23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Optimum Outcomes has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. Optimum Outcomes is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$100.00}. This is the letter sent for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XXXX 2022
Product: Credit reporting or other personal consumer reports

I have disputed several hard credit inquiries that I did not authorize. I have disputed several incorrect accounts showing delinquent as well. This issue has not been resolved and I would like to have any and all incorrect information removed from my credit report. Please see the companys listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am reaching out to file a complaint regarding a recurring and deeply concerning issue I am experiencing with HSBC Bank. This matter pertains to the unwarranted freezing of my assets and accounts on XXXX separate occasions, with the most recent incident being triggered by a mobile deposit of {$4000.00}. 

Details of the Issue : Repeated Freezing of Accounts : Despite being a diligent customer, my assets and accounts with HSBC have been frozen twice. This severely impedes my ability to access and manage my own funds, leading to considerable stress, inconvenience, and potential financial implications. 

Lack of Communication : There has been minimal communication and transparency from HSBC 's end regarding the reason for these freezes, especially when the recent trigger was just a standard mobile deposit. 

Reason for the Complaint : While I acknowledge the importance of stringent security measures to prevent fraudulent activities, it is alarming to face such drastic actions from the bank for routine transactions. This recurrent issue raises critical concerns about the reliability and efficiency of HSBC 's banking processes. As a customer, it is paramount for me to have consistent and unrestricted access to my funds without unexpected and unexplained hindrances.

Resolution Sought : Immediate review and rectification of the freeze on my HSBC account.

A detailed explanation as to why this has recurred.

Measures taken by HSBC to prevent such issues in the future.

In choosing HSBC, I was influenced by its reputation as a leading international bank. However, these recent experiences have deeply shaken my confidence. I believe the CFPB 's intervention is crucial to ensure that financial institutions like HSBC maintain a balanced approach between security measures and respecting customer rights and access to their assets.
Product: Mortgage

Action In Rem : I forgot to mention that in previous bankruptcy court hearings couple years back with BOA attorneys the same bankruptcy judge mentioned that only action in rem might be available. In rem action by definition has to be judicial as it is not against a particular person and there must be a verified complaint, not just standard non judicial notice, and title has to be validated, similar to quiet title action. 

Bank of America is intentionally ignoring the past hearings in the same Bankruptcy Court suddenly filed another cookie cutter XXXX non judicial notice personally against me, as if they didnt listen to the judge, my XXXX case is still open, I filed an adversary against this foreclosure and BOA filed motion to dismiss claiming I have no standing to defend myself, with that same XXXX judge in the same lead case XXXX ( XXXX   ). 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was informed by identity has been stolen when my wife tried adding me to her lease and was denied. This person has my name, birthdate, and social. They rented an apartment that has an eviction collection sent to XXXX XXXX of {$6600.00} opened XX/XX/XXXX. An XXXX XXXX XXXX collection sent to XXXX XXXX XXXX of {$350.00} opened XX/XX/XXXX. A policy with XXXX applied on XX/XX/XXXX but a representative said has been closed. I filed a police report case # XXXX. I submitted my case to the federal trade commission who set me up an ID theft report with identitytheft.gov. Through credit karma Ive disputed the apartment collection and have requested a copy of my credit report through transunion who also froze my credit. The apartment is working with their legal team as well as police.
Product: Credit card

Mobile banking is used more so than in-bank services. I am unable to utilize the ability to close a single credit card account on the mobile account thus I believe I am blocked from closing my account in a simple way.
Product: Debt collection

The company claimed to be from XXXX XXXX and called me from number : XXXX. The person on the phone the ENTIRE social security number over the phone when I told them I did not know what debt they were talking about because I don't owe ACE Cash Express any money. THE SSN was said without even verifying this account! They said they were from XXXX XXXX and would be freezing my access to my Visa, Mastercard, and any other credit cards because they were suing me for the {$990.00} dollars I owe from an outstanding balance from XXXX, XXXX, XXXX. I said that I have no knowledge of this debt and it's not on my credit report. They continued to tell me that it is considered an " arbitrary loan '' and that's why it won't be on my credit until I go to court. I said how can I even know that I have this debt if I haven't received anything in the mail? I hung up the phone then called back the number to see if it went to a legitimate business. The person it routed me to say the address was XXXX XXXX XXXX XXXX XXXX Massachusetts. They continued to tell me that it would be going to court, and I would have my access to my credit cards frozen. I again asked for a debt validation letter, and they refused to give me one until I make a payment arrangement. They told me that the debt collection letters they sent to me counted as debt validation. I never received any letters, so I have no idea what they are talking about or what the original amount is, or IF this is even money that I owe.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never inquired about credit with any of these companies XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXXXX/XX/2020SYNCB/LOWES XX/XX/2020 SYNCB/AMAZON XX/XX/2020 SYNCB/LOWES XX/XX/2020
Product: Debt collection

I don not have any knowledge of this debt or where it comes from. 
I have never received any written notification about this debt. 
It should not be on my credit report due to me not having a chance to validate this debt. 
It needs to be removed from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I have XXXX unknown inquiries on my XXXX report I HAVE TRIED VARIOUS TIMES TO GET REMOVED AND KEEP RECEIVING THE SAME RESPONSE AND I NEED XXXX TO REINSTATE MY ONLINE PROFILE ACCESS SO I CAN LAWFULLY ACCESS MY REPORT.. 
FLAGSHIP CREDIT ACCEPTANCE -XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated,  verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.
Product: Mortgage

I paid off my mortgage on XXXX, then on XXXX {$84.00} was taken out of my escrow money to pay mortgage insurance disbursement. When I questioned this they said it is paid in arrears, but wouldn't that be included in the payoff amount then. It just doesn't make sense and this company has been shady and difficult all along which is why I've gotten out at my first opportunity. Also it will take 35-45 days for me to receive my escrow refund, but they will not pay me any interest on my money they are holding. I didn't think they could keep my money without paying interest? I just don't trust anything with this company. Thank you.
Product: Checking or savings account

I deposited one payroll check from my new employer on Saturday XX/XX/2024 at a Wells Fargo atm and another payroll check from the same employer at a Wells Fargo bank on Monday XX/XX/2024. At first they told me the checks would be held until today XX/XX/2024. This morning I got a notification stating they are holding my checks for another week. Both my husband and I have called and have been told different things. Wells Fargo told my husband because the funds have been flagged for fraud and they told me they have not received the funds from the XXXX I work at. When I asked for documentation on the hold reason they said they could not provide that to me. The XXXX I work for is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, South Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at XXXX ( XXXX ID # XXXX ) and ( XXXX ID # XXXX ) at XXXX, we very adamant and told me the deletion were not happening even after reading them my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to have to make a late payment on my car due to wildfires in CALIFORNIA in XXXX of 2019. I called capital one auto and spoke to a very nice representative and was assured that I would not receive a 30 day late charge due to the natural disaster, as we were evacuated from our homes due to the wild fire. I made the payment when I could and even after being promised that I would not get a late payment one showed up anyway. I have called Capital one auto 3 different times even after I paid off the loan entirely to try to get this late payment removed and they say the same thing every time. Capital one reports all late payments by law and can not change them. Please help me with this as its greatly lowering my credit score. I have 2 credit cards with capital one with Exceptional payment history.
Product: Credit reporting

THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least a XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
Product: Credit reporting or other personal consumer reports

Exeter finance is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX. Exeter finance called me to pay XXXX XXXX and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. Exeter finance have charged off this account since XXXX  reporting every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Experian. On their website they are showing inaccurate scores from XXXX and XXXX. Experian shows my XXXX score at XXXX while both XXXX XXXX  and XXXX XXXX both show my XXXX score to be XXXX, and Experian shows my XXXX score at XXXX while XXXX XXXX shows my XXXX score to be XXXX I have tried multiple times reaching out to Experian to ask why and am getting generic responses that do not pertain to my question of what they show the scores to be different. This now leads me to believe that my Experian score is more st likely not accurate. I am in the process of trying to purchase a home and these inaccuracies are making it difficult for me to quality for a loan. I really need this to be looked into so the correct scores are being displayed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I check my Credit Karma and I seen that XXXX/XXXX ( Complete Dept.stores ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. XXXX/XXXX  reach back out to me and said that they're no account that below me that's current in their system. Which that this information is reporting inaccurately and needs to be remove. You can reach me at XXXX if you have any question or need any help with anything.
Product: Checking or savings account

Tried to use the American Express Serve debit card by loading funds into the checking account on XX/XX/year>. Unfortunately, the account was prevented from being used by the register at a Family Dollar Store by American Express National Bank. It was later learned that American Express had blocked the card from being used but no information had been sent or received as to why. When a call was placed to American Express National Bank on XX/XX/year>, the statement from the representative was that the there was " an account limitation '' and that the account was " permanently locked. '' This was the only information given and was repeatedly told to write a letter to request the reason for the account being locked. At no point was information given on how to access the {$2000.00} already in the checking account. A letter was written and sent to American Express. In the meantime, there is no way to access the funds in the account to pay bills and there is a monthly fee being charged on XX/XX/year>, due to having a balance ( when the account has a {$0.00} balance, there is no monthly fee charged -- this is done most every month in order to save {$8.00} ).