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

Experian/CFPB I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX section XXXX XXXX states I have a right to privacy XXXX XXXX XXXX XXXX A XXXX XXXX, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX/CFPB I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited over {$250000.00} more than XXXX months ago, following instructions from Chase representatives. They confirmed that my deposit into the preferred deposit account qualified for a {$2000.00} bonus. Despite this, I have not received the bonus. My tracking number is XXXX. Since XX/XX/year>, I have reached out to Chase multiple times via phone and email, but my {$2000.00} bonus still has not been processed. Can you please look into this? Is Chase going to provide the bonus, yes or no?
Product: Checking or savings account

My account Balance on XXXX is Low .. said connect to my banks to fix the problem
Product: Debt collection

Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated.
Product: Checking or savings account

I XXXX XXXX am writing to make a complaint against Direct Express. On XX/XX/XXXX I detect several withdrawals from my checking account from the company XXXX XXXX in California, XXXX. These withdrawals was not authorized by me. I called Direct Express on XX/XX/XXXX and put in a dispute claim with a representative ( claim # XXXX ). She stated she will pass the information to the dispute department and, that I will soon hear from them. I called Direct Express on XX/XX/XXXX, I spoke with a representative and she stated paper work regarding my dispute will be sent out to my address regarding this matter. On XX/XX/XXXX I called Direct Express to notify them I have not heard nor received any paper work pertaining to the issue. I called Direct Express on XX/XX/XXXX spoke with a representative, and I was advised to email a letter about the dispute charges to XXXX. The dates and amounts are the following XXXX {$37.00} XXXX {$43.00} XXXX {$18.00} XXXX {$34.00} XXXX {$22.00} XXXX {$22.00} XXXX {$22.00} XXXX {$29.00} XXXX {$27.00} XXXX {$26.00} XXXX {$37.00} XXXX {$24.00} XXXX {$23.00} XXXX {$27.00} XXXX {$26.00} XXXX {$7.00} XXXX {$31.00} XXXX {$30.00} XXXX {$31.00} XXXX {$31.00} XXXX {$31.00} XXXX {$29.00} XXXX {$26.00} On XX/XX/XXXX I received mail from Direct Express Fraud Department dated XX/XX/XXXX that the investigation has been completed and there weren't any findings of fraud. Upon receiving this I called Direct Express again to re-open the claim and I was informed that I couldn't re-open or file a new claim. 
On XX/XX/XXXX I submitted a complaint to Consumer Financial Protection Bureau regarding the matter. I received a response from XXXX XXXX Vice President Corporate Quality Process Department Comerica Incorporated XXXX. I've made several attempts to contact her directly and left multiple voicemails. No one has reached out to me. I called the number listed which is Cardholder Advocacy Group ( CAG ) by telephone at XXXX the line was consistently busy and I'm not able to get through.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects unauthorized inquiry that should be removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that this error have not been removed, negatively impacting my credit score and financial standing. If this error isnot resolved promptly, I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me remove the item immediately : XXXX XX/XX/year>.
Product: Credit card or prepaid card

I am getting sick and tired of overstock taking credit away from me. I'm trying to build my credit by building credit on my account. It's always when i build up credit over {$200.00} is when they decide to decrease my credit. I'm not even applying for credit. They make this excuse that every few months they run a credit review. I have had many credit cards and none of them have done to me what commenity bank is doing to me. Then I'm left without all the credit i saved up for the past 6 months and left with barely any credit at all to spend. My account is current with them. I am being treated very unfairly.
Product: Credit card

I filed a dispute for a charge, in which I was scammed for {$450.00} on a digital purchase. XXXX Barclays accepted doctored evidence from the merchant and closed the case. 

On XX/XX/2023. I faxed evidence that the merchant scammed me, and they provided doctored evidence, and the case was re-opened. 

While the case is now re-opened and investigated, I noticed they are charging me interest on the disputed balance. Also, if I do not pay the minimum they will charge a late fee, and report this to the credit bureau. 

I called their support on XX/XX/2023 and spoke to the general support, dispute specialist, and account specialist. They confirmed the dispute has been re-opened and the investigation is ongoing but the charge is still on my account and that I need to keep paying the minimum and incur the interest charges, and it will be removed if I win the current dispute. 

