23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Product: Credit card or prepaid card

I made a purchase {$280.00} with XXXX XXXX ( XXXX and XXXXXXXX XXXX ) on XX/XX/XXXX. Since I didn't receive the t -shirt I purchased, I filed a claim with Citi and received the conditional credit for dispute from Citi on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi told me that they tried to contact the merchant to resolve the issues with but failed. So Citi reverse-charged the credit {$280.00} on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi asked me to settle this dispute by issuing a permanent {$80.00} credit on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi mentioned that I could continue working with the merchant to get my full amount of money back but Citi would not involve in the future discussion any more. I agreed with the settlement with Citi and accepted the {$80.00} credit. I continued working with the merchant and the merchant finally issued a full refund of {$280.00} on XX/XX/XXXX. Since my original purchase was made via XXXX, the refund was issued through XXXX ( see XXXX transaction details ). The refund was shown as " XXXX *END. '' on my Citi statement on XX/XX/XXXX ( see Bank XXXX XXXX statement ). However Citi reverse- charged me again on XX/XX/XXXX ( see Bank XXXX XXXX statement ). I contacted Citi to understand why Citi reverse-charged me again since then. Citi insisted that Citi issued the refund on XX/XX/XXXX and they decided to reverse charge the money. But from the XXXX transition details and my Citi bank XX/XX/XXXX statement, it is clear that the refund was issued by the merchant rather than Citi.
Product: Mortgage

URGENT MATTER SEE ENCLOSED HSBC BANK XXXX AND ITS COLLABORATORS FRAUDULENT ACTIONS TO EVICT ME FROM MY HOUSE ON XX/XX/XXXX - WHILE NEW YORK STATE HAS A MORATORIUM FOR XX/XX/XXXX. 

I filed complaints with CFPB multiple times - HSBC Bank XXXX continue to lie and deny the facts. Please see below previous document submitted, and now re-submitted. 
Please see newly submitted documents ATTACHED also whereby HSBC Bank violated multiple FINANCIAL LAWS INCLUDING RICO .... 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC IS BARRED BY FRAUD - FOR FILING HOME FORECLOSURE ACTION AGAINST ME. Heres foul-proof/consummate proof that HSBC bank XXXX had INTENTIONAL plans to defraud me prior to XX/XX/XXXX. I have doled almost {$400000.00} to HSBC and there is no proof of them PROPERLY ACCREDITING SUCH FUNDS ON MY BEHALF. See HSB via XXXX XXXX XXXX XXXX, fraudulent use of the FBI logo to bully and intimidate me. HSBC intentionally, violated TILA, False Claims Act, Committed Financial Fraud, Mortgage Fraud, and my civil rights as they ignored RICO in the process. The fraudulent loan was obviously table-funded/ Hence, 1 dont know if all the moneys I have paid HSBC so far has been properly credited. Whereby, I have requested original documentation from them on numerous occasion -to no avail and HSBC also ignored Federal laws. HSBC intentionally defrauded me beginning on XX/XX/XXXX, prior to them giving me an assumed loan, interviewers name XXXX XXXX XXXX by assign MERS. Please note that i have additional multiple pieces of evidence to support my claims but i could only upload 4 docs. Ap # : XXXX MERS NUMBER THEY ASSIGNED TO ME FROM XX/XX/XXXX See also HSBC letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Retail team 03, loan processor ), once more with MERS number XXXX See form " Direct Endorsement Approval for a HUD/FHA- Insured Mortgage '' pg. 3 of 4 with an approval date of XX/XX/XXXX with MERS number XXXX and XXXX XXXX XXXX signed off as HSBC Bank mortgage representative underwriter. Also, on the said form see HSBC fraudulent claims as lender in the shaded box to the left, and theres NO LOAN NUMBER FROM HSBC TO LINK THEM WITH THE FICTICIOUS LOAN IS AFFIXED on the form. See " Borrowers Certificate : pg. 4 of 4, dated XX/XX/XXXX and XXXX XXXX XXXX signs as lenders officer, MERS number XXXX is affixed, and Borrowers signature space is BLANK
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was notified that there was a hard inquiry on my credit report. It was Wells Fargo, I do not bank with them or have a credit card with them. I am not sure how they got my information. I called them to report Fraud. I have not anything from the process. I want this inquiry off my credit report. This was not me.
Product: Debt collection

