23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

-I switched cellphone carrier 's on XXXX.22 went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX -On XXXX.22 I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX22 or XXXX.22 were annotated on the bill. 
-I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request but I never was contacted. 
-In XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX22 of {$280.00} but no mention of the XXXX.22 {$260.00} payment. 
-Then on XXXX.22 I received a collections notice form Convergent on behalf of XXXX stating that I owe {$340.00}. 
-To date I have not received any follow up from XXXX in regards to my XXXX22 payment of {$260.00} towards my XXXX account. Also when I logged in online on XXXX22 to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX I began receiving bills that made no sense and my online account did not allow me to see all the billing. 

PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS.
Product: Checking or savings account

On XX/XX/2019 I received an email alert that there was suspicious account activity on my HSBC checking account, which I opened about a month prior. I had never received my debit card nor any subsequent mail until I realized on that day ( XX/XX/XXXX ) after checking online that my account had multiple unauthorized withdrawals made for the past month without any notice given to me. I immediately called their HSBC Security Center that night when I checked my emails, which I was later directed to call their HSBC Fraud Investigations to open a case. This was the beginning of my ordeal. 

I had submitted my form to have a refund of {$1500.00} from unauthorized withdrawals and {$22.00} from ATM fees, but that initial mail was not received through mail, so I had submit a scan of another form for those amounts. I had already submitted a police report online, and then later again in person after instructed by my HSBC investigator, XXXX XXXX. For the next several months no progress has been made and I had tried to contact my investigator multiple times ; every time someone else picks up the phone, promises me that XXXX will call back as they send an internal email to him, but for 3 consecutive months he has NEVER called back. I have had 26 calls with their office between XX/XX/XXXX to XX/XX/XXXX and I am left in the dark, having to put up with a range of disrespectful representatives, tons of distress, and now monthly maintenance fees, which now total to {$60.00} ( {$15.00} charged per month ). At one point a representative railed at me and decided to deny my claim on the spot, even though that person knew little about my case. I never made those withdrawals because I never even received my debit card! 

The case still remains open, but I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. I am reaching out to the CFPB because there is injustice, waste, and total disregard for their HSBC customers within the fraud department of HSBC by making me suffer for the past half year.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$4600.00}
Product: Mortgage

On XX/XX/2020 I was contacted by Quicken Loans regarding a VA Refinance Loan. I am a XXXX XXXX   XXXX FEMALE VETERAN with an XXXX XXXX. I also receive XXXX XXXX XXXXXXXX from Social Security ( SSDI  ). Employee XXXX XXXX asked me to fax documentation required for the process. I did, she informed me she received them. She said that she pulled my credit score & I did qualify for a VA Loan. I had poor communication with XXXX XXXX. On Sunday, XX/XX/2020 I received a Text Message at XXXX XXXX  asking if I was available to talk. I replied yes. After 10 minutes without a call I sent a text requesting a call back after XXXX. It never came. After leaving numerous voicemails and emails, I was contacted by a different employee, XXXX XXXX, on XX/XX/2020, informing me that she would be working with me. On XX/XX/2020 we discussed my loan & options. She notified me that she needed to run the numbers by her Financial Manager. Friday, XX/XX/2020 she informed me my credit score was too low. She said they require a score of XXXX & my score was XXXX. She said they had a program called Fresh Start that helps people in my situation. She said she would transfer me & then I was disconnected. I feel like QUICKEN LOANS disrespected me. I feel mistreated in regard to this loan. I was given no opportunity to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see below account # XXXX is a old XXXX XXXX credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason XXXX XXXX has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year XXXX XXXX Customer and owe absolutely nothing and have never been a day late on any obligation. I called the XXXX XXXX Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The XXXX XXXX Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Miscellaneous Clothing XX/XX/2022 XXXX THIS HAS BEEN PAID, THEY ILEGALLY RAN AN INQUIRY ON MY CREDIT I DID NOT AUTHORIZE PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

hello I have tried to remedy the fact XXXX gave XXXX, equifax, and XXXX has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations.

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer 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 the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Product: Debt collection

I was trapped in a financial fraud and experienced a financial hardship. That is the reason I got 10 months behind and I applied for a loan modification on XX/XX/XXXX. I received a letter from Loan Depot requesting for additional documents. My loan modification application was approved on XX/XX/XXXX. On XX/XX/XXXX I received a Home Equity Line of Credit Account Statement indicating Amount Past Due is {$7800.00} and Amount Due This Billing Cycle is {$810.00}, and minimum payment is {$8600.00}. On XX/XX/XXXX, I mailed Cashier 's check with the amount of {$8600.00} to Loan Depot LLC. This statement includes the following transactions : Transaction Date Payments an Other Credits Amount XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$5.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$5.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$900.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$40.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$470.00} XX/XX/XXXX Attorney Corporate Advance Disbursement {$320.00} On XX/XX/XXXX, I called the XXXX XXXX XXXX  located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX at ( XXXX XXXX XXXX XXXX notifying the attorney 's office that I had applied for the loan modification and the Loan Depot is reviewing my application. 

To my surprise, today ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Loan depot, indicating that the total amount due on my loan is {$4900.00} named as Corporate Advance. How this amount of money comes out? They knew my loan modification application was approved on XX/XX/XXXX but still keep on charging me for free money?
Product: Payday loan, title loan, or personal loan

The original complaint is XXXX about XXXX XXXX XXXX, XXXX..You may look there for reference. You will that the company offered a settlement of {$3000.00} for 5 months at {$600.00} per month beginning tomorrow. I was told by their attorney that I would be receiving a document with the terms outlined and she wanted me to sign it and send it back. I have waited at least 3 weeks or so for the document. It never arrived. Therefore I am taking this as the company pulling it 's settlement offer. Which is fine, I am now placing a new settlement. This is not an offer. I gave them the opportunity and responded by toying with me. I will not be a part of such a farce. I will draw up my own non-negotiable settlement and send it to the company. I will pay {$2800.00} on or before XXXX XXXX XXXX. PERIOD! Any and all collections attempts will cease immediately, if not I will begin the Administrative Procedure starting with an XXXX. This is not up for negotiation, I was not given any warning of their change of plan. This is what it will be. Period.
Product: Credit card

For 7 years I have had an AmEx credit card and have paid in full and on time every month. The bill comes via e-mail and always arrived monthly. Last month the bill went to my spam filter and I never saw it. I called the company on XX/XX/23 and advised the rep what had happened. At that point I owed {$34.00} from the late bill and a {$29.00} late fee and the next bill had a charge of {$35.00} for a total of {$99.00} at that point. I gave the rep my routing and checking account numbers and paid everything off. I asked if the late charge could be waived because I had never been late with this credit card or any other credit card for that matter. The rep said it was their policy not to waive late charges. I asked to speak to a supervisor and he said one would call back within 24 hours which never happened, I called again the next day and got a different rep but same response ie. policy is no waiver of late charges and no supervisor available. I am XXXX years old and have never had late charges in the last 50 years because I pay my bills on time. How can this company charge me a late fee for a bill I never received. What possible reason would I have to incur a {$29.00} late fee on a bill of {$34.00} which I could easily pay on time if I knew about it. This is ridiculous.
Product: Mortgage

I am in active bankruptcy but my home is not included in that because it is an investment. I contacted specialized loan servicing in XXXX about doing a deed in leu but they said that I could not because I was in active bankruptcy. At that time I did not have a tenant and asked could my home be taken due to me not paying and they said no because i was in active bankruptcy. I explained to them that the home was not in the active bankruptcy and they stated it did not matter. I received notice on XX/XX/XXXX from attorney about foreclosure on XX/XX/XXXX. I contacted specialized loan servicing and they said that I could not do anything to stop the foreclosure. I sent in modification documents and they are saying that I had to do that 45 days prior to sale date. Well I did not know anything about a sale date. No one there is trying to help me.
Product: Debt collection

On XX/XX/2020, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ALPINE CREDIT INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other XXXX  ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX XXXX, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least XXXX phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX XXXX  requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX- Spoke to XXXX XX/XX/2022 at XXXX XXXX  - Spoke to XXXX, placed on hold, was on hold for XXXX minutes XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to get an update on my credit report from XXXX, Experian and XXXX and have yet received a response.
Product: Debt collection

I received a {$25.00} parking ticket from XXXX the company that purchased the rights from XXXX XXXX. My bank sent the check for the {$25.00} parking ticket which was delivered on XXXX/XXXX/XXXX. XXXX refused to acknowledge receipt. XXXX assessed an additional late fee of {$25.00}. XXXX eventually acknowledge the receipt of the {$25.00} and waived the inappropriately applied late fee. They then sold the non-existent {$25.00} debt to Professional Account Management LLC ( PAM ) who attempted to collect the waived late fee. On XXXX/XXXX/XXXX I informed PAM that the debt was non-existent and that they needed to go back to XXXX as they sold them a non-existent debt. Nothing was heard from PAM until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX PAM once again attempted to collect the non-existent debt. I informed them of the history. When the collector refused to look for the file I requested to speak to a supervisor. The collector then hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX XXXX XXXX validate the alleged debt. I also request The last payment and the date of the delinquency.XXXX XXXXXXXX was informed that they are past the 6 years statute of limitation to process a collection in court. XXXX XXXX states XXXX XXXX questions whether the account is collectible due to the expiration of the statute of limitation ( SOL ). A review of XXXX XXXX records indicate that the statute of limitations expired XX/XX/2015. 
I agree that XXXX XXXX can not acquire a judgment through a civil court process. Tennessee Code annotated Title XXXX XXXX. Tennessee allows 6 years SOL. The reporting of the information to credit bureaus is 7 years. One year after the SOL expires. Midland has past the legal reporting date approaching 2 years. This matter can be resolved by deleting the information from all three credit agencies. This will be in compliance. I believe that Midland is re-aging the account. and reporting it to all credit bureaus as accurate. Midland adheres to the SOL in Tennessee. Midland review there own records and concluded the SOL have expired in XX/XX/2015. Negative credit reporting is 7 years from the last date of activity. Midland conceded to knowing that the SOL has expired.
Product: Checking or savings account

In 2015 I was involved in a scam where I was given fraudulent checks and asked to deposit them and subsequently send the funds to someone via XXXX XXXX. This situation was extremely disheartening, I filed a police report and I lost a significant amount of money in the tune of over {$5000.00}. The issue regarding this situation as that I walked into the bank and deposited the check. The teller took the check for an extended period of time and proceeded to deposit it although it was fraudulent. There were funds in my checking account temporarily and then I was scammed out of the entire amount of the check. I spoke with several representatives over the phone and I explained the entirety of the situation and I was told over the phone by a representative verbatim that they would give me my money back from the transaction and that promise was inevitably not honored.
Product: Debt collection

in response of failing to validate account. Sending the amount thats due is not proof of validation of an account. This is not an agreement that bears the signature of the alleged debtor where XXXX XXXX XXXX agreed to pay the creditor. This is considered a violation of the Fair Debt collection practices Act ( FDCPA ).
Product: Debt collection

I have been disputing these accounts for several years due to having my credentials stolen. I reported to the 3 credit bureaus and still, the account is affecting my credit. The other parties can't provide an agreement contract as evidence of those accounts which does not belong to me and I am asking the 3 departments to delete these accounts from my credit. I have been calling the 3 credit bureaus and they have not taken care of this matter. These are the accounts affecting my credit. Alleged Account 1.Nelnet - XXXX {$20000.00} 2. XXXX XXXX XXXX XXXX- {$1000.00} 3. XXXX XXXX XXXX XXXX- XXXX {$560.00} {$340.00} 4. XXXX XXXX XXXX- {$5000.00}
Product: Credit reporting or other personal consumer reports

This account has caused me significant distress, to the point where it's affecting my sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 Balance : {$370.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX OF XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXXXXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX  Inquired XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been dealing with XXXX XXXX for months. Ive had numerous unauthorized charges on my card that I cant remove and its messing up my credit. These are fraudulent charges