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

I have received a copy of my credit report and it shows company XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

PRIOR TO SPS XXXX SERVICED THE LOAN NOW THAT SPS IS THE SERVICER THEY WILL NOT ACKNOWLEDGE MY INCOME AND ARE BASING THE MODIFICATION PAYMENT BASED ON A HORRIBLE VALUATION OF MY HOME BY DOUBLE THE VALUE WHAT THEY DO IS DEFINITELY NOT SPS DO NOT CONTACT ANYONE TO DISCUSS THE MATTER THREATENING WITH FORECLOSURE
Product: Credit reporting, credit repair services, or other personal consumer reports

You XXXX  are playing hardball and stalling. Keep it up and we will be in court! That's a promise, not a threat! I have full rights to take you to court for violation of my rights per FCRA. 

i continually contact you crooked credit bureaus about inaccurate, unverifiable information that's being reported and you refuse to properly investigate or verify the items in question. 

XXXX  XXXX XXXX is reporting 3 different dates last active, different last payment dates, different payment history etc.THIS IS ILLEGAL!! All information has to be accurate, verifiable and complete according to the FCRA. 

XXXX XXXX XXXX is reporting a past due amount on a collection which is in violation of the FDCPA! 

remove these accounts NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts was open in my name without my knowlegde
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

I have tried on several different occasions to get this debt validated and nothing from this company I have for this account to be removed from my account because this company want send validation but they want remove it from my credit report so they need to do either or validate or remove it from my credit report
Product: Credit reporting

I have been disputing this medical bill on my credit report for over a year now and neither the collection agency nor the credit bureaus will remove this record. All my medical bills have been paid to my knowledge and I have contacted the responsible parties several times for this to be corrected. They have not been able to show proof of this debt or any additional information regarding the balance. I have contacted the creditor as well and they also have no records of this debt. Please help me clean this off of my report so that I can reach my financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to delete all of the inaccurate information that is hindering my file. this has been an on going issue that is not correct on all 3 credit file. please review an delete all data that is listed to correct my file with transunion asap.
Product: Checking or savings account

XX/XX/2022. I received a letter/statement that someone tried to open a bank account to get credit.
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 to privacy and confidentiality. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX A XXXX Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account number : XXXX 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 ) Sections 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 reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Debt collection

THE COMPANY, GRANT MERCANTILE AGENCY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
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 U.S.C 1681. XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX 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  # 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 ORHAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

For the pass 3 months, someone has gotten into my checking account. Every time the bank sends me a new debit card, the thieves already have the new number and charges on it.
Product: Credit reporting or other personal consumer reports

On my credit report shows that I was late on my Mercedes Benz account in XXXX, XXXX and XXXX of XXXX. I was XXXX during those 3 months because of XXXX. I also reported it to Mercedes Benz Financial but they still reported it late. Because of the disaster assistance it should not show late on my credit reports. Please fix the issue and remove the lates and update my credit reports.
Product: Debt collection

I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.
Product: Debt collection

XXXX, Jefferson Capital. First things first it is illegal to try an collect a debt for the original credit as the original credtor is reporting on my report. Two companies can not collect on one debt at the same time. Second I have mailed Jefferson Capital a refuse to pay and cease all communication with me. Third your document is in violation of the Fiar Debt Collection Practicies Act and the Fair Credit Reporting Act. I have attached the document you sent. Each violation is a thousand dollars. 15 U.S code 1692k Civil Liability Document Attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXs XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on XXXX XX/XX/XXXX Made with : Transunion
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XXXX Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXX XXXX  XXXX Public Record XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for Equifax and XXXX to verify.
Product: Checking or savings account

I have sent requests in writing repeatedly for this company to remove the automatic payments. They send me an auto message that says they will get back to me within two business days. 
I never get a response. 
I have worked with my back and issued a stop payment. The company just changed the amount and sends it back. 
I get repeated emails saying my bank account is no longer associated then I get another right behind it saying its successfully added and they charge me again.
Product: Credit card

I received an email from CapitalOne saying that I applied for a credit card, but I have not. I was also notified through credit monitoring that there was an inquiry on my credit report.
Product: Debt collection

The two avante medical collections that Im sure are not mine. Collections have fallen off through out the years but I have not been to the hospital in several years so i dont know why they are popping up on my account. The other two XXXX Im still in the process of paying I know those are most likely mine, but the other two are really suspect to me because they popped on my account out of no where.please help me underStand whats going on here. Im really upset medical accounts keep popping up when I havent been to the hospital in years
Product: Checking or savings account

I have a business checking account with Chase Bank. My client paid me via JPMorgan Chase/WePay merchant services which came with the business checking account. In XX/XX/2023, my client paid me {$300.00} ( X3 ) for services rendered totaling {$900.00}. Chase Bank/WePay Merchant Services put the funds on hold for 120 days. I am being told the funds will not be released until XX/XX/2023. We were never notified the funds were placed on hold or given an explanation until I reached out to my client for payment. My client stated that the funds were deducted from their account already and paid to to my bank account. I called JP Morgan Chase/WePay merchant services and was notified that the merchant account only had been closed. The representative at JP Morgan Chase/WePay merchant services stated I could file an appeal to get the account reopened and possibly get the funds released. After filing an appeal, the appeal was denied and JP Morgan Chase/WePay merchant services still has the funds that were paid to my company. After calling WePay Merchant Services multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 and many other times, I reached out to JP Morgan Chase executive office and was informed the same thing, they are unable to release funds until XX/XX/2023. The business checking account account is less than 60 days old, and there are no charges that would create a charge back that could not be covered. This has put my business in jeopardy and has created a downward spiral that I may not be able to recover from. The bank is holding my {$900.00} for 4 months and I would like to have my funds released.
Product: Credit reporting or other personal consumer reports

In regards of these attempts to have this inaccuracy corrected, it remains on my report, significantly impacting my financial standing and credibility. Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite numerous requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. I urge you to prioritize this matter and take all necessary measures to ensure the prompt correction of the late open account on my credit report. Please help me correct the late open account in my credit file immediately : XXXX XXXX Date Opened : XX/XX/year> XXXX Balance : {$2400.00}.
Product: Credit card

In XXXX, I received an offer from American Express that arrived via email or the USPS. ( I have been an AmEx customer for many years. ) The offer was : that I apply for and receive a XXXX XXXX XXXX credit card and spend {$15000.00} on the card within XXXX months. AmEx would then pay me a {$750.00} bonus as a credit to the account. 

I fulfilled the terms of the offer clear as a bell. The account opened in XX/XX/XXXX and by the XX/XX/XXXX statement, I had charged much more than the {$15000.00} offer requirement. So I should have received the {$750.00} bonus at that time or soon thereafter. 

When I did not receive the bonus, I contacted AmEx on XX/XX/XXXX and it claimed it had no record of the bonus offer. The service rep started a " case '' ( reference # XXXX ) to investigate my complaint, but I never heard any reply from AmEx. 

Today, I contacted AmEx again, and it now says that " no offer is attached to my account '', but the rep said she would start a new complaint " case ''. 

I have XXXX trust in AmEx at this time and would like the CFPB to investigate/inquire about this on my behalf. I knew about the offer due to AmEx 's promotional mailing, and I fulfilled the terms it specified. I now rely on the CFPB to shame AmEx into living up to its obligations. 

Many thanks for your assistance. 

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

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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

I've had a Synchrony Bank Master Card ( applied originally thru Stein Mart ) for many years and have always paid on time and typically paid the balance in full. I recently tried on several occasions to use the card and was told the charge was declined so I called the XXXX customer service number and was told a few weeks ago that there was no problem and to have the charge run through again ... did that and was declined again. Then received calls from 2 places that I had set up automatic monthly recurring payments for quite some time ... they indicated the current payments had been declined. I naturally called customer service again and this time was told that the account had been closed? I was informed that because Stein Mart was no longer in business ( which isn't really true ... they are back as an on line store only ) that my account had been closed. I never received any information regarding the closing of this particular account and asked to be transferred to customer service in the US. The rep I spoke to around XX/XX/XXXX was very helpful and let me know that most of the " Stein Mart '' accounts had been transferred to just a different account with Synchrony ; she was going to check and get back to me but as of this date I have not heard back nor received any correspondence providing a reason for the account being closed. I am contacting the CFPB for a few reasons on this situation. Closing an account arbitrarily for a non-negative reason ( I always paid on time/no issues ) negatively affects the consumer 's credit scores. My having pre-authorized payments charged to the card & then suddenly being declined was not only embarrassing but could have again adversely affected my credit. This account was a Master Card ... not an in house credit program. I would like to know why apparently other cardholders accounts were transferred to a new Synchrony account and mine was not. Thank you.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Payday loan, title loan, or personal loan

I have directed them to XXXX XXXX XXXX XXXX who I am working with on debt consolidation. Today XXXX at XXXX they called my job which could get my fired.