23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft yet your company XXXX has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account XXXX XXXX in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is missing from my credit profile, that being a XXXX XXXX in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX XXXX XXXX 
I am also asking XXXX and Equifax to verify XXXX authorized users policy which states : *XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

I am also requesting the missing information be added to my credit profile
Product: Checking or savings account

This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.
Product: Credit reporting or other personal consumer reports

There are several items that appear on my consumerreport from entities that I have never signed any contract/agreement with, done business with, and/or provided consent or authorization to furnish any information to a third-party. 

Under section 609, I have requested that this credit reporting agency provide the original documents that also contains my physical signature along with any other supportive information to conclude their dispute ; or remove the items from my credit report As stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are legally obligated to verify the authenticity of all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone utilizing their reporting services.Their failure to adequately verify these accounts has adversely affected my creditworthiness. According to the FCRA, any unverifiable accounts must be removed. If they are unable to furnish verifiable proof, they must eliminate the accounts specified in my dispute letters. 
In addition, I have requested a thorough and manual verification, including the date that they have contacted the furnisher, the name and address of the furnisher, the name of the agent, the method of communication, and most importantly if the furnisher provided my name, address, and/or dob. 
I have yet to receive any of this information! They are willfully being non-compliant. It is injurious to my credit report and has significantly impacted my financial well-being and credit score.
Product: Credit reporting or other personal consumer reports

In your most recent investigation results confirmation # XXXX on XX/XX/year> you stated that you determined that the data furnisher had previously provided verified information. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. I am not sure how you verified your information when you are still reporting inaccuracies on my credit report such as the open date, date of last activity, date of last payment and more! 

This is grounds for removal! 

The credit bureaus are also in violation of 15 USC 1681 section 602 A ; I have a right to privacy.

15 USC section 604 A section 2 ; a consumer reporting agency can not furnish a account without the written instructions.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




UNAUTHORIZED INQUIRIES : 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 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

This debt does not belong to me as it randomly popped up on my account.I do not have any knowledge of this debt and have tried to dispute it with all.They are not authorized to collect a debt that they have not validated.I have asked for validation containing my signature.That shows this debt belongs to me and have yet received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that XXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within XXXX ( XXXX ) business days or accepted for its intended purpose within XXXX ( XXXX ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Checking or savings account

Someone got my card and used it I dont know who but there is XXXX dollars missing its fraud I want the money I didnt use.
Product: Credit card or prepaid card

Numerous times I've had to call Barclaycard because their automated pay system had issues and did not properly bill us. In one instance it billed on the XXXX when the payment was due on the XXXX, Barclay marked this as 30 days late, even though they took the payment, as they apply all payments after the due date to the next payment cycle. This causes issue with customers and the support staff as the custom is typically unaware of this until it shows up on their credit report. There are no notifications otherwise. Their support staff is not very knowledgable on some of their practices so when I called in XX/XX/XXXX and stated  that I started a new job, while asking if it was ok to pay on the XXXX, they told me that it was ok. It was not OK though as they reported me 30 days late again. This business practice is not right. If someone is 5 minutes late then they should not be punished for years on their credit report ( Yes, they told me that a minute past 7 on the XXXX would result in a 30 day hit to my credit ). I have disputed the reports numerous times and only twice have they fixed it. Yes, twice because I've had to deal with them on multiple occasions. They've also falsely reported on my credit other times without fixing it. This was in XX/XX/XXXX and XX/XX/XXXX. Note : They fixed the one in JXX/XX/XXXX, but did not fix the billing so the XX/XX/XXXX statement will show it  kept carrying over to other months. 

I would suggest no one ever do business with this company because they will make your life an endless nightmare if anything happens that sets you back. You can take responsibility and try to make things right, but they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I went to the Chase branch located on XXXX XXXX XXXX in XXXX. I deposited {$1100.00} at the XXXX ATM ( there are 2, I used the one on the right. When the transaction was complete, the ATM reported I had deposited {$1000.00}. I checked my surroundings, the floor, the rest on the ATM, and my wallet to confirm I hadnt stashed the {$100.00}. I was unable to locate the money.

I immediately went to the teller who said there was nothing she could do and that I should call XXXX to submit a claim. She provided me the ATMs ID, XXXX 

I initiated the claim when I got home, they deposited {$100.00} in my account while they investigated, and I was told it could take up to 3 months for a resolution. 

On XXXX XXXX I received an email informing me of a letter that has posted to my account. It was an update to my claim stating they found no discrepancies in their investigation, hence theyd be withdrawing {$100.00} from my account after XXXX XXXX.

I called the claims department again to dispute the finds. The advisor who first answered my call stated there was nothing he could do since he had no access to the backend team that actually investigates the claim. He said all I could do was go to the bank and ask the teller for video proof to support my argument. I told him that didnt make sense, why should I have to be inconvenienced again? How wasnt that Chase was unable to obtain that information with me having to go and personally request it from the branch. The advisor became combative and tried to speak over me, then he said he wouldnt be able to assist me if I didnt let him speak. I highlighted that it was him who began speaking while I was still trying to relay my message. Seeing as how there was nothing he could do nor did he seem interested in helping me, I asked to speak to a superior or their customer relations department.

After a short wait, I was connected with his supervisor. She never identified herself, but listened to my retelling of the events and placed me on hold to review the notes in my case. She stated that theyd sent a technician, she didnt specify when, and that they didnt find anything wrong with the machine nor did they find a discrepancy in the funds to support my claim hence theyd not credit me the disputed amount. 

The supervisor said that I should get the receipt or see if the teller could support my claim. I explained that I received an e-receipt but that was for {$1000.00}, not the full deposit of the {$1100.00}, and that a teller had not assisted me so they couldnt speak towards the event. 

I deposited {$1100.00} because I had to make a payment for {$1100.00} to my XXXX XXXX XXXX. I did not walk to the bank, hence it isnt a possibility that I dropped the money. Id been driven to the front of the bank and I counted the money in the car before stepping out. I deposited {$1100.00} but chase is disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accountname Accountaddress XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable . XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax and XXXX. I did not grant XXXX  XXXX XXXX XXXX  permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies.

-Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
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 : DEPTEDXXXX Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account 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 inaccurate.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in their reporting, including incorrect amounts and dates.
Product: Student loan

Student loans from XXXX XXXX XXXX XXXX got sold to ERS ( Enterprise Recovery Systems , Inc earlier this year. When that happened, I had already paid off a large chunk of the loans and ERS attempted to collect on the original amount. I then decided to request debt validation from them several times and sent them XXXX debt validation letters to confirm my payment history and agreement. They have ignored these requests several times and continue to make attempts to collect on the original amount of the loans. Please investigate this matter and send me proper validation. Thank you. 


School : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, New York XXXX | ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXX XXXX,, 5 ) XXXX, 6 ) XXXX XXXX 7 ) XXXX XXXX XXXXXXXX XXXX,, 8 ) XXXX XXXX XXXX,, 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX, 12 ) XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent numerous letters and request to Experian requesting proof of account that is been reported after they have sent emails and updated my report that those XXXX accounts are accurate and have been updated those accounts that are allegedly charge off accounts. Every time I request information, Experian updates accounts as charge-off which continue to affect my XXXX XXXX I have requested Experian to provide me with proof of the following alleged debts that being reported and updated each month. 
XXXX. XXXX  XXXX charge off account XXXX. XXXX  card - charge off account Experian has yet to provide me with this information. 

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transaction between consumer and person/corporation making the report is not included on consumer reports. Yet Experian is reporting information, The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on consumer report is a violation of XXXX XXXX compliance. Those XXXX accounts have been placed as charge off without mailing me a copy of IRS form XXXX cancellation of debt. Experian and the creditors reporting charge offs in my consumer reports are in violation of 26 USC ss 6050P returns relating to the cancellation of indebtedness by certain entities. If information is not removed within XXXX business days, I will be forced to officially file IRS form XXXX, Information referral and IRS form XXXX : application for Award for original Information Overview with Internal Revenue Service against all entities involved.
Product: Credit card

I have a Care Credit Card with Synchrony Bank. On XX/XX/XXXX, I called to request a card for my husband. The customer Service agent closed my Credit Care Account without my permission and knowledge. During the call I received an email stating that my account has been closed and a new card issued due to a lost/stolen card. I asked the agent about it and he said to disregard the email and that he just issued a card for my husband. I said that there was no card lost or stolen. He said that it was just a standard email and to disregard. After the call, I was concerned about my account so I tried logging in and found I could no longer do so. I called back and spoke with a manager she told me that the customer service agent really did go ahead and close my account!!! I was unable to access my account for 2 days. Now I have a new account!! I requested all of my statements so I could make sure they werent trying to XXXX me over on the extra payments I made and everything looks like it is in order. 
On or around XX/XX/XXXX, I changed my autopay from {$100.00} to {$150.00}. I received a letter from Synchrony via email on XX/XX/XXXX stating that XXXX to recent activity they are going to change my autopayment to {$55.00}!!!! Do they have a right to do this? Please see the attached letter. I am going to call them immediately after this is submitted. I am very upset. How can the just go in and change my account like that? AND without my permission!!!!!