23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing in reference to my Advance Checking/Saving Accounts with HSBC Bank. On XX/XX/2019, in response to HSBCs advertisement offer ( Offer ), I opened an Advance Checking/Saving Accounts ( the Account ) in the local HSBC branch ( XXXX XXXX, NY, Personal Banker XXXX XXXX XXXX # XXXX ). Pursuant to the terms of the Offer and, as stated in my Account documents, after opening an HSBC Advance combined Checking/Saving Accounts with a balance of at least {$10000.00}, I would automatically receive {$370.00} after 90 days from the date of the account opening. As indicated above, the Account was opened on XX/XX/XXXX of 2019. I complied with all the terms of the offer by opening the Accounts for the required {$10000.00} and maintaining the balance of at least {$10000.00} for more than five months now. According to the terms of the offer and my Accounts documents, I became eligible to receive the promised {$370.00} in XXXX, 2019. However, HSBC declined my request for payment of {$370.00} without providing any explanation for their failure to honor the terms of the agreement. I called and spoke with at least 4 representatives at HSBC and the Manager XXXX but, as of today, I have not been given any explanation as to why my request for the promised {$370.00} was declined. I opened my Accounts in reliance of HSBC representation of promised payment of {$370.00} within 90 days. I have satisfied all the requirements for payment eligibility and HSBC breached its promise without providing any explanation for their refusal to honor the terms of our agreement. 
.
Product: Credit reporting or other personal consumer reports

These accounts where open with out my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was just informed that Bank of America has turned into the IRS a XXXX for {>= $1,000,000} in proceeds I received from my foreclosure. I didn't receive a dime. They said this is standard procedure. Are they crazy?
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX XXXX XXXX regarding a payment issue that I encountered on XX/XX/. I believe that the company has not handled the situation appropriately, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter.On the aforementioned date, I made a payment to XXXX, and unfortunately, it was rejected by my bank, XXXX XXXX, due to an error. I have attached the rejection letter from XXXX XXXX for your reference. The letter clearly outlines the error that occurred, leading to the rejection of the payment. I immediately contacted XXXX to explain the situation and seek assistance in resolving the matter.
Product: Debt collection

I have never done any business with this company nor do they have a wet signature of mines.
Product: Credit card

To whom it concerns at wells fargo, XXXX from XXXX took the claim unauthorized personal loan and credit card. My personal bank XXXX XXXX Bank asked why when this company took out {$6200.00} in unauthorized payments to a credit card and person loan payments unauthorized, which I never applied for. Then I told you who applied XXXX XXXX XXXX opened both accounts when I was in the hospital for 6+ months with XXXX XXXX. XXXX XXXX used the credit card maxed it out and was able to beneficial from XXXX person loan. They keep every other day when wells fargo made a huge mistake, to refund it and they have disputed {$1300.00}, {$4900.00} still owed to my account. Then the number XXXX, case numberXXXX people get rude and disrespectful on the whole situation why?
Product: Credit card

First Tech is charging me random late fees when I'm not late. Attached is part of my statement to show a fee of {$25.00} charged on XX/XX/XXXX. You can see from the statement that my payment was made on XX/XX/XXXX, a day before my XX/XX/XXXX due date. I've also included a letter dated XX/XX/XXXX about paying {$200.00} to bring my account current, which my account shows. 

There is no rhyme or reason of how they calculate what's due, what is or isn't paid on time, or what does or does not receive a late fee. 

In XXXX, I spent hours on the phone with First Tech and spoke to a supervisor named XXXX, as I was concerned they were going to report me late when I wasn't late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, floridaXXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XX/XX/XXXX I am filing a formal complaint requesting the removal of account XXXX XXXX XXXX - XXXX from my credit report due to multiple inconsistencies and lack of verification by the credit reporting agencies. 

Detailed Description : The account in question is reported inconsistently by XXXX XXXX and Experian, with the following specific errors : Inconsistencies in credit limits and balances : XXXX reports a high credit of {$1900.00}, while Experian shows {$0.00} and XXXX {$1800.00}. Both agencies report different credit limit amounts. 

