23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

HSBC offered me a line of credit and a credit card. I applied and received a XXXX line. I can not get information on my account. My credit score was affected and I am unable to access this line of credit. I never received checks, or a card or anything from HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

AFTER REPEATED COMPLIANCE TO REQUESTS FOR FINANCIAL INFO - NO RESPONSE. NOT SURE WHY INFO IS REQUESTED - TAKING HOURS - AND FOLLOW UP EMAIL INQUIRES, CONTINUES NO REPONSE. 

MULTIPLE DATES OVER ONE MONTH.
Product: Payday loan, title loan, or personal loan

I called the company on or around the following dates to get assistance with applying for a loan to lengthen the terms and lower my payments of my personal loan that had an original amount of {$40000.00}. I was told that I had to wait 1 year from my original loan date which was XX/XX/XXXX to do this. The are the times I spoke with different representatives which provided this information. 

XX/XX/XXXX XX/XX/XXXX Im currently going through a XXXX XXXXXXXX XXXX  and was being proactive with getting my options to lower my payments. I called XX/XX/XXXX and spoke with an agent who transferred me to a supervisor XXXX to get assistance with a payment that wasn't reporting because of the delay in their system and also ask about the lengthening the loan and was told I didnt have to wait 1 year and could do it at any time but that I had to wait until today to apply so the payment could be posted. 

I called today and spoke with a rep who assisted me with the application and told me I was denied because of my credit. I currently have a few inquiries because Im trying to get out of this XXXX XXXX situation however if I was given the right and proper information to apply back in XXXX of last year I wouldnt have had this problem. 

I asked the rep to transfer me to a supervisor whose name is XXXX and he gave me incorrect info about fixing my issue and transferred me to XXXX agent id # XXXX in the finance management department who then transferred me to XXXX in the counseling department. 

Ultimately after I explained my situation she transferred me to XXXX who is a supervisor in the lending department and I explained that my right to apply months ago was taken away from me due to false information being provided by their company and he pretty much said thats not their issue. This has to be a violation of my consumer rights and prohibited me from having the option to have a lower payment which is causing financial harm to me.
Product: Credit card

I received a letter from Synchrony Bank stating they completed a review on my Belks Card acct. and a decision was made to close my account. This is the same bank I wrote a letter to close my Visa acct and responded that they will leave my acct open and lower my credit limit to {$520.00} after I wanted my acct closed. Now with the additional charges of late fees I received another statement with above credit limit additional fees. I thought I had closed this acct awhile ago. I do remember when I used my card years ago, I always paid the balance in full. they 're lowering my credit score. I am now on XXXX with little money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the XXXX  and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.
Product: Mortgage

On XX/XX/XXXX XXXX Mortgage paid {$5300.00} out of my escrow account to city of XXXX for our property tax. On XX/XX/XXXX they again took out {$5300.00} from our escrow account to pay the taxes which was double the tax payment due. Since then, our total mortgage payment was increased and our escrow account remains negative. We called trying to ask for refund to our account starting XX/XX/XXXX. Since we have called countless times and have been told varying stories from the representatives including being told that the taxes were not actually received by the city, the check had never been cashed and they were going to cancel it and give us our refund back, to the city is sending a refund and now we are waiting on the check to be received. It has been now over XXXX weeks since we were told that it would definitely be back in our account in XXXX days. I again called today XX/XX/XXXX and now they are saying they can not tell me when the check will be received and can not tell us how long it will take for them to refund our escrow account. Meanwhile we continue to have to pay a higher mortgage every month. This mistake was made by XXXX mortgage and the money was removed from our account and they have been unable to fix the balance after XXXX months of us calling and sending in written requests.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate a dispute I recently submitted regarding a XXXX charge-off reported by XXXX XXXX XXXXXXXX. I submitted my dispute less than a week ago, but Experian has already updated my file, stating that they will not remove the inaccurate information. This suggests that the investigation was superficial and not conducted thoroughly as required by law. 

Furthermore, the information on my credit report is inconsistent and inaccurate. The report lists me as being in charge-off status for different months each time I submit a dispute. These updates often result in changes to categories such as charge-off or past due with differing dates, making my credit report both confusing and unreliable. 

