23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After my divorce the year of XXXX  I found out my XXXX  who knew on my information got phone credit lines credit cards and so much more under my name using my information so I did report this to fraud I showed them the proof and this account I received in the mail today they're wanting payments but it was already disputed and it was removed from my credit report so I don't understand why I'm receiving this again, the actions that I took was I reported him to fraud and to this company I showed them proof that he was using my identity and the amount that they're wanting is close to {$800.00} this was not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX {$570.00} Inquiries - XXXX XXXX
Product: Credit card

After many years of making payments on time, American Express failed to credit my XXXX electronic payment on time. I always pay off my balance in full to avoid interest charges, but the one payment issue resulted in a late fee and XXXX additional interest charges totaling {$130.00} and forefitted reward points. 
American Express scheduled my due date on XX/XX/XXXX even though it is a national and banking holiday. I used my bank 's bill pay service to send the payment on XX/XX/XXXX so it would arrive a day before the due date on XX/XX/XXXX. Attached is a copy of my bill pay statement showing the payment would be sent on XXXX and received on XXXX. Also attached is my bank statement showing the XXXX payment cleared my bank on XXXX. A month later I noticed American Express didn't credit my account until XX/XX/XXXX, XXXX day after their due date. 
I spent at least an hour on the phone with American Express to try and resolve the issue. They said their system shows the payment was credited at XXXX AM on XX/XX/XXXX. They opened a case but then closed it without notifying me or asking for any supporting documentation. I find it hard to believe they didn't have access to my payment before XXXX PM on XX/XX/XXXX. I think they had their systems turned off for the holiday even though they are the ones who set the due date on a holiday. I am requesting the charges and reward points be refunded since I have evidence they had access to the payment on XX/XX/XXXX.
Product: Debt collection

The Debt Owed was Paid Directly to the OWED Creditor XXXX XXXX However the Collection company Is trying to stay on my report they had no involvement In collecting this debt now as I aware of them until after XXXX was paid I want the Remark DELETED from my consumer report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support

my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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 Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite my previous written request, the unverified account listed below continue to report on my credit file in violation of federal law. The last letter I sent to Equifax was dated XX/XX/XXXX but I never received a response from them. I request a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with this account which bears my signature. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


Original creditor : XXXX Date opened XX/XX/XXXX Balance {$380.00}
Product: Credit reporting or other personal consumer reports

I tried to open an Equifax account on XX/XX/24 so I can easily freeze and unfreeze my credit score. During the registration process it gave me an error saying " We can't complete your enrollment at this time. Please call the Customer Care Team at XXXX. '' I tried two separate times and my second call I was on hold for XXXX minutes before giving up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX  Inquiry Date XXXX XXXX  Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - tied up XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXXDEPT OF ED , has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq  date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX and TransUnion and have noted following discrepancies above.
Product: Debt collection

I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXXXXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX  who has not been shopping anywhere since my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX resulting in my XXXX XXXX XXXX XXXX XXXX XXXX  I was home and had no further need to shop at any of these places and someone used my personal information knowing XXXX XXXX XXXX XXXX XXXX and would not become aware until it is too late and now no lender will approve me and XXXX XXXX XXXX XXXX XXXX XXXX please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year XXXX XXXX XXXX XXXX  and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard XXXX XXXX XXXX this is abuse on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

To whom it may concern. 
on XX/XX/2024, I received an invoice from XXXX XXXX XXXX XXXX Collecting a debt I have submitted the remittance as instructed by the commercial code To Capital One I have also explained to Capital One that A promise or order that is not payable to bearer is payable to order if it is payable to the order of an identified person or to an identified person or order. A promise or order that is payable to order is payable to the identified person. An instrument payable to bearer may become payable to an identified person if it is specially indorsed pursuant to Section 3-205 ( a ). An instrument payable to an identified person may become payable to bearer if it is indorsed in blank pursuant to Section 3-205 ( b ) Also, according to. U.C.C. 3-603. TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender of the obligation. Neither to say capital one ignored my endorsement And pursued to sell my personal information to a 3rd party by the name of XXXX XXXX XXXX XXXX This collection agency is threatening to collect the debt that does not belong to them By sending me an invoice statement collecting A high balance of {$470.00} On behalf of Capital One I have also asked Capital One Do not sell my personal information I also have asked Capital One to do a investigation On this account in regards to the Remittance and why was not proper endorsed, Neither to say Capital One Retaliated by putting this information in my consumer credit report without any proper notice to the consumer I am asking XXXX XXXX XXXX XXXX to provide validation Of this Collection I will be giving instructions on the PDF filed Through the CFPB portal.
Product: Credit card

This is the third time I have reopened this fraud claim. 

I found fraudulent charges to my credit card. I filed a claim and was refunded the amount. A few weeks later I was denied the fraud claim and the refunds were reversed. 

I called and asked to reopen the claim and requested that the claim make a note that the charges occurred in a different location ( more than 300 miles away ) while I had charges both the day before day of and day after in my location where I am currently living proving that I couldnt have made the fraud purchases that I am disputing. 

The claim was then denied again based on evidence that the merchant provided to BofA. When I asked for the evidence that the merchant gave BofA I was told it was a verbal transaction between merchant and BofA. There was no physical document of evidence that the merchant provided to BofA. 

I asked to reopen the claim again and that I request a copy of the documentation BofA used to deny my claim. 

It is now XX/XX/year> and I have received a letter from BofA containing a bank statement. Nothing else. Nothing that proves any evidence for denying my fraud claim. 

I have been a BofA customer for 28 years and I am outraged on how this is being handled.
Product: Debt collection

XXXX was my provider about 4 years ago ; I ended my service & returned equipment to a local Authorized XXXX XXXX ; it was a 1st party XXXX XXXX A couple years later, I was trying to buy a house & discovered a {$950.00} bill sitting on my credit. 

I went directly to XXXXXXXX XXXX ; they checked last time I had service ; confirmed I ended & owed nothing at that visit Ive had only XXXX since and reported disputes with XXXX & 1 of the others. Still showing {$950.00}. The debt had been sold to a collection and I tried to obtain the address service was started ; no luck. Someone setup service in my name!
Product: Debt collection

My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a HSBC USA bank account on XX/XX/XXXX, then when I tried to make a transfer after few day, HSBC called me to verify all the information. After that, HSBC tell me they decided to close my checking account, that is really bad, I am the HSBC customer for over than 6yrs in other city, my family banking with HSBC over than 30 yrs.

After they decided to close my account, they said someone will contact me shortly, but i never receive any notice from HSBC.

After 20 day they decided to close my account, they still not close my account, but not allow me to access my account and fund.

I contacted HSBC so many time, they said we don't have the exactly time when your account will be close, and your remaining balance will be return to you after your account has been closed? What is that? They don't know when will be close????? The money will not release to you until your account has been closed???? So the bank can freeze their customer money whatever how long they want? How stupid is that????? 

HSBC XXXX really means XXXX? 

PLEASE HAVE A VERY CAREFUL CONSIDERATION BEFORE YOU DECIDED TO BANKING WITH HSBC, SO MANY INTERNATIONAL BANK IS BETTER THEN THAT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX XXXX XXXX XXXX XXXX Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with XXXX XXXX XXXX XXXX and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that Portfolio Recovery filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that XXXX XXXX  sold the account to Portfolio Recovery AFTER XXXX XXXX KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if XXXX XXXX or Portfolio Recovery takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, l ) owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 16814. 
XXXX
Product: Credit card or prepaid card

My employer sent me a gift amount approximately XXXX. in a visa debit card. I activated the card last week went to use it believe XX/XX/XXXX told it was emptied. Upon further investigation told multiple purchases made at XXXX by a person last name XXXX lives in NJ. I have filed a report with my prepaid center visa debit card. I have no idea how this could have happened but left feeling vulnerable. I believe I tried using the card at a XXXX XXXX before realizing the card is good for certain stores chains. Thanks
Product: Checking or savings account

I made 3 transactions with the merchants XXXX in the amount of {$290.00} on XX/XX/2020, XXXX XXXX in the amount of XXXX on XX/XX/2020, and XXXX 's in the amount of XXXX on XX/XX/2020 which all 3 transactions were cancelled and confirmed by merchants with emails of the cancelled transactions. I contacted my financial institution several times through the application, and I was provided a phone number through the application to contact the Moneylion at XXXX. Upon contacting Moneylion on XX/XX/2020, the representative confirmed the 3 pending amounts on the account, but was unable to provide any explanation on the the whereabouts of the missing funds that were not made available and that as of XX/XX/2020 was still showing as pending in the account. I requested to speak to a supervisor in which my request was not honored and the call was ended without a resolution. The morning of XX/XX/2020 I checked the moneylion application for the pending transactions in which were no longer showing and the funds had not been place in my available balance, the transactions and funds were missing. I contacted moneylion and while holding there where constant dial tones and upon speaking with a representative, the call was disconnected after my request for a supervisor was refused. I then called again, and after a being placed on hold once again, a representative claiming to be the representative that disconnected the call previously called the line, The representative began to explain that there were no available supervisor, and once I explained to the representative again about the missing funds He advised that he was reviewing my account but provided incorrect dates of previous of my past conversations as he said he was referring to prior notes written by previous representatives and could not explain why the funds from XX/XX/2020 transactions showed pending status until XX/XX/2020, and and on XX/XX/2020 funds had not returned to to my account as available. I again was not provided a resolution nor was my request to speak to management granted. As shown here in the attachment, funds from each transaction was not credited simultaneously back into the account and used for the next transaction, I had to transfer funds from my Branch bank account to make each transaction due to each amount being on hold until the disappearance of all the transactions on XX/XX/2020.