23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter out of nowhere from National Enterprise Systems today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is XXXX XXXX  whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called National Enterprise Systems and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, XXXX XXXX  and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that XXXX XXXX has been experiencing fraud. I do not want this on my credit report as this is not my account!
Product: Payday loan, title loan, or personal loan

Online loan on XX/XX/2019 for {$800.00} and have paid {$850.00} at $ XXXX since that occurs on payday. They said I still owe {$850.00} if I pay off today. 

I found on Maryland web site that payday loans are not legal in my state. The rep I spoke with vas VERY demanding and said this is not a payday loan even though their website says it is. 

PLEASE HELP! Any advise you can give would be greatly appreciated.
Product: Credit card or prepaid card

I was double charged by XXXX for tickets to the XXXX. I showed the Apple Card dispute that I was indeed double charged. I did not use the ticket and after multiple emails streams and disputes, my claim was still denied.
Product: Debt collection

Representative was rude used abusive language to the receptionist, Over talked the receptionist and myself was rude and unprofessional. I told the representative on the line that i revoke their permission to contact me at any listed number. She said she didn't care and continued to harass me over the phone. I asked her not to call again. She claimed it was a recorded line. I said all of this on the recording. This occured on XX/XX/2019 between XXXX - XXXX XXXX.
Product: Checking or savings account

I just opened new account in citi and there is a XXXX dollars bonus with requesments. I did it but i didn't bonus
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to formally dispute the inaccurate reporting of my XXXX account on my credit report. I have previously informed you about the incorrect information, yet it remains unresolved. 

To clarify : XXXX is positively reporting this account, reflecting accurate information. XXXX has since removed this account from my credit report due to the incorrect reporting. Despite this, TransUnion continues to report that I was 90 days late on this account, a claim for which you have provided no supporting evidence. 

Furthermore, as of XX/XX/year>, XXXX is barred from federal student loan servicing and has agreed to pay {$120.00} XXXX in fines and compensation as part of a proposed settlement with the Consumer Financial Protection Bureau ( CFPB ). The CFPB has accused XXXX of a range of harmful practices, including tarnishing credit reports through inaccurate reporting. 

In light of these developments and the lack of supporting evidence for the 90-day late payment, I request an immediate correction to my credit report. Failure to correct this issue could be in violation of the Fair Credit Reporting Act ( FCRA ), and I reserve the right to take further action if necessary. 

Please confirm receipt of this dispute and provide a resolution within the legally mandated time frame.
Product: Credit card

Subject : Notice of Default and Credit Denial Dear American Express Customer Relations, I am writing to address the recent denial of my credit application with American Express and to bring to your attention a specific provision in your Inventor Trust Agreement that I believe is pertinent to my application. 

In reviewing the Inventor Trust Agreement, specifically Section 2.9 - Exchange and Registration of Transfer of Securities, it has come to my attention that my application is considered a security under this provision. I understand that the proper evaluation of creditworthiness is crucial, and I have carefully reviewed the terms and conditions associated with this section.

Given the information provided in Section 2.9, I would like to highlight that my application should be considered within the framework of the agreement, and any denial should be thoroughly reviewed in accordance with the terms outlined in the Inventor Trust Agreement. 

I believe that my application has not been given due consideration in light of the mentioned section, and I am concerned that this denial may constitute a notice of default under the terms of the agreement. 

I kindly request a thorough reevaluation of my credit application, taking into account the relevant provisions in the Inventor Trust Agreement. Additionally, I would appreciate any clarification on the reasons for the denial and any specific documentation or information required to remedy the situation. 

I value my relationship with American Express and trust that this matter can be resolved amicably. Your prompt attention to this issue is greatly appreciated. 

Sincerely, XXXX XXXX, agent
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX  I obtained a title loan from Title Max in XXXX, Tn. I only needed a title loan but was sold the flex loan by being told that it would t be available to me if I didnt take money out then for it. I took the money out just in case of hardship. Paid my title loan off in 2 months. Called Title max looking for my title and was told that it was connected to the flex loan. My truck is now repossessed so I contacted a resource that I have through the military who advised me that they gave me the loan under deceptive practices. I called for several days XXXX through today and finally spoke with the XXXX  manager who advised me that because I checked the box that I wasnt military that there was nothing that she could do. She was very nasty when I told her that I could understand why I would check that because my husband is neither active or reserve but deceased. There was no box for deceased. There was no resolution and now my truck will be privately up for auction. I dont understand as well why it is private instead of a public auction. Possibly because its a nice truck.
Product: Debt collection

I received a charge, which Im guessing is wage garnishment for a total of {$410.00}. I received this from Gurstel law firm pc. Never heard of them or from them till I was charged and I have no idea what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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: Checking or savings account