I explained to them pursuant to the CFPB I can not incur fees on a billing dispute I've given written notice for, and that is open and being investigated. They offered no help and said there is nothing they could do. I will incur fees, and if I do not pay at least the minimum I will be charged late fees as well as then report the missed payments. I have this call recorded and can supply it.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with all three consumer reporting agency 's XXXX XXXX and Equifax regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report 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 called XXXX/XXXX XXXX to make some type of payment. I was told buy several collections workers that once I start making payments, my status will change and will not continue reporting FP ( Failed to Pay ). well I looked at my credit report today and for the month of XX/XX/2018 my status is showing FP ( Failed to Pay ). I am highly XXXX and upset because i was told one thing and the company is doing another. That status is really hindering my score from me becoming great. I need this resolved with the correct status or delete this account from my report if your not going to get it right. I needed this validated and I never received anything but a bill. I know this is not the correct way for them to do things so i really need this resolved quickly please.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$100.00} XXXXXXXX XXXX XXXX XXXX {$67.00} XXXXXXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reporting late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXXn XX/XX/XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i did not open account XXXX account # XXXX
Product: Debt collection

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Debt collection

I have a collection account that I paid on XX/XX/24 to Convergent Outsourcing, for account number XXXX. I paid the account in full, yet they still show the full balance as being owed on their own website. I try to call them to see when it will be fixed but every time I call, no matter what number or time of day I call, they always say they cant take my call. I can not speak to anyone there at all, no one ever answers my emails, calls, anything. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i sent in a court order from a judge releasing me from 3debts, i sent those documents to equifax and i talked to the XX/XX/XXXX and they said i had to talk to the reporting creditor to resolve. they said they were not going to remove off my credit report because the reporting agency verified them
Product: Debt collection

This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.
Product: Debt collection

On XX/XX/XXXX, I received a debt notice from Phoenix Financial Services for a medical bill. My underaged son was seen on XX/XX/XXXX and we never received a bill prior to receiving this debt notice. I called Phoenix Financial Services and inquired about the bill. I then called my insurance provider ( XXXX  ) and they informed me that they were never billed by the medical staff. I called Phoenix Financial back and explained to them that their client never billed my insurance and that they needed to do that, I then gave them XXXX 's address. On XX/XX/XXXX, Phoenix Financial called me back to attempt to get the debt resolved by me paying the bill, I then informed them again that their client did not file a claim with my insurance company and I was not going to pay the bill. In XXXX of XXXX, I checked my credit report and saw that Phoenix Financial just placed a collections report on it. After I provided multiple rebuttal attempts to the credit agencies to get it removed from my account, I decided to contact XXXX to see if a claim had ever been filed. XXXX informed me they a claim was indeed filed and the Medical Provider was paid on XX/XX/XXXX. XXXX sent me an Explanation Of Benefits and I provided it to the credit agencies and XXXX was the only agency to remove the collections from my account.
Product: Credit card or prepaid card

During our trip to XXXX in XX/XX/2019, XXXX fraudulent charges were made on our Bank of America card in the city of XXXX. Charges occurred on days we were not in that city. Charges were noted the day after our return and Bank of America was contacted. Bank of America personnel state the chip on the card was used therefore we must have made the charges. When I refuted their claim they told me it was difficult to sort out a fraud claim if it happens overseas. I have filed my fraud claim 3 times, made countless phone calls, and shared documentation regarding where we were each day of our travels. They continue to deny my claim. 
Arrive in XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX. 

Arrive XXXX - XX/XX/XXXX, two nights in XXXX XXXX XXXX.? Withdrew money from ATM in hotel during stay ( used XXXX ATM card ). Purchased painting, ate in the XXXX Quarter of the XXXX XXXX. 
Checked out of XXXX XXXX XXXX at XXXX local time ( XXXX Eastern Time ) of XX/XX/XXXX and traveled to XXXX XXXX, XXXX XXXX, sea of XXXX area. 
-- -- First fraudulent charges made later in the day XX/XX/XXXX XXXX ) XXXX XXXX {$190.00} 2 ) XXXX XXXX {$1700.00} Arrived Ramot - XX/XX/XXXX - Stayed at XXXX XXXX XXXX XXXX nights departing XX/XX/XXXX for XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed at The XXXX XXXX XXXX night. XXXX XX/XX/XXXX for XXXX XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX. XXXX money from hotel ATM several times during stay. XXXX XX/XX/XXXX for The Dead Sea. 

