23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HELLO TARGET/TD ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

My name is XXXX XXXX, I desperately need to file a complaint against CFPB, and SYNCHRONY BANK, I had a amaz9n store card through them XX/XX/XXXX I paid them off through XXXX  XXXX  XXXX, XXXX SENT A EMAIL ABOUT 3-4 YEARS AGO STATING IT WAS PAID OFF, I WOULD LIKE TO GO TO COURT ON THIS MATTER, OR HAVE SOMEONE CONTACT ME ASAP, ON MY CREDIT REPORT THEY PUT AS BAD DEBT, PROFIT AND LOSS WRITE- OFF, THEY CAME BACK EVERY YEAR AFTER THAT, ON MY CREDIT REPORT HARRASSING ME, CALLING ME, THREATENING ME, I WANT TO GO TO COURT OR SETTLE IT OUT OF COURT, THEY ARE A DISGRACE TO MY CREDIT REPORT, AND CAUSING DAMAGE, AFTER CLOSING IT FOR THE 5 TIME, OPENED IT UP AGAIN ON MY CREDIT REPORT XXXX, XXXX, XXXX, I WANT TO FILE A CLAIM AND MONEY FROM THEM FOR HARRASSING AND TRYING TO KEEP MAKING ME PAY FOR SOMETHING I ALREADY PAID OFF YOU CAN REACH THIS EMAIL OR CALL XXXX Sent from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Debt collection

Rent Debt Automated has indicated in their XXXX/XXXX/15 response to my complaint that they " closed and returned the account '' ; however, they did not indicate that they removed it from my credit listings. See Attached. Rent Debt are the ones who reported the invalidated and inaccurate debt and they must be the ones who contact ALL XXXX CREDIT BUREAUS and have it removed. They have not been able to validate this debt and under the laws of the state of Texas, and the FDCPA, Rend Debt MUST REMOVE ALL REFERENCES TO THE INVALIDATED DEBT FROM ALL OF MY CREDIT LISTINGS. Please instruct them to REMOVE this account from my credit listings. Thank you.
Product: Debt collection

Today I called XXXX XXXX, XXXX that is the collection agency handling my Citibank Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called XXXX XXXX 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called XXXX 's main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in training and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in training then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX member that was currently in training.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items.

I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX never late DEPT OF EDXXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX  not mine DEPT OF ED/XXXX  XXXX  not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF EDXXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/NELNET XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT   OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Checking or savings account

This problem was over my bussiness account with Wells Fargo bank, I was using my personal checking account to deposit or receive payments and then transfer to bussiness, the bank give me a {$20000.00} cash deposit monthly free of charge, then will be charging for every {$1000.00} cash deposit after, first XXXX months I was getting charge a little to much to keep the account going, so I instead stared getting more cashiers checks paying with cash and making more deposits into my personal checking account and transferring the money to the bussiness account and summited the payments. Suddenly they frozen all my accounts, without a call or a letter in advance, I had to make late payments, pay storages, pay for every rejected payment, I was suspended from several bussiness because the payments wasnt completed or rejected, it was XXXX when they frozen the accounts and hold the money, today is the XX/XX/2023 and they still dont close my bussiness account, still not receive a letter from them, how can they still in bussiness when they always working with the costumers money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already pre-approved for an Auto Loan through Capital One, the dealership still ran my credit through multiple banks whiteout my permission. I ended up with multiple hard inquiries through my credit when I only wanted to go through Capital One since I was already pre-approved through them. I was given the run around after I tried to dispute the hard inquiries.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Sometime in XX/XX/XXXX I bought a prepaid Visa MyVanilla card for XXXX $ plus the initial fee. The card was kept in its packaging and brought with me between then and XX/XX/XXXX. In XXXX, I attempted to register the card, and was unsuccessful. I tried to do so over the phone, and was told that 13 months worth of inactivity fees had been charged. The packaging only states the cost of the initial fee, ATM fees, reload fees, and balance inquiry fees- it does not disclose inactivity fees nor did it contain a cardholder agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was successfully discharged from a chapter XXXX bankruptcy back in XXXX. I know my credit is terrible right now and that bankruptcy will be on credit report for quite some time. 
I've been pre-approved through XXXX XXXX for an auto loan. This was a soft inquiry approval and was clearly stated as such. That's why I went through with pre-approval. 
I've banked with XXXX for 10+ years and was under the impression theirs was also a soft inquiry approval as well. I didn't have to include SSN or anything that led me to believe it was a HARD INQUIRY. Of course due to my bankruptcy I was denied. I immediately received a notification that my credit report took a 20 point hit. So I tried calling XXXX to dispute. Their representative refused to walk through the screens with me so I could show them they were not clear that it was a hard inquiry instead of a soft inquiry. 
For someone who is fresh out of bankruptcy and is doing everything they can to rebuild credit and get their life back in order, a 20 point hit is demoralizing. Especially one that could've easily been avoided by XXXX being clear that it was a hard inquiry instead of being vague. 
I was so close to having a XXXX credit score which would've moved me to the next bracket.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I am writing because I have submitted multiple request to XXXX, XXXX, and Experian about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a hospital bill/worksmans comp bill, that first off Im not responsible for, also the second collection agency going after me, each time they sell the claim my credit goes down more!!! Its not fair that each time my credit score is affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notice some unauthorized inquires on my consumer report. ive attached and FTC report with my current information and my identification so that you can verify that it is me submitting this claims. I didn't give anyone permission to furnish my consumer report. Pursuant to FCRA which was written by the congress to make sure all Credit Reporting Agencies abide by all consumer laws. I the consumer is the only one that has to consumer right to say what belongs on my consumer report.
Product: Checking or savings account

XXXX : was locked out of all online banking services for US Bank. XXXX apparently occurred XXXX. Tried to access app banking and mobile banking so I could pay a XXXX and was locked out. App screen said " try again or call us ''. I tried again on multiple devices that all said " try again or call us ''. I called the suggested phone number and spoke to a representative, who said I would not be able to access any online banking features for at least XXXX hours, and that every time I attempted to login again, the lockout would be reset. Either the rep gave me incorrect information or the notification saying " try again '' is causing consumers to be locked out of their accounts for longer. I asked for representative name and he provided a first name but no other information. I asked if there was an extension or way to know which representative I had spoken with and he said " we have ways '' but would not provide a direct number or elaborate. 

I asked if the representative could unfreeze my online banking and he said no. I then asked if he could submit a ticket to unlock my account and he said no. He said that he would be unable to unlock my account until tomorrow at the earliest, but if I tried to login again, my account would be frozen again and that I would be unable to access any electronic funds transfer features including XXXX for at least XXXX hours after the unlock, meaning I would be unable to pay the person I need to pay. 

The representative said he would transfer me to a supervisor and then transferred me to a physical branch. The physical branch XXXX said she could do nothing and gave me another phone number to call, which was XXXX. The phone number then said there was a special promotion for customers and i needed to press XXXX if I was over XXXX and XXXX if I was under XXXX, meaning I couldn't speak to someone without engaging with the marketing. I tried pressing XXXX and the phone number disconnected. I then tried calling back and was immediately disconnected. My problem was never resolved. I was on the phone for over XXXX minutes. I have still not been able to pay the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy on my Experian credit report for the past couple of years. I have gone to the Bankruptcy  Court  in  XXXX , NJ that Experian has told me that they verified this information from and the Bankruptcy Court in  XXXX , NJ stated that they do not verify, report or give information regarding bankruptcies to and third party and credit bureaus. Every time I dispute the bankruptcy with Experian they state th e Data Furnisher has verified this bankruptcy and refuses to give me the methods in which they verified. I have received several letters from The US Bankruptcy Court stating they do n't verify with third parties so how do they continuously validate a Bankruptcy that they can not verify with the courts. I was told various times that they do n't have any information to give me to show me who they are getting this information from. Everything that is reporting on y credit reports are suppose to be accurate but it is n't. I have attached a Letter from the US Ba nkruptcy Court,  XXXX   XXXX  that states the bankruptcy that they are reporting is fraudulent and should be removed
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts :, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate 15 U.S.C. 1681i ( a ) states you must complete the reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.