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

Collection account from XXXX XXXX XXXX
Product: Checking or savings account

Sue HSBC plc  bank and XXXX XXXX XXXX  for XXXX each total XXXX asking for money to pay clearance certificate lawyer asking XXXX dont have that kind money right now XXXX XXXX Thanks reading this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Located at XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, U.S. Department of the Treasury, Chief Legal Officer, HSBC Holdings plc, XXXX, XXXX. 
Justice XXXX XXXX XXXX Email : XXXX Sent from XXXX for XXXX  Freeze my account of XXXX XXXX dollars for clearance certificate
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the 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 XXXXXXXX XXXX  {$970.00}, XXXX  XXXX {$2500.00}, XXXX XXXX XXXX {$1600.00}, XXXX XXXX  {$1600.00}XXXX XXXX XXXX {$3000.00}, XXXX {$730.00}, XXXX # XXXX, XXXX {$480.00}, XXXX XXXX {$250.00}, XXXX {$310.00}, XXXX XXXX {$470.00}, XXXX XXXX {$630.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Consumer Loan

Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me.
Product: Mortgage

My ex wife was rewarded our house per divorce decree XXXX %. The loan on the house is serviced through OCWEN Loan Servicing. Since the divorce was final my ex wife was able to do a modification on the loan. The application forms included her info and her income only and the modification was approved. Since then OCWEN has continuously called me on the account whenever there 's anything negative. Slow pay, no pay, or whenever she wo n't answer their calls. They call me for any and everything. Problem is that I have been completely blocked out from this account and when I call OCWEN for answers, They tell me that I do n't have access to the account because I have been removed by request from my ex wife and also protection of information security through OCWEN. This account is still being reported on my credit and there is absolutely no cooperation from OCWEN Loan Servicing. Whenever OCWEN calls me and i ask questions on why I have not been removed from the loan due to my ex wife doing a modification on the home, I ca n't get an answer. I ask OCWEN for information on the status of the loan and why are they reporting negatively on my credit after allowing her to do an approved modification, I have sent a copy of the divorce decree, and there is a submitted quick claim deed. I ca n't get any information from OCWEN after numerous attempts. I have been given the run-around on an account that 's reporting negatively on my credit. I have been locked out of the account for some time now. OCWEN Loan Number XXXX. I feel that I 've exhausted every possible avenue in trying to have my information removed from this account and I encounter a dead end every time. 
Property in question is, XXXX XXXX XXXX XXXX . 
XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had XXXX CTs taken out XXXX times on XXXX XXXX I had XXXX taken out 6 times from XXXX. On XX/XX/year> I had XXXX taken out 3 times and on XX/XX/year> I had XXXX taken out from XXXX XXXX. All these even not much caused my account to become over drafted which cost a lot. This is just a few problems of money being taken out of my account. This is with Cashapp
Product: Credit reporting or other personal consumer reports

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
Product: Checking or savings account

I opened this account with CitiBank in XX/XX/2020, from an online promotion. The promotion was that I would receive a bonus of {$750.00} if i deposited {$50000.00} and left it there for three months. When I checked in XX/XX/2020, they told me that I needed to leave it there another 90 days and that everything was inline to receive it on XXXX XXXX. Here we are in XXXX, and now Im being told that I need to fax the offer to them ( i dont have it, as it was originally online ), and that they dont typically do that offer. Wrong on all counts, there is a {$700.00} promotion going on right now for the same account. I was told that a supervisor would call me back today, and have heard nothing My case number assigned to me, actually had someone elses name on it.
Product: Debt collection

Sent a Debt Validation letter to Synter Resource Group via postal mail, email, and certified mail. The Debt Validation has not been responded to. Synter Resource Group continues to harass me. Synter Resource Group has failed to provide proof the debt is owed, but keeps issuing invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion on XX/XX/2020 to have inaccurate information on my credit report disputed. Representative told me the account was not reporting. Just pulled a copy of my credit report on XX/XX/2020 and it shows that the account is in fact reporting. XXXX XXXX XXXX XXXX with a balance of {$1600.00} is a result of identity theft and fraud. Wish to have this investigated and removed. As any unnecessary delay could impact my household negatively as we are victims financially of covid 19.
Product: Debt collection

CREDIT COLLECTION SERVICE at XXXX XXXX XXXX XXXX, MAXXXX. Put the amount of {$290.00} dollar. The collection has been reported as past due balance collection. I dont know this company I have never done business with this company. This company does not have contract with my my signature.
Product: Credit card

I placed an order online for XXXX  # : XXXX and unfortunately have not received the items. I have filed an affidavit and theft report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was scammed into buying American Express gift cards. {$1000.00}. This person was impersonating XXXX of my professors. I attend XXXX XXXX XXXX 
I have called American Express to get those charges disputed as I did not make those purchases. Till now, no one wants to help me. I have tried everything from being out on hold for over 2 hours but all they say is they can not dispute the charge. Everyone tells me a different story. 
I have gone ahead to file a police report to help me with this. 
Can you please dispute those charges for me.
Product: Debt collection

I purchased a piece of property on XX/XX/XXXX. At that time, I paid HOA fees in the sun of {$110.00}, for the year of XXXX, From that point through XX/XX/XXXX, I received no information of a payment schedule, HOA point of contact, or any other HOA related information. In XX/XX/XXXX, I received a letter from Schwartz Vays, a collection, agency, for a past due HOA fee and additional fees added by the collection agency, in the amount of {$360.00}. The HOA was {$110.00} and remaining amount were additional fees, added by the collection agency. These fees were not approved in any contract or agreement within the HOA. 
The collection agency was contacted XXXX XX/XX/XXXX, immediately upon receipt of collection bill. Only then was I provided the HO a point of contact and phone number. I contacted XXXX XXXX, XXXX XXXX. She indicated, billing was sent to my address, but were returned undelivered. Notifications were sent to the wrong address. XXXX XXXX emailed XXXX XXXX XXXX on XXXX XXXX to explain the situation and requested Reduced charges, since the non-payment was to no fault of mine. XXXX XXXX was nonresponsive. I followed up with the email on XXXX XX/XX/XXXX to request immediate information relating to the billing. Again the company failed to acknowledge or respond to the correspondence sent by me or XXXX XXXX ( HOA ). 
Schwartz Vays was contacted by phone and a written dispute was entered into the companies website on XXXX XX/XX/XXXX. This informed the company specifically at the disputed amounts which included the companies additional fees. These fees were unauthorized in accordance with the fair debt collection act. They were not authorized by the HOA contract. Once again, no response was provided and the company continue to add additional and late fees. This goes against the companys correspondence as indicated, if you contact us through your online account or right to us by XXXX, XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. The company continue to send correspondence, indicating a lien would be submitted on my property if payment was not received. There was no acknowledgment of the dispute or any other communication. 
The company has violated my rights in regards to communication and the dispute process, but has also wrongfully added charges which goes against the fair debt collection, practices act, which states the collection of any amount, including any interest, fee, charge, or expense incidental to the principal obligation. Unless such amount is expressly authorized by the agreement, creating the debt or permitted by law. Fees charged in excess of {$260.00} were not in the HOA agreement.

These fees also are against the unfair debt collections act ( Tex Fin Code Ann 392.303 ) ( 2 ) Collecting or attempting to collect interest or a charge, see or expense incidental to the obligat
ion unless the interest or incidental charge, C, or expense is expressly authorized by the agreement, creating the obligation, or legally chargeable to the consumer. Once again, these fees were not authorized or agreed upon in the HOA.
Product: Debt collection

In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from The Money Source Inc to XXXX XXXX at sometime in XXXX or XX/XX/2021. The loan transfer effective date in The Money Source Inc 's statement is XX/XX/2021. The loan transfer effective date in XXXX XXXX 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The Money Source Inc. See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or XXXX XXXX. I should pay nothing to XXXX XXXX. XXXX XXXX refused to admit the fact and asked me to make the payment. I contacted XXXX XXXX weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. XXXX XXXX doesn't actively contact the money source and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on XXXX XXXX 's record. The XXXX XXXX threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The Money Source on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.
Product: Mortgage