These actions are causing significant harm to my creditworthiness, as they misrepresent my financial history and may lead to unfair denials of credit, higher interest rates, or other negative consequences.
Product: Credit card

I purchased a king-size XXXX XXXX mattress topper from a seller on XXXX. The specific details were included in the listing including screenshots of the details and new price from the XXXX website. However, the seller sent me a king-size XXXX XXXX topper, a cheaper product that did not meet my needs. I made the seller aware of this issue but he refused to offer any recompense. Subsequently, I filed a dispute with Goldman Sachs, the issuer of my credit card, because I had been fraudulently charged for an item ( the XXXX XXXX ) that I did not receive. I provided screenshots of the listing, screenshots of my communications with the seller, and photos of the item I received. Goldman Sachs denied the dispute. I re-opened the dispute multiple times and each time it was denied. Goldman Sachs then put a note on my credit report about this dispute indicating that consumer continues to dispute after resolution ; however, I have not gotten any satisfactory explanation as to why Goldman Sachs is unwilling to acknowledge the fraud that took place or uphold their responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report closely through XXXX XXXX. Recently my credit dropped by XXXX points because it said I had a hard credit check. Looking into it, I found it was Bank of America that did a hard credit check on XX/XX/XXXX. I have no dealings with Bank of America, in not in any sort of process of applying for credit or credit cards, and actually have no debt to my name and I'm not looking to borrow money. I attempted numerous times to contact the bank but it's impossible to get through their automated systems unless you're there customer. There are no forms that they offer to file a complaint about an unauthorized hard credit check. I'm concerned that this is a sign of identity theft
Product: Credit card or prepaid card

Hello, My husband XXXX XXXX passed away last year ( XXXX XXXX ). 

I paid myself the amount of {$200.00} after his passing on XXXX XXXX. I called the company to let them know about his passing and closed his Apple wallet account. 

I was told later on by bank representatives and lawyers that I was not liable for debts in his name and that I could request a refund. 

I asked for a refund in XX/XX/XXXX by sending by mail all the documents they requested to issue the refund ( small estate affidavit, death certificate, bank statement justifying the payment I did ). They said there was no email I could send the documents to. 

I've been back and forth on the phone with them for months following up. They were saying that they didn't receive them in XX/XX/XXXX so I send the documents again on XX/XX/XXXX. 
I kept asking for an email where I could follow up but they said that I have to call them. 

They received the documents on XXXX XXXX ( I have the XXXX  tracking number delivery proof ). 
at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

I spoke with a representative on XX/XX/XXXX and they said they received the documents and that it takes a while to process the refund and issue the check for the amount of {$200.00}. 

On XX/XX/XXXX, I spoke to XXXX he said that they were processing the refund and that an email will be sent to my husband 's email box after one month before sending the check for {$200.00}. 

No email was received from Goldman Sachs today on my husband 's mail box. 

On XX/XX/XXXX I spoke to XXXX a supervisor, and she said that they will escalate and a supervisor will call me to help me ( in about a week ) They gave me case number # XXXX. 

I received no call as of today and no refund. 

Would you please help me resolve that issue, Goldman Sachs tel : XXXX XXXX XXXX Thanks for your help, Thanks, XXXX
Product: Debt collection

Upon looking at a credit report, I noticed a collection account from deville asset management. I seen there was a date from XX/XX/2016. I have not received any contact from such company explaining my rights to dispute. Also they have not been able to provide proper documentation regarding a contract between myself and deville asset. My original debt was with XXXX XXXX where I returned the vehicle too. Also XXXX XXXX failed to inform me of the 3 days change of mind clause allowing me to back out of loan in 3 days. I returned vehicle back to XXXX XXXX less than a year from sale. It was a preditory loan that would have me paying {$40000.00} more than the vehicle was worth. I have disputed the deville asset on through all 3 credit bureaus and they continue to illegally report this debt.
Product: Credit reporting or other personal consumer reports

Can not access my credit report. 

According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX which gave me a letter saying that they would ask the Credit Bureau to remove this from my credit as it is not mines. I have contacted your company and they said they would take it down yet. They did not has seriously affected my credit. 

and again they refuse to take it down
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed over my neccessary information to sagestream LLC as the representative advised me to do, to put a security freeze on my credit file. I was told once I fax over the documents to the secured fax number they will immediately put the security freeze on my credit file and mail the password to remove the security freeze and I have not received anything in the mail. I am starting to feel highly uncomfortable with sagestream LLC due to the fact that I am a victim of identity theft and I have called and left multiple messages and they refuse to return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is some XXXX I AM TRIED OF COMPLAINING AND THE ISSUSE STILL STANDS. 
The US DEPT OF EDXXXX is claiming the accounts are mine and validated yet they are wrong. I have no knowledge of said account, they claim the date the account was open to be different on all three reports. THEY ARE WRONG AND NEED TO DELETE THE ACCOUNT FROM MY REPORT. CLEARLY I AM XXXX BECAUSE NO MATTER HOW MANY TIMES I CALL OR WRITE THE ISSUE STILL STANDS.also no on asked for any fraud alerts to be added so remove those and my old address is report off one number so remove the address. XXXX was not the address it was XXXX.
Product: Debt collection

My complaint is against XXXX at Foreman Financial. Years ago about XXXX estimate time range, I bought and lost a XXXX XXXX. I was having my mail stolen as I lived in a XXXX  home. I did not get the court order to go to court and due to this lost the case. Regardless, the debt owed was presumed to be about XXXX. In which a judgement was passed on me for wage garnishment. I had my wages garnished until that amount and then randomly received a call saying I still owed XXXX and that he would begin to garnish my wages. I told him to do whatever he wanted and hung up. The second time he contacted me almost a year later and same argument but this time would not provide me any information and continues to tell me he couldnt give me a copy of the paper in front of him as it was not legal yet I have a transcript of his most recent voicemail. I also have proof of myself asking him for the total amount.
Product: Checking or savings account

TD Bank is my Bank and has been causing issues all through the pandemic. I continually had to call to have fees that were taken out put back into my account. The bank claims I was under {$100.00} so they charged me {$15.00}. The account was not under {$100.00} ever during the month of XXXX. Regardless, there is a pandemic still in XXXX and most of TD banks are not open. Those that are have waiting lines of 150+. Therefore Governor XXXX also explained that these additional fees should not be taken at this special time. I would like my funds returned and for the bank to stop these unethical practices.
Product: Checking or savings account

I am writing to formally report an incident of identity theft involving the unauthorized opening of a checking and/or savings account with Marcus by Goldman Sachs using my personal information. This incident was brought to the attention of Marcus on XX/XX/year>, in conjunction with my XXXX XXXX XXXX advocate. A customer service representative from Marcus filed a claim and forwarded it to the fraud department. We were informed that I would be contacted by the fraud department once the account was closed for fraudulent activity ; however, it has now been over 60 days, and I have yet to receive any communication from them. 

For your reference, I have attached an identity theft report filed with the Federal Trade Commission ( FTC ). 
In accordance with The Fair Credit Reporting Act, I am requesting an investigation into the matter. I am entitled to have the account closed due to fraud, be released from liability for all activity on the account, and to have the account removed from all consumer reporting agencies files.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. The fees were assessed despite having sufficient funds at the time the transaction were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This complaint is to inform you that as of XX/XX/2022 there have been 20 Consumer Report inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. I, as a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and Transunion has violated my right by allowing these transactions to happen. 

The following inquiries/transactions need to be removed from my consumer report upon receipt pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) : 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 Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as my written instruction.
Product: Debt collection

An account just appeared on my credit for Genesis bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. 
I aonly have partial account number avail XXXX this is what I see. 

NAME XXXX XXXX Last 4 of XXXX XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. 

Do i need to find my bankrupty lawyer to suppot? 

Thank you all for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$9.00}
Product: Checking or savings account

On XX/XX/XXXX I received an email stating my checking account on Current online bank is affectively closed, with no explanation. I was abroad at this time, and relied on my funds during my travel abroad.. I had a balance of over 10,000 in my account. Within this closure email no-where did it say how to retrieve/ move / option my funds.. I have emailed Current back and forth requesting more information in a professional matter along side with ways on optioning my funds as I relied on them during my travel. 
After about 5 emails, Current has stopped replying to me, and has failed to answer my questions regarding the last transfer, account amount, and a process on retrieving my funds. It has been over 2 weeks as Ive been in the silence. Ive tried to contact Current Bank a few times again but failed to receive a single reply even after explaining my reason behind them closing my account due to security reasons while accessing my account during my abroad stay. 
Ive also called current, but was automatically hung up as I heard a automatic message play your current account has been closed and an email has been sent to your inbox I had to use a different phone number to call from to speak with someone who said I should have received an email on how to option my funds ( which I have not ) and that my case will be escalated. 

It has been more than 10 days since that phone call with nothing from Current. 

Things like this can really financially hurt someone like it has to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX but is still currently reporting on TransUnion and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.