23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Fifth Third Bank is in possession of my loan ending in XXXX. I have not received calls on the delinquency ( the Bank stated they called on XX/XX/XXXX but no voicemail was left ) and have not received an email from this company since XX/XX/XXXX. I tried logging onto my online account to make a payment yesterday evening and this morning and couldn't log in. When I tried to call the bank this morning they were still closed and my account information wouldn't be accepted to make a payment. Shortly after trying to make a payment this morning my car was repossessed. I am only two payments past due ( 63 days ) and the last notification I received in the mail was XX/XX/XXXX, which did not state anything about the repossession of my vehicle if I didn't make a payment. When I called the bank for assistance this morning, letting them know I could make two payments today, and another next week, they refused to take the payment. They stated I must pay {$770.00} by certified funds in order to get the car back within 10 days. When I inquired about hardship assistance due to my partner being out of work due to XXXX, just having a child, and I was out of work due to an XXXX, they stated unfortunately I have to be current and made consistent payments for 90 days to even get assistance. This makes no sense and seems predatory when I am literally telling the bank we are experiencing a hardship. When I asked to speak with a manager this morning I was told they were having " computer '' problems and that I could leave a message. I would like this banks predatory and deceptive collection practices investigated. I would also like to point out that at no time was I informed on my billing statement or over the phone that Fifth Third is attempting to collect a debt ( aka they didn't provide the collection mini miranda ).
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 Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, Has violated my rights XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX, Has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # 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: Bank account or service

Dear Sir, On Friday, XX/XX/XXXX my wallet ( CCard, debit card & XXXX DL ) was stolen and subsequently money was taken out of my chequing account via debit card purchases at XXXX & XXXX ( over {$2600.00} in total ). Police reports were made to the XXXX XXXX Police Dept ( city where wallet was stolen ), and to XXXX XXXX Police Dept ( city where the frauds occurred ). Videos of the person ( s ) using the cards are available at the respective stores but will not be released to me, awaiting PDs collection, On Monday XX/XX/XXXX, I realized the Debit Card was frauded ( debit card used fraudulently on XX/XX/XXXX ) when I checked my account and immediately reported it to HSBC Fraud Dept. Note that I was immediately informed of a fraud situation by HSBC for my stolen Credit Card on XX/XX/XXXX itself, but could not stop the transaction of over {$810.00} on the Credit Card. A transaction of {$820.00} on the credit card was stopped however at about the same time. That said, I was not informed of the debit card situation on the XX/XX/XXXX by HSBC, which was frauded within about a 30 mins timeframe from the Credit Card. 

I have been working with HSBC Fraud Department ( contact as below ), primarily with XXXX XXXX, since XX/XX/XXXX. Since then, I have provided HSBC Fraud Dept with both the police reports, and have had numerous conversations with their CS Fraud Reps, and with XXXX ( over 5 calls, possibly more ). They have records of the conversations in their CS logs. Many excuses were raised as to why they are not moving on the case and refunding me the money on this case, the bottom line after many conversations, they are waiting for the PDs to " do something '' with the case - unfortunately, it seems like the PDs are ignoring this case and are not investigating for whatever reasons. I am stuck between the PDs and a huge bank that does not seem to care to want to take care of the fraud situation but is sitting on the case, seemingly to wait for the time to expire. 

I would appreciate it if you can help as I do not have any more data to provide HSBC as to my innocence - unless I am lying in the police reports, which I am not, and the videos should demonstrate that, I do not see what else I can do on my end, with both the PDs and HSBC. 

The contact/address for HSBC is as follows : HSBC BANK USA Fraud Claims & Recovery XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX ( apparently if you hold on, you can get to an operator ) Investigator worked with : XXXX XXXX ( XXXX I am attaching the police reports with all the relevant details accordingly in the reports and supplemental report. 

Thank you for your help!
Product: Mortgage

I am so discouraged. I am a licensed mortgage lender. When I tell a client that they will get their mortgage refund in 2-3 weeks, they get their escrow refund. We on the other hand paid off our mortgage XXXX XXXX, 2016 and still XXXX XXXX, 2016 are still being told the check is in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC credit XXXX profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {$4300.00} at a Chase Bank ATM they put a 10 day hold on it just like the previous three checks i depoisited from same maker and same company ( i have attached those deposit. 10 day hold for the first deposit cleared funds made available, second deposit cleared, funds made avilable 2 business day, third deposit 10 day hold, cleared funds made available, fourth deposit cleared, funds made available but then my account was restricted and then an email from Chase asking me to contact them soon as posible to resolve the matter or risk my account being closed now, so i did, they told that my acount was restricted and possilby closed if they couldnt verify the last check deposit i made with the maker that they would send funds to the state at a certain time, I gave them three solid phone numbers to where they can call and verify number of the check signer, phone number of the check signers husband and company number, rep said that those phone numbers were not verifiable i can not give them any other numbers its impossible.I filed a complaint within Chase Bank it was escalated to an executive rep calls me back few days later and says theres nothing they can do until they can verify that last deposit, I dont understand why not the first, second or third deposit, they said it was fruadulent, the last deposit? but not the XXXX XXXX deposits? 
i wasnt informed that they had to verify it with the maker until after the 10 day hold and funds were made availbel in my Chase account. Ive ask Chase is there any other possilbe way to get that check verified, " theres nothin they can do " is all ive been hearing, no suggestion no direction only to the complaint department which was useless, thats my hard earned money i am not a crook ive have never associated my self in fruadulent activity or in any other criminal behavior. this has cuased me significant stress Ive never been through this before.countless of phone calls going into the branch .I am poor and just trying to make a living. Its been almost a month and i have yet to see my money. my account has since been closed. I dont know where else to go i was directed to this website for some kind of help or direction to resolve this matter.
Product: Credit card

