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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit report accounts all XXXX agencies that been paid. In full. XXXXsold these accounts to multiple collection agency such .names as XXXX XXXX XXXX XXXX  And XXXX XXXX XXXX,... possibly other collections agencies.. These companies is requesting same exact Amount. And constantly affecting my credit scores for months with these ongoing Disputes.. Information doesn't match which l Have disputed this with Credit agencies for months. And these credit agencies stated this is accurate information. Which. Is not true and effective my credit scores for months. These bills down below attract shows different names. On the bills that iis not accurate information doesn't match. names is incorrect on all the disputes
Product: Checking or savings account

The initial complaint # XXXX was filed with the CFPB on XXXX XX/XX/2024 as HSBC suspended access to online banking after a mobile deposit was made. The account was opened on XXXX XXXX  2024. The first deposit was made with the mobile app for a minimal amount ( {$36.00} USD ). This mobile check was from a financial institution ( bank stock disbursement ). This check took XXXX days to clear. On XXXX XX/XX/2024 another mobile deposit of several XXXX dollars was made via mobile deposit from a check issued by XXXX. The following morning I tried to access my account from the online banking app which indicated that my account was suspended with a message asking me to contact the bank. The conversation I had with customer service via the chat app on the banks website indicated that they had no idea why the account was suspended but i was provided the securities department number and asked to call them. After speaking with the securities technician i was told that the account would remain suspended until the funds cleared 'for my protection '. Please read the initial complaint indicated above for more information on that conversation. I was told that once the funds cleared my account access would be restored. I was provided with the date of XXXX XXXX  2024. On XXXX XX/XX/2024 I tried to access my online banking account and found that the suspension continued. I called the bank again to inquire as to when the account would be restored and was told that the funds had cleared however, the suspension remains and that I would have to contact the securities department again for further information. I then filed the grievance with CFPB. CFPB indicated that they would send the complaint to the bank, which they did. After XXXX weeks of waiting for a response, I received notification last evening that HSBC had responded to my complaint. A letter authored by XXXX XXXX ( Assistant Vice President, Head of Customer Relations ) indicated that 'all blocks on my account were removed and the account was fully restored on XXXX XX/XX/ 2024. Because the bank wrote a letter indicating compliance and that they had responded to my complaint. CFPB closed the complaint. The issue is that XXXX XXXX was deceitful in her letter when she indicated that the blocks had been removed and that the account was fully restored as it has not. This has been corroborated this morning when I spoke with customer service who indicated that the account remains suspended and that access is blocked. So it seems that CFPB closes out a complaint as long as the back or financial institution says something despite it being a complete and utter lie. CFPB needs to do a better job. What should have been done is to ask the individual who made the complaint, if the issue was in fact resolved, before they closed out the complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the three major credit bureaus. For instance, XXXX, XXXX and Experian show 30 and 60-day late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I was contacted via mail by a company called Velocity Investments LLC who referred to themselves as a " debt collector ''. I responded to them disputing their attempts to collect some debt they were saying I owed them since I never heard of these people, following up in XX/XX/XXXX after they ignored my request to validate. I again followed up in XX/XX/XXXX when these people failed to give me what I asked for, which was proof that I owed them money, and told them if they can not provide this to stop contacting me. Approximately one year later I received a letter from an attorney named XXXX XXXX XXXX  ( also identified as a debt collector ) stating that they were collecting for Velocity. I have no clue who either of them are, and I asked him to also prove to me that we had a relationship, provide me with a contract etc. fast forward to XX/XX/XXXX, a docket was opened in XXXX County Florida ( Case # XXXX ) stating that Velocity Investments was now suing me, meanwhile I have written multiple letters etc prior to this telling them to stop contacting me and to simply prove to me that I have done business with them. Now their attorney or whoever it is has been trying to bully me into paying them when the initial questions I asked were never addressed. Even on the docket, I asked for discovery and they deflect etc. This case has been ongoing since XX/XX/XXXX and we havent gotten to the actual merit of the case their attorneys are trying to defeat me based on court procedure because I am representing myself and I am not an attorney, nor did I feel that I needed one because I did not think this would drag on like this because I do not know these people. I simply asked them to present a contract and proof that I owe them money and up until this point they haven't. We were forced by the judge to a court ordered mediation where they presented some " witness '' XXXX XXXX ( I am not sure if it was really him because he was a black silhouette and went by the name XXXX XXXX ) and they were trying to force me to settle ( although they never proved I owe them money ) which I do not understand how if we never discussed the case at all, so naturally I refused and we are prepping for a trial I guess. I am willing to continue at this point but the deceptive and abusive practices of companies like this must stop. To keep this going is a waste of time and tax payers money, and to attempt to force a person to settle on a debt that they have not proven was owed to them seems to be a common practice unfortunately in the debt collection industry and it appears that now they are leveraging the legal system in attempts to obtain default judgements, especially from what they perceive as low income minorities, which they seem to target exclusively.
Product: Debt collection

Dear Goldman Sachs, I am writing to express my deep dissatisfaction and frustration with your company 's recent violations of consumer laws and codes that are in place to protect individuals from credit card debt when they are unable to work due to medical issues. 

I have been a loyal customer of your company for several years and have always appreciated the benefits and rewards that come with using your credit cards. However, when I was diagnosed with a medical condition that prevented me from working, I was shocked to discover that your company continued to charge exorbitant interest rates on my closed credit card account, despite my inability to make payments. 

I feel that this behavior is in direct violation of consumer protection laws that are in place to prevent individuals from falling into crippling debt due to circumstances beyond their control. It is unacceptable that your company would take advantage of vulnerable customers in this way.
Product: Debt collection

Dear LAUNCH SERVICING LLC Sir/Madam ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

The debtor is currently in the process of short selling her home. During the preliminary Title review, XXXX abstracts of judgments were found by FIA card services. Title contacted Attorney that file the Judgment and was informed that they no longer represent the client and that is now been serviced by Bank of America. We contacted Bank of America requesting a demand to settle this judgment and obtain a release. As a response we received a demand letter for {$6400.00}, however, in that demand there is not sufficient information to verify the following : 1 ) that this debt, in fact, is the ones mentioned on the judgements attached to the property 2 ) that in fact this amount will settle the XXXX judgments attached to the property. 3 ) that upon receipt of payment this company will send to debtor Acknowledgement and Satisfaction of Judgments 4 ) that Bank of America is the representative for FIA Card services. 
Since XX/XX/XXXX2016 we have been attempting to obtain the above clarification. Again and again, we have been informed to fax our request to the Legal Department handling this account. We have done so on multiple occasions. On XXXX I received a voicemail from the legal operations department stating that the demand we received is the only demand they use and that once they obtain payment they will further follow up on my request. As my supporting documents will show I have done everything I can to give this servicer the opportunity to resolve this case. Unfortunately, after over 2 months I need more assistance to resolve this issue. I also requested if they can not provide the information requested to provide me a release of the XXXX judgments in question. Today when I called and spoke to the Collections department 's manager and informed him that I need more assistance and will be forced to seek alternative assistance his reply was " do that ''.
Product: Debt collection

I have received XXXX voicemails from this company. In XXXX calls, they impersonated an attorney and law enforcement and also indicated that I had committed a crime. They said that the person calling me was an " arbitrator '' and that I had been named " a person of interest in an ongoing investigation. '' The caller also stated XXXX times that my " recorded verbal testimony '' was required in order for the investigation to proceed. In XXXX call, I was also told that if I did not respond soon, the investigation would go on without my input. I would also like to state that the caller has never identified for whom they are calling. If they are calling for me, I do not have any accounts in collection.
Product: Consumer Loan

I XXXX and am not able to work at the moment. My payment is XXXX per month. I owed them {$200.00} and tried to give them all I had which was {$140.00} and they refused the payment. They keep threatening me to take my property and file a lawsuit against me. I told them I have doctor notes and paperwork from orthopedic doctor and they said they do n't care that I signed a contract and they want their money. How can they refuse to take what I can give and then threaten me with lawsuits, wage garnishment, and repoing my property???
Product: Money transfer, virtual currency, or money service

I opened this account in XXXX & was receiving money to this account without any associated fees. 

