23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Mortgage

About three weeks after we signed a purchase contract in XXXX, XXXX  for a XXXX XXXX house at its XXXX subdivision in XXXX, California the mortgage lender Loan Depot told us we must sell our present home we occupy. 

We followed the right steps. 
1.We inspected the XXXX XXXX XXXX and chose XXXX XXXX XXXX with a XXXX XXXX XXXX XXXX 
2.We paid XXXX XXXX to hold a model until XXXX XXXX lender of choice gave us a preapproval letter so we could then sign a purchase contract. 
3.We contacted Loan Depot because XXXX XXXX said it prefers to work with Loan Depot XXXX We emailed Loan Depot all of our paystubs, W2s, bank statements, credit authorization and what they asked for before they would give us a preapproval. 
4.In an email Loan Depot asked us if we would sell our home before we purchase the new home. We said no because of the Covid virus we didn't want potential buyers coming into our home. 
5.Loan Depot gave us a preapproval then we signed a XXXX XXXX XXXX contract.

6.Again three weeks later Loan Depot said we must sell our present home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

Vanilla Gift Card Dispute Case XXXX - Unauthorized Transaction {$500.00} The dispute case was created on XX/XX/2023 and the request was to resend the gift card. I never received the card irrespective of numerous calls to the customer care. The customer care person has no clue on the status of the case for the delay.
Product: Checking or savings account

On XX/XX/XXXX, I applied for an HSBC Advance Checking account. 

The account was advertised on the HSBC website with a {$200.00} welcome offer after qualifying activities. I applied for the account by clicking the advertised link on the HSBC website. On XX/XX/XXXX I completed the qualifying activities, which consisted of a series of direct deposit/payroll transactions. 

The welcome offer contract ( attached below ) specifies that I would receive the bonus " approximately eight weeks after completing all qualifying activities. '' When the welcome offer was not received as expected, I contacted HSBC via BankMail, their direct messaging service. I contacted them on XX/XX/XXXX and received a reply 16 days later informing me that " we regret to informed you that as per the investigation Team confirmation, your account application doesn't link any cash offer. 
However, if you have any screenshot for proof of your application ID and supporting evidence, you may provide to us, so that we may forward to the campaign and Promotional Team further assistance. '' There is no means provided of sending screenshots or supporting evidence to HSBC.

Several follow up messages -- providing HSBC the requested application ID and requesting instructions on how to provide them with the requested supporting evidence -- went unresponded to. 

On XX/XX/XXXX I was finally told " We have received your BankMail inquiry with regards to the bonus offer not credited to the account. Upon review the investigation raised is rejected as there is no offer linked to this account, as per the terms for advance checking bonus offer {$200.00} mentioned below ... '' The bonus is now two months overdue. HSBC has failed to honor its obligation and also will not communicate with me in a timely manner.
Product: Vehicle loan or lease

HYUDAI MOTOR FINANCE USA My loan was paid off on XX/XX/2023. I did an extra payment and suppose get the refund which I did not receive it more than 2 months later. Whenever I call to get the refund check, I am getting different answers. Spoke to the supervisor today and she is also giving me run around to get my money. Staff are very rude and not helping. I hope some one can take some actions and teach this big company that they can not treat customers like trash.
Product: Credit card

Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}. 

Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible. 
" No way '' according to them!!! 

This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments. 

I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me. 
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders. 

What they are doing is definitely unethical and constitutes the highest level of greed. 
This practice needs to be stopped immediately. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit profile. All inquiries were deleted. Today XXXX XX/XX/2021 I logged into my account, my score went down due to inquiries.
Product: Credit card

Identity defense informed me of a new account I opened and shows up in my Credit report for XXXX. After checking, I concluded it wasn't mine. I did not open one and no card was sent to me. I've told them to close the account but nothing has happened. It Say 's it's from Comenity bank. I don't know them and have never dealt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

XX/XX/XXXX is the last time my Experian credit report was updated/refreshed. Each time I login and request that the report is refreshed it gives the error message " An error occurred and we are currently unable to process your request ''. This error has been occurring since XXXX and it is now, XX/XX/XXXX. I reported the issue in XX/XX/XXXX, however, it is still happening. How is this company still allowed to operate in the U.S.A? It is impossible to reach a " live '' person by phone and something should be done about Experian. A legal action should take place that should shut them down from operating in the United States. I disputed an item and can not determine whether or not the item is removed from my Experian Credit Report. Also, on XX/XX/XXXX, I tried requesting a report via XXXX and received the message " not able to verify your information. '' I used the information from the last credit report I received on XX/XX/XXXX. Please help me access my information at Experian.
Product: Credit reporting or other personal consumer reports

This is not the XXXX  time I have found inaccurate information on my credit report. The XXXX credit bureaus are required to verify these items. It is unacceptable to report these items as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted XXXX XXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX  XXXX Balance Owed : {$5100.00} XXXX  XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have over 76 inquiries on XXXX 64 on Experian and 46 on XXXX that I did not authorize only inquiries that should be on my credit report are the one in which I have a open account. I did not authorize the other creditor 's to run my credit my information was stolen in data breach
Product: Credit reporting or other personal consumer reports

Mon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX | DOB : XX/XX/year>XXXX  XXXX, Equifax, XXXX To Whom It May Concern : 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 This letter is a follow up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : This account is listed as being 30 days late. I have never been late on this account. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed. 

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

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

They double-charged my payment this weekend, causing my checking account to nearly overdraft. I had to borrow money to cover it, because they also are not answering emails or the phones. Yesterday the phone line wasn't even working. Today I thought I was finaly going to get through and then I go through all the trouble and waiting for a rep. At the end there's a recording saying to call back later. That's not okay, it doesn't seem legal. And I'm really upset with Comenity. I wish they never took over the XXXX XXXX EXtra Points card- i have had numerous issues with them including them shutting my old XXXX card off without any notice. 
I've even tried calling the hearing impaired line because this was an emergency - their website was not working this weekend and it wasn't showing a scheduled payment. So I made another - and then you charged it twice. I need the second payment of {$63.00} refunded now, but I can't get ahold of them to do so. 
The real issue is that it's been two business days that I can not talk to ANYONE to receive help, this doesn't seem legal. This is a credit card, not a cable bill - this is something urgent. 
The numbers posted on their website get you nowhere. 
XXXX XXXX XXXX ( TDD/TTY : XXXX ) TDD/TTY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have rights 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT XXXX XXXX XXXX XXXX WITH SANTANDER CONSUMERS ON XX/XX/22. PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has failed to properly investigate a dispute I sent last month, my dispute was closed out with a general response but did not notify credit reporting agencies of dispute nor did they check the inconsistencies across all three credit reporting agencies that was spoke of in the dispute, According to the FCRA, XXXX should have did a proper investigation of dispute to check for any computation errors and or review credit reporting for the consumer account, Self failed to do any of these things and the credit reporting is still inconsistent. I am demanding this CC account be removed and {$1000.00} in damages for willful non compliance of the FCRA that ultimately damages my consumer report. Im looking to hear from you soon.