On XXXX XXXX, 2023 I made a purchase of almost {$2000.00} through PayPal 's 4 installment plan. Instead, PayPal, without my authorization, automatically opened a PayPal Cash Back XXXX XXXXXXXX XXXX XXXX in my name, and placed the charge on that credit card. I have not received the card, nor have I activated the card as requested on the PayPal website. 

I phoned the PayPal Fraud Department, and they indicated they would investigate and report the issue to the " credit bureau. '' I attempted to explain that that the product was purchased under the 4 payment plan, but I gave no authorization and made no application for a PayPal credit card, or for the use of one.
Product: Checking or savings account

First incident I called in XX/XX/year> or XXXX regarding an unauthorized charge to a merchant in XXXX for over {$200.00} to a shoe merchant online purchase and they advised to contact merchant and I did but merchant stated since they can not confirm who made the purchase I have to take it up with my bank and i did and nothing was done i chose to tskr it as a loss and move on. But then it happened again same merchant different charge months later and again I called and made a claim they said same thing called merchant anderchant said the same thing and chase did not protect me and did not address the issue I am in check systems why? I felt they owe me over XXXX but sent me to check systems over {$24.00}?? This is absurd
Product: Credit reporting

The credit reporting company Equifax will not allow me to place a temporary lift on my credit report freeze. 
The company 's website says it can not process the request ( " We are currently unable to service your request. Please try again later. " ). 
I have tried multiple times. 
The live person customer service phone line says all operators are busy then disconnects the phone call. I have tried this avenue multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXXXXXX XXXX  In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS CREDIT COLL Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX XXXX on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX  ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, are the result of identity theft and fraud.
Product: Debt collection

XXXX has consistently charged false invoices to my account for over a year, since XX/XX/XXXX, totaling hundreds of dollars. I did not send the packages for which they have charged me. I have no knowledge of them whatsoever. From googling, this appears to be some sort of common thing for XXXX. 

On multiple occasions, I have called XXXX to dispute these charges ( since their website automatically declines a dispute the instant you submit it ), spending hours on the phone with a call center. In a number of instances, they simply removed the charges and promised it would not happen again. But it did. After several calls, I finally asked them to cancel the account, which they confirm they did on XX/XX/XXXX. Nevertheless, in the months since, they have sent numerous additional false invoices, which I ignored based on comments from XXXX to do so. 

But on XX/XX/XXXX, a debt collector from RMS, contacted me about the outstanding charges for hundreds of dollars. I explained the situation to her, and she also confirmed that her file showed my XXXX account had been cancelled on XX/XX/XXXX -- before any of the invoices she was attempting to collect payment for had been issued. She instructed me to again contact XXXX and then get back to her. I have done so twice. Both time with promises from XXXX that their " back of house '' will zero out the charges and make sure my account is actually closed and no longer result in false charges. 

So, far nothing. No confirmation. No removal of charges. The false invoices are still shown as past due. The debt collection is still hanging over me. 

In light of these circumstances, XXXX is committing fraud and knowingly harming my credit, despite multiple acknowledgements by them that these charges are not actually owed by me. I am wasting hours and hours of my life trying to politely get them to leave me alone. 

The problem here is primarily one from XXXX, but RMS should not be attempting to collect debts when their file shows that the account was cancelled before the debts were supposedly incurred. There is no good faith basis to attempt to collect debts that are facially absurd.
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 TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refused to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 15 USC1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that i not initiated by a consumer
Product: Money transfer, virtual currency, or money service

XXXX customer stole my cashier 's checks and Chase is refusing to cooperate with XXXX to get my funds released back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

America express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking XXXX XXXX  about all the recording call from my cellphone XXXX
Product: Mortgage

On XXXX XXXX, XXXX. Ocwen mailed to me old paper work in regards to my current mortgage with the incorrect monthly amounts, the incorrect promissory note, which they are stating it is {$100000.00} which is a fabricated lie. I have the new mortgage which was redone by XXXX nearly two years ago with the new interest rate which is Fixed, the new amount which is under {$57000.00} dollars and a new monthly amount. I am requesting an investigation of the business practices of this company, which has systemic problems in providing me with correct information, etc. The old mortgage was signed by me in XXXX. Ocwen mailed me outdated documents. I mail my monthly payments to the XXXX XXXX XXXX, XXXX office. The Ombundsman XXXX XXXX mailed me a copy of the old outdated mortgage. XXXX out of XXXX XXXX, XXXX is out of the business. They gave me a fraudulent subprime loan and promised to work with me, if I paid on time for one full year. Ocwen regular monthly payment is {$440.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports