23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing this due to non-compliance with the ( XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting agencies have XXXX credit card information stating a charged off account. The information should be deleted as it is a result of identity theft from equifax security breach in 2017. 15 attempts were made and incorrect information continues to be reported which has caused credit refusal, hardship and discrimination. All information was filed wit FTC, CFB and should be removed removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 at XXXX. i called Capital one auto finance to go over my account status. I was going through financial troubles and had just landed a job. my account would have been late. i called to see if there was something that could help me out in this situation. After a 23 minute conversation with a gentlemen. he advised me that He would put me on a payment plan that would merge a few of my payments and implement a payment plan where it would allow me to catch up, as i was waiting for my first pay check. the payments would begin with a due date of the XXXX  of each month, starting on XX/XX/XXXX with payments of {$600.00}, as opposed to the normal {$450.00}, till i am caught up and then resume its normal due date. I asked the gentleman if this payment plan would avoid me being from 30 days late, since my normal payments would be due on the XXXX of each month. He specifically told me i would NOT be 30 days late given that i am going into this new payment plan. If i am accidentally reported late, i can dispute it and the late would be removed. the gentlemen, while i was on the phone, emailed me the dispute resolution process. with this information, i accepted the payment plan terms and set up auto pay to avoid hassles and it was a requirement of this new payment plan. i was reported late regardless, i attempted to have the company resolve and help me remove this late due to the unfortunate miscommunication, to no avail.
Product: Debt collection

I had a dispute with XXXX XXXX tv about canceling my service. When they charged my XXXX a 3rd month after I notified and had sevice stopped, I contacted XXXX and they investigated. XXXX then credited my account. 

I then received a collection letter from XXXX XXXX  : XXXX had sent the {$170.00} to them and someone place a delinquent payment on my credit report. 
I paid Creedence the {$170.00} with my XXXX  credit card on XX/XX/XXXX ... ... because I did not want to lower my credit score. 
In late XXXX, I contacted credit bureau and informed them this debt was paid. 
I check my credit report a few weeks later and it showed the debt was paid. 

On XX/XX/XXXX I received a letter from IC system saying I owed XXXX for the same account number as the one I paid before to XXXX 
On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX at XXXX EST. She maintained that this was still a debt owed after I informed her I already paid. She said they were going to " ruin " my credit if I did not immediately pay them {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX equifax locked me out of my credit report access and has yet to resole this issue. I have contacted them as well as the XXXX  with no resolve or access to my credit information. They are reporting false information and I am unable to view or dispute any of the information. It has been over 30 days since they have allowed me access to my report and information and hey are reporting false information which is causing me delays and financial distress. we have reset the password numerous of times and still no access today is day 36 with no access to my equifax credit report. 
this company was contacted on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX still no resolution or communication from them or their IT dept who the cases were " supposed '' to be escalated to.
Product: Money transfer, virtual currency, or money service

I used square for my XXXX XXXX XXXX XXXX XXXX XXXX for the last XXXX years. never had any issues with the transactions or payments from my friends, family and customers. 
On XX/XX/XXXX I called square to verified I can receive an international Credit card as payment, and they said yes. The Amount of our transactions vary from {$60.00} to $ XXXX On XX/XX/XXXX I received a Payment from a XXXX XXXXXXXX and his payment of {$10000.00} was approved after verification by his bank institution however, the amount didn't reflect in the square balance. I called square to verified if they received the payment and they assure me the payment was received. The square agents told me I shouldn't have any issues giving the items and services to the customer and that the total amount was going to be reflected the next day. 
All of this was recorded by them for customer service purposes. 
On XX/XX/XXXX, they request for documents to support the transaction and I sent them the only thing I had available at the time. As the customer has his bank institution in XXXX, he sent me all of his documents, bank statements, receipts from our previous transactions from our checking accounts. I also sent them his ID and everything necessary for verification purposes. On XX/XX/XXXX Square sent me an email saying they were suspending my square account, and they were going to hold the total balance of my square account for 90 days. 
without a reason, explanation, a contact number or email to reach out with questions. NOTHING. They Flat out STOLE!! {$10000.00} from me. On XX/XX/XXXX and XX/XX/XXXX, I sent extra documents and tried to talk to someone about the status of the account and nobody knew anything about my account.
Product: Money transfer, virtual currency, or money service

TD Bank fraud department suspended my checking account # XXXX erroneously based on suspected fraud. While I appreciate reasonable efforts to keep customer deposits safe, in this case the bank made an error and has been unresponsive for two weeks, despite my repeated efforts to address this. The situation is unacceptable and has resulted in economic damages, because I do not have access to my money in the account.

For context, I recently rented out my apartment and opened this TD basic checking account for all income and expenses related to this rental unit. I deposited two certified checks provided by my tenant. One check was for the security deposit ( check # XXXX for the amount of {$3500.00} ), and the second check was for first months rent ( check # XXXX for the amount of {$3500.00} ). I deposited them on XX/XX/23 and XX/XX/23, respectively. 

Shortly thereafter, I discovered I could not access my account ( online, via the mobile banking app, or via ATM ). After several calls to customer service, I visited the bank branch located at XXXX XXXX XXXX, NY, NY XXXX and contacted my primary branch located at XXXX XXXX XXXX, NY, NY XXXX. The branch manager at XXXX XXXX XXXX, XXXX XXXX, has not been able to resolve this with the fraud department, despite her relentless efforts on my behalf. 

At this point, the bank has essentially stolen {$7000.00} from me. The bank has taken no action to remedy the situation despite the fact that I have verified my identity as the proper account holder. The two checks I deposited were also cashiers checks, certified by the tenants bank. I find the banks behavior truly unprofessional and unacceptable. 

I have been trying to solve this with TD bank directly by calling all TD bank numbers I possibly think of ( general customer service numbers, resolution help number, etc ) and by going to the branch in person, but unsuccessfully.

I need TD bank Fraud Department to release and unfreeze my account immediately. And, TD bank needs to create a live Fraud Department hotline where customers can call and ask for help. 

Best, XXXX XXXX
Product: Debt collection

Credit collection services has listed themselves as original creditors on XXXX accounts in the amount of {$150.00} and {$800.00} they are not XXXX of my creditors and I have not done business with them. They are trying to reset the clock to collect debts not owed any longer. I want both marks removed immediately from all of my creditors reports for false information
Product: Credit reporting or other personal consumer reports

I never gave anyone permissible purpose to pull my credit report these inquiries are a result of identity thief and these inquiries need to be blocked immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 Equifax Mortgage Ser XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Product: Debt collection

My Experian Report Number Report # XXXX. 

Account name XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$6500.00}. 

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX This is a communication that I am disputing this account that is illegally defaming my credit report and is violating 15 USC 1681b, 15 USC 1692.

I need the original contract with the original Creditor of the alleged debt with my signature. I also need payment history with the original creditor and I need proof of assignment.
Product: Mortgage

I took out a mortgage with HSBC to buy my home XX/XX/XXXX.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around XX/XX/XXXX HSBC wrote me and stated I should start sending my mortgage payments to XXXX XXXX.I started paying XXXX XXXX electronically from my bank account.XXXX has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and XXXX are the same company and that they are very busy but it will be straightened out.They have done nothing to correct this error.HSBC has been taking my mortgage payments for 5 years hold them and then reporting them late. I believe the reason they do this is to damage my credit stopping me from refinancing out of their loan.I am not alone in this practice.there are XXXX 's of compalints online about HSBC and XXXX mortgage. HSBC owns my mortgage.They make me send my payments to XXXX mortgage and then they report me late to the credit bureaus using the name Mortgage service center.
Product: Prepaid card

I filed a claim with Bank of America for unauthorized transactions. These transactions had names of companies that Ive never heard of from places like XXXX, XXXX and many other places. This was 3 years ago. This claim was denied by the bank stating that I authorized these transactions. They put me on the phone with the rudest person Ive ever dealt with. With this jerk yelling at me, interrupting me every time I speak, I was left speechless. He was absolutely positive that I did indeed authorize or make these transactions. Its ludicrous and insulting to be spoken to like this. I used to work for B of A so I know how these banks operate. Theres so many ways people can have their info stolen and money taken. Ive seen many people fall victim to all sorts of scams including identity theft. I felt there was no other recourse to be taken and was worn out and overwhelmed after having been denied and treated like that so I didnt pursue any further. A month ago, early XXXX I found out that a good friend of mine had also disputed unknown transactions on her account around the same time as I did. They were charges from places like XXXX, XXXX, etc. Very very similar kinds of charges. She received a letter in the mail stating that she is being credited XXXX $ immediately. From her dispute made back in XXXX So I contacted Bank of America to get some information on why theyre treating some customers one way and other another way? Come to find out they had no record of my claim. They had lost the records of my first claim even though they investigated it and denied it? I was speechless, I didnt know what to say but they offered to open claim for me. They also submitted a complaint for having lost the information and records of my first claim. So we did that. After a month I received money back in my account but only from the international transaction fees. Then I get a letter saying my claim was denied. Why did they give me the money back for the transaction fees but not the full transactions? Also I wan na know why my friends claim wasnt denied! She banks with Bank of America. We both disputed pretty much the same kinds of charges. She had hundreds of transactions that were unauthorized! My friend was treated fairly and I was not! Every custmer should receive the same amount of respect and decency. I mean who does the bank represent? The customer or some unknown shady entity overseas? It disgusts me to think about. The main reason I contacted the bank was to file a complaint with CFPB. I contacted the bank and explained that I wanted documents from the claim that was denied back in XXXX. This is when my bank tells me that they do not have a record of any claims under my account. So they then went ahead and submitted the new claim. Which was recently denied. I want equal treatment by this bank! I hope I can get the representation I deserve.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2021, Paypal descided out of no where to freeze my account ( XXXX ) and not allow me to use it, because I had a fraudulant transaction that was not even with paypal it was with my primary bank, but my debit card from my bank was linked to my paypal business account.. With then freezing my account I have not had access to the {$310.00} dollars that was in my account when they froze it. I was informed that I would be able to obtain my money 180 days from the date it was froze, after multiple attempts to contact paypal customer service and attempts to obtain my money myself threw the online portal I have been unsuccessfull.
Product: Mortgage

I paid my monthly mortgage payment to PennyMac on time. They applied the entire amount to a one-time principal paydown instead of my monthly payment. My next statement showed late fees and that my loan was in arrears. I made at least two calls to their customer service center to clear up their mistake. I then got another letter from PennyMac stating that my loan was not current. 

I requested and was promised a call from a supervisor, which never occurred. I also requested and was initially denied a written communication from PennyMac stating that : a ) the error had been corrected ; b ) my loan was in fact current ; and c ) my credit rating had not been affected. 

Since I have neither received a call from a PennyMac supervisor nor a written communication, I am contacting CFPB to ensure that my credit rating is not impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and have made Transunion aware of this problem. Transunion has been very nasty and made remarks disrespectful to my race inquiring that my people always do this. They have hung up the phone on me numerous times. I have sent in prove of identity theft and asking for inquiries to be removed from my credit report that are unauthorized. They said consumers have a right to report information rather I authorized them or not. They make it hard for certain people to get information removed from their credit report. They removed the student loans due to the company admitting that they were indeed not my accounts and belonging to someone else with a similar name. They removed the accounts then added them back. I will be filing a lawsuit along with a group of people who also have the same issues. Transunion makes it harder for certain groups of people for reasons that are unlawful.
Product: Credit card or prepaid card

Fees and interest charged for XXXX XXXX  which was done accidentally and reversed. I was told by the first representative and a supervisor I would be credited all fees if the XXXX XXXX was reversed by me. Never received, refused to apply credits as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Im writing today to express my concern over not only the poor customer service but also APR. My current APR is 29.99 % which seems to be a penalty rate. I currently have a XXXX balance on my account due to a balance transfer. Prior to my balance transfer I had about {$1800.00} balance. In the past XXXX Ive called multiple times requesting a lower APR and everytime I there isnt an offer available. I have an excellent payment history and even during the periods where my balance was XXXX I was never given an offer. Most recently I called to ask for a lower rate and was told yet again there is no offer. I filed a complaint and checked the status and was told today because there was no offer my complaint was closed. Im deeply troubled by the gross lack of communication and consideration Ive received from Amex. Its also disconcerting that every representative Ive spoken to gives me a different answer on account reviews. I was also told the complaint team would contact me and then told today then dont speak customers. I have consistently been lied to and mislead by American Express and not Im beginning to feel as if this is an intentional predatory practice. I have consistently been lied to and gaslighted. I just want to be told the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}