23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mutual Management Services has been reporting inaccurately on my credit for a debt that they have never furnished ANY documentation for. I have sent multiple debt validation letters to their address listed on my credit reports, and I have personally received multiple calls from them ( just within the month of XXXX ) where they stated that they " do not respond to letters '' and that they would send the debt validation to my email. I have verified with them on multiple occasions my correct email, and they still have never sent it, most recently citing that they " had no record of speaking with me ''. Interestingly enough the email they had on file prior to their initial call in late XX/XX/2023, they had an incorrect email at which time I provided them the correct email. On the call where they stated they had " no record of speaking with me '', they still seemed to have the correct email on file. 

I have 3 issues : Firstly, this company has broken the law by not responding to any of my written or verbal communications as mandated in CFPB 1006.4.

Secondly, they have made promises to communicate regarding the validity and accuracy of said debt, and have never followed through despite multiple attempts and pleas for them to do so.

Thirdly, I wholeheartedly disagree with the amount they are proporting that I owe them. I have made multiple attempts to make this right by reaching out to get information on this alleged debt, contacting the original creditor who has no recollection or information on alleged debt, and even offering to settle- to no avail.

This company ( despite being unable to prove the alleged debts accuracy ) has regularly been furnishing late payments and increased balances on my credit report for a debt that I do not owe. This has caused harm on my ability to be approved for credit and my ability to obtain housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from XXXX stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX., we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In XX/XX/, I attempted to use equifax 's online service to unfreeze my credit. There was a " '' temporary '' '' error not allowing me to log in by resetting password. The call line asked me to provide personal information to an agent outside US Jurisdiction, so it was not viable. 

Today, XXXX, I went again to their site and was again blocked by a " temporary error ''. It seems to be permanent. Their phone line wastes everyone 's time by recommending to use the website when the website isn't working, and there's no transparency as to why it isn't working. I was eventually able to XXXX through the phone robot to unfreeze my credit which is a simple task, but still don't have access to their website, or confidence in them as a company. 

Considering the chronic issues plaguing Equifax, such as the massive data breach, and general incompetence for which you can find hundreds of personal experiences online, is there any reason to keep this company around? XXXX and XXXX seem to be sufficient on their own, and I'm sure a replacement for Equifax would operate much better.
Product: Credit card

I made timely claims to Bank of the West and Bank of Montreal dating back to XXXX of XXXX for money taken from my secured credit card before, during and after their merger. On XX/XX/, a representative named XXXX seemed to understand the fraud that happened to me and went as far back as she could to resubmit the claims I had submitted dating back to XX/XX/. While my cards were used, and possibly duplicated, many of my accounts were hacked and my identity appears to have been stolen. XXXX, submitted these claims after she reviewed them for three days. When she resubmitted the claims she also gave me an immediate provisional credit and unfroze my access to remove the cash from my secured card whereby they were holding $ XXXX of my money against. I had been trying to close the account and remove the cash I had in it because Bank of Montreal and XXXX XXXX XXXX XXXX had mishandled my fraud disputes on both my debit and credit cards for months, dating back to XXXX XXXXbut the bankers at the XXXX branch in XXXX XXXX told me they didnt know how to close my account and forced me to keep it open. I requested that my cash advance fees and interest on cash advances be reversed on or about XX/XX/. The woman told me she reversed this and instead of reversing it, she double charged me. On XX/XX/XXXX, a woman from the credit card department named XXXX contacted me and told me she wanted to go thru the list of claims for the life of the account and consolidate my claims and resubmit them to be investigated. While this was unexpected, she still wanted to do this right then. She refused to look at the fees and other charges. She grew impatient and said she would call me at XXXX on Monday, XX/XX/. She did not contact me whatsoever as scheduled and she did not give me a number to call her. On Tuesday XX/XX/ she called and wanted to proceed. She took all the items that I thought should be in the claims, even though they should have already had all the information. She ended with asking me specific questions about my cards being stolen. She would not entertain any of the other reasons some of the items were claimed and forced the reason of the cards being stolen to apply to every dispute which is not accurate and further makes me distrust this bank. She would not give me a new claim number and she did not provide me with any provisional credits, no fees reversed, and did not address my concerns regarding the time frames that have passed whereby an investigation should have already been completed.
Product: Checking or savings account

I would like to request assistance with an issue I am having with my bank after a car rental company billed me multiple times for the same rental contract ( s ). We had a long term rental and we realized that when we dealt with a particular member of a regional branch we were having billing issues. We have escalated it through the various levels up to corporate level with the car rental agency and their accountants struggle to explain what has taken place. XXXX XXXX XXXX being the most senior, XXXX XXXX XXXX ( area manager ) and  XXXX XXXX XXXX ( regional manager ).  XXXX XXXX promised in an email that the charge for the specific rental period would be returned back in XX/XX/XXXX, something they have yet on which to make good. 

