23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Applied for a rental property which was a verified listing on multiple rental network sites. Received a signed lease agreement and receipts as security deposit, first and last months rent was paid via wire transfer totaling {$4500.00}. The money was sent from my account with Wells Fargo to another account Wells Fargo, and I never received the rental property as it was fraud. Filled a claim for fraud with Wells Fargo who denied my claim and stated the receiving bank ( Wells Fargo ) would not return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and XXXX   attached ) I sent a validation letter to the company Amcol Systems. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$27000.00}.
Product: Credit card

Application # XXXX On XX/XX/XXXX, I was having issues getting my information to process on the website, but it eventually went through. I submitted an application for a pre-qualified amount of {$5000.00}. I called and inquired about this before I applied. I was told as long as the information was the same on my report from the pre-qualify soft pull, when the hard pull is performed that I would most likely be approved. I was denied and I was told by a representative over the phone that it was because of my current credit utilization. I was also told that I had a late payment in the last two years but the reason for the denial was the utilization. Most of my cards had a low or no balance. I feel that the pre-qualification tool was misleading because I know that it uses XXXX and that is the same bureau that was used for the hard inquiry. Nothing on my profile was different or had changed. I later checked again and the pre-qualification offer was still there. In the past, there had been times when I had no offers, so I believed this one to be accurate. I believe the application date was XX/XX/XXXX. I received notices in my online messaging, but am unable to open them. I receive a " technical difficulties '' message. I am still awaiting the decision in writing. 

On a separate occasion, on XX/XX/year>, I received an offer asking me to apply for the XXXX XXXX card. It was supposed to be a soft inquiry. I proceeded to check for an offer. The website said pre-qualify with no impact to your credit. After submitting some information, I was prompted to log into apply since I am a member and I proceeded to do so. I submitted the pre-qualification application and I was charged an inquiry on my XXXX report. I do not know the having to sign in redirected me to a different page, but there was no notice on the page that I was going through a different application process or that be subject to a hard inquiry. If so, I would have proceeded because at the time, I was not confident in applying which is why I chose to check for the pre-qualification. 

When I learned of the inquiry, I contact customer support. I spoke to a representative by the name of XXXX. He advised me that this was an error and he would be submitted. request to the credit department to have the inquiry reviewed and removed. I only noticed it had not been removed when the incident above occurred andI checked my report again. I mentioned it to the agent I spoke with recently about my most recent application and she advised me that she did see the call and gave XXXXXXXX XXXX name.
Product: Debt collection

I have contacted the agency TSI/XXXX which whom my debt is associated with several times and have not gotten answers or have been able to pay this debt off. Below is an email that I sent to the company that bounced back as one of their employees gave me a fake email address. I have tried to speak with supervisors on several occasions and below are the times I have called. No one will let me pay off or address this debt at all. I have been contacting them now for over a month!

Dear whomever this may concern, My name is XXXX XXXX XXXX. I currently have an open debt with XXXX XXXX Hospital of  {$2500.00}. They have passed on this debt to your collection agency. I have tried to reach out to your establishment on multiple occasions and have not gotten the answers or assistance I needed. 

I first contacted your company three weeks ago on XX/XX/XXXX. On this day I spoke to a man about settling my debt at {$1800.00}. He told me he needed to confirm with the hospital and for me to contact him again the following week. I then tried to contact him again, and no one answered my call. A week ago I called to follow up again and the people I spoke with told me absolutely nothing about settling this debt. They told me they had not heard back from the hospital. I find it very hard to believe that the hospital has not gotten back to them in three weeks. I even offered two staff members to pay {$1000.00} and be done with this. One staff member even laughed at the situation when I was trying to express my concerns. 

I demand to have my questions addressed and have this resolved. I am on the west coast so taking time out of my day to call your company that only has EST hours is very difficult. 

I would AGAIN like to settle this debt immediately and can pay {$1000.00} at your earliest convenience. I can be contacted via phone at XXXX between XXXX EST. Please have a MANAGER contact me tomorrow XX/XX/2019. This is my fourth attempt at trying to pay this debt. 

Thank you for your time and assistance on this. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record.

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$740.00} 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 card or prepaid card

