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

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than  30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to  locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
Product: Bank account or service

my husband received a check for approx. {$22000.00} from and inheritance recently in the form of an official cashiers check. I took the check to our Bank ( Bank of the West ) in XXXX, AZ and I was told that the funds would not be available for at least XXXX business days. I was told that {$200.00} would be available immediately, then in XXXX days {$4800.00} would be available and then in XXXX business days the remainder. I asked why that was since it was an official check. They said that there was nothing that they could do and it was just the way it was. I have since looked up the law and see that the funds should have been available the next day. I wanted to alert you to this situation. Thank you, XXXX XXXX.
Product: Mortgage

I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate. 
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given. 
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress. 
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender. 
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2022, {$500.00}, The company is call Arbor Professional Solutions and the woman threatened to take me to court due to the debt. She said unless payment and the check is shown they will take legal action. In order get the documents needed, it will take some time to get them from my insurance as I would have to send them back and then I could send them to this company. I contacted my city in order to ask for more information on this debt because I thought it was for thXXXX XXXX XXXX  that had happened. I had called the company that had sent off my information to this company and it turned out to be something completely different. It was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was sent bills but it had the city of XXXXXXXX XXXX address on it. It never stated it was for the XXXX  department for a bill, I was then told by XXXX that I needed to show proof insurance but it's past XXXX XXXX of that and nothing can be done. I was never notified of this, I sent responses with medical insurance information because it never said otherwise. I dealt with the XXXX, and XXXX  that day. So I don't understand why I was charged this when XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" noticed several unauthorized inquiries on fly credit report that I would like removed Infor them that according to the FCRA these unverifie and unauthorized items must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote Equifax credit agency on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX disputing certain items on my credit reporting and they never bothered to respond within the allowed legal time limit to either of my letters. The third time I even sent the letter with a return receipt letter which took months for them to sign the receipt, but I was finally able to obtain in for my records at the end of XX/XX/XXXX. 

It is now the end of XX/XX/XXXX and I have relocated since that time and forwarded my mail in which I am receiving all my forwarded mail, but nothing ever came in the mail from Equifax. 
Since they ignored my attempts, I am now reaching out to you to file a formal complaint.
Product: Money transfer, virtual currency, or money service

I have been a customer with HSBC Bank for over 5 years now. I have my personal and 3 business accounts with them. 

A month ago, I opened up a new business account, because I am in the process of purchasing a property. The purpose of the account I opened is because I am planning to purchase the property under the LLC. 

When I opened the account up, I let the manager " XXXX '' know what the purpose of the account was, and that I'll be receiving and sending out wires as needed to complete my purchase and all transactions needed for it. 

Today, XX/XX/2021, was supposed to be the day we close on the house. I went into the branch at XXXX XXXX and asked to wire money to my lender 's attorney for closing. The manager on duty " XXXX '' told me that HSBC has this policy that they do not wire money from business accounts from inside the branch, but they can from my personal. 

So we decided to move the money into my personal account, so we can process the wire. For wire transfers, they need 2 managers to be able to approve it, and XXXX was the only one in today, so he had to call another branch to get the 2nd approval. 

He called XXXX XXXX, the branch manager at the HSBC XXXX XXXX branch. She got on the phone and from the beginning had a nasty attitude, and after a couple of minutes speaking with XXXX, she demanded to speak to me. After answering her questions about the transactions in my account, she denied to release my wire. When I called her out on her bad attitude, she got mad, hung up the phone on me and proceeded to freeze my funds. All of this is completely uncalled for. I have never spoken to or been associated with this lady and she illegally put a freeze in my account. 

They have not only frozen my account, but it looks like they have gone ahead and closed both my personal and the LLC account I opened up for the purchase of my house. This resulted in putting me in a terrible situation with the seller of the house I am attempting to purchase. Now I am at risk of losing the house and my contract deposit because of this nonsense they put me through that resulted in my closing being canceled today. 

This is absolutely unacceptable treatment. XXXX XXXX needs to be held accountable for escalating a situation that was supposed to be very simple and straight forward. She should not be allowed to handle people and their finances. 

I am uploading my contract for the house and Operating Agreement for my LLC to prove that this entire situation has created a huge unnecessary set of problems for me.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with LendingPoint/ XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX XXXX/ Lending Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX LendingPoint also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/23 Experian allowed a company without any permissible purpose whatsoever to fraudulently obtain a copy of my Experian credit report. The company who fraudulently obtained a copy of my Experian credit report with permissible purpose is XXXX Co. 

Contacting Experian, they advise that inquiries can not be disputed. 

I also contacted XXXX XXXX and they refuse to do anything. They also refuse to explain how they even have permissible purpose. XXXX XXXX states that they are a credit card processor for various online companies. They further state that over XXXX years ago I made successful payments to a merchant that uses XXXX XXXX to process their payments. The transactions were normal and there were no problems. These payments were XXXX years ago. The FCRA does not show that this activity gives the company permissible purpose, especially since they were one-time events done XXXX years ago.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and 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 accounts 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 accounts XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00}
Product: Payday loan

I took loan out for {$350.00} I have paid about {$900.00} in interest and fees and they have debit my account {$460.00} to pay off loan which I have stopped payment. I did not authorize this payment. I was not informed when loan was taken out that payments I was making were only for interest and did not go towards loan.
Product: Mortgage

I have been trying to get a modification to save my home since XXXX. I have tried and tried and I have been in reviewing constantly sending documents and getting nowhere since at least XXXX. Finally I was told my file was complete and that I would have a decision within 30 days. That was on XX/X/17. It has been much longer than 30 days they are way over the time period they promised and are legally bound to meet. All they have ever told me since XXXX is that the file is under " manager review. '' They will never tell me what that means or how much longer it is going to take. I strongly believe they are just dodging my correspondence using stall tactics so that they can steal my home from me unlawfully. After many calls to Ditech I found out that the underwriter who has been stalling my line for over two weeks name is XXXX, and I am determined to find out the reason why XXXX ca n't follow the law and underwrite my modification fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, Transunion, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts : If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00}
Product: Credit reporting or other personal consumer reports

I have been disputing fraud accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update them immediately in my report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.
Product: Mortgage

Our homeowners insurance decreased significantly in XX/XX/XXXX following a review after fire codes in our area had significantly improved. Our insurance had just been paid from our escrow account so the insurance company sent a refund for around {$4000.00} to us & our mortgage holder. My husband spoke with Statebridge and they said they would submit a request for an escrow analysis. We never heard anything from them so he called again a few months later. They said that they didnt know anything so the customer service representative told him they would submit another request for escrow review. Several months passed so I called the lady told me the same thing. She would submit a review of the escrow and that she should know something the next week. I called the next week & she recommended that I write a letter explaining the situation so she could submit it with the requests. I promptly emailed my letter. After still no answers I called on XX/XX/XXXX and spoke with XXXX XXXX at Statebridge. He told me that they only do escrow reviews annually and that ours wasnt due until XX/XX/XXXX. I am very frustrated that after several months of them telling us that they would submit a request for a review that now they are saying it was never a possibility. Not only are they holding our {$4000.00} but they are also charging us around {$300.00} extra every month that is going into our escrow account.
Product: Student loan

The federal loan company has turned over my student loans which went into default to a collection agency Action Financial Service LLC And I’ve had the most difficult time reaching them. I would like to get my loans out of default and start building myself back up but no one is answering me no one is reaching out to me if you check the reviews of this company, I’m basically doomed
Product: Credit card

I paid my total balance due of XXXX on the due date of XX/XX/24. I have an email receipt dated XX/XX/24. I was charged a late fee of {$30.00} on XX/XX/24 and another {$30.00} late fee on XX/XX/24 and {$2.00}. minimum interest fee on the late fees. I received no email statements, even though I was forced to sign up for electronic statements, or I would be charged for paper statements. I received a phone call from Comenity Bank on XX/XX/XXXX saying they would like to hear from me- no information saying I had a balance due. I paid {$62.00}. on XX/XX/24 but learned moments later they were late fees. On XX/XX/24 I spoke to 4 representatives who all refused to refund the {$62.00}. They offered to refund {$15.00}. and later {$32.00}. but I could not accept the unacceptable offer. I was told from the first representative my payment was made 3 hours after the deadline. Their website claims they send paper statements until the balance is caught up. I have received no XXXX or XXXX paper statements and the representative confirmed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per XXXX, TransUnion, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.