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

There was a {$750.00} promotion to open a new HSBC Premier checking account if you funded {$100000.00} in new money. 

Prior to XX/XX/2019 I have never had an HSBC account. I opened the checking account in mid XX/XX/2019. After applying for the checking account I applied for a HSBC savings account. Once the checking account was approved I transferred in two amounts of {$1000.00} on XX/XX/XXXX and {$100000.00} ( XX/XX/XXXX ) to complete the requirements. Once the money was transferred into my checking account I then transferred it over to my HSBC savings. I have maintained those balances since those initial dates. Please see the attached screen shots for the transfers. 

The terms of the promotion state : " Deposit a minimum qualifying balance of {$100000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening '' " Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance '' To confirm that the promotion was satisfied I called in on XX/XX/2019. Upon calling in I was informed that my checking account was closed in error. However I was also informed that I was not eligible for the bonus and was not given a reason why. Since the checking account was closed I do not have record to the account number anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information reported by PennyMac on my XXXX  credit report ; 1. The Condition of the account is Open, not Derogatory.

2. The Status of the account is OK, not on a Payment Plan.

3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.
Product: Student loan

Reached out to aidvantage who has my loan from XXXX. Today when I called about my existing loan and what is the existing monthly payment going to be once the XXXX pause is over. Was told it would be {$750.00} a month. how is that possible? At the start of the pandemic in XXXX, I was paying {$390.00} a month. I was in a XXXX  forbearance periods since XXXX when I started my degree from XXXX. finished degree in XXXX. It was only until XXXX where I could consistently make payments. How can my payments now jump to {$750.00} in XXXX? I do not believe the algorithms the Department of Education Student Loan for the government is correctly calculating payment amounts and factoring in inflation and income. And the person speaking to me has a clue to explain what their application is doing to come up with an exorbitant amount of money to have to pay each month. It feels like XXXX all over again. From the XXXX settlement, my loan qualified for possibly a {$260.00} restitution payment. Never received the payment to date. If my loan had issues at XXXX, why isn't the department of education looking at my loan for correction or cancellation? XXXX already deemed my loan was treated wrong in their settlement. Why am I looking at paying even more money that I can not afford through the Department of Education? I will never get out of this loan or repay it if the monthly loan amount continues to increase and without explanation. If Department of Education is not cleaning up their systems to help borrowers, why do they exist? I want my loan looked at and someone to effectively explain the payment process.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance with the false account showing on my credit report. This has affected my reputation as a customer, and I need your help. I request that these accounts be removed as they are reported inaccurately and in a negative light.
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate you removing a portion of the fraudulent items off of my Credit File but I believe you still report a portion of the disputed items that resulted due my identity being stolen. I am requesting you to please comply with the Fair Credit Reporting Act section 605b and have the disputed items deleted off of my Credit File as soon as possible. I have read that under the provisions of the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by Federal law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, I request that you send me copies of proof of verification or any documents you might find bearing my signature to support such claims. If you found no documents, immediate deletion of the disputed items is to be expected. Once again, I am requesting you to please remove the following items off of my Credit File as soon as possible : 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 had made a payment to settle the account and it was to be deleted from my credit report and not only was it not removed it still shows a balance of XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXXXXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against XXXX, XXXX, and Experian CRA & XXXX XXXX XXXX XXXX XXXX XXXX I mailed XXXX, XXXX, and Experian 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 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 Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Contract Callers several times about removing the collections on my credit report. They assured me over the phone that if I paid the remaining balance that they would immediately remove the collections from my account. However, it is still sitting on my XXXX report. I called them to make them aware of the situation, and they told me to send screenshots and that they would remove it. That was almost a month ago and it is still on my report. I would like for them to honor what they said and remove this collections account from my report completely.
Product: Vehicle loan or lease

In XXXX of XXXX I obtained a loan to purchase a vehicle from Ally Auto. Subsequently, I sold that vehicle XX/XX/XXXX, the loan was paid off in full by the buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In early XXXX, I noticed that the payments I made to Ally Auto had not been correctly applied/calculated towards by loan balance. I also noticed, that months after the loan was paid off in full, Ally Auto reported a late payment on my loan. I immediately disputed the late payment with the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX Ally Auto falsely corroborated the late payments. 

I then proceeded to send Ally Auto a notice to file legal suit to their Agent of Record. This caused Ally Auto 's legal department to contact me by phone and subsequently re-calculate my payments according to the dates and amounts paid. Ally concluded they owed me well over {$800.00}. Ally Auto refunded that amount to me in or around XX/XX/XXXX. However, Ally Auto failed to update my credit report by removing the late payment for well over a year. Their refusal had a catastrophic and residual negative affect on my credit worthiness. Their inaction caused me to not be approved for multiple credit extension requests; including mortgages, auto loans, credit cards, and personal loans, as I faced financial difficulties and housing insecurity. Unfortunately, their failures to meet responsible reporting also had a negative affect on job offers. 

Ally Auto eventually removed the late credit report filing about a year later. The damage was already done. Ally Auto is single-handedly responsible for the negative state of my current credit worthiness status. I would like Ally Auto to provide compensation for their failures. Very similar to the settlement that was made in the courts in XXXX, Ally Auto 's practices consistently show they are careless with their responsibilites to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an identity theft on one of my accounts and after the investigation was over with no changes to the item i was disputing about they lowered my SCORE XXXX Points!!! Plus they keep the item on my 3 credit reports with no changes.
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 XXXXDATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXDATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Initially Heartland ECSI started auto debiting monthly an amount just under my quarterly payment amount without my consent.  The loan terms were that payment be made quarterly and that is how I set up my auto debit on their website.  I only realized this was happening when I received a late payment notice in the mail along with late fees.  I had been in essence over paying by hundreds of dollars a month and still generating late fees because the monthly payment that fell on the quarterly payment's due date was slightly less than the quarterly amount due.  All of this was without my consent.  In addition, I had auto debit set up from the beginning of this loan.  I called to rectify and was met utter incompetence and a complete inability to grasp the issue.  Finally after multiple phone calls and transfers to different people I thought I had successfully gotten to the bottom of the issue, had late fees refunded and re-establised my recurring quarterly payment.  However, on XX/XX/2016 I received a past due notice in the mail again with additional late fees.  I called ECSI on XX/XX/XXXX to rectify but again was met utter incompetence.  There appeared to be a problem with the due date and and the payment date which they could not seem to rectify.  In the end, I paid the loan off in full to eliminate any further confusion and avoid reporting to credit agencies which happened to wife with this same company for the same issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported on my credit card report is not accurate. I have been XXXX  for the past 8 years
Product: Credit card

I have encountered several incidents of financial identity theft dating back since XXXX 2014. A credit card was applied for around XXXX 2014 using my personal information. I did not apply for the credit card. I do not know where this card has been used. I was made aware of this credit card by letters regarding non-payments.
Product: Credit reporting

cfpb I sent Transunion a copy of the Police report reguarding XXXX XXXX I have been asking Transunion to send the Original documents that they should have at the consumer Request But they have failed to do so Per the FCRA 609 & 611 ACT I HAVE EVERY RIGHT TO ASK FOR THIS INFORMATION BEING A VICTIM OF IDENTITY THEFT THE LAW CLEARLY STATES THAT THE REPORTING AGENCY HAS TO PROVIDE THIS INFO Transunion has totally broke the law I also ask for all information on the accounts in the previous dispute asap
Product: Credit reporting or other personal consumer reports

I am writing to you in regard to several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 
I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA :
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my  agreement and I would like them to honor their part.
Product: Credit reporting or other personal consumer reports

Account XXXX has been charged off as of XX/XX/2020 and a balance of {$3200.00} remains showing on my credit reports with all 3 bureaus specifically XXXX, Equifax and XXXX. It is my understanding when a creditor writes off a debt that no further payments are due. The balance should be set to XXXX on credit reference agency reports.
Product: Debt collection

I was reached By PDM INC XX/XX/2022 by representative XXXX XXXX who is unprofessional he called about a debt which is incorrect information. I asked for the validating documents about this debt which was sent next day and the document that have the client information on it is incorrect which i called and told them i want to speak with the client and they are and was never the management of this property. I carefully viewed the documents, The documents have incorrect client details in which I reached out to speak with client to solve this matter. I call PDM INC back and asked who did they contact to confirm this is correct the Supervisor XXXX XXXX stated he talked with the client and validated it was correct I called the client and the client on the paper work stated this is incorrect information. The client stated they never been over the apartment on the paper work. The client googled the correct Management over the property which was reached and they stated are not over the apartments. I also mailed a letter out to PDM to dispute and send more validating documents to support this debt the company did not answer my request they also over the phone asked me to get my card to pay a debt that has no supporting information to prove this debt.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus 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 extortion. 
XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$4200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX " Account was closed '' XXXX XXXX : XXXXXXXX XXXX XXXX  ' account closed " XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX XXXX  " inquiry '' XXXX XXXX XXXX ' does not belong to me, I have no idea what this is "
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again. I was notified by a company that I do business with that my credit rating went down. It went down because it showed I was delinquent on a payment on my mortgage. The credit reporting agency it showed as Trans Union. I called the bank that reported it and read them the riot act. They showed me the report that they submitted through all the credit rating agencies it was titled a uniform credit report as I recall. Its all the same information went to all the reporting agencies. The bank shows that they did not report me as delinquent. I called TransUnion and they claimed that the bank absolutely did report that I was Delinquent. I contacted the bank again they assured me they did not. I filed a dispute. The bank responded to the dispute at my request the next day. I then called TransUnion to find out why it takes 45 days to fix their mistake when Delinquent reports show up instantly. The lady then informed me that it was absolutely the banks fault. So I asked her to pull up all of the reports. She said she couldnt as long as the dispute was outstanding and asked if I wanted to cancel the dispute. I asked her if I cancel the dispute would she be able to see the report the bank just submitted in the prior report that the bank submitted in mid XXXX. She said yes. So I canceled the dispute. She pulled up the report from the other day that showed that I was never late in the day account was closed. She then stated she couldnt pull up the report from me but was able to see that the report stated that the account was closed and all payments are on time. And then I asked her to pull a previous reports and she said she could not and we all know the TransUnion still has that information. So today I checked my credit report and it shows the fix from the bank and it still shows theDelinquency report the Trans Union created on its own. So now my credit report still shows a false mistake by Trans Union and a delinquency that never existed. Why wont Trans Union remove the delinquent report that is false. When I asked Trans Union why only Trans Union showed the delinquent report and the bank said they never submitted a delinquent report and all the other reporting agencies did not show that they couldnt answer that so basically Trans Union was saying the bank was wrong XXXX was wrong XXXX was wrong and XXXX ( spelling? ) was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had FOUR late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

Said account listed by XXXX  XXXX was not authorized by me. I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be deleted immediately.
Product: Checking or savings account

XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX XXXX XXXX XXXX  ( 4 days ago ) I wish to report a crime. I was robbed by Bank Mobile XXXX Bank located XXXX XXXX XXXX, XXXX XXXX CT. XXXX for {$4000.00}. The New York State Department  of Labor Unemployment Division sent my Unemployment Benefits via direct deposit to Bank Mobile XXXX ; However, Bank Mobile XXXX did not post the money to my account even after proof of direct deposit and trace request. I was simply told the bank did not get my money which is a lie!
Product: Mortgage

Complaint : XXXX Credit Union and Bank of AmericaHave been trying to modify XXXX and XXXX mortage loans with XXXX financial banks. Have already done modification with XXXX XXXX. Reduced loan which was small down to 4 %. Process was done within 30 days. 
XXXX XXXX Credit Union has been at best rude and really not interested in modification. Repeated had to call person who was in charge. Counterdicted themselves regularly and was told to be XXXX to four months late and will allow a short sale. Repeatly lost documents and made threats that they would not allow modifications if Visa card is not paid. Not interested in reducing interest rate and would rather have home. Verey unprofessional in collection activities on Visa card. 
Bank America mailed a letter to me about the {$95000.00} line of credit that is 100 % underwater. This was a mastercard line of credit with Countrywide. For almost 10 years have paid only interest only. Readjusting with principal in XXXX, XXXX. The readjustment makes no sense that payment should be {$780.00} not the {$980.00} on letter dated XXXX XXXX. After XXXX months of playing games with documents they made decision I could not afford any loan. The Home loan team offer a short sale if you can not afford the loan and gave no options except leaving the home. Kept calling and asking questions about my permanent XXXX and when I was going back to work. I repeatly stated it was not going away and I will never go back to work. I will be XXXX this year and have a XXXX that will just get worse never better. At best she was rude and and made threats to me you better pay this loan and your other creditors. In XXXX I was forced to retire on XXXX and had numerous charge offs. Had recovered on the credit bureuas to almost XXXX while paying all my creditors for 48 months. Started this process in XXXX all my scores dropped into the XXXX 's. There must be models in the credit bureuas that saw XXXX XXXX pay off loan and all the scores dropped over XXXX piints in days. Bank America stated in there XXXX denial I could not afford any loan. Based totally on the credit scores. Gave complete budget forms same as XXXX XXXX yet XXXX and Bank America considers us too high of a credit risk. XXXX XXXX they are now calling my wife and threaten her with a short sale when both the XXXX and XXXX are negative and the XXXX wellover {$100000.00} negative. XXXX and Bank America are both calling my wifes phone at work, withourt permission and calling our cell phone every XXXX homes when there loans are not late. Threats are short sale or we will forclose. Yet neither are 30 days past due