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

I am writing to file a complaint regarding inaccurate information being reported on my credit report by Experian, XXXX and XXXX. I have disputed this information multiple times with the credit reporting agencies, but despite my efforts, the issue has not been resolved. Additionally, I have contacted the company directly requesting verification of the debt, but they have failed to provide the requested documentation or correct the information. 

Here are the details : Disputed Information : The inaccurate information involves an account with XXXX XXXX ; an incorrect balance, wrong account status, incorrect dates of activity. 
Actions Taken : I disputed the information with the three credit reporting agencies on XXXX XXXX XXXX XXXX, but the agencies have not resolved the issue. I also contacted XXXX XXXX directly to request verification of the debt, including account statements, proof of debt and the original contract, but I have not received all documentation or a satisfactory response. 
Request for Documentation : I specifically asked Experian, XXXX and XXXX for proof of the debt and supporting documentation, but they have failed to provide any such information. Despite this, the inaccurate information remains on my credit report. 
I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue, as the credit reporting agencies and the company reporting the debt have failed to properly investigate or substantiate the inaccurate information. I believe this is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.
Product: Consumer Loan

Hello. My Name is XXXX XXXX ; XXXX Veteran on a fixed VA income and Social Security. I put down XXXX down around XX/XX/XXXX for a XX/XX/XXXX Mersades Benz 2 Door coupe ; 4 seater. The cost of the car was {$6000.00}. I thought I was getting a good deal however the car turned out to not only be a lemon for which I have filed a previous case with your organization, but I was stuck with paying not only 35 % intrest rates on a {$6000.00} auto loan through United Finance located on XXXX XXXX XXXX XXXX, Nevada XXXX ; XXXX XXXX ), but also I am still paying the 35 % so it is like my principal hardly moved at all. I still owe {$4800.00} and now I have a XXXX credit rating which is worse than when I started making payments to better my credit and I am in a negative status with all XXXX credit breaus while United Finance is making a fortune from me concerning paying for this lemon car I have previously reported to you this month. I need assistance in both cases to get justice because I am being stressed out and robbed all the way around and I am still making {$300.00} a month payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has updated the balance when the company has sent a letter directly to delete the account. The collection agency agreed to a pay and delete. Although I have no knowledge of this debt, I chose to settle to prevent further collection activities and harassment. The account was paid in full with a balance of XXXX. The current status shows Transunion changed the amount from {$100.00} to {$78.00} instead of deleting/removing from the credit report. Upon reviewing daily updates provided by XXXX, your updates are inaccurate and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate/unauthorized fraud items on report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 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 conviction of crimes which indicates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was notified by email alert that a hard inquiry hit my credit report. I did not apply for any credit card or loan. The company responsible for the inquiry is Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Company was notified no action has been taken at this time.
Product: Credit reporting or other personal consumer reports

Transunion is not in compliance with 15 USC 1681 e and not congruent with the other credit agencies ( XXXX and XXXX ) not reporting a bankruptcy on my credit report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Checking or savings account

Td BANK in XXXX NY XXXX XXXX i opened my td account online on XX/XX/XXXX i seen there was {$3600.00} AND A check deposit for {$15.00} taken out of my checking account but the money was taken from my savings we knew we did do this. 
went down to my td bank branch and we were told that some one in new jersey went toi a td bank had my social security number and got the money at that time i we closed the old checking account opened a new one with a password in case that person  tried again we also put the savings account on freeze than i made a report with XXXX police dept waited than in the mail that i will attach came the check that was cashed ith y name in print and a social security on the back the front of the says UN LOCATE ACCT but in the left hand side of the check has a company i worked for aprox 17 tears but they went out of business in XXXX i left in XXXX and the address that was on that check was a golf course i brought this all down to my td branch about 4 weeks ago they said they did not have it made them copies i asked them that i want to see the video of the bank and the teller and the person getting y money they informed me this will take about 3 to 5 months i do not know why the police dept wants the video as of today no other updates has been given to me can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that I have a XXXX XXXX XXXX account opened in 2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I was harassed by The XXXX XXXX XXXX XXXX XXXX with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the XXXX XXXX XXXX XXXX XXXX and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from XXXX XXXX XXXX XXXX XXXX XXXX demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The XXXX XXXX XXXX XXXX XXXX claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against XXXX XXXX XXXX XXXX XXXX XXXX and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to Bank of America, XXXX and currently XXXX XXXX. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.
Product: Money transfer, virtual currency, or money service

I got a call from XXXX XXXX XXXX saying that some XXXX @ XXXX XXXX  was trying to take {$3500.00} out of my acct and for me to send {$3500.00} to them and it would be put back in a couple of hours I hesitated at first then I thought XXXX  XXXX XXXX called because that was the name on the caller id so I did and they said that my money would be put back in a couple of hours, after I hung up with them I felt something wasnt right so i called XXXX XXXX XXXX and told them what happen and they said I had been scam and that they would never call me, my XXXX sunk.
Product: Credit card or prepaid card

To Whom it may concern : In XX/XX/2019 I moved to XXXX, the XXXX for a new job. In XX/XX/2019, I lost my wallet. I called all of my credit card companies and reported that I had lost my wallet. With some of the companies, I had no issue getting a new credit card sent to my new address in XXXX and others I had a little more trouble with. Since my TD Bank credit card was one that I had trouble receiving at my new address, I figured that I'd wait until I returned back to the US to pick the credit card up then. 

On XX/XX/2019, I called into TD bank to have my card mailed to my US address so that I would be able to pick it up from my house while home for XXXX. 
Upon speaking with an agent they informed me that TD bank had closed my card and would not be reissuing me a new one. I then spoke to the " supervisor on duty '' who informed me that TD had chosen to not reissue my card due to the card not being used enough. When I explained that I had lost the card when I first moved overseas he simply stated he was sorry and that if I want the card back that I would need to reapply. 

I'm writing this complaint because I believe my card was unjustly shut down. I'm still making payments on the card, I like the credit card and the fact that I haven't " used it in a long time '' seems like a very soft reason to shut it down. Furthermore, how do you expect someone to use their credit card if you don't ship it to their address outside of the country? 

I have the police report from the city of XXXX and will be submitting a copy in order to corroborate this information. Again, I feel as though my credit card account was unjustly shut down and would like to have it reopened. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX Membership # XXXX Section XXXX XXXX reporting only. 

Section XXXX and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what XXXX is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same BOA Cards & XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Product: Debt collection

In XX/XX/XXXX, I pullfed my credit reports and found an a writtenoff account from Comenity capital Bank. I called XXXX XXXX asking for clarification and any documents they had that proved I authorized this account. They explained that a written request had to be submitted and provided me with the mailing address.XXXX XXXX XXXX XXXX , OH XXXX. They also stated that I should send attention to Clerk of Record. 

On XX/XX/XXXX, I sent a request to Comenity Capital Bank requesting documentation that proves I authorized the opening of this account. 
On XX/XX/XXXX, I received a letter, from Comenity Capital Bank, stating thatthey received my requested for validation and confirmed that the information is accurate. The letter also explained that I would need to provide a supeona in order to request application records. 

I sent a second letter on XX/XX/XXXX, clarifying that I was not asking for verification/validation and that I only wanted account origination documents. I also asked for all the evidence reviewed for the accuracy of their reporting. 

I have received no other responses from Comentiy Capital Bank. I made another phone call to them today, XX/XX/XXXX. I spoke with XXXX, in the Account Protection Dept. at XXXX XXXX est.. She explained that she didnt see any past requests on record for me and provided the request for records mailing address I used in my inital letters.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Debt collection

I received two physical letters in the post today. XXXX XXXX XXXX XXXX XXXX They are from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' These letters are a violation of the pending restructuring taking place at " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' I am not to be contacted. There is a criminal trial underway for bank fraud and I want to testify against many banks and government agencies which are bankrupt and embroiled in a massive scandal. Send future communications to : https : //www.sullcrom.com/Lawyers/Andrew-G-Dietderich. 

DO NOT CONTACT ME AGAIN! 

YOU ARE HARASSING ME! I HAVE NO ACCESS TO A BANK ACCOUNT DUE TO FRAUD AND BANK FAILURE. IT IS IMPOSSIBLE TO MAKE ANY PAYMENTS, AND YOU ARE CURRENTLY IN DEFAULT ANYWAY. I'M A CREDITOR OUT OVER A XXXXXXXX XXXX  IN THIS ONGOING FRAUD. 

Since you are contacting me again despite the multiple cease and desist orders, I am requesting that you provide the XXXX footage of the incident I had at your affiliated entity today, where I entered the bank to remove a lock on my account and they called the police on me, and made a false police report where they told the police I was " violent ''. I could have been killed. They did this because I wanted to record audio of the interaction. I want to press charges against Schwab for the incident, and against the person who filed the false police report with the intent of having police violence done against me, XXXX XXXX.
Product: Checking or savings account

ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : ISSUE : HSBC Bank refuses to pay promotional offer to Retired Military member because of military payment schedule FACTS : - In XX/XX/2018, HSBC offered up to {$600.00} for opening a HSBC Advance checking account by depositing and maintaining at least {$5000.00} in an HSBC account and initiating a recurring ( on a monthly cycle. ) direct deposit to the Advance account. The promotional payments would by calculated as 2 per cent of the direct deposit per month with a maximum of {$50.00} per month for 12 months. 
- In XX/XX/2018, I took advantage of the above offer and directed the U.S. Defense Finance and Accounting Service ( DFAS ) to redirect my monthly XXXX XXXX payments to the HSBC account. 
- No promotional payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. The explanation was that no direct deposit was made that month. Further, I was charged {$25.00} maintenance fees ( since reversed ) for two of those months. 
- DFAS frequently makes monthly Military Retiree payments a day or two before the first of the month resulting in some months with two payments and correspondingly, some with none. 

ACTIONS TAKEN : - Summer and ongoing. Ive tried working with XXXX, Va branch. They could reverse the maintenance fees, but could not fix the payment issue. 
- I wrote the President and CEO of HSBC, NA on XX/XX/XXXX laying out the issue with no response until I again asked the local branch to prompt action. 
- On XX/XX/XXXX, I received a generic acknowledgement of my concerns from the HSBC Manager of Customer Relations in XXXX, NY. 
- After immediately thanking them, I asked for a status report on XX/XX/XXXX, nothing heard as of XX/XX/XXXX. 
- I again asked ( via email ) the manager of the XXXX branch on XX/XX/XXXX for a status report, again nothing heard. 
- On XX/XX/XXXX, I called the Customer Relations Manager in XXXX and left a message. Nothing heard since.
Product: Student loan

I applied for XXXX XXXX XXXX XXXX ( XXXX ). I mailed my application to MOHELA and also uploaded my application via their online servicing portal. I received an email from them via their secure portal dated XXXX XXXX, 2022 stating that they would process my application within 10 business days and let me know if my application has been approved. After 10 business days passed and I hadnt heard from them, I sent them a message via their secure portal asking for a status update on XXXX XXXX, 2022. I received no response. I sent another message via their secure portal on XXXX XXXX, 2022 asking for a status update. To-date, I still have not received a response. I would like to know whether my application for XXXX has been approved.
Product: Money transfer, virtual currency, or money service

hi. i bought in XX/XX/2018 {$500.00} worth of XXXX  trough coinbase. .now coinbase allege i only have {$1.00}. i never authorized a single transaction. where's my money??? thank you Bought XXXX  XXXX XXXX  @ {$1100.00} per XXXX  Reference code XXXX Price per coin {$1100.00} Payment Method MasterCard XXXX Coinbase Fee {$4.00} Payment Method Fee {$12.00} Subtotal {$480.00} Total {$500.00} XX/XX/2018 XXXX XXXX