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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX INQUIRY : XX/XX/XXXX : XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Debt collection

This is XXXX XXXX I am requesting verification- ( sworn under oath ) by United Credit & Collections Inc for this alleged debt.I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting United Credit & Collections Inc to cease & desist all communication unless for verification purposes. I am also demanding United Credit & Collections Inc to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Product: Checking or savings account

On XXXX XX/XX/2023, I receive a letter from HSBC informing me that the bank is exercising its right to close my bank account on XXXX XXXX XXXX, with no reasons provided. As I am an international customer, I only received the letter on XXXX XX/XX/2023. I had only 2 weeks to scramble my banking instructions so that there will not be any issues with account debits or credits after the account has been closed. 

I immediately prepared a letter on the same day to send back to HSBC 's address in New York. In the letter, I urged the bank to reconsider the account closure, as I am interested in continuing the banking relationship and could not think of any reasons why my account would be closed, and could provide reasons for all of my banking transactions. At the very least, in the letter, I stated that I would like a reason for the account closure. 

HSBC acknowledged my complaint in an email on XXXX XX/XX/2023. Unfortunately, they stated " Were unable to re-open your accounts or reconsider our decision. I regret were unable to assist on this matter further. '' I have not been able to get any information from customer service as well. 

I'm afraid HSBC has not " opened up a world of opportunity '' for me, and has in fact left me with lots of questions about how the bank manages the account of its clients. I certainly would be worried if the bank could just close any account it wishes to without any reasons provided, leaving customers scrambling for other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Primary Residential and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal.

Primary Residential XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a late payment on my report from XXXX of XXXX. In XXXX of XXXX  I was forced to move out of my apartment because my neighbors unit caught on fire. I moved and set up a forwarding address but mail didnt start to arrive at the new address until late XXXX and by the time I received my statement it had already been over 30 days late. I demand late payment removed/updated. 15 U.S Code 1666b. 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.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXX XXXX XXXX XXXX XXXX, which ended up being " serviced '' by XXXXXXXX XXXX. The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXXXXXX XXXX. This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud.

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXXXXXX XXXX at all. My credit reports only reflect XXXXXXXX XXXX XXXX XXXXXXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud. 

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, with the Note. This is fraud.

5. I have checked the XXXX system for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXX  CXXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.
Product: Credit reporting or other personal consumer reports

You failed to remove information and I need it removed per FCRA Section XXXX you must permanently delete everything that is identity theft. 

I do not care what the companies are reporting as verified. I signed an affidavit for both an identity theft report and police report and I am telling you I NEVER applied for or opened or closed the accounts with the companies I listed ( I listed again below ). Someone STOLE my identity and my personal information and applied for, opened, and closed these credit card accounts with the companies listed below. You MUST comply and delete them off of all of my credit reports and the companys histories permanently immediately including any hard inquiries, opened credit card accounts, or closed credit card accounts with XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. Also I should see XXXX hard inquiries on my credit reports. Inquiries on my end that I see but there could be more to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries I also XXXX wrong addresses that do not belong to me with various variations and XXXX XXXX unit or apartment numbers ( 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 reporting on my account. My first name is not my middle name so please remove that as wells These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section XXXX you must delete these items permanently immediately as they are identity theft fraud. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown account # XXXX, unknown 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote them time after time to tell them to remove fraudulent information reporting on my credit and update my credit file
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date.

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

On XX/XX/2022 I called my student loan service provider, Edfinancial Services, to initiate a student loan refund for the amount of {$15000.00}. The amount requested was the amount I have paid since the beginning of the Student Loan Forgiveness timeframe. I requested a refund and a reinstatement of {$15000.00} to my loan balance. They initiated the refund request and said it would take 4-6 weeks for the loan balance to be reinstated and the refund request to go through. They informed me that the refund would be processed and returned through my checking account since that was the payment method used to pay off the loans. 

On XX/XX/2022, I called my student loan service provider to ensure that a refund request was initiated. They informed me that it would take another 6-8 weeks for the refund request to be processed and the loan balance to be reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a full investigation of a bankruptcy reporting to my credit file. I asked for documentation and proof of the investigation. I want to know the source of the information. I contacted the US Bankruptcy Court and was informed that they do not report to any other company or credit bureaus. The only one entity that could officially verify the bankruptcy has verified that they did not. So I am confused why LexisNexis is providing this information for it to be furnished to my credit report. If the US Bankruptcy Court did not report this and there was no permissible purpose to furnish this information then a bankruptcy should not be on my consumer report
Product: Credit card or prepaid card

Late XXXX I tried to shop around and find a bank thatll do a credit card balance transfer from XXXX. I ended up speaking with someone at citizens bank XXXX XXXX XXXX, MI ). The representatives there reassured me they can do the transfer. I was approved XXXX XXXX and got an email confirmation that I was approved. I then called the credit card company like I was told to ( upon receiving my card in the mail ) to ask for a balance transfer. I read off my Michigan schools and government credit union card number and was told citizens bank isnt associated with XXXX therefore cant do the balance transfer. I then called back to the citizens bank to ask what to do. I was told They had no idea and to call the credit card number back and ask for a cash advance check. I called the credit card number again and was told they stopped doing this a few months back ( quote on quote ). I called back to the bank and they claimed they had no idea of this change and was told they will see what they can do. 2 days went by, no call from the bank. Finally I called back today, XX/XX/2020 to check on the status of this issue : they claimed they got an email with a link XX/XX/XXXX regarding this new change ( no longer offering check advances ) and that It was a link 3 pages down that apparently no one at that branch read. They admitted its their fault but that doesnt solve my issue. So now, im stuck with a XXXX credit card I cant close due to It impacting my credit. Nor do I need it. It was pure negligence and malpractice of this branch not staying up to date on changes. None of the time line matches up to what I was told from the credit card company XXXX what the branch representatives told me either regarding this change. Essentially I was told a manager / supervisor from credit union ( XXXX mile ) would call me back and no one ever did. ( I was told this XX/XX/XXXX And no manager called me, and when I reached out XX/XX/XXXX, a bank rep essentially owned up to their mistake and told me theres nothing she can do ). I need this credit card removed / closed without It impacting my credit, as this is that branches fault it was open in the beginning. I am extremely disappointed at their lack of knowledge and how they handled this situation. I made It clear multiple times Im transferring balance from XXXX, so if someone were to check recorded conversations with citizens bank and their credit card line you would hear this. I need this resolved and at the very least they should be held responsible for their mistake and negligence.
Product: Checking or savings account

CFPB already got an answer for this complaint on XX/XX/20 stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 7th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 7 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment XXXX XXXX XXXX  XXXX XXXX Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( XXXX ) : The reporting practices may violate the XXXX, which mandates accurate reporting of credit information. 
Additionally, sections 15 U.S. Code 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was at XXXX XXXX of XXXX trying to purchase a new vehicle when I was told I had a {$25000.00} car loan from Wells Fargo under my name that was opened in XX/XX/XXXX and was behind on payments. I knew for a fact this wasn't me, because the only credit that should be reporting under my name is my lease Through XXXX XXXX and a secured credit card through XXXX XXXX XXXX, who is my actual bank. On XX/XX/XXXX I called Wells Fargo credit fraud department to report fraud/identity theft from this car loan. I would first like to add that they made it very difficult for me, transferring me to multiple different representatives to the point where I hung up and called back just so I could speak with someone who would actually help me. When I got on the line with someone who could actually help, I spoke with a gentleman named named XXXX who then transferred me to a lady named XXXX who is part of the customer care team. I learned that the person who potentially stole my identity went by the name of " XXXX XXXX ''. XXXX then transferred me to someone supposedly working in their " executive office '' who went by the name of XXXX. XXXX helped me out and made a case out of it and gave me a case number which is Case # XXXX and the agent that was assigned to my case went by the name of " XXXX XXXX '' XXXX gave me XXXX 's phone number with her direct extension so I could contact her. I tried reaching out to XXXX the very next day, XX/XX/XXXX, and left a voicemail and still to this day have never talked to anyone from Wells Fargo named XXXX XXXX. On XX/XX/XXXX, I received a call from Wells Fargo Auto Loans and I was informed that the reason why this {$25000.00} car loan was showing up on my credit score was simply because of what she said was a " ty-po '' and " human error ''. To me this is incredibly careless and in a way disrespectful that someone would not literally take the time to confirm, review, and confirm again that this is actually the right social security number. This is completely unacceptable to me and the 30-60 day window that they told me would take for this to be off my credit report really isn't an option at this point. I feel like Wells Fargo handled this situation very poorly for someone who is not even a customer with their bank and I feel like further action should be taken against them. Late payments on a car loan significantly destroys your credit which is happening on a daily basis every day that this is on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, BANK OF AMERICA add a hard inquiries on my credit reports per XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a complaint about the inaccurate late payment the company reported on XX/XX/2020. The account is CAP1/L & T XXXX This account is listed as late on XX/XX/2020 in my XXXX  , XXXX  , and XXXX  report. I remember that during this month I spoke to XXXX  and XXXX  this is during the start of the pandemic that I was not able to access my money. I work in a hospital as a healthcare worker and was considered an essential worker as mandated by law. I was not going home during that time because of safety reasons. I called the company and let them know about my situation. They said that they will give me a grace period to make a payment on which I think is fair during that time. However, after I made a payment during the grace period they mention today I see a late payment reported in my credit report. 

This is the only late payment ever reported in the lifetime of my account. I thought that after giving you a heads up about my situation the company will able to compromise. I did my part on making payment despite the situation but I think the company has to honor their promise on not reporting this as late. I can not let them report derogatory information in my file. I need the late payment on XX/XX/2020 to be removed from my credit report.
Product: Credit card or prepaid card

i opened a store card under my personal name, just to have a better control on my personal expenditure and my contractor account with Lowes home improvement, and since this time i keep my loyalty with the store buying my daily materials, Last year XX/XX/2017 i was reported 30 late on my payments that was set up on automatic payment, I called Lowes infoming that all my payment was on automatic payment and couldn't see it being behind special on a such small amount but had no option to have my case heard by lowes ; I even try to resolve it through the credit bureaus but no success either, it seems like it not important to them. 
I went through some credit score simulations and this simple fact its damaging my credit score considerably., I would like to have this wrong info removed from my credit report