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

I first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, XXXX, XXXX, and Transunion after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being, Citizen of the United States. I found numerous errors in my credit report. I have rights under 15 USC 1681 XXXX, XXXX, and Experian is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts in this report be removed, according to 15 USC 1681 I have rights to privacy and I did not give XXXX, Experian, and XXXX written permission to furnish these accounts they placed on my credit report. I repeat, I never opened these accounts, nor did I sign anything, or documents. I never have spoken to anyone in reference to these accounts. No email, nor phone call. I repeat these accounts are fraudulent.
Product: Credit card

I sent my online payment from my bank XXXX/XXXX/2016 to my USBank Business Credit Card. The payment was due on XXXX/XXXX/2016 - a Sunday. USBank says they received the payment on XXXX/XXXX/2016. They card is continuously paid off each month so there should be no interest. They charged me {$39.00} late payment fee and $ XXXX interest. The payment should not have taken two weeks to get there. This is the second time they have said it was late when it was mailed in at least two weeks prior, just a couple of days after the bill is received.
Product: Credit card or prepaid card

XXXX XXXX Credit Dept. in XXXX, OH canceled my thirty year old account upon my husband 's death without notifying me. Simply stopped accepting my card when I placed an order with no prior notification. When I submitted the information they required to apply for a new card in my name, such as social security card, date of his death etc., they still have not issued a new card. Further, they denied credit card also to my XXXX daughter, XXXX XXXX XXXX who lives in XXXX, Or. and lives on social security and XXXX income from a trust fund.
Product: Checking or savings account

On XX/XX/XXXX, I opened two accounts with HSBC in person - savings and checking. The month prior I had received a promotional card by mail stating that I was eligible to receive an {$800.00} cash bonus by depositing {$100000.00} in the combined accounts and maintaining it for 90 days. I redeemed this card with the branch relationship manager and believe it was valid/unexpired, bonafide, and targeted at me. 

On XX/XX/XXXX, I transferred {$220000.00} into these accounts and today still maintain a balance of over {$170000.00}. At no point did the balance drop below the {$100000.00} threshold ( see attached ). 

In XX/XX/XXXX I noticed that the {$800.00} bonus had not been credited. On XX/XX/XXXX and XX/XX/XXXX, I had a series of correspondences with HSBC via their BankMail platform ( see attached correspondences ) to inquire why the {$800.00} had not yet been credited per the terms of the offer. HSBC stated that after maintaining the $ 100k+ balance for 90 days, I had to wait an additional 8 weeks for the promotional credit to arrive in my account. As of XXXX XXXX, 172 days had elapsed since the deposit was made ( 90 days plus 11 weeks ). 

On XX/XX/XXXX, I had followed up again with HSBC via BankMail ( see attached ). I was then informed that my " account is not eligible for the welcome bonus offer as the application form was rejected either valid personalized code or invalid account number submitted. '' Please note that I personally did not fill out any application form to redeem the offer ; I simply handed the offer card to the relationship manager, who then processed it. On XXXX XXXX XXXXXX/XX/XXXX, I emailed the relationship manager ( who initially said he would look into it ), and I subsequently followed up several times ( see attached ), but did not hear any response back. 

At no point prior was I informed of any issue or asked to correct any incorrect documentation, which was processed by the branch relationship manager.
Product: Credit reporting or other personal consumer reports

I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.
Product: Credit reporting

I have made Equifax aware that my Identity was Stolen. I have also gave them my Drivers license and Social so they could verify my information since i put on a fraud alert. Over a year ago in 2015 I had disputed student loans that are on my account. The Creditors verified that they had improperly put student loans on my account and agreed to remove them since the account did n't belong to me. The Creditor sold the account to another party after they made Equifax aware that they did in fact damaged my credit with reporting improper information. This creditor still however was allowed to have this account reported on my credit report. It 's really affecting my life. Being a mother of XXXX the last thing I want is someone else to be able to damage my credit. I 've been XXXX because of this. This creditor has XXXX different accounts on my credit report. Equifax has allowed this company to fraudulently keep reporting incorrect information on my credit report. It 's damaging me. They are aware that I am homeless and trying to purchase a home for my kids. I ca n't do that with someone else robbing my family of that. I need Equifax to take this matter serious. How can they know that XXXX student loan was fraud which the company told them that and allow them to keep reporting incorrect information on my credit report. All of any information that was related to that account should 've been removed. By law they ca n't legally keep reporting fraudulent information on my credit report.
Product: Credit card or prepaid card

Credit card applied for through my bank, application was denied. I did not apply for a credit card.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Prepaid card

I have a claim for XXXX because the merchandise I bought was counterfeit and I DID not receive my item the Merchant I bought it from sends pictures before they send out the item when they did that I took the pictures they provided and got the shoes legit checked by a certified address and I got a to prove that it was a real certificate. I contacted chase and they told me to do this so I did but i am still losing the case I provided everything they asked for.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX sent a letter stating that they could not verify our homeowners/hazard insurance policy, alleging that the previous XXXX policy was cancelled XX/XX/XXXX. If we could not provide proof of insurance they would be purchasing insurance for us. After some investigation we learned that XXXX XXXX was provided an incorrect mailing address for XXXX XXXX in XX/XX/XXXX. XXXX transmitted their policy renewal XX/XX/XXXX to the incorrect address. On XX/XX/XXXX after no payment was received the policy was terminated by XXXX. That XX/XX/XXXX letter was the first notification I received that indicated anything about a policy lapse or termination, a full year after the fact. XXXX XXXX stated that their office contacted our insurance agent 's office on XX/XX/XXXX to inquire about the status of the policy payment, and were told that the policy had been paid in full. Our agent 's office was mistaken. The policy had not been paid. XXXX XXXX never requested a copy of the Declaration page in order to verify the policy was current and paid. A year later, XXXX can not reinstate the previous policy due to the lapse. I have since secured homeowners/hazard insurance through another agency, however, we are unable to provide any proof of an existing policy for the time from XX/XX/XXXX until XX/XX/XXXX. I have received a Second and Final notice from XXXX XXXX dated XX/XX/XXXX again requesting we provide proof of a policy or they will be purchasing insurance for us in an estimated amount of {$1900.00}. We have requested that XXXX XXXX waive the requirement for us to carry homeowners/hazard insurance during that time due to their failure to verify the policy in XX/XX/XXXX and their failure to update mailing information. Our loan requires an escrow account, and it is my belief that XXXX XXXX 's policy and procedure for verifying insurance information is severely lacking in due diligence. They should not be purchasing insurance on my behalf for the lapsed time, as it was not brought to my attention until a year after the fact. That time has passed. No claims were made.
Product: Debt collection

I have XXXX companies trying to collect debt that's not valid, and are hurting my credit. These companies are,, lvnv funding,, XXXX XXXX,, XXXX XXXX,, XXXXXXXX XXXX XXXX... I have already been sued from lvnv funding and having my paycheck garnished without my permission..
Product: Credit reporting, credit repair services, or other personal consumer reports

They didn't listen what I said to them went I talked to them on the telephone i told Equifax that they need to fixes both of of The back ground record and credit bureaus reports to didn't listen what I said to them on the telephone calls so I try to fixes my credit bureaus reports lots of times on the telephone call for a Yearly & or more or so And I try to solves All My problems with My credit bureau reports about ever things on my bad credit card account off My bureau reports & My back ground record and XXXX XXXX and XXXX XXXX credit bureau reports And XXXX XXXX credit bureau reports & XXXX XXXX back ground record to & I won't Equifax to fixes both of us credit bureaus reports XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record to be fixed for back ground record and my credit bureaus reports to
Product: Mortgage

Crummy SETERUS mortgage servicer non-responsive to my inquiry into the h.a.m.p. incentive payment of {$5000.00} dollars. It has been over 5 weeks ( XX/XX/XXXX ) since they made the claim that it would be processed and paid out in a few weeks. The representative XXXX XXXX in her letter stated that if I have any questions to contact her directly. Have yet to get any response from her have left XXXX messages. This is the typical XXXX this XXXX company uses to delay and obscure their responsibility to address customer concerns. AS of XX/XX/XXXX I have yet to receive the funds or followup reply in this matter. Apparently they prefer to LIE and DELAY this payout in order to profit from the interest they gather from the {$5000.00} dollars. Never have I dealt with such a DISHONEST and LYING company in my XXXX years. They had the nerve to state " We strive to provide excellent service at all times and regret that we fell short in this instance. '' XXXX They failed at proper customer service XXXX % of the time since XX/XX/XXXX. AS if it was only once. What a XXXX lie. How is it this company is not fined for their deception and lies?
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.
Product: Debt collection

In XX/XX/XXXXa valid debt was charged off from XXXX XXXX XXXXXXXX/Paypal XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XX/XX/XXXX. I received a settlement letter on XX/XX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. When I called XXXX on XX/XX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call XXXX XXXX XXXX XXXX ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to XXXX on XX/XX/XXXX and explained the situation. They told me to call XXXX XXXX XXXX ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX XXXXXXXX, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or XXXX handling this account and that I should work through XXXX hold ( XXXX ), a company I 've never received anything from. 

I have called XXXX hold and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX , XXXX, XXXX, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid two years ago and I 'm being scammed in an endless loop of calling other scammy businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a XXXX XXXX  which claimed to be a lender. However there was no investigation open by XXXX XXXX  and they left the things as it is.
Product: Money transfer, virtual currency, or money service

I send money through money gram to XXXX the money was never received by the recipient and he contacted the customer service in XXXX they told him they dont have that transaction, I contact money gram they told me is going to take 90 days to investigate is more than 90 days I call them they told they is nothing they can do Date XX/XX/XXXX Time XXXX Ref:XXXX Amount {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report is falsely reporting utilization that is my experience with a line of credit that was extended between me the consumer and the Company that is making the report to a non-affiliated party. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on a consumer report. You have violated FCRA 15 U.S. Code 1681 ( a ) ( 2 ) ( A ), by reporting the transaction or in this case its an experience because we are talking about the utilization on my consumer report which congress clearly states are not included on any consumer report, you have 10 calendar days to update my utilization to 10 % or below or delete all utilization from the accounts listed below. Failure to respond satisfactorily with the task on hand will result in legal action. I will also file a commercial lien with U.S Treasury XXXX IRS for collections and restitution for violating my rights and deformation of character. Your company willful noncompliance under 15 U.S. Code 1681n and criminal liability under 15 U.S. Code 1611 is not what Congress intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect, as I have attempeted multiple times to have this update like my name and I only have one address, as I several incorrect addresses are wrong.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY AND UNDER 15 USC 1681XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX  ACCOUNT XXXX XXXX, XXXX XXXX ACCOUNT XXXX XXXX, AND XXXX XXXX XXXX XXXX  ACCOUNT # 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 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 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I HAVE SENT FTC REPORTS, AND ALL TO EXPERIAN EXPLAINING TO THEM THAT THEY ARE REPORTING FRAUDULENT INQUIRES ON MY CREDIT PROFILE. TODAY XX/XX/2023, I CHECKED MY EXPERIAN PROFILE AND STILL SEE FRAUDULENT INQUIRES. I TRIED TO APPLY FOR HOUSING AND WAS DENIED BECAUSE OF THESE FRADULENT INQUIRES, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 - XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 - I HAVE NO ACCOUNTS WITH ANY OF THESE COMPANIES - I ALSO HAVE BEEN DENIED FROM OTHER CREDIT CARD PROVIDERS BECAUSE OF THESE FRADULENT INQUIRES.
Product: Debt collection

I do not believe the report that Springs Oak Capital LLC has put on my credit report is valid. It is listed as an open balance. I do not have any debt with Spring Oaks Capital LLC.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX 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 or other personal consumer reports

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Checking or savings account

This last two weeks with Bank of America has been the worse. They dont value nor protect their customers identity or information. My wallet was stolen on XX/XX/2022, and BOA was made aware of the situation in person and over the phone on XX/XX/2022. I spoke with a representative in the fraud department who advised me that they would make sure that my account had added protection due to the fraud. Well fast forward a week later I received 4 emails one stating that my account was pending, account approved, verify your email, and welcome to online mobile banking. Well because I have not opened up any other account with this bank I immediately called to expressed my concern that I had not opened up an account. They transferred me to the fraud department who decided to search further based off of my social security number and seen that the account was opened with an address in another state. The issue here is how did their system allow someone to open a bank account in my name using my social. Another issue how is it I requested to dispute international fees that Im being charged incorrectly and being advised that I have to follow up with the third party. Thats not my job and no one has the right to tell me that I cant file a claim. Not to mention within all of this I go to one of their atms and my money gets stuff and Im waiting at the XXXX  for over an hour for someone to resolve the issue. This bank is horrible and I can see why they have so many lawsuits. I want all of those international fees refunded immediately, a call apologizing for allowing some to open an account in my name, and acknowledgement that they dropped the ball.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX. 

Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :