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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$530.00} Charged Off XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX  XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1100.00} Charged Off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$160.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$190.00} Charged Off XXXX XXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$630.00} Charged Off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$460.00} Charged Off XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$860.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$850.00} Collection XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$810.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$740.00} Collection XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$690.00} Late/Open
Product: Debt collection

Mediation Recovery Center Inc. called me on XXXX/XXXX/XXXX  and told me they were collecting a debt in the amount of {$3100.00}. They told be I had to pay or have a mark on my credit report. I was surprised because this was the first time hearing of this.They offered me a discounted rate and rushed me to pay it. No documents were signed or formally used. They told me the debt they are collecting on is for a XXXX  5 years ago from a company that supposedly no longer exists. I had made at least 5 attempts through email and phone call to contact the supervisor but he will not return my calls or emails.
Product: Credit reporting or other personal consumer reports

XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX Attorney Generals Office Cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/24 RE XXXX XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX- {$18000.00} under account # XXXX XXXX 
This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 
Therefore, I am now formally disputing directly with you. 

Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX, I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank You, XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX I have my XXXX XXXX I paid them ( XXXX ) XXXX XXXX XXXX XXXX  account XXXX XXXX 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 stays consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15u.s.c 1681s-2 ( a ) ( 1 ) 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: Credit reporting or other personal consumer reports

XXXX I have contacted the XXXX multiple times about my check for {$1100.00}. I never received the check. I called in and emailed multiple times w/o success of the location of the check except it is in process. Because I never received an initial check and they re-issued another check as I was informed over the phone today, I am very concerned because if they mailed an initial check, where is it? Because I was informed they have my correct address and contact information, where is the check and who was it really sent to? I was told to give it time w/o a time frame quoted! When will I receive the check from CFPB-TEMPOE-REDRESS and how can I be sure they will send the check to the right address this time??
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXXXXXX XXXX Balance : {$0.00} ; 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, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$37000.00} XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX BANK XXXX XXXX XXXX BANK XXXX Balance {$1500.00}
Product: Credit card or prepaid card

This complaint is directed against TRUIST Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a resident of XXXX XXXX, VA XXXX and deal with the TRUIST Branch in XXXX XXXX, VA. 
On XX/XX/2022 TRUIST Credit Card XXXX over charged my Credit Card {$10000.00} after paying off in full the balance of the card, subsequently causing an overdraft in my TRUIST Checking account in the amount of {$1700.00} for which TRUIST charged an overdraft fee of {$36.00} On XX/XX/2022, after discovering the abuse of the above charges ( XXXX diffrent amounts on the same day, hence a proof that it was not a technical duplication as the agent claimed ), the agent on the phone removed the {$36.00} overdraft fee from my checking account. However, my checking account remained in a negative balance since the Credit Card agents refused to immediately refund the above over payment until for at least a week. THIS IS A BLATANT ABUSE. 
Meanwhile I had to get an advance from another account to cover the overdraft in my checking account therefore paying interest for the advance. 
CONCLUSION : TRUIST XXXX XXXX is holding {$10000.00} of my money while I have to get a credit advance with interest to cover the overdraft caused by TRUIST malpractice. Furthermore the overdraft will affect my XXXX XXXX. 
NOTE : my experience with this bank, formerly SUNTRUST, has an unusual policy of holding consumers fund longer than other banks. Example : in XX/XX/2022, I presented a check in the amount of over XXXX and TRUIST required XXXX weeks to clear it. The same check was deposited in another bank, it was cleared the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 1 late payment with XXXX XXXX Bank XXXX years ago. My credit score is now a XXXX+. I have not had a late payment since with any institution and my credit score has done nothing but go up since this incident. They WILL NOT remove this derogatory mark on my credit score. This is the only thing holding me back from having perfect credit! I haven done nothing but prove to them that I have been in good credit standing with all institutions, yet they REFUSE to make a change on this. 

I worked with a company ( XXXX XXXX ) and paid them thousands of dollars to have this removed. Yet the company did a lot of good work for me, they were unsuccessful at accomplishing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote in  XXXX  with specific issues I wanted the credit bureaus to investigate. They never investigated. Never responded at all. None of them!
Product: Debt collection

Now that the CFPB will actually be doing the job it was charged to do when President XXXX takes over from the failed XXXX experiment, I am hopeful that this complaint will actually be addressed under the Fair Debt Collection Act and the Fair Credit Reporting Act. I filed an identity theft report with the Federal Trade Commission and refiled in XX/XX/XXXX. I properly notified the creditor and supplied them with letters provided to me by the FTC. I also asked for CFPB to assist but as has been the case throughout the XXXX era there was no action on my complaint. 
I am asking you now to require the Prosper to show signed papers indicating that I applied for and incurred the debt. Electronic documents are not allowed because I placed a notice on my credit report and it was in effect at the time that this loan was allegedly made. Further the bank account information they provided for XXXX XXXX was also involved in an earlier identity theft that was discovered in XX/XX/XXXX and reported to the FTC and CFPB at that time. 
This is not only a violation of the FCRA and the FDCA but also constitutes defamation.
Product: Debt collection

XXXX XXXX / XXXX / {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Debt collection

NATIONWIDE RECOVERY SV will not respond to my mail but somehow continues to verify 11 Collection accounts with XXXX  and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with NATIONWIDE RECOVERY SV. I have disputed directly with them and XXXX  and XXXX. XXXX  and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$1100.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$290.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX XXXX XXXX
Product: Checking or savings account

Since XX/XX/XXXX when I reported to HSBC that my account had been attacked by fraudulent activities, HSBC suspended and blocked my account, I could not access my HSBC saving, checking, credit and business accounts at all. But for next several months hacker ( maybe HSBC insiders ) did multiple illegal transactions from my account, also took cash advance from my HSBC credit card to my check then transfer out to unknown banks. HSBC did not recover from fraud, they simply did provisional and paid credit card plus interest. Then they took money from my account to return provisional. 

I filed complaint through CFPB 3 times. The last one was XX/XX/XXXX, ( case number is XXXX-XXXX ). Every time HSBC told government official they solved the problem, then CFPB closed my case. 

For more than half year, I have never received any direct contact from HSBC. I called and went to branches many times, they just do not help me at all. On XX/XX/XXXX HSBC XXXX branch manager hind from me for 5 hours, then called police to ask me leave, because they were closing. HSBC VP of customer relationship Ms. XXXX XXXX sent a letter to New York DFS. I received a copy from NY DFS, in the letter she even messed up my account number. She said, The remaining balance in your checking account ending in XXXX is {$1000.00} but in her attached the banking statements for DFS is ACCOUNT NUMBER XXXX. Obviously, she was lying to government officials, and NY DFS closed my case as you did. 

So far I have not recovered all my loss. 

In XX/XX/XXXX, I could not access my business account, I went HSBC XXXX XXXX branch. When the manager XXXX XXXX XXXX knew I had been abroad as XXXX XXXX he suggested me to open a premier account with credit account. He had all my personal information, then he left HSBC in XX/XX/XXXX without passing my document to new manager. So in XX/XX/XXXX, HSBC asked me to fill all the forms again. And assigned a new manager XXXX XXXX for me. Not long, XXXX left HSBC with all my personal information again. That premier account and credit account were the trouble accounts.
Product: Credit card or prepaid card

A year ago I had a problem with a phone that was stolen from my porch when XXXX delivered it. XXXX paid HSN for the phone, and HSN too it off my bill. I also had a service plan with HSN. They returned the service plan, too. My bill got down to {$780.00}. The next month it was {$1000.00} and they lowered my available credit and took back an increase they had given me. I have not been able to purchase anything from them in about a year and my account has not gone down. I have never missed a payment. Well, one month I forgot to pay and doubled up the next month. My bill is still the same as it was a year ago, in fact it is higher. As of now, I am locked out of my HSN account. I believe to stop me from gathering the information I need to make this complaint. They are trying to get me to pay for a phone that I do not have!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX # is XXXX XXXX Car from XXXX XXXX XXXX XXXX XXXX in MD on XXXX XXXX. 
I paid {$58000.00} with {$10000.00} down and a 6 year financed thru Bank of America, Acct is # XXXX. 
My monthly payments are {$870.00}. 
XXXX, XXXX, I took the car in to XXXX of XXXX XXXX for service base on notification lights on dashboard. 
The service advisor informed me that I had some electrical issues which will cause over {$11000.00} in repairs. I contacted XXXX XXXX office to inform them of the matter and some financial assistance. 
I was offered {$1100.00} towards repairs with XXXX options other XXXX option is {$5500.00} on new car over {$75000.00} and the XXXX option is {$3000.00} on used car over {$75000.00}. All XXXX Option no good. Ive spoken to a salesman at XXXX XXXX XXXX XXXX spring on trading. 
He mentioned that the car is only worth value {$7000.00}. Granted, I owe over {$38000.00} on the balance. 
I was denied because of over {$30000.00} in negative equity. 
I wanted to know we can ask Bank of America for a forgiveness. The was left at the dealership. 

Thanks