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

1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint. 


2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements. 


3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so
Product: Checking or savings account

My name is XXXX XXXX I been with Wells Fargo Bank Since XXXX. I noticed every other month my account is short of money or fraud is being made, no matter how many times I get a new card it still happens XX/XX/XXXX a purchase of $ XXXXwas Authorized XXXXcarddelivery in Texas my card ending inXXXX.On XX/XX/XXXX a purchase was Authorized of XXXX  Company XXXX  filed a claim for XXXX} purchase Authorized XXXXat XXXX XXXX  XX/XX/XXXX XXXX purchase Authorized at company XXXX  XXXXpurchase Authorized of $ XXXXat company XXXX Overdraft fee XXXX  ) XXXXpurchase Authorized XXXX  XXXX XXXXpurchaseAuthorized XXXX  card delivery XXXX  XX/XX/XXXX purchase Authorized XXXX  $ XXXXAllof these transactions are from my daily checking account. This fraudulent transactions Authorized by Wells Fargo
Product: Credit reporting or other personal consumer reports

Flagship Credit Acceptance was supposed to remove all negative reporting on my credit file due to me being affected by the covid pandemic but has failed to do it
Product: Credit reporting or other personal consumer reports

Loan is reporting 30+ days delinquent on XXXX credit report. I disputed the information with XXXX and also contacted the creditor for an explanation and solution for the incorrect reporting. The company said it is aware of the issue but was not able to offer a solution or timeline for a fix. In the meantime, my credit is taking a severe negative hit as a result of an account that is current being reported as more than 30 days past due. Below is a copy of chat correspondence with the creditor 's customer service : ======= FinFit says : Hello and thank you for contacting FinFit! My name is XXXX and I am happy to help! So I can better assist you, please provide your full name, last four of social, and date of birth on file for security on your account. Thank you! 

FinFit says : Thank you! How can I help you today? 

says : It looks like " XXXX XXXX '' is reporting my loan as 30+ days late to XXXX XXXX Can you please explain why this is happening and how we can correct it? 

FinFit says : I understand that you have concerns about your credit report not updating. I want to assure you that we are working diligently to get everything set up and caught up now that the migration is complete. We hope to have the reporting updated as soon as possible.

FinFit says : At this time, we do not have an estimated timeline for when this will be completed, but please know that it is a top priority for us.

FinFit says : I do apologize for the inconvenience this is causing, there is an ongoing investigation regarding this issue with XXXX, we are working to have it resolved as soon as possible =======
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX/avan made a fraudulent hard inquiry to my XXXX  report. XXXX   has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.
Product: Vehicle loan or lease

On XX/XX/XXXX I was in communication with Prestige Financial via text message. I asked what was due and was given an amount of XXXX and was told the interest amount was XXXX. I asked if I made a payment of XXXX when would I be due again, the rep stated this amount would take care of XXXX, XXXX, and XXXX 's installment, which would get me current and back due on XX/XX/XXXX. I made the payment and followed up with the associate who told me I was all good and my payment was processed correctly. Today XX/XX/XXXX I get a text telling me my account is past due and I have to make a payment, reached out to the company via text saying this must be a mistake because I was assured that I would be good until XX/XX/XXXX. Then I was basically bullied and said either I can pay XXXX or my account will continue to show past due. I've asked for them to review the text messages and explain to me why this wasn't explained, and they told me I should've known that they were giving me a discount. But like I explained to them I didn't ask for a discount. I asked what was due and when would I be due again. The company refuses to acknowledge their wrong doings and basically is telling me I have to XXXX it up and pay more money because their the finance company and my car could be repoed and or credit impacted.
Product: Debt collection

