23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed personal information that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Mortgage

Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up.
Product: Consumer Loan

I took a car loan through Santander Consumer USA and it has been downhill from that day. My vehicle has been repossessed TWICE. The second time was all because of a {$1.00} short pay, which was the customer service agents fault. I called in to make a payment and they gave me the incorrect amount, I paid and a few days later I went to leave for work and my car was not in my driveway. I have been charged OUTRAGEOUS fees ... I 'm talking thousands of dollars. Now, after making XXXX payments of {$360.00}, my loan balance has n't budged! It is still the same from the day I got the vehicle. I have paid over {$4000.00} and according to Santander, it 's all going towards interest and that I still have an interest balance of over {$1000.00}. How is this even legal?? Not to mention they call 1-2 times DAILY, when you 're past due ... which is incredibly excessive. When I have called to complain about my payments not going to my balance I get the same robotic response telling me this interest is accruing DAILY and that is why it is so large. So basically, Santander feeds on those with low credit scores and then robs them blind. This car can never be paid off, EVER, because Santander keeps it 's customers from paying off their loans. They are doing this so they can continue to make money off interest and they are so quick to repossess and I believe they do this to make even more money. Please help us unfortunate enough to get stuck under Santander!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue obtaining my credit report with  XXXX , Equifax and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot  of one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one  star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Product: Student loan

XXXX XXXX I was called and harrased to try and make a payment I could n't make. I had called in XXXX to let them know I lost my job after a good year of making payments. They said there is nothing they can do and I do n't qualify for anything. I called few days later to make not a whole payment but a partial because I had gotten some money unexpectedly. I was told me and my cosigner would stop being called 2-4 times a day. None of the calls stopped. Now they say I ca n't be taken off the calling list. This is the worst company I ever worked with. My other loans a through XXXX and they are a much better company than this scum.
Product: Student loan

The school was fraudulent. The loan is supposed to be forgiven, its negatively impacting my credit. I'm in the process of purchasing a new home, and I need this debt to be removed.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate and incomplete information on my reports for over 1 year since XX/XX/year>. The credit reporting agencies has failed to do a proper re/investigation. This violates my consumer rights. As a consumer, I have the right to dispute any inaccurate information on my credit report, and the credit bureaus must investigate your disputes promptly. 

See attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Dear Consumer Financial Protection Bureau, I am writing to address the severe distress caused by the findings of my recent investigation into my credit report. The discrepancies I uncovered have contributed significantly to my emotional distress and have highlighted the urgent need for accountability in the reporting practices of credit agencies. 

It has come to my attention that certain items on my credit report are unverifiable, invalidated, inaccurate, and highly questionable. Despite the mandates of the Fair Credit Reporting Act ( FCRA ), these discrepancies persist without proper resolution or rectification. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is unequivocally stipulated that all information reported on credit files must be 100 % accurate. The presence of these inaccuracies not only undermines the integrity of the credit reporting system but also directly impacts my financial well-being and peace of mind. 

It is imperative that the Consumer Financial Protection Bureau takes swift and decisive action to ensure that credit reporting agencies uphold their obligations to maintain accurate and verifiable information. By allowing such inaccuracies to persist unchecked, these agencies fail in their duty to consumers and perpetuate a system fraught with uncertainty and injustice. 

I implore the Consumer Financial Protection Bureau to investigate these matters thoroughly and to hold credit reporting agencies accountable for their failures to adhere to regulatory standards. Every consumer deserves the assurance that their credit report reflects an accurate and transparent representation of their financial history. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and restore confidence in the credit reporting process. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect addresses on my report. 

XXXX XXXX XXXX XXXX, XXXX, FL. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX
Product: Checking or savings account

Dear XXXX, I opened HSBC Premier Checking Account under a {$450.00} Welcome Deposit Bonus offer on XX/XX/2021. 

In order to receive the Welcome Bonus, HSBCs offer required me to make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to my HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening. At the time of application, I saved a printed PDF of HSBCs offer that mentions date of application : XX/XX/2021, and lists HSBCs website/URL listed at the bottom of the PDF where I submitted this application. Please see HSBC Checking Account Welcome Deposit Offer - XXXX PDF attached with this complaint. 

