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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and UPLIFTINC XXXX Date Opened : XX/XX/2021 Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXX incorrect balance - always pay to a XXXX balance. XXXX, equifax and XXXX are inaccurately report the accounts.
Product: Credit card

I have a XXXX XXXX XXXX card with card number XXXX associatedwith my XXXX XXXX XXXX XXXX account # XXXX. By the XXXX, XXXX monthlystatement, I have earned total XXXX XXXX XXXX. However, the XXXX XXXX, which is financed by Synchrony Bank, refuses to transfer my earned XXXX to my XXXXXXXX XXXX account # XXXX. I have been contacted the credit card company by phone calls and by Messages for a number of times and asked them totransfer my earned XXXX XXXX to my XXXXXXXX XXXX account. Upon to today, my XXXXXXXX XXXXaccount # XXXX still shows XXXX XXXX XXXX! As shown by attached my XXXX XXXX records, XXXX XXXX XXXXXXXX XXXX  has never credited my earned XXXX XXXX miles to my XXXX XXXX account XXXX 

The XXXX XXXX XXXX XXXX said : " Rewards miles totaling XXXX have been transferred to the member number previously listed on your account ending in XXXX. '' However, the account ending in XXXX is not my account. My XXXX XXXX account is ending with XXXX! I have been asking them to correct their mistake and to transfer my earned XXXX to my account # XXXX. As up to today, XX/XX/year>, they still have not credited my earned miles to my account!
Product: Credit reporting or other personal consumer reports

Im the victim of identity theft and I dont recognize this account on my report. I have included a copy of my FTC identity theft report # XXXX describing the identity theft as well as police report XXXX.
Product: Debt collection

Medicredit keeps calling and sending bill for a hospital bill on XXXX XXXX XXXX XXXX XXXX. He is an adult and I am not Financially responsible for his bills. In fact he does not live here due to him being in XXXX. We have inform them of this numerous and they still harass me, Not only harass me but told me medical info on son which is a violation of HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency Equifax continues to violate my consumer rights by reporting false and inaccurate information. I have disputed these items multiple times. Also I never gave them written instructions to furnish this information which I a clear violation of 15 USC 1681b ( 2 ).
Product: Credit reporting or other personal consumer reports

All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX 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. 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: Checking or savings account

I opened an account with Marcus on XX/XX/23 the promo was earn a XXXX bonus after funding account with at least XXXX from an external account. I funded the account on XX/XX/23. I reached out to find out when i would receive the XXXX bonus, was told it takes 15 calendar days. I reached out again today and was told that the XXXX bonus would not be added until the account maintained open and funded for 90 days. 

This seems deceptive, i understand that if i took the money out before the 90 days I would not be entitled to the XXXX bonus, but i was under the impression that the XXXX could be added after 15 calendar days and I would be earning interest on that. 

I contacted the chat option on the website, and that was explained to me after I suggested that I contact your organization. 

I know contacting your organization is not going to get my XXXX bonus any sooner, but I feel that it was not spelled out explicitly of how and when the bonus would actually be realized.
Product: Credit reporting or other personal consumer reports

There some collection accounts that are being reported on my consumer reports that I had no prior knowledge of. These agencies did not give me any notification and decided to report this alleged information on my consumer reports without verifying the debt with me, the consumer first. This violates both the FDCPA and the FCRA. Pursuant to section 809 ( c ) of the FDCPA, failure to dispute the validity of the debt can not be construed as admission of liability. I demand that these accounts are deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. XXXX is showing past due please correct and repair the damage to my profiles. 

Time XXXX XXXX
Product: Mortgage

Current loan servicing provider TMS INC XXXX XXXX XXXX XXXX, TX XXXX XXXX. Called TMS ON XX/XX/27 to find out why my online balance was XXXX. They advised me my loan was sold XXXX to another service provider but refused to give me any info on who new service provider is. I ask to speak w supervisor was disconnected. Called TMS BACK spoke to XXXX who gave me XXXX XXXX as new service provider XXXX. Same day XX/XX/27 called XXXX XXXX. They hv NO record of my loan ever, spoke to two people who advised me to call TMS BACK. TMS is not resolving this issues and as of now XXXX I do not know who is servicing my loan. Need help to resolve. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inaccurate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit specialist looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 


credit acceptance {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  {$710.00} XX/XX/XXXX XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I logged in online to send a payment via chase website through XXXX. I attempted to send funds to someone that has had transactions with me before. Chase immediately felt it was suspicious activity, so they text and called me to verify and I regained access. I tried again to do the transaction, and they decided to not allow me access online, and block my whole account. Upon calling, they expected me to go to a branch with 2 forms of ID. I just gave birth, but went anyway. Even after giving the ID 's I'm still blocked! I can't log in or get any access whatsoever into my account. The bank is holding my funds hostage with no idea when they will release my money!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 1681b, a company must have my explicit written consent to pull my credit report for non-promotional purposes. Since I did not grant permission, this inquiry is fraudulent and must be removed immediately. 
I request that you investigate this matter and delete the unauthorized inquiry from my credit file. Enclosed are copies of my identification and a copy of my credit report with the disputed inquiry highlighted. 
Please provide me with written confirmation of the results of your investigation at your earliest convenience. If this inquiry is not removed, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Debt collection