I called to inquire about my credit card and was informed that it was closed due to it being over the limit for 5 months. It never shows it was closed, We were affected by COVID-19 yet I never missed a payment. I finally was able to bring the account balance under the credit limit and now the account was closed. I never received anything in writing about the possibility of the account going to be closed. Per the Cares Act, accounts can not be closed unless more than 3 payments are missed. I didn't miss a payment and thus closing my account is in violation of the Cares Act. Please re-open the account and remove any negative reporting that may have been reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Following hard 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  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  ) XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I used a promotional balance check from Capital One credit card company. I had a note on my calendar that the promotional due date expired on XXXX XXXX, XXXX. So, in order to avoid any interest charges, I was preparing my finances to pay the balance in full. I logged on to my account in order to verify my information and discovered that i could not locate ANYWHERE on the website the terms of the promotional agreement. It is also nowhere on my statements. I called and spoke with XXXX representatives, an initial customer service rep and then a supervisor, and was told that that information is not available anywhere on the website or my statements and that they could only verify the terms verbally. I requested an email or some sort of written documentation and was told that they were unable to provide that to me. My concern is that they have the promotional end date as XXXX XXXX, XXXX, which is 6 months later than what I have. I would like the full benefits of my original agreement, but as I am sure you understand, I am not comfortable taking their word for it. I have made notes as to names, dates, and time. My request for help is that I receive some written documentation of the agreement. My question is, How is what they are doing even legal?
Product: Payday loan

I am constantly being harrassed by a company called XXXX XXXX. They say they represent Castle payday and I owe {$700.00}. I told them that I did bot borrow that much. I offered to make payments and they refused saying it was n't enough. I have been called by several people, the most recent is XXXX at XXXX. He yelled at me and said he has me on tape refusing to pay, and will have me served legal documents at my job. They also called other family members, including my under aged grandchild. This behavior must stop. When I asked the person who called my last week there address, they refused to give it to me. Please help me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. XXXX is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error 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. 
Requesting for XXXX Late Payment and Account Removal. Requesting XXXX to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.
Product: Credit card

I enrolled in auto pay on XX/XX/XXXX. The email said I was enrolled and payments would start on the XXXX of the month. They did not deduct a payment on XX/XX/XXXX, charged me a late fee, and denied my request to waive the late fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. I would like to be kept informed about this investigation, especially regarding any potential malpractices by Zelle that may have impacted the monetary value or control linked to my bank account. The CFPB points out that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Checking or savings account

On XXXX XXXX XXXX I had my HSBC US Premier checking account approved. 
On XXXX XXXX XXXX I had my HSBC US Elite credit card approved. Annual fee {$390.00} was charged immediately after the card is activated. 
On XXXX XXXX XXXX my HSBC Premier Relationship Savings account has been approved. I immediately saved {$2000.00} in the account. 

I only used my accounts for online shopping payments. 
I do not owe money to HSBC. 
I do not have transactions to/from anybodies else. 
I still have about {$1200.00} saved in HSBC US. 

On XX/XX/, all my checking/saving/credit cards are *suspended* abruptly. I telephoned HSBC US for XXXX times, requesting the reason why. But HSBC US never answered my question. 

In a forum website, about XXXX persons reported account suspended, and most of them are also HSBC premier customers in XXXX / XXXX. It feels like HSBC US just suspended lots of Premier account in a batch without any consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I also addressed TWO letters to their CEO, XXXX XXXX which went unanswered, therefore, he is aware of what his company is doing. There have been Class Action Lawsuits regarding this very practice and in all likelihood there will be more.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed 3 complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has added a extra month of payments to my already set payment plan contract.
Product: Debt collection

Collection Services of Athens, who I never had a contract with or gave permission to trespass on my estate damaged my credit by trying to have me pay them for an alleged debt owed to XXXX XXXX. To stay in honor and understanding that I'm the true creditor I sent the presentment with an negotiable instrument and affidavit to satisfy the claim with a postal money order by register mail. Collection Services of Athens have received the package and have not responded but yet continues to damage my credit. I'm lead to believe Collection Services of Athens feels they can just hold the mailing and not respond or correct the record ( i.e my credit report ) to make me whole.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Secured Loan Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A Credit card Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account name XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXXXXXX XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX A Inquiries XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the law to ignore the law is going on six ( 6 ) months. Equifax on going of reporting illegal information of a Bankruptcy on my Equifax Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). Equifax has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). Equifax has re-reported the same exact account name and account number that was previously Deleted, Removed, and Block. That is a clear violation of the Fair Credit Reporting Act ( FCRA ). Equifax is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. Equifax has ignored and disregarded my dispute ( s ) of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting.

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.
Product: Debt collection

Bonneville collection received notice of my written dispute in the 30 day time frame to send the debt back to original creditor as I dont know anything about this debt. I contacted the better business bureau and they confirmed their fax for me. They failed to send back to the original credit and instead illegally reported the debt to all 3 credit bureaus which each is a major violation. I demand immediate removal of this credit reporting to all the credit bureaus immediately. I have filed this complaint with the CFPB as an additional measure for this willful violation of disregarding the law. 


Here is a transcript of the fax sent to them. 

From : " XXXX '' XXXX Date : XX/XX/2019 at XXXX XXXX  MDT To : XXXX XXXX XXXX Subject : Your fax to Bonneville Collections has succeeded Dear XXXX XXXX, Your fax to Bonneville Collections at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time on XX/XX/2019 Your fax included 1 page of coversheet with your text and 1 page of attached documents.