23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Complete Credit Solutions suddenly placed a collection account on my credit. It is account XXXX. They show it opened XX/XX/XXXX and reported XX/XX/XXXX. It also says date of last activity was XX/XX/XXXX. How can a new account be opened when last activity was years ago? It says original creditor XXXX but I do not ever recall a loan with them. I believe it was an erroneous account that we disputed long ago and was taken off. I believe it was over 7 years, almost 10. Now it has been placed back on our credit after disputing? No validation? Regardless of the origin, Complete Credit Solutions is re-aging the account to do maximum damage to my credit. We contacted and asked for validation but they did not want to discuss anything other than what we could pay. We told them it is disputed and wanted the debt to be validated. Nothing.
Product: Checking or savings account

Hi I'm missing business checking sign up bonus that was offered on the account back in XXXX. 

Bank of America is offering a bonus of up to {$500.00} when you open a new Business Checking account. The requirements to Receive a XXXX XXXX XXXX XXXX of {$500.00} are : Open a new business checking account by XX/XX/2022 ; Make Qualifying Deposits of {$20000.00} or more in new money into the account within 30 days of account opening ; Maintain an average balance of {$20000.00} until day 91 after account opening. 

Link to offer : https : 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I sent in a copy of my social security card and state driver 's license. My name is  XXXX   XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX  is not my name. My address has never been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SC  XXXX . That address does not exist. My number has never been  XXXX . I have disputed several times and provided documentation.
Product: Debt collection

I wrote the company dispute letter asking them to validate and verify the amount of {$600.00}. They are claiming I still owe them. Consumer Adjustment Co failed to validate the competent evidence bearing my signature.Showing that I have ( or ever had ) some contractual obligation to pay.
Product: Debt collection

Franklin Service , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Toll-Free : XXXX Client Services : XXXX XXXX XXXX XXXX is original account holder. This account was settled XX/XX/2020. This Franklin Services is trying to collect from an already settled account in which I have a receipt from the XXXX XXXX for equipment I returned. Franklin collections is the 3rd. company I have had to dispute this with on my credit reports. It comes off my report then returns with a different collection 's agency. I am retired and tired of having to deal with this.
Product: Credit card or prepaid card

A ) '' On XX/XX/2018 I went to XXXX XXXX XXXX headquarters at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX of XXXX. I spent {$1500.00} when converted into USD from {$200000.00} JMD. I was unable to receive my purchases and requested a cancelation and/or refund in XX/XX/2018 from merchant as well as my credit payment issuers whom were the store manager of XXXX XXXX XXXX XXXX XXXX as advised along with XXXX XXXX. However, XXXX XXXX   XXXX has been denying all of my claims including category B listed below. Others were unmentioned here ''. Images are attached. 


B ) '' On XX/XX/2018 ; I went to the XXXX XXXX check in kiosk and front desk to obtain my boarding pass for that day. I had five suitcases and the airline staff refused to allow any carry-on or free checked bags. I was uncertain that this was the right policy. 
I was uncertain that this was the right policy for this " XXXX XXXX '' XXXX XXXX arrangement ticket # XXXX. Record Locator XXXX. However, they made no exceptions to my protests. '' " I proceeded to check all bags at the kiosk. I was charged {$610.00} dollars. '' " Upon weighing my bags on the weigh station ; I was again charged {$400.00} after that initial payment ''. 

" I have submitted a claim to the XXXX XXXX online Customer Support Center with copies of passport, travel/payment itinerary and boarding pass which I had prepaid in the amount of $ XXXX+XXXX prefer seating as well as {$25.00} telephone ticketing service on XX/XX/2018. Noted oncrdit summary in amouns of {$330.00}, {$12.00}, and {$25.00}. '' " I was overcharged for travel services by the XXXX XXXX Agents and Representative 's on day of travel and unreceived benefits during prepaid registration for my choice of ticketing and seating preference in business or first class. I was placed in a group 6 but was next to almost last for boarding. I did not get a first class or business type extra such as baggage fee rules ... XXXX $ {$25.00} for 1st bag  ;. {$35.00} for 2nd bag ; ... {$150.00} for 4th bag, ... ..etc. 

For instance ; Allowances were for >100 pounds ( 51/23kgs to 70/32kgs ) ; >200 pounds ( 62in=157cm ).
Product: Credit reporting

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
The following inquires were not made or authorized by me : XXXX XXXX XXXX XXXX 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: Prepaid card

I received an American Express eGift Card for {$150.00}. I can not use it for any retailer, it is declined everywhere. After researching this issue, I have found this is a common problem. American Express Prepaid cards appear to be a huge scam and should be fined or closed down. Every retailer seems to have this type of prepaid card blocked.
Product: Debt collection

A fraudulent collection charge was added to my credit report XX/XX/year> from JEFFERSON CAPITAL SYSTEMS. The collection was for a XXXX charge of {$2300.00}. I have never had a XXXX acct or received a bill from XXXX. I assume this is the result of identify theft. A few years ago this collection report appeared on my credit report and was confirmed to be fraud and was removed after disputing thru credit reporting agencies. Now it has reappeared and is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the accounts below that are inaccurate and have never done business with 1. XXXX  XXXX XXXX XXXX XXXX - {$19000.00}. ( ftc report filed ) 2. XXXX - XX/XX/XXXX - {$14000.00} 3. MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$1300.00} ( FTC REPORT FILED ) 4.MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$2200.00} ( FTC REPORT FILED )
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I paid off one of my old bills, which I did because it was a old utility bill from XXXX XXXX XXXX. I have XXXX XXXX XXXX now so I decided to pay it, even thou I did n't know it existed. We had moved from my old address which is noted on my evidence back in 2014 and I figured they would just keep my deposit for the balance which they did. I was n't aware of any residual balance until a few months ago, when it popped up on my Experian credit report. Eperian just reaged it to look like I new account.
Product: Debt collection

XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank you
Product: Debt collection

I askedcompany to cease and desist at least 3 times by mail, they are still sending me letters in regards to the debt. I asked company to validate debt over 3 times, they couldnt. They are still reporting debt and in violation of the fcra. I would like debt removed and settlement in regards to their numerous violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Shell Point. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$570000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Product: Credit card or prepaid card

A {$19000.00} credit card was issued  by Fifth Third Ba nk in the name of  XXXX   XXXX   XXXX . This card was not requested by my  wife (   XXXX   XXXX   XXXX    ) and the first name is even spelled incorrectly.
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I called Fifth Third (    XXXX / XXXX /    2017 ) as soon as I saw the documentation that a card had been issued and that a change of address was processed for the card.
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Fifth Third blocked the account but now wo n't be accountable for removing the credit report info. They want me to take care of that even though Fifth Third is completely responsible for issuing the card. The credit report shows where Fifth Third made an inquiry   and then later issued a card.  <P/> I think the bank should back out the card from my credit report and not force me to get on  XXXX  numbers to credit bureaus to fix their incompetence.
Product: Credit reporting

Experian alone with XXXX previously remove XXXX items from my wife and I credit report stating that proof could not be provided. then a couple of months later placed it back on our reports. The companies are using illegal tactics to add them back to the report. I asked the XXXX agencies to please remove them and they refuse to do so after removing them previously.
Product: Debt collection

XXXX knows I have an attorney. They even sent my complaint responses to him however after I filed a complaint about XXXX contacting me not my attorney they then hired another 3rd party that also has started calling me several times a week and sending me correspondence in the mail at my home.and not to my attorney. I will attach a copy of the complaint results that include this debt that was sent to XXXX XXXX and then the correspondence from the new 3rd party. I'm not sure the date it was recieved but it says to respond by XX/XX/23. I think I recieved it around the end of XXXX. I can look through informed delivery if the information is needed. The calls started around the middle of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX authorized a removal of a hard inquiry made in XXXX of 2022. XXXX and XXXX removed this from my report. Experian has, after many attempts, refused to remove it. 

A letter sent to XXXX XXXX, asking for a letter to be sent directly to Experian was replied to, via a pre formatted response, explaining Credit inquires and opt-out procedures. This is also attached for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

In XX/XX/year>, I ordered an item from a merchant called XXXX home with my American Express card by electronic means followed up by an in store visit. Several weeks later this merchant delivered the item. However, the item I received was not the correct item that I saw online, in store, or otherwise and therefore immediately refused delivery. The delivery team refused to take item. I immediately contacted the merchant during the delivery who totally ignored my texts, calls and emails. So I then filed a dispute with American Express. 

With no consideration for what I submitted into evidence not receiving the actual item I ordered and that the merchant was refusing to work with me directly regarding my issue they ruled in favor of the merchant. American Express failed to protect my purchase from the fraudulent and deceptive actions of said merchant. They allowed this merchant to provide me with merchandise other than what i ordered and failed to properly investigate this matter or review any evidence I submitted to them, and relied solely on the response of the merchant who response was completely false, misleading and disingenuous. In the 5 months of trying to have this matter properly investigated by American Express I discovered there is a huge disconnect between the back office dispute team that makes decisions and the agents who do the intake. The back office team does not review all of the notes or evidence provided by the card member, which is clearly evidence by their response. 

The failure of the back office team ( who is inaccessible to speak to card members ) to review evidence submitted by card member consequently operates at the disadvantage of card members and results in failure to properly and fully investigate disputes and allows for XXXX  and fraud. As a result I am requesting you review and investigate his American reviews disputes particularly when a dispute is reopened and additional information is submitted. It is my understanding and experience that once a dispute is closed the first time additional information is overlooked, disregarded and not be reviewed and disputes are summarily dismissed. 

Therefore American Express must be held accountable and reverse this charge of {$820.00} given they failed to protect my purchase from fraud.
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint regarding inaccurate information on my XXXX report. The account in question was originally held with BMO Bank, but on XX/XX/2024, the debt was transferred and sold to XXXX XXXX, a debt collection agency. Since BMO Bank no longer owns this debt, they should no longer be reporting it to XXXX. 

I previously disputed this information with XXXX and requested its removal, but the item remains on my report. Under the Fair Credit Reporting Act ( FCRA ), information that is inaccurate or outdated must be corrected or removed. Since the original creditor no longer has ownership of the debt, they should not be reporting it, and this entry should be removed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX removes the incorrect entry. Enclosed are copies of supporting documents, including my dispute letter to XXXX and any responses I have received. 

Thank you for your time and assistance. I look forward to your response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I call XXXX, XXXX and TransUnion credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FLXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ive had some good standing accounts deleted off my credit report not sure if it was by accident so i have contacted Experian and they have refused to fix the issue i have attached a copy of a previous report from XXXX as evidence
Product: Debt collection

In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX  refuses to remove the account. The person I 've been in contact with is XXXX XXXX.
Product: Debt collection

This report is on my credit statement. I spoke to the debt collector and they directed me to this website. This account does not belong to me and does not represent a debt that is owed by me. I have not had any medical imaging done on or around the dates that are listed back in 2017. This is fraudulent and I will not allow this to be in collection from me. 

XXXX XXXX XX/XX/2017 XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of a fraudulent account that has reappeared on my credit report. This account was previously removed after being confirmed as identity theft perpetrated by my father. I have attached the original police report XXXX from the XXXX Police Department with Officer XXXX badge number XXXX this fraud. 

Account in question : XXXX XXXX  and account number is XXXX, account allegedly opened XX/XX/year>. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), the reappearance of this previously deleted fraudulent account without proper notification is illegal. This account must be removed from my credit report immediately.

Please take the following actions : Delete this account from my credit report Send me an updated copy of my credit report confirming the deletion You can reach me at XXXX if needed. 

Enclosures : Copy of original police report Copy of identification
Product: Credit card or prepaid card

In compliance with the dental service 's cancellation policy, My wife cancelled a dental procedure for my son. On XX/XX/2023, the dental practice charged my USAA credit card a deposit of {$510.00}. My son 's dental procedure was scheduled for XXXX, XXXX, 2023 at XXXX XXXX 
My wife questioned the standards of care in my son 's treatment plan, and began checking with other dental practices on how they conducted this same procedure. On XX/XX/2023, she sent the dental practice a notice to cancel the procedure and requested a refund to my USAA credit card in the amount of {$510.00}. The dental practice made excuses as to why they could not reverse the charges. This led to us initiating a credit card dispute for charges ( {$510.00} ) for services that were never received, and were cancelled per the dental practice 's cancellation policy. The dental practice sent me a full refund Check No. XXXX dated XX/XX/2023 in the amount of {$510.00}. I then called USAA as well as sent them a copy of the check via their online credit card dispute website. USAA has declined to reverse the credit card charge of {$510.00} twice. USAA stated, " This concludes our investigation, '' in both of their email messages. Today, I have sent USAA a third letter again, with my evidence of the deposit slip of Check No. XXXX into my checking account, a copy of Check No. XXXX and the XXXX  XXXX XXXX cancelled Check Image of Check No. XXXX. In my latest letter I have asked them for an explanation of their decision, all supporting documentation, and to give me specific descriptions of the evidence that they require. I sent this third letter certified mail, return receipt requested. We may end up hiring an attorney to move forward with our case.