23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I began receiving bills from Experian XXXX XXXX with the merchant number XXXX CA & XXXX CA on my XXXX XXXX XXXX XXXX XXXX starting in XXXX, 2015. I did not authorize this transaction. Since I rarely use the card, I did n't notice the billings until I started to receive notices from XXXX that I had an overdue account billing. I contacted both XXXX and Experian to settle the issue. 

Experian cancelled my account which had been opened with my credit card number, but under a different name. The company did not, however, remove the balance from my credit card. XXXX in turn had cancelled my card, and issued a new one. The balance remained however, totaling {$93.00} as I file this complaint. XXXX also declined to remove this balance off my account. 

On Wednesday, XXXX XXXX at approximately XXXX EST, I contacted XXXX via telephone to settle this matter. The XXXX customer service person I spoke with eventually called Experian, and thus began a XXXX conference call. The Experian agent indeed noted that the existing balance was opened under a different name than mine, and the account had been closed, but that it was company policy to not issue a refund. The XXXX representative informed the Experian representative that the call was being recorded. This did n't sway the Experian employee, and I asked to speak to a supervisor. 

A supervisor named XXXX, ID # XXXX, confirmed what the previous representative said, that despite me being the victim of a credit card theft, they would not issue any refund of the amount that had been billed to my original XXXX credit card. Experian left the conversation, and I was transferred to another XXXX agent who specialized in fraud investigations. I was placed on hold, and the call was dropped. Since then it had been has been four business days since then, and XXXX has made no effort to contact me regarding this credit card fraud issue. 

I did not under any circumstance, authorize Experian XXXX XXXX or any of it 's subsidiaries to bill me for services. I did not need, nor do I want, any of their products. Their agents admitted as much, that the billing was made under a different name than mine, but refuse to remove this bill, citing " company policy ''. I do n't see how an obvious case of fraud can be ignored. I am also greatly disappointed in the actions of XXXX, who constantly bombarded me with emails and phone calls to remind me to pay this bill, but can not be bothered to contact me to resolve this case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI, INC is reporting a debt on my credit file that has been paid years ago. I am not sure why Afni is  recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Hard Inquiries from XXXX XXXX I am writing to seek assistance regarding the removal of XXXX hard inquiries from my credit profile. I recently reviewed my credit report and noticed these inquiries, which I believe are unjustified and potentially impacting my creditworthiness. 

First and foremost, I would like to express my appreciation for the valuable work that the Consumer Financial Protection Bureau ( CFPB ) does in safeguarding consumer rights and promoting fair practices within the financial industry. I am confident that with your guidance and expertise, we can address and resolve this matter efficiently. 

The hard inquiries in question are as follows : BANK OF AMERICA ( Bank ) XX/XX/2022 BANK OF AMERICA ( Bank ) XX/XX/2022 I am requesting the removal of these inquiries from my credit profile due to the following reasons : Lack of Authorization : I have not provided authorization to these companies to access my credit information. Therefore, these inquiries were made without my consent, and their presence on my credit report is unwarranted. 
Inaccurate Reporting : Upon careful review, I have determined that some of these inquiries have been inaccurately reported. The information provided by the companies may not be reflective of my credit-seeking behavior, and therefore, these inquiries should not be considered legitimate. 
Potential Identity Theft : Considering that I have not initiated any credit applications with the mentioned companies, these inquiries may be indicative of fraudulent activity or potential identity theft. I urge the CFPB to investigate these inquiries further to ensure the security and integrity of my credit profile.
Product: Bank account or service

Union bank reported me to XXXX and ca n't tell me why.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I sold my primary residence in XXXX XXXX, FL. The amount received from the sale was deposited in my HSBC checking account XX/XX/ 2019 I went to the HSBC Bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to initiate a wire transfer of USD {$100000.00} The wire transfer was initiated from a US dollar account at HSBC Bank to a US dollar account at XXXX XXXX in XXXX XXXX REFERENCE XXXX XXXX BUY REAL ESTATE IN XXXX FROM PROCEEDS OF A SALE OF REALESTATE IN US XXXX XXXX 2019 I was informed by XXXX XXXX XXXX that only USD {$94000.00} was received I sent by wire transfer USD {$100000.00} on XXXX XXXX 2019. I received USD {$94000.00} on XXXX XXXX 2019 The amount of USD {$5600.00} is missing I have called HSBC Bank at least 8 times over a 3 week period The following is my call log and a summary of events XXXX XXXX 2019 I called HSBC Bank. Talked to customer service, XXXX who opened investigation reference number XXXX XX/XX/2019 I called HSBC Bank. Talked to customer service Hani. Hani did not find any notes or reference enter by the XXXX, therefore we started a new investigation XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX  XXXX. XXXX could not find any logs, previous references or anything related to my issue XXXX XXXX 2019 I tried to escalate the case and talked to XXXX the Floor Manager. The Floor Manager called Wire Room Team. XXXX suggested to wait for the Wire Room Team to respond. 

XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX, Floor Manager. XXXX called the Wire department and also suggested to wait. 
Also on XX/XX/XXXX XXXX  Manager created a new complain number XXXX XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX manager of customer department. XXXX created a new case number XXXX. 
The case was submitted to the wire room department. 

XX/XX/ 2019 I called HSBC Bank. Talked to customer service XXXX XXXX XXXX could not find any logs, previous references or anything related to my issue. 

XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX id XXXX. XXXX provided no information. I asked to talk to the floor manager. Floor manager XXXX was not available. 

The wire transfer was executed 3 weeks ago. I called HSBC Bank at least 8 times as outlined above. Sometimes I have been on the phone for over an hour with no resolution. 

Something went terrible wrong. Why HSBC Bank is providing no answers. Where is my money. As of today, the amount of USD XXXX is still missing. 
HSBC Bank consistently provided no resolution to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a new car and my credit was pulled without my authorization. 
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report. 

XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX  HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XXXX XXXX XXXX XXXX
Product: Mortgage

Vajderbilt mortgage refuses to return my escrow funds of {$880.00} after home was paid off. They claim there is no escrow but i have a screen shot of my mortgage account showing all payments, escrow, taxes, my loan number and do on.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX And Experian will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX. The Honda Dealership of XXXX, FL, informed XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only XXXX hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those XXXX hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the Honda vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 

Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, Preferred Legal, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX, at The Honda Dealership on XX/XX/XXXX. Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a Honda salesman I had previously interacted with was unprofessional in our dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with Experian, Not XXXX XXXX XXXX. XXXX XXXX XXXX  is actually trying to help me with this situation. I pay for a monthly service with Experian, I like their product but .... I've been trying to dispute the status of my account with XXXX XXXX XXXX  on my credit report with Experian, they won't listen to me. I disputed the same issue with XXXX, and they just fixed it for me! Im not sure why Experian will not. Anyway ... I have a credit Card with XXXX XXXX XXXX. I closed the account on XX/XX/2020, but I received an offer to re-open the account on XX/XX/2020, and I did so. I still have an account with XXXX XXXX XXXX. Like I said, XXXX XXXX XXXX  is trying to help me resolve this. My complaint is : If my account keeps being displayed as closed, the {$300.00} credit limit that I have on the card does not get applied to my credit utilization, which affects my credit score GREATLY. The account is open, I should get credit for it. Experian will not listen to me. The account was re-opened on XX/XX/2020. All they should do is just look at my credit card statements.
Product: Checking or savings account

I have a {$1000.00} certificate of deposit at XXXX XXXX XXXX, XXXX, Fl. It is a Time Deposit automatically renewable, dated XXXX. XXXX, 2001 # XXXX. This bank is now a part of Wells Fargo. 

I sent a copy of certificate to appropriate XXXX Dept. They say they have no record and records are only kept for seven years. 

My Certificate states Automatically Renewable. It has no expiration date! I dont remember ever cashing it in. If I did, why would they let me keep the certificate?
Product: Credit card

This is regarding a concern about a business credit card application submitted XX/XX/2024, with the application number XXXX. My application was denied on false premises, and I have reached out to Truist for help in this matter. It was bought to my attention when I spoke to a representative over the phone that I mistakenly put my filing number when my TIN number was needed. The representative told me to send a letter via mail, and to send an email to XXXX in which I did. When I emailed Truist, they informed me that they could not validate my information which is weird because I gave them everything that I gave the agent over the phone who was able to validate my information. I am under the impression that the agent did not want to conduct a proper investigation to help remedy this problem. I am only now submitting this complaint after XXXX XXXX because it is obvious this has fell on deaf ears. My application was submitted to secure a business credit card for my business. My personal credit, business credit, and revenue is up to par. I am asking for reconsideration giving that this application was denied based on misinformation. Extending my business this credit would help me establish a relationship with your company. I have attached all docs for your reference including my personal credit reports, business credit report, XXXX, filing number, email correspondence, and the letter mailed which is dated and time stamped. I am asking that there is no hard pull performed being that my most recent credit report ( XXXX XXXX ) is attached. I look forward to a favorable decision from your company. Thank you for your time.
Product: Mortgage

In XX/XX/year> I had a water damage incident that I submitted a claim for through my insurance company. This claim was finalized and approved some time in XXXXXXXX XXXX 

On XX/XX/year> The insurance company verified a claim payment check was mailed to me. 

From insurance : " This is a two party check to you and your lienholder it will have to be stop paid and resent to you by mail. The lienholder we have on file is United Wholesale Mortgage. '' XXXX XXXX XXXX I received the check & sent it to the mortgage company to endorse and release XX/XX/XXXX they confirmed they received it. 
XX/XX/XXXX they confirmed they released the check to me - 7-10 business days to arrive. 

XX/XX/XXXX - the check arrives & I attempt to deposit. 
XX/XX/XXXX - the bank revokes the deposit, The mortgage company endorsed it incorrectly with the wrong kind of endorsement stamp ( per the bank ). I call them, they apologize and said they would overnight a new check once I send this one back again. I send it back. 

XX/XX/XXXX - mortgage company emails that it was approved and mailed- will take 7-10 business days again as they did not overnight it like they said on the phone XX/XX/XXXX - I call the mortgage company as it hasn't arrived. They sent it to the wrong address again. They apologize and said they will send it out overnighted to make up for it. 

XX/XX/XXXX - I call to check in, they said it was sent yesterday and will arrive in 7-10 business days- not overnighted - again. They have no tracking number for me just a check ID. I said I wanted to speak to someone to provide feedback because I'm losing money each month by discounting XXXX because they have not had a kitchen sink for 6 months now. On the phone they apologize many times. When i ask to speak to someone they don't have an answer for me and say to wait. This back and forth has caused the XXXX to be without a sink for an extra 2 months minimum. I asked if I can get compensated and she didn't directly answer me but apologized. 

I feel completely helpless and trapped as I can not choose my mortgage company at this point and I have not been able to charge a fair XXXX value for my property because the tenants are suffering due to the company 's negligence and inefficiencies.
Product: Debt collection

I am writing to formally dispute the validity of the debt associated with account number XXXX, which you have reported as a balance of {$450.00} for XXXX. I do not recognize this debt and have no contractual agreement with your company regarding this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ), I am requesting that you : 1. Provide validation of this debt, including a copy of the original contract bearing my signature and a full accounting of the debt.

2. Identify the original creditor and provide any documentation that substantiates your claim.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681i ), you are required to ensure the accuracy of the information you report to credit bureaus. Without proper validation, this debt must not be reported on my credit file, and any current reporting should be removed immediately. 

Please understand that if this debt is not validated, any continued collection efforts will be a violation of both the FDCPA and FCRA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

This matter is time-sensitive, and I request your written response within 30 days of receiving this letter. Failure to comply with my request will prompt me to pursue further actions.
Product: Credit reporting or other personal consumer reports

Why are you indicating that Wells Fargo Card Services XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached XXXX documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for Wells Fargo Card Services XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Goodwill Adjustment for missed payments To whom it may concern I have been a XXXX XXXXXXXX Auto Finance customer since XX/XX/2023 and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on an XXXX XXXX ( account # XXXX, 30 day past due payment in XXXX. I have had an exceptional payment history and have not had a single missed payment on my XXXX XXXX account since this time.Because of my otherwise exceptional payment history over the last year, I would like you to please consider removing the negative payments from my credit report. I recently experienced a temporary setback that resulted in a late payment on my auto loan account. I understand the importance of maintaining a positive payment history and regret any inconvenience or concern this may have caused.I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical credit worthiness. I assure you that this late payment was an isolated incident and not reflective of my typical financial behavior. Prior to this occurrence, I have consistently made on-time payments on my account. I am committed to maintaining a positive credit profile and take pride in managing my finances responsibly. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 

I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. 

Sincerely, XXXX XXXX