MY name is XXXX XXXX I have a mortgae loan with nation star Loan # XXXX I lost my wife in 2014 of XXXX I no longer have her help with her income due to her death I am a XXXX year old man I tried to modify my loan with nation star because as of XXXX XXXX they want me to pay {$1800.00} these people are very unprofessional my daughter XXXX XXXX have been calling everyday to speak to a XXXX XXXX and she has not respond not even one call from her than she contact a XXXX XXXX XXXX and they filled out paper work and summit to nation star. and today she called and they told her I was denied for the modification I have never been late on my payments I can not pay that amount that they want I want to keep my home since its the only thing that I have left and many memories f me and my wife all I ask is to please give me an affordable payment and a low interst rate that I can pay my kids help me out with the bills due to the fact that I can pay them all by myself last year I had a XXXX XXXX help me out with my loan but he never told me that the interest rate and mortgage would go up they lied to me and I am an American citizen and I want justice as you can search my records I have never stop paying my mortgage even when my wife died so its not fair that they do n't care if I loose my house or not but I do to many memories I hold in this house please I need you to help me I told them I was going to contact you and they said so do what you have to do,,, were dealing with un professional people here once again please help me my phone is XXXX ) XXXX be free to call me anytime Sincerely God Bless XXXX XXXX
Product: Checking or savings account

i called XXXX to close my account and they said they cant and wont. 

i want my account closed and my money returned to me. they are holding my money hostage aka theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information reported on my credit report by Equifax. I have identified several inaccuracies regarding my personal information, account details, associated phone numbers, employment records, and unauthorized credit inquiries, which need immediate attention and rectification. 
Incorrect Addresses : The following addresses listed on my credit report do not belong to me and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX Account Information : The following account details are incorrectly reported and I request they be corrected or removed as applicable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Incorrect Phone Numbers : The following phone numbers listed do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX Correct Phone Number : XXXX Incorrect Employment Information : The following employment information is incorrect : XXXX XXXX XXXX XXXX  XXXX Correct Employer : Veteran Affairs Incorrect Marital/Co-Applicant Information : XXXX is incorrectly reported as my spouse or co-applicant. 
Unauthorized Credit Inquiries : The following credit inquiries were not authorized by me and should be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request prompt investigation into these discrepancies and the correction of my credit report as per the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of documents supporting my claims. Please inform me of the outcome at your earliest convenience. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is furnishing inaccurate information for the account XXXX XXXX XXXX XXXX on my credit report. Experian was notified on XX/XX/2023 that they are reporting incorrect information on an unverified account. Experian and XXXX are reporting inconsistent dates for the date last active which is a violation of the FCRA. This information is not credible. There can not be 2 different dates reporting for the same account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter which is dated, and time stamped.
Product: Debt collection

this company reported to the credit bureau XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$980.00}
Product: Credit card or prepaid card

I am a victim of identity theft and I made my bank card aware of this capital one I had a card that wasnt even active and they allowed to charge to go on that card and I never even had a card in my possession. I didnt get a card from capital one until after the purchase and I showed them proof on my XXXX XXXX account that Ive already paid for this XXXX  ticket on my XXXX XXXX but they said that since I took too long proving that it was not my charge that theyre not gon na take it off my account and then I have to pay for it anyway. I didnt take too long because I sent them exactly what they ask for I replied to their email.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX XXXX XXXX, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Payday loan, title loan, or personal loan

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection company keeps repeatedly paying a low amount ( $ 1- {$2.00} ) on the debt, but are saying that I paid it. I have not paid anything on it since XXXX of XXXX. The account has been tampered with on several occasions over the last XXXX years. The last time they say I made a payment was XXXX of XXXX, but I didn't. Also, I would like some kind of proof from them showing where I paid them these ridiculous amounts.
Product: Checking or savings account

The company American Express Savings Bank closed my account ending in XXXX with XXXX in it. I asked how the company planned to disburse the remaining balance in the account, and the company said I had to go to one my linked bank accounts and recall the XXXX. There is no mechanism to do this with, as the remaing balance in the account was generated through interest over time, there was not a XXXX deposit made into the account and there hasn't been any deposits into the account anytime recently. American Express provided no solutions for me as a customer to withdraw my remaining balance. I have this call recorded.