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

I discovered inaccurate accounts on my credit report tonight and am unsure of the reason. Upon my routine check, I found discrepancies that hadn't appeared before. Refreshing my browser didn't resolve the issue, as the errors persisted. Therefore, I ask that the documents I've submitted be examined carefully to alleviate my concerns permanently.
Product: Checking or savings account

the person reached out on XXXX XXXX on XX/XX/2023 to purchase one of my listings. The payment was to take place on XXXX XXXX - this would be to ensure the transaction would have refund insurance/security. - I had never used this service before, and when the payment price of {$770.00} was sent over, " XXXX XXXX  '' reached out and told me that because I had never used this service before, the account needed to be upgraded to a business account. The upgrade verification required the buyer to send {$300.00} additional dollars, which I would have to refund before I would have access to the initial {$770.00}, but would then be granted {$50.00} extra dollars as a compensation benefit for the upgrade. " XXXX XXXX '' then notified me that because my account was not yet verified, both mine and the buyer 's XXXX accounts have been locked- this meant that I had to send the refund via XXXX XXXX Zelle XXXX or XXXX, and then send " XXXX XXXX '' proof of refund for them to review and confirm. once the refund was confirmed, I was told my account would be unlocked. I sent payment through Zelle and sent " XXXX XXXX '' confirmation of the refund. Once this happened, the business replied with a pending review email and then followed up with another email claiming the buyer sent a duplicate {$300.00} payment, and that because of the account being locked, the charge could not be canceled. This meant I now had to send another {$300.00} refund to unlock my account. ( this portion felt very fishy, but given the emails were coming from a XXXX customer support email address, and the links within the emails connected to my XXXX account, along with the branding matching other XXXX emails I received in the past, I followed through with the transaction. ) Once, this transaction took place, and I did not receive a response from " XXXX XXXX '' I knew it was a scam. I reached out to the buyer and they were extremely hostile in their responses, then ended the conversation.
Product: Mortgage

I was informed a few months ago that my mortgage has been transferred from XXXX XXXX XXXX limited to XXXX, information I requested to be emailed severally over the last couple of weeks without any action. I noticed there are a couple of things that changed, the address and the account number on the mortgage statement. XXXX major issue that I noticed since XXXXXXXX XXXX  that never happened with the original servicer is the application of mortgage payments to my account. 

In the past, XXXX will adjust late fees automatically once it noticed that payments were postmarked prior to the grace period. This XXXX did not do it, instead it wanted to charge this late fees even after I informed this institution of the precedents on this account, and the normal operational norms within the mortgage industry about postdated payments. I was informed that late fee would be waived as a one time courtesy for XXXXXXXX XXXX that if I want to avoid late fees in the future, I have to use it's platform to make payment as opposed to my other financial institution. 

In this month of XXXXXXXX XXXX I had to make double payments since I was informed that this institution did not receive the mortgage on the XXXX of XXXX grace period date. On the seventeenth of XXXX, at about XXXX, a period that the post office is yet to open, I suddenly found out that both payments have been cashed by XXXX XXXX XXXX is clearly violating its clients if not the law. On XX/XX/year>, I was told to write to an address I was provided by XXXX of the customer service representative of XXXX for a refund only to be told when I called back for confirmation of receipt that it was a wrong email address. I resent the said letter and proof of payment the same day, and today, the XXXX of XXXX, no one is able to confirm receipt. I was told by XXXX representatives that it would take XXXX days to receive a refund on the XXXX of XXXXXXXX XXXX, and today, I was told XXXX. Most mortgage companies do not wait for you to make any requests for refunds with proof as demanded buy this institution, they just refund those overpayments. 

Kindly assist in reviewing XXXX 's business practices, and why it suddenly changed its policy, yet continue to use the XXXX XXXX XXXX name. I am yet to receive information from XXXX to ensure the legitimacy of the account transfer from XXXX XXXX and the policy guiding the change on the late payments application on mortgages received prior the expiration of grace periods or stamped envelopes showing date payments were mailed as requested. 