I previously filed a complaint against American Express ID XXXX. I have since won a court judgement against them on XX/XX/XXXX regarding the balance they falsely claim I have. They have refused to acknowledge the court judgement. They are in violation of the law.Please read further. 
I was a victim of fraudulent charges on my American Express card on XX/XX/XXXX. I immediately contacted American Express who reversed all fraudulent charges made to my account. On XX/XX/XXXX I received a call stating American Express was not going to cover the charges and placed all charges back to my account. 
I disputed their decision with the fraud department and customer service while it was under investigation until XXXX XXXX when they closed the case and decided they were not covering the fraudulent charges. 
I advised them I would seek legal action which I did and went to court XX/XX/XXXX. The court ruled in my favor concluding that American Express was responsible to cover all charges. Enclosed are the court documents confirming my statement. 
As of today, XX/XX/XXXX American Express has not complied with the judgement of the court. American Express did not respond to my lawyers letter ( with submission of all court documents ) of six weeks ago. He wrote them a second letter this past week requesting their compliance with the court decision. 
I have contacted by mail and by phone - American Express myself and submitted the court documents to customer service and the fraud department. Their letter response simply stated the investigation was closed and did not address my successful court judgement against them. They ignored the information I discussed in my phone call and simply said they would reopen the investigation despite saying numerous times I had a court judgement against them and they were in violation of the law by not complying. 
That is a brief summary of the events that have transpired. 
I have enclosed the court documents showing the judgement I received, my lawyers first letter to American Express after the court judgement, my two letters to American Express requesting their compliance with the court judgement. I have also enclosed a summary of all the conversations that occurred during the dispute as well as the arguments we made before the court regarding American Expresss accountability. 
Specifically, I request your assistance in getting American Express to recognize the court judgement, remove my balance, refund the amount that is greater than the balance, and most importantly to contact the credit agencies to advise them I dont have a balance and I never did. As an aside my credit scores have always been in the 830s American Expresss refusal to contact the credit agencies has significantly affected my credit scores even though I have submitted all information to the agencies. 
Thank you in advance for your attention to my concern.
Product: Mortgage

As per your XXXX XXXX, XXXX, correspondence CFPB Compliant XXXX XXXX. My XXXX mortgage originated from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. Then it was transferred to from XXXX in XXXX XXXX, to Green Tree Servicing LLC. Only a XXXX mortgage was in the aforementioned. There is no Florida Statue that state that XXXX or Green Tree Servicing LLC can create an alleged XXXX mortgage out of thin air. Then hold my XXXX mortgage hostage from being refinanced by another entity. However, there is a Florida XXXX XXXX XXXX, Statue Of Frauds, Fraudulent transfer ch. XXXX. Thus, this is not only Florida XXXX it is a XXXX XXXX. Because, You are trying to extort {$93000.00} across State lines from me. Thus, I demand you release my XXXX mortgage to be refinanced immediately. XXXX days from this memorandum -- I will turn this case over to the Attorney General Of The State of Florida and the FBI.
Product: Student loan

XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a collection company added a collection account of {$64.00} to my credit file that I could not identify. I reported the issue to Equifax who then responded after two days that they investigated and found the collection account to be valid. There is no further information. Equifax has nt provided what the evidence is or what the evidence shows. It simply states they asked the collection company to validate the claim and they said it was valid. The means any company - without documentation - can make claims against an individual without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of {$12000.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Product: Money transfer, virtual currency, or money service

sometime in XXXX or XXXXXXXX XXXX XXXX my cashapp account was closed for no apparent reason i been using cash app for years with out any issues i felt i never did anything in violation of the terms and conditions
Product: Mortgage

Discriminates against women in the workplace and while analyzing mortgage applications. Charges higher interest rates to single female borrowers. Does not follow FHA laws.
Product: Debt collection

XX/XX/2020 Deficiency Notice is Void and unenforceable, please read attached. 
No Notice of Sale on XX/XX/2020 ( 10 days prior to sale ) and voluntary repossession was not commercially reasonable for reasons stated in the attached. Deficiency Notice is void and unenforceable.
Product: Debt collection

My phone number is XXXX XXXX XXXX XXXX. I was given that number 20 years ago as part of a family plan under my parents. That number has not been associated with my father in any other manner, and has not been a part of a plan which includes his phone number in over 15 years. However, I have received repeated phone calls from Account Control Technologies asking for my father, whom I am not in contact with. I have repeatedly told them they have the wrong number, and they have repeatedly continued to call after assuring me my name would be taken off their list. While I find their phone calls irritating, the bigger issue that I have is that by calling my number and asking for my father when they are clearly a debt collection / reconciliation agency they are disclosing or indicating that he is in debt, which should be his private information. They also continually call from variations of the same number, thereby making it impossible to block the number. I think they should be aware of this breach of privacy as well as the fact that they should stop calling me. They're also very rude and abrasive once told that they've called before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX a letter challenging the accuracy, compliance and reportabilty of a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature I requested the information be immediately deleted i have yet to receive any documentation bearing my signature and they continue to report this on my credit report without any evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
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
Product: Credit reporting

Re : Unauthorized Credit Inquiry I did not authorized the following company to do a credit check.
Product: Checking or savings account

XX/XX/XXXX - sent a XXXX XXXX XXXX  ( XXXX  ) check in the mail to our homeowners association ( HOA ) in the amount of {$1900.00} XX/XX/2018 - Check was deposited at Wells Fargo ; not the bank used by our HOA XX/XX/2018 - Received a letter from the HOA stating we were delinquent ; no check received - Filed fraud case with XXXX, case # XXXX - Filed case with United States Postal Inspection Service, case # XXXXXX/XX/XXXX - XXXX  requested documentation for the claim XX/XX/2018 - Requested documents sent to XXXX XX/XX/XXXXXX/XX/2018- Called XXXX for update and to try and get my money back so I can pay the HOA, XXXX stated they have tried to contact Wells Fargo, but there has been no response. ( There has been no response initiated by either XXXX or Wells Fargo to us, and no funds have been recouped by us as of XX/XX/2018).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested twice to remove this collections that is not mine and Experian is not cooperating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$370.00} past due as of XX/XX/2021.
Product: Mortgage

My mortgage was included in a chapter XXXX bankruptcy that was discharged XX/XX/2020. The Trustee 's office sent the final payment in XXXX and I began making payments in XXXX. I noticed Quicken Loans was not applying the payments to my loan and that the funds were sitting in some partial payment unapplied account. 

The first time I called Quicken Loans they said they would only speak with my attorney because I am in bankruptcy. I informed them that the bankruptcy had been discharged and sent them the discharge document that they claim they did not receive. I was told it would take 90 days to process. When the 90 days was up and I saw no change, I contacted them again and sent a print out of all of the payments that were sent to them through the trustees office which totaled {$65000.00}. I asked them why the payments had not been applied to the account and was told the trustees office did not tell them how to apply the funds. 

I even sent a letter requesting that my account be corrected and that I also wanted a detailed print out of all my payments and credits for the last 5 years because there seems to be errors not only on my billing statement, but my credit report, and my annual tax statement. It has been over three months and I have not received a response. This year I have received 3 different tax statements from Quicken Loans, all incorrect. 

I received my XXXX billing statement today and it shows that I owe {$13000.00}. It also shows an unapplied balance of {$22000.00}. When I first started questioning the errors on my account in XXXX the unapplied balance was {$6000.00}. This means its been almost 2 years since they have applied payments to my account. 

I have even requested to speak to the bankruptcy department only to be told that I am not allowed to speak to them. 

My credit report is also showing a past due balance even though they have received full payments every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a filed a complaint against The XXXX and Transunion previously but since my complaint they have let the US Dept of Department of Education rereport the same loan again as a new loan and its dropped my score XXXX  more points. Theyve removed the old account showing that they've previously reported the same loan under a different account number. They just reported it as new a month ago and closed that and reported it again. I have been fixing my credit and my score was up in the high XXXX XXXX its now XXXX on XXXX. Someone has to be able to stop them from letting the US dept of education from doing this. The information they're reporting is a lie. The loan is XXXX XXXX XXXX. Its not a new loan. This is wrong. Someone need to stop the US. DEPT OF EDU from doing this. Or XXXX  and TransXXXXunion needs to stop letting them do this. Enough is enough
Product: Student loan

I have applied for new XXXX program and has been approved for a new lower monthly amount. First payment is due XX/XX/XXXX {$110.00}. The old past dues payments of around {$600.00} that was posted prior to the new save program, should have been wiped out in XXXX when I was approved for XXXX  program. However the old past due amount is still listed in the system. Keep calling Ed Financial and received the same information that it will be taken off the account very soon. Where are all the way in XXXX now and it's still in my account. I do not have any recourse to fix this. My first payment is due in 3 days and if I make a payment it will be applied to the wrong password amount instead of the future correct payment.