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

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Product: Checking or savings account

They were letting charges go through on my account just to charge me more overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681. 
The following accounts has violated my rights : Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX  XXXX : # XXXX 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 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.

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: Credit reporting, credit repair services, or other personal consumer reports

I have a Inquiry on my XXXX and XXXX XXXX credit report for Capital one Bank on XX/XX/2019 I have NEVER applied for a Capital one card and need this removed. 

I have contacted Capital One to verify that a credit card was not opened under my name and they said there was not a open acct for me.. I asked about this inquiry and getting it removed from these 2 reports, and they said I need to mail them a letter and it could take up to 60 days. It takes 1 day to place this on my report I need it removed.. I am trying to obtain financing and this inquiry is making my report not look good and
Product: Credit reporting

We canceled the time share within the allotted time based on our contract. XXXX XXXX and Equifax both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally refile a complaint regarding serious inaccuracies present in my AMEX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists.

Background : I discovered discrepancies in my AMEX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602,
have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMEX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against HSBC XXXX regarding the delayed release of inherited funds from my late father 's account. I have followed all the necessary legal procedures, and a judge has issued an order to distribute the funds to me. However, despite my lawyer submitting all required documentation to HSBC XXXX, we have not received any updates or progress from the bank, except for a confirmation of receipt. 

The relevant details of the situation are as follows : Bank : HSBC XXXX Legal Proceedings : All necessary legal steps have been taken, and a judge has issued an order to distribute the funds to me as the rightful beneficiary. 
Timeline : It has been almost 8 months since my lawyer submitted the required documentation for the first time to HSBC XXXX, but there has been no action or communication from the bank regarding the release of the funds. 

I am deeply concerned about the prolonged delay in releasing the inherited funds and the lack of communication from HSBC XXXX. I believe this may be a violation of banking regulations or consumer protection laws.

I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter. I seek your assistance in ensuring that HSBC XXXX promptly releases the funds as ordered by the court. Furthermore, I would appreciate any guidance or advice you can provide regarding the legal recourse available to me in this situation. 

I am available for any additional information or clarification you may require. I appreciate your attention to this matter and your efforts in resolving this issue. 

Thank you for your prompt action and assistance. 

Sincerely, XXXX
Product: Mortgage

In XX/XX/XXXX, I refinance my VA backed mortgage with XXXX XXXX XXXX , XXXX A wholly-owned subsidiary of XXXX. When we started the process the sale point was to lower my interest rate. I was told because I have a VA loan and the Safe Harbor Act I could not get an IRRRL. Which I did not understand why because, I was not or had been 30 days within 6 months late on any of my debts to include the mortgage. 

I am a XXXX Veteran, at the time I was under a lot of stress and went along with what I was told. The loan was transferred to 360 Mortgage Access for servicing. Then my nightmares began. My loan started out with a payment of {$1200.00}. In XX/XX/XXXX, 360 conducted n escrow analysis and lowered my payment. However they left out my city and county taxes. Once they caught their mistake, my payment went to {$1600.00}. Because they had to recoup the negative escrow amount from their mistake. When I called to workout a different payment arrangement for the negative escrow amount because it caused me a severe hardship. The customer services reps on more that one occasions told me to short sale my house ( with a giggle ). I did not see the humor nor did I think it was professional for them to have such an unprofessional approach to my issue. I suffered through XX/XX/XXXX paying the extra amount by borrowing from friends and relatives. XXXX would not consider a HARP or any other solution. Either XXXX or 360 Mortgage Access or both have predatory business practices. If I was not a Veteran this would not have happened. Now, the most egregious is the fact 360 stated they would conduct another analysis in XX/XX/XXXX and my XX/XX/XXXX payment amount should be lowered ... AS today the action has not taken place. They are still billing me for the extra escrow amount!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Please delete the following account : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Terms Duration has missing information and BSCF20 Compliance Condition Code : questionable date please delete error. 
I have unauthorized inqiures with companies that I have never apply for any accounts for business or lines of credit with please delete the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE FOLLOWING ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Hello, I was defrauded by someone from XXXX and my bank, chase, has not been able to help me. He stated he was selling tickets for a musical in exchange for {$400.00}. I transferred the money via CHASE XXXX XXXX and within 10 minutes of not hearing anything back, I immediately called Chase to help reverse the transaction. They could n't reverse the transaction and was told they would not be able to mark it as fraud as I had initiated the transaction. I have called the XXXX XXXX PD ( scammer " XXXX 's '' phone number ), XXXX XXXX PD, and I have put in an internet crime complaint in hopes that 1. There will be an investigation into " XXXX 's '' account and closed as he scamming victims. 2. I would like to get my {$400.00} back.
Product: Debt collection

Resurgent Capital Services has sent emails to my XXXX account in the past. I called the phone number and requested more information about the account. They DEMANDED the last four numbers of my social to verify the debt was mine. I request to know who the creditor was so that I could verify if the debt was mine. After relenting to their demand, they quickly told me that the debt was not mine and refused to discuss the matter any further including removing my email from their database. 
Now a year later the emails are being sent to my inbox again. See screenshots included in the complaint.
Product: Debt collection

To whom it may concern, You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 


What is your authorization of law for your collection of information? 


What is your authorization of law for you collection of this alleged debt? 


Please send evidence your authorization to do business or operate in the state of Texas Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit card

I recently read about the issue with the Goldman Sachs Apple Card. Although this dispute is old, I thought I had no recourse, despite XXXX appeals and XXXX rejections from Goldman Sachs. It involved XXXX charges of {$5700.00} and {$2500.00} to Meeg Movers, I disputed both charges, on the advice of my attorney, because my items were not delivered as promised and the mover was not responding to my telephone inquiries. In fact they blocked my number. When the mover finally responded, they demanded payment via XXXX check. My attorney negotiated a delivery payment of {$7900.00}, which I paid via XXXX check. I provided Goldman with a copy of the check on XXXX occasions. In correspondence with the bank, the moving company provided false information to Goldman, claiming they delivered on an earlier date, XX/XX/XXXX, instead of XX/XX/XXXX as the cashiers check clearly indicated. They also provided a document they say was signed by me. I informed Goldman I never saw the document, and the signature was a forgery. Despite all of this Goldman denied my dispute 3 times and sided with the mover- effectively allowing them to be paid twice. 
This complaint is old, because I did not realize I had any recourse. Only when I learned of the fine imposed by this body on Goldman Sachs did I realize I had a place to appeal
Product: Debt collection

I have discovered that R.A. Rogers , Inc. is reporting inaccurate information on my credit report without ever notifying me about the alleged debt, my rights to dispute or pay it, or the potential impact on my credit report. This failure to provide proper notification and accurate information violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( prohibiting deceptive practices ), 1692g ( mandating debt validation ), and the Fair Credit Reporting Act ( FCRA ) section 1681s-2, which requires creditors and debt collectors to furnish accurate information to credit reporting agencies.

Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide consumers with specific information about their debts and their rights. If the debt collection company claims they sent an initial letter, I request proof of this notification sent by certified mail, as required by law. This inaccurate reporting has significantly harmed my credit profile, impacting my financial standing. I expect this serious violation to be rectified immediately to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge of {$51000.00} appeared on my credit reports after a dispute with XXXX ( on behalf of XXXX XXXX XXXX. This account does not belong to me. 

I was shocked to see this report, after XXXX XXXX XXXX agreed during our numerous phone conversations that this is a case of mistaken identity. I have never utilized any form of air transportation. They confirmed that my social security number, date of birth and address did not match the client you were searching for. I assume all of the personal information i gave was used to trash my credit. 

Also please note that the date of service on attached bill below XX/XX/2016 was before I even resided at this address. In order to steal my identity, someone would have known where I was moving before I did. This is NOT identity fraud. It is fraudulent use of my information by XXXX. 

In attached, please note that my last name does not match their clients. 

They acknowledged that I was not their client. But then shortly thereafter, my credit score dropped from high 800s to XXXX. 

Since these mistaken charges have been placed on my credit report, I have suffered tremendous financial loss. 

I have sent certified mail dispute letters to each credit bureau, XXXX and XXXX XXXX XXXX. XXXX responded with mail assuring me that this is actually me. 

This is not my account and I would like this false information removed from my credit reports. 

Thank you.
Product: Debt collection

They didnt text me directly, they texted a family member and I dont know how they even obtain their number but they texted them this in exact words We are looking for location information for XXXX XXXX XXXX Please call us at XXXX today to speak with a live representative. 

And my family member texted me concerned because it sounds urgent as if something is wrong. I dont know how or why theyre contacting family members or how theyre contacting them.
Product: Debt collection

This debt is claimed to be owed XXXX XXXX, XXXX XXXX XXXX, according to XXXX XXXX for which I am an employee of, the debt as been satisfied. When I contacted the debt collector I was told that I owed {$6.00}, when I tried o report to them that the debt was completely satisfied they ignored me and has continued to ssend notices and make phone calls.
Product: Credit card or prepaid card

I have had my XXXX card awhile and did not have any complaints until someone made a fraudulent charge on my card on XX/XX/2021 at the time of XXXX EST, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC in the amount of {$640.00}. After realizing the transaction had been made on my statement, I contacted XXXX XXXX fraud department and explained that I did not make the charge. They followed up and said that the charge was made in person using my card. My card was never out of my possession and the charge was made in a pawn shop in a location that I have never been close to, much less inside of the store. They ran an investigation and replied that I would have to prove that I did not make the charge. So under my own expense and time, I was able to show a bank 's video of me and a copy of the transaction I was completing taking place, one hour and 23 minutes before the supposed transaction in the pawn shop took place, which was four hours away, by car, from the bank in XXXX, NC. I supplied all of this information to the fraud department, including pictures and timeframe stamps from the bank, only to receive a letter yesterday stating that my fraud claim has been denied and that I am still responsible for the fraudulent charge, including late fees and charges. I wonder what their process was to determine how the pawn shop was able to use my card that was in my possession.
Product: Credit card

Someone opened a PayPal account with my email address or accessed my account and then changed the email address and opened a PayPal credit account. I called XXXX XXXX who handles PayPal XXXX and they confirmed that an account was opened. I informed them that I had not opened the account and to please close the account as I suspected fraud. They closed the account but informed me that my PayPal information had been compromised. I closed my PayPal account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 an 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 XXXX years. 

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 inaccurately. 

XXXX XXXX XXXX in accurate