23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2019, I applied for and was approved for the HSBC Gold Mastercard. I was sent and received the card, but HSBC closed it in XX/XX/2019, because they stated they tried contacting me, to confirm I opened the account. I spoke with the fraud security team, because they were the ones who closed my account. They sent me an e-mail, asking me to reply back with a picture of my license, for verification to reopen my account. I e-mailed a picture of my license immediately. I called again and they said they were reopening my account and sending out a new credit card. I never received it. I consistently kept calling and getting the same response. " We sent a message to the onshore team, they are responsible for sending out another card ''. I even spoke with XXXX in the HSBC XXXX branch, in XX/XX/2019. She called HSBC offshore team herself and they said they mailed a new card to me back in XXXX. She called again and got an e-mail in mid XXXX. The Onshore team stated they are sending in the new card via XXXX XXXX. I never received it. I am now back to calling every day with fake promises of call backs from managers, or hearing " We sent a message to the onshore team, they are responsible for sending out another card and we haven't heard anything from the team ''. I call almost every day and get these responses.
Product: Payday loan, title loan, personal loan, or advance loan

Crane finance contacted my XXXXXXXX XXXX XXXX and told them that they wanted t do a Notice of Voluntary Wage Assignment Intent without my permission. They stated that I signed this form when I applied for the XXXX loan. I do not remember seeing this paper or remember reading it. If I had, I never would have signed for it. 
My XXXX was going to XXXX me for having an outstanding loan that was trying to be collected through a wage assignment. 
I should have been informed in advance that they were going to contact my employer. This contact put me in a difficult position that almost cost me my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/2023 and didn't receive a response until XX/XX/2023. Which is illegal and violate the credit reporting laws and acts establish. You will remove all mentioned accounts bleow or legal action will be taken to the furthest extent of the law. 15 U.S.C. 1681 states that you must reply and respond within 30 days of received dispute ( s ) and you have clearly blatantly ignored and violated my requests. Ive attached the letters i sent to your bureau!! This is my final response to you which is giving you a chance to cure my inaccurate credit reports. This is what i wrote to you on XX/XX/2023 I Am A natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Account name : XXXX XXXX XXXX XXXX NUMBER XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW 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

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Debt collection

Portfolio recovery sent me a letter by mail stating that I owed this alleged debt violating 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist also Failed to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e.

Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 )
Product: Mortgage

My husband died in 2010. His name was on the mortgage account. I am XXXX senior and unable to work or do much. However, I tried to keep my payments up. My home was badly damaged in the ice storm. XXXX refused to issue the money to the repairman to fix it. I have been living with leaks and in the cold since then. But I just pray and try to get by. I don't have anyone to help me. XXXX sold to XXXX and XXXX sold to XXXX. No one at any of these companies will help me. I have called and tried to speak with XXXX XXXX as she is supposed to be handling the account. Now she won't speak to me about the stautus because my name isn't on the account. However, they continue to send me the bill and call and leave messages about how it's behind. I am unable to go to court. I explained that I am immobile and can not go to a court house to get executorship. They keep sending all these bills that I can't afford and yet they won't talk to me. My kid used to help but because of covid can't help me anymore. XXXX XXXX Is my husband whose name is on the account. XXXX. I would like for somebody to please help me stay in my house. Everyone is calling me telling me it's going to get sold. I will be put out in XXXX.
Product: Credit reporting or other personal consumer reports

There are XXXX collections account on my credit report from accounts that do not belong to me. XXXX of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX MOBILITY. These accounts were not opened by me and ended up being sent to collections, having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is showing to creditors that I have a bankruptcy on my report. This bankruptcy was valid but had reached the 10 year limit in XXXX of 2019. The credit report no longer shows the bankruptcy under the Public Records section for me to dispute, but is still showing up in the main screen, still affecting my ability to get credit, and still affecting my credit score when it should have been cleared and removed 9 months ago. There was no way to dispute this on the website, I called 3 times to question it, 2 of them I asked for a call back and when they did I just got a recording showing they could not connect the call. The third time I waited on the phone for over 3 hours ( I checked the call timer ) with nobody answering.
Product: Checking or savings account

I have banked with Bank of America for several years. Seven months ago I went to the local branch located in XXXX XXXX, WA XXXX. I could not withdraw money from my atm card. I spoke with a customer service representative at the local bank and I was then told there was a freeze on my account due to fraudulent activity I was told. I spoke with a bank manager and he stated that there will be a investigation. I asked how long will it take 30 to 60 days. After two months, I got the same story. I have called several different people from the XXXX number to going back to the bank and speaking to the local branch manager. 
I have had direct deposit from my employers : XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX for several years. I have over {$6000.00} in employee wages that the bank refuses to release. 
I have called, I have waited and I am still getting the same answer seven months ago. 
I would like a full investigation in on this matter.
Product: Debt collection

A representative with KLS Financial Services Inc called my sister and gave her personal information regarding the debt collection efforts and asked to leave a message with her regarding a debt collection and a return number. My sister declined to take a message. KLS Financial Services blatantly violated my rights under FDCPA by talking to my sister about my debt and attempting to leave a message with her. I submitted a complaint in writing demanding that KLS Financial Services Inc provide me with proof of their debt and legal ability to claim/collect this debt and proof as to why they violated FDCPA by not providing me with initial notice of this debt. I did not ever give KLS Financial Services Inc permission to talk to anyone about this alleged debt. 

