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

XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
XXXXhow Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything
Product: Credit reporting or other personal consumer reports

I have been a BMW owner for the last 12 years, with multiple vehicles. When I first purchased my newest vehicle, the salesperson was supposed to enroll me in automatic payments, but he forgot to and when it came time to make a payment, it was never made and even though I made the late payment on the XXXX day, they said that they require payment be made on the XXXX day, one day before all other loan companies in the united states include the XXXX day, before sending credit agencies a 30 day late payment inquiry. BMW is the only company in the United States that doesnt allow the XXXX day of the month to be included as a non late credit inquiry. If you make a payment on the day your payment is due, is it still considered a late payment. You must make your payment 1 day before your due date to be considered on time. This is against every credit agency I have ever dealth with in my life. Also, If you make a payment on day XXXX, they dont take the payment out of your checking account, until 5-7 days after your payment was made. When someone allocates money to an account for payment, taking the payment 7 days later may cause an account not to have sufficient funds since other payments from the account are taken automatically, and because of this I reciveed another 30 day late for the month of XXXX. Finally, Today, XX/XX/XXXX, I tried to make XXXX Online payments, one payment I made on XX/XX/XXXX, but they didnt take the payment out until XX/XX/XXXX, and there was insufficient funds on that day because my mortgage gets taken out on the XXXX, and for a second payment for the current month, but the online service is not accepting my payments, and either is their phone system, and they are closed at XXXX XXXX standard time on Friday XX/XX/XXXX. There is no possible way I can make my payments on time, Since monday is the XXXX of the month, the day my payment is due, they will consider this another late payment and affect my credit score again since paying on the day of my due date is considered late! Our cost of living has doubled in the last 3 years, and our income has stayed the same, they should have a little empathy for US citizens, but this company is the epitome of a socialist dictatorial entity, not capitalism. They should be banned from the united states of America. I will never purchase another vehicle from this company again even though I love their cars.
Product: Mortgage

Hello Approximately in XXXX of XXXX my husband and I wanted to modify our jumbo mortgage with HSBC. It had taken a while so we followed up about 3 months later and were told that it is still being processed. We then reached out mid XXXX and were told to wait 6 months as it was to close to our last modification. After the 6 months we submitted again, this was now the end of XXXX. It is now XX/XX/XXXX and we have locked in our new lower rate and were told it was in underwriting however today XXXX XX/XX/XXXX ) we have been told that since the home is in o family trust ( husband and myself ) that the bank HSBC was not able to do it. this makes no sense as the home has always been in our trust and we did a modification with HSBC in the past with the home in a trust. Did a new law come into effect? 
This process has been super frustrating, incredibly lengthy and as of today very disappointing. We are good customers of HSBC and have another mortgage and heloc with them as well as bank accounts.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2023 somehow I was approved for PayPal credit account for XXXX  XXXX credit limit. While trying to figure out how to work and use the account I noticed PayPal had fraudulently had suspicious activity charged in the amount of over {$700.00} but wouldnt explain that. And I havent used PayPal in many years probably more than XXXX. As I continued to set up this account I could never access and use any of the credit limit. After verifying bank account debit cards my license ID EMAIL i attempted to pay for my services it stopped me and wanted to verify my phone number to make sure it was actually me. However it wouldnt allow me to go past that saying the number wasnt supported. I spent over XXXX hours making phone calls the customer service reps were rude. Hanging up on me kept sending me to dead end automated calls. They made me verify info about XXXX times it was a complete joke to the company. Made me listen to XXXX  options and I only speak XXXX. Once they had all verifiable information I could no longer do anything with the account. I cant even remove my bank information they are COMPLETELY FRAUDULENT.
Product: Debt collection

received a letter from Citi stating my debt was sold to XXXX XXXX XXXX .I have never had any credit of any type from Citi . There is no account or debt. Their claim is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - We agreed to pay for deletion and it still showing on my report even though this payment was completed months ago.
Product: Debt collection

I visited XXXX XXXX XXXX  once in XXXX of XXXX. I believe the date of service was XX/XX/XXXX. During my visit I was instructed to do some home care and was told I didnt need any follow up visits or further treatment. I received my bill and started to post on it. I made several payments and in XXXX of XXXX I called XXXX XXXX to pay my bill in full and paid the exact amount I was quoted over the phone and was advised my account was paid in full. Fast forward to XX/XX/XXXX I get a letter from a collection agency advising I owe an additional {$75.00}. This was strange considering I was told a year prior my account was paid in full and received no other bills or contact from XXXX XXXX. I called the business, the billing agency, and the collection agency and requested my account statements showing what I originally owed, what my insurance paid, and what I paid. A few weeks later I received what I believed to be my complete account statement showing what I asked for and insinuating that I still had a balance due of {$75.00}. Per the letter it asked me to provide cancel checks or a written explanation if I believe that I had already paid this amount. So very quickly I went through my emails, and printed off copies of my bank alerts showing that I made a minimum of three different debit card transactions in XXXX however only XXXX were accounted for on the statement. With third payment being accounted for the company would then owe me {$25.00}. I sent them a letter and the printouts. A few weeks later they sent me another letter and a completely new account statement with more charges and visits. I believe their book keeping has failed and they are just throwing statements together attempting to get me to pay what Ive already paid. I am refusing to pay anything further and would like them to stop harassing me.
Product: Credit card or prepaid card

Received a " VISA Debit card '' in the mail today ( XX/XX/20 ) that I did not request or apply for from US bank ( ReliaCard on the front ).
Product: Debt collection

On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to Global or Debt Management Partners. Possibly Called National Processing As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an XXXX XXXX XXXX pay day loan. I had been paying on this loan and the place was just XXXX. XXXX XXXX XXXX never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the XXXX I endured. They called from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 after reviewing my credit file I noticed an account from Midwest Recovery Systems {$550.00} that was opened up fraudulently. I contacted Midwest Recovery Systems four times over two weeks about this account. Midwest Recovery Systems informed me that they notified XXXX, XXXX, and XXXX on XXXX XXXX to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018. I have filed a cfpb complaint against : XXXX XXXX, XXXX XXXX, and XXXX XXXX in reference to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Open Late Date XX/XX/XXXX, XXXX  XXXX bankruptcy Filed on XX/XX/XXXX Reference number : XXXX
Product: Credit card or prepaid card

HSBC credit card trying to pay over 1 month and they dont accept my payments the charge me twice late payments and more charges and interest without me using the credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX {$XXXX} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws

in which this account goes against with the FCRA. 15 U.S.C. 1681 et seq., governs access to consumer credit report records an
d promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Mortgage

On XX/XX/2019, I XXXX XXXX XXXX, Home Owner, spoke with XXXX XXXX, Loan Officer (  NMLS # XXXX ) with PennyMac about refinancing my home. Mr. XXXX started my loan application over the phone. During our phone conversation, I informed Mr. XXXX that I was a U.S. Veteran and would like to refinance with a zero down payment. I also requested that the monies in the Escrow account be forwarded/mailed to me at closing. This was discussed and clearly understood by both parties three times during our conversation. It was also annotated in the  Settlement Statement. 

Once Mr. XXXX obtained all my information, he forwarded me to his XXXX XXXX. Team to follow through with the refinance process. I received an email from the XXXX XXXX. Team on XX/XX/2019, informing me that the refinance had been approved. On XX/XX/2019, I received an email informing me that my closing was scheduled for XX/XX/2019, at XXXX XXXX   CST. The time was rescheduled for XXXX. XXXX 's Mortgage payment was made to XXXX on XX/XX/2019, in the amount of {$2100.00}. I was further informed that I would need to bring {$530.00} to closing which is questioned because I believed through my conversation with Mr. XXXX, I would not need any money at closing. I informed Mr. XXXX of this issue and he said he would take care of it. However, when the representative arrived at my home, I still needed the closing cost. Mr. XXXX had not done what he said. I decided to comply and not hold up the refinance. 

The documents presented to me at closing appeared to be correct so I signed them. The representative and I ensured that everything I was requesting was on the Settlement Statement. Per that statement, I was due to receive {$7500.00} from Escrow which I have not received to this date. I did receive a check for {$2100.00} which was XXXX 's mortgage payment due to the loan being closed. 