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
XX/XX/XXXX  Auto Credit of Virginia summoned XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a debt not verified to collect additional payment on an obligation of the United States from an extension of credit backed by the full faith and credit of the United States. 
15 USC 1692F unfair practices taking a threat to take any non judicial action to affect disposition or disablement of property. There is no present right to possession of the property claimed as collateral through an enforceable security interest. There is no present intention to take possession of the property or the property is exempt.

15 USC 1692 abusive practices deceptive and unfair debt collection practices 15 USC 1605 Vehicle the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

[ Truth and Lending Act ] 15 USC 1679 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. [ Finance Charge Consumer Credit Transaction ] GOOD FAITH LOAN 15 USC 1662 ( b ) down payments not required No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX
Product: Credit card or prepaid card

Hello Discover Bank closed my account because of information they claim they couldnt verify. Which was a previous address. I learned my rights and pointed out to them violations and informed them I wanted to exercise my right to rescind because of the unfair and deceptive actions they have taken against me. Discover was sending me statements saying I owe a debt and took part in unauthorized use of my credit card. Without my written consent gave my information to credit reporting agencies and wont delete my information from those agencies or there system. They informed me that by law they have to keep my information and credit card on file. 
Thank you for your time in this matter.
Product: Debt collection

Even though Comenity Bank closed my account, on X/X/2017, I contacted Comenity Bank & informed them that I was experiencing a hardship, & my paychecks were being garnished for taxes. They insisted on putting me a hardship/settlement program & wanted {$1500.00}. I informed them then I did n't have it nor really could make the {$500.00} payments for 3 months. I had received various telephone calls in XXXX, XXXX & XXXX afterwards & I informed them I really ca n't pay it. On XXXX, a rep name XXXX call & I informed him that I did n't have the money to pay the settlement amount {$1500.00} dollars that they are trying to collect. I informed him that I had lost my job & just started working back again & had several bills to catch up on including my rent. In addition, I had informed him the amount they are reporting to the credit bureaus was incorrect stating I owe almost {$3200.00} & then he stated that it was {$2600.00}. He stated in a rude manner, " well, how are you living and supporting yourself '' - " why did you set up the payment arrangement if you did n't have it ''. I informed him that I had informed that hardship people at their bank that I did n't even have that amount, that I 'm a single, divorced mother with XXXX XXXX from marriage that I am caring for & that I am about to be destitute. He still had a nasty tone & stated well I 'm going to investigate you. I hang up on the rude person. After the call I was very upset. During my lunch hour, I found a XXXX store & paid {$20.00} on the account. I travel 2 hours every day for my job & I used my gas money to pay something towards the account. Today, XXXX, an unknown number called & the rep left a message saying this is an important matter from the bank. I have never provided them with my work number. My cell phone is setup to block private/unknown phone numbers. They 2 seconds later, the same female rep called from an unknown number to my new job. My employer doe n't allow for these calls at my job. I informed her & stated that she is not allowed to call me at my job. She claimed that she can. I hung up on her. I turned around & called Comenity Bank & reported it & asked to speak to a manager, but they gave me XXXX from the Resolution Team. I explained to him the incident & the various conversations I had with their reps ; and, he claimed that they removed all my numbers. I asked him to report this matter to executive ( President ) he claims that he had sent the message to the appropriate person/team, but could not sent to the President of the Company and they will handle this information as they see fit. I 'm very upset about this. I have had other Comenity Bank Credit Cards and paid them in full. This one fell behind because I do not have the money to pay it right now because I have other debts that take precedence. They do n't care and they are rude and abusive.
Product: Credit reporting

