23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXXommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

GREETINGS CFPB, MY COMPLAINT IS AT H.U.D. ALREADY SIX MONTHS, IT IS PREVENTING ME FROM REFINANCING, TO PAY OFF MY BUSINESS, UNDER ESCROW AT XXXX TITLE CO, XXXX CA. DUE ON XXXXPROPERTY TAX LIENS PLACED ON ME FROM XXXX XXXX GOVERNMENT XXXX XXXX. I PAID THE LIEN AND THEY GAVE ME $ XXXX WAIVER UNDER THE FEDERAL HOMESTEADERS ACT. BUT THEY DOUBLED MY TAX. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX JURY ON XXXX AND THEY HID MY CASE FROM ME .I FILED TO SHUT DOWN THE GOVERNMENT CENTER AND REMOVE THEIR BUDGETS. THE XXXX SUPERIOR COURT HELPS ONLY THEIR XXXX MEMBERS AND ENFORCE THIER OWN CA CONSTITUTION. THEY WERE RUNNING THEIR XXXX GOVERNMENT HERE, XXXX IS THE EPICENTER FOR XXXX EXPANSIONISM. SOME OF MY FAMILY MEMBERS AND FREINDS ARE ALSO XXXX. THEY GAVE THEIR MEMBERS XXXX50 % OF RESIDENTS, ALL COMMUNISTS XXXX INMATES FROM THE HANFORD CA E.D.D OFFICE, THEY ARE NOW SHUT DOWN. I NEED HELP CLEARING MY HOME FROM TAX LIENS, I AM XXXX GANG SUPPRESSION FOR XXXX DISTRICT ONLY. THE COMMUNISTS PLACED THESE LIENS ON ME TO RUN ME OFF ONLY D.A.C.A. RECIPIENTS ARE INVOLVED IN TERRORISM RUN BY THE KNIGHTS OF XXXX XXXX IDENTIFIED BY A RANK STAR RATING.MY CASE WITH NATIONAL HUMAN TRAFFICKING ORG.CLEARED THEM OUT # XXXX SUBMITED A COURT XXXX FORM IN XXXX XXXX XXXX UNDER MY NAME.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I opened the account about a month earlier and I contacted them initially due to account being locked by the security team. Each time it takes at least half day to one day to call them.

They locked the money transfer for the first time. They asked for another bank statement in last month. I told the agent that I don't have statement for last month ( they only provide that every three months ) and very rude disputing why I don't have it. I said I will call my the other bank and let them stay on the call together. She said that will work. However, she locked the account directly after that while I'm contacting my the other bank. However, the other agent doesn't allow the agent from the other bank to stay and insist they have to call. In short words, it disturbs my work for almost a day. I've filed a compliant within HSBC for this and no follow up. 

The ridiculous thing is, my account was locked again later and asked me to verify address again using another bank statement. 

Another time is asking me to print out a SSA form, I did it for them and sent back. ( I have medical condition and am risky to go to a store to print as I don't have a printer ). Later the account is locked again and later told me what I write is not clear. I emailed back twice and replied all asking do I need to print a new one or is it better to type. Nobody replies, until I called again they told me they've sent my account to be closed!

In the single month, my account is locked for four times! For at least 25 of the days, I'm not able to transfer money or access any money in my account. I filed complaint with them twice internally, nothing changed. They constantly asked for same documents on address and SSA form from security team, while locking the account totally based on their mood! ( like after I called to ask about transfer ). They said they called before locking but no incoming calls on my phone at all and there are at least four people from HSBC on the email I replied directly, no one has replied me. 

I was sent a promo code to open the account with certain amount of deposit, I really don't know whether it's legal for them just to lock my account for so long without notice or maybe they want to avoid giving me the open bonus in the promotion while keeping my money there ( more than XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
Product: Debt collection

I 'm a victim of identity theft and someone open up account in my name they even rented a car in my name and now it 's on my credit report. JNR Adjustment, it was removed from my XXXX report but not from XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?
Product: Debt or credit management

While incarcerated from XXXX unemployment claims, while open under my name, and claims were payed under my name. I filed for identity theft with local enforcement, and put fraud alert of my credit report. I file a claim for unauthorized charges. Provided all documentation to Bank of America. The outcome was partially claims approved but XXXX claims were deny. the reason for denial was because Bank of America stated that transactions were authorized but thats impossible because I was in jail.
Product: Credit reporting or other personal consumer reports

Credit Alert of Hard Pull on my Credit Report that negatively affected my score. Accessed by SYNCB/TJX CO without my permission. Contacted XXXX to file a report. Called TJMax ( TJX CO ) about the issue but they were unable to be of any service. The only reason TJMax would be doing a hard pull on my Credit, is if someone was fraudulently applying for a TJMax Mastercard in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Date of inquiry:XXXXXXXX XXXX Date of inquiry:XXXX ALLY FINANCIAL Date of inquiry:XXXX
Product: Money transfer, virtual currency, or money service

Somebody is using my phone number and managing all my accounts
Product: Credit card

Comenity Bank on XXXX  behalf called me repeatedly in one day regarding a past due account. When I attempted to pay in full when I had a chance to talk on the phone the representative talked over me, and made it difficult to pay. I had to use the auto phone option. I then called them to make a complaint because of the severity of the mishandling and frankly, abuse I received as a customer in good standing ( I paid it in full ) I honestly thought they might have been hacked I was treated so poorly .After I complained about their behavior they froze my account and blocked my number so I cant call and check what is going on. Now they are refusing to provide me any information claiming I requested a cease and desist when I just wanted their employees to talk to me like a human. I also think it's important that Ann Taylor XXXX and XXXX understand how Comenity bank treats their customers. Now they want me to send a letter to reinstate my account which is paid off. Why as a consumer would I jump through hoops to fix their myriad of mistakes. This bank seems to be setting their customers up for failure in my opinion and trying to skirt consumer protections. If I have to close my account why would I take the credit hit? I have done nothing but try to be a good customer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Accounts Due to identity Theft Dear Experian Agency I am Writing to formally request the removal of certain accounts from my credit report that I did not open and are results of identity Theft. 
My Name is XXXX XXXX XXXX My Social Security is XXXX Back in XX/XX/XXXX upon reviewing my credit report, I noticed the fallowing accounts that I believe were fraudulently opened in my name : XXXX. XXXX XXXX XXXX XXXX. / XXXX XXXX. XXXX 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 XXXXXXXX XXXX This Accounts are not mine, and I have taken steps to report this identity Teft to the appropriate authorities. I have my purse stolen in XXXX and again in XXXX. At this moment I don't have handy that information from the police report as has been a while ago, since I notices all of this accounts in my credit report, I been filing multiple Complaints through their preceptive agency and so far none of them has giving me a validation of the debt. Under the Fair Credit Reporting Act. ( FCRA ) and the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request a validation of any reported debt I can dispute these accounts. Or request the IRS Form XXXX ( cancelation of the debt ) None of this information has been provided to me by any of the collection agencies or your Company Experian. All my disputes are returned as verified and updated to stay on my credit with no Proof of method of verification by your company. Or any of the Collection agencies I already submitted this form and request. If none of this debt can not be validated or if there is evidence of errors, I can request that the account be removed from my credit report. 
If the creditor or debt collector continues to report unverifiable or inaccurate information, I will consider filing a complaint. For monetary relief for this pain and stress this situation is causing me. 

I kindly request that you investigate these accounts and remove them from my credit report as soon as possible. Under the Fair credit reporting act, I have the right to dispute any information that is inaccurate or incomplete. 
Please confirm receipt of this request and let me know the outcome of your investigation. I appreciate your assistance in resolving this matter promptly. 
Thank you for your attention to this urgent issue. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX  Balance : {$16000.00}.
Product: Bank account or service

I would like someone at my bank to investigate several transactions with a company by the name of XXXX aka XXXX. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms. As far as I can see transactions that were on this account were : XXXX/XXXX/XXXX {$10000.00} ( via XXXX charges {$9900.00} ans {$10.00} ) XXXX/XXXX/XXXX {$3500.00} XXXX/XXXX/XXXX {$1400.00} I was unable to open a dispute with my bank because of the transaction dates but I really feel that this needs to be further investigated. This company has yet to finish or render the services I paid {$14000.00} for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX Work on my Daughter start was XXXX and I paid in full ; XX/XX/XXXX I asked for a breakdown Ledger for my daughter from XXXX XXXX XXXX after treatment and payment XX/XX/XXXX and asked from a doctor for another Ledger in XXXX! Which my daughter had early treatment she was XXXX or XXXX and after the treatment we were going to just watch her and if she needed braces again as a teenager to see if she needed bracers again I have supporting documents I kept! 
This should of never went to collections This should have never been sent to a collection agency and should have never been sent to XXXX! XXXX XXXX XXXX for years I asked them to please fix this! This has been paid in full! I am glad I kept everything I am sending attachments that I faxed to the Collection Agency Absolute Credit sent me a letter on XX/XX/XXXX! 
XXXX XXXX XXXX XXXX should have never sent this to Collections! 
XXXX please needs to delete collections off my report so it looks like it was never there
Product: Checking or savings account

Conns took a payment of XXXX out of my bank account for an account that was already paid in full.
Product: Debt collection

n XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints against XXXX and Equifax regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
Product: Mortgage

My husband is XXXX XXXX military. We recent refinanced our home through sovereign lending and somehow ended up with NewRez as  our mortgage lender. I was laid off last month due to covid 19. We lost over 60 % of our income. We have other bills too obviously. We submitted a hardship request online around XX/XX/XXXX. I had to call and wait on hold for over an hour multiple times to follow up on this, as they were not getting back to us. Eventually we got a letter from New Rez saying we were approved for forbearance. Today we got a letter from ShellPoint, which works in loss mitigation. The letter stated that we are in forbearance and did not owe a payment for 90 days. However, it also said, ... their requirements for determining borrow eligibility for a loan modification trial plan include determining whether the borrower is experiencing a temporary or permanent hardship. Based on our review of your current circumstances, we have determined that you do not have a temporary hardship or a hardship that has caused a long term or permanent increase in expenses or decrease in income that prevents you from making your mortgage payment. Because you have sufficient financial ability to bring your mortgage current, you were not eligible for a work out solution or are ineligible for a loan modification. Then it goes on to say that we are only eligible for short sale or foreclosure. 
Furthermore, the letter states that we will be reported as delinquent on our mortgage and our credit may be affected and we will still owe the lump some of payments missed at the end of the forbearance. I believe this is in clear violation of the CARES act, as well as the Department of Veterans Affairs guidelines. 
The loss of a huge portion of our income is clear financial hardship. When I called and waited on hold for an hour then asked for clarification, they would not divulge how they determined otherwise and I was told I would need to call back to get answers. 
From what we have seen of New Rez so far, and now ShellPoint,  they should not be servicing Va loans and I think it would be appropriate to require them to refund loan origination fees and release us from our loan/allow us to transfer is elsewhere without penalty, as they clearly have no interest in abiding by federal guidelines or providing legit service.
Product: Debt collection

XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) XXXXXXXX XXXX is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
XXXX XXXXy has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

WF CRD SVC I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Mortgage

I have a mortgage with Primary Residential Mortgage Company , the company loss my payment this month and has call me six- seven time over the last three week, I told the over and over I send the payment spoke to my bank they said it was sent ( I pay through bill pay on my banking page ), the call try to say the were concern about the tornado in XXXX XXXX but they seem more concern were the payment was, also brought up that may payment was late I said it been taken out of my account. I told my bank said they have it.. I can understand if it was late more then 30 day but it just seem a little harassing. I have had my hour cut at work and with everything are going on in the world right now that this is their priority. thanks