23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

XX/XX/2020 - I attempted charge for item online, but it was declined XX/XX/2020 - I noticed a charge on my new XXXX cycle for the amount of {$1000.00}. I contacted merchant to have it reversed, they declined. 

XX/XX/2020 - I opened a dispute with creditor XX/XX/2020 - I contacted creditor for update, they stated that the dispute was in process and they claimed I would receive a provisional credit, but I never received one. 

XX/XX/2020 - I contacted creditor to inquire about the provisional credit before I made my XXXX statement payment. I was told they would look into it and I was never notified or responded to. 

XX/XX/2020 - After waiting several billing cycles and 90~ days from time of opening the dispute, I contacted the creditor for the resolution. They claimed I withdrew my dispute but offered no proof or any details of that claim. 
They transferred me several times until they said they would pass it along to their manager. 

I never received the item in question from merchant. 
I also never received any sort of credit or reimbursement from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and sent out letters to XXXX, XXXX XXXX Equifax to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS!

I have attached the letters sent, Law 15 USC 1681a ( 2 ) ( a ) ( i ), & Copies of the credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 at approximately XXXX I went to logon to my Equifax credit freeze to unfreeze my credit. It would not recognize my name and/or password, which I used successfully in XXXX. I requested an email. Which I never received. I had to go onto live chat because I could not find phone number on their website. I was told to call an XXXX number, which I did. After going through the authentication process ( which, thank goodness, I passed ) I was told I had no account. I said yes, I do, I have a name and a password to freeze/unfreeze my credit.. They asked me if maybe it was with another credit bureau. I said I did have a freeze account with them and the other two major credit reporting companies. After some back and forth talk and me not conceding to the fact I didn't have any kind of logon info I was told that I had unlocked my credit in XXXX, which I had. So, yes I had a freeze pin number. It was also suppose to be a temporary unfreeze. So I wanted to freeze my credit at this point because I have no faith in this company. That is when she tried to sell me a paid credit monitoring account with Equifax. I just want to freeze my credit. So she said I had to make a new account because the website had been updated. What? At this point I am now doubting myself and everything I have done so far to get to be able to be in control of my account. I hung up. This is ridiculous that these companies have so much power over us and our life fiances. It shouldn't be this difficult to try and keep your life savings secure when you don't even have any say in these companies having your information.
Product: Checking or savings account

I have had an on line savings account with Capital One 360 for several years. For approximately the past 3 years I have been unable to access my account online. Capital One says they're unable to verify my phone number. I have called customer service numerous times so I'm fairly certain that they are able to see my number when I call. Customer service did try to help and even got a supervisor involved who said they would get back to me in a week. This never happened. I have funds in this account that I need access to. The original verification numbers that I gave them when I opened the account are no longer in service. The first number was a landline which I no longer have and the second was my work number where I no longer work. At this point I am uncertain as to the amount of the funds they are holding since I'm unable to access that account. I filed a complaint with the XXXX XXXX XXXX and nothing was resolved.
Product: Checking or savings account

I wanted Wells Fargo to stop to transfers from my checking account to a prepaid card. Wells Fargo said they did not see any pending transfers but still allowed the transfers to go through. I now owe them over {$200.00} plus check fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$6500.00} & XXXX XXXX {$750.00} There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. This was done fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I called all three companies, XXXX, transunion, XXXX and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report.

The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.
Product: Debt collection

I started getting phone calls from Sunrise Credit Services. I was getting 3-4 calls per day. I answered and they were asking for a credit card to pay a debt. I asked them to send a statement so I could figure out who it was. They said they already sent it and I needed to pay. I asked them 4 different days to send a statement and they said they would and never did. A lady called who was very rude. I told her to send a statement and she said they already did and this was going on my credit. I checked my Credit last month and they are reporting it to all 3 bureaus. They did not validate the debt, there is no agreement and they called me over 30 times without my written consent. I am on the Do Not Call list and have been for 12 almost 10 years. 

Again, there was no agreement. They could not produce the Bill of sale, chain of command and would not even send a statement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX  BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card

From the dates of XXXX XXXX XXXX, multiple fraudulent transactions were approved through my Credit card from an UNKNOWN foreign third party. These are obvious fraudulent transactions permitted by the credit card company despite no authorization provided from me in any way. The credit card company is refusing to provide proof that any authorization was given and refusing to refund these transactions. They are refusing to pursue communication with the scamming third party. They have failed to secure my credit and refusing to rectify the situation. The credit card company is CHASE bank. My account was secured with 2 factor authentication and my phone was never stolen or lost. Please help.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I applied for an installment loan I am a resident of North Carolina and the payday loan is in South Carolina. The interest is over 400 % as I found out was illegal in North Carolina. 

XXXX XXXX XXXX is continuing to try to draft out a payment for my XX/XX/XXXX of {$320.00} daily. I have been charged over {$100.00} in nsf fees. I have been in contact with them explained that I am currently not employeed and have a XXXX XXXX so am unable to get employment at this time. Their response was oh well we are going to continue to try to draft it out until it will go through. I would like this resolved immediately due to my checking account continues to be in the negative due to them and my financial institution is stating I must contact them to stop the ach withdrawals. They are not willing to assist me in anyway as well as the interest is 400 % illegal in the state of North Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Debt collection

I am receiving texts from this number about debt collection for a card/account/some type of credit that is not mine. I've received 3-4 of these texts. I think they're texting the wrong cell phone number for the person they're trying to reach. 


The number texting : XXXX Text message : Take control of your XXXX XXXX XXXX XXXX XXXX assignee of XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit portal.halstedfinancial.com/s/TKpFC or call XXXX. This text is from Halstead Financial, a debt collector. Reply stop to opt-out.
Product: Checking or savings account

HSBC ( HSBC BANK USA NA ) closed my online savings account without notifying me of them closing it, in the amount of {$52000.00}. I logged into my account in XX/XX/2021, and by XX/XX/2021 they closed my account without email or call notification. They sent a notification to an old address I had on file, along with sending a 'live ' check to the wrong/old address on file. 

I have been trying to track down my life savings money since XX/XX/XXXX - and HSBC has not yet remedied the situation. They still have my {$52000.00} of cash sitting in their bank and will not release it to me unless I fill out an abandoned account form - that they promised they would send to me on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the form. 

My most recent discussion with them today, XX/XX/XXXX, stated that they turned my funds over to the Illinois State Unclaimed Property. The HSBC records showed this finding on their files on XX/XX/XXXX and despite having conversations with me on XX/XX/XXXX and again XX/XX/XXXX, they did NOT communicate this news to me. I am now left to go search Illinois unclaimed property and have {$52000.00} missing of my life savings. 

HSBC did NOT handle this in an informative way, they bounced me around to many different people, wasted my time because i could have gone to IL state already in XXXX had they notified me of the correct information. And again, they put my account in abandonment when I logged in XXXX but they closed my account in XXXX WITHOUT any notification via email or phone call. This has caused major stress and impacted my ability to use my life savings. And I still don't have my money because I am now trying to track it down from the State of Illinois.
Product: Mortgage

I signed closing documents on XX/XX/2020. During the process, I noted that a payment for homeowners insurance was being withheld as part of my closing costs. Additionally, nowhere in the closing documents did it detail the disbursement that would need to be made to the insurance company. 

As part of the refinance " tasks '' that are a part of the process Better uses, I had previously submitted proof of payment for that cost on XX/XX/2020 ( see attachment XXXX ) and requested that insurance be not included as a closing cost ( see attachment BetterHOItask ). When I contacted Better to try and rectify this, their agent stated that somehow the file I submitted must have been replaced with one that did not show the payment ( even though it does, see attachment XXXX ), and they did not know how it happened. The agent then stated I would have to take up the issue with the insurance company for getting a refund, though as of XX/XX/2020 the insurance company has no record of receiving any payment from Better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of XXXX Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Chase Sapphire XXXX customer service said this account was already flagged and they sent me to the " security department '' for fraud. department. Which was closed after XXXX XXXX XXXX.. .at which customer service then got back on the line and told me to call XXXX tomorrow during normal business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised and I reported the following errors on my credit report to XXXX  for review. 

I did not submit an application or initiate a inquiry and I am requesting that the inquiry be removed. 

XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I previously requested to have the items removed. I was advised the items would be removed and they have not been. 

Please remove the following inquires as I did not inmate an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -credit card was changed off in XXXX of XXXX ; the account was there in the company XXXX filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then XXXX XXXX XXXX and should not be on my file.
Product: Money transfer, virtual currency, or money service

This is a follow-up to complaint XXXX XXXX continues to assert that JPMorgan was the institution that applied a XXXX XXXX XXXX  wire transfer to the wrong account at JPMorgan. {$340000.00} of the {$350000.00} was returned on XXXX XXXX XXXX The remaining {$6700.00} remains outstanding with JPMorgan claiming they can not access the funds ( which again seemed to have been applied to an outside account in error ).
Product: Debt collection

I received the letter on XXXX XXXX 2017 and disputed the debt of {$680.00} with XXXX XXXX XXXX, as I have no knowledge of it. Reference number XXXX.
Product: Credit reporting or other personal consumer reports

I requested information and verification on two accounts that are reporting on my credit report ( XXXX XXXX XXXX XXXX I've requested this information twice because the first was sent with no verification, just saying that the information was verified.