I have already met the Direct Deposits totaling at least {$5000.00} from a third party to HSBC Premier checking account for 3 consecutive calendar months requirements by XX/XX/2021, and therefore, I qualify for the Welcome Bonus as promised by HSBC as of XX/XX/2021. Please refer to HSBC Account summary and transactions- XXXX PDF as evidence. However, HSBC has been constantly denying my welcome bonus by alleging that the account was not opened using the correct promotion code, even though their own websites HSBC Checking Account Welcome Deposit Offer - XXXX PDF clearly instructs the applicants to submit an online application using Apply Now button shown on the PDF which I used to open my account. 

Over the past 3 months ( from XX/XX/2021 till the end of XX/XX/2021 ), I have made repeated attempts to resolve this issue by contacting HSBCs customer support at XXXX, but HSBC has been denying the bonus even after following up with Customer Support for mor than 10 times over the last 3 months ; and even after HSBCs customer support representatives themselves confirmed that I have met all the requirements of their bonus 3 months back. Their representatives keep telling me that they have followed up with the concerned Marketing department and that they will follow up with me in 3-5 business days, but I have never heard back from HSBC in the stated time frames or have been given any concrete response to my requests. 

I would be highly obliged if you can please push this matter through with HSBC and please have them issue a {$450.00} bonus to me as promised in their offer shown in the printed PDF HSBC Checking Account Welcome Deposit Offer - XXXX under which I opened my account using their online application system. 

Many Thanks for your kind attention to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Late Payment XXXX XXXX Bank XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX  XXXX XXXX Late Payment XXXX Bank XXXX Late Payment XXXX XXXX Late Payment
Product: Checking or savings account

My. Acct was closed back in XXXX  had XXXX in my acct, I was hit with fees wells Fargo never resolved it and they never removed the fees and closed my acct. Never got my money back.
Product: Debt collection

I had a medical bill that was owed from XXXX 2009 for {$540.00} to XXXX HospitalXXXX @ XXXX XXXX XXXX, XXXX XXXX TX XXXX ph # XXXX acct # XXXX. The collection agency Commonwealth Financial systems Inc ph # XXXX sent me collection letter on this. I pulled my credit to see that they had the same amt XXXX on my report. I called XXXX Hospital/ XXXX XXXX Services and the bill was due which i moved and did not get the bill. I settled the acct on XXXX for {$160.00} and paid it and told the rep that the XXXX acct they had was a dup acct and they were supposed to contact client on matter which has not been done. I called the client to find that they do not know who Commonwealth Financial systems Inc is. The client said they work with XXXX XXXX XXXX ( collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ph : XXXX and they also have the account and balance and they do not know who Commonwealth Financial systems Inc is. I called Commonwealth Financial systems Inc and spoke to the collection manager XXXX XXXX XXXX on XXXX and told her all of this and she stated that they will not call the client and that I needed to resolve this even if they have the wrong details and will not contact the client to resolve. Therefore I consider this FRAUD and they have been paid nd I have a letter from them showing it was settled for {$160.00}. I need your help in resolving this matter due to they are reporting on my credit.
Product: Checking or savings account

I tried to close my Wells Fargo checking account on XX/XX/2021. I went to my local Wells Fargo branch in person and told them I wanted to close my account. I was told that I had to make an appointment with a banker to close my checking account and that a teller was unable to do it, but the teller offered to let me withdraw my funds and told me I could call the number on my card to close my account. I withdrew my funds and called the number and was told that I could not close my account because of a pending transaction, which was the transaction of me at the bank withdrawing the money from my account. They told me to call again later. I called again today, XX/XX/2021, and they have charged me a {$10.00} fee for having low funds in my account on XX/XX/XXXX because I took the money out of my account. The bank does not want to let me close my account until this is resolved. The service fee is a result of the bank not letting me close my account after 2 requests and is unacceptable. It is not the amount that is the problem.
Product: Credit reporting or other personal consumer reports

Dear Synchrony Bank, I am writing to formally dispute the reporting of my settled Synchrony Bank account and to request its removal from my credit report. I am also requesting the issuance of a 1099-C form, as required by IRS regulations . 

Facts of My Settlement : Original debt : {$1600.00} Settlement payment : {$670.00} Forgiven amount : {$1000.00} ( exceeding the {$600.00} IRS reporting threshold ) Requests for Resolution : Remove This Account from All Credit Bureaus : The account has been closed and settled, and the remaining balance was written off. Given that there is no outstanding balance or financial obligation, I request that Synchrony Bank removes this trade line from my credit report with all major credit bureaus, including XXXX, XXXX, and XXXX. 
Additionally, I request that it be removed from any third-party reporting services such as XXXX XXXX to ensure the account no longer impacts my credit standing. 
Many creditors offer goodwill deletions in cases like this, and I ask Synchrony Bank to do the same. 
Issue a 1099-C Form for the Forgiven Amount : Since the amount forgiven was $ XXXXwhich exceeds the {$600.00} reporting threshold under IRS Section 6050PXXXXXXXX XXXX is required by law to issue a 1099-C and report the cancellation of debt to the IRS. 
I request confirmation of when this 1099-C will be sent to both me and the IRS.
Product: Student loan

Mohela is preventing me from paying off my loan balance in full and has failed to provide me with an accurate loan payment history upon request. Mohela requires payees to use their Payoff Calculator to pay off a loan in full ; however, the calculator has been " down for maintenance '' for weeks preventing me from paying off my loan and forcing me to accrue unnecessary interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. 

In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXXXXXX XXXX prior to it being 30 days late. However, XXXX reported it as 30 days late to the credit agencies. 

It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.

In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. 

Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX
Product: Checking or savings account

I have been denied access to my account and the company makes it impossible to speak to anyone regarding the issue. I've attempted to verify my identity in every way they proscribe, and several others as well. My complaint is not so much about the fact that I've been denied access to my account, but it pertains to the lack of a real escalation process in place at the bank ( which is not really a bank technically I suppose ) Chime. 

The access was denied yesterday - I noticed it around XXXX. I stayed on the phone with Chime customer service for hours last night being repeatedly told that there was nothing I could do but wait for the fraud department. I was never given any sort of number to track my case, and it seems that every time I contact them, the process starts over. 

Ultimately, we as consumers are paying the cost of Chime can offshoring customer support, giving the agents very little training, and not empower them to solve problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Countrywide used a bait and switch at the time of the Mortgage signing and split the loan into XXXX loans. Countrywide went out of business partially because of their illegal practices. Bank of America took over the XXXX loans and they are calling the smaller loan an EQUITY LOAN. It is not an Equity loan and never was. After four years of disputing - what they call an equity loan - they finally Modified the loan with the same terms of teh original illegal loan. How is this legal? Because they are calling it an equity loan, they will not modify it the same way the modified the first loan. Bank of America is using the illegal terms of the COUNTYWIDE LOAN to make us pay all the interest they caused by delaying the modification for four years.
Product: Debt collection

PORTFOLIO RECOV ASSOC HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.
Product: Debt collection

The californias check cashing in XXXX XXXX ca on XXXX XXXX XXXX XXXX XXXX..they call from XXXX and different random numbers past XXXX and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on XXXX and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from different numbers .how can I make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from XXXX and Equifax. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.
Product: Debt collection

I just turned XXXX XXXX XXXX. I never had any phone line or internet service under my name. till today my phone line is under family member name. 

I see a collection under my XXXX but not XXXX or XXXX. I disputed and it came back as " verified '' I have never has any business or dealing with charter communication. No letter was sent to me to inform of debt or collection. Suddenly on my credit report they show up. 
This 100000 % fraud and scam by this company : AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Product: Mortgage

I applied for a loan mod with Chase. A complete loan mod package was submitted and received by Chase on XX/XX/2017. XXXX from XXXX XXXX XXXX XXXX XXXX XXXX spoke with Chase on my behalf to confirm the submission and that Chase was in possession of the loan mod package on XX/XX/XXXX. A sale Date of XX/XX/XXXX has not been postponed. My loan # with Chase is XXXX. I need help, I want to keep my home. 
XXXX XXXX XXXX