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

In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to XXXX XXXX  to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Product: Credit card or prepaid card

On XX/XX/2022, I noticed a charge to the Apple Store dated XX/XX/2022 in the amount of {$1100.00}. I did not recognize this charge, nor did I authorize said charge. Today, I still don't recognize the charge, nor did I authorize the charge, nor did I receive any product associated to the charge. The charge was made on the Apple Card. 

On the same day, I have used the Apple Cards various communication methods ( customer support number and Apple XXXX  text messaging ) to try and resolve this. I was shuffled around to Goldman Sachs ( the handler of the Apple Card ), to the Apple Sales Team, Apple Pay Team, and then Back to Goldman Sachs. 

The Apple Store representative could not find any charge in the amount on my card, nor were they able to find any charge associated to the card.

Being tossed back to Goldman Sachs, the recommendation was to file a dispute, which I did. The case number is XXXX. 

On the same day I also filed a police report with my local police, the XXXX Police Bureau, detailing the credit card fraud charge. 

Today, on XX/XX/2022, I received an email that the dispute was resolved and not ruled in my favor, thus I am liable for the {$1100.00} charge. 

On this same day I have contacted Goldman Sachs to request a copy of the information used in decision making and to understand what options I have left.
Product: Debt collection

HSBC. 

I, XXXX XXXX, had lost my job in XXXX. Notified the mortgage lender, HSBC, of the matter. I didn't land a job until approximately 3 months later, informed HSBC that I will began making payments in doubles until I was caught up, however, they had told me that there was a new policy stating that the whole past due amount ( totaling appx. 5000.00 dollars ) would need to be paid. Furthermore, no payment smaller than the past due amount would be accepted. 

At that time, it was winter going into spring, in XXXX New York. Therefore, I was behind in the heat and electricity, the car loan, and owed back payments in child support. There was no way for me to be able to pay the amount that was requested by HSBC. Hence, the house ended up in foreclosure. I could not afford a lawyer, at that time and still can not. 

After many phone calls, and time passing, the loan that had plagued my life, had been closed. The house was sold in an auction in XX/XX/XXXX of XXXX, according to XXXX XXXX XXXX XXXX ( contact info : XXXX ). Although, on my credit report it shows that the account had been closed on XX/XX/XXXX. I do not understand how they had closed the account on this date when I was still making payments until I was unemployed. To make matters more confusing, this Monday, XX/XX/XXXX, I received a notice via XXXX XXXX stating that I owe HSBC a past balance of {$120000.00} dollars, yet the loan was for {$55000.00}. Even more confusing is that it states that I made a payment on XX/XX/XXXX. I WAS LIVING IN XXXX!!!!!!!! THE HOUSE WAS SOLD ALMOST A YEAR BEFORE THEN!!! WHICH, I HAD NO PRIOR INFORMATION ABOUT!!!!! 

I called HSBC ( contact info : HSBC BANK USA NA CREDIT INFORMATION DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) looking for more info on the matter and they had directed me to XXXX XXXX XXXX XXXX. No one had given me any information proving to me that I owe the amount, yet there is still another account on my credit report showing that I do not owe HSBC anything. I will print a copy of the report and send it to your mailing address along with a copy of this complaint.
Product: Money transfer, virtual currency, or money service

Money transferred of XXXX $ from a Bank of America account to another Bank of America account via XXXX transfer using a phone number. The money never made it to the recipient. Called Bank of America and they say someone else has the money but I have to get court subpoena to get the recipient information and then take the person to court myself. I put in the correct phone number which is that of my son. Transferred money the same way before. Dont know how this is my fault to lose money like that. They say there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted an application to pre-qualify for an American Express card. I was denied. Reason given was " partcipanting in a debt management plan. Accounts under this plan were paid in full on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX  Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXX
Product: Credit card or prepaid card

I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet. You guys finally called and I was at the grocery store with a close to dead phone I couldnt finish the call. Im so sorry for the annoyance I could have caused.
Product: Checking or savings account

On XX/XX/XXXX, the co-owner of one of my accounts and I tried to make transactions on behalf of our children using our shared checking acct ( ending in XXXX ). The transactions declined. When I went in to move money from the associated overdraft protection account ( ending in XXXX ), the option and account disappeared from my account dashboard. However ; XXXX was able to see it on his end and had to move the money, manually, into the shared account to cover the transactions. 
I called US Bank on XX/XX/XXXX to find out what happened. They tried to tell me that only XXXX was associated with that OD account. Asked if I was associated with the account it fed to, they confirmed I was. I asked them why I could have this account and no longer have access the associated OD account. When they were looking into, after an hour on the phone, the line went over to Credit Card Services. They tried to transfer me back and I was hung up on. 
I need to know why, in the last week, I was suddenly dropped for an OD account associated with a checking account I co-own. Also, we both need to understand why OD is not rolling over automatically to cover transactions. As this was not happening, we were charged OD fees. XXXX and I recently paid off the balance of our OD account and have been having issues with this account since then. 
I do not see a way to get assistance directly from US Bank as I have been trying with no success. Furthermore, I do not see a Compliant and Grievance number I can call to assist.
Product: Checking or savings account

