23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX  I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing the current debt collector, MIDLAND CREDIT MANAGEMENT, for conducting a soft pull of my credit report without my knowledge, consent, or permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I noticed that MIDLAND CREDIT MANAGEMENT had accessed my credit report. I did not authorize this inquiry, nor do I have any existing relationship with this company that would warrant such an action. As per the FCRA, Section 604, creditors and debt collectors must have a legitimate and permissible purpose to access a consumers credit report, such as my written consent or a legally justified need. I am requesting : A detailed explanation of the reason for the credit inquiry. 
Proof of any permissible purpose, as defined under the FCRA, for accessing my credit report. 
Documentation of any authorization or consent I may have provided, allowing MIDLAND CREDIT MANAGEMENT to access my credit report. 
If MIDLAND CREDIT MANAGEMENT can not provide such documentation, I request that all unauthorized inquiries be removed from my credit report immediately, as they negatively affect my credit score and my financial standing. 

I also kindly request that the CFPB investigate this matter to ensure that my rights as a consumer are upheld. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

Issue : Missing {$600.00} us bank merchant services account sign-up bonus. 

Earlier this year back in XX/XX/2023, I had applied for a US Bank Business checking account AND a US bank Merchant Services Account. 
At the time of opening these account, the business checking account offered a bonus of {$500.00} and the merchant services account offered a bonus of {$600.00}. As per the terms, both bonuses can be clubbed to make a total of {$1100.00} in bonuses. 

8 months later and after having met all the requirements I have still not received the {$600.00} merchant services bonus ( I have received the {$500.00} business checking bonus ). I must mention that I have kept the account open all these months and have also been charged {$5.00} for the payment processing device. 

What I have done to fix this issue : - Contacted US Bank via phone : I have tried contacting us bank more than twice to resolve this issue. Even called XXXX ( Result : Both times, the representatives only transferred me to various other departments but none were able to help me get the {$600.00} bonus even though I have met all the requirements for the bonus. 

- Contacted a Client Account Manager at US bank via email. This is same account manager that had reached out to me for additional information at the time of account opening. 

Result : No response After having tried everything in my power to get this bonus and having still not received it, I am forced to file this complaint in hopes of finally getting what I was promised at the time of account opening. 

Bonus requirements as per the terms : Requirement # XXXX ( Status : Met the requirement ) : You must open a new U.S. Bank Business Checking account and meet the above requirements plus open a new U.S. Bank Payment Solutions MerchanXXXX account by XX/XX/2023 : Met this requirement, opened a Silver Business Checking on XX/XX/2023 and applied for a Merchant services account before XX/XX/XXXX. ) Requirement # 2 ( Status : Met the requirement ) : Accept and settle a transaction into your new U.S. Bank Business Checking account within 60 days. : Met this requirement, Accepted and settled a transaction in first week of XXXX ( XX/XX/2023 ) which is well within the timeframe. 

Requirement # 3 ( Status : Met the requirement ) : Not have an existing merchant services relationship with US Bank : Met this requirement as I was a new customer Note : I have submitted my merchant account number along with this complaint Attachments : - Screenshot of the offer and the terms - Proof of application submission - Proof of application approval - Proof of one payment processed for {$0.00} which should help meet the requirements of the bonus - Proof of me being charged {$5.00} for the payment processing device each month - Proof of email sent to client account manager along with date All these files have been added to a zip file which has been attached to my complaint.
Product: Debt collection

Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : XXXX. XXXX XXXX XXXX # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. XXXX. XXXX XXXX XXXX # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.
Product: Debt collection

Resurgent Capital Services in South Carolina falsified a court processing document of service in order to keep me in the dark about a court filing in an attempt to gain a financial judgement. Resurgent obtained the judgement through false means and the court has taken action regarding this matter. They claim they served my wife when I was not married. This is a criminal offense. The South Carolina attorney general has also recieved our complaint. We have also reached out to Creditors that Resurgent Capital Services collects for, and notified them of this company using illegal collection activity for its financial gain
Product: Consumer Loan

I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. Thank you.
Product: Student loan

I am enrolled in a IBR Student Loan Repayment plan for my student loans. Part of my loans are being serviced Navient. Navient continues to send me correspondence every month for years that I owe {$60.00} per month when I do not. Under my current IBR plan and income, I pay {$0.00}. My other loan servicer ( XXXX ) does not send me statements saying that I owe them money each month. 

