23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for credit card with XXXX on their online website. I have an excellent credit rating of XXXX. On or around XX/XX/XXXX, I was informed in a letter that I was being denied credit due to the fact that I do not have a bank account with HSBC. There was no mention of this requirement whatsoever on their website. 

During the application process, I sent in my personal information. I believe it is unethical for a bank to ( 1 ) collect this information knowing I will be denied credit because I don't have a banking account with them. This should have been the first question on the application ; and ( 2 ) employ bait and switch tactics that imply that if I open a bank account, I will be approved for a credit card.
Product: Debt collection

XX/XX/year> is the date alleged to have opened this account with balance of {$2500.00} original credit XXXX XXXX and collection company is Springs Oaks Caoitol XXXX. 
I have disputed this with the collection company as well as CRB 'S but the information still shows. 
SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX
Product: Student loan

I have paid all payments on time and every month since repayment started. However, each month after making an on-time payment, I receive an urgent email stating my account is delinquent. I have called every month and the representatives state my payment was applied incorrectly. I'm assured each time the issue is adequately updated and the accounting department has correctly applied my payment, and this will not happen again. Yet the predatory behavior continues to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Student loan

My student loans were with XXXX until XX/XX/XXXX, when they were transferred to Mohela so I could apply for the waiver for XXXX. From XX/XX/XXXX until XX/XX/XXXX, my loans were in deferment as I was in college. After finishing my program, my loan payments resumed, despite there being a payment pause due to XXXX. I had assumed that it was because my loans were not held with the government. When my loans were transferred, XXXX told me I had XXXX payments toward XXXX. Mohela added several payments, from XX/XX/XXXX until XX/XX/XXXX ( during the continued XXXX pause and while the loans were evaluated for the XXXX waiver ). On XX/XX/XXXX, I received an email from Mohela with an updated XXXX count of XXXX eligible payments with XXXX qualifying payments. My loan balance showed {$0.00}. ( I still can't even believe this has happened ). 

I have tried calling Mohela 's number, but I can't get through the automated system as it won't accept my birthdate and therefore can not find my loan information. There is no email to send a request to, and the forms on their website do not apply to my questions. 

XXXX, can I request a refund for the XXXX I paid on my loans from XX/XX/XXXX through XX/XX/XXXX? XXXX said that XXXX loans don't qualify for a refund of payments made during the COVID pause because those loans are not federal loans ( if they weren't federal loans, then I wouldn't have been able to put the loans into a Direct Loan to qualify for the XXXX waiver ). 

XXXX, is there a way to know how I reached the XXXX payments when XXXX only had me at XXXX? I'm trying to determine if I am owed a refund for the payments over XXXX or if those payments came from forbearance or deferment periods. None of that information for my loans is on the XXXX site- it only shows the full balance but not the number of payments through each of the servicers I have had over the XXXX ( XXXX was terrible ). 

XXXX if I am owed a refund, what is the timeline for it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my new married name to Transunion to update 2 months it still has not been update. I have credit cards and installment loans paid in full and closed but they are still reporting them open with balances. 
Transunion credit score is XXXX points lower than XXXX and XXXX and TransUnion will not give me a valid reason why.
Product: Student loan

AES -XXXX. After 5 yrs of getting a steady paycheck after graduation I became XXXX. I talked to AES in regards to the program they have called " Long Term Payment Modification '' submitted all the application around XX/XX/XXXX and we went back and forth sending other information they needed, I submitted copies of my tax returns to justify how my income decreased and also submitted the consignor release form. I kept calling them weekly to confirm what information they exactly needed, the last time I talked to them they told me the only document I needed to resend was my XX/XX/XXXX tax returns and within 10 business days I would know if my application was approved. XX/XX/XXXX, I get an email saying my application has expired and I have to submit everything again. I look over the application documents there is no deadline, I am not sure how they decided my application out of nowhere expired? I need help, another of the clauses says the loans have to be current and with no late payments for the application to be accepted I cant keep up with the payments unfortunately and will be in default soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX, you are reporting this collection as an ''Open '' Account which is not under FCRA Complicance . this is inaccurate reporting and needs to be removed of my credit report immediately. please send me a copy of my credit report when the above deletion has been removed, Please attach of the following, 1 the purchase agreement 2, Agreement with your client that grants collection company name the authority to collect this alleged debt 3, signed agreement debtor has made with debt collector, or other verifiable proof of debtor has a contractual obligation to pay debt collector. 4, date of the original charge off or delinquency. any agreement that bears the signature of debtor, wherein agreed to pay creditor
Product: Credit reporting

I am contacting you in regards to a violation of the Fair Credit Reporting Act by XXXX XXXX XXXX and Equifax. I have made several attempts to have the fraudulent account from XXXX XXXX XXXX removed via the original creditor, the company they sold the account to ( XXXX XXXX and Equifax. I was able to resolve the issue with XXXX XXXX on or around XXXX/XXXX/2015, however neither the original creditor or Equifax have removed the fraudulent account from my credit file, even after several disputes providing all necessary documentation including a letter from XXXX XXXX verifying the account as fraudulent. Attached you will find a copy of the letter from XXXX XXXX as well as XXXX " investigations '' from Equifax stating the account is mine even after provided proof and verification of fraud.
Product: Vehicle loan or lease

I paid my vehicle loan off in XXXX of XXXX. I have never received a lien release on this vehicle. I have called the company in XXXX of XXXX to inquire about getting my lien release sent to me. I have called about 5 different times and still haven't received my lien release. I am needing to sell this vehicle and as it is sitting and depreciating for months. I keep being told they are working on it and it is going to be 7-10 business days each time I call. The last time I called on beginning of XXXX they said it was sent on XX/XX/XXXX, which was a Saturday. It still hasn't arrived. And they were going to put another request in that I should have received it in another 7-10 business days. Now it is another month later, which now has been going on 3 months I still have yet to receive this letter to be able to sell my vehicle. And the department that does the lien releases do not take phone calls and are only done via email. And I can not be copied on these emails to know it is being sent. 

Worst customer services I have ever dealt with. And I bought my vehicle in XXXX brand new off a truck. Will never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On Experian they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) XXXX ( Experian ) Derogatory ( XXXX ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Product: Debt collection

XXXX XXXX with XXXX has contacted family members with no connection to my debt, despite acknowledging and agreeing to a verbal cease and desist to such practice. She is also threatening me with legal action if I do n't " pay immediately. ''
Product: Mortgage

Wells Fargo opened a HELOC without my signature and without my consent. I was told by the local window company ( XXXX XXXX ) that they would send my credit score info to XXXX to see if I would qualify for financing. The very next day I went into my Wells Fargo account to check on my mortgage payment, and there was a line of credit opened ( {$13000.00} ) with a " Next payment due date XX/XX/17 '' I pursued financing for my windows from my credit union ( XXXX ) but have had to contact Wells Fargo twice attempting to close the account they opened WITHOUT MY SIGNATURE OR CONSENT! The account appears on my credit report and still appears on my Wells Fargo Mortgage website. 

Clearly, Wells Fargo has n't been fined enough for doing this XXXX to consumers!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. XXXX sent a 14 page XXXX XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Mortgage

Hello, I have a loan with Caliber Homes and they force me to escrow the money for taxes and insurance. In years past they mailed a payment for the taxes in early XXXX. this year they had not mailed a payment towards the end of XXXX. I reached out to them to find out why they had not mailed out a payment to pay the 1st half of the taxes. Their response was that the taxes had been paid ( in XXXX of 2020 ) and were up to date. Funny thing is I then check back after I made the inquiry they mailed a check, which made it impossible for the county to process it by the deadline. They also assured me that the taxes will be paid on time. Well going on to the county 's web site I see that they have not still been paid, or now late and interest is accruing. I have tried to contact them multiple times and constantly get the run around and a non-answer answer from them or a delay in response that it will take a week to get an answer.
Product: Debt collection

1. IC System Inc XXXX XXXX XXXX XXXX, MN XXXX Reports to XXXX, XXXX XXXX, and XXXX that I am delinquent on a debt they purchased from XXXX XXXX. They have reported the debst as collection account for {$400.00} past due as of XX/XX/XXXX, to remain on until XX/XX/XXXX I have tried several times via certified mail to to the credit bureaus and to IC System to request proof of the debt under FCRA, and they have not sent me proof of debt. 

