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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of remaining items in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service representative. 
I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Product: Debt collection

I just noticed this week that I had an account in collections. It shows this account was sent to collections 2 years ago and I was never notified. I never knew I even had a payment due. I did not receive any phone calls, emails, or letters in the mail. I want this charge removed.
Product: Credit reporting or other personal consumer reports

I have paid off 3 or more debts on my account and my score never changed My credit card with apple was paid off and they took {$1500.00} from my card, I paid off a vehicle and my credit didn't change and all my student loans was paid off see and nothing change I just see my score decreasing and I'm confused.
Product: Vehicle loan or lease

On XX/XX/XXXX I was charged a late fee in the amount of {$23.00} that was paid with XX/XX/XXXX 's payment on XX/XX/XXXX totaling {$480.00}. Since the payment was paid, I have asked XXXX to properly apply the late fee payment ( going on 6 months now ) and every time I am given a different answer as to why it hasn't been applied or how long the process will take to have it applied correctly. I set up automated payments starting XX/XX/XXXX ( which the XXXX is my due date ) and on XX/XX/XXXX I called in and made a principal only payment for {$500.00}. The payment was applied as a regularly monthly payment for XX/XX/XXXX ( even though I had my automated payment set up to go through on XX/XX/XXXX ). I made it very clear this was a principal only payment and regularly checked my online account to see if it had applied as requested. Approximately 5 phone calls later did the {$500.00} principal only payment get applied correctly ( not until XX/XX/XXXX - 15 days later ) and the late fee is now back on my account as of XX/XX/XXXX when it was paid on XX/XX/XXXX!! 

I am done calling this company and spending at least 15 minutes on the phone to have payments applied correctly. When I call in and ask why the payments aren't applied correctly I am told the " system doesn't recognize late fees and it has to be processed manually '' but there is no guarantee it will get adjusted and can't be told a timeframe. I'm sorry, but as a LOAN SERVICING company XXXX   should be equipped with the technology to PROPERLY apply payments in a reasonable timeframe - again my late fee issue is from XX/XX/XXXX it's now XX/XX/XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX XXXX Balance : -
Product: Mortgage

On XX/XX/2020 I spoke with XXXX taking down all my information to apply for a home equity loan through this company. Since then I have not received contact from the company despite me calling numerous times and leaving messages. I even told XXXX that I didn't want my credit ran at that time due to being unsure about the company. Now my information is in their system and they have run my credit. I believe this company is a scam since they will not return phone calls.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

The information on this account is not mine and i have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am filing a complaint against HSBC for failing to fulfill a promotional offer related to their Premier checking and Premier Relationship Savings accounts. 
I was informed by HSBC that I would qualify for the promotion as long as I applied on or before XX/XX/year>. Based on this information, I applied for an HSBC Premier checking account and an HSBC Premier Relationship Savings account on XX/XX/XXXX and XX/XX/year>, respectively. My accounts were opened on XX/XX/year>, and I promptly funded them as required by the promotion. 
Despite meeting all the promotional requirements, I have not received the promised {$1500.00} cash bonus. I have contacted HSBC multiple times and received conflicting responses. I was told that more time was needed to process my payment, and on another occasion, I was informed that I was not qualified because my accounts were opened after the XX/XX/XXXX deadline. 
These conflicting explanations are both confusing and frustrating, especially since I complied with all the terms and conditions of the promotion. I believe that HSBC has failed to honor their commitment, and I request your organization 's assistance in resolving this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that HSBC fulfills their promotional promise. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I performed services for the banks customer. The contract was signed by the bank and there account holder. I was inform both in writing and verbally that upon completion of each section of the the job I would receive payment. 
I have completed 98 % percent of the job and I have not received payment despite constant promises of payment. But the customer and myself have signed releases and still the bank hasnt paid and is unwilling to pay. 
I have been told that payment was sent but when I check the tracking number provided by the bank for the payment it indicates that the payment wasnt sent.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes w
hich 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately PERSONAL INFORMATION 1. XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
3. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING 1. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
2. 1. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
3. XXXX  XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
4. XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
5. XXXX  XXXX, Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
6. XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
7. XXXX XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
8. XXXX XXXX XXXX, Account # XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 

INQUIRIES 1XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
3. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
2. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy 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 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: Money transfer, virtual currency, or money service

Description of complaint : On XX/XX/XXXX, I initiated a transfer ( remittance ) with this company, whose " promised delivery '' time frame was 30 minutes. This remittance was from my XXXX based account to my own account in XXXX. As soon as I clicked send, that changed and it said there was a " delay, but they were doing everything they could to finalize the transaction in the next 4 hours ''. By XX/XX/XXXX at XXXX XXXX, the transfer still wasn't complete, so I reached out via chat and was told there was a hold up with the bank in XXXX due to system updates but " no worries, it would be completed today ''. I let them know this was causing me financial stress, I had to make payments and would be charged late fees, but I kept getting the same copy/pasted responses from different reps saying " they'd take ownership and fix it '' but the money wasn't in my account. On XX/XX/XXXX I was even told that XXXX was " undergoing system maintenance and so, their system was down ''. I called XXXX- they denied this and said it was false, they had been receiving remittances and domestic and international transfers and that there was no incoming transfer into my account. 
Needless to say, I was XXXX. I contacted them again, asked to speak with a supervisor, asked for a refund and STILL kept getting the same copy/pasted replies to just be patient - and the last rep XXXX was the worst of all, kept giving me the same copy/pasted responses, kept me in chat for over an hour when I repeatedly told him I just wanted my money back and if he couldn't do that, to transfer me to speak with a supervisor or someone who could, and he just kept repeating that a supervisor would tell me the same thing, when I wouldn't budge and told him I knew it was all lies, he finally told me the thing was all he could do was send an email to ask about the transaction because due to time zone differences there was no supervisor even there. They won't even give me my money back, they won't send it. I need help.
Product: Credit reporting

XXXX has a derogatory mark on my credit stating that I owe them money from when I disconnected service from a home in XXXX. When I moved into my new home in XXXX we got service from XXXX. We paid the outstanding balance to get service started. They never updated my credit bureau to show that it was paid. As a matter of fact they state that it was never paid. That is impossible cause their own policy is that they can not start service with customers that owe them money until the outstanding balance is paid.
Product: Credit reporting

I am writing to let you know that Equifax is violating the Fair Credit Reporting Act because they have failed to remove an item on my credit report that is in dispute. I previously disputed a collection with XXXX, account number XXXX because I was n't sure what the account was for. Equifax was the only credit bureau to verify it, as XXXX and XXXX deleted it. But I did n't have time to file another dispute because I am in the process of getting a mortgage and the statement of this item being in dispute needed to be removed. I am not sure why Equifax removed the statement of being in dispute on XXXX other accounts, but not this XXXX. I even called in and they gave me confirmation number XXXX and to call XXXX XXXX XXXX XXXX to check on status. Now when I checked my credit report, the statement of dispute is still on there.
Product: Checking or savings account

There were charges made on my checking account that I disputed and the company never showed me proof these transactions were mine and they made me pay for them each time
Product: Mortgage

Network Capital is calling me daily from different numbers. These are unsolicited and unwarranted calls. They do not leave a message. They do not stop calling even after told to stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied collection group is showing a collection account on my credit report in spite of the fact that this account was not due until XXXX of 2020 and was paid in full, XXXX of 2020
Product: Credit card or prepaid card

I have spoken with over 6 agents in the last few weeks after I was told to call back after my payment post before my late fees can be waived due to emergency XXXX and recovery that took place in my life over the last 10-12 weeks ; I am the sole owner of my account and no one knew my bills or due dates nor was I prepared for my extended hospital stay or XXXX there was absolutely no time to prepare I was promised my fees to waive off both accounts and only received fees waived off my XXXX XXXX but not on my XXXX ending with XXXX I am a long time consumer and would like cap 1 to honor what I was promised now when I call back I am told there is no offer on my account I have no clue what cap 1 reps are talking about and I have no control over how the reps note the account I know what I was told and to further prove my comments it was done on 1 account but not both - I do not need this extra stress after being a customer for nearly a decade if not longer I should not have to file a complaint to resolve an issue but I am tired of calling being transferred all over the place and spending more than 45 mins on each call without a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX {$980.00}
Product: Vehicle loan or lease

My last payment made to my XXXX XXXX XXXX XXXX XXXX GM Financial was in XX/XX/XXXX. I had recently had financial loss due to my job closing down. I told them that in XXXX and was told that I would have make another 2 payments in order for them to give me a deferment or to give me a chance to come up with something. Because they gave me such a hard time, I couldn't come up with the full payments. Even on their website, if I tried to make partial payments, it wouldn't let me login because I was 2 months behind. I just wanted to make some kind of payment because I knew that I couldn't make the whole payment. 
I received a letter by mail and email in XX/XX/XXXX, stating that I had to pay the full balance of loan by XXXX or my car would still be up for repossession and charge-off on my account and I wouldn't. be able to make another payment. 
This was totally unfair because they had it designed where I couldn't even make just any type of payments. It had to be a full month payment or whatever I was behind on. 
In the end of XX/XX/XXXX or the. beginning of XX/XX/XXXX, I received a phone call from GM Financial asking about payments. I told the lady that I received a letter stating that I had to pay the full balance or they would charged my car off and that they'd already charged it off. She lied and said they didn't. I told her that they did and hung up the phone. 
They didn't really try to work with me on payments and charged it off on my account and put it on my credit in XXXX. That's so unfair. Now I'm having difficulties with my credit score and purchases.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report related to my account with XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ). My account information is inconsistently reported across different credit bureaus, and I am seeking your assistance in resolving this matter. 
Account Information : Account Number : XXXX Account Type : Installment Account / Secured Loan Credit Reporting Agencies Involved : TransUnion, Experian, Equifax Details of the Complaint : 1. Inconsistent Reporting Across Bureaus : The reported balance for my account is {$1000.00} with TransUnion and {$1000.00} with Experian. This discrepancy in balance reporting is misleading and violates the requirement for accuracy in credit reporting. 
2. Different Payment Terms : TransUnion reports the payment frequency as " monthly, '' while Equifax states it is " weekly. '' This inconsistency misrepresents my actual payment obligations and could confuse potential creditors.

3. Lack of Clarity on Account Type : The account is classified as an " installment account '' by TransUnion and Equifax, but as a " secured loan '' by Experian. This inconsistency can mislead creditors regarding the nature of the account. 
4. Potentially Misleading Comments : While the comments indicate " Paid or paying as agreed '' with TransUnion and " Pays account as agreed '' with Equifax, the discrepancies in reporting raise concerns about the accuracy of this statement. 
XXXX. Date Last Active Error : The date last active is reported as " XX/XX/year> '' with Experian, which is a future date. This clerical error is misleading and violates the FCRA 's requirement for accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to process my dispute under the guise of sending inconsequential response letters. Transunion initially asserted that I was working with a XXXX party and they were unable to verify my identity and/or given permission. I responded with a CFPB complaint, verifying that I indeed submitted the dispute. As a result, Transunion is now saying that they can't process my dispute because they're not sure what I'm disputing. 

XX/XX/XXXX : Attached is the original dispute mailed to Transunion on XX/XX/XXXX- tracking number XXXX. This includes a letter that explained the premise of the dispute, requested verification and method of verification beyond E-Oscar, and supporting documents to show that their counter-part removed the trade due to inaccurate information, statements that show fluctuating balances, and so forth XXXX XXXX I have responded to both Transunion letters and they are also attached. There is not a plausible reason as to why Transunion is continuing to with this ruse. 

This is a last attempt, otherwise I will begin to select attorney and initiate arbitration for blatant violation of consumer rights.