805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I demand that KLS Financial Services Inc be barred from any and all debt collections and alleged claims to debts. I demand that KLS Financial Services cease and desist all collection efforts and communications, including reporting this debt to any third-parties again. 

I request that CFPB and FTC investigate KLS Financial Services for violations of FDCPA against me and all collection efforts with other clients, including the review of phone call recordings.
Product: Debt collection

This complaint is in regards to Jacob Law Co. based in XXXX, MS . I spoke with this company on XX/XX/18 over the phone. This law firm is very unprofessional to speak with. I owed a debt to a different creditor for {$680.00} and it was sent and bought out by Jacob Law Co. They sent me one letter about the debt and then decided to sue me and take me to court over the matter. When I called to set up payment with them, they wanted to know all of my financial information. They asked how much I made, what my bills were, and wanted to get into depth about my whole life financially. This is absolutely uncalled for. There should be no reason a debt collector should know how much you pay for food and gas, ect a month! I was also belittled and asked so you just sit at home and do nothing with yourselfwhen I said I was a stay at home parent. They refused to take a payment until I asked to speak with someone else. The lady I spoke with took my payment but told me they would still be taking me to court. I asked to receive a record or invoice of the payments being made and was informed that they do not do that and I need to keep my own record of what is owed. So they will not send my anything in regards to what is left of the debt owed or any payments being made. How is this legal? Between the terrible customer service, bullying, and unethical practices, this company should NOT be in business!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry made by Factual Data on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
Product: Mortgage

The company started foreclosure proceedings, through an Utah attorney, after mailing all communication to a wrong address. I finally got the foreclosure stopped after many hours on the phone with lender 's customer service representatives. Many hours of lost work and stressful given I'm still unable to obtain access to certain credit capacities with this falsely reported derogatory information on my credit reports. 

The lender has provided written acknowledgement that the lender wrongly reported the derogatory information and also provided internal company information noting their error. Additionally, the lender in writing informed me that the credit file would be corrected over a year ago but still continues to report such. I've also opened disputes with all 3 credit bureaus the the lender won't remove the items from my credit bureau.
Product: Debt collection

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to ABSOLUTE RESOLUTIONS INV reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Credit reporting or other personal consumer reports

USC 1681s-2 deals with the responsibilities of furnishers information. The debt was written off as a profit loss which is a tax write-off. I demand a 1099c form from the following accounts XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX is XXXX but it is reporting as derogatory account. 
XXXX XXXX XXXX XXXX for XXXX. 

If the following company can not provide the 1099c, please remove accounts from TransUnion and XXXX Credit Bureaus
Product: Credit card

I have about {$13000.00} in charges from XXXX XXXX XXXX XXXX from XXXX. On XX/XX/XXXX, I noticed something off and huge charges coming in while at home and immediately called and cancelled the card and disputed the charges. On this day they charged XXXX, XXXX and tried a XXXX XXXX but it got denied. I looked back at my history and saw sneaky charges from them and disputed all of them. Someone was trying to cash out through fraud. Noticed this XXXX XXXX XXXX XXXX was sneaking in charges since XXXX. The merchant replied with receipts that do not have my name or anything on it. I do not recognize any of the names or anything related to this " business ''. In fact the receipts shown show " camera deposits '' or other things not related to anything medical related at all. In fact, they are posing as a XXXX dialysis center under an apartment complex address ( it is residential apartment when I googled it ). When you google XXXX XXXX XXXX XXXX their address is different and it is a medical center that would have your records. I called the real center Chase Bank issued the charges back to me after merchant lied that they were related to me and my dispute process has been frustrating. I have no idea who the person is, the business or immediately took steps to resolve it when it happened. These are fraudulent charges. Someone is posing as a medical center under an apartment complex and cashing out on my hard earned money.
Product: Debt collection

USAA HAS DESTROYED MY CREDIT. I HAVE BEEN DENIED CREDIT DUE TO UNRESOLVED ID THEFT. See attatched XX/XX/XXXX statement Balance owed {$470.00}. See attatched FRAUD LETTER CLAIM. dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( took ONE YEAR TO ** Complete Investigation ) UNAUTHORIZED {$470.00} transactions CREDITED. see attatched XX/XX/XXXX statement USAA ONLY PROVIDED {$59.00} CREDITS. ( **USAA HAS OWED ME {$410.00} FRAUD CREDITS SINCE XX/XX/XXXX & HAS DESTROYED MY EXCELLENT CREDIT SCORE. ** )
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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

While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
Product: Debt collection

Recently my employer ran a credit check on myself and unpaid balance on credit card from capital one appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest
Product: Payday loan, title loan, or personal loan

When obtaining this loan I was not aware that interest rate is almost 100 %. I borrowed {$3500.00} and will end up paying more than {$11000.00}. How? I can not afford that. In all honesty they were not forthcoming with this information after I applied online and they called me. I have been making {$140.00} payments every two weeks since XX/XX/2020 and I still owe XXXX. How? Somethings not right about this company.
Product: Debt collection

I do not owe the alleged debt and have no knowledge of this alleged debt. They have not provided me with original copy of written contract with wet ink.
Product: Credit reporting, credit repair services, or other personal consumer reports

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA XXXX THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL INVESTIGATION IS OVER. 



XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) - {$2200.00} NO KNOWLEDGE OF THIS ACCOUNT EXETER FINANCE LLC XXXX OPEN ( XX/XX/XXXX ) - {$21000.00} NO KNOWLEDGE OF THIS ACCOUNT