Incomplete Payment History : XXXX does not display any details about this account, which represents a lack of information. 
Current creditor verification : XXXX, XXXX, and Experian were unable to provide the name or details of the current creditor. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure that reasonable credit report information is accurate and verifiable. In this case, the agencies have failed to provide complete or verifiable account information, which has caused me undue harm. 

XXXX XXXX XXXX XXXX
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 and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL ONE BANK USA XXXX
Product: Credit card

A hard inquiry that I never made with Capital One on XX/XX/XXXX  was added to my credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I XXXX XXXX am writing to expunge the following information from my file. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

XXXX XXXX XXXXXXXX apparently after 12 years of living in XXXX and have this account with XXXX ( Account paid in full ) and no matter I paid in full they damage my credit for 7 years and after having damaged my credit for 7 years they again placed a collection on my credit that has already met the requirements by law. I am not sure who they really are but I am sure that account is not mine and if so they can no longer damage my credit since they did it years ago and this account complied with their damage and was eliminated from my credit by law. Please coul you help me to remove this account from my credit report because this is not fair.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting me as late on XXXX of my credit cards ( more than 30 days ). I have never been late. I submitted the information to all XXXX Credit Bureaus, called customer service at XXXX XXXX and confirmed I was never late 30 days. They had a department I could not speak to and could only send registered letter and information. 

I provided statements to the credit bureaus and copies of my bank statements and sent the same to the department at XXXX XXXX. 

They are still reporting me as late.
Product: Student loan

Two incidents of Identity Theft and Loan Fraud were detected in my credit report. Both were student loans issued to XXXX XXXX with me as the co-signer. I submitted fraud packets as requested by Navient and XXXX XXXX ( both attached ). XXXX XXXX release me of liability promptly ( release letter attached ). However, Navient seems indifferent, even though as per Fraud Affidavit, I am a victim of Identity Theft and Loan Fraud which resulted in unauthorized use of my personal information such as name, DOB, SSA #, and my tax return to obtain approval for a student loan for XXXX XXXX. I have never consented to, nor signed any documents relating to this student loan for XXXX XXXX in any capacity. 
Additionally, I have always personally signed loan documents ( promissory notes included ) usually notarized. I have never allowed electronic signatures to be used on my behalf for loan documents ( promissory notes included ). These details were related to Navient 's fraud department employee name XXXX ( ID # XXXX ) on two separate calls in which this employee express indifference and indicated my situation may or may not ever be resolved.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Dismissed Date Filed/Reported XX/XX/XXXXReference # XXXX XXXX XXXX  XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

This company froze my bank account, 1 of them without my knowledge. I receive VA Benefits monthly, and I believe banks are not supposed to be freezing these type of government federal funds as they are protected. I explained that to them. They told me they are not refunding anything. This is illegal. They are returning everything that comes to that account ; how about you return my VA benefits and other money.
Product: Debt collection

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX # XXXX {$6600.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | ( XXXX ) XXXX Can you look into this matter?
Product: Credit reporting

Equifax is reporting a number of outdated and erroneous accounts on my credit file. I notified them of the errors and they completely ignored my request to verify the timeliness of specific accounts which, had Equifax actually conducted an investigation and done their due diligence, they would know that these accounts are being reported in violation section 611 of the FCRA. 

First of all, there is a XXXX XXXX XXXX account which not only is missing information : Scheduled payment amount -- blank, Date of last activity -- blank, XXXX months in 2015 " no data available '' -- I believe it was in one of these months that I paid the balance off on this, I do n't have the records anymore because it 's over a year ago and I do n't hold on bank statements and receipts once I 've filed my taxes for that year, I get rid of it ), and has confusing information : Date of XXXX delinquency : XXXX, Date of Delinquency XXXX reported : XXXX -- what took them so long to report?. And most damaging to my credit score is what information they are reporting is DEMONSTRABLY and BLATANLTY FALSE. It says my credit limit was ZERO for this card. Really? Zero? Then how did I rack up a bill of almost {$9000.00}. If you 're saying that my credit limit was zero, then essentially, you 're saying that the entire balance of that card was accrued without my understanding and knowledge, because according to you, I had a credit line of ZERO on this card, and therefore did n't expect it ever to reach a balance of {$8000.00}. 

This account 's information is far to corrupted to be considered reliable by any reasonable standard and I demand that Equifax remove this account from my credit file immediately, or I shall pursue further action in addition to filing this complaint. Thank you.
Product: Debt collection

This is also a matter of fraud and identity theft, but not identity theft for myself. 

On XX/XX/24 I sent payment to a friend {$1600.00} through Venmo. In fact, this was not my friend, but was someone posing to be my friend. Once learning this information, I immediately contacted Venmo ( within hours ) with this information. At that time, they told me there was nothing that could be done and I should only utilize Venmo between friends and family. When I explained that this was a friend, or so I thought, they told me again, there was nothing they could do because they had already paid the party the money. 

On XX/XX/24 I contacted my back, who informed me that the transaction was pending and had not been paid through my bank. At that time, I instructed them to stop payment on the transaction and I signed a consent form for that to be done. I them informed Venmo that I had stopped payment on this transaction, and they told me that I still owed the money because they had already paid it even though it had not cleared my bank. 

After receiving an email XX/XX/24 saying that they were trying to recover their funds and that I owe them {$1500.00} ( I had a positive balance of {$40.00} in my account ) I reached out to Venmo via email to notify them that I would not be paying this ( Full email attached in word document to this form ). 

On XX/XX/24 after receiving multiple phone calls and discussing the concerns, I stated that I wanted to file a dispute. I emailed that day as well ( attached ) XX/XX/24 received a phone call from Venmo collections- after reiterating the situation I was told that no dispute has ever been filed. I was transferred back to the customer service department and informed them again that I wanted a dispute filed. At that time, and via email, I instructed them to file a dispute and provide me conformation of that dispute within 24 hours. I never received any notification of this dispute being filed. At this time, I also stated that if they did not respond to my request within 24 hours that I would retain legal counsel on this matter. ( Emailed attached ). 

To this date I still have not received confirmation of them filing a dispute but continue to receive multiple phone calls a week from the Venmo collection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXXXXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX XXXX {$2800.00}
Product: Money transfer, virtual currency, or money service

I filed dispute numberXXXX Against Paypal I have a consumer protection office for my account XXXX And their response was that they took my money, which amounted to XXXX dollars, because they felt that I was selling counterfeit products. 
Why did Paypal not notify the police against me because I am selling counterfeit products? 
How does Paypal take money when it admits that it is a crime - and conceals it from the police and investigation authorities. 
Why did Paypal not inform the company that claims that I have counterfeited its products in order for legal measures to be taken against me. 
If I, as Paypal claimed, I sell counterfeit and forged products and this is a crime according to the law - Paypal has committed several crimes for covering up that crime, appropriating the money obtained from it, and investing that money in its projects, which is the crime of money laundering. 
Paypal explicitly acknowledged that the money was obtained from selling counterfeit products - and instead of reporting to the police, they took the money for themselves. 
And US law punishes anyone who learns of a crime and does not initiate to inform the authorities, because he is thus considered a participant in it. 
They also took those money for themselves, claiming that it was to make amends for the damages suffered by them. According to the law, these funds must be handed over to the police authorities until they are investigated with me into those allegations that are deterred by Paypal. 
The Consumer Protection Office must take deterrent measures against PayPal so that they stop seizing the money of depositors under the guise that they are violating the law because that is a crime of extortion The Consumer Protection Office must open my dispute again and open an investigation against Paypal to protect American companies that people imitate their products and Paypal in the end seizes the proceeds of the sale without informing the police, which affects the American economy
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and noticed I had fraudulent accounts on my report
Product: Credit reporting or other personal consumer reports

My SSN was used to open a credit card with XXXX XXXX XXXX