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

Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XXXX  for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.
Product: Credit card or prepaid card

The amount of spam robocalls I am receiving from comenity bank is absurd. On average 10 calls per day with no voicemails, my accounts are NOT over due and hold a collective balance of under {$1000.00} that is current. This is unacceptable, I will be paying my accounts off and closing my account and never doing business with Comenity or any of the subsidiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX  XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a negative " hard inquiry '' evidently made by XXXX XXXX on my credit profile. Though Equifax has provided many excuses such as " mail the company a letter '' or " wait 15 days for a free credit report '' for not deleting this obviously inaccurate entry that is the single item on my credit report that likely did not appear there by magic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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
Product: Prepaid card

I made a purchase with my cash app from online retail store XXXX on XX/XX/2024 man shorts in the amount of {$89.00} item was received and item was received back from merchant and merchant never refunded my {$89.00} I submitted several disputes to no avail
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C. 1681 c-2 ) that you, the Equifax 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 aXXXX XXXX XXXX XXXXXXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX XXXX a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, and a personal loan opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO Credit Report. Ive attached a list of the hard inquires 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, and hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by made. All of the aforementioned accounts, collections, and hard inquires are the result of Identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year> a new account in collections added to my report. The collection agency is Jefferson Capital Systems LLC. The original creditor was XXXX The agency filed a derogatory mark on my credit that caused a pretty big drop on my score they stated i was not making payments they said the past due amount is {$120.00} a sprint account that i do not have with the company this was filed on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my Experian credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) ( Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

A scammer called me claiming to be from Citi bank fraud department and scammed me into sending XXXX through XXXX I have disputed this with my bank twice and have been denied both times
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from First National Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. First National Bank violated federal law. see 15 USC 1681b A2. I did not give First National Bank Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Checking or savings account

XXXXFraud case for {$2800.00} XX/XX/XXXX credit returned back to me {$2800.00} XX/XX/XXXX reversal of credit {$1400.00} XX/XX/XXXX reversal of credit {$1400.00} XX/XX/XXXX Called 5 times to get a hold of case manager XXXX tried to talk to case manager again XX/XX/XXXX called three times to talk to case manager XX/XX/XXXX sent email showing proof that I did not make these charges. Heard back from company 4 times already, nothing from us bank Also in early XXXX went to bank to talk to branch manager she also said she has no way to contact case managers also when she was on phone with the fraud people they put in notes saying we wanted evidence an that were gon na report to you all an still havent heard anything
Product: Credit card or prepaid card

My credit card number was used for several online purchases without my authorization. Here is the summary : XX/XX/2018 XXXX/Bill XXXX Ca - {$28.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$6.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$22.00} XX/XX/2018 XXXX XXXX XXXX XXXX Ca XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$9.00} I attempted to dispute this with 5/3 bank They closed the account, but then transferred these balances to my new credit card account. I had to call them three times to get a dispute started and even now I am not sure that they are investigating them. They indicated that they would look at them within the next 90 days, but that I would still have to pay interest on the purchases and that they might not issue a credit for them.
Product: Credit card

I 've had a bank of america credit card for XXXX years. This month I was charged XXXX $ interest fee on purchases, with a purchases balance of XXXX $ that ran out the XXXX percent apr on XXXX/XXXX/2016. I had been diligently paying the card off, but found out that those payments were always alloted to my promotional 0 % offer of balance transfer currently at XXXX $ that does n't expire for another year. They say they have the right to apply the payments to the oldest promotional offer, but the wierd thing about it is that they intentionally were not showing me that truth on my statements. In my statements for months now they state the XXXX promotional offers and their expiration but next to them where they say " balance subject to interest rate '' all the lines just have had XXXX. So I was never shown the balances of my promotional rates, They kept that to themselves. Basicly so I would n't notice that I was paying off my XXXX percent and piling up my now to be 20 % interest rate. This is underhanded and a direct lack of transparency that misleads the consumer. I 'm wiser now but in worse financial status that I would have been had I known, had they disclosed in their monthly statements what my balances subject to different rates were. Which seems to be the whole point of having that interest summary at the bottom of every statement. But its intentionally left undisclosed so that I do n't have enough control or choice over my relationship with the card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX XXXX$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXX account XXXX, XXXX, XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Sections 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Gemini Crypto Exchange froze my account over a month ago. Since then, I have sent multiple support messages trying to unfreeze my account or at least get some explanation as to why they did this. To date, Gemini has not responded to any of my requests for assistance or explanation. 

This account has access to my bank accounts. Not having access to it is a security risk. Gemini has no right to take away access to my property without giving me any reason or assistance as this is a breach of their fiduciary duty.
Product: Credit reporting or other personal consumer reports

Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are dates of account opening when it was opened over XXXX yrs ago. I was in the hospital here in XXXX all of XXXX. They are saying account opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXXXXXX XXXX  XXXX  ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Checking or savings account

I didn't receive the signing bonus as a result - neither the {$400.00} ( for depositing {$15000.00} within 60 days of account opening AND then maintaining {$15000.00} for 60 days after depositing {$15000.00} ) nor the {$100.00} ( Although I had made a few direct deposit within 60 days of account opening ). When I called customer service, all they said was that I am not eligible for the promotion since I didn't deposit within 30 days. 

As a consumer, I wasn't made aware that you have to deposit {$15000.00} " Within 30 days ''. If you see the screenshot, It tells you every detail about when you need to make a deposit to get {$100.00} ( i.e. within 60 days ) but to earn {$400.00} bonus, it didn't explicitly say within how many days. 

I believe as a consumer, I was deceived and would like Citi to pay me {$500.00} in total ASAP.
Product: Debt collection

I am writing to address the ongoing issue with Rent Recovery 's handling of my validation request, which was initiated on XX/XX/2024. Despite the passage of time, Rent Recovery has failed to furnish the requisite documentation as per my request. Furthermore, on XX/XX/2024, I received a contract purportedly bearing my electronic signature. However, I distinctly recall signing any contracts pertaining to this matter with a pen. The inclusion of trumped-up charges in the aforementioned contract is both absurd and inaccurate. Moreover, Rent Recovery 's communication practices have been highly inconvenient, often contacting me at inopportune times. In light of these issues, I kindly request the following information from your company : 1. Can you confirm whether your company is representing the original creditor in this matter? 
2. Could Rent Recovery furnish agreements between themselves and the original creditor? 
3. I seek clarification on the Forward Flow Agreement. 
4. Please specify the nature of the debt claimed to be owed. 
5. I request an explanation and breakdown of the calculations used to determine the amount owed. 
6. Kindly provide copies of any documents demonstrating my agreement to pay the alleged debt. 
7. If applicable, I request verification or a copy of any judgment related to this matter. 
8. Kindly identify the original creditor by providing their full name and address. 
9. I request proof that the Statute of Limitations has not expired on this account. 
10. Please provide evidence of your licensing as a collection agency in the State of North Carolina. 
11. Lastly, could you provide your Bond or Insurance information? 

Your prompt attention to this matter would be greatly appreciated.
Product: Debt collection

Credit Collection Partners in XXXX Illinois XXXX called me at my phone number on XX/XX/2018 at XXXX. They were looking for my daughter. When i told them i was her mom. they didnt read the mini miranda, they also told me entirely what her bill was for and for how much. They also told me that they would remove my phone number until i gave them a new number to get ahold of her at. Then they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I have tried multiple attempts to try and get this debt validated. I have sent multiple letters to get debt validated and no one has responded. sent letter on XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Originally sent to XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX Sent via email to XXXX. I have attached the original letter. Re : Account Number XXXX This letter is regrading the account listed above, which you claim is a collection that I have with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a formal notice that your collection claim is being disputed, per the Fair Debt Collection Practices Act. I am requesting validation not verification of said debt, I also request a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. Per the Fair Debt Collection Practices Act. Please note that I am asking " validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you send or submit. You are to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud. 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will have to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information or communication received from you, or any third party will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Sincerely, XXXX XXXX '' I have also sent letters on XX/XX/XXXX and XX/XX/XXXX I have attached these letter
Product: Credit reporting

I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of Account.