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

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX # XXXX, has violated 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: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Capital one cashed my chech o. XX/XX/XXXX for purchase on XX/XX/XXXX. Double charge XX/XX/XXXX. Called XXXX people to resolve nothing happened Double charge Dismiss Double charge
Product: Credit reporting, credit repair services, or other personal consumer reports

When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as XXXX or bank credit. 

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

Violation of 15 USC 1681 No permissible permission or contract with the company Unauthorized use of Assumed Name
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure what that is.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request thatyou take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On XX/XX/XXXX I sent a certified letter, tracking # XXXX XXXX XXXX XXXX XXXX ), a notarized affidavit and a copy of my photo ID to Transunion that was received by them on XX/XX/XXXX. I notified them letting them know that these accounts were not mine but they never responded. Because Transunion did not respond. I later sent another certified letter, notarized affidavit, FTC Report XXXX, copy of my credit report and my photo id by certified mail XXXX XXXX XXXX XXXX XXXX that was delivered, XX/XX/XXXX, XXXX XXXX in XXXX, XXXX On both occasions Transunion was notified and sent all the documents they needed, and they still ignored me. Therefore, TransUnion violated the FCRA in pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft I did make this FTC report XXXX I did not receive goods and services, so the FTC and identity block is valid. I sent them everything and it's be more than 30 days now.
Product: Credit reporting or other personal consumer reports

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my XXXX XXXX I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Product: Debt collection

I received a notice from XXXX  on XX/XX/XXXX that I had a new collection account. The account is shown as Southwest Credit Systems ( SWCS ) XXXX XXXX XXXX # XXXX, XXXX, TX XXXX - XXXX. The collection company is collecting a debt from XXXX cable company. The original debt with XXXX was first shown as delinquent XXXX XXXX and the account was closed on XX/XX/XXXX by XXXX. 
The collection account is showing on XXXX as a Date Opened XX/XX/XXXX with no information of a first delinquency date or any other information that shows this account is a collection account from XX/XX/XXXX. The only indication that this might be an older account is that the On Record until date shows XXXX XXXX. 

I called SWCS and the collection company verified the dates of first delinquency as XX/XX/XXXX and the closed/charge off date of XX/XX/XXXX. I asked them to update the open date the the correct date and or report the date of first delinquency date as XX/XX/XXXX so the account doesn't show as a new delinquent account. The representative stated they would not. SWCS representative stated that open date is the date they first started to collect the account and they do not have to report any other information on the original delinquency. This company is re-aging the collection account to make it appear this is a new collection account. 

I disputed the account with XXXX  and told the representative that SWCS is showing an open date as brand new collection, not reporting information showing this is a 5 year old collection account. The XXXX   dispute came back as verified and no information was changed. This is illegal credit re-aging. 

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Money transfer, virtual currency, or money service

I run a real estate business and decided to use Square ( of Block, Inc. ) to send an invoice to a business partner so that I can receive my split of the profits of exactly {$16000.00} for our work. I made the invoice on XX/XX/XXXX, days before our closing date of XX/XX/XXXX, and my partner paid on XX/XX/XXXX. Square notifies me that the funds would not be available until XX/XX/XXXX. Although this was frustrating, I allowed it thinking it was simply due to their slow processing. On XX/XX/2023, at XXXX, after trying to access the funds all morning that day, I received an email from Square stating that my account has been deactivated and my funds would be held for 90 days! This means that instead of having my money on XX/XX/XXXX, they push it out to XX/XX/XXXX. The email was not clear in giving a reason as to why my account was deactivated. I have made many efforts to contact their customer service department and even asked to speak with their legal team, but nothing was done to provide clarity nor have I been able to speak with their legal department.
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian, XXXX and XXXX credit reporting agencies 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 XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX  opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached 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.
Product: Debt collection

PORTFOLIO RECOVERY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

The credit bureau has reported that these items have been deleted as they are related to to fraud but they continue to report on my report
Product: Credit reporting or other personal consumer reports

Please review this complaint thoroughly, as it has been submitted intentionally and is of critical importance. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that I do not recognize or belong to me. This ongoing issue is deeply troubling, causing unnecessary stress and XXXX
Product: Credit card

Dear CFPB. It has come to my attention recently that Bank of America had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Bank of America a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Bank of America change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.
Product: Debt collection

This debt has been disputed, and was in my favor. It has already been removed from my credit bureaus before with the other collection agency that it was with before. This is not my debt. This company continues to harass and call my phone multiple times a day, and one point pretended to be someone else. Now once again this is being reported to my credit bureau accounts and causing harm and negative impacts to my financial situation.
Product: Checking or savings account

Company name : HSBC Bank USA, NA I'm an XXXXXXXX XXXX with residential address outside USA ( in XXXX XXXX actually ). Early this year ( around XXXX or XXXX ), as one of the HSBC Group 's policy for international banking customers, I applied and opened up an HSBC USA Checkings and Savings account and received my debit card in XXXX. After the account had been opened, I did purely nothing but only transfers between my own international accounts ( all the accounts are in my name ) within reasonable scale. I then applied for a credit card ( one of their international policy as well as a XXXX customer ), submitted my passport copy, work information and salary slip, and received my card in XXXX. 

My accounts and cards were totally fine until XX/XX/XXXX XXXX, HSBC USA suddenly blocked my account and banned me from online and mobile banking. I contacted the bank almost immediately asked for if their was any problem with my account, they said that my account is under review and refused to provide any information about the reasons why they blocked my account or any time frame that they would be review my case. 

2 months has passed and it's almost XXXX now. During this period, I contacted HSBC for almost six times, and each time I contacted them they provided basically no info but asked for me to wait. 

I've checked with other HSBC USA clients who resides in XXXX and found that they have actually blocked a lot of accounts opened by XXXX customers ( but this is an international function they advertised and provided ). Apart from customer base discrimination, I have a hard time finding a reason to convince myself so I'm asking for help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$470.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and 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 # ( XXXX XXXX XXXX ) 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 last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' on XXXX XXXX  Account # XXXX according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, because everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, high credit balance amount, credit limit, last date reported, comments, date last active, date of last payment and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Product: Debt collection

I recently applied for a home loan and in doing so, I discovered a negative file on my credit report from Choice Recovery of {$41.00} for a medical debt. I have never received a bill or notice from Choice Recovery for this debt. Upon discovery I contacted Choice Recovery today, XX/XX/2019 and a representative informed me where the bill was coming from and it is for a service I received and I'm willing to pay for this bill. However, I have never received a bill prior to today to be able to pay and avoid this negative reporting. When speaking with the representative from Choice Recovery, it was confirmed that the address they had didn't include my unit number for me to be able to receive the bill properly. I asked that the negative reporting be removed due to this and was informed, the negative reporting couldn't be removed and only marked as closed and a satisfied debt if paid. This is unacceptable considering the error in the billing address they have. I request that I receive a proper bill at my correct address and the negative reporting removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both creditor and credit bureaus and haven't heard back from them. no dispute investigation has been opened up.