23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX - Several ACH transactions over a 2 weeks period took a significant amount of money ( XXXX ) over multiple transactions from my HSBC savings account. Although account is relatively dormant ( I keep this money aside ), zero alert ( s ) were tripped on the bank side to contact me about these what should have been " odd '' transactions XX/XX/XXXX - During a routine review of my bank statements I discovered these unknown transactions, and proceeded to contact the bank. An ACH fraud claim was filed at the time to get my money back. 

Since XXXX XXXX - Called HSBC numerous times ( > 20 times ), spoke to various people at HSBC including customer services rep, ACH department, fraud department, relationship managers, etc. and spent over 40 hours on calls. In summary they kept saying that their ACH  department has been trying to reach out to the counterparty to retrieve the money back but it has been non-responsive, or that they will try again, or that I should reach out. They provided recently in XX/XX/XXXX a phone number from the counterparty that they said I should call, however that is not even a valid or reachable number, the transaction trace is associated with a company with a company ID of " XXXX '' - which looks obviously like a fake company number. As of XX/XX/XXXX, HSBC still has not retrieved or returned my money to my bank account.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation.Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER late and send a copy of my updated credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX account number XXXX has violated my rights. 

15. USC 1681 Section 602 states I have the right to privacy.

15 USC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not. furnish a account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # Bankruptcy XXXX Bankruptcy 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I had missed one ( 1 ) payment in 35 years of home ownership- that being one payment XX/XX/XXXX- NONE XX/XX/XXXX during application.. in XX/XX/XXXX I missed another as a result of their foot dragging. 
XX/XX/XXXX- begin HAMP application/s with XXXX XXXX, while applying, loan sold to Nation Star, now XX/XX/XXXX- had to start over. 
continued application process for nearly two ( 2 ) years- docs after docs after docs. HUD rep involvement/class XX/XX/XXXX, by XX/XX/XXXX- informed I was denied HAMP- apparently they sold the note in XX/XX/XXXX to XXXX prior to disclosure/ HAMP denial. I never received denial of all programs then available- never provided opportunity to appeal nor was a 'Tier 2 ' visited by said servicer- they simply sold the note in the middle of my application. In addition, I was informed in writing at least once of ineligibility as the loan was not XXXX- when in fact it was along with countless other tactics to stall. 
Also-the denial I DID receive said simply- " Borrower does not occupy residence '' ( never lived ANYWHERE else in 20+ years. 
Promptly informed XXXX was not 'obligated nor willing to offer a reduced mortgage or HAMP ''. 
XX/XX/XXXX- HomeSettlement sells loan to XXXX XXXX ( representing XXXX XXXX ) now having missed two payments XX/XX/XXXX XX/XX/XXXX and XXXX accepted {$1500.00} each month in XX/XX/XXXX & XX/XX/XXXX-I was informed XX/XX/XXXX that XXXX had become the servicer- purchasing with knowledge of the two short payments. 
Received notice of denial on XXXX/XXXX/XXXX, four ( 4 ) days after the date of the letter of denial via XXXX. 
So now here we are with an explanation of denial as except denial for ALL programs except 'Short Sale'This will not happen and I apprised them as outlined on their denial form, by telephone XXXX XXXX XXXX/XXXX/XXXX. 

One of the programs denied- requires unemployment.. now that I have returned to work- albeit sporadically this program is not applicable- though when I was unemployed and applying to Nation Star- I was never told this was a requisite- but now, as my life is improving a bit, this IS a requisite! 
I have been able to demonstrate XXXX/month religiously for several years and they describe the income as " not acceptable/ insufficient '' for most, if not all available programs. 
The documented behavior of Nation Star is an egregious/blatant misrepresentation of a Loan Servicer. 
not only did the OSHI ( an Oregon program ) fail me- providing ALL necessary documentation, they too misrepresented the program as ... " I own other residential real estate '' this is a blatant lie. 
The egregious misrepresentation of these programs is an obomination of power- contributing to the American Economy for forty ( 40 ) years- banks bailed out, monies provided to help- THESE PROGRAMS ARE A RUSE. 
OAR 137-020-0805 ( Oregon Servicing Rules ) Secretary of StateUnfair and Deceptive Acts in Mortgage/Loan Servicing has been perpetrated upon me at the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/18 an inquiry showed up on my credit reports from GM Financial that does not belong to me. I have never applied to any place by this name. I never heard of them. I did not authroize anyone from here to pull my credit. This is NOT mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

WHERE DO I START. 

Back around XXXX of 2022 they switched loan servicers for my student loans. I was originally with Fed Loans then switched to XXXX. The switch happened earlier that expected as I was planning on making my last payment on my student loans before XXXX hit. However by the time I logged in to do so, they had already turned off the ability to make a payment. Keep in mind this payment was my last payment of {$1800.00}. I tried to figure out who my new servicer was & continued to get the ring around until I finally got a letter in the mail on XX/XX/2022 that informed my my balance was {$3600.00}. I immediately went into freak out mode and started calling around to get this solved. XXXX told me I would have to contact Fed Loans so I did. Everytime I called FedLoans I would continue to get hang up on. ( to this day I am not sure why ) I calledevery day until someone claimed that I would have to call XXXX & prove it with the payment history. XXXX informed me they would send me a copy of my payment history in which they did. I compared it to all of my bank statements and proved where they went wrong. The manager I proved it to, stated that he too agreed with what went wrong and pointed out that the new balance was exactly doubled what I claimed my last payment was. I also showed him my payment history & explained that I was having a really hard time talking to anyone at Fed Loan. He assured me that he would take it up the ladder and have his assistant call me to provide me with an update every so often. He held true to this and his assistant called me a few times throughout XXXX. The last update I had from the assistant was XX/XX/2022 stating that they have reached out to Fed Loans to get an updated payment history that shows the correct payments posted. Since then, I have reached out to both companies and nobody has responded to me. I did just get another bill from XXXX stating my payments are resuming in XXXX with the XXXX being the balance. I have done everything in my power to fix this situation and I am beyond frustrated by it. I feel that they are taking full advantage of their power and using it against me as there are a bunch of penalties involved. If anyone could help me at this point, its you guys. 

Thank you for taking the time to read this!
Product: Credit reporting or other personal consumer reports

Legal Department, This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : ( Collection account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with Wells Fargo. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, XXXX and XXXX to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around 795 to around 650 on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around 795. This is now a huge problem because my husband and I are trying to buy a house and his score is around 800. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. Wells Fargo has been no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have reported wrong balance to my account XXXX XXXX - XXXX
Product: Credit card

The new response from Citizens bank is another intentional harassment. Request to e-mail a copy of my driving license is impossible because we do not have scanning service in our residence. Telephone conversation on important subjects I avoid because of hearing problems at my XXXX XXXX  of age, problem well known to the previous communicator from the bank!
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

-The only address that should be listed on my credit report is the address provided on my Drivers License XXXX XXXX XXXX XXXX Any other addresses should be removed. 
-Account name DEPT OF EDXXXX XXXX Balance {$19000.00} -Account name DEPT OF EDXXXX XXXX Balance {$79000.00} -Account name DEPT OF ED/AIDVANTAGE XXXX Balance {$8200.00} *I graduated college in XXXX and I never attended these schools which loans started in XXXX. I've been battling this for years with no results. 
-Account name XXXX XXXX XXXX Balance {$99.00} Credit limit {$1400.00} -Account name XXXX XXXX Status Account charged off. {$15000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
-Account name XXXX XXXX XXXX XXXX. {$400.00} written off. 
-Account name XXXX XXXX XXXX XXXX  Account charged off. {$15000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
-Account name XXXX XXXX XXXX Status Collection account. 
-Account name XXXX XXXX XXXX XXXX  Collection account. {$450.00} -Account name XXXX XXXX XXXX XXXX Balance {$810.00} XXXX remove highlighted unrecognized inquiries including XXXX, XXXX, and XXXX Main. 
Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report. The fraudulent items are highlighted. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and XXXX XXXX CT XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX Ido not have any association with these addresses they need to be deleted/remove from my file.
Product: Credit card

Citi Bank Credit card ending in 1947 This is my new card.. fraud Costco anywhere card XXXX XXXX department called me I said this was not me.. now they say they are investigating this.. i gave them all the information but this amount is still on my card.. 

{$5200.00} - fraud went to XXXX XXXX XXXX XXXX I called it seems it is a property management company which I am not a part of XXXX can't get a hold of them by phone or they have no address XXXX live in XXXX XXXX this was from NC or SC Please help me recover my funds, ... this is crazy
Product: Debt collection

The calls from XXXX XXXX XXXX have come regularly since XX/XX/2023. Each time they call I aske them to send me the XXXX XXXX and/or any documentation about the debt they said I owe. I've never received any information. On Tuesday, XX/XX/2023 I decided to call Reliant Capital Solution myself and see if I could obtain any information. The following things took place : XXXX. ) I verified who I was with my PII. ( XXXX XXXX XXXX ) XXXX. ) Once I that was completed the gentleman asked why I was calling. I let he know I wanted more information and documentation about my debt. 
XXXX. ) He then asked me did I see the debt on XXXX XXXX. I said yes. He told me that they are not always accurate with their information. 
XXXX. ) He then said well I pull up the credit bureau reports so we can verify the debt. 
XXXX. ) He then asked me for my credit card information, so they can charge me {$1.00} to get the reports. 
XXXX. ) I asked him why do you need my credit card information. He told me this way we can verify your debt and try to save you some money. 
XXXX. ) I then told asked him, if XXXX XXXX XXXX has bought my debt why can't you tell me what I owe? He can't going on about how he was trying to save me money and never provided any information. 

I felt like he was trying to get my Credit Card information to charge my card for the whole debt without my consent.
Product: Credit card or prepaid card

Good afternoon, I am enclosing the letter sent to me from Citibank as well as the letter i USPS mailed them due to a conversation i had. The complaint that i am submitting is based on the email i received today stating they " were unable to reach me when they called me ''. Upon speaking to a manager today, XXXX, an account manager, in a Florida call center, she said the email means they didn't call you and they will not call you. If you want the credit line again, i can submit to an application where a hard credit pull will be done to lower my XXXX XXXX even more. 
I am absolutely disgusted with the way they treated me and lied to me and i want assistance on this matter.