23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with Loancare regarding foreclosure alternatives and have submitted documents to be reviewed for assistance. After a few months, I was informed on XX/XX/2019 that I was approved for a trial modification from a representative named XXXX. I was told by XXXX the approval was being generated and would be mailed to me. I then called on XX/XX/2019 to see where the approval was as I had not received it only to be told the approval was never generated because they needed a proof of occupancy. The representative admitted that although she see notes indicating a proof of occupancy is needed, only one call was placed to me and nothing thereafter. I never received a call/voice message or document informing me I needed to provide that information as I have no issues providing what is needed.I was told this error would be sent to her supervisor to get the file re-opened so I can continue with the approval. I immediately emailed the proof of occupancy on XX/XX/XXXX and when I called back on XX/XX/2019 to follow up I was told the email was never received when in fact I had proof. I then emailed it directly to the representative I was speaking with XXXX whom advised she would be submitting a request to her supervisor to ensure this information gets to the underwriter so they can review the errors that occurred. I called back again on XX/XX/2019 to be told the " appeal '' is still being reviewed and can take up 30 days to make a decision. I am now worried they will not provide with the approval based upon the events that have taken place. I am ready to make my trial payment but they will not let me. I just want to move forward from all this.
Product: Credit card or prepaid card

My name is XXXX XXXX ssn ( XXXX ). This complaint is about my HSBC cash rewards master card ending ( XXXX ). My card was lost/stolen on or around XX/XX/XXXX. I left out of country on XX/XX/XXXX and just came back on XXXX XXXX, XXXX. This is when I noticed I didnt have my card with me. I checked my account online and find so many unauthorized charges/fraud activities. ( {$3000.00} ) I called HSBC right away on XX/XX/XXXX. I was told by the representative that I will be receiving some forms to fill out and they will start investigating. Within a week I received a notice dated XX/XX/XXXX that they have denied my claim. 

I was out of country and card was swiped in person in USA how is this even possible. I am ready to provide any supporting documents or proof. 

I would like to request HSBC to provide me the proof of their investigation. Also I want the phone number of their credit card operation director.
Product: Debt collection

The Company is CBV Collection Services. 

XX/XX/XXXX ( while in emergency hospital care with my daughter ) : Times : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 

All phone calls. I called back XX/XX/XXXX at XXXX and told them to take my number off the system and to stop calling and to contact me by mail only, the woman refused to and stated that it requires manager approval, I stated that was unacceptable and quoted harassment which was a violation of the consumer protection laws of XXXX. 

If they call me again, I will file criminal harassment charges, I had to block 7 different numbers already and they just keep auto calling with their system. If I answer it stays in call and empty for 4 seconds then hangs up again. 

Again 1 more bloody phone call that wakes up my SICK daughter with a XXXX XXXX, and I will pursue this to the fullest extent of the law and sue them for every bloody penny they are worth!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple credit bureau disputes, Equifax is the only bureau to not do a proper investigation otherwise they would have easily found out that XXXX made a mistake in reporting my 60 day late in XX/XX/XXXX. My wages are being garnished and was never late since it is automatically taken from my paycheck. I have attached the incorrect reporting by Equifax showing the lates. I have also included a screenshot of my XXXX chat on XX/XX/XXXX with the XXXX rep stated that they made the mistake and it would be corrected in 10 business days ( NOW EXACTLY 6 MONTHS LATER STILL NO CORRECTION ) AND I STILL CANT GET MY HOME LOAN DUE TO THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the XXXX forbearance plan and XXXX XXXX reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that XXXX XXXX sent to me. ( See Attached ).
Product: Checking or savings account

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVER opened or use the accounts listed below Im requesting the following information to be deleted from my Chex Systems XXXX report immediately. XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S .C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 15 U.S.C 1681s-2 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And 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. 
I sent a letter asking them to reinvestigate these accounts listed below because Collection XXXX XXXX XXXX  open XX/XX/XXXX account number XXXX is not my account and has another social security number that is not correct, this account is not accurate. 

Can you look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me to validate the misreporting on my credit report and update my XXXX XXXX and accounts found in my credit file.
Product: Vehicle loan or lease

in XXXX i purchased a used car from XXXX XXXX it was financed through Santander. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Around the time of XXXX we found out the our Loan was a charge off. Closed on XX/XX/XXXX with a balance of {$2700.00} I am not really understanding, because there is a Loan Amount on our CREDIT
Product: Checking or savings account

XXXX CLAIM number while i was working overseas in XXXX someone broke my safe in my room and took my debit card and started using it i visited my family in XXXX XXXX BECAUSE OF THE US sanctions with XXXX i coundt check transaccion / statement and had covid in quarentine i reported ones i was back in XXXX. i have filled a police report i have stated 100 times i didnt authorized nobody to use my debit card i want an official investigation or to go to adjudication. i have tried contacting the companies that where charged and was advised there where shipping to a forwaring company in XXXX and somewhere in XXXX not even my address. i returned to the us on XX/XX/XXXX. 
please help
Product: Credit reporting

I have outdated information on my credit report. Accounts are not reporting currently and last updates were XXXX 2015. It also shows my mortgage with XXXX XXXX as CLOSED and it is in fact OPEN and current! 

Their is a block on promotional marketing ( pre qual, pre approve, etc ... ) and I have requested at least 15 times to opt in to these and they wo n't remove the block. My address is incorrect and not reporting correctly and they refused to change it even after I submitted my documents
Product: Debt collection

I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Fraudulently opened Identity stolen XXXX XXXX with account # NA opened on XX/XX/XXXX and a balance of {$1100.00} XXXX XXXX opened with account # NA XX/XX/XXXX and a balance of {$760.00} XXXX with account # NA opened on XX/XX/XXXX and a balance of {$190.00} XXXX & XXXX XXXX XXXX XXXX with account # NA opened on XX/XX/XXXX and a balance of {$1700.00} Inquiry from XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX & XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Payday loan, title loan, personal loan, or advance loan

Title max had an inflated interest rate and hidden fees and tacked-on financial products i didn't ask for. Paid my loan in full. Then they repoed my XXXXXXXX XXXX, repoed it without notifying local authorities, of repo. I reported it stolen due to the lack of knowledge of the whereabouts of my vehicle I made. payments made on illegally charged fees and the interest paid on those fees, payments made on illegal loans, the loss-of-use of funds, the loss-of-use of vehicles that were wrongfully repossessed, I want replacement value of vehicle that was sold after being wrongfully repossessed.
Product: Credit card or prepaid card

Received a bill from XXXX XXXX for a credit card I did not open. 
2 purchases totaling {$960.00} 1XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX 's {$240.00} XXXX XX/XX/2021 XXXX, XXXX  XXXX XXXX {$720.00} Opened mail today Sunday XX/XX/2021 Tried to call XXXX XXXX credit customer service to dispute but the are not open on Sunday.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Repo

rting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I received a letter from XXXX claiming that I owed a large debt to them and they obtained a court levy to garnish my wages. I sent a request to them asking for proof of the debt and all I received were court papers and a listing with my name and a judgement dated back almost 20 years. They did reply with the original creditor name but no proof as to what the debt pertained to or was for no details for me to verify. And the paperwork from the court said there was a court date that I did not show up to but I never received any notice of a hearing.
Product: Mortgage

I have numerous times requested my PMI to be removed. The company continues to state my LTV must be under 78 % from the origination appraisal. The company has never been able to supply me with the origination appraisal, yet they state the amount is {$130000.00}. I have a current UPB of {$100000.00} as of my last payment made on XX/XX/2018. Through every calculation I have found to determine the Loan to Value, including the XXXX XXXX  website directly, this shows my LTV at 74.6  %, which is well below the 78 % requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]
Product: Credit card

I utilize credit karma and credit karma offered me a karma guarantee on a credit card that they were so sure that XXXX credit card company would approve my {$700.00} credit limit credit card and if i was denied i would get {$50.00} from credit karma. I applied for XXXX on XX/XX/2024 when my credit was pulled shortly after i received an email asking for additional information to approve my credit card which i found odd. i did comply with the request by XXXX XXXX XXXX and followed all the instructions and faxed in my information. in the email it outlines to wait a period of time for processing and i gave them double the amount of time needed and i heard nothing from them. under the fair credit reporting act i should be notified of a decision and receive that notification in the same means which in this case email they requested the information or by letter. ive received nothing from anyone. XXXX days ago i reached out to credit karma and you cant get an answer via support chat they email you and i cant get an answer calling and even when i spoke to a supervisor.. he wasnt trained and hasnt done what he said he was going to do telling me he was tied up. also im chat they said they were going to escalate the matter and i heard nothing in over XXXX hours and no one i was disconnected and the next person was just playing games pretending like they couldnt find my account but sent me all my account details etc etc. its a bunch of nonsense! i called them but they cant help over the phone. They then sent me an email stating i supposedly didnt complete my application which is complete XXXX. ive applied for other credit cards and get an instant decision from the same means so this is XXXX! i sent a random bank i dont know all my private info to apply for a credit card and since ive been trolled and spammed by them repeatedly offering me {$300.00} more then the orginal offer and to apply again to once again ding my credit. this is completely unethical, unprofessional and unnaceptable. there needs to be a decision and this didnt fill out my application XXXX when you apply through the app directly is nonesense especially after i even sent the additional information requested to approve or deny me, they just left it in limbo and blaming me to not follow through with their guarantee and i either want my credit or my {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.
Product: Debt collection

Today I received an  XXXX  alert stating that I have a new collection fro m Franks Adjustment bureau in the amount of {$480.00}. I have no knowledge of this account, I have also never received any correspondence regarding this account. I did some research also and I was unable to also confirm that this company is allowed to collect in my residential state of IL.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information Collections : 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
Product: Credit card or prepaid card

On XX/XX/XXXX a hotel refunded {$230.00} to my Wells Fargo credit card. 

On XX/XX/XXXX my statement had a " CREDIT BALANCE REFUND '' for {$230.00}. 

On XX/XX/XXXX I contacted Wells Fargo and they first claimed to have sent me a check. 

I have not received a check so I escalated and was then told that a check has not been sent. 

The {$230.00} is now in limbo and the bank has no idea when a check will be issued. 

I consider this to be theft of funds by Wells Fargo. This bank has a lengthy history of stealing from their customers. I don't want to spend months on the phone arguing with folks that have no control over this theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX MEDICAL Account Number : XXXX XXXX  CARD Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX CPS/XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

XX/XX/2018 BOA called my work # ( above ) asking for me again this is not the first time but I sure want it to be the last I dont need to loose my job This is not acceptable at the school that I work at