23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am XXXX XXXX military, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the SCRA benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. 

4.2 Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 

Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. 

A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT : 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 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 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 

I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and Experian. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
Product: Debt collection

Hi, I would like to file a complaint against XXXX XXXX  and Collection Bureau of America.

COLLECTION BUREAU OF AME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX  ) XXXX On XX/XX/XXXX, I checked my credit report and see that my credit score has gone down and there is a collection on file from Collection Bureau of America. I saw that the original creditor was XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX ( 5 yrs, 3 mos ). The balance is {$380.00}.

I called XXXX XXXX at XXXX on XX/XX/XXXX @ XXXX to find out what happened. I was told my account was in collection and I need to call XXXX. I called XXXX on XX/XX/XXXX @ XXXX. I inquired for the status of account. The rep informed me the account has been in collection. I told the rep I know because I know it on my credit report. I asked the rep for more information on my account. She stated the last payment I made was on XX/XX/XXXX for the amount of {$100.00}. I informed the rep I was not aware of any outstanding balance. We did not use the XXXX XXXX that long to owe {$380.00}. I asked the rep for a copy of the bill. I asked the rep to email it to my personal email address. I spelled my name out letter by letter. The rep said I should receive it shortly.

Today is XX/XX/XXXX. I have not receive a single email regarding my account or balance. To date, I have not received any written notice of my balance from XXXX XXXX or from COLLECTION BUREAU OF AMERICA. I have not been given the option to dispute my account. I was not aware of my account going in collection until I checked my credit report!

We stopped using XXXX XXXX years ago. It is unfair to find out my account is in collection through my credit report. XXXX XXXXXXXX did not notify me of the balance nor the warning my account will go to collection.

COLLECTION BUREAU OF AMERICA did not provide any written notices via mail of my account or my dispute rights. It is unfair to put my account in collection. It is unfair for me to find out through my credit report. It is unfair for me to reach out to the company for the bill and still not receive it.

This practice is unprofessional and unethical. I asked that my account be removed from the my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ran an excessive when applying for auto after being told just one company would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX. I attempted to open an account with this agency and was denied so. I went back to this company to present my credentials again and waited XXXX hours, before I left the property angrily. I feel as though Ive been discriminated against.
Product: Credit reporting

The United States Postal Service utilizes Equifax to verify the identity of people wishing to use enhanced features of their website. I have been presented with XXXX different questions to verify my identity and each time, the verification fails. The questions asked provide XXXX different answers and then a final " my answer is not shown/not applicable ''. For each question asked, the correct answer IS XXXX of the choices provided. The USPS has told me that this is a service provided by Equifax. Equifax disputes this and wants to send more documents to verify my identity and has been unable and unwilling to address what can be done to correct the situation so that I may verify my account with the USPS. Also, while on the phone with the representatives of Equifax , they repeatedly have asked me to get a copy of my credit report even though I received one this morning. And they do not show any record of that. They 've told me that they do not have my PO Box on file, however that is the address used to obtain the report this morning.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX XXXX on XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account Without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( 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

The following accounts has caused me financial ruin. Iam  disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. 

REMOVE XXXX XXXX XXXX XXXX IMMEDIATELY
Product: Credit card

I was attempting to dispute a charge I made with a company that did not produce an invoice when requested multiple times. Consistent with the TOS, I disputed the charge as too high, but not the full amount. Upon reading the terms, I was entitled to a full refund. 
The disputed charge was {$1200.00} on XX/XX/23 with my Apple Card. The company promised to provide me with an invoice. After months of trying to get XXXX from them, I gave up and requested a dispute. 
I have been trying to explain to XXXX XXXX that the full amount is in dispute. It's been months going back and forth so I could really use your help
Product: Debt collection

I received no written notice on the debt owed from the company. I received two robo voicemails : one on XX/XX/21 from XXXX XXXX IL, XXXX on XX/XX/21 from XXXX XXXX, FL. From there, the calls were then blocked automatically for appearing to be fraudulent. Calls were made from numerous different locations, and without any written notice given, this seemed to be a scam. Then, still with no written notice, and no further contact, Americollect issued a derogatory mark on my credit. No actual information was given to pay this debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a complaint against XXXX XXXX and XXXX XXXX XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to XXXX XXXX XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor XXXX XXXX XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( XXXX, XXXX, and Equifax ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

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

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX
Product: Bank account or service

My father passed away on XXXX/XXXX/2016 and I 'm the sole beneficiary of his estate, according to his will. He had number of contracts business in XXXX, Virginia with XXXX, ( XXXX XXXX XXXX. XXXX XXXX XXXX ) that were registered with State Corporation Commission ( SCC ) in XXXX, Virginia. He had filed his taxes for the registered business for the last 10+ years as a sole proprietor. For the said businesses he had opened bank accounts with one of his employee as a signatory. 
Upon his passing, with the help of the bank manager, his employee removed his name from the business accounts and declear them as hers by presenting false documentations, if any. 
I and the Executor of the will have tried over the last 6+ months to get the bank to cooperate with us and grant us access to the account so we can pay his final expenses and his taxes etc,. We have provided the bank with all necessary legal documentation needed to honor the request, but in vain. 
The bank continue to give the employee ( XXXX XXXX ) access and honor deposits and withrawl under a forged signature. The employee who claim this to be her business or account, She has never registered this business in XXXX county or with the State of Virginia or has paid / filed business taxes for this business. 
She has lied to the SCC and has produced false documentation, her being a survived spouse. 
I ask you to help me get access to what is mine by law. Below are the info about the bank and accounts. 
BB & T XXXX XXXX Account XXXX XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX. 

Thanks
Product: Debt collection

Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and XXXX is not following the law by not providing proper proof to consumers in which they wish to collect from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill 's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information hycite service I returned all their equipment and their still charging me. 
Hycite service Come financial XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX  XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my report
Product: Checking or savings account

On XX/XX/XXXX someone fraudulently used my debit card number to pay for an XXXX ( {$95.00} ). I never use my debit card for online purchases ( only ATM withdrawals and account transfers ) and know I've kept it secure and that no one else has had access to it. My XXXX account shows no record of this charge. So I disputed it and filed a claim with Bank of America but they rejected it saying it must have been someone who has permission to use the card when that isn't true. I spoke with multiple customer representatives who said they couldn't provide any other info about the fraudulent charge. So I gave up and just got a new debit card. Then someone fraudulently used my new card number to pay for more XXXX  on XX/XX/XXXX ( {$540.00} ) and XX/XX/XXXX ( {$490.00} ). I disputed again with Bank of America but they rejected saying the same things. So I disputed with XXXX who have refunded the {$490.00}, but not for the previous XXXX charges totaling {$640.00}. They said they can't give any info about who used my debit card without a formal request from a government agency, so I tried to file a police report with the XXXX. But the XXXX said they need an affidavit from Bank of America so I've asked them for it but they've said they can't provide XXXX. There needs to be a way for the authorities to get the details of who made those XXXX purchases to determine if they were someone who had permission to use my debit card or not. I know for sure that these charges were not made using my debit card and I've lost {$640.00} in my Bank of America account so far through someone fraudulently accessing my debit card info online.