23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I initiated services with XXXX XXXX XXXX XXXX earlier this year at XXXX XXXX XXXX Terrace which was my current residence at that time. Subsequently, my XXXX passed on XX/XX/XXXX and as a result my siblings and I decided to sell the home in XX/XX/XXXX. Moreover, I paid my final bill to XXXX XXXX XXXX and moved to an apartment XX/XX/XXXX. Upon my arrival, I was informed that the only internet service I could use at that residence was XXXX, because they use bulk internet services. Furthermore, I was instructed to go to the XXXX store and get a new modem so that my internet service may be established. In closing, that is the reason I returned the modem back to XXXX XXXX XXXX now I being harassed about a bill that does not belong to me. This year has been stressful enough and I will not tolerate threats of any kind in regards to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit card

Synchrony BankXXXX XXXX XXXX XXXX has decided to close an account for the reason of numbered of Dishonored payments on closure date on XX/XX/year>. Without notice. 
Notification of closure letter sent today XX/XX/year>. 
Contacted the synchrony Bank representative to question the terms and conditions of this account, for each payment has been made on time and no other payments are due until XX/XX/2025, was informed by representative that account was closed due to a different issue other than what was notified in letter. 

Never stopped using the card, account is not in default, did not exceed credit limit, did not breach terms of card agreement. 

This is causing credit utilization rate to spike lowering credit score. 

Synchrony Bank has breached their contract in agreements according to their terms. 

Please open up a dispute in regards to this company and I will also notify the BBB and other agencies as needed. 

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

Multiple transactions have been done on my account from XX/XX/XXXX to XX/XX/XXXX XXXX and I noticed it in XX/XX/XXXX when i was about to pay my car loan when i received a message of insufficient funds whereas i had just deposited a check in my account ( I usually deposit a check into my account every Friday or Saturday but stopped when I noticed this problem ) .The next day I informed my bank ( Navy Federal credit union ) by phone, I was given the a phone number of the fraud department. I called several times and i was asked if i know XXXX XXXX who had removed {$2000.00} ( XXXX XXXXXXXX XXXX ) and {$110.00} on XXXX  from my account. On this same XX/XX/XXXX, Someone added {$600.00} of credit card cash advance to my account.. 
Early XX/XX/XXXX, I went to the bank for the third time and asked for my account statement then realized that there were two loans ( {$4500.00} on XX/XX/XXXX at XXXX and {$2000.00} on XX/XX/XXXX at XXXX ) that were issued to my account without my knowledge. 
Also, after several attempt to know where this money was transferred, the bank gave me a document showing the account number where {$2100.00} were transferred to and I don't know the owner of this account. 
Facing this situation, I have been report to the credit Bureau and each time I deposit a check or money into my account, it is automatically taken .I have tried several times to resolve this problem with the bank but they keep on telling me about privacy .Please I need help in resolving problem with is negatively impacting my life.
Product: Credit reporting or other personal consumer reports

XXXX send me update on XX/XX/year> that account was deleted, looked at my consumer report as of XX/XX/year> and still showing on consumer report needs to be fixed asap! XXXX is causing me hardship
Product: Credit reporting or other personal consumer reports

XXXX XXXX TransUnion refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice XXXX increased it only XXXX POINT showin on credit scores XXXX. 'TransUnion hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX  XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXX. XXXX
Product: Debt collection

I sent a debt validation letter for a medical account via certified mail ( XX/XX/2020 ) requesting : 1. A copy of their bond and license to collect in TX 2. A copy of the agreement authorizing authorizing the company to collect the debt 3. An accounting statement of the amount owed 4. A copy of an agreement with my signature confirming acceptance of the debt 5. The name and address of the original creditor. I did not receive any of the requested information. I received a copy of a demographic information printout. The printout had " RSC {$1700.00} '' handwritten on it. I sent a reply via certified mail ( XX/XX/2020 ) stating my request was not fulfilled and none of the information from my request was provided. I received a reply basically stating that was verification and they wouldn't provide any additional information. They have since marked this account as closed and are still reporting it to the credit bureaus. I have attached a copy of the letters sent and the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed a fraud report with XXXX XXXX as well as the previous collection agency that held this account. I have submitted the necessary documentation that verifies I was incarcerated.
Product: Credit card

