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

In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer. 
15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication. 
15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number. 
15 USC 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 antidates the report by more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX The following student loans are reporting in my closed account inaccurately and no longer exists : Loan number ending XXXX {$4500.00} Loan number ending XXXX {$6000.00} Loan number ending XXXX {$12000.00} Please remove the accounts from my XXXX and XXXX crefit reports.
Product: Credit reporting or other personal consumer reports

Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.
Product: Debt collection

They didn't seem to get the memo the first time, but we're only dealing with the original creditor. Meridian has shown NO proof that they have bought our debt from XXXX XXXX, only that they're acting on their behalf. Our last complaint was closed, but they're going to keep coming until we get the debt returned.
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 REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-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 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 from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 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: Debt collection

PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.
Product: Debt collection

A debt collection agency contacted my son regarding a supposed debt he owed our gym, XXXX. He is signed up under our family plan, has never signed a contract, I signed the contract and was less than XXXX when I signed him up. We have an email confirming the request to place his account on hold while he was away at XXXX. When I told them this, the caller told me my son 's birthdate and advised me he 's XXXX now so is responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft problem with 2 accounts on credit report from XXXX. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by Equifax. Other 2 agencies took off report but not Equifax. Now they want new police reports, etc. I am XXXX XXXX and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now XXXX is suing and they haven't provided documents either to me. I have a lawyer. I need help.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

I signed up for an American Express Card that offered XXXX dollars after you spend XXXX dollars in the first three months. I have spent way more then the required dollar amount in the first three months and never received the sign on bonus of XXXX dollars as promised. I reach out to American Express and they said I didn't qualify for this promotion. I can't believe they can change the terms after signing an agreement with me.
Product: Checking or savings account

I signed up for the a Capital One 360 Money Market account with offer code XXXX for a {$500.00} account bonus. I deposited the required amount between XX/XX/XXXX and XX/XX/XXXX. Capital One 's fine print states that they will deposit the bonus within 60 days. I have still not gotten the bonus as of XX/XX/XXXX. I called on XX/XX/XXXX and was told that I must maintain the required deposit amount as a balance. No where is that stated on the original offer yet the CSRs kept telling that is a requirement. Capital One is not honoring their sign up bonus by retroactively adding terms. Attached is the full page of original terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX since XX/XX/XXXX. They successfully removed several negative items from my credit report. Within the last 30 days XXXX XXXX XXXX has put 5 collection accounts back onto my XXXX and XXXX credit report, and 2 accounts back on XXXX that were removed. That is 12 negative collections that were removed, that were put back onto my report ... ..They changed that Account numbers, but they are identical accounts, amounts, and open dates .... Removed From on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed I know three accounts were removed from XXXX around XX/XX/XXXX, but i 'm not sure which ones as i am waiting on XXXX XXXX to send me a more detailed report then what i currently have access to. I can provide that report once I am in possession of that. XXXX XXXX added these removed accounts back onto my credit reports under different account numbers on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX This is UNETHICAL and harassment ... ..I have worked very hard to get these medical collections removed from my credit report, and I have paid a lot of money to XXXX XXXX to do so. XXXX XXXX confirmed that the origional accounts all started with 3 ... .Now the duplicate accounts all  have account numbers starting with 8 I am attaching a credit report from XXXX XXXX XXXX with the original accounts numbers starting with a 3, and a report from XXXX XXXX showing that this company created duplicates of these removed accounts with different account numbers starting with 8 .... I want XXXX XXXX aka XXXX XXXX XXXX to be investigated, and to take every step possible to shut this type of company down!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A company told us they would give us up to {$500.00} to switch to their company. Then never did and refuse to take it off our credit reporting. 
We never got a letter stating we owed any money from the company or the credit company. We found we had a negative report somewhere on XXXX company and we had to dig for it ourselves to see who it was discrediting us. 
Now we are stuck with to us is a huge bill.
Product: Credit card