3 inquires listed on my Trans Union credit report were removed and placed back on my credit report without any notification to the consumer ( me ). This is against the law and illegal. I called Trans Union on Monday, XXXX XXXX and spoke to a representative who confirmed the inquiries were removed and replaced back on. He said these 3 inquires will be removed. I told him I wanted the statement in writing, he said he could not do that since this is a system glitch issue. I stated if these inquiries were not removed from my credit report due to Trans Union violating the law and my rights as a consumer, by Monday XX/XX/XXXX/2017, that I will be making a complaint to the CFPB to have them removed promptly. Again, this is against the law deleting and replacing inquires that potentially pose as negative information on a credit report and those such inquiries were listed back on my credit report without any notification. I found out these inquiries were removed and replaced twice - the first time between the week of XX/XX/XXXX/2017 & the second time the week after ( XX/XX/XXXX/2017 ). I was able to find this info due to a credit monitoring service that I consistently use that updates weekly on Mondays. Please remove these inquiries promptly as I was told they would be removed over the phone and this was never done. Thank you. 
( See attached spreadsheet for listed inquiries ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion report # XXXX, is laced with false entries. 
1. XXXX Card was closed BY ME, the consumer on XXXX.TU put grantor-that is FALSE! CHARGE off happened XX/XX/XXXX. REMOVE THIS ACCOUNT for all the false entires=FRAUD!! .Double entries on XX/XX/XXXX and XX/XX/XXXX for 120 days. From XX/XX/XXXX to XX/XX/XXXX is to be a CHARGE OFF-Closed by consumer!! Correct balance to XXXX!! 
Date closed XX/XX/XXXX by me!! .No maximum delinquency of 120 days-REMOVE false statement. 
2. XXXX XXXX and XXXX XXXX are to show updated information. Today is XX/XX/XXXX. 
3. On regular inquiries -Remove all OLD inquiries. XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. Incorrect information. Not correct date. Remove it. 
4. Remove and block all Promotional inquiries. I never authorize these transactions. 
It says Transunion XXXX XXXX with several dates. Transunion is retaliating everytime I file a dispute and lace my credit report with false entries. REMOVE IT!! Consumer Fraud. 
5. Account Review Inquiries. Remove the following : Transunion XXXX XXXX on XX/XX/XXXX is recorded twice. Look above it- says the same. Remove it. 
6. XXXX, I NEVER authorized them to run my credit report ever!! Remove it at once.
Product: Credit card or prepaid card

I opened the XXXX XXXX XXXX- with Comenity Bank. 
As part of the offer- you are supposed to receive 4 % cash back on your purchases to be redeemed only at XXXX. 
The rewards only last a certain amount of time. 
I had XXXX $ that was supposed to expire on XX/XX/2022. However when I tried to redeem my rewards on XX/XX/2022 - my balance was XXXX XXXX 
The bank had technical issues that week/weekend was the reason I was told. I have been calling and emailing for over 4 months to try to get this issue resolved. Many times I have had my calls disconnected. 
This is the worst Credit Card Company/Store Card - it is unfortunately a poor reflection on XXXX as they are chosen to use them and do not offer any customer support to solve the problems caused with their Companys chose CC Banking establishment .
Product: Credit card or prepaid card

Several days ago, I had purchased a XXXX XXXX Gift Card for the total of XXXX XXXX dollars. Not only am I unable to view my balance online, but my card with plenty of money to cover my purchase is being declined online for anything. Their website has offered no place to file a dispute or issue, so I resorted to the Consumer Financial website after calling their customer service line and not being placed on a line to speak with a representative.
Product: Credit reporting or other personal consumer reports

I requested information on the report be validated. The report shows that this is a charged off account. There is a past due balance. if the account is charged off there is no longer a balance and should not show past due. There is a {$310.00} that was written off, yet there is still a balance of {$730.00}. There are reporting inaccuracies and needs to be removed.
Product: Credit card or prepaid card

1. I was charged {$1000.00} to XXXX XXXX which I did not authorize! to my Barclaycard. I did report it. Which brings me to the facts of some suspicious operations with Barclays. 
On the day I tried to call in customer service to deny authorization of that charge, there was no customer service up and running. I believe their computer system was down. I don't know really why and no attempt was made to notify customers before, during or after this incident which I find very suspicious. I did close that account. 

2. I had noticed for the duration I had this card that IT TOOK 4 TO 5  DAYS TO POST CHARGES AND THEN IF I MADE A PAYMENT IT TOOK 4 TO 5 DAYS TO CREDIT THE ACCOUNT WITH MY PAYMENT WHICH WAS DONE ONLINE RIGHT FROM MY BANK ACCOUNT and therefore this is my complaint : 1. Fraud 2. poor banking accounting done in a timely manner and customer service done by remote agents all over the world which should be banned.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Creditor : XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint regarding an auto loan account closed account ( Account # XXXX ) that TransUnion is reporting inaccurately. The following issues violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the maximum possible accuracy of all consumer information : High Balance Discrepancy : TransUnion is reporting a high balance of {$15000.00}, which does not match/conflicting with other agencies report Violation : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 
Date of Last Activity : TransUnion reports XX/XX/year>, which are conflicting dates respectively ).

Violation : 15 U.S.C. 1681c ( a ) Reporting inaccurate dates can impact delinquency timelines. 
Closed Date Discrepancy : TransUnion reports the closed date as XX/XX/year> Creditor Type Inconsistency : TransUnion lists the creditor type as Savings and Loan Companies, and does not match the accuracy of the other reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by various creditors. I am seeking your intervention and assistance in enforcing these laws to rectify the issues that have had a profound impact on my financial well-being and personal life. 

I would like to bring to your attention the following violations that have taken place : XXXX XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
Violation : Inaccuracies in credit reporting, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX # XX/XX/XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX # XXXX and XXXX # XXXX : Violation : Discriminatory practices in credit transactions, violating the Equal Credit Opportunity Act ( ECOA ). 
XXXX XXXX XXXXXXXX # XXXX : Violation : Failure to properly investigate or respond to billing dispute, violating the Fair Credit Billing Act ( XXXX ). 
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX : Violation : Abusive or deceptive practices during debt collection, violating the Fair Debt Collection Practices Act ( FDCPA ). 
These violations have not only shaken my confidence in the financial system but have also had a deeply distressing impact on my personal life. The inaccurate credit reporting has affected my ability to secure loans for major life expenses, such as purchasing a home or a reliable vehicle for my family. These events have caused immense stress and turmoil, making it incredibly challenging for me to provide for my loved ones and pursue a stable future. 

Allow me to share a personal story to illustrate the gravity of these violations. [ Include a detailed, emotional story that vividly describes how the violations have affected your life. Talk about the emotional and financial struggles you've faced as a result. ] In light of these violations and the profound impact they've had on my life, I kindly request your intervention to enforce the legal provisions outlined in the relevant federal consumer protection laws. I implore you to ensure that the creditors take immediate action to rectify the violations and remove these unverified accounts from my credit report. This will not only provide me with the relief I desperately need but also reinforce the importance of adhering to consumer protection laws. 

I greatly appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please do not hesitate to contact me if you require any further documentation or information to proceed with my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The closing date is on XX/XX/2024, and I paid the HELOC completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Product: Student loan

I am enrolled in XXXX XXXX XXXX at least half time. My school ID # is XXXX. I have graduated, but had to continue classes due to certificate/concentration classes. 

I keep contacting Nelnet via their online portal requesting deferment due being in school. Called them on the phone and they submit it.

But no one ever contacts me back and I keep getting billed, late fees, etc. I spoke to my school and they said their isn't anything on my account where they contacted them.

I have no method of resolving this except to go through you. Please help me resolve this issue. This company is the worst to deal with!