23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Repeatedly I have asked that certain items on my credit report be corrected or removed. This is affecting my credit score and rates of interest being offered by lenders! I have asked the erroneous addresses on my report be removed .I asked that incorrect items that are being reported by lenders/vendors be investigated and corrected, They are : XXXX for {$1000.00}. I changed to XXXX after there was interruption in service due to the weather conditions, but XXXX kept their service going even after I requested it to be turned off. XXXX also kept billing me for a number I had already transferred to XXXX. XXXX staff was paid for service. I asked for them no to deposit the checks I left until next day and I had a chance to transfer funds between accounts. 
Equifax has NOT responded to my request for investigation.
Product: Money transfer, virtual currency, or money service

The following complaint is in reference to my HSBC Direct Savings Account # XXXX In XX/XX/2021, I received a solicitation message from HSBC bank about the availability of a new multicurrency account called XXXX XXXX. I immediately opened the new XXXX XXXX  account ( Exhibit # 1 ) and on XX/XX/2021, I converted {$100000.00} into Euro currency receiving EUROXXXX. In XX/XX/2021, I received a communication from HSBC stating that I need to close my XXXX XXXX account by XX/XX/2021, otherwise If your XXXX XXXX Account remains with a balance after this date, we will automatically convert any foreign currency balances in your wallet at the current FX rate and deposit the USD equivalent into your US HSBC deposit account. We will then proceed to close the account on your behalf. Basically, HSBC Bank is forcing me to convert my Euro money into USD and take a financial loss of {$5000.00} or more. On or around XX/XX/2021 I called HSBC Customer Support Hotline to let them know that I do not intend to take that loss. I also reiterated that its HSBC Bank obligation to hold me harmless from any risk or loss arising only and exclusively from its management decisions. HSBC Bank NEVER disclosed to me that the XXXX XXXX account will have a limited life and duration when they enticed and solicited me to open that account in XX/XX/2021 ( Exhibit # 2 ). Having said that while reiterating my strong resistance to convert my EURO currency into USA and take a huge loss I requested the following : 1 ) My XXXX XXXX account to remain open until I deem convenient for me to close it. 
OR 2 ) HSBC Bank transfer my EUROXXXX money into my external EURO account without converting it. 
OR 3 ) HSBC Bank transfer my EUROXXXX money by converting it into USD and credit {$100000.00} into my HSBC Direct Savings account so to hold me harmless and avoid any financial loss. 
Since then, I did not receive a definite answer from HSBC bank other than a callback promise that never came. This is the reason for my complaint with your office. Hopefully you can assist me to protect my assets and avoid a financial loss arising from HSBC Bank management. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit XXXX times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit XXXX times
Product: Debt collection

On XX/XX/year> I paid a {$20.00} copay that was requested from me before I saw the Dr . Early XXXX I received a statement that I owed {$20.00}. My bill amount was {$370.00}, my insurance covered {$350.00}, I owed {$20.00}. I knew I had already paid it, so I dismissed the bill, the bill had no credit for my payment however I see the charge on my credit card statement. XXXX XXXX XXXXXX/XX/XXXX I received a collection letter from a XXXX party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
XXXX XXXX XXXX creditor XXXX XXXX LEASING XXXX Balance : -
Product: Checking or savings account

XX/XX/XXXX. 
Whom it may concern XX/XX/XXXX, the personal information on my Wells Fargo banking profile, such as phone number and email address, was changed by a person. I do not know who, and I do not know how. Then, at the same time, a cash advance transfer for the sum of {$10000.00} from my credit card ending now XXXX to my checking account ending XXXX, which was closed on XX/XX/XXXX, was made. As soon as I received an e-mail about that transaction, I went to the WF branch in XXXX, NJ, and found that a {$990.00} transfer through XXXX from my joint account ending XXXX and multiple wire transfers to the name, which I do not know, were made without my authorization. Multiple claims were submitted the same day after I discovered the fraud without any results. Escalation actions were taken after I received reimbursement for wire transfers, and as soon as it happened, I covered a {$10000.00} cash advance from my credit card ending now XXXX. However, no action was taken for the {$990.00} XXXX transfer that was made simultaneously and to the same person as other fraudulent transactions. All claims and escalations about the XXXX transaction failed, but wire transfers were reimbursed. {$990.00} was transferred from a joint account with my mother, who is retired and receiving SS there. All answers to the claims were explained that transfers were made through a secure online banking session by you, or some who had your authority and that no processing errors occurred. But I do not know the person who made all the transactions. Nobody responded to my statement, which shows the unprofessionalism of Wells Fargo employees. Some claims numbers are XXXX, XXXX, XXXX, and XXXX. 
Would you please investigate and decide about my issues with the XXXX transfer for {$990.00}? 
All additional information is available upon request. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX Cell : XXXX
Product: Vehicle loan or lease

Overly aggressive collection processes on loans when you are not over 30 days late. Numerous phone calls, texting, threatening repo after only 10 days late. Ive never been over 30 days. Staff only care about quotas and pressure consumers to make XXXX payments in XXXX month. Excessive interest and tag on fees. No recognition or discount as originally promised when payments are made on time but less than 30 days. Very demanding and extremely rude with aggressive manipulation techniques. Horrible lender.
Product: Credit reporting or other personal consumer reports

Experian was reporting but stop reporting in XX/XX/2023, And now they are not excepting my mortgage company information that they are submitting mortgage name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX XXXX, credit accounts with Dell Financial Services ( dfs.dell.com ) were converted to credit accounts with a bank called : Comenity ( d.comenity.net ). By mid-XXXX, Comenity began reporting XXXX credit accounts to the credit reporting agency : XXXX ( XXXX ). Despite multiple requests with Comenity Customer Service to correct this error ; and, submitting disputes through XXXX directly, Comenity has continued to report XXXX different accounts with different balances to XXXX. This has negatively impacted my credit for approximately XXXX months now.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681b regarding the inaccurate information presently reporting on my consumer report. 
As a consumer, I am protected under the FCRA, which mandates that consumer reporting agencies, such as [ TransUnion ], must maintain accurate and up-to-date information on consumers ' credit reports. However, despite my efforts to dispute the inaccuracies on my credit report in accordance with the FCRA, [ TransUnion ] has failed to take appropriate action. 
Therefore, I demand that [ TransUnion ] immediately correct the inaccurate information on my credit report and ensure compliance with the FCRA. Furthermore, I am entitled to seek remedy for each violation committed under the FCRA, as specified in the law.
Product: Payday loan, title loan, or personal loan

XXXXspoke with supervisor XXXX about the interest being charged ( XXXX ) on a daily basis, in addition to the APR of XXXX. The amount of the loan was for {$600.00}. I will end up paying 3X 's as much ehich is unfair to me as a consumer. In addition, they are not sending me any transaction receipts or anything. They have been received their funds back and much more. They are robbing me as a consumer. I have tried going on their website, Amplify funding.com, yo retrieve my info but was unable to access the site.
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. 

( 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 XXXX BANK XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 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: Debt collection

My mother & I moved out of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2015. We never received a statement from XXXX within 45 days of vacating their premises. XXXX turned our account over to a collection agency by the name of NCC Business Center. A guy name XXXX XXXX ( XXXX ) XXXX ext. XXXX from NCC Business Center called our neighbor and discussed our business with her which is illegal. They have been constantly harrassing me about a debt that I never went to court about and I do n't owe them any money. I want to issue a cease & desist order against NCC Business Services , Inc. XXXX. XXXX XXXX, XXXX, XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for both of them to stop contacting me, my neighbors, relatives, my job, etc. as soon as possible. Please feel free to contact me or my mother at the numbers below. Thank you.
Product: Money transfer, virtual currency, or money service

I sent {$45.00} to the wrong person using Zelle & when I called to XXXX they were unable to fix the situation.
Product: Credit reporting

My goodness I have been through it with getting information on my Credit Report changed. XXXX, XXXX and Experian have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Product: Debt collection

On XX/XX/2021 I received a letter from Carmax XXXX XXXX notifying me of a demand to pay an alleged debt of {$1300.00} due in full before XX/XX/2021. Carmax XXXX XXXX threatened to seize my property if I failed to pay the alleged debt in full which has harassed, abused, and oppressed my rights as a consumer pursuant 15 USC 1692d. Carmax XXXX XXXX has violated my privacy pursuant 15 USC 1692b.
Product: Mortgage

Please refer to the attached Letter dated XX/XX/2020. The Table, Column Two ( 2 ) labeled Note 1, Line 2 indicates XX/XX/2020. ( Note 2 ). What does this reading mean. Is there a date like this? This is confusing. 

You have not addressed the issue. How do you justify interest rate increase during COVID19 crisis?. Is this fair to raise the interest rate from XXXX XXXX XXXX XXXX XXXX while the COVID 19 has adversely affected me as well? 

I request that Wells Fargo reconsider the current interest rate and restore the prior interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit profile Victoria Secret credit card opened for {$550.00} and XXXX for {$630.00} that have been in collections and charged off. I have no knowledge of that. I am a victim of identity theft. The information I provided which appears on my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Debt collection

XX/XX/XXXX cbna sears XXXX oh XXXX phone XXXX credit card i never put in this fraud idenity thieft another one XX/XX/XXXX XXXX XXXX XXXX nd XXXX XXXX phone XXXX XXXX loan from them i never put in for this fraud idenity thieft.
Product: Credit reporting or other personal consumer reports

I'm very concern about this judgement on my credit report because I don't know who these people are. They are reporting on me. I didn't give anymore my information, I don't know how they got my information. Could you provide me any information? It's stopping me from getting my important business handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Set up autopay with this vendor- there was a miscommunication as to the start date of automatic payments. Creditor agreed that the fault was mutual, but still reports late payment history to credit bureaus. 
Requested the removal of late payments reported, as they are related to this autopay mixup.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with Macys About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.
Product: Student loan

Each year, I submit documentation to " recertify '' my income to continue with the XXXX XXXX XXXX which I did on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX from FedLoan Servicing stating that they " were unable to process your request '' because they needed a different type of documentation. Evidently, I sent them a copy of my contract which has my annual salary on it but they wanted a pay stub. So I mailed them the paystub and then I received a second letter from them dated XXXX XXXX which stated " Your New Payment Amount '' which increased from {$290.00} to {$2100.00} per month. I called and asked why this incredible increase. They acknowledged that they had received my documentation but that it had n't been processed yet and to call back next week. Then I received a letter dated XXXX XXXX that says " Your payment has been adjusted by {$0.00} per month '' and that my new amount is {$370.00} per month. I called and asked them to explain this and they could n't. I asked to have this amount reconsidered because it was too much of an increase considering that my income at the time had not increased. I called again at least two more times. The last time I called was XXXX XXXX and was told just to start the re-certification process over. I asked during that phone call and then followed up with an email through their website requesting a written response to my concerns. They are not responding. When I called and asked what I should do while my request was being considered, I was told to just pay my old amount, which I have done, but now it looks like I 'm delinquent because I had n't been paying the new amount.
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XXXX/XXXX/2014.
Product: Money transfer, virtual currency, or money service

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. In conclusion, their dispute resolution process wasnt fair and very deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I receive collection notice from ARS ACCOUNT RESOLUTION in which i have never done business the original creditors is listed has ARS ACCOUNT RESOLUTION which i have never done business has well i receive a letter from XXXX XXXX XXXX, XXXX with copy of bill from ARS ACCOUNT RESOLUTION which does not validated a copy of bill does not substantiate debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX were not authorized to pull my credit and have yet to send me proof that I approved a credit pull. This hard pull remains on my Equifax Credit Bureau Report as of XXXX XXXX  CT on XX/XX/21, which is 51 days from XX/XX/21. After many disputes, why has the XXXX XXXX XXXX XXXX XX/XX/21 hard credit pull not been removed? No evidence such as a voice recording, email, or other legal means proves that I authorized the credit pull. Would you please do a full investigation and send me the results? See attachments for more information.
Product: Debt collection

I send a letter to on XX/XX/2022 asking Source Receivables Management to validate the debt they were reporting to my credit report. Then on XX/XX/2022 I sent anothe letter asking for some details regarding this account, I never received a response. Most recently I sent an additional letter on XX/XX/2022 warning them I will submit a dispute with you guys and asking to verify some information. Again my letter was ignored.
Product: Vehicle loan or lease

The attached letter is adequate for the Secretary of State to amend my title except it needs to have the complete VIN listed and should be sent by US Mail with a wet signature. This is standard practice,.
Product: Credit card or prepaid card

Comenity bank card system is down. Credit card is being declined, no customer service, they will not answer phone. Fraudulent charges are appearing online. This has been going on for over a week, with no one to talk for help.
Product: Checking or savings account

I had a chase bank account ending in XXXX that is in the process of closing. The account is closing because I wrote XXXX checks from my XXXX account to my Chase account in hopes of making Chase my new bank upon doing so they took so long to clear the check that my XXXX closed and the checks bounced. The funds were not returned back to XXXX, nor was I given substitution checks. They were pending for a total of {$6000.00} and then they close the account and told me that they sent the checks back because they were not paid upon checking with XXXX. They informed me that the funds were paid and that the account was closed so it was not be able to be returned there was also XXXX checks for {$1300.00} and $ XXXXthe other XXXX {$530.00}, which were unrelated and valid checks. Because of suspicion Chase said they sent the checks back but the {$2900.00} was a certified check from XXXX that I did not receive back or a substitute check. The other XXXX are still being held in suspension until they can verify the maker it has been over a month. There have been no issues reported with any of these checks and their suspicions are unjustified as well as they are illegally holding my funds. I would like to have the money which is held in suspension immediately released to me, as well as the check for {$2900.00} in total I would like my. {$6400.00} Returned, and either XXXX check or the funds and suspension as well as the subsequent checks to XXXX my accurate amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX charged off a car loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately