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

On XX/XX/XXXX, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from XXXX and definitely I did not authorize this credit check. 

On XX/XX/XXXX I mailed a letter to Transunion ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/XXXX I received a letter back from Transunion saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report ''. 

I checked my credit report again today XX/XX/XXXX and saw that the credit inquiry is still on my report. Please help!
Product: Money transfer, virtual currency, or money service

Using zelle money was sent to other people and I wasnt able to get my money back
Product: Credit reporting or other personal consumer reports

This is my endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Chex Systems, After reviewing my records with Chex Systems ; I noticed that two checking accounts that were opened fraudulently are still being reported as having belonged to me. The account were from XXXX XXXX XXXX and XXXX Bank. I believe these accounts either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of these two accounts and that you purge all my information from being linked to the closed checking/savings account from your system. Failure to do so will result in legal action taken against your company in small claims court. I have never had a checking account with XXXX XXXX XXXX nor XXXX XXXX. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. Please also provide me my Chex Systems score. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX # XXXXXXXX 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 an 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 or other personal consumer reports

I recently pulled my credit report and found some inaccurate account information that have been reported. I have made a list of all the inaccurate accounts that I would like removed.My personal information did not match along with various address information.
Product: Checking or savings account

Wells Fargo charged me for overdrafts and refused my deposits! Then they closed my account for no reason! I tried to talk to them by phone and they just hang up on me!
Product: Student loan

This loan was purchased by aidvantage from XXXX, not only is the information in their system completely wrong, but these loans were in an income based repayment plan that would have the remainder discharged after making a set number of on time payments every single month for YEARS. Now that this company has the loans they have changed it to a graduated repayment plan and can not provide ANY documentation on this change. This was not authorized, or known to me. They changed the repayment plan and can not show me proof of my enrollment in this program.These loans also were to be discharged per the XXXX  lawsuit, as they met all criteria but now Aidvantage bought them? As well, there was absolutely no accommodations made for my time in XXXX XXXX or while XXXX. The loans ( for some reason they are split into 3 ) continued to accrue interest while i was XXXX, and even reported late month after month while i was XXXX  in a XXXX XXXX. The balance they are reporting is several thousands of dollars higher than the balance actually is, and continues to increase despite monthly payments being made. 
The plan i have had my loans on for years would have qualified my loans for discharge under the latest biden administration act, but now that aidvantage has taken it upon themselves to alter my payment plans they no longer qualify for discharge BECAUSE OF THIS. 
We have had to retain an attorney because we have gotten nowhere with this company. 2 hours on the phone yesterday with a representative that had no idea how to answer the most basic of questions, and then hung up on when i was being " transferred '' to the military department. My information is wrong in their accounts, my name is wrong, the balance is wrong, the payment history is wrong, the payment terms are wrong, and there is nobody to help me.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several month to have addresses and personal information remover off of my credit report, but the credit reporting agency have not complied. I've been a victim of Identity theft and I fill that this may be the reason it's happening.
Product: Checking or savings account

I opened a US Bank XXXX XXXX account online on XXXX/XXXX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XXXX/XXXX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XXXX/XXXX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XXXX/XXXX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received. I filed a complaint with CFPB on XXXX/XXXX/XXXX ( complaint # XXXX XXXX, stating the above facts. On XXXX/XXXX/XXXX, I received a response from US Bank via the CFPB complaints portal that denied my claim based on the patently false assertion that I opened the account on XXXX/XXXX/XXXX - when in fact the account was opened one month prior, on XXXX/XXXX/XXXX, which was very much during the eligibility period for the {$200.00} bonus. US Bank has engaged in a bait-and-switch tactic and is now denying me a bonus for which I clearly qualified according to the terms of the promotion. I am therefore refiling this complaint, along with the necessary documentation to refute the false assertion made by US Bank 's representative, XXXX XXXX XXXX. 

In this refiled complaint, I am attaching : ( 1 ) the response from US Bank that contains the false assertion used to deny my initial complaint to CFPB ; ( 2 ) a copy of an e-mail received from a US Bank representative on XXXX/XXXX/XXXX to confirm that my account had been successfully opened ; and ( 3 ) copies of my XXXX and XXXX checking account statements, with the dates of each of the qualifying bill pay transactions highlighted. I trust that this documentation clearly demonstrates I complied with the terms of the promotion.
Product: Debt collection

I contact the original creditor "   XXXX   XXXX   '' via telephone on  XXXX / XXXX /2017 regarding the " debt '' that was placed in collections and on my credit report. We made an agreement that once payment of {$600.00} has been cleared that an immediately delete this account from any and all credit reporting agencies (  XXXX ,   XXXX   and  XXXX  ) would occur. This payment was processed on the  XXXX / XXXX /2017 and I contacted   XXXX   XXXX   on  XXXX / XXXX /2017 via telephone and e-mail to confirm payment and removal of the incorrect credit reporting for all parties involved. The manager   XXXX   XXXX   confirmed that the payment was received and that agreed the account would be removed from all credit reports and pulled from collections.
All certified funds for the settlement amount of six hundred dollar ( {$600.00} ) was paid to   XXXX   XXXX   on  XXXX / XXXX /17 in exchange for full deletion of all references regarding this account from all credit files and full removal of the debt reporting for all parties involved.
Furthermore, my family members and I have been receiving non-stop spam collection calls since this account has been reported on my credit report. I strongly believe that the collection agency involved sold my information to another third-party company regarding collection of this debt. I do not have a contract with the collection agency and have not authorize them to sell my family or my information in any capacity. I have contacted the collection agency several times via phone and certified mail regarding the harassing phone calls and e-mail to my family and I. Unfortunately the collection agency has failed to respond to my complaints.
Product: Debt collection

XXXX XXXX vision charge me a big amount cable service for simple basic Chanel that had disconnected before the time get expired
Product: Credit reporting or other personal consumer reports

I have not made these accounts and strongly suspect they are scams. Please do a thorough investigation and remove them from my credit report immediately. I have provided evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Mortgage

I was having some financial issues in XXXX, so I went to my mortgage company, PHH Mortgage Services, and applied for a loan modification. I was granted the modification and the payments were to be added on to the end of my mortgage. I caught back up in XXXX of XXXX but they reported the months that my payments were under the modification as late. I was told that this would not happen and it is essentially why I applied for the modification to begin with. I have written to the bureaus and to the company requesting that my credit report be corrected, but the bureaus just say it was verified and PHH Mortgage Services has not responded.
Product: Checking or savings account

On XXXX XXXX I received notification from my bank, JP Morgan Chase, that my savings account was placed on hold for the amount of {$6200.00} for a judgment that did not exist. XXXX XXXX XXXX XXXX. claimed to be representing XXXX XXXX XXXX for a debt that had already been previously dealt with years ago. The information from XXXX XXXX XXXX to Chase bank did not even have legitimate personal information of mine. When contacting Chase bank, they did not offer any insight as to how they screen for legitimacy before placing savings accounts on hold. In order to gain access to my funds, I had to pay out the money to the scammers or else Chase would have doubled the amount from my savings account. Instead of being out {$12000.00}, I complied. I am holding Chase bank liable for being scammed out of my money by frauds and want to know how/why my bank account was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following Companies listed below, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX  Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16891i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

XXXX XXXX serviced by LoanCare, is constantly late with their statements. The issue I have now is I made payment in late XX/XX/XXXX for payment due XX/XX/XXXX. Payment still not posted and I try to call to discuss. They are non-responsive. Can't get through to anyone. Have made +10 calls in the last 10 days. Online inquiries go unanswered. Now they are assessing fees. They say to call back in low volume hours but I call morning, afternoon, night, and weekends and no one answers and force you to limited choice online experience with NO option to speak with someone in customer service. What options do I have?
Product: Checking or savings account

Welcome bonus not posted XX/XX/2019 -- I saw the {$350.00} bonus promotion for the checking HSBC Advance account through website https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # advance-checking-details. 
-- I clicked the apply button from the page above and applied for the account on XX/XX/2019. I received the email ( email 3 ) from HSBC stating that the application is being reviewed. I will be reached out within 48 hours with futher instructions, with the application ID of XXXX. 
XX/XX/2019 -- I received an email from HSBC stating that the application is approved, but not able to complete the initial deposit. ( email 2 ) Application ID is still XXXX. 
XX/XX/2019 -- I received an email from HSBC stating the account has been approved, with additional details to sign up for online services with HSBC. Application ID is still XXXX. ( email 1 )  XX/XX/2019 -- I funded the Advance checking account with {$10000.00} from an external account of mine. 
XX/XX/2019 -- I transferred {$9900.00} from Advance checking account to my HSBC Direct Savings account. XXXX- XXXX. XXXX INTERNET BANKING. XXXX INTERNET BANKING. 
-- This transfer would still satisfy the " Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in COMBINED CHECKING AND SAVINGS accounts within 30 calendar days of account opening ''. 

++The combined account balance on my checking and savings has been over {$10000.00} and has not changed since XX/XX/2019. 

XX/XX/2019 -- I contacted HSBC via chat because I did not see the welcome bonus posted to the account. This was now 154 days after the account is opened. Account balance has been over {$10000.00} and has not changed since XX/XX/2019. I requested of the case to be reviewed for the welcome bonus of {$350.00}. The case ID XXXX. 

XX/XX/2019 -- Called HSBC to provided additional information, which is the application ID XXXX for further investigation. Through the whole conversation with an agent, she was not able to find the original application from her system. Then she further searched in other system, but couldn't locate the application with ID XXXX.