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

On XX/XX/2021, I received an email from XXXX stating that a background check was completed and it was found that I have an expired drivers license which could cause me to lose access the XXXX app. The email also stated that my sign up eligibility would be determined within a few days. I was provided a link to the consumer reporting agency Checkr to view my report. On the report provided by Checkr, it shows that my drivers license expired on XX/XX/2021 which is incorrect. What actually happened on XX/XX/2021 is my XXXX  drivers license was surrendered for a XXXX  drivers license. My XXXX  drivers license never expired. This information should have been updated instead of being falsely reported that it expired. Just in case any other false claims are made by Checkr, I must add that I was issued a new XXXX  drivers license on XX/XX/2021 with a new issue date due to updating my mailing address. On XX/XX/2021 I received an email from XXXX stating that they have decided to decline my access to the XXXX app based on the information provided on the consumer report provided by Checkr. They stated the specific information used to make their decision was the expiration date of XX/XX/2021. XXXX is how I make my money. When I lost access to the app, I lost apart of my livelihood. Bills are paid with this gig.
Product: Checking or savings account

I saw the advertisement online for a {$350.00} bonus after opening an HSBC Advance checking account and following several requirements : XXXX XXXX XXXX I opened the account on XX/XX/2018, deposited {$10000.00}, and left the money in the account for several months. After the 90-day window after which the bonus should have been given passed, I called HSBC several times. At first, they confirmed that I qualified for the bonus and told me the bonus would be given after 6-8 weeks of processing. After waiting 8 weeks and not receiving the bonus, I called several times again and was eventually told that I actually did not qualify for the bonus as they claimed I had not clicked the correct link when opening the account. However after several phone calls they can not tell me where I had signed up that was apparently the wrong place. 

In summary, I opened a checking account that fulfills all the advertised requirements for a {$350.00} bonus, but HSBC will not give the bonus because they claim I clicked the wrong link.
Product: Debt collection

I have received repeated phone calls from Sequium Asset Solutions regarding a debt that I have no knowledge of. I attempted to explain to them that I have no knowledge of the debt and requested that my number be taken off of their call-list, they still continued to call. After repeated phone calls and threats that this collections will hurt my credit score, they reported this collection to the credit bureaus and my credit score was severely impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitting a complaint please help me!!!! I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with experian, XXXX, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXo XXXX XXXX XXXX and PennyMac re Home Insurance payment for for XXXX XXXX XXXX, by Check no. XXXX, reference number XXXX. 
In XX/XX/2022 I submitted payment for my property home insurance to XXXX XXXX which was later returned back because the payment was made by XXXX XXXX XXXX, who is not a mortgagee under this insurance. 
Please explain why XXXX XXXX made this payment for my home insurance to XXXX XXXX if another company claims to be a Servicer and mortgagee. 
Please identify my creditor and its individual employee who authorized XXXX XXXX to make payment for my home insurance. Please provide this employees position with my Creditor ( it is a bookkeeper or an accountant? ) and full contact information for this employee, business address, phone number and email. 
Please identify XXXX XXXX individual employee who received this request from my Creditor to make payment to XXXX XXXX. 
Please explain why XXXX XXXX made payment from account which has routing number XXXX XXXX XXXX ; while I was instructed to forward XXXX XXXX  to alleged servicer and mortgagee PennyMac to XXXX XXXX XXXX with routing number XXXX? 
Please verify ownership of both accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime https XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Page 1 of 2 Company or Organization : Total fraudulent amount : {$0.00} Other Identity Theft Fraudulent Information on Credit Reports Credit Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Page 2 of 2
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I switched to XXXX XXXX on XX/XX/XXXX - on this date I also contacted XXXX to let them know to cancel my service which is month to month and I had just prepaid for the month of XXXX. I did request to be refunded the prepaid amount for XXXX and the representative said I would receive my payment back. I again called XXXX on XX/XX/XXXX to confirm my service was cancelled and the representative said yes they show I had called and cancelled and my refund would be sent back to me. I still had not received my refund by the end of the month. I contacted my back, XXXX XXXX XXXX XXXX XXXX and filed a dispute to get my refund and they filed and dispute and got my refund. I never got another bill from XXXX until XX/XX/XXXX. I wrote XXXX a letter and then I got a bill in XX/XX/XXXX and then it was turned over to XXXX XXXX XXXX and I sent a dispute to them on XX/XX/XXXX with all of my documents. Then it was sent to Credit Control LLC Debt Collectors as of XX/XX/XXXX and I filed another dispute. I have spoke with XXXX there on XX/XX/XXXX and XX/XX/XXXX and she said I need to wait for XXXX to send me copies of the bills. I can not access anything on XXXX since it says there is no account for me. I can not have 2 companies for my cell phone and XXXX is changing debt collectors and if they want to go to court I am fine with this. It is effecting my credit when I had excellent credit and have always paid my bills on time for all of my bills.
Product: Vehicle loan or lease

XXXX the XXXX 2020 XXXX XXXX I was going in to get coffee and gas as I was turning right on XXXX XXXX this guy you're on my side on the left lane with a phone in his hand hit my XXXX when the police was coming he got out of my lane and ran into with the right lane and I kept my vehicle where was that officer XXXX XXXX I was not allowed either tell my side of the story you told me not to go home and purchase insurance I told him that I least this car from fair Corporation a lady policeman it was with him you told her to go inside and talk to the witness the written is was never outside at all I went with my chest hurt me for 6 weeks took me 4 months to get my car back from the shop when I get my car back XXXX XXXX XXXX call me told me I owe {$9000.00} after paying {$5500.00} to rental services case number XXXX taking the police to court XXXX XXXX and guy to court I am willing to take a lie detector test
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX  , XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Debt collection

I recently learned that a medical collection account has been put on my credit report ( XXXX  ) by XXXX XXXX. It states it was first reported XXXX, XXXX. First, I have never received any written documentation from this company notifying me of any dispute and did not have the opportunity to validate, etc. Second, this company changes the amount owed by increasing it by {$1.00} each month and re-reports it to the credit bureau further damaging my score. It is my understanding per FDCPA that a collection agency CAN NOT charge you more than amount owed on any account. Third, I  constantly get phone calls daily numerous times after requesting I be contacted only via email or postal service as I do not have validation of this account belonging to me. I have requested validation and have not received. This company has numerous complaints filed against them for their continued unlawful practices. 

The XXXX has given AWA a rating of F. There are 30 closed complaints against AWA in the past three years, with 10 closed in the past twelve months. Almost all of these complaints allege problems with billing and collections, with 7 complaints alleging additional problems with customer service. The Consumer Financial Protection Bureau ( CFPB ) has logged 56 consumer complaints against XXXX since XX/XX/XXXX, alleging violations ranging from attempts to collect debts not owed, to inaccurate credit reporting, to misrepresentation and false statements. Justia lists at least 3 cases of civil litigation naming XXXX as a defendant. 

Further, in XX/XX/XXXX in United States District Court, Eastern District of Texas, a  judge issued an Order regarding a civil action brought against XXXX for alleged violations of the Fair Debt Collections Practices Act ( FDCPA ).
Product: Mortgage

I recently was approved for an in-house modification with Ocwen. I submitted the first payment which was due on XX/XX/XXXX. However, I went to make the second payment, which was due on XX/XX/XXXX and see that everything has reverted back to the foreclosure/default status and my payment due is XX/XX/XXXX and they will not accept payments from me. The agreement and paperwork clearly states that payments must be made " within the month in which it is due or modification will be cancelled. '' XX/XX/XXXX is clearly within the month. However, I see that the status stating " your loan has been permanently modified '' has been changed to " you may be eligible for a permanent loan modification. '' I would like to modify the loan and stay in the home but can not go many more rounds with Ocwen.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They put a 14 day hold on deposits .they didnt do that before.we where charged over draft fees wich made us be overdrawn on our bills and accounts. Subsiquently closing our account.XXXX to XXXX
Product: Checking or savings account

I have submitted multiple claims to Bank of America regarding unauthorized transactions, and their responses are simply unacceptable. Each time, I am told that their investigation concludes I either made the transactions or authorized someone to do so. This is accompanied by a printout of all transactions on my account. 

However, the transaction list clearly demonstrates numerous instances where the card was used for multiple charges with only XXXX second between them. Moreover, these transactions occur at locations that are at least XXXX minutes apart ( XXXX miles ). It is entirely impossible for anyone to travel XXXX miles and make a transaction in just XXXX second. I demand a thorough and fair reassessment of my claims. I am attaching list of transactions sent to me by Bank of America, I have highlighted the transactions in question and want them to investigate the transactions as a new claim separate from the existing claims XXXX and XXXX. Even though the transactions are apart of the above mentioned claims Bank of America did not catch these clear indications of the account being compromised. I have been reaching out online for anybody who has had this kind of problem with Bank of America and the response is overwhelming. This has really happened to a lot of people. I expect nothing less than another drawn out response that ends in a denial. i can only hope that maybe this complaint will actually come across the eyes of somebody who can help the many I have submitted multiple claims to Bank of America regarding unauthorized transactions, and their responses are wholly unacceptable. Each time, I am told that their investigation concludes I either made the transactions or authorized someone to do so, accompanied by a printout of all transactions on my account. 

The transaction list clearly indicates numerous instances where the card was used for multiple charges with only XXXX second between them. Additionally, these transactions occurred at locations at least XXXX minutes apart ( XXXX miles ). It is entirely impossible for anyone to travel XXXX miles and complete a transaction in just XXXX second. I demand a thorough and fair reassessment of my claims. 

Attached is the list of transactions provided by Bank of America, with the questionable transactions highlighted for your reference. I insist that these transactions be investigated as a new claim, separate from existing claims XXXX and XXXX. Despite being part of the aforementioned claims, Bank of America has failed to recognize these undeniable signs of account compromise. 

I am actively seeking feedback from others who have faced similar issues with Bank of America, and the overwhelming response confirms that many people are experiencing the same problem. I will not accept another drawn-out response that ends in denial. It is time for my complaint to reach someone who can effectively address this situation and help others facing the same challenges.
Product: Debt collection

Sometime after Hurricane Ida on XX/XX/XXXX, XXXX XXXX increased my internet bill without providing notice and without my agreement or consent. XXXX did not send a bill with the increased amount until after services were rendered. I contacted XXXX by phone to ask about the change and why I was not notified of an increase. I also asked them to provide the contract where I agreed to pay a higher amount, which they did not provide. I offered to pay the amount that was originally contracted for ( {$29.00} per month ), which XXXX refused. I cancelled my service with XXXX and switched to another provider in my area because I was concerned about additional price increases without notice. 

On XX/XX/XXXX, I received a letter from Radius Global Solutions LLC claiming {$110.00} owed to XXXX XXXX. I sent a letter in response on XX/XX/XXXX to the email address provided in their letter, XXXX. My letter stated that the debt was not owed because I did not agree to pay a higher amount for internet service and that Radius should cease collection efforts. I invited them to send documentation confirming the debt is legitimate. I have not received a response but was notified today that the amount is reflected on my credit report, indicating that Radius Global Solutions failed to cease collection efforts in accordance with the Fair Debt Collections Practices Act.
Product: Student loan

I was in school and all my accounts were deferred, they must have mixed up my file with someone else.
Product: Credit reporting or other personal consumer reports

I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Ive been a customer of Wells Fargo since 2013 and would like to be included in the lawsuit against them for money being wrongfully taken out my account causing overdrafts
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX Balance : {$0.00}
Product: Debt collection

FIfth third bank filed a complaint to garnish my wages for an account Ive had no knowledge of and that I never opened, I was contacted by a mediate company randomly stating I owe a sum of {$1100.00}, I tried to explain that I never had a account with FiFth third bank and that I was a victim of identity theft years ago, the address they have on file for the account was a address I moved out of over 10 years ago and from what I was told the account was sent to collections in 2019, also I contacted the Fifth third bank customers service and they could not give me any information on when the account was opened, I never received ANY mail or letters pertaining to this false account.