23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI Comenity Bank ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX XXXX in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with Experian to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent collections on my credit report that I did not authorize or have any knowldege of. They are also reporting addresses that does not belong to me. I work in finance and up for a promotion. Part of the promotion criteria is having a good credit score. The reporting of these fraudulent medical collection bills will hinder my elgibility!
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from American Express stating the following : " '' We are writing to let you know that, unfortunately, you are not eligible to receive the Welcome Bonus for the Platinum Delta SkyMiles Credit Card from American Express. 

Activity on your account indicates an effort to reach the Welcome Bonus spend requirement in a manner that is not consistent with the terms of your Cardmember Agreement. 

Please recall that the " How Your Reward Program Works '' section of the Cardmember Agreement states : " If you violate or abuse this reward program, you may forfeit some or all of your miles. '' For your convenience, you can review your Cardmember Agreement anytime by logging in at americanexpress.com, and selecting " Account Services '' then " Card Management '' from the menu. If you have any questions, you can chat live with a Customer Care Professional once you 've logged in. 

Thank you for your Card Membership. 

Sincerely, American Express Account Services '' '' When calling American Express customer service to inquire ( XX/XX/XXXX ), they told me I would no longer be eligible for the sign-up bonus because my cancellation of a purchased flight was deemed an attempt by me to meet a minimum spend threshold to achieve said bonus. I asked if I am not allowed to cancel or return items, ( a big perk in my mind for using a credit card ) and was told because of the large amount ( {$1200.00}, 2 round trick tickets on XXXX XX/XX/XXXX ) and subsequent cancellation, they deemed it fraudulent. To me and most people out there, it is fairly obvious charge-backs or credits should n't count towards the minimum spend. When I ask if I may still meet the minimum spend as I still had over a month left to hit the mark, they told me I would no longer be eligible because of the " fraudulent '' activity. I do not believe I broke their Cardmember Agreement Terms. " Violating or abusing '' to them has been me cancelling a charge which seems outlandish. With nowhere else to turn, I 'm hoping the CFPB can help resolve this issue.
Product: Money transfer, virtual currency, or money service

BAM XXXX XXXX XXXX or XXXX XXXX  will not allow me to withdrawal my assets from my account. I am locked out of trading, ( buying and selling assets ) and even just being able to access my funds. I have submitted numerous tickets to the company with no reply. On XX/XX/2021 I submitted complaint ticket # XXXX. 
Also on XX/XX/2021 I made test USD deposit of {$620.00} which there is proof of deposit and amount left after the deposit was less - {$100.00} I really would just like withdrawal access of my funds. I have done nothing wrong. 
As of today XX/XX/2021 my account standing is {$25000.00} that I have absolutely no access to. Thank you for all your help and support!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Following 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.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 XXXX  years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Inquiry date : XX/XX/2023.
Product: Debt collection

I contacted the office of the Inspector General and AAFES responded in writing that there is a negotiated settlement. The letter also stated that if I didn't agree with the settlement I could provide a counter offer.

After weeks of attempting, addressing the IG again and contacting the collection agency, I was told they have a policy of not negotiating settlements between XX/XX/XXXX - XX/XX/XXXX. This blocked period of time is when they hunt down any federal income they can snatch. 

I believe this is an absolute abuse of power. This is a private bank exploiting service members for profit. They do not adhere to fair lending practices beacuae they are granted UNCONSTITUTIONAL collection capabilities.
Product: Debt collection

ARS Account Resolution, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Three unauthorized credit inquiries for medical bills in the amount of {$340.00}, {$290.00}, and {$970.00}. XXXX XXXX. XXXX XXXX is using my social security number to advance funding and conceal fraud with my medical bill from my XXXX on XXXX, mortgage and income tax fraud with XXXX for property address XXXX XXXX XXXX, XXXX, VA XXXX, knowledge of IRS Valuation XXXX forms that were sent to the IRS, check fraud payments with XXXX that has resulted in a {$170.00} million class action suit revenue that is due from the IRS, fraud of phone bills payment with XXXX XXXX, and forgery and fraud with XXXX and XXXX XXXX XXXX, and knowledge of XXXX letter that was sent on XX/XX/XXXX, fraud with XXXX, and release of information from the City of XXXX XXXX XXXX Department. I am imposing a {$560000.00} denied participation fee for this entity. XXXX XXXX XXXX
Product: Credit card or prepaid card

bank America refuses to correct a online account that has my activities. From my EDD debit card .i was frauded last XXXX.I recieved a EDD card and I wanted to view my statements from XX/XX/XXXX when I recieved the card.But when I go to view my statement thenfraidstees user name is on my card account.ive spoke with supervisor from Bank of America she said she could fix it well as of XX/XX/XXXX the Fraudsters username is still in the account .Why? I dont want to be involved with the fraudsters The supervisor told me to use the fraudsters user name I refused to .and when I recieved my only card brand new it had XXXX dollars on it and deposits feom XX/XX/XXXX and a pln on it already.why? Also they mailed out 2 cards in XXXXof XXXX  to someone in my town and they refuse to tell me what adress .i filed anpolice report and told them it would help if we new the adress of the fraudsters.Bank said they could not release that info.I said it would mabey catch the fraudsters if I could give it to the police they refused..Why? The fraudsters got XXXX And IRS sent me 1099 forms saying I got that money and I did not.Why? I have disputed all transactoons and still waiting..Oh and my card has only the fraudsters deposits from XXXX of XXXX.Why? Help me please bank of America is out of control.and they should not be they have enough money to fix this problem of they want to because it is their fault not mine and the fraudsters adress needs to be told to the police so we can catch this guy.mabey thier are more than just me he frauded feauded.its lime they wont even call themselves to tell the cops were they sent the cards .its lime they dont want to catch the guy..Why
Product: Checking or savings account

I went to the ATM at my bank ( Chase ) on XX/XX/XXXX and checked my balance. I saw that it had only {$14.00}, when I knew that I should have a lot more. I then checked the last five transactions, and saw that there were two withdrawals that I had not made - of {$1800.00} on XX/XX/XXXX and of {$180.00} on XX/XX/XXXX. I went to the teller and reported this. She said they would investigate it and to come back the following Monday. I went back several times. On XX/XX/XXXX, they gave me a letter that said they denied my claim because I benefited from the funds and that they would not pay me back the money that was withdrawn. At the same time, they recommended that I close my account and put an alert on my account at chase.com to protect myself against fraud. On XX/XX/XXXX, a Chase employee gave me a copy of the withdrawal forms for these two withdrawals, along with the two IDs that I used to open the account. They claimed that it showed that the signature on the withdrawal slips is the same as that on the documents, and that the passport was used as an ID when the withdrawals were made. That passport was stolen from me on XX/XX/XXXX. Those signatures are not mine. I sign with my XXXX XXXX since I had a XXXX although I was formerly XXXX. I could not have made the signatures on the withdrawals slips that they claim are mine.
Product: Debt collection

I have asked about the validity of this claim several times with all three credit reporting agencies. No one can validate it but refuse to remove it. From what I understand, it is from a XXXX utility company. No one can furnish me with any other information. This is not my bill. I want this removed from all three credit reporting agencies. Thank you for your assistance!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Debt collection

In XXXX and XXXX XXXX I received multiple statements and phone calls saying I owed a balance of {$1000.00} to Phoenix Financial Services LLC. Digging deeper into this information I found out is was from a medical service back in XXXX. I tracked down where I was seen and gave them my insurance information and it was updated and taken care of on their end. I do not owe the company the original debt came from. I called Phoenix Financial Services and updated them on the situation and they said everything was good and should be updated. XX/XX/XXXX I receive two more letters ( dated XXXX XXXX and XX/XX/XXXX ) from Phoenix Financial stating that I owe them {$1000.00} for the same medical services. I called them on XX/XX/XXXX to find out why I am still getting letters. Thinking all of this was cleared. 

I asked to speak with a manager. Someone higher up and the man I explained my situation to told me I was no longer in their system. That they werent the ones sending me this and it was in error. He couldnt or wouldnt look into why I was still getting billed when I didnt owe them anything. He was rushed and didnt want to talk to me. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX, XXXX to make sure this debt is no longer owed. 

IT IS NOT. As of today it is at a {$0.00} balance. That balance was updated on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main keep reprting a old address to XXXX that i do not live at please delete it
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 rioghts and confidentiality under 15-USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate,
Product: Payday loan, title loan, or personal loan

I am being charged factitious interest that do not correspond to what it's supposed to be. I reached out to them multiple times to try to solve the issue, but they don't seem to be willing to provide any satisfactory issue to this matter. I am therefore requesting and in-depth review of all payments and interest charges that have been imposed to my account. I hope this would help not only with my case, but as well as other folks in the same situation. 
Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act TRANSUNION has violated my rights with the following account information published on my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND TRANS UNION and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND TRANS UNION and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX XXXX XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and XXXX , TRANS UNION continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me