23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a complaint ( XXXX ) on XX/XX/XXXX regarding this company not being bonded or licensed to collect in IL. They submitted the attached document from the IDFPR. At that time in XX/XX/XXXX, they were licensed. However, per the attached that THEY sent me and upon checking the IDFRP 's website moments ago, their license has expired on XX/XX/XXXX and legally they can not collect from me and all collection efforts must cease or I will get my attorney 's involved and file a law suit for violating my rights as a consumer. There are currently 3 negative items reporting on my credit reports from them and I want them removed ASAP!!!
Product: Debt collection

XXXX which is the creditor has contacted me from XX/XX/XXXX until current XX/XX/XXXX a total of 79 times just from phones calls and has left voicemail messages as well as sent text messages. I did speak to a representative XX/XX/XXXX and XXXX to advise them that I had a hardship due to medical and that I was unable to make any payment at the time. The balance owed to this company is {$100.00}. The account is currently closed and has literally screwed up me credit report and has reported late payments. I'm fighting currently to have them remove this off of me report as well as to clear up any late payments. At this point this is a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXXXXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXXXXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Charge-Off Violation of 15 U.S.C. 1681s-2 ( b ) I am writing to formally dispute the reporting of a charge-off on my XXXX XXXX XXXX XXXX account Number XXXX XXXX. This charge-off is inaccurately reported and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). 

Under this provision, a furnisher of information is required to conduct a proper investigation once a dispute is filed with a consumer reporting agency. I am requesting that Experian initiate a reinvestigation into this matter and verify the accuracy, completeness, and legitimacy of the reported charge-off. 

Additionally, I am requesting : 1.Proof of the validity of this charge-off, including documented evidence from XXXX XXXX XXXX XXXX that substantiates the amount, terms, and charge-off status. 

2.Evidence of compliance with all relevant laws regarding how this charge-off was reported to Experian.

3.Deletion or correction of this inaccurate entry if the furnisher is unable to verify its accuracy. 
This dispute is made in good faith, and I expect Experian to fulfill its legal obligations under the FCRA. If the information can not be verified as 100 % accurate and complete, it must be deleted immediately from my credit file.
Product: Credit card or prepaid card

I've been trying for days to pay my Comenity BJ 's XXXX. Their website says they are doing a maintenance update, so not able to login. When you call them there is recording saying they can't assess your account information and their offices are temporarily closed.
Product: Credit card

Synchrony rewards on my XXXX XXXX are not redeemable on XXXX It shows I still have XXXX rewards when I have an available reward balance of XXXX points. Synchrony only applied a partial credit of XXXX reward points, when they clearly see I have XXXX remaining. I have contacted Synchrony over XXXX times in the last 6 months with no resolutions. Many other people are having this same issue according to online searches and XXXX blames XXXX, while XXXX blames Synchrony. The XXXX XXXX states I am able to redeem the rewards on XXXX, however that is not the case. XXXX shows I have XXXX available reward points to redeem!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XXXX XXXX was made on time to XXXX XXXX before they would delete the late notice for XXXX XXXX. I have provided XXXX  email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from Lexis Nexis stating that the following account could not be verified and it was immediately DELETED from my credit file.

US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account.

* Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account.

PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.
Product: Credit reporting or other personal consumer reports

Wells Fargo wrote off the Balance of my Credit Card account XX/XX/2024 but has been illegally reporting the account as a debt on a monthly basis to all 3 credit bureaus. I have contacted Wells Fargo XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024 and was denied the 1099 and advised that there was nothing that could be done about how its reporting each time I called.

Violating consumer laws : 15 USC 6802 and15 us 6801
Product: Credit card or prepaid card

This is an Alert to help you manage your credit card account ending in XXXX. As you requested, we are notifying you of an online, phone or mail order charge. A charge of ( $ USD ) XXXX was authorized at XXXX XXXX XXXX ... on XX/XX/2017 XXXX XXXX EDT. Do not reply to this Alert. If you have questions, please call the number on the back of your credit card, or send a secure message from your Inbox on www.Chase.com To see all of the Alerts available to you, or to manage your Alert settings, please log on to www.Chase.com. I received 2 of these alerts that these charges had been allowed to go through. I have been compromised several times and they said I was on high alert and that unusual activity would prompt an inquiry from Chase. For example ... I called and gave them notice that I would be putting a large amount to pay my construction contractor and they put me through a rigorous security check before approval. However,,, the security seems to have lapsed for these 2 fraudulent transactions which they did not subject to scrutiny at all! I feel they were negligent and derelict in their duty especially since my account is supposed to be on some kind of high alert status.
Product: Checking or savings account

Regarding a missing SSA deposit made On XX/XX/year>. After reporting my missing Benefit payment to SSA, I requested a currey Statement. I was not a current ( one reflecting XX/XX/XXXX payment ) but one dated XXXX XXXX through XX/XX/XXXX XXXX. Again I reported to SSA. Again I requested Chase to furnish a current statement, I was a told a I could not one dated later than XX/XX/XXXX. FINALLY on XX/XX/XXXX, my account summary ( ending in XXXX ) Reflects on XXXX XXXX my SSI Treasury payment was received. ALSO on XX/XX/XXXX my SSA payment shows payment received! I requested another summary the following day XXXX XXXX. Contrary to the previous day the summary shows no payment of SSA being deposited to my account. As of today XX/XX/XXXX, I have not received my SSA Benefit payment. My " Guess '' is my account has been hacked, and Chase won't own up to it. SSA been notified every step of the way. Their position is Chase still has my SSA Benefit payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan, since 2011 and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.
Product: Checking or savings account

I have an HSBC expat account. I am a ( US ) citizen XXXX XXXX HSBC required a lot of info about my address etc, to open the account, which I duly provided. However, after a few months, their security Dept asked me to update my info, which I did. They called back saying it didnt update so they need it again. This happened like XXXX or XXXX  times, each time asking for the same info I had already provided. 

I told them I was moving jobs, and they blocked my card in the middle of a move internationally, blocking my access to my own money, while in a move. My family couldnt eat due to not having funds. I tried to resolve this many times with HSBC but they never fix it. I just keep going in circles. I am stranded in a foreign country with no access to my money because of their idiotic process and because their system isnt showing the info I have sent them time and time again. 

I am furious
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a notarized Direct 609 letter to all XXXX  credit bureaus to investigate the negative accounts on my credit report. In accordance with the FCRA, that they investigate and correct these inaccuracies within 30 days of receiving this letter. Additionally, I request that they provide me with a detailed response outlining the results of your investigation, including the steps taken to verify the accuracy of the information and any changes made to my credit report. 

On XX/XX/year>, I then sent a notarized & certified 30 Day Demand to Comply letter within the specified timeframe and they failed to provide. I have also put on notice and include filing complaints with the ( FTC ), XXXX, and the attorney general of Missouri, considering legal action to protect my rights. 

Negative accounts Account Name : XXXX XXXX  Is Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXXAccount Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXX. Account Name : XXXX Account # : XXXX Issue : unauthorized To ensure compliance with federal law, I expect a prompt response and resolution to this matter. Please send all correspondence regarding this request to the address listed above or via email at XXXX Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate addresses are reporting on my personal credit file with XXXX, XXXX and TransUnion credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit 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 card or prepaid card

On XX/XX/2018 I charged {$5000.00} toward a car at XXXX XXXX. On XX/XX/2018 I had a damage loss for {$490.00} on the same car. I called Citi about the loss and they referred me to the programs department that offers damage guarantees. The programs department would not offer an explanation but denied my claim immediately. They could not explain the program but insisted it wasn't covered. They said I would receive a copy of the program through the online messaging system. I reviewed the messaging the next day and they did not sent any document about the program. They did sent a message on how great the program is for the Citi Card. 

Loss : Vandalism. Broken Window. Police report on file.
Product: Credit reporting

To whom it may concern, XXXX negative accounts ( XXXX XXXX XXXX charge off accounts are NOT MINE. see attachment ) on Experian credit report are incorrect. Filed claim to Experian fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with XXXX XXXX, police report. Experian is refuse and ignore to remove fraud accounts from my personal credit report stating to direct communication to XXXX XXXX or investigations ends. See attachmentsDuring the last 60 days investigations, Experian found that there were different version of my name on my report, I had to supply my ID and proof of residency and identity.Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I contacted XXXX XXXX, grantor of the credit accounts through credit report, notified them there are fraud charges are made on my name, demand them to close account and validate via USPS Certified Return Receipts Three times to each grantor. XXXX XXXX ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Now Experian is refuse to remove these XXXX fraud accounts from my record, accusing me that I did not communicate with Grantor, XXXX XXXX, knowing the fact that I had notified them since XXXX 2015 over ( Nine ) months. I filed claim to credit reporting agency dispute simply because I could not wait response from grantor any longer, I had to take an action against this fraud incident. 

