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

There is an account on my credit report that says I owe them money for something. I've never done business with them I have no idea who they are. Experien just keeps saying " oh they verified, '' how the XXXX would they do that when I've never done business with them. This is the second time I've disputed the validity of this report and twice now they've just blown me off automatically siding with whoever this company is. 
This is costing me money by hurting my credit score with no option for recourse without spending a ridiculous amount of time and money. 
But hey this is how you keep poor people poor and the rich, rich I guess. 
Just another scam working against consumers.
Product: Checking or savings account

I opened a chase business account and then they closed my business checking account the same day for no reason and wouldn't tell me the reason for closing my account
Product: Checking or savings account

I received a letter from XXXX XXXX XXXX, Senior Vice President, Information Security XXXX of my bank, Rockland Trust, informing me that personal information regarding my Rockland Trust Bill Pay account 'was inadvertently shared with an unaffiliated third-party financial institution by our vendor that processes bill pay transactions. ' The letter states that my name, address, email, bill pay ID, member ID, social security number and funding account numbers have been compromised. The letter states that there was an 'operational incident that exposed some of your personal information on XX/XX/year>. ' The letter is dated XXXX, XXXX, XXXX. This is three-and-a-half months after the date of the incident. 

I am quite upset that my information was not protected and has been compromised/stolen for potential illicit purposes. I am scared, to be perfectly honest. I have no idea what information was taken nor do I have an idea of what the information was used for. The letter lacks quite a bit of clarity and is untimely. 

I am certain that I am one of many customers who have been impacted by this situation and would like to know if anyone would be willing to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00}
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - XXXX  XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - Collection XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff TransUnion : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - Collection XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 
Since you claim XXXX verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Product: Debt collection

I would like to file a formal complaint against the Law Offices of Howard Lee SchiffOn XX/XX/XXXX I received a letter from their office claiming I owe a debt to XXXX XXXX bank in the amount of $ XXXX submitted a debt validation letter XX/XX/XXXX to their office, I had no further communication with them and the debt was never validated, Which violates the FDCPA. After some online searching I have found numerous other complaints about them and their collection methods from many others who have also claimed the same issues on not receiving the validations and along with far worse complaints of threats and illegally collecting fundsOn XX/XX/XXXX I received a summons to Small claims court, still without any validation what so ever that this is in fact a valid debt owed by me, The hearing was scheduled for XX/XX/XXXX in the XXXX Court, I knew was going to be unable to attend the hearing due to needing to provide my elderly mother a ride to and from XXXX so I submitted a request for continuance to the court a few weeks in advance which was n't granted. 

I received the judgement from the court saying I had defaulted, Even though I submitted the request. I then called Howard Lee Schiff and told them the issues I had and that they still never validated that this is in fact my debt so I said this must be treated as a fraud case and that 's when they finally sent me anything resembling any validation at all. 

I received from them were the fraud documents along with a few statements from XXXX at an address I once lived at and in a name that I also share with my Father, Who also was living with me at that same address during the time in question. His passing coincides with the receipt of last payment to XXXX having passed 2 or 3 weeks after the last payment they receivedI filed a motion with the court to have the default judgement removed and it has since been removed and the hearing is being rescheduled. The payment hearing was yesterday and that 's when they allowed the motion to remove the defaultI spoke with the lawyer handling the case for them yesterday at the payment hearing and I said why have I still not received any validation yet that I owe this and her words were " I have 30 days to request the validation, But they are under no time limit to respond to the validation " How can they legally and ethically do this? I am expected to go to court, Not knowing that this is in fact my debt?
Product: Credit reporting

Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

I booked a ticket using my chase sapphire card on XX/XX/XXXX using the chase travel service for XX/XX/XXXX to travel from XXXX to XXXX. The country issues a travel ban on the XXXX and I have been trying to reach them since then i have been on hold for 6 hours today, XXXX hours yesterday and was hung up without being connected. Today I reached out to the dispute team to let them know what is happening and was told they cant dispute the charge as it has not been cancelled and gave me the same number to cancel which is not going through. XXXX can't cancel as this is a third party ticket even though they have a full refund policy for the tickets right now due to the COVID situation. And chase is not willing to help people in distress. No channel to reach out for escalations either. I spent {$2400.00} ( points+cash ) on the transaction the itinerary number is : XXXX. I am on extremely sensitive timelines and i still wasnt offered any relief, no helpline no email address for sending my concern nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance XXXX {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Debt collection

Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.
Product: Debt collection

Healthcare receivables group, XXXX XXXX XXXX XXXX # XXXX XXXX TN XXXX. Was contacted about the alleged debt. Demanded validation and demanded they send me a written bill. They refused and reported it to credit reporting agencies. 

