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

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My HSBC account manager Mr. XXXX XXXX and I had emailed several times since XX/XX/2020 to discuss about my account closure. I also contacted HSBC customer service to ask about my account closure because Mr. XXXX kept telling me that it would take several months to close my accounts even though my accounts balance was XXXX already. HSBC customer service agent also deceived that my HSBC IRA account left open because I would receive the dividends in future. 
I submitted my complaint to XXXX  to sue HSBC on my account closure and over charging me for the closure on XX/XX/2020. 
Mr. XXXX XXXX called me at the middle of XX/XX/2020. Mr. XXXX told me that HSBC only gave me {$50.00} ( annual maintenance fees ) back, but HSBC would not give my {$140.00}, {$98.00} ( termination fees ), and two {$95.00} transfer fees back. Mr. XXXX also told me that my both HSBC accounts were closed. 
I received a letter from HSBC Vice President and Compliance Officer, XXXX XXXX, responding my complaint on XX/XX/2020. The letter also confirmed that both my HSBC accounts were closed. 
Therefore, by the middle of XX/XX/2020, I thought my complaint to HSBC was closed even though I felt unfair that HSBC had charged me so many fees for my account closure. 
On XX/XX/2020, I received HSBC statement of XX/XX/2020 for my account again. I was shocked. I sent an email to Mr. XXXX immediately asking him why my HSBC account still was open. Mr. XXXX responded me that my account had been pending for closure and I received {$3.00} refund from HSBC. 

HSBC is not honest to me. It has been playing the games on my account closure. 

On XX/XX/2020, I submitted my reopen request to XXXX  online. On XX/XX/2020, I received a letter from HSBC wealth sales manager XXXX XXXX wrote on XX/XX/2020 to respond my reopen request. 
This letter obviously was written before my complaint reopening request. It reflected how HSBC handle my account closure from top management to branch account management. 

I have not received any other responses from HSBC responding to my complaint reopening request so far. 

I require that HSBC closes my account immediately. I also require that HSBC refunds me {$140.00} and {$98.00} ( closure fees ) back. 

I attached the copies of emails and documents from HSBC regarding my account closure. 


The attached was the letter HSBC written on XX/XX/2020 and sent me on XX/XX/2020. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have a debit card with venmo I had a 100 % of my check deposited into the account I went to pay my XXXX bill which is my bill for my cable as soon as I paid it I went to go pay a friend back who loaned me a {$100.00} a week before my account stopped they told me it was suspended and wouldn't tell me why that I had to read their 7 pages of pro XXXX pages of privacy but it doesn't tell me why my account was put on holder suspended called over after 45 minutes of speaking to the 1st person he couldn't help me the 2nd person transferred to a supervisor after an hour and a 1/2 After speaking the supervisor he said he would take care of it and get someone to get ahold of me by escalating it he sent me a form where I would send my driver 's license back which I did as soon as I was done doing that then he decided that he would say
Product: Student loan

In 2018 my previous university basically forced to take out a private loan so they can pay the rest of my school tuition as I can remember my XXXXXXXX XXXX was not enough, at that time I was enough naive to consent and made me sign documents, within those documents I was naming a co-signer who happens to be a close friend. But because I decided to go back to graduate school I was not supposed to repay, but these people kept sending docs to this friend about this loan because I was not paying because I was in school, anyway this entity DISCOVER/Student Loans has been harassing this friend with the intention to intimidate her/me. I just finished my school and I am looking for a job to I can repay this loan, but would like to know what my rights are as I feel a co-signer should not be punished if the main borrower ( me ) can not pay. So just need some advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a car loan with XXXX XXXX XXXX XXXX since late XXXX. Since XX/XX/XXXX, they continue to report my account as past due even though I have provided documentation over and over again that I have never missed a monthly payment in that timeframe. I've submitted dispute requests to Experian and XXXX, but so far those efforts have been futile. I have uploaded documentation here yet again showing that I am on-time with my payments despite my credit report continuing to show that I am 30-59 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Account XXXX XXXX XXXX XXXX XXXXXXXX From the first statement XXXX, Synchrony Bank did not apply payments correctly or on time resulting in late fees. and frustration with customer service when trying to resolve the many issues. On my account there is a long and detailed history of communication, approximately 50 messages and many recorded phone calls. 

Finally XXXX years later, XXXX XXXX XXXX XXXX XXXX XXXX Consumer Relations reviewed my file XXXX ( attached ), acknowledged the error by Synchrony, and attempted to clear all late payment and interest fees charged to date. However, immediately on the next statement and subsequent statements there were again interest charges and/or late fees. 

Given the clear history of cheque-processing problems starting with the first cheque ( as acknowledged above ), I requested that the XX/XX/year> {$41.00} late fee with payment posted XX/XX/XXXX be waived but was advised by XXXX XXXX that the threshold of waiving had been reached. 

My promotional purchase debt has been paid in full as per the contract, the last payment of {$110.00} on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX auto account XXXX has violated my rights, XXXX XXXX XXXX section XXXX states i have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : a creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Student loan

On Friday, XX/XX/XXXX, I tendered payment on my student loan. I was informed that processing the payment would not occur until Monday, XX/XX/XXXX. It was explained to me that Nelnet was unable to accept payment on non-business days. This is a reasonable policy that most business, courts, and other industries follow. Unlike, these other industries Nelnet has decided to continue to toll time against me during the weekend. My due date is Sunday, XX/XX/XXXX. As a result, I was informed that even though I tendered payment two days before my " due date '' I would still be considered late as the payment will not be processed until Monday, XX/XX/XXXX. This policy is counterintuitive and unjust. If a loan processor can't accept payment on the weekend then why do I have a due date on a weekend? The due date should be changed to the next " business '' day. This seems like a policy that is designed to collect late fees and potential harmful to other individuals. I would like the CFPB to investigate the business practices of student loan processors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FNB OMAHA during covid stopped sending mail to my location and never notified me. I missed payments due to covid related instances. They hit me with late payments on my credit. I have paid up to date and requested if they would take the negative marks off my credit since covid has impacted me. They refused.
Product: Student loan

I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Equifax in XX/XX/2020 that a creditor was willfully and recklessly reporting false info to the Credit Reporting Agencies after being notified of the reporting error and of Equifax 's failure to investigate and correct the error. Creditor is reporting " inaccurate Date of Last Activity '', " Inaccurate Balance '', and " Inaccurate Remarks ''. 

Attached is a screenshot for your viewing.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can to be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

All conspired, XXXX, XXXX, Transunion, and XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Each of these third-party credit reporting agencies has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX, TransUnion, XXXX, XXXX, and XXXX XXXX XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as all have caused theft, sold my property from one agency to the other without consent, teamed up with the credit furnishers who are prohibited from sharing, transferrin, passing around, trading, etc information without my consent or authority, they and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 Each of these entities is still breaking the law. each of these credit agencies is trading, passing around my private information for profit committing crimes against me as a consumer without lawful authority..
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 it is needed to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I'm the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. The financial institution and the consumer reporting agencies Experian and XXXX do not have my consent. Any and all consent to Experian, XXXX, whether it be verbal, non-verbel, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A Financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is giving an explanation of how the consumer is giving an explanation of how the consumer exercise that nondisclosure option. Never was I informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 conviction of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again with out my permission which is against the law. 15 U.S. code 1681s-2 ( a ) ( 1 ) A states " 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. 15 U.S code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section reports to the purposes listed under section 1681 b of this title. Experian and XXXX are not maintaining reasonable procedures, also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Put what you think would be a fair resolution to the issue.
Product: Vehicle loan or lease

I purchased a used car from CarMax in XXXX. We arranged financing with our credit union, and we're prepared 2 go back home, a two-hour drive, and pick up the check the next day and return to pay off the vehicle. However, our sales person, XXXX XXXX, said that was not necessary. Rather, we would sign the paperwork for a CarMax loan, and have the credit union overnight the payoff. And as long as the payoff arrive within a week, the loan would be cancelled and no further action required. So we arranged for the check to be cut right then in there, while we were filling out the paperwork. The credit union cut the check on the XXXX and overnighted it. I called carmax on the XXXX and got verification that they had received the check for the full amount of the purchase. Nearly two months later, I received a phone call from CarMax, stating that our loan with them was in arrears because I had made no payments on the loan. I told them that we had paid the loan off within two days of making the purchase. I subsequently received another phone call a few days later stating the same thing, you are now in arrears with your loan. The name of the person was XXXX. I asked her to speak to a supervisor and get someone on the phone 2 determine why they were not cashing the check from the credit union. at one point they said they had sent the check back to the credit union. A few minutes later, they said no, they had the check and I would apply it to our account. Today I got another phone call from a specialist name XXXX who said that the check had expired because they never cashed it oh, and they wanted me to provide them with another check. I can't provide them with another check, and they need to contact the credit union and get the credit union to replace the check that they never cashed. we have spent hours on the phone with them so far, and they insist that they can not send me anything by email, by text, or by mail oh, the only thing they can do is tell me on the phone courses of action that they want me to take, to fix there office problems! At this point I do not know what else to do. This does not seem legal that they can refuse to accept check to provide for the payoff of the loan.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$950.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$3000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$58.00}
Product: Student loan

they did n't fulfill my income based forgiveness application but tagged on a bunch of interest plus a huge monthly payment
Product: Debt collection

On XX/XX/2019 Nissan finance called me at work. Never attempted to call my cell phone. Advised me I was 11 days past due. I told CSR I had made a half payment 2 weeks ago and I was going to make the other half XX/XX/19 but please do not call me at work. I made a full payment on XX/XX/19 online early that morning. At XXXX they called me at work again to collect this debt. After a full payment had been made online and i am currently a half payment ahead. This is harrasment. I have a clean pay history with Nissan. I have 2 vehicles financed through them and have been a long time customer. I advised the CSR that called me this morning i would file this complaint.
Product: Debt collection

I have informed all 3 credit bureaus about this loan I did not open under the creditor " Marcus by Goldman Sachs ''. This account was opened in XXXX for $ XXXX in XXXX. After speaking with Marcus by Goldman Sachs I was informed that the account was 1 ) Opened Online 2 ) Never had a payment made on it 3 ) Was not acquired/signed for in person. Therefore there is no proof I ever received this. My credit has been exemplary and this account blemish has brought my credit down from XXXX to XXXX. My credit line has never shown a personal loan like this and I have been on time with everything. 

I submitted an original FTC complaint XXXX on XX/XX/XXXX and in coordination with XXXX  and communicating with Goldman Sachs they acknowledged this was most likely fraud and removed the error, this was resolved back in XXXX. On XX/XX/XXXX the disputed account popped back up. Dropping my credit score yet again. 

Marcus by Goldman Sachs needs to own their error and stop punishing those who did not open a credit line with them. The only credit line I ever had with Goldman Sachs was an XXXX XXXX which I always paid on time and they forcibly closed on me as retaliation after I submitted the fraudulent report on the unrelated Marcus by Goldman Sachs. 

This is the 2nd time I'm having to deal with them. Please help me get their fraudulent writeoff off my credit report.
Product: Credit reporting or other personal consumer reports

I sent letters to all the credit bureaus and the creditors on XX/XX/year> with proof of police report, and a copy of the credit report. I believe I was the victim of identity theft on this particular account.