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

To Equifax, 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) subsection listed below.

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Page 18 | 43 605. Requirements relating to information contained in consumer reports [ 15 U.S.C.

1681c ] a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ; ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Below is a summary of the data in which I am challenging : 1. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. 
I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. 
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. 
Thank you! 
XXXX
Product: Debt collection

Good Evening, Attached is full documentation of all correspondence with XXXX XXXX XXXX  who is the debt collection agency for XXXX TransUnion has done their part in removing XXXX  XXXX XXXX however, you all forgot to move XXXX  off of my credit report. 

Attached is the letter from XXXX also, my case number with you all as well. My CFPB full correspondence is included in this correspondence. I have received notice XXXX XXXX XXXX  was removed but XXXX was not which is the company XXXX stated was the original company. When you call XXXX  they say debt was sold to XXXX and all correspondence must be with XXXX. XXXX deemed debt as fraudulent and provided debt removal letter. 
All other bureaus removed rXXXX as part of their process. I believe you all forgot to remove XXXX, If you need any additional information, I will be happy to help. Thank you.
Product: Debt collection

I contacted Advance America around XXXX XXXX, XXXX, to rescind authorization to take money from my checking account for payment of a loan. I was assured that this was all that needed to be done and no longer would money be taken from my account. On XXXX XXXX, XXXX, there was a check processed for {$280.00} and taken from my checking account. I do not write checks, nor have I authorized an electronic check for a very long time. It was a check made out by " me '' to Advance America, but I did not write this check, nor did I authorize it. My XXXX XXXX 's customer service line was closed since it was Friday evening a little after XXXX p.m. central time, so I contacted Advance America 's customer service and explained to the representative what happened and how upset I was. When I finally got to speak with a supervisor, and I told her that I had rescinded payment authorization for my checking account, she said when it goes into default, that the rescind was voided and would have to be done again, and they had a right to write themselves a check from my account because it was on page XXXX of my agreement ( buried in the fine print, obviously ). She said they would enter in another rescind payment authorization on my account, but they could not return the money they took, which was all the money I had, and it was from my Social Security, which is federally protected.
Product: Debt collection

Under the FCRA, I request an investigation on the responsibility and the amount of this collection ( ENHANCED RECOVERY COMPANY ( XXXX : XXXX XXXX ) XXXX Opened : XXXX. XXXX, 2021 Balance {$990.00} ). It was already paid off to the original creditor. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Product: Credit reporting or other personal consumer reports

Requesting monetary relief multiple attempts to correct reporting, inaccurate reporting on a fraudulent account remove from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently Reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Comenity Bank shows an outstanding debt of {$2900.00} which was charged off in XX/XX/year>. I never received a notice to dispute the debt nor did I receive form 1099-C when I requested it. Yet it is reporting every month, ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX NY,XXXX, XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX NY,XXXX 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!
Product: Mortgage

You have refused to address the information that shows Bank of America acted in a retaliatory manner when it transferred our loan to XXXX in XXXX XXXX requiring us to make 2 mortgage payments in XX/XX/XXXX ( and taking weeks to resolve ). You have refused to address that Bank of America said we did n't have income to quality for refinancing under HARP. You have refused to address that Bank of America told us we were in default when we were never late on a payment. You have refused to address that Bank of America sent us private information on another borrower. You have refused to address that Bank of America falsely told us we could reapply under HARP when there is no evidence of that. The Ombudsman has never answered our challenge mailed XXXX XXXX XXXX in CFPB XXXX and CFPB XXXX. In short, you do not pay attention to detail and evidence to any extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my Experian report but Experian keeps stating that I am a minor. I am NOT a minor. Please fix this issue. There must be a mix up in my social and/or name. I have attached proof of my ID.
Product: Credit reporting or other personal consumer reports

I been requesting XXXX to removed XXXX XXXX  account from my credit file. The account was a joint account, was paid in full and never surrendered or foreclosed. It should be removed from my credit.
Product: Credit reporting or other personal consumer reports

I'm just now starting to pay attention to my credit and i'm noticing a lot of fraud accounts in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand they remove these inquiries of my credit report. I did not authorise these on my credit. XXXX and Transunion refuse to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there's a debt on my credit report of {$2600.00} from XXXX XXXX XXXX opened on XX/XX/2021 that is not mine. I have contacted XXXX XXXX XXXX  many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. XXXX XXXX XXXX did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX balanced {$6500.00} XXXX XXXX XXXX balanced {$0.00} XXXX XXXX XXXX balanced {$0.00} XXXX XX/XX/XXXXXXXX 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

Orion Capital Solutions, calling from XXXX ( XXXX ) XXXX but stated to call them back at XXXX. From the comments Ive read it sounds like this company needs to be shut down immediately. I do not know who they are looking for but a quick XXXX of their phone number would let anyone know that persons business ( illegal ). Violations of the FDCPA for sure.
Product: Checking or savings account

In XXXX of XXXX  I deposited XXXX checks XXXX from my local XXXX  XXXX  and the XXXX  one from XXXX XXXX  which is the place where I lived ( XXXX XXXX ) is the new name. Within XXXX XXXX  the funds became available to me. I moved half the money to my savings acct and then my accounts were locked and closed. I called numerous of times also have the XXXX  XXXX and the corporate office to reach out. Citi bank still claimed they could not verify the check. They stated after XXXX  XXXX  the accounts would close and the funds that were in the account would be sent in a final check. The XXXX  XXXX XXXX  sent me pictures of the check cleared in that account. I called more times to Citi bank to ask questions as to why the funds were not sent back to the issuer if the check could not be verified. They said it takes about XXXX XXXX. It has been just about XXXX XXXXs and Im still being told that they have no information to provide to me! All I want is the money that is owed to me. The check has cleared and I have proof, I rather have this dispute resolved before I take legal actions and it cost the bank more money than what I had in my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Greetings I am in receipt of the attached correspondence from your company. I dont know who you are nor do I have any contracts with you. I have also not authorized your company to use my name in any way, shape or form- as there is a copyright on it. You are FIRST, in violation of that copyright. 

Secondly, this is an attempt to extort using FALSE and MISLEADING information. It is also slander and defamation of character. There is no alleged debt that is verified or validated by your company or any others as stated in the header of your correspondence, because Milestone has redeemed funds from the US Treasury using this security AND a threatening DUNNING LETTER does not serve as validation or verification. You are in flagrant violation of the FDCPA. But, nonetheless, I have filed the proper paperwork/forms with the IRS so that you can answer to them about your illegal activities and tax evasion. I am sure they will be glad to examine your books to rectify and VALIDATE/VERIFY where the money is or is going. 

You do have 5 days to cease desist all false reporting, including and not limited to any and all credit reporting agencies.who have been alerted and will be included in any RACKETEERING charges that I file along with complaints to the Attorney General. Your poor reputation precedes you and is well documented. 

Please accept this as your warning and a cease and desist of all activities pertaining to your attempt to extort. The proper authorities will contact you for further investigation and enforcement. 

Have a nice day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB Milestone/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In XX/XX/2020 Paypal closed the account I was using for selling online and they did not give me a reason. Prior to them closing my account they were holding my money saying that I had to prove items were shipped and money would be released when the items were delivered. I provided tracking and all items were delivered but still they were holding my money. Out of nowhere I logged in and was told my account was limited and I could no longer use Paypal. No reason given. I was then told that they were going to hold my money for 180 days, no reason given. As the 180 mark was approaching I logged into my Paypal account to see what needed to be done to make sure my money was released and I see that on XX/XX/2020 they transferred the {$1500.00} they were holding out of my account to themselves. I called to get help and they basically said we are keeping your money, we won't tell you why and there is no one you can talk to about it. Plain and simple, Paypal just stole {$1500.00} from me. I did not violate any terms of service and if I had, the closing of my account would have been sufficient. It does not give them the right to take my money and nothing I may have done warrants them keeping it.
Product: Bank account or service

I opened a Citigold bank account with Citibank XX/XX/XXXX with promo code XXXX, which promised XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and 2 months of bill pay. I confirmed the promotion was attached to my account, and on XX/XX/XXXX received a letter from Citibank confirming that I have satisfied the requirements of the promotion. The letter stated that I should receive my miles by my XX/XX/XXXX statement cycle. I still have not received the miles as promised.
Product: Credit card

I am disputing the collection account with CAPITAL ONE BANK USA account number XXXX dated XX/XX/2019, with a balance of {$550.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CAPITAL ONE BANK USA, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have reached out to Indentity theft. gov here is my confirmation number for the two portfolio accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.
Product: Bank account or service

I want to submit a complaint for Bank of America I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I found that there are a lot of fraudulent and inaccurate items being reported, please see attached documents.
Product: Credit reporting or other personal consumer reports

XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX, 2022. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting or other personal consumer reports

" I am disputing the charge off status of XXXX XXXX XXXX  as reported on XX/XX/year> by XXXX, XXXX, and XXXX reporting agencies. This account was paid in full. According to FCRA Section 623, furnishers must provide accurate information. I request that you investigate this matter and update the account status, using the appropriate code ( 01 or 11 ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a response was sent to address the issues of a consumer denial letter. Navy federal consumer denial letter gives misleading information on whom to address in the dispute.