23daVinci/CFPB_Complaints huggingface dataset:
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 states a consumer reporting agency furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.
Product: Credit card or prepaid card

Around XX/XX/ 2018, I applied for the American Express Platinum card from the American Express company. After reading about the bonus restriction that I would not be able to receive any bonus if I have received a bonus Platinum Card from the past and I confirm that I have not receive any bonus Membership Rewards in the past with my one XXXX American Express Platinum from before. After further research, I found out that American Express also put in a safeguard and inform customer or potential customers that they may not be eligible for the new card member bonus. 

After successfully completed the application for the Platinum card, I did not see any warning and I can't see a reason why I would not be able to get the new card member bonus. Forward to today, XX/XX/XXXX, I contacted American Express about the new bonus and was informed that. " I see that the bonus offer on your card is showing declined on the account and the account notes state that you're not eligible for the signup offer for the card. '' There is no reason why I would not be able to receive the bonus. There was no abuse nor I have had the same product before. All purchases made on the card are legitimate and I did not breach the contract. I don't mind if I am clearly communicated that I am not eligible for the product but if not issuing bonus after I have receive and spend is misleading.
Product: Debt collection

This company sent me text messages on XX/XX/XXXX and XX/XX/XXXX with a vague message about trying to contact me about a debt. When I responded to them they immediately asked for my full name, Last 4 of social, date of birth, and address. Basically, everything one needs to steal my identity. I informed them that they should send any bills to my address. Not hard to find. Its public information. They continue to refuse sending me any written communication about the debt unless I give them all my personal information. 

Today, they left a message on my cell phone. They then proceeded to call any and everybody Ive been in contact with. My in laws, my brother, my old work friend from years ago, and who knows how many other people that havent reached out to me yet. I called and spoke with somebody at the office of Metacorp LLC in XXXX, NY who again wanted me to freely give up all my personal information. She adamantly refused to even identify herself as a debt collector unless I gave up all said personal information to a complete stranger. They refused again to send me a notice of the debt by mail. 
If this is a valid tactic and a valid company it is no wonder Americans continue to get their identities stolen. They are so harassing and embarrassing to people that they just want it to stop and give out personal info. I was under the impression this company is required by law to send me a written notification of said debt. Isnt XXXX XXXX from MetaCorp required to identify herself as a debt collector? She straight up refused. How is any of this legal? 

Not to mention this company has a somewhat shady history according to the internet. Are they really buying up non-legally binding debt for Pennies on the dollar and then illegally harassing consumers who arent aware of their rights? This is so shameful. This company needs to be stopped.
Product: Credit reporting

TransUnion Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$420.00} This ACCT. is charged off. Error please delete inaccurate. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$0.00}. This ACCT. was transferred. Error please delete inaccurate.
Product: Mortgage

My loan was set up without an escrow account for taxes. I pay my taxes ON TIME every quarter myself. Two times now PHH has sent money to the tax collector from a non-existent escrow account and then sends letters that I need to reimburse them or face default. My tax payment has never been paid late by me and trying to resolve this issue is impossible. I have called multiple times with no resolution.
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 XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} 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 XXXX 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 # XXXX XXXX XXXX XXXX XXXX as proof from the XXXX 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, credit repair services, or other personal consumer reports

I am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the XXXX and XXXX Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my Experian credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks. 

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed Experian of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact Experian immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt attention to this matter. 

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

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

ASTA PURCHASED XXXX XXXX AND IS REPORTING ON MY CREDIT REPORTS IN VIOLATION OF FDCPA , FCRA AND S.O.L. LAWS.
Product: Debt collection

XXXX XXXX XXXX - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting a late open account and the associated late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : Despite my continued efforts, the late open account has not been corrected, and the associated late closed and charge-off status remains on my records. 

I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify the late open account and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assistance to correct these late open account and remove tha late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX Balance : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Debt collection

Portfolio Recovery Associates had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX XXXX XXXX XXXX. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also Portfolio Recovery Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By Portfolio Recovery listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called Portfolio Recovery and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.
Product: Credit card or prepaid card

Key2Benefits has a card to account transfer option. I have used this successfully transferring money to my personal checking account for many weeks in a row. The last to 2 weeks the ACH transfer has been rejected and the money returned to my debit card. I have spoke with Key2Benefit agents on 4 occasions and nobody can fix this issue.
Product: Money transfer, virtual currency, or money service

I joined Gemini as it was said to be a highly trusted company in many reviews. After giving it a try and depositing money they have froze my account. So while they have my money i cant do anything with it and cant withdraw it. I have been trying to contact them via Email and XXXX for over a month and they dont repond. the phone number is fake. After getting on XXXX, reviews from app store on phone, and many forums i now realize they are doing this to many users and some have been trying get them money back for 6 months now. This website is a scam and after i get my money i will never deal with them again ever. 

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Mortgage

Hi, I'm getting continuous marketing calls from Rapid Mortgage Funding for mortgage loan. I already communicated to them multiple times that I'm not interested and to stop calling me, also I called their corporate office XXXX XXXX XXXX, MI couple of times to stop all the marketing call but it didn't helped. This is harassment for not taking a mortgage from them. Can you please help me to stop these marketing calls from Rapid Mortgage Funding. 

Phone numbers used to call me : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by CREDIT COLLECTION SERVIC Dear CFPB, This letter is to file a complaint against CREDIT COLLECTION SERVIC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ).

Failing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

CREDIT COLLECTION SERVIC is reporting incorrect information on my credit report such as Date Opened is incorrect. Date last reported is incorrect. 
I am informing CREDIT COLLECTION SERVIC that i am disputing all owing and any debts, I am revoking all my rights of communication with CREDIT COLLECTION SERVIC through email, text, calls. 
In this letter i am requesting debt validation, I am also requesting the purchase order agreement between CREDIT COLLECTION SERVIC and the original creditor, I am also requesting CREDIT COLLECTION SERVIC to furnish proof that they are licensed and bonded. 

I request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. 

I have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. 

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

INQUIRIES THAT I DONT RECOGNIZE. PLEASE SEE ATTACHED LETTERS AND FTC REPORT
Product: Debt collection

I was contacted by Nationwide Credit in XX/XX/2019 by phone. Nationwide credit stated that I owed a debt and that a debt was owed on behalf of my ward. The debt amount was not recognized by me. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. After that initial call, I continued to receive calls and voice messages at least once a day over a two week period. I usually let these go to voice mail. On some occassions I answered and again stated that I was questioning the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt.
Product: Mortgage

I missed either XXXX or XX/XX/2018. Payment Chase called me in XXXX of 2018 to pay it. I had 90 days to pay but paid it in 60 days. I also paid the payments that were due when there due was. 

Now Chase is stating 3- months I was 30 days late. Then said I am 90 days late also. 

I am upto date on this this mortgage payment
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for failing to conduct a proper investigation into the disputes I have raised regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours, asserting that the accounts in question are accurate, without offering any supporting evidence of a thorough investigation. This approach constitutes a violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which requires that disputes be investigated reasonably and in good faith. 

Additionally, Equifax 's conduct may violate the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the recent administrative proceeding ( File # XXXX ) against them for similar infractions. I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action to ensure that Equifax complies with federal law and provides consumers with the necessary documentation to verify that a thorough investigation has been conducted into their disputes. 

XXXX XXXX : I disputed this and asked for an original contract from XXXX XXXX. 

XXXX XXXX XXXX Credit Card : This card should be on my business credit not my personal credit. 

I also disputed the closed accounts on my credit that were charged off