23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

a payment i made and processed on XX/XX/2018 of {$200.00} has not been credited to my credit card account by XXXX XXXX XXXX.Got response letter to letter i sent HSBC on XX/XX/2018.HSBC responded XX/XX/2018 from hsbc with no person name, title or direct phone number.XXXX XXXX is very unprofessional in handling of this matter and i need you help to correct problem
Product: Credit card

Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

issue 1 ) Equifax keep adding XXXX  XXXX XXXX back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Product: Debt collection

I'm disputing negative items on my credit report due to identity theft. Although creditors agreed to remove them, the credit bureau denied my claims, violating the Fair Credit Reporting Act. Fix this now and remove the accounts, or I'll take legal action if not promptly addressed.
Product: Credit reporting or other personal consumer reports

Hello, I submitted a letter to Equifax regarding XXXX XXXX acct ending # XXXX. The creditor agreed to remove the adverse item from my credit. I wrote and emailed Equifax regarding removing this item.I attached the letter from the creditor. Equifax did not remove the account. Equifax is not exempt from following the FCRA and or CFPB regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX. The company agreed to remove this. Please DELETE ASAP.
Product: Mortgage

I received an escrow analysis several months ago that is incorrect and after going through the channels by sending three emails and two letters, one to the escrow department, I can not get anyone to correct it. My payment went up by almost {$100.00} because of this error. I was very specific on where their error occurred and received no satisfaction here.
Product: Credit reporting or other personal consumer reports

Remove these account for improper use of my Credit Report. The payment history reflects continued reporting a charge off after this account was closed. 

XXXX XXXX account number XXXX, bombardee account number XXXX, XXXX XXXX  account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed my account because of overdrafts and I fixed the overdrafts every single time I transferred the funds as soon as it happened ( immediately ) to fix it. My account was not overdrawn 30-40 consecutive days that is Ally policy so they are breaching there policy and discriminating against me. I also advised them several times I was a victim of fraud because my XXXX card was hacked. I did a police report but I have to wait 24-48 hours for me to be able to print it out but it will be signed an investigator thats what the police officer advised. I dont feel I should be reported to Chex system or my account to be closed because despite if the charges were mines I kept fixing them the ones from XXXX  It seems to be that all of them are not mines and Im still working on getting the information from XXXX to confirm that.They got into my XXXX, Afterpay and even my XXXX XXXX Checking account as well as I believe XXXX bank account. I dont know if there will be anymore damage. This isnt my fault. XXXXXXXX XXXX is wrong for closing my account and reporting me to Chex system because I kept fixing my account and I told them about the fraud they did not care, showed no empathy or understanding and closed my account. My other accounts to transfer the money except my XXXX have been changed or I would of fixed the most recent {$18.00} charge off before it was charged off. Im only one person and Im still working on seeing how much and what the hacker has hacked. Talk to me like I was XXXX once I told them I was XXXX and discriminated against me. I apologize this was not my fault or done intentionally. I have transferred {$60.00} from my cashapp to fix the charge off/over draft. Can we please rectify this and give me a chance to look in to this like my other bank accounts have done and also made sure this doesnt happen again by changing my account numbers and my credit cards. Its estimating around {$10000.00} so far the damage they have done and Im still working on gathering more information. I dont know if its going to continue. XXXX allowed this to happened and Im doing my best to fix it. I have school, children, work and XXXX XXXX so things take time. Please be understanding. I will have the police report in the next 24-48 hours. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed a fraudulent account and then re-inserted it after it was deleted. this is against the law and the FCRA. The fraudulent account below needs to be removed as it is a violation against the law to re-insert it : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has wrongly put late paymnet on my account. i have conteacted equifax in XX/XX/2021 but no issue resolved. I have contacted company XXXX XXXX for this and they said its equifax who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.
Product: Debt collection

I receive daily emails about a XXXX line of credit, and this company says I owe them for it. I wish to stop receiving emails, usps mail, and any phone calls from Halstead Financial or XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard or remove them from my file immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Equifax mishandled my information, which puts me and millions of other people at risk. They did not notify me quickly enough for such a potentially harmful issue. 

I have put a freeze on my credit report but they sat on the information for so long I have no way of knowing if I was impacted yet or not.
Product: Mortgage

I tried to secure an IRRRL refi with Penfed ( Pentagon Federal ) and they just strung me along. Instead of telling me from the outset that they didn't do refi 's under {$100000.00}, they made a fool of me. I don't think they want to make 30 year mortgage loans to XXXX veterans who are older. I'm XXXX and I feel I was discriminated against. I've been working on this for a month and a half and I even got a replacement Social Security card to satisfy them. I received a denial in the mail, yesterday. You can't contact these people by phone. The loan # XXXX and my Penfed # XXXX. The loan officer who never returned my calls is : XXXX. The COO who never returned my e-mail is : XXXX The EVP/President Mortgage is : XXXX I also plan to file a complaint with the Texas State 's Attorney over age discrimination against a XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX  Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATIONS OF MY NAME!! I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I went to emergency room in 2014. I was misdiognosed given the wrong antibiotics and was back in the ER a month later. I had not recieved a bill from the hospital and found out a collection agency had put every bill on my credit ruining my credit. every year since they total the bill up change names and put it on my credit as a new debt. It went from a {$1000.00} to almost {$10000.00} now. Ive tried disputing this with yet any results from the same credit companies giving away our info. what can do? In the past I paid a debt collector in full 10x the amount of the original bill and it had no effect on my credit It stayed for 7 years. These agencies now are changing names and every year acting as a new bill and adding to each other. I didnt even think medical bills were supposed to damage a persons credit being nobody expects emergencies and noone can afford there bills. One of my bills is {$500.00} for for someone bringing paper towels. one is {$500.00} for someone bringing a towel. I know that is another issue and the towel person has to maintain a luxurius lifestyle while I poor down sweat everyday taking care of a family barely surving, But collections destroying peoples lives by holding a persons lives XXXX and fraudualant tactics of robbing people and giving nothing in return should be dealt with very harshly for the safety of the public.
Product: Vehicle loan or lease

Capital One Auto Finance refinanced my loan in XX/XX/XXXX. I have completed 2 limited power of attorney documents, notarized and mailed and they still have not completed title transfer. The car was totaled in an accident XX/XX/XXXX. XXXX XXXX XXXX is ready to payoff but Capital One will not provide letter of guarantee on title due to their ineptness in not transferring title. 

Please keep in mind I have been making payments on a car that they have no legal interest regarding lien holder status. 

I can not obtain a new loan until this is paid off when they are advising can take 3-4 weeks. In the meantime the loan is accruing interest even though they know the car has been totaled. 

I am requesting assistance in getting this resolved. 

Thank you
Product: Checking or savings account

I done pay a lot of fees I shouldnt have and didnt receive back. Its been over 6 years ago u just got to go through it
Product: Prepaid card

Cash app authorized XXXX to take around {$4000.00} out of my account in small increments in the same day XXXX XXXX without my consent or authorization nor did I purchase anything or subscribe to anything on XXXX XXXX at all.im losing my belongings in storage because of this and I need my money asap.
Product: Credit card or prepaid card

In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case. 
The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX  company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.
Product: Credit card or prepaid card

I obtained Wells Fargo XXXX XXXX credit card in XXXX XXXX XXXX. The card offered a promotional 0 % interest rate on all balances if paid in full within 18 months. I'm submitting a complaint because the nature in which the interest is charged after the promotional balance has ended is extremely predatory. The current interest rate is 28.99 %. Before the promotional balance ended, my balance on the card was {$5500.00}. Now my balance has increased to {$9900.00} because of the added interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 We make a wire transfer. This is the XXXX complain about the same issue. 

We have been told transfer was cancelled but after more than 2 months we haven't received our money back and the money was taken for a credit line from same company that now is charging us for the interest of a money we did not used at all as the money is in the clouds. 

In previous complaints the company hasn't responded or take any action at all.
Product: Checking or savings account

I made two one time payments with a company XXXX for {$25.00} each totaling {$50.00} the company XXXX then turned around and charge $ XXXX and $ XXXX a few days later I have gone back and forth with Chime my bank telling them this wasnt authorized and they refuse to give me my money back. They want supporting documents on a charge that I didnt authorize they didnt exactly give me a receipt for the charge since as I said it was not authorized. Ive rebutted the decision of which each time is denied about 5 minutes after submitting the request. So no actual investigation is happening into the matter. I need help and its appalling that I need to reach out to you so that MY bank gives me MY money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed Numerous times to properly investigate and remove unrecognized inquiries from my credit report after several calls and letters to the Transunion they have completely disregarded my dispute. They continuously send letters stating they can not verify I have sent the letters and over the phone they do not have any regard for my issues. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021