On XX/XX/XXXX we got a mobile notification that the balance on our checking account is low, but we were not using this account. Later we learned that someone in Massachusetts, came to a Bank of America branch ( we live in Florida ) and was able to withdraw money from our account, using a teller, not the ATM. Then the same day 2 fraudulent check were cashed in our name as well, the next day one more cashed check appeared on the account and the next day there was another check cashed from our Savings account at the same branch. We never received any security phone call or verification call from the bank making sure that transactions are done by us, they basically granted a thief full access to our accounts and let them walk out with the money. All the checks were in the same amount, made out to my husband 's name, from 2 different people. all of them had the same handwriting on them. We reported this immediately to the Bank of America fraud department, they opened a case. XX/XX/XXXX I also called that branch in Massachusetts and spoke with the manager requesting a video surveillance from the day of the incident, that might have shown us them some leads, they refused to provide it to me, saying this belongs to the bank of america and their fraud department will address it. since then we followed up with them 3 or 4 times, requesting a call back or email with updates on the case, but never received any updates. Every time we call, their customer service people are rude and not helpful and unable to provide us with any useful information. The money has not been returned to us as of XX/XX/XXXX, in fact, the latest conversation I had with Bank of America fraud department representative, they said they were unable to provide us with " temporary credit '' for the amount stolen, after I asked why was this called " temporary '' they suggested that if the case is not resolved in our favor we will have to pay them back the money. How can the case be Not resolved in our favor? Our understanding is clear and logical : we had our money in the bank, bank is responsible to keeping our money safe and secure, if someone steals the money from the bank, and we are affected, they should take complete responsibility, and do everything to accommodate us in this situation, show the best customer service and return us the money they failed to keep safe for us. Non of this has been done by Bank of America corporation, there has been zero attempts to reach out to us and fix the situation by the bank, even after I placed a verbal request to expedite the process of investigation. I hope doing it through CFPB will bring more results and help resolve this disappointing experience with the Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description 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.

Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX 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 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: Money transfer, virtual currency, or money service

Cash app said my account is now closed, so when I went to log into it again it won't let me access the funds that were in there at the time of closure. I don't have exact dates but I could provide any other info needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  is reporting incorrect information showing the wrong date when the payment should be paid. The payment is due the  XXXX  of each month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cover the  XXXX / XXXX / 17  payment because I mailed the payment and was lost in  the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occasions in which it was not. I have not missed a payment because the manager tol d me to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for  XXXX /2017 and  XXXX /2017 not date due which is the  XXXX  of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XXXX  of each month and paid  XXXX  payment on  XXXX / XXXX / 17 . The payment was due on  XXXX / XXXX / 17  and 10 days before a payment is due but reported. Equifax is showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't  pay on the due date but sending to the Credit Bureau. I am paying more than what is due at times. See attached
Product: Debt collection

Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from A-L financial based in California. 
in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. 
I had moved from the place where I was staying when I bought the car. 
soon, in XX/XX/XXXX, the company went to court. 
Case notifications were sent to a wrong address ( former address ). 
on XX/XX/XXXX, a default judgement was entered. 
in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. 
when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. 
after that, A-L financial went quiet for 2 years. 
in XXXX, A-l financial again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. 
I went to court, I repeated my claim of not receiving any notification. I was let go home. 
on XX/XX/XXXX, XXXX XXXX XXXX was assigned of the collection of the debt. 
in XXXX XXXX, XXXX XXXX XXXX posted on my credit report. 
I never received a notification or there is no indication that they even tried to reach out to me. 
once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. 
however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. 
since the credit reporting from XXXX XXXX XXXX was posted I have suffered negatively. 
I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. 
all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records XXXX XXXX XXXX provided ( it had my old address ). 

note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. 
I have not refused to pay except that we are still in courts. 

why would they post on my credit report? 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.
Product: Checking or savings account

This complaint is regarding my experience with HSBC Bank, XXXX. and their online banking platform at us.hsbc.com. On Friday XX/XX/2022 at approximately XXXX ET I accessed my online banking profile through HSBC 's website. Like many security-conscious individuals, I have enabled on my profile '2nd Factor Authentication ' - this service is supposed to provide additional protection to online banking customers by necessitating the entering of a one-time security code sent to my email address ( in addition to the standard username and password combination ) each time I access my online banking profile. However, on this night I observed that when I requested the one-time security code, the online banking platform instead displayed an immediate 'your session has timed-out ' notification, refreshing this page then immediately logged me into my banking profile without needing to enter any credentials! I recorded video of this phenomenon and confirmed that the same sequence of events would repeat even after closing my browser and clearing my history. In effect, the online banking platform was bereft of this security protection for an unknown amount of time. I have attempted to communicate this experience to HSBC but the wait times on their phone number have been inconveniently long and I have been discouraged from trying to speak directly with an HSBC representative. I have not experienced any noted fraudulent activity on my account as a result of this lapse in security, rather I am raising this concern for the well-being of other clients. I receive emails and text messages from HSBC, and HSBC has not provided any client-notification indicating that their online banking platform 's security had lapsed for any amount of time. I am concerned that HSBC has an unpatched security vulnerability that needs to be addressed and I am further concerned for any clients that might have been victimized that are unaware that their banking information was unprotected by the services for which they signed up and have a reasonable expectation to be enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the XXXXXXXX data breach and have already filed my settlement with XXXX XXXX XXXX XXXX already I'm requesting for Transunion to ready my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.

This ground for removal they also violated my rights under 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 USC 1681i ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : XXXX XXXX XXXX ( Open Date : XX/XX/year> ) XXXX XXXX XXXX ( Open Date : XX/XX/year> ) XXXX XXXX ( Open Date : XX/XX/year> ) XXXX XXXX XXXX  ( Open Date : XX/XX/year> ) XXXX XXXX  ( Open Date : XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXXXXXX, XXXX 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 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 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.