23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had purchased a ticket from XXXX XXXX in XXXX using HSBC XXXX. Due to Covid-19, it was refunded later by XXXX XXXX and they sent the refund of {$3100.00} to the HSBC XXXX on XXXX XXXX XXXX. At that point my original HSBC credit card used for the purchase had expired so I contacted HSBC and their customer care said that the refund to the expired card would automatically go to the new HSBC XXXX. 

I kept waiting for the refund and called both XXXX XXXX and HSBC multiple times since XXXX XXXX kept telling me the refund was sent but I didn't see anything in the HSBC account and HSBC kept telling me they didn't receive anything. After three months XXXX XXXX gave me the acquirer reference number in XX/XX/XXXX and then when I showed it to HSBC, they told me that XXXX XXXX DID send the refund, but it was rejected by HSBC since it was to the old card. 
1 ) First, HSBC never informed me about the rejection of the refund in XXXX XXXX and even when I was enquiring multiple times, they didn't tell me about the rejection until XXXX XXXX. 
2 ) The HSBC customer care person had confirmed to me that the credit issued to the old card will automatically go to the new card, and therefore gave me wrong information. 

I filed a complaint with HSBC, case number : XXXX but they have not resolved it. 

I would like to receive my refund and it was due to HSBC 's error as they rejected it and now they are not helping me. I hope CFPB can help me. 

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

XXXX XXXX is on my Consumer report as well as my credit report for dates from XX/XX/XXXX to present XX/XX/XXXX and shows as a " collection '' or " no data for this time period ''. I have never used this insurance, and have had XXXX Car insurance since XX/XX/XXXX. I have contacted the company and was told they did not have a collection dept and they were not sure how to get me to the right person. I also contacted your organization, and was directed to to call XXXX XXXX as well. A ticket was created # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted my creditor in which I knew I was under a program due to my financial situation. My creditor told me to contact Innovis ( who states they are like a 4th credit bureau ), and request the most recent documents from the creditors they were listing on the report. After being put on hold for several times, the representative instructed me to go back to my creditors and request the documents. I knew the company was not legit because they only reported 2 accounts and amounts were incorrect.
Product: Student loan

in XX/XX/XXXX I was contacted numerous times about payments on the account, and was told that I was put on a forbearance for 3-6 months, was asked to send in paperwork, however my credit report was affected negatively. no-one can offer explanation.

in XX/XX/XXXX I have been making payments and still my credit report is negatively affected, interest keeps going up, and ballance shows to steadily increase. I have tried several times to call and speak about this but no-one can offer a reasonable explanation.
Product: Money transfer, virtual currency, or money service

I sent XXXX gbp to an online currency company called coinbase on the XXXX XXXX 2017. A few weeks later I still hadnt received the money in my online currency wallet so I emailed the company. They replied to say that they didnt accept GBP anymore, even though the option to trade on GBP is still on their app and website. This isnt a problem and I asked for my money to be sent back. They asked me to send a small payment of 6 with a SEPA payment to verify my bank account so they could return my money. The account was verified but I still havent had any correspondence about where my money is and when I can expect to get it back. Ive emailed their support team every day but they do not respond
Product: Mortgage

I spoke to an agent and let them know that my wife has lost her job around XX/XX/2020, around the time XXXX said that those who were not able to pay should contact their company ( mine being PennyMac ). I spoke with the agent letting them know that I would not be able to make the payment because I had to take care of my family since I was the only one who had any income at the time. I said I would not be able to pay until my wife got a job and had additional income, when I spoke to the agent and told them this they accepted. I had applied for forbearance and was approved. I had already paid for XX/XX/2020 did not pay XX/XX/2020, XX/XX/2020, or XX/XX/2020. I finally was able to get money to start paying again in XXXX so I called PennyMac again and told them that I would pay, the agent told me not to pay because I had to sign and notarize some paperwork, I did that and sent it back. When the agent received the paperwork the agent called me and asked if I wanted to pay the full amount upfront that I missed or if I wanted to pay at the end of my mortgage which meant that instead of 30 years it would be extended to 30 years 4 months for the missed months. Since I did not have the funds for the full amount I selected the end of mortgage option. The agent accepted and took the payment. I went ahead and made my payments after that I saw the normal price and an additional one which I found out was a lien on my home at a later date. I was in the process of refinancing my home and someone explained to me that I had a lien placed by HUD for about XXXX on the home that I was not fully aware of. On top of that, I am being charged a daily interest of XXXX per day on the home to pay it off before refinancing. When I refinanced with PennyMac before my cost was around {$100000.00} after paying for about 2 and a half years the cost has gone up past XXXX and I do not think that is right for me to be charged all this money unnecessarily when I spoke to the agent and had the understanding that the missed payments would extend my loan period by 4 months. How did I end up with a lien? Now I'm being overly charged just to try and leave this company. I am still dealing with the effects of the pandemic and this is not making life any easier. Not when I have done everything I can to not get myself into a more financial bind.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED EQUIFAX TO remove all inaccurate accounts and they continue to ignore all request. in fact EQUIFAX is by the worst credit bureau. They do not validate anything, I have asked equifax to mail information/contracts for all accounts and they have not provided anything. In my last complaint I filed with the CFPB complaining about a police and fire account that they are showing a XXXX balance which is false. this account is closed with a XXXX balance. This is one of the reasons I am filing a complaint again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove or update these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Please promptly eliminate the late payment and UPDATE this account immediately. 
XXXX XXXX XXXX Balance : {$300.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$370.00} Date Opened : XX/XX/XXXX I request that this account be completely removed from my credit report. Please take immediate action to delete it. 
XXXX XXXX XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of lexington law and credit repair company by using my informations for telemarketing and junk marketing by sending my informations to several telemarketing companies specially my phone numbers
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian
Product: Debt collection

This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.
Product: Debt collection

This is a debt from years ago that had already fallen off my credit report. There was no communication whatsoever from this company. This company has randomly popped on my credit report twice. First XXXX. The first time it popped up on XXXX  I disputed it and it was removed. The second time it popped up on my XXXX report.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the complete deletion of the inaccurate XXXX XXXX account ( XXXX ) from my credit reports. This account has been consistently reported inaccurately, even after multiple disputes and opportunities provided for correction. The reporting remains misleading and in violation of the Fair Credit Reporting Act ( FCRA ). 
The debt associated with this account was canceled, evidenced by the IRS Form 1099-C and the Certificate of Indebtedness. According to IRS guidelines, canceled debt is considered taxable income, not an unpaid obligation. Reporting this account as a charge-off is therefore inaccurate and misrepresents the nature of the account. 
Repeated Dispute Attempts Ignored : I have previously disputed this account multiple times, providing clear evidence of its inaccurate reporting and the cancellation of the debt. However, the credit bureaus have failed to take the necessary corrective action. This ongoing failure to validate and address the inaccuracies demonstrates a clear lack of compliance with the FCRAs requirements for accuracy and proper verification.it is evident to me that this account was not thoroughly reviewed or validated as required. The continued reporting of inaccurate information is not only damaging but reflects a disregard for regulatory obligations Violation of FCRA Standards : The FCRA mandates the reporting of accurate and complete information. Under Section 1681e ( b ), consumer reporting agencies must ensure that all information they report is verifiable and correct. By failing to investigate and correct this account in prior disputes, the credit bureaus and XXXX XXXX have perpetuated a false and damaging narrative regarding my creditworthiness. 
Demand for Deletion : Given the repeated failures to correct this account and the violations of FCRA standards, I now demand the complete and immediate deletion of this account from all credit reports maintained by TransUnion, XXXX, and XXXX. This account should not have been reported as a charge-off in the first place, and the opportunity to correct it has been disregarded multiple times. 
The failure to comply with this demand will leave me with no choice but to pursue further action to protect my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which us consider identity theft : INQUIRIES : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my ftc report and police report case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX ACCT # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I had an account with XXXX XXXX XXXXXXXX that was placed on seasonal hold until XX/XX/2022. XXXX migrated to a different billing system and did not transfer my information correctly. The last payment I made was on XX/XX/2022 for {$60.00} and my account had ZERO balance. I found out that on XX/XX/2022 XXXX sent my account to collections by mistake and I was charged a total of {$180.00} for unreturned equipment and other fees. I do not owe money on this account and the equipment was returned/exchanged on XX/XX/2022 when I got service in a new location. I called XXXX and also called Sunrise Credit Services to report and dispute this charge ( SCS Account # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 )  days late on the XXXX XXXX  XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

Excessive debits and disputed amounts were processed by XXXX XXXX for XXXX XXXX XXXX leading to an overdraft condition on personal checking account. 
Subsequent automobile accident and XXXX XXXX outside of XXXX XXXX   Branch service area left account holder unable respond to XXXX XXXX demands directly, outside of electronic communications channels. ( ATM/Debit Card and Online Account Management ) Huntington Bank shut down all electronic account access, and secure electronic communication links between customer and bank within days of overdraft correction attempts. 
Bank refused to discuss account issues, or resumption of secure electronic communication for out of service area customer with customers authorized representative. 
Huntington Bank subsequently, unilaterally closed my checking account to detriment of customer 's credit rating, and refused all reasonable attempts to rectify the overdraft situation electronically from outside the Bank 's physical service area.
Product: Debt collection

This is not my collection, it belongs to another person with same or similar name.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. Here are a list of the accounts : XXXX : acct # XXXX XXXX accounts XXXX XXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXXXXXX XXXX XXXX : acct # XXXXXXXX XXXX XXXX : acct # XXXXXXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, there were two unauthorized ACH payment refunds on my account in the amount of my XX/XX/2021 and XX/XX/2021 payments. I pay my card down at the end of each month. The XXXX payment was for {$630.00} and the XXXX payment was for {$490.00}. The ACH payment refund transaction added those amounts back to my bill. I have one bank account linked to this credit card, and the ACH payment refund was not paid back to my bank account. 

When I called to talk to Bank of America to resolve this issue, they said that it could take up to two billing cycles to investigate the claim. I am worried that I will be charged interest on the balance while they are taking time to investigate the claim. They also would not tell me where the ACH payment refund was sent. 

It has been tricky because there is no credit card 'transaction ' to dispute in their system. It only allows you to dispute charges that you made, not refunds that were sent out. I have requested a new card number because I believe that my account has been compromised.
Product: Credit reporting or other personal consumer reports

I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, TransUnion ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. 

Specifically, XXXX XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. XXXX XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. 

These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 

Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 

Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am sending this complaint as a follow up to once again asking for assistance to request the XXXX and TranUnion Credit Bureaus for the removal of inquiries from my credit reports. I realized that these inquiries were made in error or without my authorization. I understand that inquiries on my credit report can impact my credit score, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, I kindly request your assistance in promptly investigating and removing these inquiries listed below from my credit report. 
XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you