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

On XX/XX/year> I filed a dispute with HSBC in the amount of {$600.00}. I told support that I paid for a service that wasnt received, that I was scammed out of the money, and that I had attempted to have the funds returned but had no response from the merchant. HSBC filed the dispute, and informed me to check back in periodically, that there would be an update by the 10th business day. I checked in multiple times to no update. On the 10th business day I was given a number to reach the disputes team, I attempted calling multiple times, left multiple messages, and my calls were never returned. Throughout this process their support team attempted to deceive me with misinformation, I was given different information on almost every occasion, and then I was informed the charge didnt meet regulation E requirements and no credit would be issued ( this was on the 11th business day after multiple follow ups and being told a credit would be issued on the 10th business day ). The supervisor I spoke to on XXXX XXXX was extremely deceitful trying to cover for the banks mistake and while she apologize that her support was inconsistent and had lied to me, she refused to hold up the banks end of their promises. HSBC is also in the process of closing my account due to a bounced check, even though I immediately tried to rectify the mistake. They have been holding my funds for 45 days refusing to return the funds or give me access to them. I have even tried to keep the account open after all of this, but their support has nothing other than scripts to read, and with their poor training are unable to help in any regard. I would like my funds returned ASAP, I would like HSBC investigated for malicious behavior towards their consumers, and I would like my credit issued as promised.
Product: Debt collection

I was recently alerted to a credit collection company on my credit report XXXX XXXX XXXX XXXX is Wakefield and Associates. 

Since we never received anything from the originator, XXXX XXXX, we were not aware of this invoice. 

On XX/XX/2022 at XXXX, I called XXXX XXXX and was told that the address their bill went to was a street on XXXX XXXX this is an incorrect past address from over 20 years ago. 

I asked where they obtained their information the answer was from the hospital I find this to be suspicious since the hospital has my drivers license and billing information with the correct address. 

I was then told that one call was made to my number from XXXX XXXX and a message was left. 

A call should have been made to the originating hospital to verify my address since I receive all my other bills from the hospital. 

I asked, why didnt you call the hospital to verify my address. I was told, because we have thousands of bad addresses. 

Therefore, since I am not at fault for them not having the correct information, I request to have this charge removed.
Product: Credit reporting or other personal consumer reports

Equifax shows my name as XXXX XXXX XXXX XXXX and I am not and never have been a XXXX. I have asked for this to be removed a few different times over the years and they will not remove it. They are asking me to send them a copy of my social security card and I don't think that is an appropriate response. They can look it up on every credit report or credit file that I have ever had an XXXX  has never shown up on my name. They are the credit reporting agency and needs to do the work to keep their info correct. They also stated in the file I just received on XXXX that said I have a Bankruptcy, which I do not have. It says this on page XXXX XXXX of the report under hurting your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage in Delaware this past summer. This is the law before you can see real estate in Delaware as your credit score must be known and approved. There was a lock on my credit score and for 3 days both the mortgage broker and I tried to unlock my credit with Equifax ; we could not do this despite my calling and calling Equifax and getting a different story each time I called. Equifax would not put me through to a manager. 

Issue 2. Phoney XXXX XXXX  credit card " discharged '' in 2017 for {$380.00}. I applied for a {$50.00} gift card and I was scammed into a XXXX XXXX  credit card instead with an unwanted credit limit of {$4000.00}. I already have a XXXX XXXX  card with a credit limit of {$3000.00}. I filed with NJ Consumer Affairs and my complaint was sent to Washington attorney general 's office but XXXX XXXX  did not answer in a timely manner. A few weeks ago, XXXX XXXX  tried to scam me, yet again, by pretending to look into their phoney business dealings with a " XXXX Executive officer '' lady and then telling me I could pay the {$380.00} for the " charged off '' credit card that I never requested in the first place. I never got a bill for this {$380.00}, I never charged anything except a slice of pizza and a soda on what I had ordered was a " gift card '' not another {$4000.00} XXXX XXXX  credit card. Please help me as I want to buy a condo in Delaware and not pay a higher interest rate because of my phoney, scamming XXXX XXXX  and Equifax, too.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Wells Fargo for inaccurate credit reporting, failure to correct errors, and potential FCRA violations. 

Wells Fargo falsely reported a late payment for XX/XX/XXXX, despite their own system confirming that I did make the payment on time. 

Key Facts : On XX/XX/XXXX, I called Wells Fargo, and their representative verbally confirmed that I made my XX/XX/XXXX payment on time. 

Despite this, my credit report shows a late payment for XX/XX/XXXX, which has negatively impacted my credit score. 

I have a bank statement from XXXX XXXX confirming a Wells Fargo payment was made in XX/XX/XXXX. 

Wells Fargo has refused to correct this reporting, despite my repeated attempts to resolve this issue. 

This is not the first time I have had issues with Wells Fargo misreporting my account history. 


This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in harm to my credit. 

I request that Wells Fargo immediately correct the inaccurate late payment entry for XX/XX/XXXX and notify all credit bureaus. If they fail to correct this issue, I will seek further legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Incorrectly reported late payments and correct account balances immediately To whom it may concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXX XXXX. XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXXXXXX XXXX XXXX XXXX XXXXXXXX  { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$180.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX  { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } Incorrectly reporting late balance. balance for this card for this card is {$0.00}. -please correct balance immediately I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I paid off a volunteered reposed car of over {$16000.00} with the GM Financial on a XXXX XXXX XXXX they would remove the charge off listed on my credit report. As of XX/XX/XXXX it has not changed. I contacted them in mid XXXX and asked for a correction with no change. When I couldnt afford the car I had them repossessed voluntarily I need a correction on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.
Product: Mortgage

I, XXXX XXXX, fell upon a hardship due to covid. XX/XX/2021, Flagstar Bank XXXX XXXX Servicing Company ) agreed to a trial payment plan for a loan modification. Payments of {$1500.00} to begin XX/XX/2021 for 3 months. Those payments were made on time as requested ( XXXX, XXXX & XXXX ). Flagstar Bank then sent me a Modification Agreement on XX/XX/2021 in which I signed all documents and had them notorized as requested. That packet was received by them on XX/XX/2021 and was told that it was being sent to the courthouse for recording in the real property records. 
Payments after the approved modification were to begin on XX/XX/2021 of {$1400.00}. Those payments were made on time every month as requested. It has been almost a year and Flagstar Bank still has not brought my loan current as they stated over and over they would. I have called a numerous of times ( all calls are recorded ) and explained this situation and all understand and advise that I am absolutely correct. I have names and ID numbers to verify. On XX/XX/2021, I received a phone call from XXXX ( ID # XXXX ) whom I explained the problem and he verified my information advised it was correct and that my loan will be brought current and I would receive paperwork reflecting that. However, on XX/XX/2021, I received another phone call from XXXX ( ID # XXXX ) advising me and I quote " that in order for my loan to be brought current I must pay {$560.00} and its just that simple or my loan will be terminated. '' I asked XXXX to explain to me why several times and I could not get a clear understanding. XXXX then was conversing back n forth on a computer with someone named XXXX XXXX of whom she would not give me her ID # ) and just kept threatening that my loan will be terminated. I asked for an itemization of all payments but was getting the run around for that information. 
I do not want to lose my home because of their negligence. I have contacted BBB for assistance on this matter as well and have learned that I am not the only person going thru this same exact problem with Flagstar Bank. I have also contacted 7 On Your Side ( News station ) and just trying to get help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The criminal investigation is totally wrong.What you see is only partial and the dates listed for the offense is wrong.In fact older than 7 years, which should be invisible to employers.   Information to be corrected : 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date  :  XX/XX/XXXX   Release  Date  :  XX/XX/XXXX   XXXX  Date :   XX/XX/XXXX   2 )   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date :  XX/XX/XXXX  Release Date :  XX/XX/XXXX  XXXX  Date :   XX/XX/XXXX  W hat the   XXXX   were,  1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) (   Washington State    )    XXXX     XX/XX/XXXX     XXXX   Date :   XX/XX/XXXX  rel ease dat e: XX/XX/XXXX  2  )   XXXX   XXXX     XXXX    XXXX   (    XXXX   XXXX   XXXX   ) (  Washington State  )   XXXX     XX/XX/XXXX    XXXX  Date: XX/XX/XXXX  release date: XX/XX/XXXX
Product: Debt collection

I had been called many times about a debt that I wasnt aware of. I was under the impression I payed all my bills from my previous apartment complex and was surprised when I received the phone call that I had a collection. I asked for a breakdown of what the collection was for and not just who it was from and I could mail a check in when I got sent the information. I gave them my address and everything but never received anything. This happened around XXXX XXXX. I was told that regardless if I received the paper or not, the collection would post to my credit. I have yet to receive anything in the mail months later, I told them I wasnt comfortable giving my card info over the phone, and now Im stuck with the record on my credit. I called to explain today and was rudely told that it was going to stay on my credit even if I payed it. The gentleman said what do you want the link to pay online? ( Which I wasnt aware I could do ) I would like to pay the the TOTAL amount do of literally only XXXX dollars and get the account removed from my credit. I feel I was more than reasonable not wanting to give a random person my credit card information. Thank you.
Product: Credit card or prepaid card

On XX/XX/2018 I had two charges for a " Bronze Package '' maintenance from XXXX XXXX XXXX, XXXX.The first charge of {$240.00} was for the " Spring '' check and repair of a leaking air conditioner, and I was told the second charge of {$270.00} was pre-payment for the fall or winter check. I also paid and additional {$200.00} on XX/XX/2018 for addition of " XXXX '' refrigerant to the air conditioning unit. On XX/XX/2018 the same air conditioning unit began to leak again. I called XXXX XXXX XXXX XXXX. and requested immediate action due to this recurrent issue. A technician came and repaired the unit again and attempted to charge me. I informed him I would not pay for this same issue and that I had purchased a " Bronze Package '' and showed him my invoice. He saw my invoice, agreed with me and said he would " take care of it '' and left without payment.

The next day I saw a charge on my Chase Freedom credit card for {$310.00} that I did not authorize nor provide a signature for. I called Chase to inform them of this unauthorized charge as it was still " pending '' the representative advised me to wait as the charge might reverse. I informed the representative that I did not authorize the charge and that I had never authorized the company to retain my credit card information.

The charge did not reverse and I was charged {$310.00} as above. I called Chase and the representative made a conference call with XXXX XXXX. The XXXX XXXX " office manager '' stated I did not purchase a service package and did not provide any explanation of the two charges on XX/XX/2018. She further refused to send an itemize invoice despite the fact that I was charged for " refrigerant '' on the XX/XX/18 invoice and was not informed about any need for refrigerant as I had spent {$200.00} on " XXXX '' refrigerant above. She then hung up the phone on the representative and myself. The Chase representative did not make any further attempts to assist or explain and stated the charges would stand.

I subsequently made multiple calls to Chase regarding this issue and spoke to " manager '' level representatives who told me that a company can keep my credit card information without my consent and charge me and that Chase does not prevent this type of information theft. Finally I spoke to a Chase representative who agreed the charge should not have occurred. Per her request I sent additional information on XX/XX/2018 including the two invoices of which the XX/XX/18 invoice had someone else 's signature and the XX/XX/18 invoice that had no signature.

Within a few days was told the charges still stand without explanation of any additional " review '' that was performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shouldn't be on my credit report, I already contacted the source and they are saying they haven't recieved the paperwork yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.XXXXXXXX XXXX  ACCOUNT # XXXX OPENED XXXX 2.-XXXX  XXXX XXXX ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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 report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : 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

Banks such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc are selling private information to third party users for financial gain and Im being physically, and mentally impacted and unable to live and provide for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, XXXX and Experian did not. I asked experian and XXXX   how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

A account was opened fraudulently in my name. I immediately contacted the collection company to dispute. An investigation was opened. I filed a police report, completed a identify theft waivers, made copies of bank statements, utility bills and driver license. This XXXX collection account made my score decrease by XXXX points. After the investigation was complete and the account was removed. Experian reported only XXXX points back on my report. I would like to know why only XXXX points was put back for this account when they removed XXXX. That is XXXX points missing that I would like back. That would put my XXXX XXXX back in excellent and the credit bureau know that. I feel like this is discrimination due to me being XXXX XXXX. Credit is way to keep XXXX Americans out of particular buying markets. I would like to know why my points wasnt put back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to a data breach with A old company that I was with. Now my understanding is that your company just want through the same challenges in 2017 and a lot of your consumers were face with fear and uncertainty with there future. I am facing those same feelings because I have accounts on my report that are fraudulent that shouldn't be there. Im unable to purchase a home for my family because of this tragic situation that took place. I did my research and according to the FCRA all accounts that are fraudulent must be blocked and removed within 4 days or your company will be violating the law that was put in place to protect us consumers from atrocities of this magnitude. Justice is what I ask for, I am a victim who needs peace and prosperity.

My family depends on me. I have attached the FTC report, notarized affidavit, proof of ID.

XXXX  Bless You.
Product: Credit card or prepaid card

Bank of America is applying my monthly payment to my 0 % transfer balances first and then applying whatever is leftover above the minimum due, to my 15 % purchase balance.   This seems in direct violation of th e 2009 c redit card act? Where payments must be applied to the highest interest balances first?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  notified me of a hard hit against my Credit score when i have not applied for anything. 

Scring rpts on XX/XX/2019 XXXX