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

My information was impacted by the XXXX Data Breach and many items in my TransUnion credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

Fraudulent Item & Explanation : 1. XXXX XXXX XXXX XXXX- {$3800.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 3. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 5. XXXX XXXX  - {$21000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 6. XXXX - {$910.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 7. XXXX  - {$360.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 8. XXXX XXXX - {$390.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 9. XXXX XXXX XXXX XXXX XXXX  - {$1000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 10. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 11. XXXX XXXX XXXX- {$410.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 12. XXXX XXXX- {$1200.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 )
Product: Mortgage

In XXXX, XXXX Loancare paid the wrong parcel id number from my escrow account. The amount they paid was double what my property tax payment should have been, leaving me with a shortage in my escrow account. On or around XX/XX/XXXX I called Loancare to let them know that I received a delinquent notice from the county because my taxes were not paid. I also uploaded the delinquency notice to their website, as they told me to do. I was told I would hear back within 7 days, but I didn't so I called again on or around XX/XX/XXXX. I was told that the delinquency notice was showing up in the system, and again that I would hear back within the next 7 days. I received no call, so I called again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. Each time I explained that my payment has increased due to the " shortage '' in my escrow account, and that making the additional payment is a hardship for me. I have been advised 3 times that my issue has been escalated, and that I would receive a call back within XXXX hours, and I have only once received a call back to inform me that the tax department was reviewing and would get back to me ... which they never did. When I called again today, I was told they still have not corrected this issue. Now, my XXXX payment with the additional escrow payment is due in a couple of days, and there is still no resolution, which is very stressful.
Product: Debt collection

This is a follow-up to a complaint I filed XX/XX/2020 with the case number XXXX. My complaint was against unnamed callers who have been calling for two years attempting to collect a debt owed to HSBC they have connected to a street address I lived at over ten years ago. I have no memory of ever having a line of credit with HSBC. I have had my credit score checked numerous times since these calls have been coming in and this debt has never appeared. I have made large purchases where my credit was checked and this HSBC debt was never mentioned. The callers have been abusive while threatening legal action and saying the name of my current address to perhaps scare me into paying them ( They only accept credit card payments over the phone ) I have already submitted all the phone numbers they have called me from in my previous complaint. 

I received a return letter from HSBC XX/XX/2020 stating there was no record of my name in their system and that none of the phone numbers provided had any affiliation with HSBC. 

But last week on XX/XX/2020 I received another robocall voicemail from the phone number XXXX XXXX XXXX. As usual, they do not announce where they are calling from, just that they are looking to verify my current address and place of work to proceed against me. They said they will be calling the human resources department at my work to move forward in their actions. But their client ( whoever that is ) is willing to settle if I got in touch by the end of the day. They ended off the call telling me this is a final warning and telling me to call this number : XXXX XXXX XXXX. They gave me a case number of XXXX. 

I thought I went through all the proper actions to get these calls to stop. How can I finally be done with receiving these calls? I do not owe this debt they have been harassing me with for over two years. I have asked them to provide more information on this supposed debt and all they tell me is it's from HSBC and the amount ( which fluctuates every time I ask ) There has been no attempt to provide printed documentation of this debt. As I stated above, these calls have been coming in for two years now. I would like them to stop without me resorting to hiring a lawyer. I am a man who suffers from XXXX XXXX on a fixed income and I can not afford such things. 

