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

I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to   XXXX   -- that I did not know existed.     HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  (   See  HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated  by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
Product: Debt collection

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment. 

I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating. 

But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/XXXX.
Product: Debt collection

Post moving out of apartment complex " XXXX XXXX '' on XX/XX/2016 owned by " XXXX XXXX '' i received an invoice due for charges obtained from cleaning or damages to the apartment. The charges where paid in full. XXXX still sent this debt to collections and i have left 5 voicemails and waited 5 times the time they promised i would hear back in. There is no way to get a hold of the company. i have also emailed them through there website as well as the manager and regional manager and still no response. 
This has now made it ( so far ) impossible to rent another place even with perfect rental history and verification. I would like this to be removed from my credit. It should have never even made it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX with certified mail tracking numbers requesting a company called collection center of WY remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which collection center of WY had received by never responded to my request. Within 10 minutes the collection center of WY was removed from my credit score. 

On XXXX collection center of WY refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. XXXX investigated the dispute and claimed they recieved proof of debt. I called XXXX and XXXX refuses to show me proof of debt. 

I feel this is fraud and a scam on the collection center of WY and XXXX because there has be NO PROOF sent to me to verify the debt and I request help in having XXXX  remove this from my credit score.
Product: Money transfer, virtual currency, or money service

https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire  transfers.This is false advertising and this is not how it worked out for me when I used their service. <P/>I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. <P/>When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. <P/>{$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.
Product: Debt collection

The following debt has been paid. I am a veteran and the VA pays all of my medical bills. I did not receive notification of any debt. They just placed it on my credit. 

XXXX Agency Name : XXXX Balance XXXX, XXXX Status Unpaid Debtor : XXXX XXXX XXXX.
Product: Vehicle loan or lease

Auto was repo and sold and I never received proof of sale which was sent to someone else. Sent 3 request for the loan to be validated, in XX/XX/2018, just received document and shows all paperwork was issue to someone living in Texas, which I have never lived. The car was repo from my current address in Ohio where I have lived and currently still live. Received payoff for $ XXXX, which is fees when balance was {$8700.00}. Never received notice of sale of auto.
Product: Mortgage

1. over paid on homeowners insurance. 
2. had two policies for the one house they never cancelled the older policy. 
3. they never sent me the documents i requested 4. i tried to refinance with Amerihome their offer was from 3.5 to 3.35 5. i did get offer from XXXX XXXX for 2.25 dropping monthly payment x {$120.00} 6. now amerihome won't take XXXX payment {$930.00} intill i sign their refin papers 7. Now I don't know weather I can refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my file
Product: Checking or savings account

On XX/XX/2019 I deposited {$580.00} cash at the ATM at US Bank and the ATM took all of my money and didnt deposit any of it to my account so I called the number the ATM gave me on my receipt and they said it could take up to 45 days to get my money back and then I went into the bank the following day XX/XX/XXXX and they said it could be 10 days before I get my cash and that they couldnt tell me when the ATM auditor was going to balance the machine or when I was going to see my money but I really need that money a lot sooner than this and no one was really helpful to my situation.
Product: Debt collection

Can you please put stop of this Zwicker & Associates, PC Attorney for Plaintiff and Debt collector their address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX their website Zwickerpc.com sued me at XXXX County, Florida for debt I do not owe for them. 
They dont have validation letter states I owe them. 
They dont have contract that I owe them. 

Again please help me how to put stop of this bully debt collection company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding improper credit reporting due to their failure to notify me of an alleged outstanding balance after I closed my account. This issue has resulted in an unfair negative mark on my credit. 
I initially disputed a transaction on my XXXX XXXX, and the dispute was decided in my favor. During that time, I closed my account, believing that it had been settled at a XXXX balance. However, XXXX XXXX later revoked cashback rewards, creating a balance that I was never informed of through phone, mail, or email. 
As a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite never receiving any clear notification. The only way to access account information was to re-download the XXXX XXXX, an unreasonable expectation for a closed account. This failure in proper communication has led to unjust harm to my credit standing. 
This situation violates several consumer protection laws, including : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - Fair Credit Reporting Act ( FCRA ) : Requires financial institutions to provide accurate and complete information to credit reporting agencies. Given that I was never properly informed of the balance before it was reported as delinquent, the reported information is inaccurate and should be removed.

2. 15 U.S. Code 1666 - Fair Credit Billing Act ( FCBA ) : Requires creditors to provide clear billing statements and proper communication regarding outstanding balances before reporting late payments or delinquency. XXXX XXXX and XXXX XXXX failed to provide adequate notice, violating this requirement. 
3. 12 C.F.R. 1026.6 - Truth in Lending Act ( TILA ) : Requires transparency in the disclosure of fees, account balances, and charges. The failure to clearly notify me of the revoked rewards balance violates this rule. 
Given these violations, I request that the CFPB take action to : 1. Investigate XXXX XXXX and XXXX XXXX communication and reporting practices to ensure compliance with federal laws. 
XXXX. Request the removal of the delinquency from my credit report due to the lack of proper notice and misleading communication. 
XXXX. Require XXXX XXXX and XXXX XXXX to implement better notification processes to prevent similar issues from affecting other consumers. 
I believe this case represents an unfair and deceptive financial practice, and I appreciate the CFPBs assistance in resolving this matter. Please inform me of any steps I need to take or any further information required.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Please note-I have the recorded call on file and it was disclosed to the company that I was recording. I called Hunter Warfield to come to a resoluation on some lease break fees I had with an apartment complex called XXXX XXXX. The representative told me the total amount due was {$2100.00} and that I can settle for half of that amount. Unfortunately, I was unable to accept the settlement but began to question the amount because my last statement was {$1800.00} and there was nothing written in the contract for additional interest charges should my account go into collection. I told the representative that I will pay the amount actually owed and I want to make a payment arrangement. She told me I ca n't just do what I want, If I want to pay the original amount due, it has to be paid in full. I told her that that is not fair debt collection practice and that I am only contractually obligated to the {$1800.00} and we can set up an arrangement from that. She asked me in a condensing told " if I wanted help or not. '' I told her she can not refuse my payments. We went back and forth a few times and she ended up telling me to have a good day and she hung up on me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am trying to apply for a checking account, but it says I'm in the checks system ( I need to be removed from the checks systems ), so I logged in my XXXX XXXX and seen I have XXXX closed accounts on my credit report I have no knowledge of. Two XXXX  XXXX accounts, XXXX XXXX XXXX XXXXXXXX, FNB OMAH, and XXXX XXXX. I have no knowledge of none of those accounts. 

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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FNB OMAH, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

A collection appeared on my credit report on XX/XX/ for {$1000.00} from XXXX XXXX XXXX. Over the past year, I have fought this inaccurate collection, with no success and no additional information provided by XXXX XXXX XXXX, XXXX, or Experian. XXXX is the only credit bureau that has understood the issue and correctly removed the collection from my credit report. XXXX XXXX XXXX, XXXX, and Experian continue to not listen or respond to my complaints that this collection has been incorrectly added to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and Equifax and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
Product: Debt collection

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XXXX, XXXX under the account number ( private ), an credit card account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number ( private ), a Credit Card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX  on XX/XX/year> with a balance of $ ( private ) and a credit card account with XXXX XXXX XXXX  opened XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS RELEASED IN THE TRANSUNION DATA BREACH AND I NOTICED AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT THAT I DID NOT BENEFIT FROM. THIS IS UNFAIR AND I NEED THIS REMOVED IMMEDIATELY BECAUSE THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM
Product: Credit card or prepaid card

XX/XX/XXXX Direct payment funds withdrawn from bank account and deposited to ChaseVisa for {$12000.00} Rolling and other charges declined on card XX/XX/XXXX XX/XX/XXXX called Chase and was told that even though they have my money that wont credit the payment until XX/XX/XXXX even though they acknowledge they have my funds. This took two calls and three people, including XXXX the supivisor who was rude and condescending. 

They won't do anything about that so my rolling accounts will continue to be declined until funds are released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a business credit card that was closed by XXXX after the business ( XXXX XXXX XXXX XXXX XXXX XXXX ) went out of business. The business ' debt ( roughly {$12000.00} ) is sitting on my personal credit report and is hurting my credit so badly that my once perfect credit is now in the red. I will not be able to purchase a car or a house because this has affected my credit so poorly. I reached out to XXXX and Equifax to notify them that this credit card was a business credit card that was never a personal card. XXXX wiped the card from my personal credit score in a matter of days, however, Equifax did not. Equifax told me that they would not do anything and that I should reach out to The Consumer Financial Protection Bureau and the State Attorney General Office. I have a letter from XXXX who opened the business credit card stating that it is in fact a business credit card and that they do not have a signed application from me. I would like this business transaction wiped off of my personal credit. Thank you in advance for your help.
Product: Money transfer, virtual currency, or money service

I was scammed by people who pretend to be pay pal members, They let me transfer them XXXX $ through XXXX 
I really need your help.
Product: Debt collection

XX/XX/XXXX - Landlord set up my account with XXXX XXXX without my knowledge, only mentioned I needed to have electricity set up to move in. 
XX/XX/XXXX - Utilities were disconnected without notice. Spoken with a XXXX XXXX supervisor over the phone that because I did not set up the account, they would close the account and I do not owe anything. 
XX/XX/XXXX - Debt collection company Convergent Outsourcing called that I owe {$66.00} debt to XXXX XXXX. I tried to verify the debt but they were unable to do so. Due to constant harassment, I called up XXXX XXXX to pay the {$66.00} but they were unable to offer a receipt, although I have it recorded on my bank statement posted on XX/XX/XXXX. 
XX/XX/XXXX - Same debt collection company called again that I owe {$330.00} this time. I called up XXXX XXXX but they are still trying to charge me for that account and sent the amount to debt collection behind my back, despite what the supervisor said on the phone on XX/XX/XXXX. 

Ridiculously petty and deceptively company XXXX XXXX and unprofessional debt collection Convergent Outsourcing always unable to verify any form of debt and constantly harassing me through phone calls even when I asked for them to stop. I do not want to make another payment again because it seems the utility company just kept asking for more by sending larger and larger amounts to a shady debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, patients of {$490.00} was late 30 days during the XXXX XXXX  pandemic time, I was ill with XXXX was staying home till well, then back to work, by the time I received my check to pay XXXX XXXX XXXX payment, it was 30 days late so the company put it in delinquency with the credit bureau, Ive took care of it as soon as I received my money and now XX/XX/XXXX, my XXXX XXXX XXXX is pay in full so Im asking for the delinquencies to be disputed or removed. As I check back on the statement it show that Ive made XXXX payments in XXXX of XXXX, {$520.00} and XXXX both was credited on XX/XX/XXXX which only XXXX payment of XXXX is supposed to be made, so I believe its an error as well and its not 30 days pass due
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint myself. No third party is involved with this consumer complaint. 

An account ( XXXX XXXX XXXX ) was reinserted after it was previously deleted, and I was not notified by Transunion five days after or given certification that the item was validated properly.