23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD, XXXX RE : inquiry removal While, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry.

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf.

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number.

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX Best regards,
Product: Debt collection

In XXXX, I responded to an invitation from XXXX XXXX XXXX to open an account through XXXX XXXX. After completing, and being approved, I placed an order for approximately {$80.00}. After several weeks, I called inquiring about the order and was told it had been shipped. 

I subsequently received a billing statement from XXXX XXXX XXXX for the order. I again called and asked for them to track the order but did not receive any updated information. 

For a number of months, I continued to receive statements, which I would mail back with a message advising I had never received the order and requesting either : proof of delivery, replacement order or full refund credit to my account. 

The creditor never responded to my request. Instead, they placed the account for collection. When the collection agency contact me, I explained the situation and was informed they were closing their file. 

In XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) sold my charged-off account to XXXX XXXX XXXX, XXXX who posted the account to the credit bureaus as a new debt item and has proceeded to show it as a past due item each month. XXXX XXXX XXXX, XXXX subsequently assigned the account to a debt collection agency named TrueAccord. 

Upon learning this, I filed disputes with both XXXX  and XXXX XXXX. 

In response, I received from TrueAccord a copy of XXXX XXXX XXXX 's credit card agreement and a XXXX XXXX XXXX statement dated XX/XX/XXXX totaling {$370.00} - with the increase from the original amount due resulting from a {$40.00} per month " late fee '' and a monthly interest rate of 21.74 %. 

TrueAccord has advised they can not do anything with the credit bureau information as they are only the collection agency. XXXX XXXX XXXX, XXXX has advised they do not report to the credit bureaus and I must contact XXXX XXXX  to get this resolved/removed from my credit reports. XXXX XXXX  has advised they charged-off the account and sold it to XXXX XXXX XXXX, XXXX so they will not work with me. 

So, I am stuck with a growing debt for merchandise I never received being listed on my credit bureau reports. I want this resolved and my credit reports corrected but the three entities involved just keep pointing fingers at each other as to who is responsible.
Product: Money transfer, virtual currency, or money service

Hello I am contacting you about a serious issue I had with BBVA with a cash deposit to the ATM. The branch address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. The transaction occurred around XXXX XXXX on Monday XX/XX/XXXX. 

I was not sure which sup-options to navigate through in the form for this complaint since none were specific to my situation. 

My wife had just pulled out {$13000.00} in cash from unemployment backpay from her account and we immediately proceeded to the BBVA branch mentioned and attempted to deposit {$2500.00} into the machine to pay bills, XXXX {$50.00} bills and XXXX  {$100.00} bills were inserted into the drive through ATM. The machine jammed and would not return any bills or apply any of them to my account. My wife was beside me in car during this transaction.

I went into the bank at which time the branch manager came outside, told me to park my car around the front of the bank, and accessed the machine from the front. He then accessed the machine from the inside of the bank while I waited in the lobby. He was alone during both these periods of time. 

The manager told me he only found XXXX {$50.00} bills in the machine ( {$350.00} ) and that no other $ 50s or $ 100s were in the deposit holding section. I was told they would need to contact an ATM tech to audit the machine and that could take 48 hours but they would contact me, in the meantime they deposited the {$350.00} into my account. The following day I called the bank in the afternoon and spoke to the manager ( who never contacted me ) who said they had the machine audited and my money wasnt in it!?!? I called the police who sent an officer to speak with the bank staff but he called me after saying I would have to let them handle it internally first.

I filed a dispute with the branch and with the BBVA corporate number but nothing has come from that yet and I have been given no updates or contact information for anyone involved in investigating the situation. I am not sure if this is a technical/mechanical error with the machine or something more nefarious in nature but I am left out {$2100.00} and with no options at this point. The whole situation is unreal to me that {$2100.00} in big bills just can not be found. So that is my current situation/complaint. Thx
Product: Debt collection

XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well.
Product: Credit reporting or other personal consumer reports

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX [ XXXX XXXX ] [ XXXX Smiths XXXX XXXX ] [ XXXX VA XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the BBB and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.
Product: Credit card

To fully grasp the sequence of events, let 's rewind to XX/XX/XXXX. It was during this period that I found myself ensnared in the web of identity theft. Numerous credit card and bank accounts were illicitly opened in my name, with funds being siphoned from my accounts without my authorization or awareness. Resolving this ordeal became an arduous task, necessitating the filing of a police report, extensive communication with credit bureaus, and reaching out to my banking institution. The process stretched on for months, causing considerable frustration and stress. 

