23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Good morning.. my dears At Consumer Financial Protection Bureau XXXX greeting, It's XXXX XXXX my time in the state of California, today is Monday XXXX XXXX, On or Around XXXX XXXX, I contacted CEO HSBC bank USA.N.A . ..Mr. 
XXXX XXXX, to process my Judgment XXXX At the XXXX XXXX XXXX XXXX  , County Court, State of Arizona, then month Later, I did contacted him again, then month later I Made a trip to HSBC bank XXXX XXXX, to talk to branch Manager he advised me to Contact the HQ, it's over six Month now, no reply received from HSBC bank HQ, please contact XXXX XXXX XXXX Bank CEO, thank you
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of a fraudulent inquiry from my Equifax credit report. On my recent credit report, there is an inquiry from " XXXX '' dated XX/XX/2024, which I did not authorize or initiate. 

This unauthorized inquiry is a result of fraudulent activity, and it is negatively impacting my credit score and overall credit profile. I have never applied for any service or product associated with " XXXX '' on or around the date mentioned. 

I kindly request the CFPB to intervene and facilitate the immediate removal of this fraudulent inquiry from my Equifax credit report. Additionally, I urge Equifax to conduct a thorough investigation into this matter and take necessary actions to prevent such incidents in the future. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Discover contacted my mother about an owed debt. They are trying to reach me. They gave her the last 4 of my social and the amount owed. He said the last charge was XX/XX/XXXX at XXXX and it was opened in XXXX. He told her that it had to be paid by XX/XX/XXXX or its going to legal.
Product: Debt collection

I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.
Product: Debt collection

Advanced Capital Solutions is a debt collector XXXX. 

We are trying to collect a LEASE TO OWN debt that you owe to XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account now owned by XXXX XXXX from XXXX with account number XXXX. 

Opened on XX/XX/XXXX As of XX/XX/XXXX you owe : {$1200.00} You do have an option to settle or you can click on our portal link to customize a payment plan that fits your financial needs. 

The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX XXXX
Product: Checking or savings account

Checks can only be deposited via mobile deposit for my account, but mobile deposit limit was set to {$2500.00}. I had to deposit a check for {$3200.00}. The requested limit increase took three days to process, and the check deposit wont be processed until XX/XX/XXXX. The request to increase the limit and process the check was submitted XX/XX/XXXX. 

The payer I am in contract with had attempted an ACH verification on XX/XX/XXXX so we would not have to management payments via paper check. The ACH verification is still pending with this institution, putting an additional invoice scheduled for XX/XX/XXXX at risk of the same road block. This means I will have over {$10000.00} in pending invoices, {$0.00} in wages for myself through the XXXX season, and my business at risk due to unpaid insurance premiums while I wait for the institution to hold on completing any business functions. The institution is no longer responding to emails regarding my concerns.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection reported from a medical visit by my daughter. Her father and I are divorced. Her provides insurance for her and is responsible for any amount over {$200.00} on medical fees. In XX/XX/2020 she was seen in an ER. The ER doctor did not file on her insurance and since I have sole custody my name was entered on the account. I disputed this collection in the amount of {$1600.00} and sent a copy of my divorce decree to transunion. 
I had initially stated this was not my account and then finding it was for medical service for my daughter submitted the divorce decree. Over the phone, I was assured this collection would be removed. on my XXXX XXXX account is was removed then it reappeared. I would like your assistance in removing this collection from my record once and for all.
Product: Credit reporting or other personal consumer reports

Fraud Accounts below : XXXXXXXX XXXX XXXXXXXX {$0.00} - Only showing on Experian XXXX XXXX  {$9700.00} -Only showing on Experian XXXX XXXX $ XXXX Showing on XXXX, XXXX, Experian but all showing differently amounts XXXX XXXX XXXXXXXX on XXXX, XXXX, Experian but all showing differently amounts XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX and Experian XXXX XXXX XXXX {$0.00} XXXXShowing only on XXXX XXXX XXXX XXXX XXXX $ XXXX Showing only on XXXX The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

collection agency violated FDCPA, FCRA and HIPPA by posting protected medical information on various credit bureaus without validating that the alleged debt belongs to me. 

