23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Week of XX/XX/XXXX, finding hotel for a trip, found one thru XXXX XXXX hotels, joined XXXX XXXX, dates for stay, when going to book room a promotional block came up for XXXX statement credit to apply for XXXX XXXX XXXX thru Wells Fargo. I did, was approved, received card XXXX. Used card at hotel XXXX thru XXXX. Statement received XXXX, no statement credit. Called Wells Fargo XXXX. They initiated a case. Email XXXX received. There was no promotion at this time. Called reopened new case XXXX stating above problem. Email XXXX  received, it is a XXXX XXXX responsibility they are the travel rewards company. XXXX Called XXXX XXXX, they deal with points only, ( I did receive points for stay, I can accumulate points, redeem for services etc ) they do not deal with moneys, I need to call Wells Fargo. So I did they opened a new ( 3rd )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter to Experian in regards to their investigation with XXXX XXXX XXXX Experian is reporting incorrect information that is hurting my credit report and I asked them to re- investigate and send supporting documents under the Fair Credit Reporting Act Public Law 91-506, Title VI Section Subsection 611 A-D. They haven't sent no supporting documents on their claims that's information they are reporting is correct.
Product: Debt collection

Once again, allow me to enlighten HSBC in regards to their lies and misrepresentation as noted in their CFPB response XXXX, HSBC states, " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). '' In all fairness, this is correct. However, the following statement is clearly an avoidance to truthfully state the facts. HSBC further states, " It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. '' This response is nothing short of preposterous. HSBC knows full well that XXXX XXXX XXXX XXXX is described in the deed dated XX/XX/XXXX. This is evidenced by HSBC ( formally Beneficial ) underwriting three previous mortgages, all of which contain the deed description of the XX/XX/XXXX deed and match the property of XXXX XXXX XXXX XXXX. They are as follows : XX/XX/XXXX XXXX XXXX, page 944, XX/XX/XXXX XXXX XXXX, page 238 and XX/XX/XXXX XXXX XXXX, page 347. All of which have been properly discharged. HSBC continues to be deceptive in not clearly admitting that the security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX, which they sold to XXXX is not the property of XXXX XXXX XXXX XXXX. As a result, XXXX and associates are trying to wrongfully foreclose on a property they have no security interest in. I would like written confirmation from HSBC stating that what I have outlined above is the truth. I encourage them to fact check my investigation of this matter. Their fraudulent deception of trying to protect XXXX and it's associates in their attempt to fraudulently foreclose is ridiculously unacceptable and unbecoming of any business that deals with the public.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX, and I am reaching out to request an update regarding the late payment remarks on my consumer report. I have never been late with my payments, yet there is a reported late payment on my file. This situation has caused me significant stress as it is negatively impacting both my credit report and my life.
Product: Debt collection

XXXX Hospital did not file my insurance correctly which caused my insurance not to pay the full amount of the bill which now has been added to my credit and has damaged my credit. I explained to the collection agency that i am XXXX and i am on XXXX and XXXX which pays 100 percent of all medical bills and the hospital would need to file the proper insurance to get the proper payments and they refuse. I am on a limited income and can not afford to pay my medical bills which is why i am approved for both insurances. They will not fix their error which is continuing to damage my credit severally.
Product: Mortgage

I am sending this note asking for a update credit report based upon receiving credit hits during Protection Disaster Assistants. My mortgage payments were on time every month for the entire duration of the loan until Hurricane Irma XX/XX/XXXX. I called and made a couple of payments after the hurricane in XX/XX/XXXX andXX/XX/XXXX to do what I could to keep this loan current. I offered to pay the past due amount before they reported again and I was told no need to since I was currently going through a modification. The payments I was making at the beginning of the year I thought were going to my past due balance. I was told that my account was coded incorrectly which caused for the negative remarks on my credit. 
This home is currently under contract for sale and I am trying to purchase a new home. I was told I am no longer pre-approved with these negative remarks and with my Credit Score dropping 88 points. I am 10 days out from being with in the 45 days of closing on the new house and in jeopardy of losing the house. 
I have been calling the bank every day to try to speak with someone and they keep telling me the same thing, there is no one above them that could help me. Im supposed to have a loan specialist and that person has changed twice, I leave messages and can never get in touch with them.

PLEASE HELP!!!

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

Ive filed disputes with all Experian XXXX  XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX collections is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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 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 have unauthorized inquires on my Experian, XXXX and XXXX report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I contacted the Regions Priority Customer Banking line and requested to file a complaint against Regions and their mobile deposit policies. I have both personal and business accounts with Regions. I am rarely allowed to perform a mobile deposit. Regions has daily and month mobile deposit limits, which I understand. What I do not understand is why Regions is counting both my personal and business deposits together into XXXX lump sum, and every time I attempt to make a mobile deposit I am told I have reached my limit. 

I have made XXXX mobile deposit the entire month of XXXX. It was done on XXXX for {$6700.00} in my personal account. I have not been allowed to make a mobile deposit into my business account this month. The month of XXXX I made XXXX business mobile deposits. They were {$2200.00} on XX/XX/XXXX, and XXXX  XXXX on XX/XX/XXXX. There is not a Regions branch in XXXX XXXX. I have to drive sometimes multiple days a week over an hour round trip to just deposit a check. 

I explained to the priority banking representative that if Regions is going to punish me for having multiple accounts by combining both personal and business mobile deposit totals, I should also have a combined limits that represent the total limits of both personal and business accounts together. The priority banking representative told me he was aware of some priority banking customers requesting larger mobile deposit limits and receiving them. I told him that I made that request in the branch with the branch manager. The branch manager told me they submitted the request but was told no. 

I told him that I would also like to add discrimination to my complaint since he informed me that Regions is offering services to certain priority banking customers that they refuse to grant to me. He took down my information and said someone may or may not be in touch with me about my complaint. I asked if he knew who to speak to about getting my limits raised and he said no. I asked if his supervisor knew and he said no. He said all he could do besides take my complaint was to transfer me to the online banking department. I said that would be fine. 

I spoke to someone in the online banking department and explained the problem and complaint to him. He said that there were not different mobile deposit limits. I said well the branch says there is. Your priority banking department says there is, and the priority banking representative had told me he could only give me information that is in his manual, so therefore ; the manual must also state there are different limits. I told him that so far today no one seemed like they cared or was listening to me and perhaps the CFPB would be willing to listen to me. He sarcastically said, " Oh well thank you for banking with Regions '', and then hung up on me. 

My Regions Complaint Reference number is XXXX.
Product: Credit card or prepaid card

I was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Report and needs to delete immediately : XXXXXXXX XXXX XXXX Date Updated : XX/XX/2021
Product: Student loan

On XX/XX/2023, I completed an application for an Income-Contingent Repayment Plan via US Dept . Of Education. I received emails from US Dept. Of Education stating the application submission was confirmed and I tracked the status until I received the following : Application Processed Completed on XX/XX/2023 Your loan servicer ( s ) has ( have ) completed their review of your application. 

I Waited for an update from ED Financial but I never heard from them. I called several times and each time was advised to wait for processing. The application was never processed and payments have resumed.
Product: Debt collection

I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX  cards were taken out in my name 2 of them. I reported this to XXXX  and XXXX XXXX the credit card company. Synchrony found it was fraud on both cards in XX/XX/XXXX I believe it was settled. Synchrony told me that the bills XXXX  kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings
Product: Checking or savings account

Recently my card was skimmed and I was hit with fraud my a company going under the name XXXX XXXX, a simple XXXX of that name, that is present in the transaction description yields hundreds and hundreds of results that show that this is a common fraud. My card was in my possession when this unauthorized transaction occurred. There were two others ( which the bank refunded after I disputed ) HOWEVER the bank refuses to dispute this for me, customer service is unreachable, and the bank teller I spoke with was entirely unhelpful. This {$42.00} error cost Suncoast bank a mortgage, which I then took to another company ( XXXX XXXX XXXX as I did not trust Suncoast. I withdrew all of my money out of suncoast ( about {$15000.00} in the last 90 days ) and am not transacting with them anymore. Refund me my money Suncoast, so I can move on and close my account with you. 


transaction description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transaction ammount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter XXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX  XXXX : {$300.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX  Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 4 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Mortgage

I recently became aware of the latest lawsuit involving Wells Fargo and I'm trying to find out if I may be eligible. I purchased my home through Wells Fargo in XX/XX/XXXX. In XXXX of XXXX, I lost my job after having XXXX XXXX. I had not missed or been late on any mortgage payments and so I called Wells Fargo for a loan modification just to get me by until I found employment. THEY suggested the forbearance plan. My payments were lowered and still I never missed or was late on my payments. During that process, I kept trying for a loan modification but could not get them to approve it. Once the forbearance ended, they called in the amount I still owed. They called me every day. I continued to make payments ; however, the harassment from them would not stop. I do not remember the exact date, but I sold all the gold jewelry I had and sent them a payment of {$1500.00}. The calls kept coming and so, I believe in XXXX of XXXX ( XXXX ) I did not make a payment. By XXXX, I received a foreclosure notice. To avoid foreclosure, I did a short sale. They sold my house for XXXX  the amount I paid for it in XX/XX/XXXX. My Credit was dinged monthly from the moment the forbearance ended. When I purchased my home in XXXX my credit score was well over XXXX. Not only did they ruin my credit, I also lost my lovely little home.
Product: Credit card or prepaid card

On XX/XX/XXXX while shopping, I applied for an XXXX XXXX, entered all of my personal information and was approved and received an approval for {$3000.00} all while logged into XXXX 's site but was not provided the new account number. Additionally, the approval page stated I would receive my card in 10 days. 
Yesterday, XX/XX/XXXX, I received an email that my new XXXX XXXX card was undeliverable, that the address was incorrect, the email contained a link to call directly, which I did not use. I have been an active XXXX and XXXX customer since XXXX and only my telephone number and last name due to marriage 17 years ago have changed over the last 19. 
Something with this email just didn't look right so as Synchrony Bank underwrites the XXXX XXXX and I have other accounts with them, I called today XX/XX/XXXX at XXXX XXXX at XXXX to look into further, the system identified me with the last 4 of my SSN # and gave me the information that this eBay account had a {$300.00} available credit line, not the {$3000.00} I was shown approval for with the last 2 digits of the new account # as " XXXX ''. 
I keyed further through the prompts and spoke with a customer service requesting that as the card has not been received and due to the " bait & switch '' on the credit line to cancel the account. She advised that I entered the wrong address on the application ( huh? ) She said she could not cancel the card without more information and continue to press for it- that she needed EVERY piece of my information in order to look up my account and then close the account, birthdate, last 4 of SSN #, address and middle initial. I then advised her that I have other accounts with Synchrony, that something was VERY wrong, that I was ending the call and filing a direct complaint.