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

XXXX, XXXX, and Equifax are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving Equifax and I believe I have been affected.
Product: Credit reporting or other personal consumer reports

Date Assigned XXXX  

Date reported XXXX  

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

DELETED FROM MY CREDIT REPORT VIA XXXX FOR IT NOT BEING MY DEBT. MY APT DOORS WERE KICKED IN. I DID POLICE REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Subject : Dispute of Two Late Payments Account Number : XXXX I am writing to formally dispute two late payments reported on my account under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). I believe these payments were reported incorrectly, and I request that you investigate this matter promptly. 

The disputed payments are as follows : 1. Date of Late Payment 1 : XX/XX/XXXX 2. Date of XXXX XXXX 2 : XX/XX/XXXXXXXX  In accordance with 15 U.S.C. 1666 ( b ), I request that these late payments be removed from my account and my credit report, as I believe there were errors in billing and the late payments were reported in error. 

Please correct this error on my account and provide written confirmation of the actions taken. Additionally, I request that you notify the credit reporting agencies of these corrections, as the reported late payments are negatively impacting my credit score. 

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by law. Please contact me at the phone number or email address listed above. 

Thank you for your time and cooperation. 

Sincerely, XXXX 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 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 seven years.

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

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX  XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Addresses show tooltip button Select as many as apply XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX P XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX NEED XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX TEXAS XXXX, TX XXXX APARTMENT XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX THST XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX COMPLEX XXXX XXXX P XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 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
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I wire transferred a total of {$7200.00} to XXXX XXXX XXXX for the purpose of crypto currency investments. The website stated Please note that the name on your bank account must match the legal name on your XXXX account for the wire to be accepted. I did not know this initially and I deposited the money using 2 different bank accounts that belonged to my husband and sister in law as we are all interested in investing. The wire transfer is suppose to appear in my account within 1-2 days and after I did research on why it hadnt arrived, I came to the conclusion it must be because of the different names on my Coinbase account and husbands/sister in laws bank accounts. However the wire transfers showed completed on both bank accounts with no funds in my XXXX account. I am worried the money is just lost now and Im out {$7200.00}. I debited {$250.00} from my husbands checking account and wire transferred {$5000.00} as well. Then using my sister in laws account, I wire transferred {$2000.00}. I have tried contacting XXXX  directly through their customer support number and no one answered after waiting in line for about 3 hours. I have also emailed them with no response. How should I proceed about this? What is the next step I should take?
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXX Opened XXXX XXXX, XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXX. Reliable Aut Opened XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Bank account or service

Last correspondence from Chase dated XXXX XXXX, 2016 confirmed that I was approved for loan modification under a Trial Period Plan starting with a 1st payment of {$2600.00} by XXXX/XXXX/2016. First time was made on time on XXXX/XXXX/2016. 2nd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016 and 3rd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016. Acceptance of the terms of the offer of the Loan Modification was to make the first monthly trial period payment in place of the normal mortgage payment. and subsequent trial payments. However, I received a Mortgage Loan Statement dated XXXX XXXX, 2016 reporting a past due amount of {$3200.00} and total amount due of {$6500.00}. 
This report is negatively reflecting payment as past due on my credit report and construed as derogatory.
Product: Credit card or prepaid card

On XX/XX/19 I made a payment of {$200.00} conf # XXXX. Also, on XX/XX/19 I made an additional payment of {$39.00} conf # XXXX. 

The {$39.00} payment I made on XX/XX/19 was not applied to my account until XX/XX/19. I spoke with XXXX on today, XX/XX/19 in regards to the issue and she said there was not anything that could be done to adjust the payment to the correct payment date of XX/XX/19. XXXX stated there has to be a 7 day delay in processing of check payments. The 7 day delay in payment is not Terms and Conditions, nor is it written on the disclosure on back of the statements. Company is unable and unwilling to adjust my payment date neither are they willing to adjust interest that has accrued over the 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts belong do not belong to me and are on all three credit bureaus XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$130.00} XXXX # XXXX {$900.00} XXXX/XXXX # XXXX {$0.00} XXXX/XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$0.00}
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 U.S.C 1681. 

Account XXXX. XXXX XXXX # XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX AccouXXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX # XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX # XXXX Account XXXX. XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXXXXXX  Account XXXX. XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section2 : 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 antidates the report by more than seven years.

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.
Product: Checking or savings account

I can no longer link my bank acct to online loans. This is very discouraging as this needs to be done for online services
Product: Credit reporting or other personal consumer reports

Experian is been reporting an inquiry by XXXX XXXX XXXX  on XXXX. I have no business with this company nor authorized them to run my credit.
Product: Checking or savings account

Dear XXXX, US Bank uses overdrafts in every way it can to charge their customers. They charge their customers excessively in order to add to their earnings per share. 

The following is my experience. I would not have received this kind of customer service at my other bank. 

I made several purchase from XXXX for the first time. I went to the bank to deposit an additional amount of money to account for the purchases. 

I was unware XXXX debited the account after hours for a purchase I believed I accounted for during reconciliation. 

U.S Bank normally debits the account immediately. XXXX debited the account after business hours and I was unable to deposit additional funds. I was unaware of this until I logged in. 

When I logged in, I saw an overdraft of {$36.00}. I called in to customer service to explain the situation and expected the {$36.00} to be refunded. 

I spoke to 'XXXX ID # XXXX. She put me on hold for several minutes. This was a simple housekeeping error. XXXX did not provide the 5 star customer service the bank advertises. After about 5 minutes, she stated she is unable to waive the fee. 

I was very unhappy and dissatisfied with the length of time it took for this minor housekeeping issue. I asked for her ID # and she would not provide it to me. I asked several times and she did not respond. 

I asked for a manager which took about another 5 minutes. XXXX ID # XXXX a a manager took over. She was unable to provide the 5 star customer service and stated she would not refund the {$36.00}. 

This bank chargers overdrafts in a manner that is excessive. This needs to be reviewed. They use the overdrafts as a way add to the earnings per share. 

This call I initiated should have been 5 minutes. Instead, US bank and its management use these situations to penalize their hard working customers. It is a very poor customer service tactic. 

US Bank does not care that I am a very dissatisfied regarding this conclusion. They are happy to charge me {$36.00}. 

I will be closing my accounts and using my other banking relationships. 

I will be relaying this experience to my attorney who will send a letter in order to get this on the record.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXXDuring this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

This is a formal request for removal of mistaken public information recorded on my credit report. I contacted Transunion, to reinvestigate this account I have previously disputed XXXX  XXXX Bankruptcy : Bankruptcy Ref # XXXX with you, and in response, you verified the item as accurate, But how is that possible if this was investigated by XXXX and XXXX and resulted in the same conclusion, a removal from my credit file. I have enclosed a deletion notice from XXXX. I notified TransUnion twice but TransUnion refused to fix and instead just " parroted '' back what the company said.

Under 1681e ( b ) maximum possible accuracy and section 1681i- which this was a lousy investigation.
Product: Mortgage

I received a 10 day pay off. The payment closing payment was received by the company about 4 days early, and all numbers magically balanced to  XXXX . They did move some  to Escrow which they paid out as expected. I know that they will write off a min amount if they are owed but did n't think if they owed me that they can just make it  XXXX . I made two calls to them to get this resolved and they just kept saying it was correct. The second call they said they would progress it to another department but I have n't heard anything in 2 weeks . I do n't think this is legal for them to just keep money owed even if its  XXXX  dollars. In both calls, neither rep to explain how they got the balance as  XXXX  other than it was right. I 'm pretty certain they are just keeping extra money from alot of loans at closing and either customers arent paying attention or they are willfully frauding them. The details in the payment history just dont add up to Principle/Interest/Escrow.
Product: Debt collection

On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This auto loan has been disputed multiple times to no avail. It shows as 120 days past due when it's been over 3 years since the last payment was made. This is a FCRA VIOLATION. I expect this to be removed from my CBR at once.
Product: Checking or savings account

During the week of XXXX I attempted to add my wife as a joint tenant owner of my already-existing HSBC checking account XXXX. Did this while calling XXXX. The phone agent asked for my wife 's social security number and phone number. The phone agent tried to send my wife a code to her phone, but that process failed for unknown reasons. One agent said that my wife would need I needed to speak with credit reporting agency XXXX. A supervisor man who I spoke with on XXXX as called from XXXX said that there was No remote route to having a joint tenant added if their phone & social security number entry process failed. But no agent can tell us why the process is failing. A person can go into a branch, but there's no HSBC branches near me and my wife. 

HSBC utterly and absolutely refuses, to add my wife as a joint tenant owner of my checking account XXXX. 

HSBC refuses to accept mailed-in identification verification of my wife. A phone agent supervisor told me today that mailed in info on this front, will not sufficient and will be rejected. 

HSBC can not tell my family why my wife 's phone number can not be transmitted to verification-wise. 

HSBC is a highly unfriendly, and hostile bank. Hostile to married couples. Hostile to families. Hostile, in general. And unhelpful. And rude. Iron fisted, and a brick wall.

Attached is a letter I have mailed to the CEO of HSBC North America. However I doubt this letter shall have any effect, but a phone supervisor already told me that mailed in info on these fronts will go nowhere and have no effect. 

HSBC refuses to add wives as joint tenants to checking accounts. 

When the adding process doesn't work, they have no workarounds, or even explanations as to why things don't work. They offer nothing but obfuscation and a brick wall.