has to correct it and says they cant help me
Product: Credit card or prepaid card

For online banking there is often a verification. The options are to contact via telephone or email. The problem is that there is additional contact information which should not be on this account. This information does not show up in the account information, but only during verification procedures. 

Therefore, the card company is mismanaging their data. Mismanaged data is inherently insecure. 

I've called in repeatably on this issue. Most recently on hold a ridiculous amount of time. They do not resolve the issue.
Product: Debt collection

Your company is illegally trying to collect and is furnishing false items that violates my consumer rights and FDCPA and FDCRA. Be advised that your claim is disputed. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act, 15 USC {$1600.00} and as amended by adding the following new Title 8 US {$800.00} et seq., and the Fair Credit Billing Act, 15 USC. {$1600.00} et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any alleged obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the " debt '' by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 
This is was NOT a request for " verification '' or proof of Claimant mailing address or copies of bank statements you could find, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached " Declaration and Proof of Claim '' that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Debt collection

Dear Midland Credit Management, I am writing to address the alleged debt you are attempting to collect from me. Be advised that this communication is a formal notice of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and my demand for immediate compliance with federal consumer protection laws.

Let me be unequivocally clearthe collection accounts listed below that appear on my consumer report represent flagrant violations of my rights and will not be tolerated. I demand their immediate and unconditional removal. 
Account Number : XXXX Your company has failed to provide the information I previously requested, in direct contravention of legally binding regulations. Let me remind you : 15 U.S.C. 1681a ( 2 ) of the Fair Credit Reporting Act ( FCRA ) explicitly excludes from consumer reports any transactions or experiences between the consumer and the reporting entity unless authorized.

15 U.S.C. 6802 mandates that financial institutions must notify consumers in clear, conspicuous terms when disclosing nonpublic personal information to third parties, providing an opt-out mechanism. I have not received any such notice or provided consent. 


Further, I demand that you produce the following documentation as required by law : The amount of the debt you allege I owe. 
The name of the original creditor. 
A statement informing me of my right to dispute the debt within 30 days. 
Verification of the debt if I dispute it in writing. 
The name and address of the original creditor, if different from the current one. 
A statement confirming your obligation to cease communication upon written request. 
A signed contract or agreement that validates your authority to collect this debt. 
15 U.S.C. 1681b ( a ) ( 2 ) restricts consumer reporting agencies from furnishing a consumer report without written authorization. I have not, and will not, provide such authorization. Any negative information reported without my consent constitutes a severe violation.

Given these violations, your actions expose you to liability for damages under 15 U.S.C. 1681n. This provision allows me to seek statutory damages of {$1000.00} per infraction, as well as compensation for the harm caused by your noncompliance. 
Therefore, I demand : The immediate removal of the offending collection items. 
A written confirmation of their removal. 
An updated copy of my consumer report reflecting these corrections. 
You are further instructed to cease all communication with me, except to provide the specific information requested herein. Any attempt to contact me by phone, mail, or other means, outside of these parameters, will be construed as a willful violation of the FDCPA and pursued accordingly. 
This matter demands your prompt and serious attention. Delays or continued noncompliance will leave me no choice but to exercise my full rights under federal law, including legal action. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

An fraudulent account was opened with Discover Bank back on XX/XX/year>. This account was opened without my consent nor knowledge. My identify has been comprised. I have already informed all three bureaus ( XXXX, XXXX, and XXXX ). I have provided the creditor as well as the reporting bureaus with information showing the account was opened fraudulent. These reporting agencies and creditors are not investigating this error correctly. All three credit bureaus deleted the account now its back saying it was verified. When I know this is inaccurate and not my account. Even information used to opened this account was incorrect. 

This is ridiculous that I have to file a complaint to get this properly investigated and removed. I am highly upset that Discover even let someone open this account. Please investigate and remove this account as it is destroying my credit history or I will have to seek legal action against Discover bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  I cosigned on a private student loan from  XXXX   XXXX  ( now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XXXX  that  2  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of one of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.