23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello. Back between XXXX I had a mastercard, ending in XXXX with HSBC. This was paid off over 8 years ago. We have filed disputes with all the bureaus back in XXXX because HSBC kept sending it to collections agencies and we had to have it removed from our credit long after it was paid off. The last time we sent our information in was back in XXXX and again in XXXX. The files were removed from our credit and listed as paid off. I received a call on XX/XX/XXXX from XXXX XXXX XXXX XXXX company ph XXXX, saying they were about to garnish my wages, put a summons on my door step, contact my employer, will take strick action, file suit in court and file the collections unless I pay $ XXXX balance to them immediately. I explained it was paid for, explained the years that it was paid off, that it was removed from my credit back over 8 years ago and they said they would be putting it on my credit report unless I paid them that day. We've gotten NO notice this was even trying to be collected. Looked them up and they have a current " XXXX  '' rating with XXXX  and have MANY other consumers have been affected exactly the same way over the last 3 weeks, specifically with HSBC trying to collect on paid for debt, and old debt, the complaints are public on XXXX. XXXX XXXX XXXX XXXX filed an illegal collections account on my XXXX  credit report on XX/XX/XXXX and listed a falsified charge off date of XXXX. Tennessee statute of limitations states it must be collected within 6 years of the last payment. This account was paid off over 8 years ago, removed from my credit once for being paid off and now is back on my credit report through XXXX  on a collection, way beyond the SOL and falsely listed because it's paid off AND has a false date. Please help me correct this. Please look back at my XXXX, XXXX  and XXXX  reports and you will see that it was removed over 8 years ago and this is a false collection under the SOL. I am trying to find my original paid off letter, but we lived in XXXX XXXX from XXXX and were victims of the XXXX XXXX Floods, so I'm having difficulty finding it. Please punish them for all this horrible illegal activity they are committing, both HSBC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filling a complaint with Chase Auto. For 5 years I've made on time payment with auto pay. A few years ago I noticed on my credit report was reporting an incorrect " 30 day '' late XX/XX/2017. I have disputed but neither Chase nor the credit bureau can give any proof I was late and are refusing to correct it.
Product: Credit reporting or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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/year>.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding the negative items that persist on my credit report. Specifically, I am addressing the negative entries attached on the letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collections - XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX at XXXX XXXX. In XX/XX/XXXX, I put in my 60 days  notice to the property after hearing about break ins at the property. During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX Police Department and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by RDAC regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX XXXX never late XXXX  XXXX XXXX never late XXXX & CO XXXX never late XXXX   XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late XXXX XXXX never late XXXX   XXXX never late XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Debt collection

This account was closed and assigned to collections as per XXXX XXXX contact on XX/XX/XXXX NOT on XX/XX/XXXX of XXXX as I C Systems has reported. This debt was " Re-Aged '' as is an illegal practice and known to be used by collections agencies to try and collect possible old debts debts. 

The information on account number of XXXX and the date of XX/XX/XXXX was provided directly by a customer service representative today XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I received 4 emails from Wells Fargo Bank that they received an application for a checking account and that it was now open. 
I am currently a member of Wells Fargo Bank with a checking account and savings account. I did not request for a new account to be opened. 
I logged onto Wells Fargo and noted that there was in fact a new checking account. 
I called Wells Fargo and they closed the account. They did note that my Social Security Number and Drivers License Number were used to create the account. 
I opened an XXXX account to place a lock on my information to prevent any further requests. 
On XX/XX/2022 I called my local Social Security branch to see if my SSN had been used anywhere else and they confirmed no further activity. 
I am completing this if someone has my Social Security Number I would like it monitored to see if they attempt to use it for anything else.
Product: Credit card

I am submitting this complaint regarding unauthorized recurring charges by XXXX XXXX XXXX and Bank of Americas inability to resolve this issue despite multiple attempts. 

For several years, I held an alarm monitoring contract with XXXX XXXX XXXX. After my contract term ended, I followed their outlined procedure to cancel my service. However, 8-10 months after canceling, I noticed XXXX  was still charging my Bank of America XXXX Airlines credit card. 

I contacted Bank of America to dispute these charges. They refunded me, issued a new card with a different number, and closed the dispute. Despite these efforts, XXXX  continued to charge my account using the new card numberone that I never provided to them. This cycle has repeated multiple times, each time resulting in a new card and another round of disputes. 

I have repeatedly asked Bank of America to block transactions from XXXX XXXX XXXX, but they have advised that there is nothing further they can do beyond issuing a new card and disputing the charges. The time and frustration involved in managing these repeated disputes are significant, yet the charges continue to recur. 

I am seeking your assistance in putting an end to these unauthorized charges. I am reluctant to close my account and apply for a new credit card, as this would impact my credit score. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Was getting hassle calls from CBE Group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX ) about collection charge of {$39.00} from XXXX XXXX. 
Information they had given me is I had no knowledge and told them that was not me and never ordered that service. They called continued to call me and I had to repeated many times it is not mine. Now they are showing on my Credit Report as Collection so I had called them again and explained to them please remove it from my report since pending charge is not mine. But they are not responding.
Product: Mortgage

Good afternoon, I applied for the offered forbearance. This forbearance ran out XX/XX/XXXX. 
On XX/XX/XXXX, I contacted my loan company 's ( LoanCare ) Loan Mitigation Department about the options available due to Covid. I chose the option of placing the past due amount at the end of the mortgage. I asked for confirmation and LoanCare told me it would take approximately 30 days to process, and I would be notified then. 
I called in approximately four weeks as I had begun to receive notices. They told me to ignore as my option was still being processed and any calls or notices I received were computer generated. 
Two weeks ago, I received a packet asking for information and for me to approach them about a plan. I called and LoanCarXXXX said it was computer generated. My plan was still in review. 
I received a call last week and the caller had no record of them working on my plan. She later found it in the system that I had requested the option and forwarded me to Loan Mitigation. Loan Mitigation said the option had never been summited and I needed to restart the process. 
Now I find out the safeguards designed to take place before foreclosure proceedings start ended XX/XX/XXXX. 
It is obvious I was strung along until this deadline was reached. Due I have any recourse now or have they succeeded in running out the clock? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Loan number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

I am writing to dispute my student loans due to a breach of my personal and financial information in violation of the family educational rights and privacy act. My information was compromised without my authorization and as a result I am requesting an immediate discharge of all student loan debt. Given the severity of this breach and important on my security Beg you to take immediate action. I appreciate your prompt response!
Product: Consumer Loan

I obtained an auto loan with Santander Consumer USA. I consistently receive my bill late so that the only way I can pay it on time is to do so online, where I will be charged a convenience fee of {$10.00}. They state that if I send in a check, it will take 5-7 business days ( which can be 10-11 real days ) to process my payment. My due date is XX/XX/XXXX, and I 've not received by bills until XX/XX/XXXX or XX/XX/XXXX. I feel like this is a deliberate attempt to force me to use a payment option that requires additional fees or to add late payment charges to my account. The first month, I had no choice but to pay the {$10.00} and the second month, even though I mailed my payment on XX/XX/XXXX, I 've received emails warning me that my payment has not arrived and I will incur late fees.
Product: Credit reporting or other personal consumer reports

According to section 604 e of the FCRA, I have the right to request deletion of inaccurate information on my credit report. I sent a letter requesting the credit reporting agency to furnish proof of ownership of the accounts, as well as multiple inaccuracies. Not only did my written request go unanswered but the inaccurate accounts on credit report have been illegally reaged. Additionally, there are accounts being reported by one credit reporting agency that arent being reported by others. All accounts in question should be deleted. 

The accounts in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX My money was stolen and used to make money orders that were transferred else where. I contacted MoneyGram, the company that transferred the transferred the funds as well as the company to which the money orders were drawn on. the representative refused to help me and deleted my MoneyGram account, thus destroying the history of these transfers. the money orders were stolen to begin with I never authorized the use of my information or funds to create the money orders. the money orders were purchased from XXXX  XXXX in XXXX XXXX, LA, I was able to obtain receipt copies of the purchase. XXXX  XXXX was unwilling to provide any assistance other than the copies of the receipts. There are six money orders in totaling which add up to the amont of {$2500.00}. I filed reports with the police as well as FTC, which announced that MoneyGram will have to begin to reimburse consumers, for facilitating fraud and allowing money to be displaced. All and all the receipts are as follows all made on Terminal XXXX : {$500.00}, {$500.00}. {$490.00}, {$490.00}, {$490.00}, {$10.00}. 
On XX/XX/XXXX I sent an email to MoneyGram about this again, and filled out a Money Order Search document, and was charged {$40.00} to try to located the fraudulent items which were created from money stolen from me and were transferred to someone own to me.
Product: Prepaid card

Hello to whom this may concern, On XX/XX/year> I was finally able to get in contact with EDD regarding my funds .EDD let me know that money was sent to Money Network XXXX XX/XX/year>. I was under they impression that I would be receiving a XXXX  XXXX XXXX card. I waited and waited. Today on XX/XX/XXXX I was spoke to a money network associate, they informed me that my money was taken off my card and a email and pin was created. I have no access to the email so money network asked for the deposit amount on my account, I disclosed that information. Money network informed me {$12000.00} was taken from my account with 6 transactions and money was sent to a persons bank account that I do not know and also money was taken from an atm in XXXX. I do not live in that area nor do I know who the money was transferred too. I have made a dispute with Money network regarding this issue, I also have informed money network to not mail anything to the address on file, I gave them a separate address. I can not trust the address on file, because someone had to have access to the mail box to do this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX y XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I Recently Received A Copy Of My Credit Report & Notied They Where Fraudulent Activity
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX