23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are many inquires on my credit report that I do not recognize. Last year I had someone open an account on my name. I think all these inquires was from that situation. Here is a list of all the inquires : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I revived my XXXX statement which advised the payment had increased to {$460.00}. I was also concerned about taxes so asked for the escrow to be re-reviewed because the massive increase did not make sense. They sent an updated escrow analysis, but no new statement or requesting an updated payment. I made my XXXX payment on time per the statement. 

I revived a letter that says it was sent on XX/XX/XXXX, but it was not received until XX/XX/XXXX via mail. The letter stated that my payment was deficient by {$190.00} and that they had not processed my payment. 

On XX/XX/20, I called to inquire about this which I was told well your payment increased because of an Escrow shortage which I advised I was confused about this because I was never requested to pay a different payment for XXXX nor did I receive a new statement which indicated a different payment for XXXX. I advised that this was unacceptable for them to request further funds when I made the payment as requested and that they never issued a new statement. Furthermore, I also received my tax appraisal on my home from the county which indicated a decrease in the value so that means my property taxes have actually gone down and not increased. The representative was stating that I just needed to pay the difference which did not make sense because there was no context or request that the payment for XXXX had increased since a new statement was never issued.
Product: Credit card

A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.
Product: Money transfer, virtual currency, or money service

I am not sure why PayPal keeps closing complaints such as complaint # XXXX that are unresolved as resolved. Not sure if they think this is to somehow just disappear. Obviously it seems CFPB has no teeth in actually addressing these issue so if you keep wasting my time I will refer this matter to an attorney for formal legal action. Stop trying to steal from me and return my money. PayPal is in fact a criminal organization. There have been several times where PayPal repeatedly tries to enable fraudulent merchants to steal from customers then it fabricates all sorts of excuses why legitimate complaints were closed unresolved. I keep hearing this nonsense from paypal that they returned a partial refund because I have used their platform for a certain amount of years. Listen, you need to stop that nonsense. And as a matter of fact, you need to refund my money in connection with the XXXX XXXX transaction and I will close out this paypal account ASAP. I dont need it. I dont need to use paypal. you are doing no one a favor. Refund my money and close out that account. Stop stealing from me. I will not tolerate this. A CFPB complaint was filed where in your response you simply rambled about when this account what opened and what cards was used to fund the account as if that has anything to do with the fact that on numerous occasions now, PayPal keep trying to steal from me and close cases that are unresolved. No I do no agree with your lame policy. Refund my money and I will close out that account. Go rob someone else.
Product: Payday loan, title loan, or personal loan

CFPB Please Read my Entire Complaint. 

I received the following response from Lendmark stating that they do not have to adhere to Federal law regarding loans they provide.

To Whom It May Concern : I have reviewed the complaint brought forth and offer the following explanation. The rescission notice that XXXX XXXX references does not apply to her personal installment loan. All of our loans are made in accordance with the lending laws of the state of Virginia. It is XXXX XXXX 's responsibility to make her contractual monthly payment on time. Currently her account is delinquent, she may contact her local branch to make payment arrangements. I trust this resolves the complaint brought forth if you have any further questions, please do not hesitate to contact me. Sincerely, XXXX XXXX, XXXX XXXX XXXX However, CFPB has clearly noted that lenders of this category in fact HAVE to comply with US Federal Laws. As such, Lendmark failed to provide me with the right to rescind contract which should be included in any consumer credit transaction.
Product: Debt collection

Im requesting information on the ORIGINAL COMPANY or whoever the debt collection company is working on behalf of so I can get more information about this debt. After calling they would only tell me the name alternative rental car which Ive never used. CFPB can not find them in their database either and has forwarded my complaint to them to the FTC. I tried to settle a debt that I do not know about because its hurting me credit wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXXXXXX 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

about a year ago I received a phone call saying that this was a collection company and they had bought the debt from XXXX XXXX they claimed that owed XXXX $ and that both them and XXXX XXXX have sent me information on the account< the account was not mine< it was in regards to a XXXX credit card my name for a company called XXXX XXXX, a company that i never heard of a company i never worked for a company i never owned. and after checking all 50 states data bases does not exist> i gave Portfolio Recovery my address and asked for all information application. charges payments bills they sent me 2 statements and nothing else I wrote them several letters of dispute both electronically and via mail> again i never received any information requested just to same two states which proved nothing<finially after a year i got them to send me a dispute package of papers to fill out< I filled it out sent a copy of my lease showing where i have lived for the last 7 years< copy of of proof i was working for during the periods the account was opened in 2015> I never received any response but they finial sent me again the same two statements but admitted on their billing account in Dispute. they kept on calling and harassing me and reported me to credit bureaus illegally> a few years ago i filed a report with the XXXX police depart regarding identity theft< they and XXXX XXXX has both put this item on the credit reports both> this is all illegal as to the fair credit act
Product: Credit reporting or other personal consumer reports

Amg fin ga 12/09/2024
1st Franklin Financi 12/09/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a balance due of {$8800.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 


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 or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

This account " XXXX XXXX XXXX XXXXXXXX '' should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow XXXX XXXX delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The accounts are noted below : XXXX XXXX- XXXX XXXX XXXX - XXXX If these accounts were requested to be removed by the creditor from the other credit bureaus they should have been deleted from Experian as well I spoke with the company and they confirmed that they sent the deletion request to Experian but nothing was done!! these accounts need to be removed ASAP!! The next account is the company XXXX XXXX   XXXX is reporting on my credit i have advised multiple times that the account was open fraudulently using my information but yet they keep saying it has been verified OF COURSE THE NAME AND DOB & SSN IS GOING TO MATCH IF THE ACCOUNT WAS OPENED FRAUDULENTLY USING MY INFORMATION!!! I even attached an email from them saying that the account is not mine and they will be removing it. but yet it is still on my credit report. Experian is not doing their due diligence to look into the account & remove it. I have done everything i needed to do to report this account as fraud the moment it popped up on my credit report. The next account is XXXX XXXX/XXXX XXXX XXXX this company did not validate the debt and confirmed to delete the account but has not been done. Also XXXX/ XXXX XXXX XXXX is not reporting correct information and needs to be deleted to reflect my true credit report! The next account is XXXX XXXX XXXX the account does not belong to me. I have disputed with the company directly and they confirmed to delete the account and it has not been done with experian. The other account XXXX XXXX XXXX was open fraudulently and i did not authorize the account to be opened. Lastly the names that are reporting on my credit report are inaccurate XXXX XXXX name id # XXXX XXXX XXXX name id # XXXX. These accounts needs to be deleted as experian is not showing my true credit report with reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted - out from receiving offers, the sale/resale and the suppression of any information pertaining to me.
Product: Credit reporting or other personal consumer reports

they have gone to far out all the evidence that i have sent in of Fraud and their violating of me i have nothing else to say. this has become a legal matter civil and criminal. the lawyer 's will handle this. Experian has every piece of documentation, they probly did not bother to print them out.most likely ignored. I did stated that this person has done this before and got away with it but not this time they ( experian worker )
Product: Credit reporting or other personal consumer reports

I discovered Experian had been charging me {$16.00} monthly and I do not know why. I could not find a login/password related to whatever this was. So I called the number listed on my credit card statement ( XXXX ) to find out what it was for and cancel it and the robot would not direct me to a real person. After I entered my SSN, they asked for more info and did not allow enough time for me to respond before saying they couldn't verify me and then hung up on me. I went through this several times using several different phone numbers for Experian found through a XXXX search ( XXXX, XXXX ). Eventually, I complained to my credit card, and the only option I had was to say someone else used my credit card to sign up for Experian. I am now out that credit card until they send me a new one. There was no way for me to get through to Experian to discuss this.
Product: Checking or savings account

This bank has charged an excessive of fees and is rearranging the order of charges to charge more fees. I made a despoit that is being held 3 days just in time for another {$12.00} fee to be charged and enough time that if I leave the account overdrawn I will continue to be charged {$12.00} despite initially depositing to cover the either overage. this is now the second time the bank has done this. Additonally if you make any other request through email or chat you are told to call the phone number who then told you the branch decides everything. You get notification days after the initial issue despite having alerts for it. the alerts can ONLY be viewed when you log on via a computer can nor be accessed through the app at all. was charged an overdraft before a transaction even posted and then charged another after the fact.
Product: Debt collection

Received a letter from Oliphant USA LLC stating debt was owed. called Oliphant and spoke to representative and advised that the debt was not valid. Rep stated that she would note the account and send back to original credit XXXX XXXX XXXX Never happened, I called XXXX XXXX after the account was put on my credit and they stated that the company no longer had the account is was sold when they purchased XXXX. However the representative advised me that they were collecting on behalf of XXXX XXXX. When the account was added to my credit report, I contacted Oliphant and was advised that they did not know anything about the account anymore due to my file being collected on by the sister company XXXX and XXXX. Called XXXX and XXXX and spoke to rep and advised that I never received a letter to dispute the debt, and the debt was being disputed by Oliphant. RepXXXX stated nothing in file about a dispute and that he could send me a letter out regarding the validity of the debt. The account had been put on my credit report before I could dispute the debt. Oliphant is the collection agency that reported the account, however XXXX and XXXX is attempting to collect on a invalid debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I requested a virtual card for {$450.00} from Affirm Financial. The request was approved. I used the card to purchase a mobile phone from XXXX XXXX online on that date. The phone was shipped to me from XXXX XXXX but when I tried to activate it, I received the message " unable to activate ''. I called XXXX XXXX customer service and was told the phone had been flagged as stolen and and could not be activated. I was told I could either return it for a refund or have a new phone shipped. I opted for a refund. XXXX provided a return label and I shipped the phone back on XX/XX/2021. Tracking shows it was received on XX/XX/2021. 

I contacted Affirm Financial, explained the situation by opening a dispute. I provided all available documentation I have. As near as I can determine, XXXX XXXX has not issued a refund as they have provided no further contact. Affirm Financial representative responded to my dispute against XXXX saying it would take 90 days to review all documents. Today my account shows " PENDING, PROCESSING DISPUTE '' and no other details. 

After nearly 2 months, I still do not have this simple transaction to purchase a new phone resolved. Both XXXX XXXX and Affirm Financial have not demonstrated any attempt to expedite this matter. If I had known Affirm would slow walk any issues with their virtual card, I never would have utilized it.
Product: Student loan

I currently have a Navient student loan. I was given a new payment plan of XXXX $ per month that did not apply to principle at all. It actually increased XXXX $ per month. I called Navient and was dismissed. This is fraudulent practice to bait people by lowering their monthly but never paying down on the loan. I will be looking for other options.
Product: Bank account or service

HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ). 
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).
Product: Debt collection

I keep having this collection come up on my report - I have disputed this many times from many different creditors and this same debt keeps coming back onto my account without notice. When I try to dispute this in written form ( 3 times ) I do not receive anything in return - just pop back up from a different creditor. I do not own this debt and I need it off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}