In XXXX I started getting charged fees for incoming money people were sending to me. Initially I thought I may have missed an email or other correspondence stating they were now charging fees. It did not occur to me ask anyone else as I thought this was happening to everyone. 

It wasn't until XXXX that I found out that this wasn't the case. I contacted the company to investigate & see if I could be reimbursed. They told me that I could not be reimbursed but to close that account & start over with another.

I started a new account but did not close the old one. Attached below is a screenshot of the most recent transaction to the account that is charging fees. I have not had any issues with the newer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Confirmation #  XXXX  I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On  XXXX   XXXX ,  2017 , I sent them my dispute letter requesting that they verify all data for the disputed account and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the account, the Fair Credit Reporting A ct Section 611 ( 5 )  ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the account I wrote to them to investigate and verify since  XXXX   XXXX ,  2017 .     I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a unsecured loan with One Main financial. My first payment was due XX/XX/2024 for {$140.00}. I made my first payment almost a month early on XX/XX/ 2024 for {$300.00}. Of that {$300.00} {$230.00} went to interest with {$67.00} going to principal. I called today to inquire why and to verify any overage should be going to the principal. I was informed that my payments will mostly pay on my interest first and once complete more would go to principal. But originally I was told if paid off earlier it would cost less interest. First I don't understand how I can pay off early if every payment is being applied majority to interest first. Second if I paid a month early ( almost double the payment due ) my account should be a month ahead but it's showing behind. It seems very unethical and like predatory lending. That is not what I agreed to or even discussed. I even had the conversation that I would be making over payments or ealyier payments to payoff sooner but that will never happen the way they are applying my payments. After 8 months of payments according to OneMains records I have paid {$250.00} towards my loan. When I have physically paid {$1700.00}. It does not add up or make sense.
Product: Credit card or prepaid card

I got a card from Citi that is advertised as a 0 % interest card on transfer balances. I made one purchase, in addition to the transfer, and they charged interest on it. After that was paid, and all that was left was some of the transfer balance, they charged a minimum interest charge despite the 0 % advertisement. 

When I contacted them, they said that there was a minimum interest charge even on 0 % cards, and that it's not based on the balance. These scumbags need to be put out of business. They're knowingly lying about their rates and trying to XXXX people with small charges that aren't part of their advertising or contracts.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is violating 15 USC 1681c-2 by performing non-federal actions to verify the information a servicer provides against the consumer 's. On XX/XX/2023, Transunion responded through XXXX XXXX, saying, " we update our records with the information the creditor provides ... '' Only the consumer can verify a debt as the original creditor. This debt is not verified. These accounts look deceptive and suspicious. This looks like I'm a risk because of all the names and addresses. I have only one name, phone number, and address where I receive US Mail and correspondence.
Product: Debt collection

Jefferson Capital Systems is reporting to under 3 bureaus and have not verified debt. Original account seemed to be originally taken out while I was a minor, and because of that the collection should be removed. Also the said contract was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX calendar year, I started to look for my first apartment since I just got hired for a new job I started to use Credit Karma to track my credit score and see the information on my credit report. In the next couple of months, the pandemic hit, and everything was shut down. I started receiving emails and notifications stated that I was pre-approved for credit cards and personal loans, but I didn't act on the offers because the pandemic shut everything down. When things started to open back up, I started to go out and apply for apartments but found out that I did not have enough money to cover the cost of payment for first and last month rent and security deposit. Also, I had to cover the cost of moving which included the cost of the rental truck, tolls, gas, and moving equipment. I went to Credit Karma to get a personal loan for XXXX and apply for credit card for XXXX since they said I was preapproved. After the application process I was turned down. This was very disappointing, and I could not get the apartment that I was trying to acquire. This also put hard inquires on my credit score and ended up bringing my score down which brought on more anxiety. After that I stopped using Credit Karma as I did not trust the notifications or the emails. I had to get a personal loan with high interest to get cover cost.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this accounts incorrectly. Those collection are not mine, but also shows a past due balance, there are account, credit cards and a lo more. 

_ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely,