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

It has been well over 30 days and I have not received a resolution or any communication regarding the previous complaint below : On my Equifax account under XXXX. Collections, it currently states " You do not have any collections in your file. However, when i go to XXXX. Other accounts, it lists under XXXX ) XXXX XXXX XXXX XXXX with account status collection, XXXX ) XXXXXXXX XXXX XXXXXXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXXXXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. All 6 of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency. According to my credit report, I do not have any collections as stated under section 10. Collections. I also noticed under XXXX. XXXXXXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX account status is charge_off with a reported balance of {XXXX}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXXXXXX account status Charge_off, the date of elinquency is inaccurate, XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX account status Charge-Off , the date of delinquency is inaccurate, the same applies to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are also listed inaccurately under revolving accounts. The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per XXXX law. I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Money transfer, virtual currency, or money service

A XXXX transaction w for XXXX was sent from my Chase bank account that I didnt authorize didnt know who the person was and was told they couldnt do anything about it cause it was already sent which sent me in the negative account was closed and it was charged to me account still closed and have me owing Chase XXXX dollars
Product: Debt collection

On XX/XX/XXXX I received a letter from this company in regard to a debt owed. I sent a copy of a written dispute and request for verification on XX/XX/XXXX and also contacted the company via phone to report the dispute. They explained they would note the account in dispute. I again contact them Mutiple times asking for a status of the dispute and was told they had not received the letter. Again on XX/XX/XXXX I sent a 2nd Dispute and request for written validation. I followed up again with multiple calls stating the dispute was noted and they were waiting on the letter. On XX/XX/XXXX the account was reported to the credit bureau, does not report as in dispute. Most importantly I still have not received my written demand under the requirements of the FDCPA. I believe this debt is invalid and in unable to be verified. I also believe this company has failed to follow the FDCPA and has not provided the validation as requested. Both written letters are attached.
Product: Mortgage

HSBC XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX/ HSBC XXXX XXXX stated that a check for the amount of {$3000.00} was sent out XXXX XXXX. I XXXX XXXX informed HSBC XXXX XXXX that I did not receive the check. HSBC XXXX stated that she would reissue the check. I XXXX XXXX called XX/XX/XXXX and spoke to XXXX and asked her whether or not HSBC reissued the check. HSBC XXXX XXXX stated that she was out and she would contact me XXXX XX/XX/XXXX. I called HSBC XXXX XXXX and she stated that she was in a meeting and she would return my call later on today. I did not get a phone call from HSBC XXXX XXXX concerning the check for the amount of {$3000.00}. I'm waiting for a representative to call concerning the issue. I XXXX XXXX called and have requested a payment history for XX/XX/XXXX - XX/XX/XXXX. I XXXX XXXX have requested statements for year XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. A HSBC Rep created a workorder and the information should be sent to Fax Number XXXX. The HSBC Rep stated that the information should be available within two days
Product: Credit reporting or other personal consumer reports

The inquiries below are on my report not by my permission. These are the names and dates of each one. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.
Product: Checking or savings account

Approximately 9 months ago I was added to my significant others checking account, the person assisting asked if I wanted to open a savings account as well, I said yes. 2 weeks before XXXX, after the accounts were all used for 9 months a transaction from navy federal out of my savings account totaling {$500.00} wiped the savings account completely out. After attempting to get answers for 3 days via phone, and in person it was concluded that they didnt know and that it was from a charge off account but it was so long ago they could not obtain information. I initiated a dispute to the bank for the prior account ( the only account I had ever had there prior was a joint account which they were very adamant this account was not ). I disputed ever having my own account in 2013, since I was not authorized to have my own account there with this company considering I was no longer affiliated with the XXXX. The only information provided to me, despite numerous requests to provide proof/documentation that they were authorized to blindly wipe out my account, was that there was a balance of {$650.00} from a charged off/closed account in 2013. ( 10 years ago ) I initiated disputing ever owning my own account, and the knowledge of any of this, as well as inquired as to why Id be allowed to join this bank on a joint account, open a savings account, use the accounts for 9 months, before having my account wiped out without any knowledge, and without being provided proof. When I asked for proof, I was told we sent it to you. I have received nothing thus far from this bank regarding money owed, or proof that I owned a private account. I had to quickly release myself from our joint account so no more money would be taken from us ( as it was made clear an additional {$160.00} would be taken immediately once deposited ) causing turmoil 2 weeks before XXXX and funds that were supposed to be deposited. It caused NUMEROUS overdraft fees resulting in {$250.00} in fees on top of the charges that didnt go through. Financially for us XXXX and the XXXX  were ruined due to this banks inability to be professional.
Product: Money transfer, virtual currency, or money service

My account was credited XXXX $ and that got sent to 2 different people I was scammed into being a money mule and Ive tried to contact chase and work out what I could do and they just say they dont see anything but I get letters from J.P. Morgan and on my app saying that they are requesting the XXXX $ back I dont have and Im in the military and joined account with my dad I have all the information of the other person that I need
Product: Debt collection

I recently checked my XXXX Credit Report and saw that Southern Tier Credit Collections had placed two negative late payments on my report. One for {$6600.00} and the other for {$1700.00}. Supposedly these accounts were opened on XX/XX/2018 at XXXX XXXX XXXX XXXX in XXXX NY. I have no knowledge of these bills, was never contacted regarding them and never asked for payment either by the hospital or the collection agency ; therefore the bills were never late. I have no knowledge of, or have any medical insurance claims for this date, or date range, and my medical insurance company, XXXX, believes that this may be a case of medical fraud, fraudulent medical billing or an illegal collection with made up amounts by Southern Tier Collections. I am asking that someone look into this matter. I have disputed this matter with XXXX but all Southern Tier Collections will tell the credit reporting agency is that they believe the account belongs to me. However, there has still been no attempt at contacting me ; this leads me to believe that this collection is fraudulent and I would like assistance in getting this removed from my credit report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/2023 I had a credit of {$2100.00}, but then in XXXX it was removed, need to know why and no one could tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Validate Credit Report Information Dear Consumer Financial Protection Bureau, On XX/XX/year>, I sent an affidavit to the CEO of Equifax, demanding proof of validation for information reported on my credit reports. Despite my request, I received no response from the agency. Instead, they began disputing the information themselves, further suggesting that they never intended for the reported information to be accurate. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to validate and verify information before reporting it on a consumer 's credit report. Their failure to adhere to this legal obligation has resulted in continued inaccuracies on my credit reports, causing financial harm and emotional distress. I am demanding immediate corrective actions, including : Permanent deletion of all unverified and inaccurate information. Compensation for damages resulting from these inaccuracies and their failure to comply with the FCRA. I request a prompt investigation and a response detailing the actions taken to address these concerns. Thank you in advance.
Product: Credit card or prepaid card

AMEX XXXX This company is going to make money off my XXXX XXXX  at a business they paid and a business who furthermore blackmailed me and threatened my family 's life. 

Do not do business with American Express.
Product: Debt collection

The 2nd lette r indicates date of service as being  X/X/16   . I was NO longer in the hospital at the time. As I indicated on my  XX/XX/16    letter, I had  XXXX   XXXX  but as soon as I no longer had insurance due to some error on their part I was released from the hospital although I was still in a compromising condition I consider this a negligent behavior on part of the medical center.  <P/> This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.  < P/>
Their offices have reported invalidated information to any of the 3 major Credit Bureaus (  XXXX ,  XXXX  or  XXXX  ) this action might constitute fraud under both Federal and State Laws. The state attorney and insurance commissioner I am sure would be happy with the billing practi  ces.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I called TransUnion to file a dispute on XX/XX/year>. I dialed ( XXXX ) XXXX. I was on hold for over an hour. I was then connected to a female ( XXXX ) in the XXXX. The agent then disconnected the phone on me exactly at XXXX XXXX  XXXX. This is known as call-avoidance. This is not a one-time isolated event. TransUnion has a pattern and practice of doing this. I seek to hold TransUnion accountable. Please sanction TransUnion. I will continue to file valid complaints, each and every time this happens. In addition, I will follow up with more valid complaints with the : FTC, CFPB and XXXX.
Product: Debt collection

I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8.  An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting

I have a collection account from XXXX XXXX systems # XXXX. The address stated on the report is XXXX XXXX, XXXX, Texas XXXX. Phone number XXXX. This was for an XXXX charge at XXXX XXXX XXXX XXXX. I Called XXXX XXXX and they stated I do n't owe anything, my balance is {$0.00}. I also called the collection number and spoke to XXXX. She confirmed that I am not the person they are looking for, but wants me to fax her my ID and social security number. Should I Do it?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have disputed this bankruptcy several times. However this time I provided proof that The Us court does not report to them.. They refused to remove the this item.. They also completely ignored the other request! I requested to have them both removed immediately.. They Denied one and ignored the other..
Product: Credit reporting

I tried to get my free report. I thought I was in the process of getting my free report, but when I went to get it on line, I was told I had already gotten a free report. I do n't believe within the past year I have done this, as I have nothing on my computer or a hard copy of anything from this company.
Product: Credit card or prepaid card

Today is Thursday, XX/XX/XXXX. I made a payment on my Capital One credit card last Friday, XX/XX/XXXX. While my " current balance '' has gone down by the amount of my payment, my " available credit '' has not increased accordingly. As someone trying to keep their credit usage below 30 %, this is very frustrating. The company states that it takes around three days for a payment to post. There is no problem with the payment not posting -- the money has been withdrawn from my attached account and has posted to my current balance, but not to my available credit. 

My credit limit on this card is {$5000.00}. As you can see from the attachments, my current balance is {$320.00}, but my available credit is {$3600.00}. As reflected in the statements attached, I made the maximum allowed payment of {$870.00} on XX/XX/XXXX. While that payment appears to have been deducted from my current balance, it has not been so added back to my available credit. I am attempting to keep my available credit on this card above {$3500.00}, and this is a quite significant inconvenience. 

Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you