I've mailed several letter requesting they validate the alleged debt and produce documentation to substantiate that the debt belongs to me and if it is, to provide written proof that i signed HIPPA releases allowing the protected medical information to be discussed with a 3rd party. Furthermore, I've asked them to provide a copy of their written permission from my to discuss ANY of my protected medical information with a 3rd party such as XXXX XXXX 

They have failed to respond and furthermore have attested to the XXXX XXXX that they have the legal documentation and that the debt is mine.
Product: Credit reporting or other personal consumer reports

I have submitted all proof of payments to Ally from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some accounts was not reporting accurately. I had 4 late payments on one account and 1 late payment on another that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late on payments I've attached a copy of my reports to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) I'm now requesting you investigate these accounts and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about XXXX points. TU has adamantly REFUSED to make adjustments and increases to my  credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. TU failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of TU 's obstinate refusal to correct the damage by this identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical debt, from a collection agency still shows on my Experian report. I paid the balance in full, XX/XX/2020. I requested that the item be deleted. Experian refuses to remove it. This is causing a negative impact on my credit. 

The collection agency received full pay and has no need for the account to remain my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : 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
Product: Mortgage

I sold a property on XXXX/XXXX/16. The closing attorney paid the taxes that were due XXXX/XXXX/16 to the city. The attorney also sent the funds to pay off the mortgage to my lender, Wells Fargo. 
Wells did not properly credit the payoff, finally resolving the problem on XX/XX/XXXX. At first, Wells wanted to charge me interest for the late payoff, but then admitted their error and did not charge me. 
My problem is that Wells paid the property taxes due XXXX a XXXX time out of my escrow funds without ever checking \ if they had already been paid. They knew the property was being sold as we had requested a payoff for the loan. 
The city took the funds and applied it toward the next tax payment due XX/XX/XXXX. I do n't own the property any more! The money involved is over {$2000.00}. I have been asking Wells for a refund of this overpayment since XX/XX/XXXX. They have said it is the city 's job to reimburse me and have requested that the city send me the money. I say it is Wells fault and they should reimburse me and THEY can wait for the city to process the refund. If I was over 90 days last on my mortgage, Wells would be harassing me for payment, not ignoring me.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check at Chase Bank for my Chase account using the ATM machine. The check deposited was a check from a company owned by me but from another bank ( other than Chase Bank ). The following day I attempted to use my ATM debit card from Chase and was told the charge was declined. I immediately logged into my online banking and saw the deposit made the prior day was showing as a " pending '' deposit. On XX/XX/XXXX( XX/XX/XXXX) I personally went to the Chase branch to discuss the issue and was told the Chase Bank review process identified the deposited check ( from my own company ) was placed on a hold until XX/XX/XXXX ( 11 days from the date of deposit ) because it appears the check may not clear. I explained it was from my company and there was more funds in the account than the amount of the {$2500.00} check deposited. The branch manager at Chase said he would call another department at Chase and try to get resolution and he would call me. About 45 minutes later the manager called and said there was nothing he could do the hold was placed by Chase in the review department. Today, I received a printout from the bank where the check was written and the check cleared that bank on XX/XX/XXXX. I went back to the branch and presented the written documentation. The branch manger also called the other bank to verify the check number, amount and the date the check cleared ( XX/XX/XXXX ). The manager then attempted to release the hold but the Chase Bank system would not allow so he said he would again call the department at Chase and call me back later in the day. He called back and now said Chase informed him that it appeared the check I deposited may be a duplicate check number and they would not release the hold. I called Chase Bank and after speaking with two representatives was told the same story and they would not release the funds until XX/XX/XXXX. Hence, my complaint against JPMorgan Chase Bank. The end result is that the funds cleared my business account on XX/XX/XXXX, XX/XX/XXXX and I have no access to my funds ( {$2500.00} ) until 8 more days ... ... so that will result in me being unable to make payments or pay bills from my Chase account and possible automatic withdrawals being denied. It is completely unjust for a bank to withhold funds for 8 days after the check cleared the other bank and it was verified by representatives of Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts opened in my name.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft accounts were applied for in my name that I did not authorize. I was unable to make these inquiries due to me being XXXX Please see attached! 

