23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened an account with HSBC in XX/XX/2008 and have been a customer since then.

Apparently when my account goes into overdraft money is automatically pulled from a line of credit from HSBC. When I go into overdraft I always have cash added to my account within days to cover more than the overdraft. When money is added to the account, they do not automatically pay off the credit line until after they reported the delinquency to the bureau. In the meantime, there is no indication when logging in on the account online that an account is past due or anything.

However as I was not even aware that they opened that line of credit and that it would work that way. I was assuming that they would either decline overdraft transaction or allow the overdraft and any subsequent transfer of cash would cover any negative amount.

Recently, I went overdraft and they funded it with that line of credit, without me being aware of it. As the line of credit balance aged, I was not mailed anything regarding the delinquency. I also was not warned they would report the delinquency to the bureau, all of this while my account actually had more than enough money to cover the amount due. They ended up reporting me to the bureau and I found out about the delinquency in my credit report! I was not even made aware of it by HSBC. When I log in online, I see no notification of any pending delinquency. The worst part is they manually transferred money from my checking account to cover the delinquency AFTER they reported me to the bureau. So they apparently could have paid off the amount due without causing me any lasting damage.

This is a clear UDAAP issue as I am being deceived in the way that my checking account works, I am not notified properly as this line of credit ages and they actually the ability to pay off the amount due before the damage.
Product: Debt collection

I received a call from XXXX, A XXXX XXXX claims to be from XXXX  XXXX XXXX and that I owe money for Ace Check and Loans. I contacted Ace loans directly and spoke with their collections department twice and gave them my social security number, they told me that my information is not in their system and never has been. XXXX told me this account was opened in XXXX and its now with an attorney and my case isn't with them anymore, she never gave me any contact information for them and Ive never received any communication regarding ACE, the last time I applied for Ace loans, many years ago, they denied me, which at that time my credit score was very low so I would not have been approved for any loans. Only cash advance place Ive ever been involved with is XXXX XXXX XXXX and that was around XXXX. Ive checked my credit report as well and there is no Ace located in any of my past accounts. Every time I call the company back to get more information they hang up the phone or give me a nasty attitude, they refuse to answer my questions. I need to know whats going on and why are people claiming to be from this company calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax Credit Information Services , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX ) 2. ( XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX, XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit Reporting Agency has sent several result letters stating that they've investigated the accuracy of the XXXX XXXX bankruptcy, and they're stating on the results letter that they've verified through third party Lexis Nexis which I don't understand how this is feasible since I have a security freeze on my credit report since 2019. Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that do not belong to me. Ive reached out to the credit bureaus and the companies.
Product: Credit reporting or other personal consumer reports

This is my six 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I originally filed a complaint about this debt collection XXXX, as it does not belong to me. I asked for anything showing it was mine. The company stated they sent me documentation, but nothing was sent. Under the Fair Credit Reporting Act, this company has 30 days to respond, and they have yet to. This is not my debt. I do not owe them anything.
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 : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 card

I have contacted Capital One by registered mail on XXXX separate occasions since XX/XX/XXXX, requesting a validation for account. The first being delivered and signed for on XX/XX/XXXX, On all occasions, they failed to provide the requested documentation, information, or to notify credit bureaus of the dispute. 
All steps followed CFPB examples and Capital One failed to properly validate and send me all of the documents CFPB indicated I could request. 
On all XXXX occasions they failed to notify any of the XXXX major credit bureaus that account was being disputed by consumer as required by law. 
After my XX/XX/XXXX letter requesting validation, not only did they fail to notify any of the credit bureaus that account was in dispute. But in possible retaliation, on XX/XX/XXXX they notified XXXX the account was over credit limit again. This over limit was reported by Capital One to the XXXX credit bureaus in late XX/XX/XXXX, and the account according Capital One has been closed since XX/XX/XXXX. 
In XXXX I made an on-line dispute through XXXX in regards to a separate issue about this account. At that time the dispute was reported by Capital One to XXXX and XXXX as account being disputed and that dispute was resolved. However, it was not resolved or investigated. 
At the time of the filing of the online dispute, XXXX was NOT notified this account was being disputed.
Product: Credit card or prepaid card

Afees star card ... .has been taking my tax returns including stimulus and tax credits... formten years ... .form a XXXX limit... it took mine and my exhusbands two years straight ..over XXXX both years ... until we realized we had to file seperately... but his card... wasn't... even though it also never got paid ... but they don't take his return ... or his third stimulus... it's been over ten years ... I've been divorced for 4... he's been out of.XXXX for 6 ..and still... they keep taking everything..every year ... has to be almost XXXX ... by now
Product: Credit card or prepaid card

I have a Capital One XXXX XXXX card. As a sign up promotion I was told I would receive a {$200.00} credit for any vacation rentals. I stayed in an XXXX in the beginning of XXXX and I have still not received my credit. I reached out to capital one many times and they keep on pushing me off regarding this refund. I finally spoke to someone in XXXX who decided to open a claim and I was told I would get a response within a few days. Their response was that i need to wait some more time i waited till the end of the next billing cycle and it is still not in my account so it is now after 3 billing cycles and i still have not received the credit. I spoke to someone today and they said that i should keep waiting and eventually it will come, they did not give me any more information then that. They all said that it should not take more then 1-2 billing cycles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I paid off my collection debt with XXXX XXXX and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from XXXX XXXX. I am requesting that XXXX XXXX takes that off all XXXX credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation. 

XXXX XXXX
Product: Credit card

I am filing a complaint against both the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Chase regarding a disputed transaction on my Chase Freedom Rise card. On XX/XX/year>, I was charged for a therapy session provided by XXXX XXXX XXXX, which I arranged through their contact number ( XXXX ) XXXX and website https XXXX XXXX Prior to the session, XXXX XXXX XXXX, managing the front desk, assured me that XXXX XXXX was a licensed psychologist capable of independently conducting sessions in Georgia. 

However, post-session, it became apparent that XXXX XXXX lacked the professional conduct expected of a qualified psychologist. After verifying her qualifications and questioning the wellness center, I discovered that she is not licensed to practice independently and was under the supervision of XXXX XXXX XXXX XXXX. This critical information was deliberately concealed from me until after my session. The consent documents I had signed mentioned only XXXX XXXX, indicating an attempt by the center to obscure the fact that she was not qualified to provide the services independently. 

XXXX XXXX 's lack of qualifications severely compromised the quality of the service provided, affecting my trust and raising concerns about the integrity and confidentiality of the therapy. When I challenged the wellness center about her practice and requested cancellation of my automatic payment, they ceased communication and deleted my account from their patient portal, preventing me from downloading any documentation. 

Despite providing Chase with evidence of the misrepresentation and the poorquality of the service, Chase concluded that since the service was rendered, irrespective of its quality, I am obliged to pay. They insisted that I resolve the issue directly with the wellness center, even though I had told Chase that all my communications have been ignored. Furthermore, Chase refused to assist in canceling the automatic payment set up with the merchant, advising me to monitor my account myself.

Given these circumstances, I am seeking intervention from the CFPB to address this clear case of fraudulent misrepresentation and the refusal by Chase to acknowledge the core issue regarding the quality and legitimacy of the psychological service billed. 

Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

There is a 2nd and 3rd Lien ( HUD ) on my home title due to an error ( duplicate entry ) by my mortgagee company, Mr. Cooper. I have been trying to get them to fix the problem since the end of XX/XX/XXXX so that I can refinance my home. I have been in contact with the Loan Mitigation department at Mr. Cooper and all they are saying is that they are working on it. I have sent them all of the documentation from HUD stating that there should only be 1 lien, so I'm not sure what they have been working on. XX/XX/XXXX they said they needed to send a form to HUD for them to sign. I spoke with HUD today and they said Mr. Cooper has to contact my county to have the lien released. There is nothing for HUD to do. Not only is Mr. Cooper not fixing the problem, it is nearly impossible to ever actually speak to an individual. I was told that the only department that can help me is the " Loan Mitigation Dept. '' and it seems as if there is only 1 individual that works there. She works from home and never answers her phone. I always leave a message and she might return my call within 3-4 days. Very poor customer service. I'm not sure what else to do. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past few years to present day, I've opened multiple accounts with Credit Union such as Credit Cards, Personal Lines of Credit etc. Till this day none of the accounts that I opened with this bank hasn't been reported on my credit report. By this issue keep happening, my credit scores should be higher but their not. Its keeping me from purchasing a home that I deserve and work so hard to try to achieve but since accounts isn't reporting its but a damper on owning my dream home.
Product: Credit card or prepaid card

I need to buy XXXX medication for my mother who is extremely ill. I called Capital One and asked them if I make a full payment will the money be available to me the next day so I can buy the medication for my mother. They told me on the phone that if I paid in full the money would be available back to me the next day by XXXX - XXXX. When I work up this morning to goto XXXX to buy the medication the money was not on my credit card. I just says XXXX balance. When I called back they said it could take days to weeks to clear. I have never made a late payment.
Product: Credit reporting

Midland Funding is reporting on my credit for XXXX debts. I do not know anything of these debts as I have not done business with Midland Funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax advising them about several inquiries that was not authorized on my credit report. Equifax received the letter on XX/XX/2022 at XXXX, I also completed a Identity Theft Report and attached it here along with the letter with the unauthorized inquiries listed. I also sent a copy of my state ID and proof of residence to Equifax and attached it here as well. 

Please delete all inquiries please immediately.
Product: Checking or savings account

I have a XXXX dollar charge from freeshipping -XXXX  that I do not recognize. I do not know what this charge is. It had been recurring. I tried to call numerous times and I am put on hold and nobody ever answers. I want all charges reversed.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I sold a ring for {$1000.00}. Having used Venmo to send small amounts of money to friends, I thought this would be the easiest and safest way to make the transaction. After the purchase was made, Venmo emailed me to tell me that I had to transfer {$400.00} to the purchaser through XXXX and send them a screenshot of the transaction. I asked, instead, for the purchaser to be refunded so we could us a different payment option. Because this request was refused, I made the transfer of {$400.00}. Since then, I have transferred a total of {$1900.00} so {$2900.00} is sitting in a Venmo account and not being refunded to me. I wouldn't normally make these transfers, but kept being told this was standard procedure and nothing to worry about since the transfer would allow my money to be returned to me. Yesterday, at XXXX CST, I was emailed that my money would be refunded " within the next 1-2 hours ''. 26 hours have passed and I haven't received a refund and Venmo is no longer responding to my emails.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt collection attempt and report multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Texas state law by Innovative Recovery and their client, XXXX XXXX I request that the CFPB investigate these illegal debt collection practices immediately. 


On XX/XX/XXXX, XXXXXXXX XXXX filed a motion for nonsuit against me as the defendant, acknowledging violations of my rights under the Texas Property Code. Despite this dismissal, on XX/XX/XXXX, Innovative Recovery sent a collection email regarding this same disputed debt. 


The email sent by Innovative Recovery on XX/XX/XXXX, contains several violations of the FDCPA and Texas debt collection laws : 1. Lack of Mini-Miranda Warning : The email fails to provide the required warning at the beginning of the message. 

2. Incomplete Debt Validation Information : The email does not provide the required validation information about the debt, including the amount owed and the name of the creditor. 

3. Potentially Misleading Urgency : The statement about a 7-day payment link availability may create a false sense of urgency. 

4. Lack of Bond Information : The email does not mention the required {$10000.00} surety bond that debt collectors must file with the Texas Secretary of State. 

5. Incomplete Disclosure : The email does not clearly state the name of the original creditor or provide a breakdown of the debt amount. 

Credit Reporting Violations Innovative Recovery has already damaged my credit report by reporting this disputed debt to all three major credit bureaus without adhering to both state and federal debt collection laws, specifically the failure to provide the required Mini-Miranda warning prior to credit reporting. I will be filing disputes with all three credit bureaus regarding this matter. 

******* Dispute of Debt ******* I hereby dispute the total sum of the alleged debt. Given the nonsuit filed by XXXXXXXX XXXX and the numerous violations in the collection process, I assert that this debt is not valid and should not be subject to further collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681, 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX Re : Convergent Account # : XXXX Client Account # XXXX Creditor : XXXX, XXXX XXXX XXXX XXXX XXXX is claiming I have a debt with XXXX. 
I have never had a XXXX account. 
It seems this is a scam to get senior citizens scared into paying " debts '' which never existed. 
I do not have any responsibility for the debt they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$94.00} XXXX - XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX, XXXX, XX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent accounts continue to appear on my credit report. Upon discovering this fraudulent account, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the accounts remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove these fraudulent accounts from my credit report. The continued presence of these fraudulent accounts are unwarranted and damaging to my credit standing. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred some funds into a savings account with citizens, transferred way more than intended, but could live with it. Was told it would be available for me to move money around. My money has been on indefinite hold since XXXX with no end in sight, no effort to communicate from them, awful experience. I have dates and data of all these if needed. It was my honest mistake to work with this institution I wont ever make that choice again