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

I have spoken with XXXX on multiple occasions, I have financed several items through XXXX and paid all in full. XXXX has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given XXXX documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXX of 2023 and in XXXX and XXXX in XXXX of 2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked Rocket mortgage NOT to do this and still it happened. The company will not work with me to make this right.
Product: Consumer Loan

My wife and I have asked numerous times to stop calling us at work. 
When the call 2-3 times a day, the do not leave the name of the rep only XXXX.
Product: Credit card or prepaid card

1. Tried to redeem rewards points into a checking account on XX/XX/XXXX. Did not realize it had to be an HSBC checking account and the application accepted my account number. Within a few minutes I realized my mistake and called HSBC to cancel the redemption. They could not and said the points would automatically go back into my account when they found no HSBC checking with that number. 

2. Received a letter dated XX/XX/XXXX saying that I had tried to redeem points into an invalid account, and the points had been put back into my rewards account. 

3. On XX/XX/XXXX, I checked my rewards account on the points had not been put back as the letter indicated. I called HSBC again, and they said they would open an " escalation '' to investigate the problem. When I called a few days later for an update, I was informed that escalations might take up to 10 business days to be addressed. I was not sure why I had to open an escalation for the points to be redeposited as the letter indicated. 

4. On XX/XX/XXXX, I called to find out why the escalation had not resulted in the points being put back into my account. After being on hold for quite a significant amount of time with the " rewards department '', I was told that the rewards " Back Office '' could not return the points, that the credit card company had to do that. I was transferred to the credit card division. After another long wait while research was done, I was told that a ticket had to be opened and escalated yet again with the " Back Office '' and that I needed to wait another week for a possible resolution to get the points I had been told were already put into my account. I told them that I had waited long enough for resolution and wanted my points payout immediately as I wanted to cancel my credit card. I was told that I would not get my reward if I cancelled. That I had to keep my card open until this issue was resolved or I would not get paid. I indicated that I was done waiting and that I did not feel confident the back office would resolve it as I keep getting sent in circles. I indicated I was going to reach out to you. I am owed {$49.00} by HSBC. I am attaching the letter they sent indicating funds had been returned to my account and they were NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails XXXX refused to block XXXX XXXX XXXX  account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
Product: Checking or savings account

On XX/XX/2018, a fraudulent money transfer in my name, using my Discover Bank debit card through XXXX ( affiliated with XXXX ) was conducted in the amount of {$860.00}. I immediately called both XXXX and Discover Bank to file the fraud and, in the case of Discover, freeze my debit card and account. XXXX could do nothing and directed me to talk to the fraud department at my bank ( Discover ). I did so, and Discover closed the original account and open a new one, initially returning the stolen funds while they investigated. Proof of the original fraudulent transaction is in XXXX. 

The next correspondence happened on XX/XX/2018, where Discover Bank reversed the temporary credit and took the money back. I called them to dispute this, but they said there was nothing they could do about it and claimed their investigation had not confirmed my fraud report. ( proof of funds removed is in XXXX ). 

I recently heard about the cfpb complaint process and I am taking action now to have this claim addressed.
Product: Checking or savings account

They said they were closing my bank account and then my direct deposit from my job ups came in and they are holding it and refusing to release it or send me a check i have no funds this is my paycheck what would they do without their paycheck i have mouths to feed.
Product: Checking or savings account

I participated in the HSBC account opening rewards last year. ( Open a checking account, and then meet the direct deposit of {$500.00} for three consecutive months, and I can receive {$200.00} in account opening rewards within 8 weeks after completing the task ), I am the first I contacted HSBC 's online customer service this time, and he told me that I had successfully completed the task, but the bonus payment needed to wait. About 2 months or so, I contacted HSBC again. The customer service told me that the task was completed. The {$200.00} bonus will be issued on XX/XX/XXXX. Two days ago, I contacted the customer service again to confirm whether the bonus can be received on XX/XX/XXXX. The customer service answered me that I am not eligible to receive the bonus and I am not eligible for the event.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Hello On XX/XX/XXXX at XXXXXXXX XXXX I tried to purchase movie tickets from the company XXXX  the price was {$34.00} I received an error message that says " we are sorry, but there was a problem reserving seats at this theatre and right after that I received a text from XXXX  that says you spent {$34.00} at XXXX I called XXXX and asked them where are my tickets they said the sale was voided I asked them why and I never got an answer but by that time I didn't care I was only concerned about getting my money refunded I asked them specifically if I did not purchase anything why didn't they send me an e-mail confirmation about the voided sale then they sent me an email that has their policy about unsuccessful transactions I asked each company why my funds were being held if I made no purchase and they both blamed each other and I was not told how long I would have to wait for the release of my funds it was 7 days I want to know as a consumer do I have any rights If the company voided the sale right after I attempted to make a purchase why did they hold my funds it was clear that nothing was exchanged money for service or goods just two companies playing around with me for a week on the XXXX  account it doesn't even show that the funds were refunded I just got a text message like it never happened my children and grandkids rely on these cards they are college students if they attempt to purchase something and the sale doesn't go through and their money is held up for 7 days that could be disastrous for them I was fortunately able to go to the theatre and purchase the tickets I am concerned for people who rely on these cards to reiterate if the company canceled the purchase on their end and there Is no sale why did they place a hold on my funds for 7 days the card company said they did not place the hold and the company said the same I have chat messages from both telling me to talk to the other company XXXX XXXX is not accepted everywhere ok so if that's the case then why can't I be told that at the point of sale so I can use another pmt method which is what I think may have happened since nobody said why they didn't let me use the card I have used it with no problem ever before or since then
Product: Credit reporting

I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my consumer file # XXXX as of XXXX XXXX, XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Thursday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. She also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I demand that this public record Wage Earner Plan/Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax so-called " verification '' on XXXX XXXX, XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE IN PLACE DATED XXXX/XXXX/XXXX. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Wage Earner Plan # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record : Wage Earner Plan/Bankruptcy # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX XXXX agents assured me that Equifax 's XXXX XXXX, XXXX " reported date '' and " verification date '' DID NOT come from Lexis Nexis because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
_______________________________________
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has been reported on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and deleted from my credit report. 
Unauthorized Account : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXXXXXX XXXX Balance : {$770.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX let an be open without my consent. i sent police report an documents they asked for. but yet refuse to remove this from my credit
Product: Credit card

I received a XXXX Cancellation of debt form from Bank of America in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My account with 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 2 MONTHS 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  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

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Debt collection

On XX/XX/2018 I had tests performed by XXXX XXXX at the request of the referring physician Dr. XXXX XXXX who is one of the doctors at XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. A claim was sent to my insurance which is XXXX  XXXX for the amount of {$310.00}. The claim was denied so I call XXXX  XXXX to fine out why the claim was denied. They told me that the doctor office submitted the claim which the wrong code and I should let them to resubmit the claim using XXXX which I obtain from my insurance company. I have sent XXXX copy of the invoice with code and spoke the there bill department rep. and still they have not submitted the claim to the insurance. Credit Collection Service sent me a letter tying to collect the debt of {$310.00} for XXXX XXXX. Attach you will copy of the invoice and the letter for Credit Collection.
Product: Checking or savings account

XX/XX/2021 my account was hacked into by hackers. They scam me telling me my account that hackers has sent money to someone in XXXX and was sending money to other countries. They told me to look at my account and they remote into my account use my XXXX ACCOUNT took my money. I immediately contacted NAVY Federal Credit Union. They took reported and reported as FRAUD told me would be investigated. 
Today XX/XX/XXXX I called Navy Federal Credit Union checking on my {$1000.00} they told me they were not able to put my money back even thou I was hacked by hackers that scam me. Please help I'm unemployed that is all money I had saved.
Product: Payday loan, title loan, or personal loan

In 2015 a " flex loan '' was taken out in my name. I did not do this. My mother did, she was able to because the person working at the advance financial location, on XXXX XXXX, in XXXX Tennessee was buying XXXX XXXX from my mother and did this as a favor. This loan was put in my name and I was not even present. I attempted to pay this off instead of just pressing charges. I made 8 months worth of payments and the balance due actually increased. I called the 24 hour number and was advised, by a supervisor, that when the flex loans first came out no one was properly trained. So the only way to pay the " flex loan '' off without paying a 300 % interest was to pay it all at once. I had been making the minimum payments ( XXXX biweekly ) and nothing was bringing the balance down. I was told that since this was fraud, and the individual who processed the loan was fired for not verifying people 's identities prior to approving loans, that I did not owe any more money. Fast forward to today, 2 years later, and I get an advertisement from some random attorney that advance financial has a pending lawsuit against me for the amount due. I did n't take this loan out, and I was n't there when it happened. I saw no money from this loan, it was done fraudulently. Advance financial was aware of this because they terminated the person doing it. I 've not heard from this company in over two years and today I find this out by way of an advertisement. This should be illegal. I called advance financial and the guy could n't tell me a thing because there was no information on any loan for me. I was given a number to call in XXXX, TN which is 2 hours away. The local store denied knowing anything because it 's been so long, and now I may be stuck paying something I did n't do, as an unemployed mother to XXXX XXXX XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I rented a car and paid with my credit card. Merchant lied to my face at the desk, saying a certain insurance was required by Nevada law and would not allow me to rent car without purchasing. After it became apparent that was a lie, merchant ( and Citi ) say I signed the paperwork so any prior fraud is not relevant. I disagree, as fraud is not a contractual remedy and the contact is in fact invalid if induced by fraud. Citi refuses to even engage on this premise and just keeps sending me the same stock letter with a scan of the rental agreement ignoring the entire premise of my dispute.

In one letter, Citi even endorses the bad behavior of the merchant and says " discerning the merchant 's integrity '' is my problem and not something they deal with. I disagree - one of the main premises of a credit card is that you are protected from fraud and improper behavior of the merchant. It is gross that Citi endorses this behavior to such an extent that they even refuse to get a response from the merchant that is applicable to the dispute.
Product: Debt collection

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history.
Product: Money transfer, virtual currency, or money service

A transfer was made from my account in a high amount and the company never worked with me on getting the issue resolved