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

( Pls note that it takes at least 1-2 hrs of waiting on the phone to reach anyone in HSBC Dispute Dept.  ) On XX/XX/XXXX I notified HSBC dispute department re an amount of {$600.00} that I wanted them to put into dispute. I then received a letter dated XX/XX/XXXX confirming that HSBC had followed thru and temporarily credited my account {$600.00}. Then on XX/XX/XXXX, I went to court about the dispute and the Judge ruled in my favor that the {$600.00} ( plus court costs ) should be paid ( back ) to me by the defendant. I immediately notified HSBC dispute department ( on XX/XX/XXXX ) by phone that the court had ruled in my favor and to please keep the dispute amount credited to my account. The Dispute dept. rep. also told me to write an email explaining everything to HSBC along with copy of the court document, which i did immediately. In my email, I stated that esp. because of winning my court case, they needed to keep the disputed amount credited to me. However, despite all of this, I received a letter from HSBC dated XX/XX/XXXX, that " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to purse this matter further. We have placed this charge back on your account. ''!!! I immediately called HSBC Disputes - spoke to the same rep again, and asked why HSBC HAD COMPLETELY IGNORED THE LEGAL DOCUMENT/PROOF AND MY REQUEST! The rep said they had incorrectly interpreted my email!!!! And without even bothering to ask me, decided to put the entire charge back on my account!! The rep then said I should write yet ANOTHER email telling them why THEY had made the mistake!! But then, a week later, i received a final letter from HSBC dated XX/XX/XXXX basically saying that it was too late. The defendant had cashed the money and " We have removed this item from dispute and consider it resolved. ''!!! NOW, I have started to pay legal fees to recoup the money and don't know how much I will eventually have to pay to get the money back. So besides this complaint I AM DEMANDING THAT HSBC START COMPENSATING ME FOR THE ADDITIONAL LEGAL FEES I MUST NOW PAY ( beginning with {$43.00} ) - FOR WHAT WAS A COMPLETE & UTTER FAILURE ON THEIR PART! How does such a major bank have such a dangerously incompetent Dispute Dept.???
Product: Credit reporting or other personal consumer reports

XXXX XXXX has a balance of XXXX dollars which is incorrect. One main financial XXXX dollars which is incorrect. Louisiana XXXX XXXX XXXX XXXX which has a balance of XXXX. But payment history is incorrect.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX energy account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Product: Mortgage

I called the servicer today and am on hold for over 30 minutes to answer 2 very easy questions. I received a loan modification several years ago. My questions was easy. I wanted to know what the FINAL RATE was based on my loan modification agreement and to please mail me a copy of this agreement.

It has been over 32 minutes and this representative can not answer my questions or find the agreement. 

Also, this lender has reported that I was late on my mortgage in XXXX and XX/XX/2019. I was never late on my mortgage. Never. This needs to be corrected
Product: Credit reporting or other personal consumer reports

Several unauthorized hard inquiries on my credit report violate 15 USC 16c-2. Please remove these inaccurate entries and repair the damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX in the amount of XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor is currently reporting incorrect information to XXXX, XXXX, and TransUnion credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my XXXX report, account opened on XX/XX/XXXX ; the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXX on my TransUnion report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX XXXX XXXX XXXX, I was able to speak with XXXX 's legal department about my intentions to sue if their credit reporting was not corrected. During the conversation, I learned that the XXXX account in question is for an address I have never lived at. I am now assuming that XXXX mistakenly assigned that account to me. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have attached a copy of my W2 as proof of my previous address. I want to demand XXXX and the credit bureau 's permanently delete this tradeline from all credit reports.
Product: Credit reporting or other personal consumer reports

My information was combined with a person of similar name. I originally called TransUnion in early XXXX identifying the issue and sent requested information, on XX/XX/XXXX, and was told the account dispute would be escalated. Over the last 3 months instead of fixing the issue they have instead slowly replaced my information with the original information leaving me with a sunk credit score and incorrect information. Every time I call to try and figure out what is going on I am guided to restart the dispute claim and another minor detail on the credit report is edited to match my own.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX  I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the charge off in the amount of {$690.00} with Experian and XXXX XXXX IRS Publication XXXX, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report. On XX/XX/year> my dispute was completed but the charge off for {$690.00} was not removed from my report. This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately . In addition, I have provided Experian with IRS Publication 4681 and 26 Section CFR 1.6050P.1 and 6050P.2, which clearly establish that a Form 1099-C must be filed and provided to the consumer. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance I am Requesting { {$1000.00} }.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did applied for a loans XXXX XXXX   XX/XX/XXXX, The Equifax report was seriously delinquent.credits obligations unpaid. I had called Equifax and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, Adress XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. Equifax advised me to call the collecting agent XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE. XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified Equifax, Equifax investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to XXXX XXXX   and still they repor Delinquency Please help me
Product: Mortgage

Requesting Well Fargo Bank to resolve the missed payment. Wells Fargo refused to take ownership of their error.

We contacted Well Fargo Bank many times in regard to the missing mortgage payment of {$4100.00}. This check was issued to us in a form of XXXX XXXX cashier check payable to XXXX XXXX. We ( XXXX XXXX ) in turn used this check to pay our monthly mortgage at Well Fargo Bank. The mortgage payment went back to XX/XX/year>. 

We contacted Well Fargo Bank and the error caused by miss-applied payment. Well Fargo Bank informed us that they incorrectly applied to wrong account. 

We are not into this error XXXX years later and Well Fargo Bank informed us the check payment that we used to pay our mortgage has been cancelled and that the check is now no good. 

Well Fargo Bank informed us that we are now needed to work with our tenant ( XXXX XXXX who is a client of XXXX XXXX  ) ; who issued us this check {$4100.00} to re-claim the payment from them. 

Our tenants refused to honor this lost payment that caused by Well Fargo Bank after XXXX years into this ( XXXX XXXX who is a client of XXXX XXXX  ). 

We asked Well Fargo Bank to resolve this missing fund of {$4100.00} for us and any interest charged that we paid related to the payment we paid to Well Fargo Bank to be reimbursed back to us and fix this issue ; since Well Fargo Bank caused the problem to being with. 

As of today, Well Fargo Bank refused to take ownership of this error that they made because of mis-posting of our payment back in XX/XX/year>. 

We are asking your help to investigate this processing incompliance by Well Fargo Bank and refusing all the missing payment of {$4100.00} plus mortgage interest Well Fargo Bank charges us. This error cause by Well Fargo Bank. We hope you are able to investigate negligence of Well Fargo Bank compliances. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been unable to enroll in any kind of payment plan that lowers my student loan payments in any way. I have been filling out applications online and though the mail for over 6 months only to be denied each time on the base of missing information ... .incomplete information ... .leaving things blank ... keying in answers wrong ... .its always something. And I know that each and ever time I have filed the paper work correctly. I am being put into forbearance causing my intreast rates to soar though the roof. I have asked and begged for help with no respons from company. I have been given bad and incorrect information regarding my loans.I am also being harrased 7 days a week at all hours of the night and day to repay loans that were included in our bankruptcy. I have also applied for a case in the closed school causing me a worthless degree but each time they say if not filed that application corecctly either I am in need of answers and help!
Product: Payday loan, title loan, or personal loan

The company does not apply payments in a timely manner and its website does not have an accurate accounting of payments made or what the payoff balance is for a customer to pay off the loan. I believe this is in bad faith in order to keep customers in the dark about their pay-off options.
Product: Checking or savings account

On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits within three months of opening the account. On Friday, XX/XX/2020, I reached that objective. On Tuesday, XX/XX/2020, I logged into my Wells Fargo checking account and learned that the account had been closed by Wells Fargo. Ive attempted to call Wells Fargo customer service multiple times, and repeatedly get the message that They are experiencing unexpected high call volume and are unable to take my call at this time I also have my mortgage, 401k Retirement account and credit card with Wells Fargo. I believe the checking account was closed simply because I achieved the goal to receive the {$400.00} bonus.
Product: Credit reporting or other personal consumer reports

This vehicle was sold to XXXX XXXX at the end of the lease on XX/XX/year>. The dealership ( XXXX XXXX ) sent payment to XXXX on time. Every payment prior the end of the lease was paid on time as shown on my credit report. I also have proof of payments however it is showing my lease as 180 days past due. This is incorrect. Every payment on the life of this lease has been paid fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR XXXX AND 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I was never notified of any kind of debt, any kind of court case, no notification at all from this company. All of a sudden I checked my bank account and my bank account was frozen on a legal hold, never received notice that my bank account was frozen. Will not tell me my case after begging for information, find out a third party company bought " my debt '' and then attempt to call them to get verification of debt, they refuse to give me the verification of debt. They hang up on me, or tell me to call back every time I call to try to get my bank account unfrozen and get verification of debt. My " debt '' is being collected through a third party company called Weltman Weinberg and Reiss. I never received any kind of notification that this would be happening to me, my bank account is still frozen over debt that they will not verify and no one is doing anything to get my account unfrozen, or work with me. I do not understand how this is legal. The company will lie in a court of law and tell a judge that you were delivered paperwork when you were not, and then the judge will make a judgment because they think that you are negligent because you are not there, however you were not served the paperwork! Unbelievable that this is happening. My bank account has been frozen for two weeks and there is nothing that I can do about it. This is completely illegal.
Product: Credit card or prepaid card

Yes, I have on numerous times spoken with various specialists with XXXX   XXXX regarding my XXXX XXXX account with XXXX being the last one spoken with on XX/XX/XXXX. At that time I explain completely my financial hardship at that time, had no available income, job cut hours tremendously and with my other financial obligations of which I must live can not or do not have any extra monies for this account. I asked if it could be place on hold or postpone until I find a new job and was told no but that she will notate the account. Now just today and yesterday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they have placed my file with another harassing representative specialist by the name of XXXX XXXX, she stated on voicemail that she works at the company until XXXX XXXX EST and her telephone number was ( XXXX ) XXXX Ext. XXXX. This lady calls all times of day and sometimes I have had these calls come thru at night, whether it be her or someone else from this company. This affecting my health, I do not have any monies and continuing to call and harass me with these threatening phone calls will not help any monies come to me or the company at this time. I can not pay if I have no money. I want the calls to stop. They should not be allowed to continue to hound me. I know that I owe them and I will take care of this debt as soon as I am able, but I have no income of any kind to settle this debt at this time.
Product: Debt collection

Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting I am 30-90 days late which I have never been. I can not view my account transactions and they have failed to provide account transactions and history after multiple attempts via phone and email to request the account history. The representative I spoke with today stated I have never been 30/90 days late and that information should not be reflecting on my report.