Beginning of XXXX I received my income tax on Venmo banking app. It was XXXX XXXX XXXX. I purchased was withdrawing money slowly paying bills and bought a car, eventually I was left with {$850.00} on my account and Venmo froze my account and said they were freezing my account do to suspicious activity and that I needed to upload photo of my drivers license to confirm my identity, keep in mind that was my rent money, i almost got evicted from my home and they did not care. So then I uploaded my drivers license to confirm my identity and when I did that they complete restricted my account from doing anything and said they are keeping my money and I cant do anything about it Ive tried many many times to get them to release my money to me atleast since I did as they asked and provided my drivers license to confirm my identity and on top of that never even did anything wrong or violate any of their terms or rules. They are refusing to realese my funds to me and every time I email them theyd end me the same copy and pasted email about how my funds are no longer available to me and they are keeping them. Please help I had to get a loan to pay my rent and I need those {$850.00}. My Venmo account information is Name XXXX XXXX My XXXX XXXX XXXX XXXX  Email on account is XXXXXXXX XXXX
Product: Mortgage

Dispute # 1 Shellpoint Statements sent to me contain incorrect data. 

To resolve this dispute/complaint I am requesting the prompt posting to my portal, or delivery by US Mail of corrected monthly statements for the periods ending on these 3 dates. 
Period ending XX/XX/2024 Period ending XX/XX/2024 Period ending XX/XX/2024 Specifics of my complaint. The current statements mailed to me, and currently posted to my portal, ending on the above 3 dates contain material data errors. 
Specifically, these statements contain the following incorrect data : Beginning principal balance Interest charged for the period Ending principal balance
Product: Mortgage

They called my neighbors  and call late and harrased me ,said i need to goto worktold them i was sick.etc
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. Under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my instructions.
Product: Debt collection

TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

The credit reports are report Inaccurate information regarding address linked to several Negative accounts. 
This address was never my address. XXXX XXXX  was my previous address until my current address. 
WrongAddress is as follows XXXXXXXX XXXX XXXX XXXX Ky XXXX
Product: Mortgage

I bought my house on XX/XX/XXXX and I closed with down payment assistance since this was my first home. They offered me a down payment assistance through a second lien with XXXX XXXX  XXXX XXXX XXXX and it was forgivable at the anniversary # 3 which will be XX/XX/XXXX. I started receiving letters from Wells Fargo trying to collect the money I received at the closing of the home from the down payment assistance for the amount of {$6600.00}. I called them since I was completely in shock at this new information but they don't give me other options than to pay in full this amount. I verified my closing documents and no where to find that I need to pay back at maturity if I don't sell, refinance, transfer, or not use the home as my primary residence. 
I dont know if it had to do with a forbearance due to XXXX but the bank did not advise that this would harm me financially. I believe this is not my error.
Product: Checking or savings account

I had a business bank account at bank of America and money would become missing from my account I would be charged twice for transactions I would be charged extra fees and overdraft fees all my checks would be held for up to 3 weeks to verify funds even though I've never had a check bounce from a customer this has been going on since I opened the account in 2020 I called bank and never got a answer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX  XXXX  XXXX Account number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute.

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

XXXX XXXX XXXX is still reporting me missing payments ... ..like last month ... .when car was returned to them in 2012 and I was told it would be resold and I would be notified of any shortfall I would owe. Account was closed in 2012. I later wrote to them requesting information on the sale of the car, to whom sold, and for how much as my attorney said they had to do that. Nothing back from them. My attorney suggested that they were leaving the debt on me and had pocketed any resell cash from a " friendly '' party. I would like them to cease and desist once and for all reporting against my credit as if this were an ongoing loan and I am missing payment! 

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

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The Late Payment Status is incorrect. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXXO Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

15. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my XXXX XXXX account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
Product: Debt collection

Experian XXXX and XXXX are allowing companies disguised as debt collectors threatening with letters made up to look like court documents after attempts to tell them that they should not contact me. This is affecting my opportunities to fair credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i have previously contacted XXXX, XXXX, and Experian on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were recently or previously reported on my credit report and are not my accounts. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Discover Bank- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX