23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Healthcare Collections reports inaccurate and non-sustainable information 2 times under the same name each with different balances, after formally requesting by certified mail pursuant to the FTC Act 15 U.S.C. 45 ( a ), on XXXX XXXX, 2016, the company has failed to meet the requirements to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts. after repeated disputes through all XXXX credit reporting agency for over 3 years or more with no solution to remove
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Equifaxs failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bankcard ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My uncle has been using my social and opening loans using my social
Product: Credit card or prepaid card

American Express ( Amex ) fraudulently attached to my Gold account seven ( 7 ) unauthorized users with their own credit cards numbers. IT IS IMPORTANT TO NOTE THAT NONE OF THE UNAUTHORIZED USERS WERE EVER KNOWN BY, OR ASSOCIATED WITH ME. Amex told me that the unauthorized cards were " attached to my account '' by Amex 's computer. Before these unauthorized cards were attached to my account, I had in excess of XXXX points. The unauthorized users eventually drew my points down to XXXX. Amex told me that my points were " used for XXXX purchases '' and travel. At this time, my XX/XX/XXXX statement indicates that I have a NEGATIVE XXXX POINTS. I began contacting Amex in XX/XX/XXXX. They finally reissued a new credit card number in XX/XX/XXXX, BUT THE SAME UNAUTHORIZED/UNKNOWN USERS WERE STILL ON MY ACCOUNT. At this time I requested paper copies of my Amex statements dating back to XX/XX/XXXX so that I could scrutinize each transaction, etc. I have yet to receive copies of my statements. Amex continues to deduct points from my account to 'pay back ' points that I NEVER USED. At one point, an agent told me the matter was closed and that my account had XXXX points. Sadly, my ill husband and I wanted to take one last trip together. Of course, I had counted on plenty of points for the airline tickets. Without these points, we are unable to take this trip. Rather than try to help me, they have now reduced my point balance to XXXX for reasons I do not understand, nor can they explain.
Product: Payday loan, title loan, or personal loan

I received a call from XXXX XXXX, XXXX XXXX XXXX Platium Holdings on XX/XX/XXXX at XXXXXXXX XXXX she stated that she had a file on her desknthat i owed a pay day loan from XXXX XXXX XXXX   thatbwas taken out on XX/XX/XXXX, that the amount owwd was well over {$2000.00}, acter speaking to her she stated that it could be settled with {$800.00}, i advised her that this has been paid off, i asked her to email me a copy of this debt. As of XX/XX/XXXX i have received nothing, and she called my mothers phone number and left a voice mail messgae with personal information about me and this account, that anyone could hear and this is against fdcpa regulations, so i now informed her that i will forward this matter to my Attorney and to ceae and decist contacting me in anyway.
Product: Checking or savings account

Incident : Undelivered funds from a cashed 401 ( k ) check Customer : XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX Details : * On XX/XX/XXXX, i cashed a 401 ( k ) check for {$9600.00} at PNC Bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). 
* i was informed of a 90-day hold on the funds. 
* On XX/XX/XXXX, i went to PNC and was told the money was sent back to XXXX XXXX the issuer of the 401 ( k ) check. 
* On XX/XX/XXXX, i contacted XXXX XXXX and was informed the check was cashed on XX/XX/XXXX. 
* Due to the undelivered funds, my car was repossessed on XX/XX/XXXX. 
Im unable to access the {$9600.00} from my cashed 401 ( k ) check. 
* The lack of funds led to the repossession of my car.
Product: Credit card or prepaid card

I was denied an extension of credit by CITIZENS BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CITIZENS BANK on XX/XX/2022. The letter from CITIZENS BANK is proof and evidence that I have been discriminated against. CITIZENS BANK has violated my federally protected consumer rights.
Product: Credit card or prepaid card

I am writing in today in regards to my account with Capital one account # XXXX. I am writing today in regards to the two late pays reported on my credit file in XX/XX/2020 and XX/XX/2020. Due to Covid I had an issue making the payments as soon as I was able to I got those payments made.
Product: Money transfer, virtual currency, or money service

BINANCE.US CLOSED MY ACCOUNT AND STOLE MY XXXX VALUED AT AROUND {$500.00} XXXX XXXX. THEY REPLIED TO MY FIRST CFPB COMPLAINT BY SAYING THEY WOULD RESTORE ACCESS TO MY ACCOUNT SO I COULD GET MY TAX DATA AND WITHDRAWAL MY FUNDS. THEY SAID A REPRESENTATIVE WOULD CONTACT ME ABOUT THAT. THEY NEVER DID. I CONTACTED THEM MULTIPLE TIMES ON THEIR WEBSITE AND THEY HAVE NOT REPLIED TO ANY OF THE 4 MESSAGES I HAVE SENT OVER THE LAST MONTH. THIS COMPANY IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN.
Product: Credit card or prepaid card

I have a XXXX XXXX Citi credit card and a Citi Miles Ahead Savings account. I tried to sign online to pay my credit card ( through the app and through a web browser ) and it asks/forces me to activate my savings debit card. I don't know where my savings debit card is. I've called Citi and they said the reason I can not login to my credit card account because I have to activate my savings debit card in order to gain access online to my credit card account ( pay the bill, etc. ). That is so wrong! Why can't I access my CREDIT card account when the issue is with my SAVINGS account. It's IMPOSSIBLE for me to access my credit card account online ( simply b/c I didn't activate my savings debit card ). I was forced to call Citi and get them to send me a new debit card ( b/c I don't know where my old one is ). I then have to activate the new savings debit card in order to access my credit card account online. I told the developer who told me what my problem was, and I told him that was a major issue. I doubt he ever raised the issue to management.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX **Subject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Discover Bank I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only.

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd party credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S. Code 1681c-2 ) that you, XXXX a XXXX credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It has been 2 months since i have sent thid company a notice to opt me out of reporting the following account XXXX XXXX from my consumer reports. Please respond to my dispute I am tired of waiting for a response. All investigations must be done withn 30 days and at the very latest 45 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I got an email saying that XXXX $ was sent to me and I needed to refund it by paying a recipient {$27.00}. I followed through called Paypal, and they told me to file a report. XXXX is the tracking ID. I realized this was a scam, please help.
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 confidentially under 15 USC 1681XXXX XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXX CO ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) 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 the information is inaccurate.
Product: Debt collection

I am writing to dispute the collection listed on my credit report under " Professional Debt Mediation. '' This collection was neither authorized by me nor does it belong to me. I kindly request that it be removed from my account.

Please confirm the removal, and let me know if any further information is needed.

I already made a report to identifytheft.gov Reference Number : XXXX Thank you for your prompt attention to this matter.
Product: Debt collection

I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report.
Product: Checking or savings account

In XX/XX/XXXX my checking and saving accounts were closed do to a previous checking account that was closed with the same institution. Unbeknownst to me I shouldnt have been able to open another bank account, but I was and now my accounts have been frozen and they said they were going to send me an official bank check to receive the remaining funds in my account, but I have yet to receive my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there is a XXXX XXXX Bankruptcy Court items listed on my credit reports. 

Bankruptcy XXXX XXXX File Number XXXX Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the XXXX Bankruptcy Courts.

The bankruptcy court has mailed me a letter stating that they do not provide any information to credit reporting agencies, nor do they ever validate or confirm public records. Additionally, XXXX has provided documentation stating it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers, who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Experian, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of 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 knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.
Product: Credit reporting or other personal consumer reports

On this day of XX/XX/XXXX, XXXX, I received weird and/or unusual notice. I would enclose the copy. The company claimed that their decision is based on what is provided to them by two credit reporting companies. I did not send any application to the credit company though. I called XXXX for fear of the duplicate or whatsoever stuff that always got me trapped by perpetrators who always get away with injustice very easily. Since my social security number could not match with the account number., they claimed that it is a third party which applied on my behalf. I do not know the third party though. I suspect retaliation and/or bully. Whatever punishment and/or destruction is ahead., I am bothered by the persecution. Remember., XXXX XXXX XXXX XXXX He said., I did not fail. I discovered one thousand things that do not work. I do not know where the punishment plan is originating from., but I would not waste time on some kind of maximum-security prison like bureau which is called XXXX which is in perfect alignment with the ID theft/punishment ring since XX/XX/year>.
Product: Money transfer, virtual currency, or money service

Hey there, My name 's XXXX XXXX, and I'm reaching out because I've run into a bit of a snag with PayPal Inc. They've gone ahead and slapped some restrictions on my account ( XXXX ) without giving me a heads up or any kind of reason. Honestly, it feels like a huge mistake because I'm pretty sure I haven't stepped out of line or broken any of PayPal 's rules. 

I've always made sure my actions were on the up and up, following all of PayPal 's guidelines to the letter. This sudden lockout 's thrown a wrench in my works, cutting me off from doing my usual financial stuff, which is a real pain both personally and professionally. 

I've tried reaching out to PayPal 's support crew a bunch of times to get the lowdown on why my account 's in the doghouse and how to get things back to normal, but it's been like talking to a brick wall. No helpful feedback or steps forward.
Product: Checking or savings account

Truist has been absolutely horrible I opened my account a couple weeks ago, verified my identity and all that good stuff, had a check I was issued under my alias name XXXX XXXX and called Truist to see if it could be cashed and they told me to go ahead and try to submit it because if it doesnt get accepted it wont hurt my account. Well I try to submit it, and the check comes back as returned which is fine because I guess it was expired and I didnt realize that but I called Truist because my debit card wouldnt let me activate it and Truist stated that they put a freeze on my account because of this and are refusing to help me release the hold on my account. The call center agent didnt know what she was talking about at all, and now I dont have access to my account because Truist wants to make things difficult. I expect the hold on my account ( s ) to be removed effective immediately. This was an honest mistake. Yall dont need to make me jump through hoops for something so simple
Product: Money transfer, virtual currency, or money service

Many times in many places many XXXX  members ID have been refuse and they had emergency to send money to family members in other countries. They have been dicrimanted against. This ifs fraud against a XXXX  American and agasit the law in the United States for Amaerica. This has happen in Ga.Fla. Md. and now we have file a complaint be fore but was lost. We have tried to speak direct to Mr XXXX CEO and have sent certifies letters to him but he has never respond now it is time to lien and sue them for the fraud they have done to our XXXX  members. We have ask for there w-4 from for the irs. also to file complaint no answer. He has staff that are not letting him know many people are being service properly. and this has been going on in XXXX XXXX and XXXX XXXX out let stores.I am the Attorney General for the XXXX  and I don't like our XXXX  members not being service at all. PLEASE USE XXXX THERE OTHER ONE DOES NOT WORK
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX  VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.