23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlease correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 





In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Account Name : XXXX XXXX XXXX  Account Number : XXXX I received a copy of my credit report. This account is being reported incorrectly. This collection account is reporting a past due balance of {$1800.00}. According to the FCRA, I have the right to an accurate credit report. This debt collector also has not provided me with proper debt validation for this alleged debt. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Checking or savings account

I was a Wells Fargo customer from XXXX through XXXX. I was charged fees for using ATMs as well as overdraft fees.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several unauthorized accounts appearing on my credit report. These fraudulent entries were made without my knowledge or consent, and I am requesting immediate action to correct this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ), and I demand the prompt removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX i was a victim of identity theft. There was an account unauthorized by me open by Affirm inc. the account was charged off to me for XXXX $ i was unaware if this at the time of charge off. I have already requested a complete debt validation from this company and have been ignored. They are in violation of the FCRA in reporting this fraudulent identity theft of an unauthorized account. 15 USC 1681b, 15 USC 1692. I have the proof from Affirm that I am not responsible for this account which I will include in this complaint. XXXX have 5 business days legally to block this reporting on my consumer report knowing its fraudulently identity theft. If the proper steps are not taking immediately I will be pursuing legal action.
Product: Credit reporting or other personal consumer reports

I have sent Equifax identity theft docs of unauthorized inquiries and have asked for the block and removal of these inquiries. Equifax has not blocked or removed these unauthorized inquiries after multiple requests. Inquiries are below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was laid off from my job due to XXXX and was unable to make payments on my Chase Freedom credit card. I work in sports and entertainment, and my entire industry was on hold due to XXXX. I finally received employment again in XX/XX/2021. When I received my letter of employment, I immediately called Chase to accept the settlement offer that was offered to me. I have an excellent credit history and am just now coming out of the financial hole that XXXX caused. I am getting ready to buy a home and the late payments and charge off on my account are effecting my credit in an extremely negative way. It is the only negative thing on my report. I don't think that a hardship like losing my job during XXXX and being unemployed should force me to have less than stellar credit. I only wish that the senate made it mandatory for late payments and collections during XXXX to be deleted from personal credit reports instead of leaving it up to the lenders themselves. I will continue to dispute this until you find the decency to remove the late payments and charge off/collection status from this account on all three credit bureaus.
Product: Credit card

I have two large accounts or promotional purchases on a Synchrony card. they have completely different timelines when i had one account, i could go in and make payments on it on line. now i can not do that i must get a live agent at Synchrony this requires 17 steps. there is no easy way or efficient way to get a live person. you have to listen to recording after recording to get a live person takes 45 minutes ... .and this is the requirement they have for me now that i have two " accounts '' on 1 credit card which came with no interest for a number of months. 

two managers at synchrony told me if i want to allocate my funds to a certain account i must phone but when i did the other day XXXX a XXXX XXXXXXXX XXXX  and XXXX assured me my funds would go to the proper account ( the $ XXXX XXXX  ) and he erroneously applied it to the larger one ( $ XXXX ) which I specifically told him not to. this was all recorded. 

this is unacceptable. I am trying to make payments XXXX a month on XXXX different accounts with different expirations and synchrony is preventing me from doing this with unreasonable conditions and unreasonable wait times.
Product: Credit reporting or other personal consumer reports

I have sent American Express numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Bank account or service