Bank of America closed my credit card account in error. On XXXX/XXXX/16 I inquired about an APR reduction on my credit card account as I had excellent payment history, a long-term established relationship with an account that is twelve years old, consistently increased income and credit score over the past several years. My request was declined but I requested to speak with a supervisor for a secondary review and was promised a call back within one to two business days. On XX/XX/2016 I received a call back from a supervisor regarding the XXXX reduction and was declined a second time. During the call I discovered my current card had expired in XX/XX/XXXX so at the end of the conversation with the supervisor I requested to close the card until I could locate the new card that was mailed to me. After failing to locate the new card I logged in to my account to see if there was an option to order a card with a new number. At that time I noticed my credit availability had disappeared on the screen so I called Bank of America and was informed that I had closed my account and they were not able to issue me a new card with a new number. I attempted to resolve the issue though several managers but was told that I must go through the credit approval process ( providing updated personal information as well as a potential inquiry into my credit report ) to reopen the card. I explained to several managers this situation that occurred and that this account had been closed in error. All representatives were unwilling to help and insisted that I go through the approval process which would possibly count as an inquiry on my credit report.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me XXXX XXXX XXXX $ XXXX dispute XXXX XXXX XXXX $ XXXX $ XXXX dispute XXXX XXXX XXXX  $ XXXX dispute XXXX XXXX {$270.00} /dispute
Product: Checking or savings account

CITIZENS BANK is the institution that I want to file against. They Debt collecting team put an unauthorized lock/freeze on my checking account on XX/XX/2022. I was not able to purchase food and supplies for my XXXX XXXX XXXX XXXX children. I was told my account could not be unlocked until the next day. I was in the middle of XXXX XXXX, XXXX enjoying family time with kids and I couldn't pay for anything. I am highly upset and disappointed with this bank because they also charged me 4 separate times for over draft fees in which I talked to a gentlemen and told him that money will replenish by the XXXX of XX/XX/2022. He told me thats fine and they would not charge me anymore. 

In recap I was charged a total of about {$120.00} in over draft fees. 

Also they were in violation of the law by locking my account without my permission. Which is up to {$1000.00} fine in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CREDIT BUREAUS THAT MY DAD PASS AWAY ON XX/XX/2008, THE ESTATE XXXX. XXXX XXXX XXXX, SEE ATTCHED.. WE ARE EXECUTORS OF THIS ESTATE EFFECTIVE XX/XX/2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Debt collection

MRS BPO , LLC at XXXX XXXX XXXX, XXXX XXXX NJ XXXX has been sending me collection notices in the amount of {$460.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I've sent a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully requested that MRS BPO , LLC provide me with competent evidence that I have any legal obligation to pay them regarding the following account number ( s ) : Creditor Acct # Ending : XXXX, XXXX XXXX # : XXXX I've also attempted to request the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in Ohio has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. 

What would you like done .... 

I would like them to take this off my credit report and do not try to put it back on my credit report.
Product: Debt collection

Disputed with the company XX/XX/2018 and also submitted with cfpb about the original company and they had no validation and deleted the file. I viewed my credit report this morning and seen that another account was added back on the file with the same amount. I have contacted Equifax several times. I have spoke to different reps and supervisors I even noitified them I had sent in a ftc report. I have asked for proof that this account is mine. I have been dealing with this for since XX/XX/2018. What else can be done? I am very disappointed with them.
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as your name, account number, adaress, Social Security number, etc. We may ask for some of this intormation rater, to help the company identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 + I want the CFPB to publish this description on consumerfinance.gov G so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
Learn how it works. I consent to XXXX gilgrazlishing this description after the CFPB has taken these steps. 
Replying to XXXX XXXX will nat Add comment...
Product: Debt collection

Collection agency : Midland Credit Management , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Alleged claim of debt amount : {$1200.00} Their assigned account # : XXXX Their claim of representation : CitiBank/Sears Midland Credit Management has written to me on XXXX separate dates demanding I pay their claim of alleged debt. Each time I have replied, in writing, that XXXX validate their claim of debt and prove they are licensed/registered to collect debts in the state I live in. Each and every time I have sent my reply Midland has ignored/refused to validate their claim of alleged debt. 

In addition they have called me on numerous occasions despite being advised in writing not to call me and to handle their alleged claim in writing. I have all XXXX copies of the demand letters they have sent me and all XXXX copies of my written demand to validate their alleged claims including XXXX certified letter receipts signed by Midland associates proving they have received my demands. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I am writing to address a fraudulent items on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. 
I insist that you promptly remove all fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Barclays XXXX and Barclays Uber CC they have placed a block on both cards. I have sent the information requested and Im sending it along with this document again to no avail
Product: Debt collection

I received mail from XXXX saying a last payment was sent to a debt collector. I called XXXX to inform them that Ive never opened a phone account with them and that this is a result of identify theft. XXXX connected me to the debt collector. The debt collector said there is nothing they can do and that I have to pay the debt. Ive submitted a police report as well as submitting a compliment with XXXX XXXX insuring that this was not my debt and my identity was taken. Ive been on a XXXX  line with my aunt since XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau TransUnion, XXXX, XXXX and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .