23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First received a telephone call from XXXX XXXX XXXX stating I as trustee of my XXXX XXXX XXXXamily trust owed them {$190.00}. I told them to send me something in mail and I'd review. They did try to get me to pay over the phone. I refused. 

Just received mail stating I owed {$190.00} to XXXX as debt collector for Citizens Bank NA. I called Citizens and the account referenced in the letter does not exist. I have not paid anything. I'm not aware of anything owed, this trust literally only has an insurance policy in it so it didn't make any sense, given everyone still alive. 

I believe this is fraud attempt to collect a debt that does not exist. When I called Citizens I was told they do not send claims to XXXX. I fear the public will pay and possibly turn over their information to this company. Letters and calls were pretty professional, I'm grateful I did not scan any QR codes, or get on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX # XXXX XXXX XXXX # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

XXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account Number : Unknown Dear Sir/Madam, I am writing to formally dispute the account listed above, which is reported by your agency ( Sunrise Credit Services , Inc. ) and is attributed to XXXX. After reviewing my credit report and account records, I have determined that this account is fraudulent and does not belong to me. The account was reported as opened on XX/XX/XXXX, with a balance of {$210.00}. I have never established any services with XXXX, nor have I authorized any transactions associated with this account. 

The only service provider I have ever had dealings with is XXXX. In addition to disputing this fraudulent account, I kindly request that you provide a record or proof of any driver or technician from XXXX who may have visited my home to install any of their services. I have never had any XXXX service installed at my residence, and I would like to verify any such records to assist with resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Student loan

I am trying to pay off my student loans with Aidvantage and the payment keeps getting rejected. I am using the correct account number and I have the money in my account so I dont know what else to do. On XX/XX/XXXX I submitted a payment of {$6400.00} and the payment was reversed. I called the second time asking why it was reversed and the lady I spoke to said it was a bank issue. I asked to make the payment over the phone, I gave my card information which was on XX/XX/XXXX, for {$6400.00} and that was reversed. The third time I submitted was XX/XX/XXXX, for $ {$6400.00} and that was reversed as well. On XX/XX/XXXX, I submitted another payment for {$6400.00} and I am waiting to see if that goes through. As you can see the payment keeps going up and I dont know what else to do.
Product: Checking or savings account

Previously, I lodged a complaint regarding the related incident with HSBC US ( XXXX ) with reference ID : XXXX. For specific details, please refer to the background of the previous complaint : HSBC XXXX initiated a global HSBC account closure for me in XXXX last year for unknown reasons, which was responded to by HBUS in XXXX. Subsequently, XXXX XXXX withdrew the account closure decision at the end of XXXX, and then HBUS also withdrew their account closure decision. Due to the rude and baseless account closure decision by HSBC XXXX, making it impossible to continue trusting them, I applied to close my XXXX XXXX account on XX/XX/XXXX through a branch of XXXX XXXX, completely closing my XXXX XXXX account. Moving to XXXX, HBUS suddenly initiated a request to close the account. This time, I am certain it came from HBUS, and HBUS is the chief culprit, using severe terminology such as " financial crimes. '' In fact, I really don't understand this behaviour, because whether it's HSBC XXXX or HBUS, they both claim it is suspected " financial crimes, '' but neither has provided concrete evidence. 
Since I am alleged to have committed financial crime, I can not condone such a nearly " defamatory '' label. " Financial crime '' is a very severe accusation. Since HSBC believes there is " financial crime '' but is secretive about the specific reasons, fine, I will submit all the monthly account statements issued by HBUS to the regulators. Due to the simplicity of the transactions, each monthly statement is basically only XXXX page, so I spent approximately XXXX hour annotating all the transactions. Anyone interested only needs about XXXX minutes to review them. 
I am actually very curious, all transaction types can be summarized into XXXX categories : self-named transfers within the HSBC group , HBUS credit card auto repayments, HBUS interest distributions, and transfers between my HBUS checking and savings accounts. Which of these transactions does HSBC consider as " financial crime ''? The largest transaction among all is just {$10000.00}. The reason was in XXXX, attracted by the high-interest rates of HBUS, I planned to open a fixed deposit with HBUS, but due to the framing by HSBC XXXX , HBUS decided XXXX close my account, so I had no choice but to transfer the funds back to HSBC XXXX XXXX XXXX that's all. Moreover, after HBUS retracted their close account decision, to show my willingness to continue cooperation, I transferred {$600.00} from HSBC XXXX XXXX to HBUS. Since XXXX, besides this transaction, there was only a {$1.00} transfer to the checking account and credit card auto payments. 
For these transactions, HSBC considers them as " financial crime '', making one suspect that HSBC might be arbitrarily closing customer accounts just to meet regulatory anti-money laundering requirements.
Product: Checking or savings account

I was looking for a puppy for XXXX to my kids, I saw on XXXX a business page named XXXX XXXX XXXX puppies for adoption. I sent a message for more information, and this person contacted me through XXXX. She sent me pictures and videos and information about the process and the total cost, including delivery. At first, this person said her name was XXXX XXXX and said her business was located at XXXX XXXX XXXX XXXX TX XXXX also asked for a registration and processing fee of {$270.00} that could be sent by XXXX to $ XXXX or by XXXX to XXXX XXXX to XXXX which I sent through XXXX from XXXX Bank of America account on XX/XX/2023. A few days after I received pictures of an envelope with documents inside it was supposed be the change of ownership documents, she asked for my information for the delivery and asked for the rest of the cost which was {$270.00} more, it could be sent by cashapp to $ XXXX to a person named XXXX or by XXXX to XXXX XXXX XXXX which I sent through XXXX from XXXX Bank of America account on XX/XX/2023. A week after this person sent a video about the puppy and asked for the rest for the delivery, I sent it through XXXX from my Bank of America account on XX/XX/XXXX the resting amount of {$180.00} to XXXX XXXX, or XXXX XXXX to XXXX. I was contacted by text messages by her supposed husband named XXXX XXXX, he said the delivery agency they were using was not working out to send the puppy to my address so they were planning to used XXXX for the delivery. This was what he sent and said that they were asking for a kennel and extra charge of {$350.00}. At that point I noticed it wasn't right. I told him what I was thinking they were scamming me. They have been sending me messages from this phone number, and from messanger through XXXX XXXX XXXX facebook page which now she said is her name asking for more money to deliver the puppy. I went through her page and comments on other pages and notice this person is also scamming people from the business XXXX page named XXXX XXXX and XXXX XXXX  puppies for adoption and rehoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian Credit Bureau on three separate occasions by certifies return receipt mail via the United States Postal System., Each attempt has failed and been unsuccessful.. The problem is that on my account specifically that of XXXX XXXX XXXX XX/XX/XXXX, Account Number XXXX Date Opened XX/XX/XXXX., Experian has failed to correct my Payment Status to : Paid As Agreed not the the current Payment Status : Current but was 30 days past due., As XX/XX/XXXX and XXXX XXXX have Purported since XX/XX/XXXX, XXXX, Please let the record show and reflect that on this date of XX/XX/XXXX @ XXXX Eastern Standard Time XXXX that I hereby have no claims or disputes with the account and the way its been reported by XXXX XXXX XXXX XX/XX/XXXX..I have had no issues with the information being reported correctly on my XXXX XXXX and XX/XX/XXXX Credit File XXXX Only Experian XXXX They are in violation of the FCRA Subsection 623a which specifies that Experian has a DUTY to CORRECT and UPDATE INFORMATION., And that a furnisher that regularly furnishes information is also required to notify the Credit Reporting Agency if it has determined that previously furnished information is not complete or accurate and to correct that information., To this date Experian alone has failed to update my Payment Status to, Paid As Agreed. I have no disputes and or claims of erroneous reporting by XXXX XXXX as I will provide them a copy of this complaint which is strictly and specifically directed at Experian Solely.
Product: Vehicle loan or lease

I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent EXPERIAN an identity theft report to block/remove all accounts furnished that were part of the XXXX XX/XX/XXXX data XXXX. EXPERIAN continues to verify accounts on my consumer report without giving the method of verification or providing an investigative consumer report as required by federal law. I understand that credit agencies like EXPERIAN, use an E-Oscar machine to process dispute letters, which is inefficient in verifying information contained in consumer reports the correct way. I have requested through dispute letter that EXPERIAN provide the method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), it has been received as of XX/XX/XXXX. I understand that EXPERIAN must provide me the method of verification within 15 days of my request or the information must be deleted. 

EXPERIAN is also in violation of 15 USC 1681b ( a ) ( 2 ), i the consumer did not give written authorization for EXPERIAN to furnish anything on my credit report. I demand EXPERIAN produce the certified documents showing I gave authorization for this negative information to be furnished on my consumer report. Also, EXPERIAN is in violation of XXXX USC 1681a ( 2 ) ( B ) by furnishing approvals of specific extentions of credit on my consumer report. These are direct violations of federal law. 

I spoke with an authorized agent for EXPERIAN whom told me that EXPERIAN is not in violation of any federal laws and they are required to place transactions on my consumer report whenever a creditor sends them in and there is no authorization needed from the consumer. The authorized agent for EXPERIAN whom i spoke with and is over my consumer report is XXXX XXXX, his direct line is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On XXXX reports from the XXXX credit bureaus, the payments are listed as 30 days or less delinquent, and on XXXX report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( Equifax ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  didn't do anything and now I'm coming to you.. Equifax is refusing to handle dispute requests and has been since XX/XX/XXXX. They are failing to due their job when they receive dispute requests I have contacted Equifax on several occassions by mail and even by fax on unauthorized credit inquires and I have even sent letters by certified mail and directly to the attention of the CEO of the company and still no assistant.. Equifax is not even responding back to any disputes and its not just me.. Several people are dealing with these same issues and as consumers it is not right. The CFPB need to hold them accountable or class action law suits should be filed immediately. 

I want the following handled immediately. Unauthorized XXXX- inquiry XX/XX/XXXX XXXX- Inquiry- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Debt collection

This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between Caine & Weiner and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested three separate times that XXXX, TransUnion, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation
Product: Debt collection

This is in regard to account number - XXXX, Original Creditor Name : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX XXXX  bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ). 

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 or other personal consumer reports

I thoroughly reviewed again my credit report and I can still see the fraudulent item that needs reporting and correction through your company. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that
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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 XXXXXXXX XXXX 

15u.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.