Arrived Dead Sea - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX XXXX XXXX. Departed XX/XX/XXXX for XXXX. 
-- -- Third and final fraudulent charge made XX/XX/XXXX, XXXX XXXX {$4600.00}. 

XX/XX/XXXX arrived XXXX. Stayed one night at XXXX XXXX XXXX. Departed for XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I had a minor in office procedure in XX/XX/2020. I kept getting bills that my insurance stated I was not covered. My insurance had received no claims from this provider. I called the billing company no less than three times but kept receiving a bill for the entire amount claiming I was not covered by my insurance. Frustrated, I went to the doctors office in person and sat down with the woman in charge to straighten this out once and for all. I sat in her office until the problem was corrected. Before I even got the new bill I was reported to the credit companies which has effected my credit for several months as derogatory. I paid my remaining balance to the practice the day I received the bill. The check was cashed on XX/XX/XXXX. I sent a copy of the paid in full check to Choice Recovery the credit collection agency. The doctors billing office has continued to deny that I am paid in full even though I have provided a copy of the check.
Product: Debt collection

COLLECTION COMPANY OPERATING UNDER THE NAME OF A DISSOLVED CORPORATION  ( F IDELITY CREDITOR SERVICE,  XXXX   )  BOUGHT AN OLD JUDGMENT ( ISSUED IN  XXXX   XXXX   )  FROM THE OWNER OF JUDGMENT.   THEY FILED A RENEWAL OF JUDGMENT AT THE MERCED SUPERIOR COURT IN  XXXX   XXXX   (  PRIOR TO THE EXPIRATION OF JUDGMENT ) UNDER THE NAME OF THE DISSOLVED CORPORATION.   THEY CALLED ME NUMEROUS TIMES THREATENING TO RUIN MY CREDIT BY REPORTING IT TO ALL THE CREDIT AGENCIES.   I WAS NEVER SERVED WITH THE RENEWAL AS THEY SENT IT TO AN ADDRESS WHERE I HAVE NEVER LIVED.   IN  XXXX  I FOUND OUT ABOUT IT BECAUSE THEY ISSUED A LEVY AGAINST AN OLD BANK ACCOUNT.   I CONTACTED THE COURT AND TRIED TO APPEAL IT ON THE BASIS THAT THEY ARE A DISSOLVED CORPORATION.   THEY WENT AHEAD AND TRANSFERRED THE RENEWAL OF JUDGMENT FROM FIDELITY CREDITOR SERVICE  XXXX  TO  FIDELITY CAPITAL  HOLDINGS  XXXX  DBA FIDELITY CREDITOR SERVICE,  XXXX .   THEY CAN NOT BE DOING BUSINESS AS A CORPORATION WHICH HAS BEEN DISSOLVED.   CALIFORNIA LEGISLATION BUSINESS AND PROFESSIONS CODE CHAPTER  5 ( CODE 17910.5  ( a ) STATES THAT NO ONE CAN ADOPT A FICTITIOUS BUSINESS NAME  ( DBA )  WHICH INCLUDES " CORPORATION '', "  CORP. '', " INCORPORATED '' OR " INC.  '' UNLESS IT IS A CORPORATION ORGANIZED PURSUANT TO THE LAWS OF THIS STATE.   THEY HAVE BROKEN THE LAW IN BOTH INSTANCES.   I AM ATTACHING ALL PERTINENT DOCUMENTS
Product: Credit reporting or other personal consumer reports

Radius global solutions XXXX XXXX {$370.00} I don't know why this collection is on my credit report. I haven't done any business with this company. A collection doesn't suppose report open on a credit report. 
They don't have my signature nor did I sign a contract with this company.
Product: Student loan

ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. 

In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.