We reviewed the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry. 


We reviewed the Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard / Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry. 


We reviewed the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard / Credit Score Impact The reason you disputed this item : I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the Equifax credit report for up to two ( 2 ) years from the date of the inquiry.
Product: Debt collection

I checked my credit report and there was s derogatory mark place on by a Company called Midwest Recovery Systems, which I have never heard of or received any type of communication from. The company they are supposed to be XXXX XXXX XXXX, which I have never done business with, and they don't even exist where I live. I am trying to have the derogatory mark removed from my credit report, it affects it adversely. I also filed a complaint with the XXXX.
Product: Credit reporting or other personal consumer reports

I have discovered that XXXX XXXX XXXX XXXX XXXX. That XXXX departments are reporting to the credit bureaus. One in particular is XXXX and I submit proof of the alerts. 
I found that the dispute department at XXXX XXXX XXXX XXXX. They were reporting past due delinquencies on a paid off and closed Auto loan. 
Therefore creating 30 to 59 days past due delinquencies. Some how I disputed this with the loan service department. They modified and updated the error in findings. See Attached Document. 

This account is reporting to TransUnion as 30 days past due. This account also has different last update on XX/XX/2023. XXXX is also reporting not more than XXXX past due payments. Having a different last update of XX/XX/2023. XXXX was still receiving information on a paid off and closed account for XXXX consecutive months. 
Hence the delinquency being my complaint. XXXX reports paid account satisfactorily with know delinquency indicated. 

I have attached the proof of one account reporting twice. At the same XXXX time with conflicting damaging status payment information. Along with that I have attached a confirmation updated information. That was mailed from XXXX informing me of XXXX XXXX XXXX XXXX XXXX results from the dispute. I took the liberty of attaching the account payment History. That clearly shows the closes account was still being reported. After one department closed it out and the other continued to run over into delinquencies of past due late payments. 

Lastly, I file a dispute with the dispute department that's reporting the past due delinquencies after the account was closed in another department within their own company. I ask that this finally resolve this problem I've been disputing for XXXX months. Please fix this problem so that I put this ordeal behind me at last. 

Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED. REMOVE THESE FRAUDULENT ACOOUNTS FROM MY CREDIT REPORT.
Product: Debt collection

I've received numerous calls daily from different individuals for an alleged debt to Best Buy ( original creditor ). Today I finally had an individual identify the collection agency she was employed by. The woman identified herself as XXXX with XXXX XXXX XXXX. I have had no transactions with Best Buy in well over a decade. I denied owing any debt, explained that I was on the do not call list, and asked that I wasnot contacted further. She loudly proclaimed that I was not on the do not call list and threatened me with legal action and wage garnishment. I attempted to further communicate my insistence that I not be contacted furthe but the individual loudly attempted to talk over me. I shouted my insistence loudly a final time and terminated the call. Within 60 seconds of that I was called again which I immediately terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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  Account number XXXX, my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The credit bureaus refused to provide their MOV ( Method of Verification ) for the XXXX Collection with ( ARS ACCOUNT RESOULUTION SERVICES ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
Product: Mortgage

Nationstar credited my account with my full payment payment on the due date, but it also assessed a late fee and has started aggressive collection tactics to recover the late fee from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was reported to the FTC and blocked my other credit companys 2 years ago. They moved it simply from XXXX to TU. At the time of the alleged debt I was fully employed and covered by XXXX XXXX XXXX XXXX that fully covered any alleged visit and this is just games by a company with thousands of complains for doing the same thing. 

If it was supposedly after that moment I was covered my XXXX XXXX XXXX XXXX that also fully covered any such incident and XXXX was aware and should be responsible for there own billing errors
Product: Credit reporting or other personal consumer reports

ive tried reaching experian and they said they cant dispute it. they also cant put this on my report because ive tried requesting the assignment and they didnt have evidence that it was assign to me, ive never received anything about this debt so they cant just put this on my credit report.