I just want the calls to end and I would like this unnamed organization to be stopped from harassing people.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023, I initiated a transaction to pay my XXXX XXXX credit card payment through the online bill payment system at my bank, Capital One. The amount of the payment was {$3600.00}. On the morning of XX/XX/XXXX, I checked my bank account and saw that the payment was actually sent to XXXX XXXX, rather than XXXX XXXX. The payment said pending, but when I called Capital One, I was told that since it was an electronic payment, they could not stop the payment. I filed a dispute on the payment with Capital One, which they declined because they said that I directed them to send the payment to XXXX XXXX, and that XXXX XXXX had " accepted '' the payment. They provided me with a credit trace # to track the payment with XXXX XXXX. I do not know if it was my error or the bank 's error that caused the money to be sent to XXXX XXXX instead of XXXX XXXX. I have called XXXX XXXX XXXX XXXX and I have gone into the local XXXX XXXX store. XXXX 's tactic has been to transfer me in a loop to various people in their foreign call center and to deny that they have received my money. I have spent hours on the phone with them and each time, I am transferred to at least XXXX different people, none of whom are willing and/or able to give me a definitive answer about whether or not XXXX received my money. I have had to take money from my savings account to pay the actual credit card payment to avoid having to pay late fees and interest. So, I have spent XXXX XXXXXXXX in less than a month. I am not sure if the credit trace number I received from the bank is a " confirmation '' that XXXX actually received the funds or if it only means that an electronic transfer was attempted. In any case, XXXX is telling me to talk to the bank and the bank is telling me to talk to XXXX. But each one has closed the case and refused to admit that they have my money. The bank at least provided written notice that they closed the case. I have asked them to reopen it. XXXX XXXX is refusing to help me at all. I only know that the case was closed because that's what the customer service person told me when I called to inquire about whether XXXX XXXX has the money. At this point, it seems that I will need to go through the time and expense of taking legal action to recover my funds. This is very unfair to a consumer. When I asked the bank to reopen the case, they said I would have to wait 15 days to get an answer. Meanwhile, I have bills to pay and I have no assurance that the money will be returned to me at that time. I have suffered both mentally and physically as a result of Capital One and XXXX XXXX ' handling of this erroneous payment.
Product: Vehicle loan or lease

Per New York State Department of State, Division of Corporations DOS ID : XXXX, Capital One Auto Finance , Inc. ability to do business within New York State has been suspended since XX/XX/XXXX ; However, XXXXXX/XX/XXXXentered me and my wife, XXXX XXXX into a loan with Capital One Auto Finance , Inc. on XX/XX/XXXX and did not disclose that Capital One Auto Finance , Inc. ability to do business as a foreign entity in New York State had been terminated. 

If the XXXX AXX/XX/XXXX would have disclosed that Capital One Auto Finance , Inc. was not authorized to do business within New York State, I wouldn't have brought that car using Capital One Auto Finance , Inc. per the dealer.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Amount of {$4900.00} Account Number XXXX Amount of {$2000.00} Account Number XXXX Amount of {$430.00} I did an FTC report and sent it to each credit bureau on XX/XX/2021.
Product: Credit card or prepaid card

My fiance and I both applied for a card with Citibank and were denied due to the fact that some information could not be verified. We were both told that we would receive a letter in the mail within 10 business days stating the reason why we were declined. However, neither of us have ever received a letter stating the reason for the rejection. We called customer service numerous times and were told that a letter would be sent, but neither of ever received such letter. We recently moved to a new location and felt that it had something to do with the address previously being associated with a business. With this in mind, we sent a letter demanding that the reason for rejection be disclosed to us and also included a copy of our current drivers licenses as well as two bank statements with the current address and our names to prove that it was the correct address. We have yet to hear one word from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I am not responsible for a suncoast credit union account nor a XXXX account and the account is fraudulent. Suncoast credit union, XXXX and XXXX, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in XXXX hours I will take legal action. Its been over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation
Product: Checking or savings account

XX/XX/XXXX On Line Banking through XXXX XXXX to B of A for XXXX for Mortgage payment. 
XX/XX/XXXX Verified payment was received with B of A. Not Received XX/XX/XXXX Verified again and no payment. Called B of A and CSR person advised me that no payment was received again. B of A CSR advised me that they did an update on their mortgage window and everything was in limbo. Called XXXX XXXX  to verify they made the Mortgage payment. They did and they gave me the number of the electronic transfers to B of A. 
XX/XX/XXXX Called XXXX XXXX and the bill pay CSR opened a case. 
XX/XX/XXXX Went to my local XXXX XXXX branch and they made a few calls. They assured me they were working on it. CSR at XXXX XXXX  gave me his number to keep in touch. 
XX/XX/XXXX Called my local branch CSR person and they didn't have any further details. 
XX/XX/XXXX Made 2nd payment via bill pay from XXXX XXXX to B of A for the same amount as the XXXX payment. Didn't want to incur any late charges. 
XX/XX/XXXX Checked B of A on line banking and my payment was received. However, they applied all wrong. Called B of A and advised them they corrected ti within 24-48 hours. 
XX/XX/XXXX - 27 called numerous times to B of A and finally on XX/XX/XXXX received a case number. 
XX/XX/XXXX Called for an update and CSR person said no results yet. Advised B of A that no XXXX payment would be made until the matter is resolved. 
XX/XX/XXXX Still missing my original XX/XX/XXXX payment. VERY FRUSTRATING!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address a critical issue regarding false information on my credit report, which I believe stems from a data breaches involving several organizations and several others, including Department XXXX XXXX XXXX in South Carolina, XXXX which called it an Account Takeover, XXXX XXXX and XXXX and XXXX and Paypal. This erroneous information has severely impacted my credit score, which has plummeted from an excellent XXXX to a level that is now detrimental to my financial well-being. 

As you may understand, the integrity of my credit report is paramount to my ability to secure loans, obtain favorable interest rates, and maintain a healthy financial life. The inaccuracies attributed to the companies above have not only damaged my credit score but have also caused significant emotional and financial distress. I urge you to recognize the severity of this situation and take immediate action. 

I respectfully request that you conduct a thorough investigation into these discrepancies and remove all false information from my credit report within the next XXXX days. Failure to do so will leave me with no choice but to explore legal remedies to rectify this injustice. I believe that both you and I would prefer to resolve this matter amicably rather than escalate it further. 

Please confirm receipt of this letter and provide me with an update on the actions taken in response to my request. I am hopeful for a swift resolution and appreciate your attention to this urgent matter. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX -- - **Final Review Notes** - The letter clearly outlines the issue of false information on the credit report due to a data breach. 
- It includes a specific timeframe for action ( XXXX days ) and expresses the potential for legal action if the issue is not resolved. 
- The tone remains professional yet persuasive, emphasizing urgency and seriousness. 
- Personal details such as name, address, and contact information should be filled in as needed before sending.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a fence contractor XXXX XXXX of XXXX asked me to XXXX him {$3500.00}. The payment options were XXXX or cash to obtain village permit and materials before beginning the construction. I thought the bank would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( Bank of America ) said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXX {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX
Product: Money transfer, virtual currency, or money service

I canceled one transaction and still remove the money from my account and another transaction still not processed yet and I need refund {$240.00} and {$240.00}
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax is giving me the run around online and by phone. I called their dispute line and I have called their regular line. I can not check status online and additionally questions to verify my ID are wrong. Equifax asked if I CURRENTLY have a Credit Card with XXXX, XXXX XXXX XXXX  or NONE. I chose NONE because I do not CURRENTLY have have a Credit Card with either of these companies. I cancelled those cards years ago.

How can I fix anything, if Equifax refuses to give me a human to talk to and has Misinformation with Verifying my identity. I can not get anyone to talk to me to fix my issue. I am the consumer and they are playing games with my accessing My Credit Information.

This code they emailed me does not work, nor my DOB, nor my Address, nor my SSN, nor my Full Name, they are telling me this information is wrong yet I can use this same info with XXXX and XXXX. I think I know my full name, address, DOB, and Social Security number.
Product: Debt collection

I have had a payment plan for three accounts with Midland Credit Management for almost three years and have made very payment on time with direct debits from my checking account. On XXXX XXXX, an unknown party gained access to my routing and checking account numbers and fraudulently withdrew several thousand dollars from my account Because of this, my bank changed my account number. 

I attempted to change my bank account numbers on Midland 's website, however, they do not have a mechanism to do this and only gave a number of a representative to call. I called that representative four times over the course of several weeks and left messages asking to update my information so that my automatic payment could be processed. I also emailed Midland two times requesting the same. I never received a response. I then mailed paper checks to Midland to make the payments, however, due to the communication delays on their part, the payment was later than scheduled. 

Midland has now reported the account as a collection account which they have not done previously in the three years I've been working with them. I simply want them to contact me or provide some sort of mechanism to update my payment method and to remove the collections report from my credit report since they never responded to my attempts to update my information. My payments on the accounts are current ( in fact two of the three I had with them are now paid in full ). Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I traded in a leased Toyota XXXX XXXX at XXXX toyota. This account is closed and paid. I dont have any missed payments. I tried to explain to them but they insisted that I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2, it also states that a consumer reporting agency can not not furnish any account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Step 1 : What is this complaint about? 
Back in XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XXXX ; however, the school was shut down and no longer accredited. 

Step 2 : What type of problem are you having? 
I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XXXX XXXX, currently back in school pursuing another degree at a junior college. 

Step 3 : What happened? 
The Board of Education did not recognize XXXX-XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. 

Step 4 : What company is this complaint about? 
XXXX-XXXX XXXX, CA Step 5 : Who are the people involved? 
I currently owe money to XXXX ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.