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

This is a complaint against timeshare XXXX XXXX XXXX - XXXXXXXX XXXX XXXX. The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.
Product: Debt collection

This debt was paid by my insurance provider, XXXX XXXX XXXX and the XXXX XXXX XXXX. that I qualified for XXXX treatment.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX ) XXXX XXXX XXXXDisputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations )
Product: Checking or savings account

XX/XX/2021 I attempted to disburse weekly allowance funds to the beneficiary from our XXXX XXXX Rep/Payee account. The attempt was declined on several occasion until I decided to call my local banking branch to inquire about our attempts being unsuccessful. 

A banking rep did a further investigation to why this error was happening and indicated the account was placed on restriction. I asked why and he said he would have to call to find out. 

Bank rep called me back the same day and stated the account has been placed on restriction and placed for closure because the beneficiary who had a personal account with Chase Bank had an outburst at a local branch in XXXX XXXX IL. 

I asked why would that negatively impact the XXXX XXXX XXXX XXXX account and he stated it was because the beneficiary name was attached to the account and any account with his name attached would be closed. 

I pleaded with the rep to reconsider or to allow me to send a letter to ask for leniency because the Beneficiary attached to the XXXX XXXX XXXX payee account we established has an array of XXXX  XXXX which would have explained the outburst that took place at the Chase Bank branch in XXXX, IL. 

XX/XX/2021 XXXX XXXX XXXX XXXX wrote a letter of inquiry about the Account Restrictions and Account Closure. I attempted to send via the security message system with the Chase Online banking platform, however that option wasn't available because of the Account restriction placed on the account. 

I emailed my Chase Bank Rep and attached the letter an asked that they send it to the appropriate department for review. 

Just waiting on the response
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

they will not update my score please make them fix it : FCRA violations : see attachments for Major Violations continued by this company EXP
Product: Checking or savings account

HSBC is holding my money and keeping my account open against my wishes. On XX/XX/2020 I wrote to HSBC requesting they close my account and send me the remaining balance. That letter is attached for your reference. HSBC ignored my written request. I can not withdraw the remaining funds via ATM because the balance is less than {$20.00}, and HSBC 's ATM only dispenses cash in multiples of {$20.00}. I can not go into a branch for pandemic-related reasons. I really need that cash, and am tired of HSBC 's intentional delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

We opened an account with Greensky to finance a home project. I set up my online account and added in my bank info for auto pay. I paid the first payment XX/XX/XXXX manually. Autopay was supposed to start XX/XX/XXXX. It attempted to pull the payment from my bank and then reversed it ( I did not know this ). My next statement ( XX/XX/XXXX ) stated that there was a payment due. I went online and checked and it said it was paid up to date. I assumed that it was a timing issue with bank transfer and due date. I get my next statement XX/XX/XXXX and it says I have a payment due AGAIN. This time I called the company ( this was end of XXXX, XXXX ), and at that point found out that the autopay wasn't going through ( error in their site ). They told me I needed to delete my banking info and put it back in, which I did, and added a second bank account as well. However, the account had gone 30 days late, 5 days prior to me doing this, and therefore a XXXX mark on my credit. The company said they called my cell ( but told me they didn't leave a message ) to let me know there was a problem. What is the point of contacting the consumer if you aren't going to actually make contact? They did email me, but their email had gone into spam. My personal email gets a LOT of junk, and I didn't see it. My credit was perfect before this. It dropped from XXXX to XXXX because of this company. This was not my fault, I take my credit health very seriously, and have worked very hard to keep my credit in excellent status. Greensky was not willing to help me, nor take any responsibility for the technical errors with the autopay. This has destroyed my credit. We are in the process of building a home and this is a real problem. I just want it removed and my credit restored back to what it was. I NEVER pay anything late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, SUNTRUST PULLED W/O SIGNATURES.
Product: Debt collection

Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that XXXX was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left 2 voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay for XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..
Product: Debt collection

As I was going through my battle with XXXX XXXX. XXXX was involved in the process without my knowledge through my medical provider. Since then this has been turned over to collections and now lies with a law firm XXXX and XXXX. XXXX # XXXX. Since their acquiring my account I have Received over XXXX legal threatening phone calls and voice mails of which I kept records. Letters threatening legal actions and account freeze, income garnishments, etc. 
I have a copy of my credit report that I personally obtained and the " Original Ceditor is C.S.I. XXXX and the collection agency is National Credit Systems. 
Due to my illness, I am currently on XXXX. income and have XXXX insurance with complete coverage of all medical bills. On numerous occasions, I attempted to pass this information on to National Credit Systems they refuse to take record of this info. and my every attempt to contact XXXX and XXXX. has been met with contempt and threats to pay in full or they will proceed. 
My XXXX insurance has been effective since XX/XX/XXXX and I wish to resolve this matter A.S.A.P. so my Credit Report can return to its deserved position. 
Respectfully, XXXX
Product: Debt collection

I owed Conns {$1600.00}. The account went into collections and was serviced by XXXX. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement on XXXX19. It stated it would take 30 days for my credit report to reflect it. Well Conn 's is now reporting on my credit report that I now owe {$330.00}. 
So I called XXXX. They stated they submitted that they payment agreement was paid in full to Conns and that I need to contact Conns. I called Conns and spoke with XXXX, # XXXX. She said that I paid XXXX, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with XXXX, not Conns. So I still have a balance due with them. XXXX was acting on Conns behalf in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

When logging into XXXX, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXSANTANDER CONSUMER USAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I realized there was a debt on my credit from XXXX. I have never had a phone with XXXX or any services with XXXX. My father has the same name as me and he does have XXXX. I think the debt may belong to him.
Product: Credit card

XXXX XXXX and XXXX. 
I had spoke with him in XXXX Nordstroms credit card services. I called them to bring my account current and see what I can do and they said they were recording the call. I agreed to pay the next few months {$80.00} a month with them taking out on the first of every month directly from my bank account so I paid XXXX and XX/XX/XXXX payments of {$40.00} which is {$80.00} then XXXX they were supposed to deduct from my bank account {$80.00} dollars and they did not. I have called multiple times on these days especially over XXXX times and there is no help inside after hours on the phone waiting or holding and help. I need to know why they did not drop the money and why are they charging me fees when Im trying to get my account back current with a payment plan they said would help me get back on track.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX, XXXX, and XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report. On XX/XX/2024, I submitted a personal information update letter to XXXX, XXXX, and XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/2024, I received a response from XXXX, XXXX, and XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX. 
I believe that XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion and XXXX fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Money transfer, virtual currency, or money service

I opened aXX/XX/XXXXcompany in XXXX and with the help of my brother-in-law i am setting up another partner XXXX XXXX company in XXXX. 

For this purpose i opened small business account in Bank Of America so everything must be clean and under law. 

Also, for setting up company in XXXX I hired a freelancer agent in XXXX to setup the company and do necessary things. 

On XXXX XXXXXXXX XXXX  i initiated a wire transfer for around XXXX dollars to agent for his services. 

The wire went on hold since then. 

When i called bank on XXXXXX/XX/ they told me that because of suspicion on a name i mentioned in Notes of wire where i have mentioned my brother-in-law 's name. I told them that this is my brother in law and we are partner in opening up company in XXXX. But still they held it. 

When i called today, they say that i have to call them again and again every day, to find out about the wire transfer. 

When i asked them about till when the wire transfer be on hold, they said that there is no answer to that and that i have to check every day. 

So, First of all, instead of realizing it as a false positive on OFAC 's list where they are just hold money just because my brother in law 's first name matched with some sanctioned name ; they have not reviewed it in due time which was 48 hrs. 
Also, they are not able to provide any definite answer to till when the wire will be on hold. 

There should be a law protecting citizens from such false positive because there may be like millions of people with a matching sanctioned person 's FIRST NAME and the bank should not be allowed to hold wires just on the suspicion on FIRST NAME matching with some sanctioned person. 
Secondly the wire transfer should have an upper bound on hold and the bank should facilitate its customers instead of asking them to call again and again every day until indefinite period of time especially when average wait time for the call is 20-30 minutes. 

So now, my money is held, just think of that person who was helping me setting up company in XXXX and has been waiting for funds for his services since 10 days now ; and i don't even know how many more days or weeks or months ; as bank is unable to provide any specific time ; why me or he get penalized for false positive.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX [ Social Security Number XXXX XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute Challenge to Verification Methods and Request for Deletion Dear Sir/Madam, I am writing to dispute the accuracy of several accounts listed on my credit report. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, I have the right to dispute any information I believe to be inaccurate or unverifiable. I also request an investigation into these accounts, and if you can not verify them within the required timeframe, I demand their immediate deletion. 

The accounts in question are as follows : Creditor Name : Absolute Resolution Account Number : XXXX Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name XXXX XXXX XXXXXXXX XXXX Account Number : XXXX These accounts may contain inaccuracies or be otherwise unverifiable. I request the following : Validation : If these accounts are valid, please provide : Signed contracts or agreements between me and the original creditors. 
Complete payment histories, including dates, amounts, and balances. 
Documentation proving the creditor or collection agency 's authority to report these debts. 


Additionally, I request a detailed explanation of the methods and procedures used to verify these accounts, as permitted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your immediate attention to this matter. I look forward to your written response within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Auto Loan on My Credit Reports Dear XXXX, Equifax and XXXX, I am writing to formally dispute a fraudulent auto loan appearing on my credit reports with both Equifax and XXXX. I did not authorize or apply for this loan, and I believe it is a result of identity theft. My personal information was compromised in the Equifax data breach as well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has led to unauthorized activity on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I am requesting an immediate investigation into this matter. This auto loan is not mine and is inaccurately reported. I demand that it be permanently removed from my credit reports.

To support my dispute, I am enclosing the following documents : A copy of my FTC Identity Theft Affidavit A copy of the police report related to my identity theft A copy of my government-issued identification for verification Please complete this investigation promptly and confirm in writing once the fraudulent auto loan has been removed from my credit reports. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent a letter to XXXX, XXXX and Equifax about collection accounts on my report that do not belong to me. They are in violation and have not responded. I am demanded that these accounts get deleted immediately.
Product: Credit card or prepaid card

I received unemployment back in XX/XX/XXXX. Recently just gained access to my account XX/XX/XXXX. I noticed someone stolen my card and activated it and my fraudulent transactions. I put in a dispute and it was denied a few days later. Bank of America has broken the laws and didnt treat me fairly. Over $ XXXX in stolen money and they wont do anything about. I will be getting an attorney general. Ive done everything theyve asked and still havent got help. Ive heard several same stories about this and Bank of America should be sued. I never even activated my card and my claim was denied. Lets me know no one actually paid attention and care about bum claim. By law if its a fraud claim I should atleast get provisional or taken more seriously. Bank of America is a fraud bank and they might be the ones that stole my money. Ive heard the same from several others too. I filed a police report also. Still no help. Not even from them