23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I moved to the XXXX from XXXX in XXXX and held HSBC debit and credit cards until XXXX as my XXXX accounts were active. I never used the credit or debit cards. However, my credit card was linked to my debit card for overdraft protection. At some point my account went into overdraft due to an erroneous transaction and started pulling money from my credit card for overdraft protection. I was never informed of this by HSBC and over the next XXXX years the credit card accumulated approx. XXXX XXXX  in fines and charges. HSBC says they sent letters to my old address which never reached me. In XXXX a collections agency called me stating that the debt has now been sent to collections. I reached out to HSBC and tried to resolve the issue, but they refused to cancel my debt. This is still showing up on my credit reports and I am unable to get a house loan. I would like this removed from my credit report as I feel HSBC has been unfair with this whole episode and tagged me with exorbitant charges fees that I never incurred. They made no sincere efforts to inform me of the glitch and all the monies owed are essentially HSBC fees and fines. Any help in this matter would be very appreciated. 

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

I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or results.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX  ( Original Creditor : COLLECTION ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I was contacted by a restricted number twice. ( XXXX ) I didn't answer. The same number called my wife 's phone and she answered. It was a man asking for me, when I came to the phone he shouted : " what happened yesterday? '' I didn't know what he was referring to. He then went over all of my information ( ssn, name, birthday etc ) said that " I missed my hearing yesterday and he will be stopping by. He gave me a number to Rocky Mountain Capital Management and said that he will be calling in an hour to see if I resolved this. It was a debt for XXXX XXXX loans. He made it seem like he was Marshall XXXX from your county. Through research, I found out his name turned out to be XXXX and he is not a marshall by title. 

I called the XXXX number ( XXXX XXXX XXXX XXXX ). No one ever said that " this is an attempt to collect a debt ... '' They were very hostile about providing me proof of my debt. They said they had been sending notice after notice to my home and via email. He said that he would have to contact my county every time an email is sent, and so he can't keep sending out emails. I demanded an email and settlement offer over and over but I refused to give any payment information. Finally, he sent one to my email. This proves that if they had been, I would have received the " others ''. They also had my current address so if they sent countless letters, I'd have " those '' too. I also know that there is a process. If the county wanted to send me notices or have me come to court, I'd know about it. It wasn't until I threatened legal action that he got off the phone. I contacted XXXX XXXX   directly and they sent me to the company that they sold it off to ( Rocky Mountain ) and they were not pleased to hear about the XXXX group using these tactics.
Product: Student loan

This is a follow-up complaint to  Case   #   XXXX  and  Case  #  XXXX . Case #  XXXX  was resolved by processing my REPAYE recertification which was properly submitted after receiving an e-mail from FedLoan Servicing asking me to recertify.  <P/>  Case  #  XXXX  was not resolved as FedLoan Servicing falsely stated that they would not capitalize the accrued interest into my principal balance. For some reason, FedLoan Servicing fixed the REPAYE recertification issue by placing my account into an administrative forbearance and then capitalizing all accrued interest into my principal balance. As of XX/XX/XXXX   , my principal balances were : {$240000.00} for  XXXX  and {$56000.00} for  XXXX . I was not aware the accrued interest would capitalize as I submitted my REPAYE certification when FedLoan Servicing requested and my account was placed into forbearance due to FedLoan Servicing 's error. After the administrative forbearance ended, my principal balances changed to : {$250000.00} for  XXXX  and {$58000.00} for  XXXX . This is a $  XXXX  financial penalty placed on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX XXXX. I was contacted by lexington law who informed me about a discount for service I gave them my debit card number. When I check how money was token off my account it was the full price. I immediately contacted lexington law and decline service. Another month pass by. I contacted lexington law and made a inquiry and found out they didn't provide me with any services and inform me they will refund me in a check because the debit card number on my account changed. Months went buy I contacted them on XX/XX/XXXX, and decline the refund saying the money was sent to the debit card number that was changed.
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to access my Transunion account online ; via Annual Credit Report & Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Kay Jewelers that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Kay Jewelers is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Money transfer, virtual currency, or money service

I have contacted their customer service many times, and they all told me that I could withdraw my money and ask me to change my browser. I tried many times, but I still couldn't withdraw my money. I want to withdraw my money. 
I keep making mistakes when I withdraw money Sorry, somethings not right. Please try again later. 
Go back My email is XXXX XXXX
Product: Debt collection

Keep trying to collect a debt on a car they took back for being one payment late. I had catering items int he car worth more then the car would not give back in fact held for additional payment after we worked out an agreement they reneged on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the lender Credit Acceptance Co in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. Credit Acceptance took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX Credit acceptance illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, XXXX Article XXXX XXXX, most notable XXXX and XXXX, and State XXXX  and XXXX XXXX a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Product: Bank account or service

I am writing in regards to the hacking that occurred at Scottrade XXXX XXXX, Scottrade, XXXX and Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
Product: Credit reporting or other personal consumer reports

I am wrote to CITI to urgently request that they remove the negative delinquencies from my credit report, which resulted from CITI Bank 's failure to follow through on my fraud report. These delinquencies have severely impacted my credit score and are hindering my financial progress. 
On XX/XX/year>, I initially reported the fraudulent activity on my account. I was assured over the phone that the issue would be resolved, and I would receive a new card. However, the new card was never sent, and I received no further communication requesting additional information. 
In XXXX, I received a call from CITI Bank requesting payment, which is when I discovered that the fraudulent transactions had not been addressed. I was transferred between multiple representatives, and it was not until I spoke with a security agent that I was asked to submit a police report, which I emailed to the provided email address. 
Although the account was eventually corrected, the interests and late payments resulting from the delayed resolution were not credited. This oversight has caused significant stress and has hurt my XXXX XXXX since XX/XX/year>. 
I have since spoken with a XXXX named XXXX, who worked on my account and brought it back to a XXXX balance. She apologized and assured me that the issue would be resolved once and for all. However, I have yet to see the negative delinquencies removed from my credit report.The account reports as charge off, and 150 days late payment. This has resulted in my great credit score of over XXXX to the XXXX now. I have a business plan I want to pursue but I cant move on because of this bad report on my credit. 
I am requesting that CITI takes immediate action to delete these late payments and charge off from my credit report. They were a direct result of the fraudulent transactions, which I reported and submitted a police report for. The presence of these delinquencies on my credit report is impacting my life severely. 
I would appreciate it if CITI expedites this request and provide a confirmation once the negative delinquencies have been removed from my credit report. 
Please find below my account information for your reference : - Account Name : XXXX XXXX - Account Number : XXXX ( note, I found out about this account number from the supervisor XXXX, the very old account ended in XXXX, I dont remember the full number ) If you need my SSN, call me on XXXX for that. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon.
Product: Payday loan, title loan, or personal loan

SoFi indulges in false advertising to get people to sign up for personal loans In my case, I was promised a {$10.00} incentive for checking the loan rate. But the company didnt send any incentive after even applying for the loan. The customer support doesnt know how to handle this and gives me the runaround. 

In addition the company promised a {$350.00} promotional bonus on getting a new loan. But when I applied for the loan the company said that the promotion was only for {$300.00} on my application even though the link I applied through clearly indicated that the promotion bonus was {$350.00}. 

These are two examples of how company indulges in false promotions to lure borrowers.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account at Citibank when they had a promotional offer of a {$500.00} bonus for opening a Priority Account. The requirements to meet the {$500.00} bonus consisted of opening a new Citi Priority Checking Account, depositing more than {$50000.00} new-to-Citibank funds and maintaining that balance for 60 consecutive days, and having a direct deposit into the account at least once a month for 2 consecutive months. I have met all 3 requirements. The fine print stated that the {$500.00} bonus would be deposited into my account after 90 days. I would assume that they would have done this by XX/XX/XXXX. A couple of months ago, I went into my local Citibank branch and one of the customer service representatives assured me that they would make that happen. When the bonus still didn't post, I went back 3 weeks ago to inquire. They seemed to file some paperwork but the bonus still has not posted as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The midland credit management company is in violation of the law. Under the 15 U.S. Code 1681- Permissible purposes of consumer reports. a ) 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 written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account or my consumer report. Further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. So therefore my private information has been shared to a company who I have no contract with. DELETE AND REMOVE this incorrect data from my credit report now.
Product: Credit card or prepaid card

I was a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts XXXX % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting XXXX % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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

There was a fraudulent hard inquiry pull on my credit that I didnt approve without my consent. It was pulled from the credit card bureaus, so Im filling this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have sent dispute letters to Experian Inc. asking to investigate some accounts on my credit file. I also asked to provide me with a copy of the original contract or any pertinent information of such accounts as stated under " Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Experian Inc. failed to provide me with any information related to the disputed accounts and offered a limited response saying that the accounts had been verified. I would like to have more information on these accounts as far as ; original contract, my signature on it, how they verified the accounts, etc.
Product: Credit reporting or other personal consumer reports

i have recently returned to the united states XXXX weeks ago and discovered that someone has been using my identity, i have been out of the country for the past 11 years and had no idea that this was happening. someone opened up lines of credit under my name without me knowing about it whats so ever until i seen my mail that i was reciciving collection notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today Saturday XX/XX/2022, I checked my credit report for Experian to find out an account using my social security number has been opened for XXXX  XXXX XXXX, and I did not open any new accounts using my social security number with XXXX  XXXX XXXX ever. I have received security alerts that my social security number has been compromised and this action appears to be the result of this fraudulent activity.
Product: Debt collection

I have no affiliations with XXXX  ; nor have I In the past.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to Rushmore Loan Management Services. The letter also stated Rushmore 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with Rushmore Loan Management I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of Rushmore. I was advised their company was a mortgage company. I informed the  employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XX/XX/2020 never identified Rushmore of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from Rushmore with information about XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX SERVICES XXXX XXXX XXXX - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX CARD ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!