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

Need these hard inquires to get remove from my credit I didnt give any authorization for not want to run my credit for any inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX Date Generated XX/XX/2023 GINNYS Account XXXX THESE 2 COMPANIES I FOLLOWED DISPUTES WITH PREVIOUSLY AND FOUND IT WAS STILL ON MY CREDIT REPORT THEY WHERE CHARGED OFF AND NOW AFTER A DISPUTE IT SAYS ON MY CREDIT REPORT I HAVE A CTIVE BALANCE Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details.
Product: Credit reporting or other personal consumer reports

There was an investigation in Truist as well as in XXXX XXXX here in NC.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute the accuracy of an account on my credit report that is being reported by TransUnion. The account in question is { XXXX, } which is being reported as collection. I believe this account is inaccurate and request that TransUnion investigate the account to ensure that it is being reported correctly. I also request that TransUnion provide me with validation of the account in question, including but not limited to : * The name and address of the original creditor * The original account number * The date the account was opened and closed, if applicable * The total amount owed on the account * The dates and amounts of all payments made on the account If TransUnion is unable to provide validation of the account, or if the account is found to be inaccurate, I request that TransUnion remove the account from my credit report. * Enclosed with this letter, please find a copy of my credit report highlighting the account in question. 
* Thank you for your attention to this matter. * Sincerely, * XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( XXXX  ), asking them to remove the hard inquiries listed above. ( XX/XX/XXXX ; XX/XX/XXXX ) '' Furthermore, on XX/XX/XXXX, I received a letter from XXXX XXXX stating that they " have submitted electronic requests to have the inquiries, generated by the credit applications, deleted from your personal credit file. ( XX/XX/XXXX, XX/XX/XXXX ) Please allow up to XXXX days for the update to be reflected. '' I am aware Transunion has up to XXXX days to remove these inquiries but they are still inaccurately showing on my credit file as of XX/XX/XXXX, which is past XXXX days. DELETE THESE INQUIRIES IMMEDIATELY. Attached you will find letters confirming this information should be deleted by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported both credit reporting agencies as they are violating the FCRA. I have submitted several disputes with these companies for an item under XXXX XXXX XXXX   reporting on my credit. This account has come back as verified yet both companies have failed to provide substantial evidence that this account is mine per the FCRA. I have asked for methods of verification as E-Oscar is not a reasonable method for verification. I have received nothing to date. I am filing a final complaint along with a letter from this company confirming that they don't even have an account with my name attached. I would like to know how these CRAs are verifying information when the company furnishing the information states the above in a letter I have attached. 

I will be filing a lawsuit against this company for damages and would like this report filed so that it can be submitted as evidence to the courts. 

Along with this previous violation, I would also like to add that per the FCRA, the account has not been noted as disputed by consumer with in 30 days. This is another violation of my rights and I will be seeking damages for the same. I have attached an updated credit report as well as documentation showing the original date of dispute to confirm my claims. 

To be clear, TXXXX has not responded to my recent correspondence of the matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681o - Civil liability for negligent noncompliance U.S. Code Notes XXXXrev | next ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( Pub. L. 90321, title VI, 617, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 ; amended Pub. L. 104208, div. A, title II, 2412 ( d ), ( e ) ( 2 ), Sept. 30, 1996, 110 Stat. 3009446, 3009447 ; Pub. L. 108159, title VIII, 811 ( e ), Dec. 4, 2003, 117 Stat. 2012. )
Product: Checking or savings account

I'm XXXX XXXX, a customer of HSBC Bank USA, N.A. I had a checking account : XXXX and a saving account : XXXX. 
On XX/XX/2023. HSBC Bank USA, N.A. sent a letter to my mailing address, saying that they are going to close my account by XX/XX/2023, due to the Rules of HSBC Bank USA. After I read the rules, I definitely confirmed that I didn't do anything not allowed by rules they provided. All I do is transfer my money from my own another account to the HSBC, and use debit card to shopping or ACH to XXXX. These are all standard use of a bank account in USA. I have asked their to provide the reason, but they said they have the right to close my account without any reason just like I agreed when I open this account. So they closed my account and didn't provide any reason. 
After that, they made another poor operation. They uploaded my information to HSBC Group and HSBC in other countries, they transfer my private information abroad without my agreement! Then, they use this information to ask HSBC in other countries also close my account, also without any reason, especially I didn't break any rule provided by HSBC USA.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of this multiple attempt. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the The failure to effectively address these issues casts doubt on the reliability of the process and erodes trust among participants. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during the XXXX attempt to remove fraudulent items. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX 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
Product: Credit card

Hello, My issue is in regards to XXXX not working with me on a charge that I disputed due to service not being provided as promised by a vendor. XXXX dragged this out for months on end. And I had to resend this same letter to XXXX multiple times. This charge was originally disputed within the first 60 days of showing up on my card. Below is a copy of the letter I sent multiple times to Visa : " To whom it may concern, My name is XXXX XXXX and I am sending the attached documents to prove that the information I was promised by XXXX XXXX was misleading and therefore failed to provide an agreed upon service. 
I was guaranteed by XXXX XXXX that 100 % all trips and flights would be discounted if I signed up for their service. I was also guaranteed a unique log in code to use this service would be provided to me within 45 days, a log in code that I never received. 
I was also guaranteed that if I was not satisfied with the service I could cancel within 30 days. I attempted to do this on at least 3 separate occasions to no success. I have also tried emailing XXXX XXXX on multiple occasions and have received no response from this company. 
Please note, XXXX XXXX receives many negative reviews concerning their treatment of customers and a majority of the complaints are much like my own, a lack of communication and a lack of follow through on promised services. 
Ultimately, XXXX XXXX failed to provide an agreed upon service and I would like to request that my charge be reversed as I have not used this service and do not plan to use it in the future either as the prices are more expensive than signing up for flights/hotels myself. 
Please look into this matter and I would respectfully request this charge be reversed due to failure to provide an agreed upon service. 

Respectfully XXXX XXXX XXXX '' Ultimately, XXXX never did resolve this issue and never sent me a letter explaining why they sided with the vendor. I did receive multiple letters asking for the above letter that I sent them.
Product: Checking or savings account

On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went! 

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a court case versus XXXX XXXX XXXX. On XXXX XXXX 2022 In the county court of the XXXX XXXX XXXX XXXX XXXX XXXX... The case was dismissed on my behalf but XXXX XXXX XXXX. has been currently reporting {$2000.00} the negative debt on my credit report is inaccurate the case has been dismissed by the judge.and the account needs to be removed off of my credit report from all three credit bureaus. Experian, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes financial 2 yrs ago accepted my lease turn in and then charged me {$1000.00} for extras and I had made all My payments for 3 yrs lease
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies show inaccurate information on my reports. My XXXX loans are consolidated into two accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with XXXX this month and they will not remove addresses that are not mine.
Product: Student loan

As an uninformed XXXX-year old, I took out student loans through Sallie Mae for my XXXX degree between XXXX and XXXX. I was not well-informed on the difference between a fixed-interest rate and a variable-interest rate, and was thankful for any loan that would help me pay for my college degree, as my family could not help me with tuition. While I was in school, the interest rate on one of my Sallie Mae loans sky-rocketed to 14.75 %, which quickly caused the loan amount to double from {$20000.00} to over {$40000.00}. I was eventually able to refinance this loan to a lower, fixed-interest rate through a different company, but am stuck paying off $ XXXX in interest before I can even touch the actual money that I borrowed. In the last three years, I have been able to pay off a little over {$5000.00} of this loan. 

I have three additional loans that were taken out through Sallie Mae ( one each year of my undergrad ). These loans were sold to Navient approximately 3 ago where their interest rates remained low ( at first ), but still variable. Over the past year and a half, I have watched my interest rates slowly creep up higher each time I begin to make some progress in paying down one of these loans. I had to enter interest-only payments in order to be able to ensure that I could afford payments. I was eventually able to start applying extra to these loans each month, and although that amount was small, it allowed me to pay off {$10000.00} over the course of three years ( XX/XX/XXXX - XX/XX/XXXX ). Unfortunately, over the course of those three years, I have paid Navient a total of {$22000.00}. Please note that this amount only includes those payments made since Navient has taken over these loans and not any money that was paid to Sallie Mae. 

I have continued to try to refinance these loans for fixed interest rates including applying to Navient itself, as I received a mail notice that I was applicable to refinance. Unfortunately, despite an excellent credit score and a perfect payment history, I have been turned down over and over because I do not have anyone that can or will cosign for me. As an XXXX, I do not make a large income. At this point, just over half of each month 's paycheck is immediately allocated to student loans ( both private and federal ). As of today, my interest-only payments have ended on these loans with Navient. Not only has my required monthly payment doubled from {$350.00} to {$700.00} ( I was previously paying {$500.00} per month in order to work on paying them down ), but the interest rates have once again increased 0.25 %. 

If I am not able to get these loans refinanced, I fear that the interest rates on them are going to skyrocket like the previous one did under Sallie Mae 's management.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts 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

I hav

e a BlockChain Account. I wanted to move out. As soon as this intention was understood by BockChain, they have been trying everything to claim my XXXX assets and use it to their own benefit : - claiming there would be suspicious account access ( WITHOUT providing ANY proof for it, even at repeated explicit request ) - asking I would open another account with them ( because... that's what people like to do when their assets get stolen??? ) - refusing access to my own crypto access, so that I can move out - endless ( and slow ) response times, when asked them justification why they confiscated my assets and refuse to release them - I can't even see my assets in my balance anymore -... 

Today I read in XXXX, the XXXX XXXX will impose a lot more regulation on companies like BlockChain Inc ( US ), and for good reason. I found out the hard way why that is SO needed. 
I have been, for over a half month now, exposed to deeply unethical behavior and -de facto- plain robbery!! 

I have registered multiple complaints here - to warn other people for this company ( and therefore also chosen to always make them public ). 

THIS HAS TO STOP AND BLOCKCHAIN INC HAS TO BE BROUGHT TO JUSTICE.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple having sufficient funds when transactions were authorized I was charged fees due to issue aligns with the recent CFPB finding against navy federal for similar practices where transactions settle with insufficient balance despite these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit card or prepaid card

I am trying to close my XXXX credit account and I am being told it can't be done
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX company XXXX XXXX do by XXXX XXXX Dispute collections {$2700.00} called XXXX XXXX explaining i never had such account. ask for proof and factors of establishment in my name, ss, dob, address and exct...

Dispute for clover commercial this account is collections {$5700.00} for auto loan I volunteer this vehicle because of financial difficulties clover sent and balance of {$3000.00} after vehicle was sold at auction. I've called clover commercial several times asking of balance difference and why the account still open and says current on payments now 120 day late payments. 

I have extended fraud alert since XXXX and all credit boroughs are frozen I've been working hard and diligently on approving my credit report and score. I should not have inquiries, collections or closed accounts on my credit report. There should only be ( 1 ) child support account, ( 2 ) school loans, ( 3 ) credit card accounts navy Federal credit union and premier bank which this account is closed ( 1 ) trade line credit strong.. 

I Appreciate your time and I thank you in advanced for helping in resolving this situation. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as they adversely affect my creditworthiness.