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

On XX/XX/XXXX XXXX received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : FEDLOAN SERVICING Remark Removed From Account. 

I called the major credit bureaus ( XXXX, XXXX ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with XXXX  to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called FEDLOAN Servicing and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with XXXX  might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/25, I wrote to Experian ( as well as the other credit bureaus ) to inform them there was a lot of suspicious accounts that didn't belong on my credit report. I'd recently experienced an identity theft issue and included a copy of the police report as proof of same. While the other credit bureaus investigated and removed the questionable accounts, Experian claimed to have investigated the information but clearly did not, as they are the only credit bureau that did not remove the accounts AND they even added a duplicate account. I wrote to them again on XX/XX/XXXX to again ask for their help and they eventually responded with the same actions and offered zero assistance with the situation, dismissing my problems as frivolous.
Product: Payday loan, title loan, or personal loan

HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections
Product: Credit card or prepaid card

Was mailed this card without applying, as an upgrade from another card. I've never used it but charges have been made on it out of country, I can't get ahold of the company, and now I can't access my account suddenly. There was a charge in XXXX or XXXX for {$40.00} some and in XXXX for {$160.00}. I can't say the exact amounts and exact dates because I'm locked out and have been unable to recover my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I am a victim of Identity theft. I have never once entered a consumer credit transaction with XXXX XXXX. Please refer to the attached documentation below. I tried to contact XXXX XXXX XXXX registered agent but I could not locate the applicable agent. Whats even more confusing is that it states that the account has been purchased by another lender. This maybe a mix up or a misunderstanding so im hoping we can resolve this now to prevent further legal proceedings.
Product: Credit reporting or other personal consumer reports

Representative states they never sent out a letter with inquiry deletions. I have uploaded all proof that they did. Along with my original dispute letter.
Product: Mortgage

HSBC XXXX XXXX XXXX LOAN I have been trying to pay down my Home Equity Loan from HSBC since last year and every time I try to submit a check or online/telephone banking payment to HCBS they are unsuccessful. Instead they keep charging me interest every month and failing to accept my payments. 
When I have sent a check they have been sent back to me, when I go into a branch they tell me they are unable to complete the payment because the Home Equity Loan is managed by a subcontractor and they are unable to reach the right person, when I call HSBC the same thing happens. I have escalated this several times at HSBC, both via my Premier relationship manager and via the HSBC XXXX call center, and every time they say they will try to connect me with the right person to help process the payment on my loan, but they either leave me on hold for extensive periods of time or they ask me to call back/visit a branch. It's been going on for about a year and I don't know what to do other than file a formal complaint. I have asked that the bank keep a record of every time I have visited a branch, submitted a check, or called the call center to pay the loan. There are funds in my checking account to pay down this loan, so I have no problem to prove source of funds. I just would like your help getting HSBC to accept payment, and also to reverse the interest charges that have been applied since I started to attempt paying this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX from XX/XX/2023. Attached is the letter from XXXXXXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.
Product: Debt collection

I contacted the company, first national Bank of Omaha ( fnbo ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 at XXXX EST I attempted to make a purchase for {$50.00} usd of the crypto ETH. It has not shown up in my account and I have not received my money back. I have reached out to coinbase thru XXXX, XXXX, email, and phone but no one is giving me any answers. All I get is " we are aware of the problem and working to fix the issue ''. I sent transaction numbers, receipts and all the proof needed to show I made the purchase. I even had one coinbase operator ask me to fill out yet another form then block me. I have tried for 4 days to get my money back. They've already costed me so much in profits. This company needs to be shut down! There's no customer service or fruad department at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Dear, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Comenity Bank/Victorias Secret Amount : {$32.00} I am disputing this claim due to : My payment was never late and this false information is damaging my credit. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 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 remove these however, I have not been successful.
Product: Checking or savings account

I received a small business XXXX loan from the XXXX for XXXX on XX/XX/XXXX, to help my small business get back on track into my capital one 360 bank account. I attempted to move XXXX, on Tuesday XX/XX/XXXX to my accountants account which is my mother. I received a email that, my account has been restricted for withdrawals and I need to call in and verify information. I called capital one to verify all information needed, I verified all information and questions asked, Then I was informed that my account was turned over to a investigator that I needed to provide my business EIN number and I provided that information. I have been a account holder with capital one since XXXX and have never had a problem. My account is still restricted for withdrawals which means, I can't access my account at all I have no funds or can access any of my funds and all of my funds are in that capital one account. I have a capital one 360 not a saving account there should be no restrictions on my account. I am very disappointed in capital one.
Product: Debt collection

I telephoned XXXX in early XX/XX/XXXX and was told acct was paid in full. I had moved and never ever received a bill that acct was still owing. Never received notice from CBE Group that there was an outstanding balance. Upon learning of collection thru XXXX XXXX I immediately paid amount due to XXXX. XXXX lied about having sent me notices or USPS failed to forward mail!
Product: Debt collection

I received a letter from a place called XXXX XXXX that I formerly owed Synchrony Bank {$1700.00}.
Product: Mortgage

For over 4 years I have had an ACH set-up to take my payment. State Farm Bank recently took back the servicing of the loan and removed my from ACH. They did this because of a chapter XXXX that was filed almost 5 years ago and is set to discharge in XX/XX/2018. To make it worse, they stopped ACH and I rec 'd only a couple of days notice before payment is due. This is about as poor of a job as a mortgage company can do to help a consumer. All they had to do was nothing. The payment would have continued to be received automatically for years to come. Very disappointed in State Farm Bank.
Product: Mortgage

The XXXX 2015 statement for my second mortgage with Ocwen Loan Servicing showed a dramatic increase in the amount due for my second mortgage. I called Ocwen on XXXX XXXX to find out what happened. In XXXX or XXXX, 2015 XXXX Ocwen wo n't clarify XXXX, Ocwen submitted a double-payment from my escrow account to the insurance company XXXX XXXX XXXX XXXX. During that XXXX XXXX phone call, Ocwen told me that the additional charge would be removed and I would receive a revised statement within 7 to 10 days. I was also told that, as a courtesy due the inconvenience, the {$14.00} late fee applied to my account would be removed. I still have not received an accurate XXXX statement for the second mortgage. Based upon harassing phone calls from XXXX to XXXX Ocwen is now demanding that we send them over {$1100.00} to compensate for its mistake. Ocwen insists I received a refund from XXXX, which I have n't, and is demanding the refund check. I have been on the phone with Ocwen several times and the company is refusing to send me an updated statement with the additional escrow removed XXXX as was told to me on XXXX XXXX XXXX and Ocwen is refusing to work with XXXX to fix its costly error. My patience with Ocwen has worn thin, and I have had to yell and curse over the phone with every representative that has harassed me. Every call is driving me crazy and I end up hanging up every time. These Ocwen representatives wo n't listen, wo n't comply with the terms of the mortgage, and wo n't solve their own errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Please remove these inquries from my credit file.
Product: Money transfer, virtual currency, or money service

I trireme to withdraw my funds from square app and they said they deactivated my account and are holding my funds for 90 days
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries have been made on my credit profile between dates of XXXX XX/XX/2022 I have reached out to all creditors to get information deleted and there has been no response I have provided the credit bureau with proper documentation stating that the inquiries are ongoing and they need to be deleted but I have not received any response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent in dispute letters they say accounts are verified but can not/ will not give me the proper Method of verification as the law states.
Product: Credit card or prepaid card

I used QuadPay to purchase a XXXX watch. XXXX canceled my order and claimed they never charged the card. I can not get XXXX to answer me back. I have attempted to contact QuadPays customer service over 20 times with the chats being closed out by QuadPay before hearing from anyone. Im trying to get this resolved before the 2nd Payment is due to QuadPay. They have refused to answer back any messages I have sent them. In fact I am owed {$20.00} in a refund.
Product: Bank account or service

I went to cash in an original Certificate of Deposit from Premier/Chase bank which was issued in XX/XX/XXXX. I have received XXXX on the certificate through XXXX and none thereafter. I noticed that on XX/XX/XXXX XXXX, a zero was left off of the certificate number. Chase is claiming they have no record of my certificate and therefore are not responsible for returning my earnings even though I have the original and the back was never signed. It has been confirmed through unclaimed property that the funds were never turned over to the state, therefore Chase still holds my funds. The executive Dept. of Chase bank is claiming they are not required to keep my investment records past 7 years so I just lose my money even though the certificate states automatically renewable and has no expiration date. I am assuming my money is drawing interest all these years as this is the verbage directly on the document. I have been a customer with Chase for over 30 years and have always lived in the State of Louisiana. Contacting me was never an issue. My parents currently live at the address listed on the document. I have attached a detailed timeline along with scans of the certificate, which I hold the original, and XXXX forms. As you can notice on the timeline, this has been a very lengthy process, and I have exhausted every avenue possible with Chase in order to retrieve my investment funds. Chase is claiming that the funds were abandoned since there was no activity however the funds were never turned over to unclaimed property. I am certain that purchasing an investment cd is specifically designed not to be touched in order to achieve maximum benefits which is the reason there was no activity and it clearly states " automatically renewable ''. If indeed Chase did decide these funds were abandoned, what are the guidelines they must follow to turn the funds over as unclaimed and how many years are they required to keep records? Is Chase not responsible for giving me information as to what they have done with my funds I entrusted to them as an investment? Are they allowed to " lose '' someone 's money and not be held accountable?
Product: Credit reporting or other personal consumer reports

Complaint to CFPB : Unauthorized Reinsertion of an Account by EXPERIAN Dear Consumer Financial Protection Bureau, I am filing a complaint regarding the unauthorized REINSERTION of an account by XXXX XXXX XXXX # XXXX, on my credit report by EXPERIAN XXXX in violation of the Fair Credit Reporting Act ( FCRA ). This reinsertion has caused me significant harm, including lowering my credit score and creating undue stress, making it difficult for me to obtain credit. 

Details of the Issue : The last time I saw this account from XXXXXXXX XXXX XXXXXXXX on my EXPERIAN credit report was in XX/XX/year>. 

From XX/XX/year> to XX/XX/year>, this account was no longer present on my EXPERIAN credit report. 

On XX/XX/year>, the account suddenly reappeared without any prior notice or verification from EXPERIAN Potential FCRA Violation Lack of Notification for Reinsertion by EXPERIAN UNDER THE FCRA 611 ( a ) ( 5 ) ( B ), if an account is reinserted after being previously removed, the credit reporting agency is legally required to : 1. Notify me within five business days of the reinsertion.

2. Provide the name and contact information of the furnisher who requested the reinsertion.

3. Ensure that new, certified information was provided to justify the reinsertion. 
In this case : I was never notified by any credit bureau ( Experian, XXXX, or XXXX ) that the account was being reinserted. 
No verification of certified information was given to me. 
The accounts sudden reappearance negatively impacted my credit score, affecting my ability to obtain credit and financial stability.
Product: Mortgage

From a letter to you on XXXX XXXX, 2015, stating that I was waiting on a loan modification and was three months behind on my mortgage. The XXXX XXXX XXXX will pay these payments. I faxed paper work to Seterus, Inc., on XXXX XXXX, 2015. They gave me an email confirmation but it has been 25 days and this paper work has not been returned to me. Once I brought CFPB in to make an inquiry I felt this company would try to mess me around. The last time I talked with Seterus on the phone they wanted me to comment on a bank statement I sent to them some time ago. They asked for a bank statement and XXXX Awards letter. They did not state that I should comment on any of the documents sent to them.