A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.
Product: Credit reporting or other personal consumer reports

XXXXroCollect has been attempting to collect on an account that I do not owe, and has also been reporting such collection account on my personal credit report. This has only come to my attention ( following a conversation with them last year ) after attempting to secure new housing with another apartment complex and being denied due to the errant credit report.
Product: Credit card

I made a cashapp transaction dispute because there was a unauthorized cashout transaction and I made the dispute the same day the agent replied saying we provided you with a permanent provisional credit to my cashapp account XXXX  XXXX and when I clicked approve it said it was cancelled because of my protection and the claim was ended I couldnt reach her again to resend it to me the payment Im very disappointed and need the money resent to my account or added because the agent confimered it should be on my account and there was an issue adding it Im the parent of the account and this is very confusing and need this issue resolved and need my funds back
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

1. XXXX FED XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3. XXXX FED XXXX - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 1. XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

There is a medical debt in my credit report. I received a phone call from a collector ( paramount ) several months ago. I asked what the debt was in reference told. I was told it was in reference to a XXXX center in XXXX, Tx and was given a date a couple of years prior in the month of XX/XX/XXXX. I was told it was an anesthesia debt. 
I did not have any procedure at that office that would involve anesthesia. I immediately called the XXXX XXXX in XXXX Tx ( XXXX XXXX, who is my XXXX ) to check for any outstanding debts. I spoke with a billing clerk who located the last date I visited. It was confirmed that no outstanding balance that was owed. 
Paramount called back a few days later and I informed them of the information above. I did not hear anything further from them. I noticed my credit score drop, checked and found that this debt was on my report. 
It is not a valid debt, it is not a procedure that I had, furthermore, the office confirmed I did not owe, nor had they submitted any debt owed to them.
Product: Mortgage

When I bought my house in XXXX, I got 2 mortgages. One was a conventional primary and I do not have any problem with it. The problem arouse from Specialized Loan Servicing LLC. Originally I got second mortgage from XXXX. In XX/XX/XXXX they charged off my second mortgage. But from the beginning of XXXX I started receiving letters from Specialized Loan Servicing LLC where they claimed I owe them money. I told them XXXX written off my second mortgage and it was reflected in my credit history but still they said NO, they bought my debt and I owe them money now. I asked them to send me proof which they refusing. After they keep on sending me bills. A few times I offered them some amounts of what I was able to at the time in hope of settling my account to which they always refused and the interest kept on increasing ridiculously. I could not afford to pay them by what I found strange is that my credit history was not affected, I did not see any late payments, any collection of second mortgage amount show up anywhere on my credit. In XX/XX/XXXX XXXX send me 1099-C form with amount of {$68000.00} ( interest only ), Box 6 - G ( which in description states they got agreement from my part, WHICH THEY DO NOT HAVE ). When I called them to ask whether the whole amount of mortgage with interest was written off they said - NO. They want a full payment of mortgage which in fact was less then the interest they accrued! Also, I asked them to send me any paperwork they said - Oh, you should have it already. But I did not received anything. I tired calling numerous number provided by them to ask for paperwork- no luck. 
Again I checked my credit history and there was not any debt collector SLS there. I guess they are trying to get money using scam method. Please help me to resolve this situation because they are not communicating with me except requesting money. 

Thank You.
Product: Debt collection

i asked for there surety bond they did not send me this info my debt was sold with out my consent 15 usc 1681 fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation in to the reporting of my credit on XX/XX/2022. I requested that Transunion look in to my credit report and fix the inaccurate reporting that I listed. On XX/XX/2022 I sent out a follow up letter demanding the company comply with the initial letter I sent out. After thirty ( 30 ) days of not receiving any feedback from the company, I began to contact the Consumer Financial Protection Bureau ( CFPB ). I never received a response from the company until the CFPB was involved. Which was nore than 30 days after i sent my initial letter. Please note that " you have 30 days to complete an investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without influence or without third party so do not ignore my complaint, please see attached documents. I have information on my consumer report that does not come from me. I have nothing to do with the information and do not know where it has come from. I have attached my ID Theft report, attached social security card, proof of address, and my Drivers license. 
You have 4 days to remove the information by law
Product: Credit reporting or other personal consumer reports

Equifax is reporting a PAID collection that has been paid for several years and that was removed from my credit until this week.
Product: Credit reporting or other personal consumer reports

Download my letter of multiple inaccuracies on my credit report. I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit report, thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist CCS COLLECTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX - original creditor XXXXXXXX XXXX XXXX XXXX within 30 days from receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account since 2012 to store my bitcoins in. I have my verified email and correct password, but since i have not accessed my account since then, I am unable to log in to manage my funds. This is because i had a different cell phone number then and it is used to verify myself when logging in with a text message. There is supposed to be a method to have the company Coinbase change my phone number, but they are completely unresponsive to my attempts to do this. I verified my identity when I created my coinbase, and this should be a very simple process to update my phone number and be able to log in. It has now been over 6 months of me trying to contact the company to access my account.