After submitting two challenges to the bank immediately after discovering these billing issues, along with proof, they still failed protected my interests. The car rental agency ( at a location from which we rented in Arizona ) blamed the bank but we used my fiancee 's XXXX  bank account and the same billing issues occurred. 

My bank account was overdrawn by several XXXX dollars and as it has taken so long following the correct procedure, my bank account has been closed. The bank are refusing to take any further action and the most recent call to the bank resulted in the agent saying they might not reopen the account, even if I was to clear the outstanding balance. 

The bank told me that my option now is to take the rental company to court which I said I was already in the process of finding a lawyer to do so, but I have been informed that you maybe able to assist me? 

I need this account reopened as it is attached to a minor savings account and I want to restore my credit rating - I have never had an account closed or even negative before renting from this particular car rental agency. I kept the bank aprised along the way and yet they still failed me. 

I have been in regular contact with the bank, keeping them updated providing them with concrete proof of the multiple erroneous charges. After many years of being a loyal customer, they have let me down when I needed their help. I feel that it would be extremely unfair for my account to remain closed and my credit rating to be effected, due to the bad business practice of the car rental company.

Time is paramount as I am now at the five month point of my account being closed and after the six month point, I understand that the account will remain closed permanently.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following inquiries for fraudulent and have violated right. 

XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  HAS VIOLATED MY RIGHTS 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate. 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 15 U.S.C 1681C. ( a ) ( 5 ) Section States : 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.
Product: Debt collection

I received a call from XXXX and XXXX XXXX that I still owe Check n Go for a loan from XXXX. I paid this off in XXXX with a different collection agency in XXXX of XXXX. 

Please contact XXXX and XXXX XXXX and tell them I have paid this off. I have attached the paid in full letter. 

I am not sure where the disconnect is here.
Product: Debt collection

I have disputed this account twice, I have not had services from this creditor in at least ten years. So even if it was XXXX of my old bills, it is past the statute of limitations in Illinois to be on my credit report. But, it is not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER AND I'M BEING VIOLATED BY EQUIFAX MY CONSUMER REPORT IS NOT FAIR AND EQUITABLE TO ME AND UNDER THE FAIR CREDIT REPORTING ACT. I HAVE FEDERAL CONSUMER PROTECTION RIGHTS. EQUIFAX WILL NOT DELETE THE OLD ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX FROM MY CONSUMER REPORT. I DO NOT LIVE THERE AND I HAVE WRITTEN ASKING THEM TO DELETE THIS FROM MY CONSUMER REPORT ( XXXX ) TIMES PRIOR AND THEY WILL NOT COMPLY. XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX UNDER THE FAIR CREDIT BILLING ACT IF THERE IS NO EVIDENCE OF INDEBTNESS. I CANT BE LATE FOR ANY REASON. THIS ACCOUNT IS ALREADY PREPAID IT IS AN EXTENSION OF CREDIT AND NOT A DEBT. XXXX IS IN BREACH OF THERE FIDUCARY DUTY TO PROTECT MY NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY CRAs. I NEVER GAVE XXXX CONSENT TO FURNISH ANY NEGATIVE INFORMATION AND NEVER GAVE THEM PERMISSION TO A CONSUMER REPORTING AGENCY ( EQUIFAX ). NO CONSENT MEANS NO REPORTING!!!! I NEVER RECIEVED INFORMATION FROM XXXX ON HOW TO OPT OUT WHICH IS MY RIGHT AND UNDER THE GRAMM LEECH BLILEY ACT ( GLBA ) MY PRIVACY IS PARAMOUNT AGAIN THIS IS A EXTENSION OF CREDIT NOT DEBT AND ITS IMPOSSIBLE TO BE LATE ON A EXTENSION OF CREDIT UNDER FCRA 15 USC 1666 STATES A creditor may not treat a payment on a credit card account under an open end consumer credit 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 section 1637 ( b ) of this title is mailed or delivered. FCRA 15 USC 1666B STATES ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. HOW CAN I MISS ANY PAYMENTS ON SOMETHING I FINANCED? THE EXTENSION CREDIT ORIGINATED FROM MY SOCIAL SECURITY NUMBER WHICH WAS USED IN THIS CREDIT TRANSACTION THEN PREPAYED. THE TRUTH IN LENDING ACT SAYS I AM THE CARD HOLDER BENEFACTOR NOW I AM NOT RECIEVING THE BENEFITS AND IT IS NOW UNAUTHORIZED USE OF A CREDIT CARD. THIS CANT BE BE ACCURATE IF NO EVIDENCE OF INDEBTNESS EXIST!!!! IT IS IMPOSSIBLE TO BE LATE REPAYING AN EXTENSION OF CREDIT THERE IS NO DEBT SO THERE SHOULD NOT BE MARKED AS LATES REPORTING. THIS ACCOUNT WAS ALREADY PAYED IN FULL THERE CANT BE LATES AND BALANCES. XXXX CLOSED THIS ACCOUNT WITHOUT NOTICE OR ANY WRITTEN NOTICE THEY NEVER EXPLAINED MY RIGHTS OR ANYTHING TO ME WHICH IS A VIOLATION. DUE TO F.C.R.A. VIOLATIONS. DELETE THIS DAMAGING ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY. I'M STANDING ON MY FEDERAL CONSUMER RIGHTS THE FAIR CREDIT REPORTING ACT, AND THE FAIR CREDIT BILLING ACT, ON THIS ISSUE.
Product: Checking or savings account

I opened up a fifth third account in XXXX. Due to issues with the all the banks holding all deposits. Because of all the check frauds going on. I work for my self and have a couple clients pay me by check with fifth third. So when I opened an account they put me in express. Ive mobile deposited 2 checks. I never once requested funds immediately yet the bank did it charged me fees to make a deposit twice. Ive called called and called I was told I put in for immediate funds no I didnt. Asked for mangers to call back thats a joke no one calls back. So I go into the branch finally I opened it. Now I am told starting XXXX fifth third will charge me XXXX XXXX monthly fee and any time I make a deposit XXXX be charged. No I am not dealing with a bank who only open by charging ppls fees. Ive been with our other banks for years never ever had this problem just the hold issues which XXXX take it any day over a bank that charges me to deposit my own money.
Product: Checking or savings account

I applied for HSBC checking account on XX/XX/XXXX. I received email on XX/XX/XXXX that my application was approved. 

I applied because HSBC was adverting on XXXX and other websites that I can get {$350.00} dollars if I : Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance I completed both requirements but I did not receive promised {$350.00} bonus. 

I called several times customer service and also email them and chat through there online website, but so far they completely ignore my requests for bonus. 

I called XX/XX/XXXX and the hsbc person promised to send my complain to back office and told me someone will get back to me from back office. When I called back 2 weeks later on XX/XX/XXXX the new customer service told me that previous customer service did not make any notes about my complain and back office do not call customers, that she lied. 

Now it been 2 more weeks after I made new complain and no reply to me not receiving promised {$350.00} bonus. 


Also it took them 2 months to send me debit card because according email they send me : " Dear XXXX XXXX, Thank you for submitting an online application with HSBC Bank USA, N.A. 

Between XX/XX/XXXX and XX/XX/XXXX, HSBC experienced an application error that resulted in your ATM or Debit card selection to be missing from your application. We are contacting you as your application was impacted. '' Also they were withholding taxes from monthly interest, I had to go to branch to correct that. 

HSBC should be investigated for their online applications system not working properly and not giving promised bones for opening new checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also XXXX and XXXX are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason XXXX removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only experian removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I got a text from Transunion saying an account was opened in my name. The problem is I have not open any accounts around that time at all. I am not seeking any credit at this time. The account that was opened was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I called the company after I found their phone number on my credit report. They quickly closed the account but they then left the inquiry on my report which impacts my XXXX XXXX and I need that inquiry removed. 

The account was closed when I called the company and told them that was not me. They sent me a letter with actions to take to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN did not verify information on my credit report as accurate. i sent 2 diuspute letter as its is causing harm to my credit
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 there is an inquiry on my profile that isnt me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.