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

transunion was supplied with legal docs to fix the false reporting that i owed XXXX XXXX XXXX dollarson excise tax for XXXX on a car i returned to them in XXXX thus canceling the lease after the mass attorney generals help they have reported the correct info thus the other credit reportind co. have fixed my report and my fico score is back to XXXX excellant but not transunion just tried to help my daughter get a lease and vantage score is still XXXX fix it back to XXXX like it was before all the XXXX
Product: Checking or savings account

Hi I am having another problem with HSBC bank. My mother went into the hospital in XXXX and now is in XXXX, on XX/XX/XXXX I went to HSBC bank in XXXX NY to have power of attorney for my mother XXXX XXXX account. brought the power of attorney to the bank and delt with XXXX XXXX. I signed the forms and did what he said I had to do and he told me he would let me know when it was done. It is going on 18 days since I went there and I have not heard back. When I try to get in touch with him there is no answer and I can not leave a message because it says mailbox is full. I have tried to call the branch but they do not answer the phone, I repeatedly redialed the phone about 50 times on numerous occasions and got the same results. It is impossible to contact or speak to anyone at that branch. I have gotten through to customer service twice but each time they told me there is nothing they can do on their end. I need to take care of my mothers bills while she is in the hospital that is the reason for the POA .How can I get it done when customer service can not help and I can not get in touch with the branch. This is the third complaint I am filing about HSBC bank for three different problems. This is the worst bank I have ever delt with and want to close out these last accounts and never have to deal with them again. They are also charging XXXX dollars a month service fee on the account and the longer they drag this the more money it will cost my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry I am writing to formally dispute certain unauthorized inquiries on my credit report, as outlined under the Fair Credit Reporting Act, specifically 15 USC 1681b. Upon reviewing my credit report, I identified several inquiries that I do not recognize and did not authorize.

Unauthorized Inquiries : Company Name : Navy Federal Credit Union Inquiry Date : XXXX XXXX XXXX  Reason for Dispute : Unauthorized access These inquiries were made without my permission or any legitimate purpose as defined by 15 USC 1681b. As such, they are in violation of my rights under the Fair Credit Reporting Act. I request that these inquiries be immediately investigated and removed from my credit report.Under 15 USC 1681b, a credit report can only be accessed under specific circumstances, such as with the consumer 's explicit consent or for legitimate business purposes. Since I did not authorize these inquiries, they must be considered unauthorized. 
I request that the credit bureau investigate this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I had a XXXX in XXXX of XXXX and have XXXX XXXX XXXX XXXX XXXX through the state of XXXX which is XXXX of the best insurances in the state. I paid my copay of {$150.00} BEFORE the procedure and everything else was covered. I never saw a bill and found this on my credit a few years ago. I have tried to dispute this many times and I always get a " it is your debt '' back. No one is questioning that. I am saying I do NOT owe it bc I already PAID it. I have disputed it with both XXXX and XXXX.
Product: Debt collection

On or about XX/XX/2021 Transunion was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Transunion sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX  and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXX XXXX & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXX XXXX XXXX XXXX also demands XXXX XXXX  & XXXX XXXX  to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXX XXXX & XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX & XXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXX XXXX  is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. TRANSUNION provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with XXXX XXXX & XXXX XXXX. Provide any and all documentation used to VERIFY account ( s ). On XX/XX/2021 XXXX XXXX & XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), XXXX XXXX & XXXX XXXX is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information TRANSUNION used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a North Carolina resident. Capital One continued to collect and report my debt as late monthly several years after the Statute of Limitations ran out. I would like this corrected. There is also a XXXX balance.
Product: Debt collection

PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX PRG report to my credit a debt of XXXX from XXXX XXXX XXXX XXXX ( an apartment complex ). they're trying to collect the remaining month of a apartment lease agreement, that was paid in advance, deposit, and two month. the lease was broke, because they lied, charging the money before showing the apartment, and the showing a demo and renting after get paid a different one, all dirty, with broken appliances and holes in the sink. the lease was terminated by CAUSE ( as is legally permitted for fraud and misrepresentation ) with two month paid in advance. the law of texas all forbid a landowner to charge for the remaining month of a lease, they have to do the " best effort '' to rent the property and then and only then charge for the empty months. 

the lease contract violates the Texas Law as stated, therefore is automatically void, not valid. 

I don't acknowledge the debt, and surely i don't owe or have any relationship whatsoever with PRG. i placed a cease and decease record with them, i want the record removed from my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified Mail # Attn XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer XXXX disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Amount {$1500.00} XXXX XXXX ( All Rights Reserved )
Product: Debt collection

I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : XX/XX/XXXX Hunter Warfield Inc reports debt owed to credit agencies of XXXX XX/XX/XXXXDebt Validation Letter sent to Hunter Warfield requesting a response within 30 days XX/XX/XXXX I received statement restating the alleged debt XX/XX/XXXX sent response citing XXXX XXXX XXXX, that restating the alleged debt is not validation that the debt is owed XXXX Hunter Warfield received the letter XXXX 30 day failure to comply letter sent
Product: Student loan

XX/XX/XXXX I consolidated all my sons private college loans with Wells Fargo in the amount of {$86000.00}. My son was the primary borrower and I the co signer on all the private loans consolidated. In order for Wells Fargo to approve the consolidation they told me my son could not be on the loan because of his lack of credit history. The loan for all of my sons student loan debt would only be approved if his debt was consolidated in an educational loan in my name only. Now several years later, over the course of approximately 2 years, I have tried to refinance this educational loan. Every time I am turned down because I am the sole borrower of the educational loan. In order to refinance my son must be the owner of the loan in some way because he was the student. I do not have or remember the names of the institutions that I applied to and was denied for that specific reason. Eventually I stopped applying because each application was a credit inquiry. So instead of applying officially I started to call lending institutions and explain the situation, in each event I was told my son needed to be the borrower of the loan in order to refinance. 
As far as i can see there is no way for me to refinance this loan out of Wells Fargo and I am locked into it until the loan is paid. 
I have contacted Wells Fargo in XXXX and again just recently in XX/XX/XXXX to try to refinance at a lower acceptable rate and both times what I was offered was not acceptable. The first time after paying this loan for 5 years on time I was told I needed a cosigner with an interest rate that was out of the question. The second time I actually asked to have my son as the cosigner ( figuring if I could get him on the loan some how that maybe I would be able to refinance with another institution at a later date ) But the interest rate they offered again was not acceptable. ( My credit score is excellent ). 
I also feel I have should have the right to refinance with another lending institution other than Wells Fargo but the way this loan has been structured by them I do not have that option.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Team, I am writing to formally file a complaint against this creditors and Transunion, in accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights. Under 15 U.S. Code 1681, Section 602 states I have the right to privacy. Also, 15 U.S. Code 1681, Section 604 ( a ) states the consumer reporting agency can not furnish an account without my written consent. According to 15 U.S. Code 1681b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. I have not given any permission. Please remove the above items. Also keep in mind that you are require to delete this no later than XXXX days after you receive this dispute I looked at my credit report and noticed you have reported the following on my credit report : 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 amount {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$220.00} ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount {$660.00} ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX amount {$910.00} ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount {$870.00} ( XXXX Old XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount- {$2100.00} ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$5300.00} ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX )
Product: Money transfer, virtual currency, or money service

I am a XXXX  parent that learn about investing and recently found Gemini the company weeks prior to this incident. I started depositing and moving money fine weeks ahead just fine. But on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/3000. XX/XX/XXXX XXXX. Then on XX/XX/XXXX they saw it as suspicious activity not knowing I'm a parent trying to build up my owns assets. I've sent several XXXX to be exact on the were abouts once I tried moving the currency they put a restriction of security hold. I've done everything they've asked and them some. I would like my money returned or have the restrictions removed. Thank you
Product: Checking or savings account

My direct deposit paycheck normally deposits into my account on Wednesday evening. It did not happen. It was not until Thursday, XX/XX/XXXX, late evening, that CapitalOne sent an email even acknowledging a problem with deposits that began on XX/XX/XXXX. It is now Friday, XX/XX/XXXX and I still do not have my direct deposit paycheck. CapitalOne only provides vague, scripted answers and assurances that my money is safe and they will correct the problem as soon as they can. There are NO details as to what caused the problem, NO details as to their timeline, NO details as how they plan to handle weekend/holiday bank closure. There are NO assurances that money will be available during this holiday weekend. They are offering NO solutions rather than just wait and sorry for the inconvenience. I have auto payments being declined, have NO money for necessities and face a three day weekend without access to funds. This bank certainly has the means to release these funds in some other way while the fix THEIR problem. The law says they must release direct deposit funds within 24 hours!
Product: Debt collection

Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013 XXXX XXXX XXXX will Balance {$210.00} Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013. XXXX XXXX XXXX XXXX {$570.00} I should of never received any medical bills I am on Medicaid and by law theyre not allowed to bill me
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/2023 at XXXX from XXXX informing my TransUnion credit file was unlocked. I called TransUnion at approximately XXXX asking how my credit file was unlocked without my permission. I was given a security code when I locked my credit file. I was informed by the representative that they no longer provide security codes. She could not determine why/how my account was unlocked. While she was freezing my account. I received another notification from XXXX informing me my credit was unlocked and a third notice that my account was frozen while on the phone with the representative from TransUnion who informed me she is based in the XXXX. She was professional but could not determine why my credit file was unlocked. She informed me I will receive a letter from TransUnion in approximately two weeks confirming the freeze. I signed onto TransUnion and confirmed the freeze was placed. I still need to have the account re-locked and confirmed by TransUnion. And I still want an explanation as to why the credit file was unlocked.
Product: Debt collection

Date : XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX National Credit System , Inc XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
This National Credit Systems collection account with the balance {$180.00} ( Original Creditor is XXXX XXXX XXXX ) is inaccurate because I paid this before it went to collection. I am requesting that the item be deleted. 
I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time.

Enclosed are copies of my 3 checks from my bank account supporting my position. 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had a credit card from milestone for {$300.00}, which I wasn't using anymore. I checked my credit report and there was a collection for {$580.00} for the card. I called Trident Asset Management and advised them I was not using the card nor did I authorize anyone to use the card. They Told me to prove it. I offered to pay the Credit Limit, she said " we can not accept {$300.00}. I asked how can they keep a collection on money I never spent. She stated " ill place it in dispute '' and than hung up the phone on me. Now what?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

XX/XX/2020, XXXX After checking my email I noticed hundreds of unauthorized emails saying " thank you for your subscription ''. Right away I knew my email had been compromised and knew to check my bank account. A fraudulent charge of {$550.00} was made ( XX/XX/2020 ) on XXXX for a ceiling fan. I have since shut off my card and filed a claim with Wells Fargo and XXXX. I have no idea how my card information was obtained by someone else to make this purchase and would like to see this money back in my account soon. I am currently out of a job and need this money. I was not promised a return and the claim will take a long time to process. Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Nordstroms account is paid in full and closed, its being reported as paid in settlement/Charge-off.