23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS?? 

On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX we mailed a Lien Release Request to HSBC. See attached copy of Lien Release Request Cover Sheet. Also see attached Confirmation of Receipt from the US Postal Service showing delivery on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we were told that this file was being handled by the New York Lien Release Team and given their direct email address to email the docs that we had mailed previously. See attached copy of our email dated XXXX/XXXX/XXXX, the emailed attachments ( current Title Report, Recorded Assignment to HSBC Bank, a fax from HSBC Bank dated XXXX/XXXX/XXXX, and Authorization to speak with our company ), and the response from the Lien Release department indicating receipt of our email. 

We have been calling multiple times per week since then. The reps can not tell us anything except it has not been sent to the county to be recorded. We have requested a response from the lien release team multiple times since this started. No one has ever once returned our phone calls. 

Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS - See attached Cancellation of Debt for the Tax Year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Product: Debt collection

It came to my attention of XXXX midland accounts when viewing my credit reports. On separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX and XXXX pertaining XXXX Midland accounts ( XXXX ) and ( XXXX ) and the disputes were returned verified. After That I sent midland an email on their website dispute system to direct dispute with them on XXXX 2015. They have sent me no verification whats so ever, then midland sent me a bill to pay them in XXXX, I do n't read XXXX. After some investigation on my part, I am concerned that this account may not belong to me, and the reporting to XXXX XXXX and XXXX Is not accurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ). Also Midland is not suppose to report a collection account under " revolving open accounts '' Showing it is an open account on monthly terms with XXXX plus lates. This is a violation. Midland is a collection agency and did NOT extend me any credit.
Product: Credit reporting or other personal consumer reports

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, don't send me the information I requested that by law is mandatory for the company to give you. This is grounds for removal. 

They also violated my rights under 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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$200000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$570.00}
Product: Checking or savings account

I am an USAA member and have checking accounts and insurance services with them. 
Since XX/XX/2024 I am having problems when I call their XXXX number to speak directly to a live representative. 
When I enter my member number or social security number, the system says : " Sorry, that is not a recognized member number or social security number ''. 
My USAA membership is active and up-to-date and there might be a system glitch that is not being resolved despite the number of calls I have made since then. 
Since XX/XX/2024 I have called USAA numerous times about the same problem and have been treated by some representatives with little or no respect, or proper interest on my issue, and there is still no resolution on my case. 
On XX/XX/2024 a representative named XXXX from the XXXX XXXX XXXX XXXX called me stating that the USAA voice recognition issue was related to my phone number being attached to another member 's number ( my deceased mother ) and transferred me to the XXXX XXXX 
Based on my conversation with representatives from that department, that is not the issue. 
Yesterday I called USAA again and spent almost ten hours on and off the phone and spoke to several member representatives, which included XXXX in XXXX XXXX who told me that she was going to put a ticket request to the support team to resolve this issue. 
By the end of the day I was transferred to XXXX back on the XXXX XXXX XXXX, which again, that department had nothing to do with my phone log in issue, and she told me that looking on my member profile, she didn't see any ticket request put by XXXX yesterday and the only ticket she saw was dated XX/XX/2024 that was still showing as an open ticket ( by XXXX/XXXX/XXXX ). 
During all the phone call transfers, I was also connected to XXXX in XXXX XXXX and as she became frustrated with my call, she simply blocked my member online access, which created a new problem and I had to call USAA again to have my member access unblocked. I was connected to another representative named XXXX, and that process took over one hour. 
Today I am still having problems with my phone access and getting the same voice error message. 
I also had a new problem with a XXXX transfers, and when I tried to process a transfer from my USAA to my XXXX  account, the system immediately not completed my transaction and requested me to contact USAA. 
I made a transfer test in the amount of {$1.00} through XXXX from my XXXX to USAA and didn't experience any problems making the XXXX transfer from my XXXX account to USAA, so the issue was with USAA and not XXXX. 
This is a new problem that I am having with USAA. 
I have been trying unsuccessfully to resolve directly with USAA but have unable to resolve all these issues with them, so now I and requesting CFPB to assist me to request resolutions from USAA.
Product: Student loan

When I ( and my Mother, cosigner ) applied and received a NJCLASS loan in XX/XX/XXXX-XX/XX/XXXX, HESAA 's  website advertised " flexible repayment options. '' That led us to believe that NJCLASS was similar to federal loans that offered flexible repayment options. However, it was n't until the loans went into repayment in XX/XX/XXXX that we learned HESAA 's advertised " flexible repayment options '' referred only to the 3 repayment options HESAA offered when you first took out your loan -- Option 1, Option 2 or Option 3. I am drowning because they are terrible at customer service, availability of customer service ( the website is archaic and NOT helpful for submitting forms etc. ) Most of the time, sensitive information is having to be communicated via email " gmail ''!!! 

When I first applied to NJCLASS, I was denied and was advised I needed a cosigner. We called HESAA to advise we had no one willing to obligate themselves to this debt. The agent stated over the phone that if we chose Option 3 ( deferred principal and interest until graduation ) -the cosigner would not be liable for any payments because no payments would be due until my I graduated. And, when I graduated, HESAA would consolidate all of my NJCLASS in my name only, and the cosigner would be removed. We operated in that manner and when it came time to consolidate, HESAA denied my consolidation loan and advised he needed a cosigner.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : Convergent Account 603534015894**** According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Debt collection

I am writing to formally file a complaint against Transworld XXXX XXXX pertaining to a critical matter concerning my credit reports.It has come to my attention that Transworld XXXX XXXX has reported the same account twice on my credit reports. This erroneous duplication has resulted in severe health and financial consequences for me. Despite my sincere efforts to establish and maintain a favorable credit history, this incident of negligence on the part of your organization has caused a significant decline in my credit score, rendering me unable to apply for essential bank loans. 

The ramifications of this error have been nothing short of catastrophic, as it has severely impacted my financial stability and overall well-being. I urge Transworld XXXX XXXXXXXX to take immediate and appropriate action to rectify this situation, which has left my life in disarray.I kindly request that you promptly investigate this matter and correct the duplicate reporting on my credit reports. I also expect that you provide me with written confirmation of the resolution, as well as any actions taken to amend my credit report, within 30 days of receiving this complaint, in compliance with the Fair Credit Reporting Act. 

Failure to address this issue in a timely manner may compel me to explore legal avenues to protect my rights and seek redress for the damages I have incurre
Product: Student loan

MOHELA randomly charges my bank account that dont go toward my principal for my loan. Theyve done this on two separate occasions where they take out money randomly and it doesnt go towards my debt repayment. On XX/XX/year> for two separate transactions of {$190.00} and {$190.00}. The second on XX/XX/year> for {$120.00} and {$120.00}. I have called customer service numerous times and they have claimed that they cant find those payments I just listed. Those payments are clearly on my XXXX statements and I can provide details if necessary.
Product: Credit reporting or other personal consumer reports

I looked at my report XXXX of XXXX and noticed some things are incomplete and not accurate. According to 15 USC 1681e ( b ) whenever a consumer 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. 

I ask for a reinvestigation of these accounts listed below, XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX is a charge off account, The IRS said a cancellation of debt over {$600.00} is considered income and income CAN NOT be reported on my report. Also this is reporting every month as a charge off, and this account was closed XX/XX/XXXX way before it was in charged off. 

XXXX XXXX XXXX  # XXXX account was paid and closed, there are several in accuracies there as well. 

I got the investigation back but noticed nothing was modified or updated, I requested a description of the investigation and they did not provide it to me which violates 15 USC 1681 i ( 7 ).

I asked for the method of validation i.e, certified receipt with my signature, phone conversation, or email giving me proper notification of debt. Also the certification of authenticity of the debt.
Product: Credit card

I was XXXX  in Minnesota XXXX for 5 years and a relative had access to my personal information. They used my information to open and obtain multiple fraudulent lines of credit and defaulted on them. During the pandemic around XXXX I made multiple attempts to reach Capital One and request that this account be closed to no avail. It was hard to even verify my identity to the company due to all the security measures required and it was my identity. Since my release this year XXXX, I have disputed this account with Capital One and the credit bureaus individually and I have been met with closed doors.
Product: Debt collection

Several phone calls a day. Multiple calls every hour. Literally non stop. They are calling from a few different states and identifying as comenity bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud account due to the fact that this company is reporting a Secured account and is charging for credit which is against 15 usc 1666 & 1692. I've tried handling this account with them but they are still reporting this fraudulent account.
Product: Payday loan, title loan, or personal loan

Embassy loans was paid an closed on XX/XX/2015
Product: Checking or savings account

Greetings, My name is XXXX XXXX. I have XXXX accounts at Regions Bank, that I would like to discuss with you. The XXXX accounts end in XXXX ( joint account ) and XXXX ( solo account ). 

At the very beginning of XXXX I initiated a transfer of {$420.00} from account XXXX to XXXX account. 

Issue : After discovering an issue yesterday XX/XX/23 ( XXXX weeks later ) I discovered the following ( please note this discovery came yesterday when the account ending in XXXX went negative )... 
1. When I initiated the transfer it was taken out of my account ending in XXXX. 
2. A few days later it was put back into my account ending in XXXX ( as a returned check item ). 
3. The transfer of {$420.00} was successfully put into the other account ending in XXXX in early XXXX. 
4. XXXX weeks later ( yesterday ) the amount of {$420.00} was debited from my account ending in XXXX therefore causing the account to be in a negative balance. 

My concerns : 1. Why did Regions take the money and give it back to me with the account number XXXX in early XXXX? The transaction essentially canceled out. 
2. Why did Regions bank wait XXXX weeks to rectify this with account XXXX? 
XXXX. Why would account XXXX be the XXXX debited and not account XXXX? 

My request : 1. For the {$420.00} to be forgiven from the bank. I am requesting for my account ending in XXXX to be bought back to a current/positive status. 

My reasoning : 1. This appears to be a bank error. It appears to be a late act of the bank and an unnecessary confusion of accounts. As a bank customer I have entrusted my financial transactions with Regions bank. Handeling many transactions in a day let alone weeks later is very concerning. 
2. The bank has had a breach of a duty of care for my accounts. It appears to be a breach of its contractual obligations to me as a customer. 
XXXX. This has bought harm to my assets. 

I would greatly appreciate any expeditious handeling of this situation. 

Note : If this message needs to be sent to someone else at your institution or company please forward to them. I would like to have this handled as soon as possible. 

I can be reached all day today via email or telephone regarding this situation. My telephone number is XXXX. Have a positive and productive day. 

P.S. Please see the attached document. It includes XXXX screen shots that I have gathered for your review regarding the XXXX accounts. 

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

XXXX XXXX XXXX  reporting on my experian credit file I have no known knowledge of this account. I have disputed this account and requested signed credit application with my signature on it, proof of ownership, and they have failed to provide any information to me
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent someone stole my personal information AND social security number and photo ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME ... I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate account with all three credit bureaus ( Equifax, XXXX, and XXXX  ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports from XXXX, XXXX and Transunion and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information.

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX