23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

HSBC 's promotion is misleading. They offer a {$500.00} bonus if the consumer sets up an account with a direct deposit and deposits " totalling at least {$5000.00} ''. They did not give me the credit and stated that it must be {$5000.00} in each month. However, in the fine print, they do not say " in each month ''. Their wording is below ( I've also attached a photo of the offer ) : " make recurring monthly Qualified Direct Deposits totalling at least {$5000.00} from a third party to your HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening '' Again, they should have said " in each month ''. Instead, the wording is not clear at all.
Product: Debt collection

I've been trying to pay this but that company is not willing to negotiate the amount. 

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Product: Credit reporting or other personal consumer reports

My cars loan was XXXX it's incorrect on my credit report says {$17000.00}. 
My payment history is all incorrect, my credit score is ruined because of this credit company called Automotive credit corporation. My payment says I am still not up to date with my payments, I have like XXXX missed payments, but when I pay, it still doesn't show on my credit report, after reporting this to the credit bureaus, They said instead of the fill balance still owed I had only XXXX balance. This is still incorrect, how after 2 years and 7 months do I have this much still to pay off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Date opened is inconsistent. High balance is XXXX with XXXX and XXXX with Experian and XXXX. Payment status with XXXX is current. Experian is " Paid, was past due 30 days. '' XXXX is paid as agreeed. Date of last activity is XX/XX/XXXX with XXXX, XX/XX/XXXX with experian, and XX/XX/XXXX witXXXX XXXX This account has never been late. UPDATE PAYMENT HISTORY TO NEVER LATE. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. Experian reports account as collection while XXXX reports it as open. Experian reports account status as " XXXX ''. Experian lists the original creitor as XXXX XXXX XXXX. XXXX reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. Experian reports account as collection while XXXX  reports it as open. Experian reports account status as " XXXX ''. Experian lists the original creitor as XXXX XXXX XXXX. XXXX reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : XXXX lists account as collection while XXXX reports account as open. Last activity is inconsistent. XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Company failed to respond to validation request on XX/XX/XXXX. Please delete immediately. 

XXXX XXXXXXXX : validation was requested on XX/XX/XXXX. I did not receive any correspondence from company. Date of last activity is inconsistent. XXXX and XXXX report XX/XX/XXXX. Experian reports XX/XX/XXXX. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Account was disputed on XX/XX/XXXX. There was no notice of dispute entered on account. Payment status is inconsistent. XXXX and XXXX reports pays as agreed, but Experian reports 60 days late. Date of last activity is wrong. XXXX reports XX/XX/XXXX. Experian reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : Account was disputed on XX/XX/XXXX. I have no recolection of this account. I asked for verification from them. They did not respond. They also did not enter a notice of dispute. Please delete immediately. 

XXXX XXXX XXXX : this account was disputed on XX/XX/XXXX. The account has never been late. They did not investigate. They did not enter a notice of dispute. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : This was disputed on XX/XX/XXXX. I received no response. This is an unknown charge. Please delte immediately.
Product: Mortgage

I paid my mortgage on XX/XX/2023 in the amount of {$1200.00} which was due on XX/XX/2023. Fay Servicing, XXXX XXXX XXXX, XXXX XXXX, TX XXXX started calling me on XX/XX/2023 at XXXX XXXX  stating that I was late on my payment. I checked with the bank where I purchased my cashier 's check and they stated that my check was cashed on XX/XX/XXXXXXXX XXXX by fay servicing. I sent them a letter with copies of the cashed cashier check to prove that I paid the mortgage. They called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX @ XXXX. On XX/XX/XXXX I received a letter stating that I had not paid the mortgage that was due on XX/XX/XXXX. XXXX. They often send late statements which forces me to pay the late fee of {$13.00}. I have received multiple calls from them starting at the beginning of every month stating that I am late on my payment. When I try to return the call to the number they give me, there is always a recording and there is never a real live person to speak to regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report shows my final car payment was late, but i provided a bank statement showing it wasn't. I even provided bank statements for the previous months to show that it was paid on the same day every month ( it was on autopay with the leasing company after all ) with no issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX CNAC is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX  for their ongoing failure to conduct a complete, lawful, and transparent investigation into several disputed accounts on my credit report. I have submitted multiple disputes regarding these accounts, including sending certified letters requesting documentation and a thorough reinvestigation. Despite this, XXXX  has not taken appropriate action, has not provided documentation, and continues to report inaccurate and unverifiable information in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Disputed Accounts & Concerns : XXXX. XXXX XXXX ( XXXX Separate Accounts ) I never authorized or gave permission for XXXX XXXX to use or retain my personal information. 
XXXX XXXX continues to access my credit file without my consent, which I consider a violation of my privacy. 
These accounts are not reported with XXXX, yet XXXX  continues to report them without providing any legal documentation or signed agreement verifying the accounts. 
I have received no contractual evidence to justify these entries, despite multiple written requests. 

XXXX. XXXX XXXX is reporting as my mortgage servicer, but I have verified through the XXXX XXXX XXXX XXXX XXXX that they are not listed as the mortgage holder. 
They have failed to provide proof of ownership, proof of transfer, or any original loan agreement. 
XXXX is reporting : Incorrect balances Incorrect monthly payments Conflicting transfer dates ( claiming transfer in XX/XX/year>, but reporting began in XX/XX/year> ) No proof of escrow disbursement The homeownership title with XXXX XXXX was not under XXXX name, further proving the lack of verification. 

XXXX. Radius Global Solutions ( XXXX XXXX Account ) I have never signed a contract with Radius Global Solutions XXXX XXXX for any service. 
I have requested proof of debt ownership, including a contract or legally binding agreement. Radius has failed to provide any documentation. 
This account is not listed with XXXX, yet XXXX  continues to report this unverified collection. 

Additional Details : All the above accounts are not being reported by XXXX, further indicating inconsistencies and a failure by XXXX  to maintain accurate reporting. 
Despite my repeated disputes, XXXX  continues to allow these accounts to remain, damaging my credit score and credibility. 
XXXX actions ( or lack thereof ) are not only negligent, but violate FCRA protections, including the requirement to delete unverifiable or inaccurate information.
Product: Debt collection

CBE Group Inc Ref # XXXX my last correspondence with them was XX/XX/XXXX we receipt notice of a debt for {$130.00}. We have sent letters to the company ask for proof or verification of the amount requested. We also sent back the bottle of the letter page as noticed. In never receiving any notification or proof or any additional information for this company, we assume they realized there mistake and the matter was resolved. Just recently I checked my credit report to find out they have attached themselves as a debt owed on my credit bureau report. All three accounts, XXXX, XXXX and XXXX as of XXXX. 
We still to this day have NOT received any verification that we owed this debt or even what the debt is for ... it states we have an account from XXXX XXXX with account number XXXX. Our account with XXXX was paid in full prior to closing the account. Per their representative who ended the account. It's may understanding it was a recorded call and they should be able to verify the information provided by their representative or provide exactly what the amount requested is for in detail. 
We do not owed this debt and they have not provided any information show we owed the debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX  a notice informing them that Per FCRA, as a federally protected consumer ; I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802 obligations with respect to disclosures of personal information this is immediately and indefinitely. 

In addition, according to the IRS publication a charge off is considered income and income can not be reported on a credit report, it is considered a certificate of indebtedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a look at my credit report and notice several trade lines that don't belong to me. XXXX and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I received a XXXX loan from Wells Fargo. I paid off the loan in XX/XX/2022. I applied for a new loan, within 2 weeks, in the amount of XXXX and was turned down. I have been given numerous conflicting reasons for the denial such as length of accounts are too new, insufficient income, checking account balance too low. Nothing has changed financially since my previous loan. I suspect retribution on Wells Fargos part. I am a XXXX veteran with guaranteed income, I have 100 % on-time payments for 20 plus years, my credit scores are good. I get direct deposits regularly and I pay my bills on time. Something is rotten within Wells Fargo. I wondering if they are still practicing illegal loan practices. I know Wells Fargo has recently paid over XXXX XXXX dollars in fines and restitution for illegal practices. 
Without this loan I will become another homeless veteran. I have tried my best to resolve this issue with Wells Fargo and get nothing but conflicting reasons and a general run around. Something is absolutely wrong here.
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 U.S.C. 1681. Account : Acima Digital FKA SIMP Acct # 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. 15 U.S.C 1681c. section ( 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 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 sent a letter to XXXX XXXX XXXX after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. XXXX XXXX XXXX responded to me by stating that can not investigate my claim until they receive appropriate of my identity. XXXX XXXX XXXX is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.
Product: Debt collection

Debt is not valid I am a victim of identity theft and I never had a contract with this company
Product: Money transfer, virtual currency, or money service

I currently hold an account with Robinhood under email address/username XXXX. As part of this account, Robinhood has provided me with a crypto wallet that exists on the XXXX XXXX XXXX. The wallet address provided to me was XXXX. 

On XX/XX/ units of the crypto token XXXX ( valued at {$290.00} XXXX ), also known as XXXX, was sent to the aforementioned wallet address ( XXXX ). The transaction ID for this transfer is XXXX. This transfer was recorded on the blockchain and can be found here. XXXX XXXX XXXXXXXX Despite the XXXX XXXX tokens being sent to the wallet address, which was provided to me by Robinhood, the transaction was not credited to my account. I reached out to Robinhood support, which claims that XXXX  is not a supported token on their platform and that they can not recover the XXXX XXXX 

Here are some facts : 1 ) Robinhood has custody of wallet address XXXX 2 ) Robihood provided me with wallet address XXXX so that I could receive crypto at said wallet address. 
XXXX ) XXXX XXXX was received at wallet address XXXX, which Robinhood has custody of and has assigned to my account. 
4 ) Therefore, Robinhood has custody of the XXXX XXXX which belongs to me, and has materially benefited by the amount of {$290.00} by refusing to return the crypto to me. 

At present, Robinhood is refusing to return the XXXXXXXX XXXX to me. To access the crypto, they would simply need to mount the wallet using a key, which only they have access to, and send the crypto to my private crypto wallet address, which I can provide. This will have minimal cost for Robinhood ( less than XXXX cent in transfer fees ), which they could deduct from the returned crypto amount. 

Alternatively, Robinhood can provide me with the wallet key and I can perform this transfer myself. Currently, the only holdings in the wallet are XXXX XXXX ( valued at {$290.00} ) and XXXX XXXX ( valued at {$0.00} ). 

Alternatively, Robinhood can keep the wallet, and reimburse me {$290.00} for the value of the crypto which they hold on my behalf but refuse to give me access too.
Product: Consumer Loan

A few weeks ago, I contacted Capital One for a 60 day extension due to me having XXXX and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called XX/XX/XXXX and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have XXXX other vehicles that I purchased the same day as this car and that company that is financing those XXXX cars did the extension since I am a XXXX and do not get paid when I am off. I am a valuable customer as I have credit cards and have had another vehicle, which I traded in for this vehicle, through Capital One. I do n't think that this is how you treat valuable customers. 
I recently had to call Capital One XXXX 's with customer service stating that someone will call me. Finally, the third time I called after not receiving a call back and was told that I was still not able to get an extension. This is a SCRA account ; why ca n't I get a 2 month extension after Capital One has been getting paid on time even after my XXXX and being denied the extension XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 disputes certified mailed to Transunion and emailed it's CEO XXXX XXXX. They have continuously violated the FCRA. I have requested that my adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my Experian, XXXX, and XXXX credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with XXXX  was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my Experian, XXXX, and XXXX credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Product: Mortgage

Dealing with loanDepot I was upfront with my problems. They were hiding what I needed to be done and didnt communicate well with me and its causing me more grief and heartache and aggravation and Im out {$600.00} and I want it rectified. Thank you, XXXX XXXX of North Carolina
Product: Consumer Loan

TD BANK N.A . has continually reported the wrong first date of delinquency to XXXX. They are reporting the date of first delinquency as XXXX 2010. I have disputed this multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Student loan

My federal student loans were transferred to FedLoan Servicing  XXXX / XXXX / 17 .  AES i s continuing to bill me for federal loans that they no longer service. Additionally, they are billing me for an amou nt three times  greater than m y IBR payment amount even though I submitted documentation to them twice proving my income. They continually say they did not receive my proof of income. I 've sent it twice and asked for confirmation both times but did not receive confirmation. They did not send me a notice that my IBR plan was expiring. My payments simply inc reased. They are now saying I owe more than {$400.00} because of THEIR mistakes and shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavors to tell you 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXXXXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), credit reporting agencies, including XXXX and Equifax, are prohibited from reintroducing previously deleted information into a consumers credit report without proper notification and certification from the data furnisher. 

A violation occurs when : Reinserted Accounts Without Proper Notice : If an account that was previously removed from a credit report is reinserted without informing the consumer in writing within five ( 5 ) business days, this violates FCRA guidelines.

Lack of Creditor Certification : Before reintroducing an account, the credit bureau must obtain certification from the creditor stating that the information is accurate and verifiable. If XXXX or Equifax fails to obtain this certification, the reinsertion is illegal under the FCRA. 

Failure to Provide Consumer Rights & Documentation : The consumer has the right to dispute any information on their credit report. If the reinsertion is unverified, inaccurate, or lacks notification, it denies the consumer their legal right to dispute the entry properly.
Product: Debt collection

Two accounts were opened in my name without my consent. XXXX XXXX was opened XXXX XXXX. XXXX was opened XXXX XXXX. Im concerned about this being on my credit report! These are unauthorized and I did not sign for them!
Product: Credit card

In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.