Fast forward to Friday, XX/XX/XXXX, when I received notification of a collection debt tagged onto my XXXX report, totaling {$2800.00}, courtesy of XXXX XXXX XXXX XXXX. Upon contacting them for clarification, I learned that the debt stemmed from The XXXX XXXX XXXX in XXXX, with the account number XXXX attached. Asserting that this was likely a remnant of the identity theft incident from XXXX, I promptly furnished them with a copy of the police report as evidence. Additionally, I initiated a dispute through XXXX and placed fraud alerts across all my credit bureaus. Thankfully, XXXX and XXXX acknowledged my innocence in the matter, ultimately resolving the issue. 

However, the repercussions reverberated through my credit score due to the debt 's appearance on my report. Subsequently, I embarked on a mission to rectify the situation by reaching out to each of my financial institutions. XXXX requested the aforementioned police report from XXXX as further proof of my identity theft, but in an unfortunate twist, someone erroneously flagged a legitimate Capital One Venture X card I had opened in XX/XX/XXXX. This card served as my primary means of daily transactions, making the abrupt closure without my consent all the more bewildering. The consequences were dire, as I forfeited over XXXX pointsequivalent to a substantial monetary value exceeding {$2500.00}. Frantically, I scrambled to reroute all my payments to a new card to avert any penalties. Despite repeated efforts through numerous calls to Capital One and XXXX, my appeals to reopen my account and reclaim my hard-earned points fell on deaf ears. I even obtained a letter from Capital One stating that account was opened by me legitimately, but my account was still not reopened.
Product: Debt collection

This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of a year, I have been trying to get a fraudulent account removed from my credit report with XXXX XXXX XXXX and Equifax Information Services. A year ago when I first saw the fraudulent account, I wrote to XXXX, Equifax XXXX XXXX right away. XXXX complied by removing the account. XXXX and Equifax removed the account but then put the account back on my report which later I found out are illegal by 15 USC 1681i ( a ). 

Since then I have been sending letters to Equifax XXXX XXXX requesting the XXXX XXXX  account to be removed. They have refused to do so. I have sent multiple letters and filed multiple FTC reports. They always respond by saying that they conducted research and this account is mine but they never show me proof of their research. I've requested they explain their process and show proof but they never do. It's becoming frustrating because I get the same generic template response as if a computer makes the decision and not even a real person looks into it. 

They have neglected 15 USC 1681i ( 6 ) ( B ) ( iii ) by not showing a detailed description of the procedure used to determine the accuracy and completeness of the information. 

I've even sent multiple Affidavits of Truths alongside my letters and FTC reports but they have never replied to my Affidavits. 

Both Equifax XXXX XXXX have had multiple court cases against them in the past regarding the same problems I am facing right now. At this point, I've hit a dead end and have no idea who I can rely on for accurate information or help regarding this issue. 

My recent FTC report number was : XXXX I pray and hope that whoever looks over my report at CFPB can help and make these reporting agencies fix this issue that has been a weight on my shoulder and giant wall in my finances. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... These accounts have several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from these accounts. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose
Product: Debt collection

I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough.
Product: Checking or savings account

HSBC is not providing clear information about all the fees for the account.

I suggest you simply go to http : //www.us.hsbc.com and try to find yourself the fees for the Choice Checking. If you go to this product page at https : //www.us.hsbc.comXXXX, you will not find a single link to the complete fee table.

This is an absurd. It should be very visible and accessible.

I had to contact the bank to have access to this information, that should be easily available. I ended finding the link : https : //www.us.hsbc.comXXXX  However it does not clearly state how much is it a transfer to my own account in a different bank.

When I attempted to the transaction, no fee was displayed - however knowing how disorganized HSBC is, I can't trust no fee will be charged.

There is a reason why I actually no longer use this bank.
Product: Credit reporting

Transunion is not actually investigating disputes. My identity was stolen and they 've rejected every dispute. I had to sue and finally get numerous incorrect data they never actually verified removed. Now they have another XXXX accounts and inquiry on there that are fraudulent and not mine, yet they claim they have verified. I have a police report proving they are not mine.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX PM Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

XXXX5 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

on XX/XX/24 a letter was sent to experian advising there was incorrect information reporting to my credit and they have yet to respond and correct the issue