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

I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate
Product: Credit card or prepaid card

HSBC BANK credit card services closed my credit card for no reason. 
They claim that have sent letter to me. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the HSBC BANK terms etc. 

Never had a late payment pay all my bills on time. I've been with HSBC BANK bank since 2017. I have not received any letter from them. I have HSBC BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act.

1.HSBC BANK has violated my rights to Safety, by closing available credit line I had at my disposal for no reason.

2.HSBC BANK has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern.

3.HSBC BANK has violated my right to information, by not sending the communication in all available methods.

4.HSBC BANK has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus
Product: Credit card or prepaid card

I HAVE ALREADY TRIED TO RESOLVE THIS WITH THIS COMPANY YEARS AGO FOR REPORTING THIS TO THE CONSUMER REPORT AND IT HAS BEEN UPDATED THIS YEAR FOR 2023. THIS IS ACCOUNT IS A RESULT OF FRAUD AND I HAD NOT POSSESSION OF THIS CAR PLEASE REMOVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Product: Checking or savings account

My money has gone missing in my 360 savings account with capital one - scheduled deposits will not show on under my 360 account and i have called and called and been placed on hold for hours.

I have not gotten my money
Product: Credit reporting or other personal consumer reports

Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXX  ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Product: Mortgage

My loan was purchased/sold to round point mortgage. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of {$2000.00} in agreement with the mortgage and escrow payments required. The double payment in XX/XX/XXXX was due to a miss payment when setting up the auto-pay when the mortgage was purchased. It was the payment of XX/XX/XXXX. The payment for XX/XX/XXXX and XX/XX/XXXX was $ XXXX due to a shortage in escrow balance. Round point had a higher minimum amount that the original loan agreement. The next due payment is now for {$2300.00}. Again an increase in escrow due to a shortage. Under further investigation into my account, Under Taxes I am not listed responsible for XXXX  XXXX for {$2000.00} and for XXXX XXXX {$1700.00} ( the county I live in ). That is the reason my escrow has increased. This is a mistake by Round-point mortgage adding the additional county erroneously. In my attempts to fix the issue that want me to send in my tax bill. I have not received it yet, and I should not be required to do anything to fix my account back to the original monthly payment. I have tried to escalate within the ranks for Roundpoint and have been hung-up on and placed on infinite hold. What they are doing is illegal and I would like to get in resolved as soon as possible. After a second call back I have been told to give them at least a week to resolve the issue. I am still filling this complaint in case it is not resolved correctly and should have never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account because this is unfair. Please remove these account as soon as possible. This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

Late payments during a data breach, hard inquiries I never made
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently contacted XXXX, Equifax, and XXXX and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 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: Debt collection

Earlier this year, I received a call from someone asking if I could verify myself, I refused so they said they were unable to assist me. I then received another call asking me to verify myself again, I then asked them to verify who I was since they were calling me. I was then told that if I do not verify who I am that they are unable to assist me. About month or so later ( I believe XX/XX/2019 ) I noticed a new negative account on my credit report. So, I was never advised that this was an attempt to collect a debt, nor was I advised that I could dispute this debt, nor was I offered any verification of this debt. I still have this debt on my credit report LISTED TWICE FROM TWO DIFFERENT DEBTORS as if there is more than one account in question. However, I have not authorized any chargers nor have I signed any credit agreements for the credit card debt in question.
Product: Debt collection

Upon checking my credit report, I noticed multiple accounts that I did not authorize. I request immediate action to have them blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Dept of EducXXXX Account # XXXX, and US Dept of Educ/XXXX Account 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXX ( badge # XXXX, XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX  to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number # XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least XXXX banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the XXXX for possible investigation into foreign money laundering. 

The XXXX person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within XXXX hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within XXXX minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the XXXX " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.
Product: Checking or savings account

On XX/XX/XXXX, my Wells Fargo Checking and Savings accounts were hacked with unauthorized wire transfers via the Wells Fargo mobile app ( which I do not use ). Initially, the hackers attempted to take {$390.00} from my checking and were thwarted, however, they were able to take {$11000.00} from my savings. The fraud specialist promptly shut everything down ; online logins, my debit card, and both account numbers. 

On XX/XX/XXXX, I called the fraud department for an update on my claim and WF is telling me the claim is closed because they could not retrieve the funds from the beneficiary account and all I can do is file a police report. I asked the Bank Manager to escalate the claim and at this time, the only recourse seems to be that I keep requesting WF to continue to make attempts to return those funds to the account from the beneficiary bank. The Branch Manager told me sometimes it takes a few attempts, but I'm not convinced they'll retrieve it. I filed a police report with XXXX XXXX as well as an online FBI report. 

On XX/XX/XXXX, I had the WF fraud department attach my police report case number to the file, which may or may not reopen the claim.
Product: Mortgage

I previously filed bankruptcy and my bankruptcy has been discharged but Roundpoint has refused to speak with me about my account. I have sent in multiple request about my billing statement, my discharge, and just trying to speak with a representative. The representative states I and my wife needs to contact my lawyer and/or trustee. I feel I have been going in circles trying to obtain a simple billing statement. My lawyer submitted a letter to Roundpoint stating I can speak on behalf of my account since it was not included within my bankruptcy. Roundpoint has received my discharge paperwork.
Product: Credit card

I recived a offer from Discover to open a secured credit card. 
I accepted, gave {$2500.00} securty deposit. 
Account opened, then closed 2 days later. 
This has damaged my credit reputation.
Product: Debt collection

I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Product: Debt collection

Portfolio recovery services refuses to provide me with debt validation letter stating its last 30 days I dont remember receiving anything from them on this debt. And to my recollection dont owe this debt and have continued to call over debt after stating they wouldnt send letter
Product: Money transfer, virtual currency, or money service

On XX/XX/24 there was 3 different invoices made for {$890.00} each. I reported the transactions as fraud and I requested information about the transactions. I was promised a follow up regarding the unauthorized transactions and PayPal never responded. On XX/XX/24 I received a phone call about 2 attempts for unathorized transactionsfor {$300.00} and {$85.00}. I stated that those transactions are unathorized and PayPal promised to provide information about the transactions. I later see those charges were made on my bank account that I have linked to Paypal. I made multiple attempts through chat to get information regarding the unathorized transactions and the PayPal chat reps gave me the runaround. Different chat reps ignored my questions and concerns. I also have had a couple of chat reps abandon the chat after I point out that their responses don't answer my questions. When I filed a report thought the email system I received an email that ignored my questions and concerns.I
Product: Debt collection

Was sent to Franklin Collections in XXXX of XXXX for a medical bill of {$830.00} from XXXX XXXX XXXX XXXX. This bill was paid off by XXXX XXXX XXXX XXXX of Michigan medical insurance also in XXXX of XXXX.When I called the company to address this issue they stated my account balance had XXXX  out yet the collection was sent again in XXXX of XXXX. I sent Explanation of Benefits to the credit bureau that is clearly showing that I myself owed XXXX and the medical insurance company had paid off the balance of {$830.00}. Still after this nothing was done to fix my credit report report of this unlawful accusation.
Product: Credit reporting or other personal consumer reports

This complaint is being submitted with full certainty and seriousness. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant stress and anxiety.
Product: Credit reporting or other personal consumer reports

I have a repossession and its reporting late payments and the vehicle is no longer in my possession since XXXX. Aliso balance reporting definitely what the statement reports {$16000.00} and files reporting {$15000.00}. 
I wrote to Transunion and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

WALLET WAS STOLEN AND FRAUDULENT ACCOUNTS WERE OPENED UNDER MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Student loan

I was told  last year by Navient Student loan s that I was unable to make payments mid month and still have auto deduct on my loans to get a .25 % deduction. I was trying to pay more on my loans but was not allowed to. I was also but into forbearance without asking many times and I was not offered  a IBR plan until I went through the federal website. I also had to call many times to get my IBR amount so I could start making payments.
Product: Debt collection

I, XXXX XXXX, am formally writing this complaint to the CFPB to report noncompliance by the debt collection agency COLUMBIA DEBT RECOVERY LLC. 
per their response in both the CFPB complaints XXXX and XXXX, COLUMBIA DEBT RECOVERY LLC stated that they follow all laws pertaining to furnishing to consumer reporting agencies. This statement is a lie and is a stall attempt. The Fair Debt Collection Practices Act prohibits debt collectors labeling themselves, representing themselves, or conveying themselves as attorneys per 15 USC 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney and per 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This is in fact false and misleading. COLUMBIA DEBT RECOVERY LLC is barred from reporting as an attorney per FDCPA. COLUMBIA DEBT RECOVERY, you are not an attorney. That is a violation. The Fair Debt Collection Practices Act also prohibits debt collection agencies from having any languages or symbols in the indicates that they are in the debt collection business pursuant to 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Thus, the name " COLUMBIA DEBT RECOVERY ''. This name indicates that this company is in the debt collection business. COLUMBIA DEBT RECOVERY LLC also violated my federally protected rights per 15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. COLUMBIA DEBT RECOVERY LLC has lied stating that they are following all laws and compliance. This company insinuates per their previous response that XXXX to is above the FCRA and FDCPA in terms of compliance. Ignorance of the law is no excuse to breaking. This company still has not provided me legal documentation giving them legal authorization to have my personal private information per Privacy Act 5 USC 522a. There has been no legal indication or clarification that COLUMBIA DEBT RECOVERY is in fact licensed to collect in the state of Tennessee. I, XXXX XXXX, questioned COLUMBIA DEBT RECOVERY in detail on the matter per the initial debt validation letter in which COLUMBIA DEBT RECOVERY ignored. In this case this without legal permission and no legal license to collect in Tennessee, it is harassment, abuse and identity theft which is violation of 18 U.S. Code 1341 - Frauds and swindles and 18 USC 1001 ( a ) ( 1 ) ( 2 ) ( 3 ). I, XXXX XXXX, want to remind the CFPB of COLUMBIA DEBT RECOVERY 'S previous abuse on another consumer in the past. They have already been sued for abusive behavior. COLUMBIA DEBT RECOVERY LLC lost this case based on their noncompliance of the FDCPA.
Product: Credit reporting or other personal consumer reports

I found there are some unathorize hard inquiries on my credit report that I did not authorize. 

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