23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company Dispute Resolutions contacted me as well as my family telling me that I was going to get sent to court and the debt I had from Check n Go from 7 years ago that was less than {$250.00} was being sued on me for defrauding a financial institution, and numerous other charges and if I didnt take care of it then, I could be taken to court. I cant afford that. I set up a {$50.00} payment plan that did not go through and I spoke with the gentleman again to ask questions and he began yelling at me calling me names. Now another man is contacting my family and I called asking them to stop contacting my family and he threatened to serve me with papers. I called that number about trying to get the calls to stop and all they did was yell at me and call me a XXXX  XXXX and told me that the number I called was apparently a mistake. When I asked who XXXX XXXX was ( the person who left the message with my family ) He said I was a coffee and donuts XXXX like the president said and the reason they are calling my family is to find me. I said scammers make threats and insult and yell at people. He asked if I wanted to come have coffee and donuts and then said no Id be too XXXX  to do that. He called me a low IQ person. I asked for their address and he hung up. Its scary. That callback number was XXXX
Product: Credit reporting or other personal consumer reports

Collection from XXXX XXXX XXXX should be removed from XXXX. TransUnion has removed it due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed that some of the information was erroneous. Under section 605b of the FCRA you are required by law to delete the account, as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my XXXX XXXX and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX  XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} ; XXXX XXXX Balance : {XXXX}.
Product: Credit card

The XXXX XXXX dealership replaced my tires with last year 's inventory and sold them to me at a price higher than the market rate. I traveled a long distance to pick up my car from their store, and if I hadnt paid at the time, they wouldnt have given me the car, leaving me unable to get home. After returning home, I discovered that the tires were from old stock. 

Now, Amex has stripped me of my rights to dispute this charge simply because the merchant provided evidence of my signed transaction, which I find unfair and one-sided. You cant deprive me of my rights as a consumer to argue for a refund just because I signed under those specific circumstances. I believe this isnt the approach of an American company. 

I now request to reopen the dispute for this charge. 

New dispute information : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my credit.
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 XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fcu XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXedit 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: Debt collection

I continually receive telephone calls, emails, and letters about my deceased husband 's credit card. It was NOT my card. My husband did not have an estate as he had both a will and a living will and what assets he had were co owned with me. An affidavit of XXXX has been filed. The I was told by XXXX, whom is trying to sic these harassing folks on me, that I was not responsible. Evidently one department doesn't communicate with the others. Please stop this harassment.
Product: Credit reporting or other personal consumer reports

I am the XXXX  XXXX, XXXX XXXX for the Principal XXXX XXXX XXXX XXXX attempt to opt of reporting services for the XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX According to the IRS an unpaid Chargeoff is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below XXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by another Lender. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the 1099-C form
Product: Credit reporting or other personal consumer reports

I have disputed several accounts put on my credit report from XXXX XXXX  and XXXX. After Experian claims to investigate these accounts they left the " INCORRECT ACCOUNT '' on my profile. They themselves have stated the accounts are incorrect. However they refuse to remove them.
Product: Debt collection

This is identity theft. We received information from Security Credit Services ( XXXX XXXX XXXX ( that we owe on a phone Leased from XXXX XXXX XXXX  ) .We did not lease this phone and never owned it. They say we owe {$480.00}. We have tried to explain this to them and have sent a notarized letter with this information. We even made a report with our local police dept.
Product: Checking or savings account

On XX/XX/XXXX, I applied online to open a HSBC Advance Checking account and also made a deposit of $XXXX. The account was opened to satisfy HSBC’s new checking bonus of $XXXX. The terms and conditions included:Open new HSBC Advance checking account by XX/XX/XXXX.Deposit a minimum of qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening.Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance.Supposedly I was to receive the $XXXX  bonus 6 to 8 weeks after the completion of the 90 days period. Technically, by XX/XX/XXXX, I had satisfied all the requirements. Two months had passed and by middle of XX/XX/XXXX, I still had not received the bonus. I contacted the bank via live chat to inquire the status of the bonus. A customer service representative (CSR) indicated that the bank would start the investigation. Since then, on numerous occasions, I have contacted the bank either via live chat or telephone calls to inquire status of the investigation (case# XXXX). In XX/XX/XXXX, I was able to speak with a supervisor level CSR by the name of XXXX. He ensured that the issue had been escalated and the bank would send me an update in the next 2-3 days. It did not happen. So I tried to contact them via live chat was able to get through XXXX, on XX/XX/XXXX. He again promised me that he would send me an update in 2-3 days. On XX/XX/XXXX (not 2-3 days promised), I finally received a response from the bank indicating that the investigation is still on-going and a response will be sent to me in 2-3 days. It is now XX/XX/XXXX, and I still have not received a response. I’m very tired of HSBC’s false promises and delayed responses. After more than 8 months of the money being deposited into HSBC’s checking account, and 5 frustrating months after meeting all the requirements, I still have not received the bonus of $XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Open XXXX XXXX Bank XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I, XXXX XXXX XXXX DID NOT GIVE TRANSUNION, XXXX, XXXX ANY WRITTEN INSTRUCTION.
Product: Credit reporting or other personal consumer reports

XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the XXXX  off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and experian to no avail. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX. Is not my account! 

XXXX XXXX {$1000.00} Is not my account! 

XXXX XXXX Is not my account! 

XXXX XXXX Acnt # XXXX {$9200.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX # XXXX {$820.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX  XXXX Acnt # XXXX {$1700.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX  XXXX Acnt # XXXX {$3800.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$2900.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$570.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt # XXXX. {$360.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt # XXXX {$770.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX # XXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX / XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : last payment :
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Mr Cooper under XXXX XXXX XXXX, are very unprofessional, inconsistent and not knowledgeable with all the informations. I started inquiring about how to do " XXXX XXXX '' since our mortgage is under FHA. We can apply from it, since the original borrowers are my " direct family member '' ( brother/nephew ). So we started applying this year around XX/XX/22, they said, need " deed of transfer '' which we made it thru notarized and registered already to our XXXX XXXX XXXX " transfer of ownership '' was now under my name " XXXX XXXX ''. They said, it's denied coz the period of time lapsed within XXXX days. So, they open a case again and denied on XX/XX/22 coz they said they need " proof of relationship '' with the original borrower, we submitted and again XXXX days lapsed again. The problem with them, they only update you if you call them and will tell only by the phone not even sending you email of letter, if we need something else to be completed. Every time i call them always " under review '' to the XXXX XXXX the XXXX days lapsed again and again and again. Now, today at around XXXX i called them again and i spoke with XXXX he said, the " XXXX XXXX '' will not gon na be granted to us, because it can be with the " spouse or children '' by the orginal borower. As far their requirements from the documents they sent to us " direct family member '' included with the questionaires for assuming party/selling party, If they have changes they should revise it with the stated dates, but not at all. What i'm understanding " XXXX family is limited to the XXXX XXXX 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 don't think MR COOPER knows what they're doing or processing " Loan Assumption ''. The mere fact why they never told us in the beginning, they keep us prepared documents almost the beginning of the year. The time/effort/money we spent to make this things legally under our name now. PLEASE HELP US. They're not FAIR. They'll probably has plan coz the " real estate '' is down and they want us probably to start all over again, the offer us HIGHER INTEREST. Since literally we are paying the mortgage and legally and registered under our name " XXXX XXXX  '' We really need your help. The previous complaints we made, all lies, nothing solve.
Product: Checking or savings account

I had to file a dispute for 4 charges on my navy federal debit card. One was a duplicate XXXX  charge, which was credited. One was a XXXX transfer that was declined, but I was still charged for it. One was a purchase from an online XXXX site called XXXX XXXX, which was denied. The last one was an atm withdraw error, which was denied. I was told that if any additional information was needed, than I would be contacted. I was suppose to receive some kind of form in the mail. I never received this form to submit my information. I only received a letter stating that my claim was denied. Than an additional letter stating that I needed to bring my account with a positive balance in so many days or that it would be closed. My account should have never been closed, nor with a negative balance to begin with. Additionally not only was my checking account closed, but my savings account was closed too eventually. I have been trying to figure out how I could escalate my issues and was told to file a complaint with the cfpb. Please help me get my issues resolved. My last option would be to file a small claim, which is an even lengthier process that I don't want to have to do. I want to submit the documents that I had available and fill out the form that was suppose to be sent to me to resolve my claims.