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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : CHILD SPRT XXXX Balance Owed : {$29000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received another late payment as a result due to the HIPAA law I can not show you my doctor 's note but I am on a broken foot and I ca n't drive anywhere so it's impossible for me to be the police report this is getting out of ******* hand in this should be rectified immediately this is not my account I spoke to someone in XXXX they stated that I did not have account and there was nothing that you guys paid out neither have I ever been consulted with them So what exactly did you guys pay out and give. It wasn't for me this is not my account it gives me not driving I can not go get it this report this needs to be taken care of and I need a letter immediately to send to the credit Bureau or else I will be reaching out to a lawyer to sue you guys on my behalf because this is getting out of hand. false report reporting 2 late payments and it closed. this account was not open by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from XXXX XXXX XXXX however XXXX XXXX XXXX is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 Accounts : XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$4200.00}, XXXX XXXX XXXX Account XXXX : XXXX  date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX  XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$320.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 ) 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, credit repair services, or other personal consumer reports

OnXX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX 's problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XXXX with no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, 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 : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( XXXX XXXX XXXX ) # XXXX  Account name : ( XXXX XXXX ) # XXXX Account name : ( 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ALL THREE CREDIT BUREAU REFUSE DISPUTE INQUIRIES ON REPORT AND DROP POINTS OF XXXX POINTS ON REPORT
Product: Credit reporting or other personal consumer reports

Credit agencies are reporting negative student loan status when student loans were in forbearance or deferred per president and self reported. My student loans from XXXX, XXXX, XXXX which were managed by XXXX and XXXX are reporting late payments which are negatively reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late Payments from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law under 15 USC 1681B-Permissible purpose of the consumer reports the law Clearly states.

( b ) In General subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstances and not other. ( 2 ) In accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( perse ) 2.Negligent Enablement of identity fraud 3.Fair Debt collection practices act 15 USC1692g violations 4.Fair reporting act 15USC1681 violations willful noncompliance-616. Civil liability for willful noncompliance 15USC1681n Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS SHOWING THAT MY ACCOUNT HAS BEEN CHARGED OFF AND SOLD. I HAVE NEVER RECEIVED A XXXX FORM FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX ) Has Violated My Rights. 
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 States A Consumer Reporting Agency can not Furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was contacted by a fake number using my bank, Synovuses phone number. The scammer told me someone was making unauthorized transactions from my account. They asked for my username and password to my online banking and got in. After, the scammer sent themselves a total of {$7500.00} through XXXX. I called to make a fraud report and the bank neglected to shut down my XXXX account, so the day after they stole {$5000.00} they were able to get the other {$2500.00}. Filed a fraud report and it was denied by my bank and XXXX. Synovus says theres nothing they can do. I did NOT authorize these transactions or willingly send anyone money. I need to file through Regulation E to get my money back from this bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint against Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding a recent incident involving my account. I believe that Navy Federal Credit Union has engaged in unfair practices by withholding funds without proper justification, causing significant financial hardship for me and my family. 

Here are the details of the complaint : Account Information : Account Holder 's Name : XXXX XXXX  Account Number : Date of Incident : XX/XX/2023 Description of the Incident : On XX/XX/2023, a loan I received for {$300.00} was deposited into my account with Navy Federal Credit Union. However, upon the deposit of funds from a third-party loan, Navy Federal immediately seized the entire amount from my account to pay off a previously charged off account, without any prior notification or explanation. 

Attempts to Resolve the Issue : I have contacted Navy Federal 's customer service multiple times to address this issue. During one of these conversations, a representative acknowledged that the funds could be returned to me. However, despite their acknowledgment, Navy Federal has refused to take any action to rectify the situation or provide an adequate explanation for their actions. 

Financial Hardship : By taking the loan funds that I had deposited into my account, Navy Federal has caused great financial hardship for me and my family. I needed those funds to repair my car, which is essential for me to continue working and provide for my family. 

Texas Statute of Limitations : According to the Texas statute of limitations for debt collection, which is generally four years, the charged off account in question exceeds the statutory time limit for collection. Therefore, Navy Federal 's actions in seizing funds to pay off the debt may be in violation of the statute of limitations. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter, taking into consideration the significant impact this has had on my family 's financial well-being. I request your intervention in ensuring a fair resolution to this dispute. 

Thank you for your attention to this matter. Please feel free to contact me if you require any further information. 

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

Creditor Name : XXXX XXXX XXXX XXXX Disputed Information : Balance : {$3600.00} ( unverified ). 
Account Status : Open ( requires validation ). 
Account Type : Derogatory. 
Remarks : " Account information disputed by consumer, meets FCRA requirements '' investigation required. 
Original Creditor : XXXX XXXX XXXX requires verification of debt transfer and assignment. 
Dispute Codes XXXX : Not mine. 
XXXX : Claims inaccurate information account balance. 
XXXX : Claims inaccurate information account status. 
XXXX : Consumer states inaccurate information. 
XXXX : Disputes other information. 
Compliance Condition Code : XXXX  : Consumer disputes ; investigation in progress. 

Reason for Dispute The reporting of this account contains inaccuracies and unverifiable information, which I dispute as follows : The balance of {$3600.00} requires validation. I request detailed documentation of the debt, including : Itemized breakdown of the balance. 
Proof of debt ownership by XXXX XXXX XXXX XXXX. 
The account status is listed as " Open '' and " Derogatory, '' which is inconsistent with my understanding of the account. 

The remarks indicate that the account " meets FCRA requirements, '' but no supporting evidence has been provided. 

The original creditor is listed as " XXXXXXXX XXXX XXXX '' but no documentation of the transfer of ownership or assignment to XXXXXXXX XXXX XXXXXXXX XXXX has been provided. 

Requested Actions Validate the debt and provide supporting documentation, including : Original contract with XXXXXXXX XXXX XXXX 
Proof of assignment or sale to XXXXXXXX XXXX XXXX XXXX. 
Complete payment history and breakdown of charges. 
If the debt can not be verified, remove this account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the reporting, including account balance, status, and remarks.
Product: Credit reporting, credit repair services, 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. 

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, has violated my rights. 

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: Debt collection

A former co-worker, XXXX XXXX ( probably not his real name ) added a line to my XXXX cell phone plan and purchased a phone using a monthly plan to pay for it. I don't have the phone. I didn't authorize the additional line or phone. I have been battling this for the better part of 3 years. Please remove that collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on the negative items on my credit report. 
They stated that everything was accurate. I did a thorough research myself and found that it is still inaccurate on my credit report. 

Account- XXXX Account NumberXXXX AccountXXXX XXXX XXXX XXXX Account NumberXXXX Account- XXXX XXXX XXXX XXXX Account NumberXXXX Account- XXXX XXXX XXXX Account Number- XXXX Account- XXXX XXXX Account Number- XXXX in accordance with the fair credit reporting act each account above has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX OF XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

HSBC XXXX Branch at XXXX  XXXX/XXXX ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ) made repeated errors at multiple levels over a period of +30 daysin properly executing a formally requested international wire of {$320000.00} from HSBC to XXXX. The wire request was initiated on XX/XX/XXXX, but due to delays and error, HSBC did not abide by the client 's instructions. In fact, due to repeated errors, the wire was sent two times and the bank introduced new set of multiple errors again on XX/XX/XXXX.These errors by the remitting HSBC bank , have resulted in a substantial loss of funds ( {$5500.00} in net value + {$960.00} in unrealizedlost interest for 31 days@ 3.55 % ) ( {$5500.00} in net value + lost net HBSC interest for 1 month@ 1.8 % ). Had HSBC used the correct guidelines and customer instructions to process the first and second international wire on XX/XX/XXXX and XX/XX/XXXX, respectively, this loss could have been avoided. 

Point of Concerns 1. These repeated errors by a multinational remitting HSBC bank led to these funds being kept for almost one month under " so-called wiring stage '' and has raised serious concerns because the customer made repeated attempts to communicate instructions to immediately wire. 
2. HSBC bank did not follow specific written instructions provided to the branch and WIRE department on XX/XX/XXXX for no apparent reason. 
3. HSBC bank 's failure to use the complete SWIFT Code ; use of incomplete SWIFT Code along with IFSC Code used by domestic wiring ; and did not add 0 to the account number listed at second place. 
4. Why did HSBC intentionally avoid providing the SWIFT Copy and Computer generated printout of dated WIRE Path? 
5. Although the client co-addressed or copied all e-mail communication to the Branch Manager and Assigned XXXX Manager, both of these officer kept themselves out of communicating with the client. 
Did you contact the branch : 1. We contacted the customer service on XX/XX/XXXX ( see attachment 1 ) 2.  The bank responded on XXXX without honoring our complaint and a fair evaluation, while totally ignoring relevant factual errors created by the bank ( see attachment 2 ). 
3. We again contacted the bank on XX/XX/XXXX with our disagreement. The bank ignored toaddress points # 2 and # 3, while again the factual documentation about the wire instructions to HSBC in XXXX. We also pointed out that the bank letter contained statements that were not supported by any documentation, and that we specifically raised the issue that " both parts of your statement are false '' and provided supporting evidence from the material provided by HBSC and XXXX. ( see attachment 3 ) 4. Bank responded back again with a negative response, while again, ignoring the facts of the matters.