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

On XX/XX/2021 I was told by a phone agent that if I upgraded my account to HSBC premier Checking I would receive a bonus of {$400.00} as long as I made {$5000.00} worth of direct deposits every month for 6 months. I did so. I called to confirm this with an agent at least once since that time and asked them to confirm the terms of the offer which they said were notated to the account. 

After meeting the requirements I was told on XXXX that no such offer was ever made. And that no bonus would applied. I requested the bonus from HSBC but none ever came now the company had changed names and I fear I will never get the promised bonus!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was notified by XXXX XXXX that my XXXX XXXX ( provided by TransUnion ) had decreased. This was surprising to me because I am unaware of any account changes, delinquent payments, etc., that would impact my XXXX XXXX. Upon logging into to my XXXX account to view my XXXX XXXX, it showed a drop of XXXX points from XXXX to XXXX. 

Today, XX/XX/2022, I attempted to contact TransUnion to identify the source of the credit score change. After speaking with three different representatives, they were unable to explain or identify any reason for this change, and they recommended I contact the CFPB for further information. 

How can this company significantly change my credit score, impacting my creditworthiness, without having any identifiable reason to do so?
Product: Student loan

My student loan minimum was {$200.00} a month. On XXXX XXXX I submitted through the Federal Student Aid website an application for Income-Driven Repayment Plan/ SAVE repayment plan in hopes of some relief. I just had my first child in XX/XX/XXXX. I updated my family size in the IDR application. Instead, on XX/XX/XXXX MOHELA changed my minimum {$470.00} beginning XX/XX/XXXX. This seems to defeat the whole purpose of SAVE and it seems like Mohela continues to mismanage loans.
Product: Debt collection

This organization has failed to provide the following information as well as constant calls and harassment. 
- Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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. ( 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are not investigating disputes. I have submitted Police report, FTC identity theft report, showing that accounts and inquiries don't belong to me and that my information was leaked in the XXXX XXXX and they fail to remove fraudulent information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 


XXXX announced that it had breached the data of approximately XXXX XXXX U.S. consumers. ( names, addresses, dates of birth, Social Security numbers, and drivers ' licenses numbers were exposed. )
Product: Debt collection

We received a XXXX XXXX from Ditech Financial LLC. for an account that was " settled in full in XXXX '' for an old account. Ditech has stated they sent this form into the IRS and we will need to claim it as income for XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with Ditech
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT XXXXXXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : Equifax I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 

However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to Equifax, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hi, Ive been a victim of fraud for {$50000.00} which was stolen from my Bank Of America via ACH Transaction with the amount of {$10000.00} and {$40000.00} on XX/XX/22. The bank denied my claim and closed my account. The name of the bank is Bank of America and the bank that my money was sent to is XXXX. This is now affecting me from opening a new bank account. I've tried multiple times with Bank Of America to resolve this matter with no luck. In addition, I went to XXXX bank to resolve this matter and they said the account was made online and transferred. This is already a red flag as I thought you can't just open an account online and transfer such large amounts right away via ACH Transfer. There's no proof that I even opened an account with XXXX since the IP address they're showing in the denial letter for is different from the IP address that I use at my house. Please help me resolve this matter as the bank is continuously denying my claim with no proper proof and I'm out of luck. Thank you!
Product: Debt collection

I have been contacted by this company several times from several different phone numbers. Each call is followed by a voicemail from XXXX with Property Receivables. I have requested a mailed copy of official charges from the rental property that this debt collection agecy claims that I owe. I mailed this company in XXXX. I have yet to receive anything via mail, only several phone calls at anytime of the day, even weekends. I have received 10+ calls with 6 recorded voicemails from XXXX from Property Receivables. The company has yet to provide official proof, just constant harrassment.
Product: Credit card

I have had my Chase card since XX/XX/1987 They raised my rate to 27.24 % prior to the advent of the Dodd Frank Act and the creation of your agency. I spoke to XXXX in customer service and she indicated there was nothing Chase could do to lower my rate. She indicated that Chase was not lowering rates right now. I spoke to her about the need review and lower rates according to Regulation Z. She answered that Chase was only required to review not lower rates. My account is in good standing and been so for many years. I would like you to investigate and see why after 5 years of required rate re-evaluation there has been no reduction in my rate.
Product: Credit reporting or other personal consumer reports

Due to identity theft and fraudulent activity on my credit from the years XXXX I have asked to be removed from chexsystems and XXXX XXXX  which is preventing me from opening a bank account because someone fraudulently opened one in my name and attempted to do bank fraud. Please remove my information from these reportings
Product: Mortgage

Regarding our Wells Fargo Home Mortgage # XXXX which was paid off on XXXX XXXX, 2015 & gt ; Residential Address XXXX XXXX XXXX XXXX Oregon XXXX & gt ; Mortgage Bowerers ( us ) XXXX XXXX XXXX and XXXX XXXX XXXX & gt ; Complaint is that Wells Fargo Home Mortgage has not delivered to us any of the required Loan Satisfaction Documents. We have called twice complaining about this. The people we talked to at Wells Fargo about this deficiency have acknowledged the deficiency and promised to expedite the document processing and delivery to us, but this has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son opened an account with XXXX cable. He added me as a contact on the account. He is a XXXX  and had to change homes due to his mobility. He was sent bills but they never reached him. So the company reached out to me to pay the bill. They said I was on the account. I told them originally I would not pay the bill since it was not mine. About 30days later I contacted the company letting them know I would pay the bill as long as it did not show on my credit report. The customer service personell said she would send me a letter stating that fact. She said I only had to pay this amount {$330.00} to XXXX XXXX and they would not put anything negative on my account. But they and said I owed the balance of {$170.00}. When I tried to reach out both XXXX and Convergent, they give me the run around. Neither says they took the paymant that they both can see on the account. Also, there is a balance, again I was told this would not show up on my credit score. Now everyone at either company say they didnt talk to me, but the payment was there and it is showing on my credit. They both continue to put me on hold and eventually the phone hangs up. I have called three times being on the phone for an hour or more each time.
Product: Credit card

Portfolio Recovery stated in a response to prior complaint that they never received information or documentation from XXXX XXXX requesting proof that XXXX XXXX AKA Portfolio Recovery LLC never received nor heard from XXXX XXXX disputing said Account. Also in Response from Portfolio Recovery on said account that first missed date or default date was XX/XX/XXXX when first said missed date or default date was XX/XX/XXXX provided by Portfolio Recovery LLC themselves. When in fact XXXX XXXX sent certified letters as well as emails disputing said Account in which in fact I had a response from a representative from Portfolio Recovery on this matter from there dispute department that Portfolio Recovery stated they never received any correspondence from XXXX XXXX disputing the said account.
Product: Payday loan, title loan, or personal loan

Ever since sometime during the last week of XXXX I have been trying to contact Kikoff to discuss my XXXX due dates of the XXXX and XXXX and why I could not make a payment or add a new method of payment and all I have received are excuses and " we will email instructions on how to do this '' when I have explained to them at least 30 times the website and app is not allowing to do this and there is nothing I can do about it. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 10 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. 

Now my account is a month overdue and I am sure they are not gon na have a single problem reporting me to the credit bureaus even though I have tried everything within my power to pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX  and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are XXXX XXXX XXXX for {$90.00} and XXXX XXXX XXXX for {$11000.00} and NCC business services for {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is " XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Product: Mortgage

Wells Fargo Bank has caused me to lose a closing date on selling my home because of their gross negligence. I had a mortgage loan that was opened with Wachovia, transferred to Wells Fargo, and paid off with a Wells Fargo home equity line of credit. The lien from the 1st mortgage should have been released when it was paid off. 

When my closing attorney did the search twice the lien did not show up. However, during the prep for the closing the title company did a search and the Wachovia lien came up. 

Initially I contacted Wells Fargo in XXXX for the Wells Fargo home equity line of credit payoff and I received it XX/XX/XXXX for the 1st closing date on XX/XX/XXXX with no mention of the 1st mortgage being outstanding. I contacted XXXX XXXX of Wells Fargo mortgage dept to clear off the 1st mortgage lien since it was paid off years ago, and he said it will be taken care of for my XX/XX/XXXX closing, however to date, XX/XX/2023, after 5 calls it is still not done and the closing was not able to take place yesterday! I'm heartbroken! 

I am an XXXX XXXX XXXX woman who is widowed and XXXX. I have been struggling since last year to sell my house and now this. I have already moved to an apartment and really need this sale to pay off my obligations and to live. Please Please help me! 
Wells Fargo is holding me hostage and I dont know what to do. I need this right away ... the buyer is waiting and I CAN NOT lose this deal. 

Help me, please. I will be forever grateful for your assistance. Thank you kind person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. XXXX has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX  XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX  XXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my credit score by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX  has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that XXXX, equifax, and there entities has decided to demolish my credit score. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX  XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.
Product: Debt collection

My wife and I have received XXXX ( XXXX ) telephone calls from Premium Asset Lending since Monday XXXX XXXX, 2015. 

My wife received XXXX ( XXXX ) phone calls on her cell phone at work yesterday, XXXX XXXX, 2015 from this telephone number " ( XXXX ) XXXX and ( XXXX ) XXXX from an " XXXX XXXX '' calling from " Premium Assets Lending '' leaving a XXXX messages to contact me XXXX XXXX regarding pending legal action that will " take place '' if I do not contact him " XXXX XXXX '' by the " XXXX '' -today is XXXX XXXX. One message said to call " XXXX XXXX ( spelling? ) " the attorney handling the case- case number : XXXX by the " XXXX '' not XXXX XXXX, 2015 just the " XXXX '' I do n't even know what I am being contacted for -I received XXXX telephone calls, XXXX from a woman on Monday XXXX XXXX, 2015 who did not identify herself at telephone number ( XXXX ) XXXX who left a message on cell phone to call " ( XXXX ) XXXX '' immediately and threatening that " there is legal action pending. '' I then received a telephone call from " XXXX XXXX '' from telephone number " ( XXXX ) XXXX '' leaving a message on my cell phone this morning telling me to call him back by the " XXXX '' because of a legal matter of concern with me. 

What can we do to stop these threatened phone calls from Premium Asset Lending
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told  me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement (  attached  )  dated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the executed  Loan  modification agreeme nt RPM on   XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender   XXXX   XXXX   XXXX   XXXX   XXXX   and  Roundpoint whe n they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report with Equifax and it is a incorrect address that is listed and is not my address and I have never lived there the address is XXXX XXXX XXXX XXXX XXXX XXXX it needs to be removed from my credit report it is causing me great stress. I have sent a letter to the credit bureaus asking for removal I have sent proof of identity and proof of address the address that should be on my credit file is. XXXX XXXX XXXX XXXX XXXX  XXXX, everything else needs to be removed I have also contacted Equifax by phone and they are not helping they are violating my rights
Product: Vehicle loan or lease

I had/have a auto loan with Santander back and was on an agreed payment plan, I requested for lower monthly payments due to hardship but Santander declined XXXX while trying to catch up with my past due payments Santander kept reporting late payments to credit agencies, Santander also closed the loan account citing charge off while I was still making payments. I made a full payment in XXXX and just as I was scheduled to make a full payment in XXXX Santander repossessed the vehicle. I have since not gotten and status of the vehicle and Santander is still to this day constantly reporting late payments, distorting my credit. I believe Santander is abusing the credit system once again.