23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuses to give me a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX there has been no response from them sense I started disputing this 6 months ago .I have sent you Evidence that XXXX XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014enclosed is incoming and out going responses to this matter it is clearly visible that XXXX  XXXX refuse to respond and there is no evidence it was made by me.You Experian Keep claiming it has been up dated with the old information and you have not did an investigation as you claim has been done.You state if its not verified it is removed this is the EVIDENCE ENCLOSED ITS NOT MY ACCOUNT I never made it and it was fraud.Under the FCRA this should of been removed a long time ago. Please remove it Please do not send me one of your templet letters I want real investigation not old informtion thrown back at me.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions No live person to talk to with customer service
Product: Credit reporting or other personal consumer reports

I had a business credit card with XXXX. Due to global economic constraints, I fell behind on my payments. XXXX reported this to my personal credit profile which significantly impacted my credit rating. I made arrangements to bring my account current and did so in the period established by XXXX. Most recently I missed 1 payment date ( under 30 days ) and chase reported my account as 120 DAYS late to the credit bureaus. This is immoral and predatory.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have inaccurate information on my credit report. It is really affecting my well being. I called all three credit bureaus to get some directions on how to fix this issues. They did not help me. I have collections and charge offs of accounts that I never applied for. If there is anything you can do to help my situation it will be greatly appreciated. My information was also involved in the Equifax data breach. 
Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I received my stimulus check in their savings account. Credit Karma asked me to link my accounts to withdrawal. My account was having issues linking. So I contacted customer service. They escalated to emails because they could not figure out what was going on. After 24 hours after the initial email, I never got an update. I went back online and chatted with customer service again. Told them the urgency. They, again, directed me to email. This time, there were microdeposits in my account getting ready to link the accounts. Now that it is XX/XX/XXXX, I have tried to contact them 5-6 times through their chat. Every time, they have sent me to their email answering system because their lower level can not solve the issue. Every time, I get no response from their higher up team. 

Their partner for linking, XXXX, does say I am linked through their end with my bank account and Credit Karma. Credit Karma refuses to look into why their end is not showing that the accounts are linked. They keep blaming XXXX. But it is not XXXX  's fault but it is on Credit Karma 's end. 

Back in XXXX, when I went to withdrawal money, I had the same issue. Credit Karma transferred the money into the account after two days of trying to resolve the issue. Now, it feels like they are refusing to do that method.
Product: Credit reporting or other personal consumer reports

The company reported many aliases ( around XXXX ) and wrong addresses on my credit reports. There are also collections on my credit report which are not accurate. these informations are damaging my opportunity to get funding and mortgage. There are also account open in my name that I do not recognize. by example for XXXX has account that was open under my name when my identity was stolen. I ask that the credit report reflect accurate information. I was both victim of Equifax and XXXX data breach. I would like to see these inaccurate information be removed from my report and prevent any collection agency to repost them after they are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following account and credit inquiry is listed on my Equifax credit report and is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. XXXX. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments Also Equifax received original complaint XX/XX/2023, but did not give a response in the lawful XXXX timeframe in which anything not verified within the XXXX is to be deleted.
Product: Debt collection

I have a lot of unauthorized inquiries on my credit report and I disputed them to all 3 credit bureaus and they havent done one thing but took XXXX points off my credit scores XXXX they need to be handled for this and didnt enclosed why my scores were dropped thanks XXXX XXXX XXXX I am trying to buy a home and theyre te check my credit scores before I sign the loan and my credit scores need to be fixed back before this transaction happens again please help me before this transaction go back through
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balanced {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> At XXXX, I received an email notification saying that my account is restricted & under review. I called multiple times to try and get the reason on why and nobody could tell me. Ive asked for a time frame on when I could hear back and no agent could tell me that neither. This is completely my account and it isnt any suspicious activity, i receive my work check through this account and I also use the services that come with the bank. I am overly frustrated because I need my money I have a roof that I have to keep over my daughter head. Please just allow me to get my account back
Product: Consumer Loan

Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.
Product: Credit reporting or other personal consumer reports

I am submitting today to file a complaint regarding identity theft that has adversely affected my financial well-being. On XX/XX/2024, I discovered unauthorized activity on my accounts and personal information I realized that I had become a victim of identity theft. Despite taking measures to safeguard my personal information, such as unauthorized individuals managed to access my personal and financial data. As a result, fraudulent accounts were opened in my name, unauthorized charges were made on my existing accounts, and my credit report has been impacted negatively. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance : {$430.00} XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00}
Product: Credit card or prepaid card

My credit reporting agencies report that Im a authorized user on another persons capital one account. When I call they deny, however I escalated the call 3 times and finally a agent was able to find where I was a authorized user XXXX employee number ID # XXXX, the person Im an authorized user on is a stalker and I have an active restraining order against and has attempted to Kidnap me. I explained this to capital one and stated its fraud they refused to remove me and send me a letter so I could file it with my credit reporting agencies. I never authorized this and never signed anything to authorize this.
Product: Mortgage

In XXXX we were put into a Pick a Payment mortgage by Wachovia at the time with a 7.45 % interest rate. Back in XXXX we tried several times to modify our mortgage with Wells Fargo and were denied. We made too much money was XXXX reason and then we were also told to pay the lowest amount to make our payment deferring principal and interest. We were also advised to fall delinquent so they would help us. We missed XXXX payments, they did not work with us and they started foreclosure. A family of XXXX we wanted and needed to keep our house. So we filed a chapter XXXX in XXXX to keep our home and try XXXX more attempt at a loan modification. The modification was still denied. Here we are in XXXX XXXX with XXXX payments left through our Chapter XXXX and we are still only paying the lowest amount which does increase yearly and is still deferring interest. Like many people that were in this type of loan we now owe more than what the original loan was for. We are also afraid that after we get out of the Chapter XXXX that we are not going to be any better off because of everything that is being deferred. These Pick a Payment mortgages are toxic!!!!!!!!! Through our attempted modifications we never wanted to reduce our loan, we just wanted to be in a traditional fixed mortgage with the lowest possible interest rate. And let me back up before the modification attempts, we also tried to refinance but again the housing market was down and the equity was not in the house so that to did not work. Wells Fargo needs to get of all of these Pick a Payment loans. Not just cherry pick some who get the right person, attorney, or luck. Please let me know if there is anything you can do to help assist us. We are a concerned homeowner, working hard and living pay check to pay check because of our mortgage!!
Product: Debt collection

My initial communication to Collection Consultants was XXXX XXXX, XXXX, after having discovered this account on my credit report while in the process of buying a car. 
Meanwhile I disputed with CRA 's online. After sixteen days with no response, I submitted a CFPB complaint on XXXX XXXX, XXXX. To date, Collection Consultants was unresponsive to this as well, so I disputed with CRA 's again through the CFPB. 
I sent another letter to Collection Consultants on XXXX XXXX, then again on XXXX XXXX, XXXX, requesting underlying documents from the original creditor, including a chain of title, since I was unable to reconcile this account and amount, and suspect that it is something that was already paid in full by my parents years ago. 
A response from Collection Consultants was finally received on XXXX XXXX, XXXX, in the form of a printout of the itemized account information. I had requested an original itemized statement from the original creditor to review ; the FTC has stated that a " mere itemization '' is insufficient proof to constitute validation of an alleged debt. Per the limited detail provided by Collection Consultants, in fact, it appears that an unknown " adjustment '' was added to the account balance after payments were made, creating a new " balance ''. As of XXXX, XXXX, Collection Consultants recent collection letter has inexplicably inflated the unsubstantiated debt from {$1700.00} to {$2400.00} or {$2400.00}, depending on which letter you look at. 
Further, it seems that CC may not be the first debt buyer to be involved with this account, given the reported assignment date of XXXX XXXX. Incidentally, the original date of assignment to collection is most likely much earlier, according to your records, XXXX XXXX was initial delinquency, yet is being inaccurately reported to appear recent. 
Collection Consultants was requested to document their ownership of the debt, the balance of the debt, the date of the default or last payment, the identity of prior owners of the debt and the name and address of the debtor in the original creditor 's records. In addition, the debt buyer must also have the original contract or a document provided to the debtor while the account was active to show evidence of the debt. 
Please note that, in over 70 days since my initial letter, Collection Consultants has failed to prove that this debt is mine, that it is accurate ( I 've never had Physical Therapy in my life! ), failed to provide me with an original contract made with the original creditor, and has failed to provide me with proof that Collection Consultant 's has a legal right to collect on this alleged debt, as I requested. All collection activity, which includes reporting to CRA 's is legally required to cease until this information is provided. This was not done, and Collection Consultants is in violation of federal and state debt collection regulations.
Product: Checking or savings account

I set up multiple CDs with Goldman Sachs ( Marcus ) and it was disclosed that I had XXXX days to transfer funds into the CD. The end date was to be a certain number of months from my last transfer. 

I was able to pre-schedule transfers so that I could pick the transfer date, and scheduled transfers to be made on XX/XX/XXXX, which was the end of my transfer window. 

When my scheduled transfer was confirmed on the company 's website, it was listed as occurring XX/XX/XXXX. I assumed this was because XX/XX/XXXX was on a weekend, and did not think much of it. 

On XX/XX/XXXX, I logged on to confirm that my transfer took place as expected, and saw that it did not. There was no information that a transfer was processed, scheduled, or canceled. The site was as if I had never requested it. I spoke to a representative from the company who could not help. 

It was deceptive for Goldman Sachs to allow me to schedule a transfer on XX/XX/XXXX if they would not honor the transfer. I would like them to honor my transfer and extend the maturity of my CDs ( or provide me with equivalent financial compensation )
Product: Debt collection

Professional Account Management ( PAM ) is saying that I owe a toll in Virginia that doesnt exist. I called XXXX XXXX in Virginia and they say that they have no violation under the violation number given. I think Im being spammed or a victim of fraud. The notice of violation from PAM also mentions that the initial notice of the violation was on XX/XX/XXXX. I wasnt even in the state of Virginia on XX/XX/XXXX. 

Professional Account Management , LLC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I received a notice of two accounts being open in my name with Chase Bank in XXXX, one debit account and one credit account. I called Chase Bank in XXXX and requested they close both accounts - I then followed up with XXXX to add a fraud alert to my credit report ( which they did ). I have since frozen my credit, but I am still seeing the inquiry from Chase Bank and an open account on my credit report. Here is the inquiry : JPMCB CONSUMER BANK Requested on XX/XX/2023 And here is the credit account : JPMCB CARD SERVICES XXXX I will be reaching out to Chase Bank again to have this account closed as it is showing a balance of {$120.00} ( and a balance in XXXX of {$95.00}, and a balance of {$96.00} in XXXX ).
Product: Credit card or prepaid card

I went to store to make purchase yesterday (XX/XX/XXXX) and found out my account was closed on XX/XX/XXXX. I have XXXX  Thankyou reward points in my account and all of them got expired after the closure of my account. All Thankyou reward points were accumulated from my daily expenses. I do not even have a chance to redeem them since I have never received any account closure notice. I called up to ask if they can reopen and they stated no and for me to re-apply. The supervisor (ID: XXXX) did not provide any solutions, and she was even impatient to tell me that if I wanted to continue to complain then go online to find their complaint department mailing address by myself! This is the first time I met such a bad attitude customer service. They did not even email/mail me anything about the closure of my account. And it did not make sense to close my account without any notice and expire all of my Thankyou points.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I sent Experian, XXXX, and XXXX the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions.

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 


SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!