To this date, All attempts to reach Mr. XXXX concerning the Escrow balance has failed. I have made at least eight ( 8 ) attempts since closing. I have been forwarded to many different people the last being XXXX XXXX on XX/XX/2019. I was informed that Mr. XXXX was Mr. XXXX 's XXXX. Mr. XXXX informed me that the Escrow amount was applied to the loan. I informed him that I did not request that and it was never apart of my conversation with Mr. XXXX. I informed him that I would like to have that money sent to me. Instead of granting my request, Mr. XXXX asked If I would like to revert back to the original loan prior to the refinance. I answered yes. 

Thank you for considering my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to Experian resulting in a one point credit reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these XXXXyears and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of educationXXXX XXXX XXXX XXXX XXXX For the % th time i will attached a 5th police report/ftc/identifers
Product: Debt collection

I was turned to a collection agency years ago! I paid this in 2013? Why is it On here?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Applied for mortgage on XX/XX/2021, appraisal was performed on home in mid XX/XX/XXXX XXXX XX/XX/XXXX or XXXX ). Appraisal was uploaded to lenders applicantion portal for viewing but no copy of the appraisal was mailed, emailed, or others provided to me. 
Shortly after it was uploaded by the lender to the application portal the lender denied the application. At that time my access to the application portal and all documents contained in it was immediately and completely restricted. 
It was my understanding that in accordance with the code of federal regulations 1002.14 rules on providing appraisals and other valuations, the lender was obligated to deliver to me this document. This obligation has yet to be fulfilled. 
The appraisal was made available for an extremely limited time ( days ) in the application portal before my access was restricted. 

I have requested a copy be mailed or emailed to me and provided the needed information to complete that request - I have received no appraisal or valuation documents to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Transunion XXXX  Attn : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Transunion Interactive I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, XXXX XXXX XXXX XXXX
Product: Credit card

I called XXXX XXXX XXXX to activate a replacement credit card today. The call was at approximately XXXX EST. The rep activated the card. He tried to sell me a balance transfer. I declined. He asked if I had any other questions. I told him I had recently transferred a balance to this card, and asked if I made a purchase how I would make a payment to avoid accruing interest. He gave me the correct information and then proceeded on a sales pitch to try to max out my credit line by direct depositing money into my account with a 4 % fee ( 18 month balance transfer ). He then went into the current soft pull of my credit report and told me that he saw I had outstanding balances with other banks and proceeded to use this information to try to sell me a balance transfer. 

I do n't have a problem with credit card companies offering their products and services. I do take issue with high pressure sales tactics, from a credit card provider, giving advice that will cause many to go into debt or irresponsibly spend. These sales tactics feel like the same ones banks/cc companies were using to position optional cross-sell products in 2010. For example, I believe he made the statement - " So this is a better option because it will cost you less '' ... which was n't true based on the information I had provided in the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE. AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Product: Debt collection

I received an update on my credit reports stating that I owed capital one auto finance XXXX for a auto loan that was not in my name. My name was fraudulently added to this account and I have provided evidence to the company in form of a filed police report stating that I have not opened an account with this company. This account has been reporting on my report for 7 years now. I can not get extended credit due to this account inaccurate reporting. I have tried everything possible to resolve this issue my next step is to file a lawsuit against capital one for their unethical collection practices.
Product: Money transfer, virtual currency, or money service

Our business are XXXX/XXXX having customers in XXXX and USA, we have received proof of transfer for {$2500.00} USD from one of our customers in XXXX on XX/XX/2018, transfer was on hold by OFAC ( Office of Foreign Assets Control ), I already file a license required by OFAC on XX/XX/2018, but at this time my money still on hold, I already talked to WELLS FARGO and XXXX ( XXXX Bank ) several times because OFAC say that the banks are responsible to work on the case. 

I don't know why OFAC has my money on hold if I already send to them proof of all invoices and all documents they request to me, we work hard to obtain this money. 

I hope you can help me with this matter. 


Best Regards,