Not only does Navient continue to send me statements, they never seem to " receive '' my IBR Loan Certification every year. I received an email today that I need to re-certify or my payment plan will change in XXXX. I re-certified through student loans.gov back in XXXX. I believe Navient is engaged in deceptive practices in which they are trying to solicit payment that is not due and also cause confusion to get borrowers to mess up their IBR repayment plans. This has happened in the past and they claim I have no submitted the proper documents. They are wrong because XXXX has received everything I've submitted through studentloans.gov If you do not choose the correct option when re-certifying, you can get kicked off the plan and then you owe money. I have not had issues like these with my other loan servicer. They also do not have an option to send an email so I can have record of my attempts to contact customer service.
Product: Money transfer, virtual currency, or money service

I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to XXXX. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX has said they aren't responsible to protect users against fraud. XXXX should have fraud protection in place if they are promoting this as a bank backed app.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, XXXX, and Equifax. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all XXXX  bureaus have different information and it be verified at the same time? This is not accurate. Additionally, Equifax, XXXX, and XXXX has reported differently. For instance there Updates are not reported the same as they should. Equifax has charge off, XXXX has charge off as bad debt, XXXX has unpaid paid balance reported as a loss by creditor grantor. Closed Date ; Equifax has none, XXXX has XX/XX/2021, XXXX has none. Balances : is reported wrong Equifax has none, XXXX has {$320.00}, XXXX has no balance. I want this deleted from all XXXX  credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name # XXXX XXXX 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know whether this kind of complaint is appropriate here ; it seems to come under the false-advertising category. Equifax advertises, and has sent me emails regarding, a service called " myEquifax '' that is supposed to make it more convenient to get credit reports, lift security freezes, etc. But there is no way to use the service ; I've been trying for months to login to the service, with multiple calls to their customer service, with no success. I realize that I can get the annual report via XXXX, and accomplish other actions via phone calls, but I don't feel Equifax should promote a product that doesn't work ; this results in a waste of valuable time.
Product: Debt collection

Bursey & Associates acted as a debt collector for XXXX XXXX. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section XXXX ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 XXXX. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX My parent has the same name as me. 

XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX XXXX XXXX XXXX  I don't recall having late payment on this account XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Please remove from my public record XXXX XXXX XXXX XXXX Please remove from my public record XXXX XXXX XXXX XXXX XXXX This is not mine. 

XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove it from my credit report. 

XXXX XXXX XXXX XXXX My parent has the same name as me. 

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

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$510.00}.
Product: Vehicle loan or lease

XXXX due paid XXXX XX/XX/XXXX. I have requested written commination only. Emails have been unresponsive for almost 2 months. I have received email responses from the email address used in the past. CA XXXX still shows a lien on the title. I have received a bill for {$0.00} due and a balance of {$0.00} on XXXX XX/XX/XXXX. I have received no resolution directions or any response at all.
Product: Credit card or prepaid card

This company without warning will cut your credit limit, even if you have never missed a payment. I had to have it raised again last year, and they just did it again. Everytime they do this is hurts my credit. The customer service agents are rude. The make it very difficult to make a payment on the card. This company is horrible.
Product: Credit card or prepaid card

I have been billed twice again {$1500.00} by my credit card issue r Sams Club MasterCard -Synchrony Bank for a charge which already was in  dispute on  XXXX   XXXX , and which I had already filed a claim with Synchrony bank and they made a credit adjustment posted on  XXXX / XXXX /  XXXX   The retailer  XXXX   billed  again on  XXXX   XXXX  and AGAIN for the same charge on  XXXX   XXXX   XXXX .  XXXX . I now have had to freeze my card and  Synchrony and MasterCard have not been helpful. Sychrony only want to put the in the dispute category again for another 60-90 days which is again st the fair credit reporting act. I have a great credit history and do not want to deal with his hassle or have my credit impacted in any way.
Product: Mortgage

I tried make payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
The money was withdrawn from my account by the bank, and still they marked my report 30 days late. I was NOT late.
Product: Debt collection

I contacted experian and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.
Product: Credit reporting or other personal consumer reports

Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and the information thats on my credit. report is incorrect.
Product: Checking or savings account

On XX/XX/XXXX i deposited a check from my XXXXXXXX XXXX XXXX into my bank of America checking account ending in XXXX. The check was in the amount of XXXX. The check ended up being declined because apparently someone called me for a security check and I never answered. The check being declined is not a big deal. My problem is that bank of america placed the XXXX dollars i had in my other account on an overdraft hold because apparently the check cleared and was immediately placed on hold. This is absolutely ridiculous and extremely annoying because my account that had XXXX removed from is now at XXXX balance and the other one that the check was deposited into still has funds. This is not the first or send time i have problems with bank of America. Why the need to take funds from my other account if the account that the check was deposited in still had funds left over?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, Bill and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which is only 2 required by the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

After constant failed attempts at informing each bureau and reporter, the items listed on this XXXX XXXX  report with the XXXX  shall be removed IMMEDIATELY! 

ALL INQUIRIES SHALL BE REMOVED IMMEDIATELY ALL NON-MAILABLE ADDRESSES SHALL BE REMOVED IMMEDIATELY! 

THE COMPENSATION IN WICH I SHOULD HAVE BEEN PROVIDED WHILE PAYING FOR THE XXXX XXXX  SERVICES, ONES OF WHICH WERE IGNORED SHALL BE FURNISHED IMMEDIATELY ~Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from XXXX XXXX unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to XXXX XXXX, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from XXXX XXXX, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).