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

XX/XX/year> To whom this may concern : I am writing to update/correct my personal information on my credit file I dont wish to have any telephone number on my report. 

Under consumer law, credit bureaus reporting old or outdated addresses may violate provisions of the Fair Credit Reporting Act ( FCRA ). The relevant sections are : 1. FCRA Section 1681e ( b ) : Accuracy of Information Credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an old or incorrect address could violate this provision if it misrepresents your current address and affects your credit profile. 

2. FCRA Section 1681i ( a ) : Dispute Process You have the right to dispute inaccurate or outdated information, including old addresses, with the credit bureau. Once you file a dispute, the bureau must investigate and correct or delete inaccurate information, typically within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent, by certified mail, dispute documents which included a letter of explanation and supporting documents disputing Experian 's reported late payment on my XX/XX/XXXX mortgage payment. I called in my payment ( always by phone ) to XXXX and was given a confirmation number. They tried to debit my XXXX account instead of my XXXX XXXX account which is what I always use. When the check didn't go through, I called XXXX and told them what they did and that the two accounts ended in similar numbers and I needed them to make the correction and not show me s " late. '' The XXXX rep assured me that I would not be recorded as " late. '' Then I got a letter from XXXX stating that my credit would show as " late. '' I was not provided with the record of my conversations with XXXX and the assurance that I was not late although they record the conversations.
Product: Credit reporting or other personal consumer reports

I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c )
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these items still persist on my record. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other for when I can expect to see these fraudulent items removed from my credit report. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

We have never had a loan with HSBC XXXX. When I phoned XXXX and inquired WHY this is on my report and WHAT is it - they basically told me they purchased the debt account from HSBC and did n't have full details available to share. That is unacceptable. 
This is very unfair to have this negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX )  XXXX****, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**XXXX , XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

Clear violation of 15 USC 1681i ( a ) ( 5 ) ( B ) with XXXX XXXX XXXX Account XXXX reinsertion. The account was deleted from my Equifax consumer report on XX/XX/year> and reinserted on XX/XX/year>, with NO NOTICE within 5 business days. If the CRA reinserts the information, it must notify the consumer in writing within ***five business days*** of doing so. Equifax DID NOT notify me of anything.
Product: Payday loan, title loan, or personal loan

I received a loan from one main financial XX/XX/XXXX for XXXX. I have been paying on this loan for a year and were even sending extra payments, and have not seen any significant decrease in the amount of the balance.I spoke with a representative on XX/XX/XXXX she stayed my interest rate was 27 %. I currently have other loan with a higher interest rate and is able to see a difference in the balance. I would like to make sure the payments and extra money in which I am making are being distributed properly to my loan.
Product: Debt collection

XXXX XXXX XXXX has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX business practice.
Product: Debt collection

I had an XXXX XXXX XXXX  did not submit the claim to my insurance company. Sold the debt to the collection agency. Collection agency XXXX provided me with an itemized bill in months so I can submit to my insurance company. There has been multiple attempts to get the information and they keep giving me credit derogatory marks and refuse to remove them. They also said that until it is lid, they will keep damaging my credit.
Product: Checking or savings account

Two fraudulent checks were deposited in my account I never use mobile deposit the only checks go into my account are my pay checks which are the same amount every two weeks and my child support which is a direct deposit. my old phone was stolen and I didnt have a lock code and all my information was stored from my driver license picture and also my log ins that were stored in my notes now Wells Fargo is telling me that they are closing my account when I have did my own investigation in how this has happened my XXXX XXXX was also linked to my account this is indeed stressful please help
Product: Credit card or prepaid card

I performed the following actions when applying for a Chase XXXX credit card : 1. In early XX/XX/2018, I was in the process of purchasing two round trip tickets from XXXX  XXXX to XXXX XXXX when I saw the application link for a Chase XXXX credit card. The link clearly stated that I would be reimbursed {$100.00} toward the cost of my flights if I completed an application and made a purchase with the card. 

2. I followed the link and completed the application process. 

3. I was not provided instant approval and postponed my purchase pending receipt of a chase credit card. 

4. I received my card on XX/XX/2018, and completed the purchase of my flight tickets on that day. 

5. I met all the requirements listed on the application link to receive a {$100.00} statement credit. However, there was not a credit on my XXXX statement from Chase. On XX/XX/2018 I notified Chase of the issue. 

6. I exchanged numerous emails with Chase, however, they refused to provide my {$100.00} credit and have provided no explanation. The response I received was : " We're sorry for the inconvenience caused. It is not our intention to make it difficult for you to earn enrollment bonus offers on your account. We'd like to share with you that there are offers only available to customers on XXXX who are in the process of purchasing an airline ticket. The offer may be presented in a banner advertisement after the customer has selected to purchase a flight. '' In good faith I tried to meet all the requirements of the Chase credit card offer. Chase has refused to honor the offer terms. The explanation from Chase is that I should have filed the application on XXXX while in the process of purchasing an airline ticket. That is precisely what I did do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I submitted online and sent by mail a dispute of account name : Midland Credit XXXX To XXXX XXXX, and XXXX. I provided a copy of my court notice that case has been dismissed with prejudice. I have disputed this account in XXXX, XXXX, and XXXX of XXXX without any change to my credit report, all the bureaus stated " Investigation results- verified and updated. I don't owe this company and it needs to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report inaccurate.
Product: Credit card or prepaid card

I am complaingin about goint to Conn 's furniture to buy a bed and bed frame. I requested a XXXX frame and they charged me for a XXXX. When the we asked to get a copy of the contract they refused. We asked 3 times. They said we had to go somewhere to get the copy of the contract. We spoke with XXXX the sales person and advised we did not want the the {$1000.00}. The driver put the bed together and I asked to see the copy of the contact. He said it was on his phone. I could not read the information due to the font was not big enough.. When asked the driver to inlarge the front he did not understand me due to he did not speak XXXX. I went ahead and signed the contact. We did not have any bed at all to sleep on. We are elderly and can not sleep on the floor and the Love Seat. 
We contacted the company and they declined to change the frames from the vibrate that is {$1000.00}. and give us the smaller frame for {$770.00} plus a tv of XXXX XXXX inch. and have XXXX extra on our credit. 
Conn '' s XXXX XXXX XXXX, XXXX, TX. XXXX XXXX # XXXX XXXX # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : - XXXX Account # : XXXX -XXXX  Account # : XXXX -XXXX Account # : XXXX -XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/year>, my tire went flat right outside of XXXX. I called a company, XXXX XXXX XXXX. They promised a XXXX minute response and to bring a new tire. After waiting XXXX minutes, they called and said XXXX more minutes, then after waiting approx XXXX minutes, they called and said XXXX more minutes. I had been reading the reviews on this company after the first phone call : XXXX XXXX XXXXXXXX. I saw that this might be a scam, I told them to cancel and they refused. Waited another XXXX minutes and I was able to plug the tire enough XXXX XXXX the XXXX hours home. I called when I got home and they said someone was on the way and I said cancel because I'm home. They refused and now I'm charged for a tire and a tow that I never received. Bank of America refuses to remove the charges. I'm unsure how I can be charged as non-refundable for a good or service that was never received. How can I be charged for a tire when I didn't get the tire? I have called bank of america and I have disputed the charge with bank of america. They are taking the merchant 's side by saying there is a transcript that services are non-refundable. There has to be a refund available by law for goods not received no matter what a transcript from a scammer says???
Product: Payday loan

The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit for it says I have a XXXX account and a Bank of America card I never had XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX BANK XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/2024 ) Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/2024 ) Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/2024) Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/2024 )