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

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

I received a certified letter from Capital One, represented by XXXX XXXX XXXX  on XX/XX/2024 stating that I am being sued for {$5700.00}.
Product: Credit reporting

Equifax, is continuing to report a Chapter XXXX bankruptcy that was filed XXXX, the law/ statue states is should be deleted 7 yrs from the date of filing, also a Chapter XXXX bankruptcy filed XXXX, which should be deleted 10yrs from the date of filing.Equifax is violating the statue of LIMITATION on the ChapterXXXX, & the Chapter XXXX should be deleted XXXX. 
Please, review the statue, regarding bankruptcy.
Product: Bank account or service

In XX/XX/2016 I started getting monthly service fees on my Bank of America account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

in early 2021, I received an email from Binance.com tell me they were no longer supporting UNITED STATES based customers. I had XXXX staked ethereum on Binance, staked ethereum being called XXXX. 

I asked the Binance.com customer support team to provide safe and detailed instructions on how to move my XXXX off the platform Binance.com they did not provide anything to help. 

I was forced to move my assets to an unsecured platform where my assets were stolen. 

I am seeking reimbursement of XXXX ethereum
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 or other personal consumer reports

I am filing this complaint to ENHANCED RECOVERY COMPANY for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) XXXX XXXX 2. XXXX XXXX XXXX 3. university of XXXX XXXX XXXX 4. XXXX 5.XXXX XXXX inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX  XXXX XXXX 9. XXXXe XXXX XXXX  10.XXXX 11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX bank 14. XXXX cards 15.XXXX 16. XXXX XXXX   XXXX XXXX dba 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXXs 20.XXXX XXXX  21. XXXX XXXX XXXX 22 XXXX XXXX 23. XXXX XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX 26. XXXX 27. XXXX XXXX XXXX 28. XXXX XXXX 29. XXXX XXXX  30.XXXX XXXX  XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. XXXX   XXXX
Product: Debt collection

I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.
Product: Debt collection

I.C systems Inc report a fraudulent account to my credit report that doesnt belong to me. I asked this company to provide me a contract I signed and agreed to and also a copy of my identification and proof that they have the right person and they refused to. I never had services at XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I would like for consumer financial bureau to investigate this company for this fraudulent actions and fraudulent made up accounts. This company refused to contact XXXX on three way verification call because they know this account does not belong to me. I will get an attorney for them.if its not cleared out and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two XXXX XXXX accounts at being 47 % utilization. 
These reports are in error.
Product: Checking or savings account

Citibank closed my checking account with my money in it and i can not get a straight answer or information on where my money is except it will be mailed to address on file. I have not received anything in the mail not even a letter that was also promised as to why my account was closed. I now have no money to use and no answer as to where it is from thieving Citibank.
Product: Debt collection

In around XX/XX/2021, XXXX XXXX sent correspondence to collect monies related to obsolete communications equipment that was never collected by the company after a cable/internet service disconnection. Eventually, the equipment was dropped off to the local office by my wife, XXXX XXXX in an attempt to remodel our garage area. 

In my first response to the collection, I did not know that my wife returned the equipment and told the company that I didn't have the equipment. Once I realized that the equipment was returned, I called the collection agency to inform them. The collection agency told me that I needed to clear this with the cable company. 
Upon calling the cable company, they confirmed that they did receive the equipment. I called back the collection company, but they remained unchanged until XXXX XXXX contacted them. I then called XXXX XXXX back and got a positive response to them fixing this situation by calling the collection agency to remove the collection charge. 

I'm not sure how to proceed with this situation. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I was contacted by a person representing himself as an attorney soliciting his services to get me out of credit card debt. XXXX XXXX XXXX charged my Sears XXXX XXXX for fees. I disputed with credit card company and the charges were removed. XXXX then sent a credit card authorization form to XXXX and forged my signature on the form. The credit card company put the charges back on my account and informed me they reversed the previous credit as they were not contacted in timely manner no recourse available to recover the funds
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against RASH CURTIS & ASSOCIAT for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RASH CURTIS & ASSOCIAT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RASH CURTIS & ASSOCIAT, continues its collection efforts, I will file for litigation for actual damages caused and RASH CURTIS & ASSOCIAT, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required
Product: Credit card

A fraudulent account was opened on XX/XX/, by someone fraudulently using my personal information. When I discovered the identity fraud I contacted Capital One in writing to inform Capital One of the issue. Capital One refused to accept my claim of identity fraud even though I provided proof of identity fraud. Capital One, at a later date, sent me a class action settlement check for {$650.00} because they allowed my personal information to be released in a hack of Capital One. They released my information and then refused to accept my claim of identity fraud.
Product: Mortgage

On Friday XX/XX/XXXX, NewRez LLC was notified in writing via the online account contact feature on its website that I had previously made numerous attempts between XXXX and XXXX of XXXX to contact my previous loan servicer, XXXX XXXX, regarding the cancellation of my escrow account. On XX/XX/XXXX, NewRez replied to my request, and directed me to submit a formal request in writing which contained my signature. On XX/XX/XXXX, I submitted a signed, written statement to comply with their request. As of XXXX XXXX, I have not received any communication from them regarding the matter. 