Please investigate IC System and have them remove debt.
Product: Debt collection

I submitted a request for debt validation on XX/XX/2022 via certified mail. Consumer Portfolio Services received the mail on XX/XX/2022. The information they sent back to me is a copy of a contract that has most of the words cut off making the information not legible. I requested a complete audit trail which I did not receive. 
I also submitted a Cease and Desist on XX/XX/2022 where I requested Consumer Portfolio Services stop all negative reporting to consumer reporting agencies. That only happened for a couple of days and they have since resumed reporting to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had a credit inquiry from a US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/2020 I do not recognize this bank or why they would inquire about my credit
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally besarse i was a victim of the Equifax data breach. I want these items delected from my Credit reports efectivo immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these ilegal accounts from my Credit reporte. List all those negativo accounts from your Equifax Credit reports. Account names and account numbers and file complant with the CFPB..
Product: Credit card

The events below required me to request a chargeback which Bank of America denied citing regulation Z of the truth in lending act. The events are listed below and all transcripts and emails have been included. 

I purchased an item on XXXX on XX/XX/. I have chat and email transcripts of everything I mention below. I purchased a large 3D printer which arrived in a damaged box. I opened the box to find the glass bed broken. I reached out to XXXX chat to return the item. Upon my description of the damage the agent advised me that they would refund my money within 3-5 days. I asked how I should go about returning the item since the box had holes in it and was damaged. The agent advised me to " Safely dispose of the item ''. I asked him multiple times if that was really want I should do and he advised me that it was and that I should " rest assured ''. Shortly after this chat I received an email stating I would be receiving a refund in 3-5 days. After 7 days I had no received a refund so I contacted chat again and spoke to a supervisor. This person stated that I had to return the item to receive the refund. I provided him with the chat transcripts with the previous correspondence w/ an XXXX  agent who advised me to dispose of the item. I advised the supervisor that I had followed his instructions. He said he was sorry but there nothing he could do. Shortly after this chat I received an email from the supervisor apologizing for the misinformation their agent gave me but they could not help me with a refund despite their agent advising me to discard the item. I spoke to my credit card company ( Bank of America ) and they advised me a chargeback was not possible citing the Truth in Lending regulation Z. I had also provided the credit card company w/ all chat transcripts showing what I stated above. The credit card company stated I needed to take the item to a repair company for a second opinion despite the fact I no longer had the item since the seller ( XXXX ) told me to discard the item.
Product: Debt collection

Hello, I received a letter from XXXX XXXX trying to collect a debt for Capital one that had been disputed and removed from my credit report through a XXXX  and length of reporting a debt. 

This Capital One credit card is not showing on either XXXX of my credit repositories. I filled XXXX  in 2011. This card credit was included in the XXXX. Please have XXXX XXXX stop sending me correspondence. This debt was removed and due to the length of the debt is no longer reported. 

I would NEVER do business with Capital One. They have been sued on so many occasions for dishonest business practices. I even had identity debt back then with Capital One and they had to remove false credit card information. This debt is XXXX years old. You can pull up my XXXX  papers in XXXX  if needed. I know attorney can pull the file through ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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

The data furnisher, NAVIENT, failed to provide correct and accurate contact information on the consumer credit report.
Product: Debt collection

The XXXX XXXX XXXX submitted an erroneous debt of {$320.00} to the credit bureaus. When I was unemployed, I went to their site and filed for unemployment benefits during the weeks I was unemployed. When I started work, I also went to their site and told them when I started work and claimed my statements were true and correct. 

In addition, the unemployment office contacted my temp agency to verify my start date and the temp agency provided them with an " estimated '' start date and not my " actual '' start date. 

The unemployment claimed they sent me a form to complete and because the form was not submitted back to them timely and my temp agency never provided them feedback, they went ahead and reported this error, untrue and incorrect debt to the credit bureau despite the fact that they have record that I had submitted the form although untimely ; that I sent them correspondence electronically and through the mail about my actual start date being XX/XX/2017 which I claimed online ; and the fact that I claimed my actual date I found work. 

I recently sent their collection agency United Collection Bureau and the XXXX XXXX XXXX XXXX correspondence explaining their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a American Express member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. American Express was one of those. American Express removed itself from the program and I took over making the payments myself. I continue to receive statements from American Express and make payments using the American Express website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted American Express to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.
Product: Mortgage

{$59000.00} mortgage, payment with no taxes {$440.00}, income {$400.00} average per week after tax, interest % XXXX Wells Fargo Bank