23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX with XXXX stating an account had been opened in my name. He called to verify that I opened the account. I explained that I had not opened an account nor applied for any accounts with American Express. I asked for the information on the application so I could file a police report. XXXX stated he could not provide any information. I asked to speak with a manager and XXXX stated none were available. I explained that I would file with the proper regulatory agencies if this information was not provided. XXXX stated a manager would call back with 24 hours. No manager ever called back. 

On XX/XX/XXXX I called ( XXXX ) XXXX and spoke was XXXX. He acknowledged there was a request to speak with a manager or the person who could give me the information needed to complete a police report. He acknowledged no one had ever called me back. XXXX specifically stated, " Nobody can give you the information over the phone. A manager can not help you. '' I asked to speak with a manager and was transferred to XXXX who identified himself as a manager. I explained the situation and requested the information to complete a police report. I explained that every other bank with whom this situation has happened, provided the data required to complete police report.. XXXX stated , " A letter has been dispatched. '' When I asked for the date of the letter, he refused to give it to me. He stated, " I 'm sorry I can not disclose any information. '' Having dealt with identity theft for the past three years, every institution has supplied the information over the phone, except for one. They were investigated by federal agencies for failing to do so. I explained to XXXX that I would open investigations if I did not receive the information needed to complete a police report. He refused to provide the information. 
. It is being noted that American Express failed to provide any information so a police report can be filed.
Product: Debt collection

I checked my credit report and found an open account from a payday loan from XXXX XXXX opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.
Product: Credit card or prepaid card

While making a purchase at Kohl 's, the cashier asked if I had a Kohls credit card to help save money. I said I did and apparently the account was closed due to inactivity, which I was unaware of at that time. The cashier then had me confirm my information on the key pad and reopened the account without my permission. The purchase was charged to this account and the cashier told me there was nothing he could do to reverse it. I was under the impression I had an account and was trying to receive a coupon. I did not want to open a new account or charge the purchase as I was making the purchase for the company I work for. They opened a new account without my permission. I tried to resolve this issue with them by phone and was told there was nothing they could do but close the account. I did not want to open an account as it will affect my credit score. I would like this account off of my credit report, as it is not one I authorized to be open.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 

XXXX XXXX Account : XXXX Amount : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX*** BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

On XX/XX/XXXX, I submitted my income recertification for my income driven repayment plan ( PAYE ). This is submitted on studentaid.gov and then they immediately forward it to your loan servicer for them to process. I did the recommended method which is giving them access to your tax returns and tax information so they stated this should work quickly/smoothly. Studentaid.gov immediately forwarded my income recertification to Mohela on XX/XX/XXXX. Since that time, Mohela 's status of my income recertification simply says " In Review ''. In the meantime, they are sending me a bill that will be due XX/XX/XXXX for the full loan amount, not the income driven repayment/PAYE amount. I obviously can not afford this. When I try to contact or call Mohela, they either put me on hold for XXXX hours or give me the run around, or hang up. They have yet to answer these XXXX questions for me : XXXX ) How long will it take for them to process my income recertification? They have access to my income tax returns so it should be pretty simple XXXX ) If you can not get this processed by XX/XX/XXXX, could you please put my loans in forbearance until you are able to process it? I can not pay the full amount and this is certainly not my fault since I submitted the recertification application XXXX months ago.
Product: Debt collection

i was a victim of identity theft and social security number with XXXX, equifax, XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!
Product: Vehicle loan or lease

My car was totaled on XX/XX/XXXX. At that time, my loan balance was XXXX. My insurance company paid over XXXX to Chase Bank, I have already made my regular monthly payment of XXXX, putting my balance at XXXX. 

In XXXX my auto payment of XXXX was reverted from capital XXXX, I then made a direct payment from my XXXX XXXX  account of XXXX to Chase bank, In XXXX the payment was reverted from XXXX  XXXX again due to insufficient funds, I then made a direct payment of XXXX from my XXXXXXXX XXXXl Account of XXXX to Chase Bank towards my auto loan, bring my balance down to XXXX which is reflected on my monthly statement. In XXXX, the auto payment of XXXX was reverted again. This time I could not make the full payment of XXXX because the balance that the system allowed me to pay was XXXX, so I made that payment of XXXX On XX/XX/XXXX, I called the bank to inquire about my loan and I was told that it is closed and I have XXXX balance. I asked for a break, and I was told they received my XXXX XXXX check from XXXX XXXX, one for XXXX and the other for XXXX. The check for XXXX was posted to my account and I will be getting the check for XXXX as a refund. 
On XX/XX/XXXX, I called inquiring about my additional refund, when I was told that there is no refund and the check for XXXX was returned to XXXX. 
On XX/XX/XXXX, when I checked my account, I saw a new balance of XXXX reflecting past due payment. 

I called the bank, I was given the run around, I went to the Branch and a report was sent over to the auto loan department. 

I strongly feel that this will go nowhere without professional help, and based on my monthly statement and the checks paid over to the bank on my behalf, I strongly feel that they are refusing to pay over my reimbursement and also defrauding me into paying extra money. 
awaiting your response
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding an unauthorized inquiry made by SYNCB on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to resolve the issue. As a consumer, I am well aware of the protections provided under the FCRA. Section 604 of the FCRA clearly states that consumer reporting agencies, such as SYNCB, may only furnish a consumer report under specific circumstances, one of which includes " in accordance with the written instructions of the consumer to whom it relates. '' To the best of my knowledge, I have never provided written consent to SYNCB or any related entities to access, gather, or inquire about my credit report. Therefore, I strongly believe that the inquiry made by SYNCB is unauthorized and in direct violation of the FCRA. I understand the importance of protecting my personal information, particularly in the context of credit reports. The FCRA explicitly directs consumer reporting agencies to treat their duties with fairness, impartiality, and respect for the consumer 's right to privacy. By conducting an unauthorized inquiry, SYNCB has failed to fulfill these obligations and has infringed upon my privacy rights as a consumer. I am seeking immediate resolution and request that the CFPB thoroughly investigate this matter. In doing so, I kindly ask for : 1. Verification of the unauthorized inquiry made by SYNCB on my credit report.

2. Appropriate actions taken against SYNCB to rectify this violation of the FCRA.

3. Assurance that SYNCB will cease any further unauthorized inquiries on my credit report.

4. Compensation for any damages or harm caused by this unauthorized inquiry, if deemed necessary. 
I expect a prompt response from the SYNCB regarding the initiation of an investigation and the subsequent steps taken to address this issue. 
Additionally, I would appreciate regular updates on the progress of the investigation and any actions taken by the CFPB. Please note that I have retained copies of all relevant documents, including my credit report, for reference and potential legal action should it become necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, To be proactive about my credit score, I tried to freeze my credit account. Both XXXX and Equifax wanted me to send a copy of my Social Security card, driver license, prove of address to freeze my credit score. That is absolutely ridiculous rule made by the companies just to prevent consumers from freezing the credit. They are intentionally creating hassles and slow-down the consumers to do the right thing. 

There is absolutely no sense to freeze other people credit account. The hackers will steal the credit. They are definitely not going to freeze credit files. 

Asking us to send copies of our Social Security card and driver license is potential breach of information. Government website clearly stated that no one should get access to Social Security number unless necessary. 

It will be great if the government can make these companies change this absurd and ridiculous rule. Everyone should be able to freeze their own credit without submitting hardcopies of Social Security number, driver license, and addresses. 

To be fair, I have to say praise XXXX. XXXX is the only company that I can freeze my credit score online. 

Thank you very much XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Citi Thank You Preferred XXXX. XXXX XXXX XXXX, KY XXXX Citibank XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX : Citi Thank You Preferred XXXX XXXX To whom it may concern : I just spent an hour on the phone with Citi agents, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I was informed that my Citi account was two months past due. Surprised, since my husband and I pay all of our bills in full and on time. 

I was told on XX/XX/XXXX, my account was registered online from my current email at XXXX. Yet, the two unpaid e-statements were sent to XXXX, an email account that has not been used in at least 7 years. That address was apparently provided to Citi in XXXX. I dispute the charges by Citi as deceptive and fraudulent. 

I offered to pay the statement in full, less the two late fees and interest that total {$81.00}, and was told once I made a current payment, they would request to waive one of the late fees. I dispute the two late fees and interest charges that total {$81.00}. I have enclosed payment in full, less those charges, in the amount of {$930.00}. I have requested that my account be closed. 

I never registered online for e-statements. 
Citi claims that e-statements were registered from my current email address. 
A search of my current email address has no record of any communication with Citi. 
Citi sent the e-statements to an email address that has not been used in at least 7 years. ( Why would Citi accept a request for e-statements from one email address, yet, choose to send e-statements to an address that dates back to XXXX? ) I confirmed, that prior to the e-statements being sent to the defunct email address, we have never been late in the past year. 
My husband and I do not receive e-statements on ANY of our accounts and would not have elected to receive e-statements from Citi. 




I have also been informed by XXXX that I have XXXX. Please redeem those thank you points and send me a check at my home address at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. 

I am formally filing a complaint regarding the practices of Citi with regard to e-statements and collection. I request a direct response from Citi regarding its practices. 

Sincerely, XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Office of the Comptroller of the Currency Federal Trade Commission Division of Credit Practices XXXX XXXX, Michigan State Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy of several charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : 1. XXXX XXXX Reported on XX/XX/XXXX, for the amount of {$3200.00} 2. XXXX XXXX XXXX  XXXX XXXX Reported on XX/XX/XXXX, for the amount of {$1700.00} 3. XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX, for the amount of {$6000.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX, for the amount of {$2200.00} 5. XXXX XXXX Reported on XX/XX/XXXX, for the amount of {$1700.00} 6. XXXX disclosed is the 1099-c form The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a 1099-C form, indicating that these debts have been officially forgiven and are considered resolved. 

These accounts were charged off but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I will receive a 1099-C form for tax purposes, and I have received some already. Consequently, the debt is considered canceled or forgiven and will be reported as income on my taxes. 

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven. 

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status but also constitutes an inaccurate and unlawful entry on my credit report. 


According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and will be reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and will be reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the 1099-C form or other proof of debt discharge. 

I request that you investigate this matter and remove these entries from my credit report.
Product: Debt collection

Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed {$1700.00}, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.