Please see Expieran 's response attached. They stated as if I never contacted grantor, this is Impossible. I have been filing claim over and over to Experian, they are responding in only XXXX manner that I need to contact XXXX XXXX direct and XXXX XXXX does not want to do anything about it, and never even attempt to validate charges NOT EVEN ONCE. Just being silent party, meanwhile my credit is trashing as we speak! ( Please see attachments ) I am stuck with fraud account and Poor credit over 9 ( months ). 

Because of this credit fraud incident, my good credit line has been terminated due to dramatically dropped credit scores, I am devastated. Please helpPLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EXPERIAN TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT. THESE XXXX XXXX XXXX ACCOUNTS ARE FRAUD CHARGES, I DO NOT KNOW ANYTHING ABOUT IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached disputes indicating several incorrect addresses are appearing on my Experian report have been sent to Experian via U.S. mail. Both times, I was notified ONLY via email from Experian 's online portal that my investigation results were ready. In both instances Experian has REFUSED to rectify the incorrectly reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX American Honda Finance Corp received my Tier XXXX packet which included a notarized durable power of attorney, Federal Reserve Act Section XXXX and XXXX which states all obligations shall be of the United states for all public dues taxes, etc. My instructions for claim of Credits as well as as my endorsed negotiable instrument signed without recourse. 
On XXXX i mail my Tier XXXX Packet which included my endorsed bill, Federal Reserve Act sec XXXX and Federal Reserve Act Section XXXX part XXXX and XXXX on XX/XX/XXXX i received by mail Honda 's response with a false payoff correspondence on XX/XX/XXXX i respond to the letter with my Tier XXXX Packet which included Notice of Default, My rescission letter as well as a cease and desist as well as my endorsed contract. I also send the same packet to the Corporate office in XXXX CA. 
On XX/XX/XXXX XXXX hires XXXX XXXX XXXX to come and unlawfully reposes my vehicle and refuses to give it back. 
I have done my performance on behalf of the account Honda refuses to accept and deposit my signed negotiable instrument which has caused me a lot of distress and suffering. I have a child who starts school next week i have to get him registered as well as make money to provide for our essential needs but due to the unlawful repossession i am stuck. i have Honda taking advantage of me while i am in the midst of an eviction On XX/XX/XXXX i spoke with Honda 's Recovery team i spoke with XXXX and someone by the name of XXXX or similar. XXXX let me know that he seen the documents i sent on their end and that it was in fact an unlawful repossession and that he sent over the information to management. XXXX from management reached out and basically told me that they do not accept my endorsed negotiable instrument and that i would have to pay in cash or by card as usual. I let him know that they are under false pretense because they are keeping my instrument and not getting it to the right department which has caused me loss and harm and a violation of my rights.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Opt-Out Request Under the FCRA and 15 USC 6802 To Whom It May Concern : As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am formally notifying XXXX XXXX XXXX that I am exercising my rights to opt out of any and all authorizations, written or unwritten, verbal or nonverbal, that I may have previously provided to your organization.

This request is being made pursuant to the provisions outlined in 15 USC 6802. I request that you cease any sharing, dissemination, or use of my information under these authorizations immediately. 



Please confirm in writing that this request has been processed and that no further action will be taken based on any previous authorizations. 



Thank you for your prompt attention to this matter. If you have any questions or require additional information to process this request, I can be reached Via Email Or the address that has been provided to you Sincerely, Federally Protected Consumer This request is being made due to recent concerns regarding the handling of my personal information and an unauthorized usage of the sharing of my personal data. I believe this is a necessary step to protect my rights and privacy as a Federally Protected Consumer
Product: Student loan

in XX/XX/XXXX my federal direct loans were being serviced by XXXX. In order to enroll in Public Service Loan Forgiveness I was directed by XXXX to consolidate which I did. I'm not being told by XXXX that they were in the wrong type of consolidation account ( I wasn't given a choice on type of account ) and instead of my PSLF qualifying payments beginning to count toward the required 120 payments for forgiveness in XX/XX/XXXX when I began working for a non-profit full time, I'm being told my qualifying payments didn't start until XX/XX/XXXX.
Product: Debt collection

Creditor Name : Att U verse inquiry XX/XX/XXXX debt {$330.00} Reason : this inquiry was made without my knowledge or consent