23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection was started on a credit card account in XXXX of 2017 i was XXXX  and never received notification of the collection it just appeared on my credit report I have disputed it as well as informing them I am on a XXXX  widows pension and the account was setup with my information but I did not set it up the account was opened XXXX XXXX ( XXXX ) I was XXXX effective XX/XX/2017, i am receiving XXXX  WIDOWS SSA BENEFITS the reason for becoming XXXX  was the death of my husband and I was XXXX for 3yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased 2 concert tickets from my XXXX XXXX using paypal. I then went on XXXX when i became suspicious of the tickets and found the same seats I purchased still for sale on XXXX. I filed a dispute with paypal and my bank and even though I provided proof that the tickets are fake i was declined both times.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Payday loan, title loan, personal loan, or advance loan

We have got a loan from BHG on XX/XX/XXXX. 
I had spoken to both XXXX XXXX and XXXX XXXX XXXX XXXX about returning the borrowed loan back after some days of receiving the funds. 
It was to no availed and I was told due to part of the agreement I may not have access to returned it back, the loan has an UCC-1 affiliation to it ; thus I have contacted both of them about processing my commercial vehicle equipment ( XXXX XXXX XXXX XXXX as a ransom for the remaining unpaid amounts. I have not heard from them ever since then after I have presented that option to them. 
Our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hence I couldn't come up with due balances and our company haven't recovered yet from those financial situations. 

We have just got served earlier by an agent of the XXXX XXXX XXXX, we had found a Civil Lawsuit was filed against on BHG behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) We still have the commercial vehicle at our disposal awaiting them for it use it as a collateral asset for their loan and unpaid balances.
Product: Debt collection

This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX score 51 points for no other apparent reason other than them putting a remark on the XXXX account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Product: Checking or savings account

ear Sir/Madam, My name is XXXX XXXX XXXX XXXX I am Citizens customer. 
I am writing this email to complain about the Citizens bank to reject my claim of {$500.00} bonus that I believe I am entitled to. 
Citizens bank posted promotion on ( XX/XX/year> - XX/XX/year> ). Please check out the flyer copy in attachment. According to their promotion if customer opened a saving account and deposited {$10000.00} and keep it for XXXX consecutive months, they will get {$500.00} bonus. 

On XX/XX/year>, I went to XXXX XXXX XXXX XXXXXXXX, MA XXXX and XXXX of the branch XXXX introduced me to the promotion program and helped me opened a new saving account ( last XXXX account number XXXX ) and I deposited {$10.00}, XXXX in it. Since then the money has been kept in the account and it has been morn than XXXX consecutive months. 

But after the XXXX months, Citizens bank refused to pay me the {$500.00} bonus and they claim that I did not opened the checking account at same time which is not mentioned on the flyer and the branch XXXX as well. 

I have called their customer service ( XXXX ) multiple times and went to the branch at XXXX XXXX XXXX XXXX XXXX XXXX as well. The branch XXXX still believe that I am entitled to the bonus and the branch XXXX XXXX also opened a case number : M-F XXXX for this. 

But the Citizens bank 's customer service still rejected my claim. 

I think the Citizens bank is cheating costume. 

Please help me to get this issue resolved. 

Thank you very much for your time. I can be reached at XXXX if there is any question. 

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

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NATIONAL CREDIT ADJUST XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX   {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian, XXXX and XXXX didnt remove late payments need to remove Late payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( 15 US 1666b ) Im showing proof each payments was made on time
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your assistance in addressing a critical issue regarding inaccurate information on my credit report provided by TransUnion, a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX681e and 1681i of Title 15 of the United States Code ( 15 U.S.C. 1681e, 1681i ). 

TransUnion has furnished incorrect and misleading information regarding XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, on my consumer credit report. This erroneous information is damaging to my creditworthiness and financial reputation, thus contravening my rights under the FCRA. 

As per the provisions outlined in the FCRA, credit reporting agencies are mandated to promptly remove inaccurate information from consumer credit reports upon notification of such inaccuracies. Therefore, I respectfully request that you intervene and instruct TransUnion to remove the inaccurate information pertaining to XXXX XXXX from my credit report immediately, in accordance with the guidelines set forth in sections 1681e and 1681i of Title 15 of the United States Code. 

Your prompt attention to this matter is greatly appreciated. 

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

XXXX XXXX XXXX  Account number XXXX This account is not mine. its been removed a few rimes and keeps coming back to my credit report. I need it removed please it is not mine
Product: Credit reporting or other personal consumer reports

I'm concerned about tan unfamiliar inquiry on my credit report to which I also did not applied to. I didn't authorize nor consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention the accounts on my credit report that are inaccurately marked as having a collection/charge-off status. This is in spite of my consistent track record as a responsible and long-standing customer with a history of making on-time payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

My husband XXXX XXXX XXXX and I received a deposit into our joint TD savings account. We want to identify the issuer of funds received and whether the issuer had authority to make the XXXX XXXX income tax refund deposit on behalf of the US Treasury. Question 1 : Was this deposit made by Wells Fargo Bank on behalf of the US Treasury? Date : XX/XX/XXXX Amount : {$4500.00} Company Name : IRS XXXX XXXX Company ID : XXXX Customer Name : XXXX, XXXXXXXX XXXX XXXX  Customer ID : XXXX Trace : XXXX Bank of Origination Name : US TREASURY XXXX  XXXX XXXX XXXX XXXX : XXXX Question XXXX : Who is " XXXX ''? Question XXXX : Who is " DE ''? Question XXXX. Identify IRS XXXX XXXX Company ID : XXXX name and XXXX? Question XXXX : What happened to our XXXX income tax refund now past due for over eight months? We were expecting {$5000.00} now due with interest.
Product: Debt collection

They take people informations from hospitals, create a fake doctor office name called XXXX XXXX XXXX  the number to this place is XXXX. They made a fake patient account with your information and mail fake letters to your house saying they owe money for their visit. Which they did to me. If you dont pay the money they send it to their fake debt collectors, these two scammers work together as a business. The number to the fake debt collectors is XXXX and they call themselves Credence resource management. They force you to pay off the fake medical bill and say you are in debt for not paying the bill. And try to offer you a fake payment plan to pay pay off the fake bill.
Product: Credit card

In XXXX I fell victim to fraudulent activity on my credit cards, after my identity was stolen. My Best Buy credit card being XXXX of them. I was sent something from Best Buy saying they took all charges off and that I was not held liable. But yet on my credit report its is showing over $ XXXX as a charge off bad debt. This is NOT FAIR
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX  ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX , ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # : XXXX,
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Since XXXX XXXX I am a Medicaid recipient and this benefit has never stop. This company is trying to collect a debt that I do not owe because Medicaid pays all the bills that we owe. The situation and my concern is that XXXX members of my family have been contacted by this agency and XXXX of them paid more than XXXX XXXX dollars for a debt from XX/XX/XXXX when he was a child. Also my uncle who is medicaid recipient too, is being harassed by them trying to collect a suppose debt.
Product: Checking or savings account

When I set up my account at SoFi money, there was a promotion to receive 5 % back on purchases made with the SoFi debit card within the first 60 days. 

I made a purchase on XX/XX/XXXX for {$1000.00} using my SoFi debit card. 

However, I don't see the 5 % back. When I contacted the bank, I was told the promotion was changed after I signed up for the account. 

This is a gross violation of the terms under which I opened the account.
Product: Payday loan, title loan, personal loan, or advance loan

I have had Grain a few years now. First, it started as changing my limit to the amount owed, XXXX XXXX and claiming it was done by the provider and not reversible. Okay. This was after I believe 2 late fee charges were given. Mind you, this account is and has been on auto pay since I joined in XX/XX/2021. Since then, I have been trying to get a response as to why I am charged late fees when their system fails to initiate the payments. No response to anything ; emails or XXXX messenger. I was just recently charged a late fee and emeailed over a week ago asking why and demanding all late fees be corrected. No response still. Their reviews are horrible and many seems to think they are scamming us. Their yearly fees are outrageous too. I can provide screenshots if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter 13 bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
My accounts that are inaccurate are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX