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

Our family was impacted by COVID-19 and forbearance was requested on our mortgage and auto loans and agreed to by our loan servicers. We did not miss any payments and all loans shows in good standing and paid as agreed. Despite this, XXXX  and XXXX  immediately dropped my credit score substantially while XXXX did not. This appears related to reporting by Bank of America on our auto loan. I submitted a dispute with XXXX  on XX/XX/20, but this did not appear to resolve it per the dispute outcome notification I received on XX/XX/20. My understanding of federal legislation from the CARES act was that requesting and receiving forbearance during this time would not result in negative credit reporting. As our situation has improved, we no longer need forbearance and are resuming normal payments. Our family will soon be looking at refinance options for our home and the drop in credit score impacts our options as well as rates available to us. I don't believe my credit score should have been negatively impacted by this.
Product: Credit reporting or other personal consumer reports

I submitted a letter to dispute some accounts that are having an adverse effect on my credit. I was informed that my dispute request via mail was disregarded due to suspected unauthorized activity. I submitted these letters with the most up-to-date utility bill along with a copy of my license. My dispute has been mishandled without a proper investigation into the issue and it is prolonging the damage on my credit report. I have the return receipts as well as I had sent them via certified mail. It is apparent that the investigations were not conducted due to unreasonable suspicion despite the documentation that I had provided. I will include the letters I sent along with the signed receipts.
Product: Consumer Loan

I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.
Product: Credit card

Chase closed my credit card account and refused to reopen it. I requested annual fee refund which I had already paid and had {$0.00} balance with them. Per CFPB case # XXXX, chase agreed to refund the annual fee. However, instead of refunding the fee Chase charged me again and posted balance on the credit reports.
Product: Vehicle loan or lease

In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. 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. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Date of inquiry XX/XX/year>
Product: Checking or savings account

I am submitting my complaint to HSBC USA in lieu of an account  closure letter I received from them dated XX/XX/2020 without indicating the reason for such act. I have been a customer of this bank for 3 months and opened the account at the branch in XXXX XXXX  XXXX on XX/XX/2020. I believe my account was in good standing ever since with no record of any illegal or fraudulent activity. Firstly, I felt such initiative was absurd and unbelievable. I have read stories on the Internet about people who experienced this action from the bank ( HSBC USA ) without any explanation of why such account is to be closed. May it be personal and business accounts, they close accounts randomly without informing the actual reason. Secondly, numerous former customers of this bank shared their anger and frustration as to why their accounts were closed by this bank on an online forum. The action taken by HSBC USA is very inequitable and  vague. I opened the account at the branch to build a financial relationship with them and in good faith. However, all is lost for good is what I get. I am requesting that the bank will reinstate my accounts as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a domestic wire transfer of {$70000.00} to Binance US. Binance has restricted my account. I have requested a wire transfer recall from XXXX. XXXX has notified Binance of the wire transfer recall to my XXXX checking account ending in XXXX. Binance is not cooperating and is not returning my funds. My {$70000.00} in funds are being held by Binance with no reason. I only want my funds returned to me immediately. Here is the information for the wire transfer to Binance US. 
XXXX XXXX XXXX XXXX XXXX XXXX BAM 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: Mortgage

In XX/XX/XXXX of 2021 the financial Company that we have had borrowed cash on the equity portion the contract ended, they did not renew, they did not accept additional payment since we have sold the house and we informed them that we are selling the house and due to Covid-19 Many as us facing delays from appraisal, evaluators, buyers, Mortgage company etc., we have again on many occasions informed them we are facing delays to close, they were charging fees late payment which we did not have any payments since they did not renewed and we informed the Tittle we are awai9ting from the financial institution on escalated fees final payoff do not pay the XXXX in charges in a month or so, the financial company delayed the escalation and revised amount, m title company paid without approval on the amount and revised and or negotiations, now between 2 months we have paid payments and fees and interest close to {$31000.00}, they totally ignore us and do not reply, please need your help
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and notice some inquiries I don't recognise. I'm really anxious because I believe I've been a victim of fraud. This whole situation has been incredibly stressful, and it's preventing me from accessing the credit I urgently need. I'm truly overwhelmed and don't know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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 XXXXXX/XX/XXXX
Product: Debt collection

Today my wife received a call from a man " XXXX '' on what he said was a recorded line. He called her at her job. He stated to her that he was calling in regards to a debt I owed of {$7000.00}. When she proceeded to tell him that she would let me know that he called and I would call him back he stated to her " that she was just as responsible for this loan since I am his wife '' she again repeated to him that she would give me the message and please not call her again at work and he said " I can call you where ever I want '' " why wont you talk to me about his debt '' " you need to resolve this debt '' " you live in a state where you are just as responsible '' when she said I don't know about this he said " yes you do '' He then proceeded to tell her " I have already contacted our landlord and I am aware of the assets you own in our home and that I have pictures of our 2 black cars in the driveway ''. He stated that if she does not speak to him about this debit he would be coming next week to seize our assets and that would include both cars, any jewelry she owned and TVs and furniture and also our payroll. She began to tell him that we still had loans on our cars and he said " no you don't, you own a XXXX XXXX its not worth that much and what did you do take out a 20 year loan? '' I few months ago he called threatening the same thing,. now the only difference is today that he stated he has taken pictures of our cars in the driveway. We have asked him to send us documents of this alleged debt in the mail on prior conversations but his response is " i am not going to do that because all you will do is state it was lost in the mail '' This is very threatening to my family and I don't accept the fact that we are being harassed and threatened and feel that a man is showing up at my home where my family sleeps taking pictures of my cars and him stating he will coming inside to take my assets. Another big concern for me is that he calls my wife and begins to give her all details of this alleged loan. The last time she spoke with him she stated to him that why was he giving details on a loan that was not even hers and he stated because it was owed debt he could give out information to anyone he called to try and collect. Does this mean he is giving the information to my landlord when he calls his to " find out about what assets i might have in the home ''?
Product: Debt collection

The original creditor was XXXX XXXX, the debt had been disputed several times to XXXX as a fraudulent account and never resolved. XXXX wrote off the debt and it was purchased by a debt purchasing company. I was never contacted about the debt but it appeared on my credit reports. I have continuously disputed this account and it has not been removed. In XXXX I contacted XXXX directly, they sent a request to the credit bureaus to remove the debt because it did not belong to me but because it is being reported by this debt purchasing company it has not been removed. I called Pinnacle the company reporting this debt and was informed they are not managing the account another company XXXX XXXX has acquired the account, but Pinnacle continues to report it to the credit bureaus. When I contacted Pinnacle directly they told me to contact XXXX. When I contacted XXXX they were rude and refused to give me any information or send me any information. I have continuously contacted all XXXX credit bureaus over and over again disputing this record and it still has not been removed or resolved.
Product: Student loan

A payment was submitted to the loan servicer in XX/XX/2023 in the amount of {$170.00}. The loan was transferred from Great Lakes to Nelnet. In XXXX, XXXX, and XX/XX/2023 I contacted Nelnet asking for the credit of the XX/XX/2023 payment ( which of course impacts principal/interest allocation- this payment should have gone 100 % to principal due to Covid deferment ). Of course in XXXX when student loan payments resumed, this missing XXXX payment impacted the distribution of payment. On XX/XX/2023, during a phone call with Nelnet, the representative acknowledged that Nelnet had the money in a holding account and just has not had not yet credited account. It has been six months that this payment has not been credited to the debt.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Student loan

President Biden has canceled student loan debts worth {$3.00} XXXX. And this cancelation includes the {$500.00} XXXX of XXXX XXXX student loan forgiveness. 
I am a former student and attended the college from XXXX.
Product: Credit card or prepaid card

hello CFPB rep, i was in XXXX when all this happened, on XXXX XXXX my husband payed a XXXX dollars deposit on wells fargo reflect credit card for a set of wheels from XXXX XXXX and provided specifications of the wheels and the measurements, 5 days later the company contacted my husband and I returned to the US on the XXXX XXXX XXXX so my husband and our son went with the car to install the rims on the car. he ended up providing the merchant another wells fargo bilt credit card for the same purchase and the amount was charged was {$1000.00} + the previous {$500.00} deposit + {$1000.00} in cash. This is all one purchase for a set of 4 wheels to be installed and mounted on the car. The merchant insisted on collecting the money upfront before they started on any work. my wife was never there, the merchant lied to wells fargo in most of their statement that my wife placed the order on XX/XX/XXXXXXXX XXXX XXXX  my wife was in XXXX at that time. then the merchant stated with another lie that she was in their store to pay the difference of {$1000.00} but the transaction with wells fargo shows its keyed in instead of swiped. Why would the merchant key in and not swipe the card if my wife is present? The first dispute I created about the {$500.00} sometimes in late XX/XX/XXXX this is about wrong sizes and specifications on a set of wheels according to wells fargo the merchant never gave them sufficient proof to back up their case so they lost the first dispute and it was to our favor. Meanwhile in XXXX I opened another dispute about the {$1000.00} for the same reason because its all in one purchase. for some reason wells fargo threw my case in the mud for 2 months until I found out I called them back again in XX/XX/XXXX, reopened the case, meanwhile wells fargo gave me a legit reason as to why they closed my case, neither did they ask me to submit to them any documentation to support my case, as we know they already have all the documentation when I filed the first dispute of the {$500.00}, so from XXXX XXXX all the way until XXXX they gave the merchant time to formulate a fake response for their case and recently 15 days ago wells fargo post back the money onto my account, and now wells fargo decision is completely unreasonable because I have spoken to an escalation manager by the name of XXXX on XX/XX/XXXX, and she agreed that if the first dispute of XXXX XXXX  was clearly to my favor then I should not be losing the second dispute as they both are related to the same purchase. But wells fargo is trying to blame visa and XXXX for this wrongdoing instead of providing visa and XXXX the same evidence that worked to my favor in the previous dispute and the second.
Product: Credit reporting or other personal consumer reports

I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. Account Details : XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : XXXX. Please delete this account immediately.
Product: Debt collection

I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/2019 I sent letters to XXXX asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter that debt is valid and attaching a copy of a single bill. XXXX is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request XXXX  remove to remove the account inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future. The document you sent me is not bill, do not have my signature on it.
Product: Checking or savings account

It was many times when I saw an amount taken from my card, transaction completed, and funds no more available, time passed and I saw the amount was low, I call Citibank, said " you stole my money again '', next they put some money back, said " We return insufficient funds '', and this looks nonsense, if its returned funds, why the bank return the same amount? recently it was XXXX $ paid through XXXX to XXXX. Next, I brought the check, XXXX $ deposit, and the banker said your balance is XXXX XXXX I said " ok '', but wondered how it happened, after the deposit check, I purchased for about XXXX XXXX the same day I cancelled the purchase on XXXX and XXXX said they refunded it all. When my deposit became available, it was less than I expected. Calling the bank they said all money refunded from XXXX, goes to cover my negative balance on the card, and this person said my negative balance was XXXX XXXX I said that after depositing a {$2500.00} check, I deposited XXXX and XXXX cash, and I spent less amount, and the banker told me it was XXXX $ negative balance, so I thought my money was stolen and I demanded a complete audit of all transactions. That person did not answer anything, and the next attempts to call their fraud line were unsuccessful. Emails to Citibank have no answer as well. Such a situation is far from the first time, once they stole XXXX XXXX i called there and they said they found my XXXX XXXX but I had no idea what this XXXX $ was, they said " sorry, it was a wrong charge '', but it was a couple years ago. Once I installed my card and machine said " Your negative balance is XXXX '', I have this screenshot somewhere, can find it later. The next day they said " The bank is not responsible for how ATM is working '', this is true story, as it happened a few years ago, I can confirm under Oath it really happened and that time I thought its just an occasional mistake, but more I use Citibank, more such a " mistakes '' marked me sure " Citibank '' intentionally use backdating and so called " mistakes '' for the reason of stole the client 's money.
Product: Student loan

XXXX XXXX XXXX issued a student loan refund to my student Visa card and never informed me of it. The company was then bought out by Nelnet and a check was issued out. I never received the refund. Nelnet is requiring me to pay back a loan that I did not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my XXXX  secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay XXXX XXXX secured loans and XXXX Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.