I 've been a member of USAA since 1990. Like millions of Americans, I was hit hard by the Great Recession. And was divorced, lost my job and forced to sell my much devalued home through short-sale ALL in the same year. Subsequently, I was forced to file for bankruptcy. Got back on my feet within two years but, USAA blocked access to their " full '' website immediately. For 3 1/2 years I have only been allowed access to my accounts through a minimized web page holding only cryptic information as an alternative. When I log into USAA, it actually closes immediately and transfers me to another page where you have to go through the entire procedure again. The " new '' web site that opens only offers minimal access. USAA also insures my car and when I had an accident a month ago, I could not see vital information pertaining to my claim. Their actions are clearly punitive. I kept my pre-bankruptcy bank accounts open ONLY to pay my insurance bill each month without much bother and do business through another bank. It is disturbing that I can not access information that is mine. Communicating with the adjuster has become nearly impossible as I can not download forms, photos or send emails that are allowed through the full web site. All things necessary to complete my damage claim. 
I have read online from other USAA members that this is a common practice for USAA that amounts to a " punishment '' for losing financial stability. Punishment on its members for causing the bank lose capital either through defaulted loans or credit card debt. 
An interesting side note. I also have an IRA brokerage account through USAA. Numerous times I have tried to place money in the IRA and been rejected. The full web site offers easy access for adding to IRA and similar investment accounts. The reduced web site access offers no avenue for increasing the amount in my IRA which has stayed at {$11.00} for 3 1/2 years. Seems USAA does n't want my investment dollars either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries, I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, Transworld Systems, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these inquiries are unauthorized. 
The following inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Regional Acceptance Corporation violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Equifax, in the course of collecting personal information for use in credit reporting, was negligent in the storage of this information and as a result, my personal information, including but not limited to my name, address, and social security number were compromised. The net effect of their negligence is that for as long as the compromised information is a core part of the credit reporting system and financial system, I will be vulnerable to fraudulent activity and identity theft. Even with over a month passing since their discovery of this data leak, Equifax is unprepared to take any effective remedial actions. Their website is unable to process requests to freeze my credit. They also have not coordinated with other credit bureaus to allow me to freeze my credit without paying a fee for each freeze and unfreeze. Their phone system is ill equipped to handle the call volume as a result of their failure and they have effectively left me on my own with my personal information exposed. Equifax has offered limited credit monitoring services, but these would only notify me after someone has used this information ; it does nothing to deter the usage of this information.
Product: Debt collection

I have been threatened on multiple occasions over the phone by Thunderbird Collection Specialists Inc on multiple occasions on the phone with abusive language and behavior. The first call the lady stated " how was I going to rent anywhere else '' when I informed her we own a house she yelled " I know XXXX ( my sister in law ) got you and your wife into this mess '' and was cussing at me. At which point I cussed back and said " Your XXXX company is no longer authorized to call me ever again ''. They have called XXXX to XXXX times since with the last one being today XX/XX/2022 at XXXX am Arizona XXXX. Which I have saved and have blocked multiple numbers and calls from them. Also today I received a letter which I will attach a picture of stating the following threat " Dear XXXX XXXX, YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY. Sincerely, XXXX XXXX. My father recently was passing away and we needed to pick up and leave to be able to care for him including his frequent falls, lack of hygiene and being in complete renal failure and thus squired this debt. But however since my father 's passing TCS has made several threatening statements and phone calls which is all been documented and provided. Under the fair debt collection act debt collectors are not allowed to harass or intimidate the debtor which letters and/or harassing phone calls especially if the debtor has told them repeatedly to cease all contact. I'm requesting your agency to step in and intervene in legal manner available to get TCS to discontinue their unfair and illegal debt collection tactics, and to warn others of thier activities in order to inform the general public and consumers about Thier shady practices.
Product: Debt collection

I was a member of XXXX XXXX in XXXX, Arizona for about 3 years. After 1 year, I renewed my contract for 2 years for {$59.00} a month. The XXXX XXXX Trainer resigned before my 2 years were up. XXXX XXXX failed to replaced with another Trainer and the other Trainer available was more than XXXX miles from my home which XXXX XXXX states on the contract of a reason to cancelled if the next available Trainer was more than XXXX miles away from home. Then XXXX XXXX proceeded to take me to collections because XXXX I refused to keep paying for them not providing the services I was paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a credit report on XXXX and notices a credit card for {$10000.00} was opened in my name under USAA Savings Bank. It was opened under XXXX XXXX XXXX my name is XXXX XXXX. The account was opened XXXX. 

I spoke to USAA ( XXXX ) and they reported the account as fraud.
Product: Credit card or prepaid card

On XX/XX/2022, I paid my account in full and cancelled my credit card with Avant. Now I am being told that I am incurring interest on the card that has been cancelled several times. They have attempted fraudulent tactics several times so the account has been cancelled. I have tried to deal with this company but am getting no where with them. I am looking to CFPB for assistance in putting this matter to rest once and for all.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
Product: Debt collection

I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.
Product: Credit card or prepaid card

I mailed a check on XX/XX/22 to pay my balance off on my Wyndham rewards card through Barclays Bank. On XX/XX/22, I started calling customer service because the payment had not posted. Between XXXX and XXXX I called multiple times and spoke to several phone reps and was told each time that the payment had never been received and to wait XXXX days more. I called my title company that held the escrow account the check was written out of and they stated the check had been cashed. They forwarded me a copy of the check that shows it was deposited Into their bank and had my account number HAND WRITTEN on the check. As of today, no action has been taken by Barclays Bank to rectify this issue. I have been given the run around and they have {$1800.00} of my money. I have made XXXX additional payments that I did not owe as well as paying additional interest I do not owe.