Don't know if I owe this debt since they won't validate but my credit score has dropped over 50 points because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX  XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 Cbna - Inquiry from XX/XX/2019 I need these removed!
Product: Debt collection

Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$2600.00}. I only found this out by being notified through my credit monitoring service two weeks ago that a " new collection was added ''. I have not received any notices or letters regarding this account. The collection has not been on my credit report in years and when I viewed my report, it shows as a new debt as of XX/XX/2019 on all three credit reporting agencies. This is completely false. I have sent a debt validation letter to Jefferson Capital and though it has not been 30 days since their receipt, I feel it necessary to pursue all actions available to me because the act of re-aging an account is illegal and negatively affecting my credit worthiness. I request this be deleted from all major credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a card with Best Buy back in XXXX. I have had this account open and active up until the time I lost the card in XXXX. I replaced the card and Best Buy has never reported the new card on my credit. This is my oldest credit card and affects my credit heavily! They are reporting my card as closed due to inactivity. I have the card, use the card often and have continued making monthly payments on the card. None of which has been reported on my credit since the new account was opened. I have called them on multiple occassions as well as experian and neither company has helped me as they just continue to blame one another.
Product: Debt collection

I was contacted by XXXX XXXX XXXX in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from XXXX XXXX XXXX and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know whos at fault here, companies in question is TransUnion and XXXX XXXX XXXX. First off I disputed a late payment on my XXXX  card from XXXX of 2022, contacted XXXX  to dispute it received a dispute number of XXXX with XXXX XXXX on XXXX of 2022. Fast forward to XXXX resolution was all negative information will be deleted. Awesome, I thought. On the week of XX/XX/XXXX the late payment finally came off on all three bureaus, fast forward to XX/XX/XXXX I get a notification that my score dropped on TransUnion I was like what could it be? Boom, the late payment was back on my report from XXXX of 2022 on XXXX XXXX XXXX and only on TransUnion, it made a huge impact on my score right as I was about to do a credit application for a vehicle, due to my wife totaling a vehicle are you serious? XXXX points down on my score, dont know if this was TransUnions fault or XXXX XXXX XXXX for not updating my account successfully. Really bad practice someones credit score should be a thing to mess around with it is someones way to get a car or a roof that goes over your head come on guys hold someone accountable and please fix this!!!! 
If the creditor fixed the issue of a late payment on a consumers account and TransUnion fixed it why in the world would they reverse it again a few days later impacting my score even more!!! Come on TransUnion.
Product: Credit card or prepaid card

An individual and or individuals stole my identity and opened a credit with Capitol one. When I called Capitol one, I was told there is a balance of {$2300.00} that was spend on this account. 
I do not own a capitol one credit or a debit card, nor have a ever placed an application to own or open an account with Capitol one. 

All purchases made on the account are act of fraud. 
I have asked Capitol one to to close the account. I was told by Capitol one that they will follow with an investigation and get back to me as soon as possible.
Product: Money transfer, virtual currency, or money service

If you refer back to my complain # XXXX you will see that I was experiencing the inability to get into my account for several months. During that period of time I had lost my XXXX  from XXXX in the way of the XXXX coin. When the XXXX  of XXXX was announced back in XX/XX/2019 coinbase assured us that if we held or XXXX with them at the time of the snapshot everything would be automatic through Coinbase. Due to my not being able to access anything in my account I didnt receive my airdrop whiich by my records in my tax documents from coinbase amount to about XXXX.
Product: Debt collection

Last year XXXX, A random lady showed up at my house in FL harassing and screaming my name in my neighborhood. My husband heard it he came outside lady gave him eviction papers from XXXX. This a debt I have been disputing for years. And it finally dropped off my credit. So wondering how this lady even found my new address and since not on my credit I disregard the eviction papers. Now XX/XX/XXXX I get a call asking me to confirm personal information since I'm thinking this is a scam especially with how rude the lady is on the phone I ask her to send me information about this. I wake up XX/XX/XXXX to a notification collection added on your credit from XXXX. I want this removed off my credit as it previously was and these people to stop harassing me
Product: Debt collection

XXXX medical center is trying to charge me {$8000.00} for a medical bill and at that time it was under my dad 's private federal insurance with his job so I wouldn't be responsible
Product: Debt collection

In several occasions, my account went past due. After I made arrangements to pay. Carmax continue to call several times for days. I asked Carmax to stop the calls but they wouldn't stop. Carmax attempted to collect the debt even when placing harassment complaints. This created a very bad case of emotional distress. I couldn't perform my job properly because of this.
Product: Debt collection

I am writing to formally dispute the debt referenced by Contact Callers Inc.. The debt in question is not mine, and I have no knowledge of the account they claim I owe. 

Details of the Situation : Date of First Notice : XX/XX/year> Upon receiving this notice, I reviewed my records and found no connection to the debt. I contacted Contact Callers Inc. on XX/XX/year>, explaining that I do not owe this debt and requested clarification or proof of the alleged account. 

Despite my request for further verification, I have not received sufficient documentation to prove that I am responsible for this debt. I am requesting once again that you provide validation of this debt, including the original creditors information and any supporting documentation. 


Action Taken by Me : Date of My Initial Contact with Contact Callers Inc. : XX/XX/year> Action Taken : I explained that the debt is not mine and requested evidence of the debt. 
Current Status : As of XXXX I have not received the requested validation or documentation to prove this debt belongs to me. 
Request : Please provide verification of the debt as required under the Fair Debt Collection Practices Act.