I recently lost my job and have had to accept a part-time job to pay my bills... this isthe only source of income I have been able to obtain. My company has promised full-time status and pay AFTER I have completed my part-time trial period. I have also applied for several other very promising jobs ( in my field of XXXX  years ) where they have expressed interest in me, but I am still waiting for further communication from them. I suspect a big part of the difficulty is my age ( XXXX yo ). I have called Synchrony-Amazon to explain this, but the offsite, " customer support '' call-center people have ZERO training and ZERO ability to do anything other than take payments and bully you to make payments you can't afford even AFTER explaining the situation to them. Here are my issues : 1 : It has been impossible to find a customer service number for Synchrony-Amazon where you can talk to a company-based person who can actually help with this issue. 
2 : The monthly payments for Amazon are almost XXXX  % of the balance and keep accruing. 
3 : The Amazon credit website offers the option to sign up for temporary lower payment or payment deferment options... HOWEVER, when you complete the process it just says " request could not be processed '' without any explanation or comment! 
4 : Despite calling and explaining to the call-service my circumstances ( and that they are TEMPORARY ), they continue to hound me and call me and email me about my overdue balance ( which is constantly accruing ) asking for payment! 
5 : Even in the emails from Synchrony about my overdue balance the RE : line or title of the emails are : Let us help! We can work with you! BUT the links in the email send you straight to the call-service that immediately begins pressuring you to make the full payment of the overdue balance!!!!! 
6 : Even though my issue is with my Amazon account, Synchrony has closed two other low balance store cards that they own ( which I have stayed current on ) and trashed my credit even further than it already was. It will take me a LONG time to recover my credit score from this -- up until now I at least had a CHANCE to regain my higher credit score. I called about the card cancellations and the person " explained '' that they had reviewed my debt-to-income ratio and decided that I had too much credit.

I sincerely WANT to make my payments and honor my debts, however, I just need the understanding that my part-time EXTREMELY low salary is temporary ( it is barely enough for me to buy groceries and gas and to keep up with my car payments and car insurance -- I can't be without a car... or allow my payments to lapse because it is my lifeline at this point ).
Product: Debt collection

Collection agency portfolio recovery associates XXXX .acct # XXXX .Please escalate to have this collection removed not mine all my current debts are paid in full.This is inaccurate and outdated fraud collection agency my bankruptcy was over 20 years ago all accounts discarded in bankruptcy.This collection agency is sending out old outdated information not my accounts would like them to cease from sending.
Product: Debt collection

Recived a court summons for a credit card by shermeta law group for a credit card debt i for a unknown amount a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are suing for it says the plaintiff is I have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from SHERMETA.COM website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount.You, Shermeta Law Group , PLLC must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Shermeta Law Group , PLLC are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
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 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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 15 U.S.C 1681 Section 604 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 a Sub Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..
Product: Debt collection

In XXXX of 2013, my wife underwent a procedure at XXXX. I was the primary subscriber for medical insurance with XXXX. 
XXXX then sent me a check in XXXX 2013 for {$350.00} stating that they are not contracted with XXXX, hence they were sending the check to me, so that I could pay them. I cashed the check and then paid XXXX for this amount. 

After 3 years, I received a debt collection notice from Caine and Weiner stating that I owe XXXX {$350.00}. I got on a call with XXXX representative and then we conference called Caine And Weiner. The collection agent there would not listen to me and kept accusing me of " unlawful enrichment ''. He said that XXXX directly made the payment to XXXX. I then sent a written response and asked Caine and Weiner stating that it was not my mistake if XXXX sent another payment to XXXX and that XXXX ( through Caine and Weiner ) should go after XXXX to recover the over payment. 
I am deeply concerned that Caine and Weiner will report this to the credit agencies without proper due process. I feel strongly that XXXX is resorting to strong arm tactic to cover for their mistake. 
Need your help. 
Thanks and regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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: Debt collection

I am writing to dispute a collection change that has recently shown up on my credit report. I have no knowledge of this debt and it is not mine. 

Upon reviewing my credit report, I noticed that a collection account has been added by a company I have never heard of before. The debt amount is significant and I have no recollection of ever having any business dealings with this company. 



I request that this collection account be investigated and removed from my credit report immediately. I have no knowledge of this debt and it is not mine. I am willing to provide any information or documentation necessary to prove that this collection account should not be associated with me. 

I am confident that this dispute can be resolved swiftly and accurately. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Collection company Caine & Weiner
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries from these companies. 
* XXXX XXXX XXXX via XXXX  XX/XX/XXXX * XXXX XXXX XXXX via XXXX XX/XX/XXXX * Primary Residental via XXXX XX/XX/XXXX Disputed these with all 3 CB. Received 3 letters from XXXX stating that they can NOT find inquiries. Called all 3 CB to let them know of these letters to have the inquiries removed and was told to file a claim with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$200.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX LL XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXX, INC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$200.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX LL XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not owe any $ for the XXXX bill which is on all of my credit bureaus. They must be confusing my name, XXXX XXXX, with another person of the same name. This is not me and I do not owe the {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I went to Raymour & Flanigan. I exchanged a defective chair and purchased 2 more chairs. The difference was {$490.00}. I said to put it on my already open finance account with them. I had a {$1600.00} credit limit available. The sales person mistakenly put thru the total amount for both chairs and did not apply the credit for the defective chair. I received a call from credit asking if I wanted my limit increased, I said no because it is not necessary. I clearly told them do not run my credit. 
They did, apparently by mistake. I reported this immediately as I received notification from XXXX  that my credit had been run. I called the store and their credit department a number of times and expressed my concerns and that they had to fix this. I never authorized my credit being run. To fix this they removed my credit report from their system, but they failed to notify XXXX  of their error, so the inquiry is still there. 
I am trying to refinance a house and can not have any inquiries until this closes. Now I have to cancel that, lost the locked in interest rate and lose the money I have paid up front. 
I called XXXX, they were no help. They said the dispute has to come from Raymour.