23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collections account in the amount of {$430.00} that is being reported by Midland Credit Management in error. 

Midland bought my account from XXXX XXXX  in XX/XX/XXXX. On XX/XX/XXXX, I wrote to XXXX and Midland asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. Midland sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from XXXX XXXX dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from XXXX directed me to contact Midland for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both XXXX and Midland and when will the incorrect trade line be removed from my credit report?
Product: Debt collection

People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines. 

NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!
Product: Money transfer, virtual currency, or money service

Coinbase has put a 72 hour hold on a bitcoin transaction for nonsensical security reasons and I have no way to contact or4 dispute the hold.
Product: Checking or savings account

XXXX purchased BBVA and in return closed my Simple bank account. I took a quick look at BBVA 's banking system but decided I did not like it. I requested BBVA to close my account two times. I requested to close my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three responses were not on how to close my account but were instead of how to HIDE my bank accounts from my account. The third response apologized but offered nothing in response. I tried calling but spent over an hour on hold before giving up. 

I want my account to be closed, permanently, as I want nothing to do with XXXX or BBVA.
Product: Debt collection

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX
Product: Payday loan, title loan, or personal loan

First and foremost I appreciate your undivided attention to my concerns and complaint with Trading Financial Credit. I do agree with borrowing the amount of {$10000.00} with using my daughters vehicle as collateral for the loan. However, Im very appalled by the unforeseen excessive interest we have been charged in the amount of 96 %. The fees are out of contents, control and abnormal, I would like to believe there has been a misprint or oversite. It would be devastating to find out we have been taken advantage of as consumer or customers. Im a XXXX employee and have fulfilled my balance with this company of {$10000.00} plus more. If you can please assist me with an audit and investigation I would appreciate it. Since my wife lost her job in 2015, we continue to experience on going financial hardships, never did I imagine I would be taken advantage after only seeking a loan in the amount of {$10000.00} and fulfilled by paying back {$13000.00}. Just to be notified that I still owe almost {$10000.00} worth of interest. As I was desperate to make ends meet in our household of XXXX, I use my daughters car for a Title loan and she is not very happy about the remaining balance. 
Attachments XXXX ( XXXX MB )
Product: Credit card or prepaid card

I used my Chase credit card ( Cardmember Services ) on XX/XX/XXXX to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of Next Level Investments, XXXX. The contract says that the company would charge the initial deposit of {$2500.00} to the card ( provided over the phone ) and the balance after the work was completed. The company charged the entire amount of {$5.00}, XXXX to the credit card without my permission. I sent an email to the company on XX/XX/XXXX informing XXXX XXXX of XXXX XXXX XXXX of this error. On XX/XX/XXXX, I emailed the company again, after he had abandoned the job site without completing the job as per the contract about the fraudulent charge. I have not heard from the merchant. I contacted Chase credit card services to dispute the charge. I sent them supporting documentation and they informed me that the charge is valid because the merchant has my signature. I contested the charge because XXXX XXXX XXXX only framed a third of the house and that I would only pay one third of the bill. I am requesting your help with Chase credit card. If the contract says initial deposit of {$2500.00}, Chase 's decision to uphold the merchant 's request is an indicator that the merchant 's actions are legal and valid. I am willing to pay {$2500.00} as agreed upon but I refuse to pay the full amount that was erroneously charged to my account.
Product: Checking or savings account

I call and went up XXXX  the bank XXXX dispute charges charges that added up XXXX  About {$1500.00} I over {$350.00} in XXXX fees I didnt know XXXX was getting because I wasnt niptified and {$350.00} & XXXX XXXX XXXX and {$300.00} in XXXX  ther purchases I didnt XXXX  That t where internet purchase I didnt XXXX XXXX approve this keyboard is messed up set for all the typos!
Product: Debt collection

Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX experian has not deleted the XXXX account. the posted information has been on my credit reportes and should be removed and deleted from all 3 credit bureaux.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION REFUSES TO PROVIDE ME WITH A COPY THE LETTER XXXX XXXX XXXX XXXX XXXX SENT THEM CORRECTING MY CREDIT RATING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts and credit inquiries have appeared on my credit report. I am requesting that these fraudulent items be blocked and permanently deleted under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ). 
Below is a list of the unauthorized accounts and inquiries that I request to be removed : XXXX Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Capital One Bank ( U.S.A. ) N.A you broke the law according to the FDIC. 
This notice of mine has been written XX/XX/2022, and is being submitted as dated XX/XX/2022. 

Capital One Bank ( U.S.A. ) N.A agreement violates my consumer rights and I refuse to liable to perform and the demanding the reflecting balance on the account the same be credited to the account, failing to comply will be a breach of fiduciary duty. Capital One Bank ( U.S.A. ) Bank N.A must perform on it's obligation and " promised '' offer according to the FDIC ( See attachments in accordance of the Rule ).
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2022 I sent a dispute letter to all three bureaus ( XXXX, XXXX, and XXXX. ) When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist or the collection company intentionally added more to the amount than is really due. I have tried to communicate with the bureaus, and the Creditors to no avail. No one has been able to verify these accounts as accurate, and yet they have not been deleted from my credit report. Attached also below is audio from me speaking to a XXXX representative that two XXXX  collections ( XXXX  and XXXX XXXX ) are inaccurately being reported and 1 is just falsely reporting from XXXX XXXX even the balance amount is wrong. as well I called XXXX company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. I also have sent a dispute of these accounts and failed to receive the request verification of this account! The other account has been disputed as well and again it's not reporting correctly and failed to be verified as mine, but it is still on my credit report. To reach XXXX requirements I had to cut out a significant amount of the call. The representative did state that those items would be removed from my credit report if I paid, and I did pay.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

COMENITYBANK/VICTORIA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I XXXX XXXX XXXXLING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXX XXXX XXXX } REMOVED/DELETED from my Experian Credit Report -- SEE ATTACHED. Additionally, this INACCURATE Credit Card Account information is also being reported on my XXXX and XXXX Reports. I have disputed it numerous times with ALL THREE Credit Reporting Bureaus/Agencies , and with XXXXXXXX XXXX XXXX XXXX  XXXX but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.
Product: Debt collection

In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. 
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, believing in accurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, the alleging systematic issues such as failing to forward consumer- provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, to remove or amend the disputed accounts. As Equifax in action violates federal law and my rights as a consumer.
Product: Debt collection

On XXXX XXXX, 2016, at XXXX I was called from XXXX XXXX, the company name is Account Outsourcing Group. I was sick that day and was very annoyed that they did not call between XXXX and XXXX as directed by 15 United States Code Section 1692c. When I communicated that it was against the law to call my phone that early, the caller stated that it was XXXX where she was calling from and I stated that I was in California and it is XXXX here. Therefore, I asked to speak to her supervisor and she put XXXX XXXX on the phone and I communicated the information to her, then she got extremely rude, said they have no record of my number, and hung up. I have a record on my phone what date and time I received the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/23. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Debt collection

Date of occurence XX/XX/XXXX. It was explained to me by the medical billing department ( XXXX XXXX XXXX ) that the debt was paid to and processed by the incorrect department ( XXXX XXXX ) resulting in a collections on my credit. I attempted to have the problem corrected and the funds paid-in moved to the proper department and was not successful. I offered to pay the debt if the company would remove the negative information from my credit file. I was told by the billing representative that the negative information would stay on my file until the statue of limitations is reached. The debt has since reached the PA statue of limitations on medical debt as of XX/XX/XXXX, and I would like the negative collections report to be removed.
Product: Credit reporting or other personal consumer reports

My credit score was obtained from Equifax Bureau on XX/XX/XXXX by XXXX XXXX XXXX for auto loan financing. The institution reported a score of XXXX. I didnt know about the score of XXXX until the following week when a delay in processing lead me to engage XXXX XXXX XXXX XXXX XX/XX/XXXX, which also obtained an Equifax score for me of XXXX. When XXXX advised me of XXXX score I challenged it because my knowledge of my credit score has been consistently above XXXX rating for many years. In fact, I checked my scores from all 3 bureaus on Monday XX/XX/XXXX just two days before XXXX and each bureau including Equifax indicated my score as over XXXX. I then pulled my score from Equifax on XX/XX/XXXX just a couple minutes after what XXXX reported and my score was XXXX. It didnt make sense my Equifax to report my score up to XXXX points lower to a potential lender ( s ) than what it reported to me. When I received the Adverse Action Letter from the first lender XXXX XXXX XXXX for reasons other than my score, it shared the score of XXXX. On Monday XX/XX/XXXX I made contact with Equifax representative XXXX to determine why there is such a disparity in the score report, he only indicated lenders can use whatever score model they choose when pulling consumer scores. So is Equifax free to misrepresent scoring to lenders and indicate a different score, a better score to consumers or is there still problems with its coding as reported nationally in XXXX?