As of XX/XX/XXXX, I became a XXXX and XXXX XXXX veteran. In the Commonwealth  of Pennsylvania, under Title 51, Chapter 89 Section 8902, any XXXX veteran who has been determined to be XXXX  % XXXX  and XXXX  XXXX due to military service during war or armed conflict, is considered exempt from all property taxes. I informed NewRez LLC previously that I had completed all the necessary paperwork and filing requests with the Commonwealth of Pennsylvania, XXXX County Board of Assessments, and XXXX XXXX XXXX, and provided a copy of the property tax exemption certificate. I then requested cancellation of my escrow account, along with a refund of all funds that had accrued within the escrow account. 

On XX/XX/XXXX, NewRez LLC proceeded to disperse {$1100.00} from my escrow account to the XXXX XXXX XXXX, despite my previous directives and requests. Because of my property tax exemption under the laws of the Commonwealth of Pennsylvania, the XXXX XXXX XXXX was not entitled to that payment. 

After several formal written requests, NewRez LLC has taken no action pertaining to to my previous requests regarding the cancellation and full refund of my escrow account. NewRez LLC has failed to both reply and comply with my requests, and have violated my rights under Tile 12 U.S. Code 2605 Subsection ( e ) and have caused irreversible damage to me.
Product: Money transfer, virtual currency, or money service

My account received an email notification from PayPal allowing withdrawals on XXXX XX/XX/2022, but I can't link new bank with the withdrawal, and I've contacted the customer service representative by phone several times and the problem hasn't been solved, can you please help me, thank you! 
Attached is the email notification from PayPal.
Product: Checking or savings account

This transaction was a BitCoin transaction using the XXXX ( to which my Suntrust debit card was attached ). 
Provide full details of each communication : I got a call from the phone number above. I received a call from XXXX ( came up on my phone as XXXX XXXX, Texas ). The caller claimed to be from XXXX and was calling to refund money they owed to my brother. I texted my brother to confirm that XXXX owed him {$7500.00} and he told me yes. We later learned that he was scammed and the scammer got my name and info from my brothers XXXX activity as I was the last person my brother had sent money through the XXXX. The caller wanted to use my XXXX account to deposit the money so that I could transfer it back to him. 

This communication happening on Friday, XX/XX/2020 I was instructed to download an app ( dont recall the name because it happened so quickly ). He asked me to press record and return to the XXXX XXXX. At some point in the conversation, the caller said he had sent me {$1.00} as test to make sure everything was working. I told him I didnt receive the {$1.00}. He then had be check my bank account to see what the max was that I could do in transactions per day. My recollection is that the recording device was running the entire time. After that, he told me that in order for the test to work, I would need to have at least {$7500.00} in the receiving account. I transferred money from another account to meet this {$7500.00}. The recording device was capturing all of this. Along the way, I kept saying to him this seems like a scam. If you owe my brother money back, why are you asking me to give you money? At what point will he be reimbursed. As I began to challenge him, he got very heated. I told him that it was a scam and that I was hanging up. I called back and we got into a shouting match and I told him that I would report him to the FTC and he then threatened to take legal action against me. I told him that he had no legal grounds to come after me. After the call was done, I called my bank and also emailed XXXX. 

The caller had me to modify my XXXX XXXX settings, by removing my debit card information and adding a card number ( which I didnt write down ). He had me transfer {$2900.00} to the account. The bank that the money went to was an account at XXXX XXXX   The caller had me to do a transaction on bitcoin and some type of conversion. He had me to do an immediate deposit after the transaction. At some point, he had me to put my original debit card information back onto the XXXX. I notified Suntrust to deactivate that card and I have been monitoring my accounts for any additional fraudulent activity. 

Caller asked for {$7500.00} in three installments and the first installment he had me to send was {$2900.00}. Immediately after the transfer, I realized it was a scam and didnt send any additional funds.The recording device likely captured my PIN. I have changed my PIN and notified my bank to cancel that debit card. 
- Dollar amount : Bitcoin ( {$2900.00} ), Bitcoin ( {$2800.00} ) ; Cash Out {$2800.00}. These were all fraudulent. The total amount I lost was {$2900.00}. 
- Recipient : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card had charges that were not mine and I refused to pay them. Capital One investigated the charges and found they were not mine and they removed them. When I refused to pay the charges Capital One assessed interest and late fees and reported my account as delinquent. They refuse to remove the interest and late charges and return my credit balance ; they also refuse to correct the delinquency rating on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate late payments showing up in my credit file from Equifax 7 times. The credit file is showing that I paid XXXX  XXXX payments late over 180 for several years which is completely false. I disputed this issue with XXXX and XXXX as well and the inaccuracies were removed right away when I provided the proof and documentation. Equifax refuses to remove the false late payments even though I have provided payment history that was signed and notarized as well as letters from the crediting company that states the late reporting 's are not correct!
Product: Credit card

I am writing to lodge a formal complaint against XXXX XXXX concerning a defective {$1200.00} couch that I purchased. Despite immediate notification to both the store and the finance companyXXXX XXXX XXXX ' replacement attemptshandled over XXXX separate occasionsalso resulted in defective merchandise being delivered, as confirmed by their delivery personnel. 

Persistent efforts to resolve this matter were met with inadequate responses. Despite legal representation requesting store credit or removing the defective couch, the store neither remedied the situation nor collected the merchandise. Subsequently, the store opted to close and charge off my account.
Product: Checking or savings account

Huntington Bank is normally a tried and true member of our community. I took advantage of their Checking Bonus offer but they failed to credit my account the bonus by XX/XX/22 as promised. My many contacts with their branch representative and national XXXX service phone number has failed to enlist a fix.
Product: Debt collection

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. Experian has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you