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

I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX XXXX ] [ XXXX ] is not complete and its not accurate [ XXXX XXXX XXXX XXXX ] [ XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I Sent a letter. and disputed the account on experians website multible times asking them to reinvestigate this account XXXX XXXX XXXX XXXX got the investigation back but noticed nothing was modified. 

So I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7 I sent it via certified mail tracking # XXXX I also notarized the letter just to confirm it was sending the letter and no one else. Its been way past the 15 days they had to respond Also like I mentioned earlier I have disputed this account multiple times and its currently not marked disputed which is another fcra violation I attached some pictures of my credit report showing how XXXX and experian are showing different last payment dates both CRA 's are incorrect and I attached a screenshot of experian stating after I disputed the account its updated and verified but it's still incorrect and not marked as disputed -XXXX XXXXXXXX
Product: Mortgage

We listed our house on the market XX/XX/XXXX. We received a offer with a pre-approval from XXXX XXXX at XXXX XXXX for this buyer. We then accepted and contracted with the buyer with original closing date set for XX/XX/XXXX. Buyer agreed to extend until XX/XX/XXXX due to us making arrangements for a offer on a house to purchase. Ms. XXXX apparently switched jobs and began working with Caliber Home Loans in XX/XX/XXXX. We were unaware of this change and that she was taking our buyers loan with her which started his loan process over. The week of closing we began to get information of the buyer going out of state for a death in the family and may not be back in time to close on that Friday. Due to the house we were purchasing we really needed to complete our closing on time. The next 48 hours were spent getting our buyer a power of attorney approved to sign on time due to the closing disclosure had not been signed until late Tuesday afternoon so we could not sign before Friday. Once we had POA approved Ms. XXXX then stated as of Thursday the buyers ssn was " flagged '' and they were working on getting his ssn cleared. We were told multiple times they were still moving forward to close on Friday resulting in us and our sellers of the new purchase to take time off work and schedule movers and load uhauls. We were scheduled to close at XXXX Friday needless to say we were not able to do that. We were told multiple times we would close by end of day. We did not close at all that Friday which resulting in both families scrambling costing both families alot of money. Going into the weekend we were assured we would close Monday. So again we all make arrangements for Monday. By mid-morning we were being told we had a clear to close and was waiting on the " packet ''. Shortly there after we were contacted that our buyer had been denied and the purchase was canceled. Due to errors, negligence, misinforming realtors involved, and honestly just flat out lying about the details behind this loan we spent and lost 1000 's  as well did our seller of the new home who also was unable to close on their new house in another state. This was the beginning of almost a month of stress, financial burdens, and uncertainties of the sells of any of the properties tied into this situation. Ms. XXXX nor her partner XXXX XXXX took any ownership in the errors and offered zero help or apologies to assist in the situation. Thankfully we had another local bank get involved and took proper steps in getting our buyer approved and we were able to close XX/XX/XXXX. Again, we were unable to recoup any of the loss in wages, expenses spent moving the first 2 dates we were given to close. We just want others to be warned to be aware when using XXXX XXXX and or Caliber Home Loans.
Product: Credit reporting or other personal consumer reports

The letter dates, amounts, and actions that were taken will be attached with verification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home. My lender submitted us to underwriting and my equifax report came back saying fraud. My lender told me and I immediately called on XX/XX/XXXX. On XX/XX/XXXX I was told that my identity couldnt be verified because the information I was giving them didnt match up. I continued to call every day. Each day Id get a different answer. After two weeks I was finally told what information was wrong and it turns out that my social had been submitted with someone elses credit report. Completely different name birthday and address. I was finally told that in order to fix it I needed to fax my documents ( cover letter, social security card, Drivers license ). I sent these on XX/XX/XXXX. I continued the call every day to check the status. Every day I was told that they were received just not processed yet and to keep calling. I multiple times requested a supervisor and was never connected with one. I was told they should be done today XX/XX/XXXX. I called today and was told they in fact never received any documents, being extremely frustrated given that it has now been 2 weeks since I originally sent them and I was told they had been received, I requested a supervisor. After being on hold 20 minutes I finally was connected with the supervisor. He was extremely rude and proceeded to laugh at me while I was frustrated and told me that there was nothing he could do and that I just needed to resend my documents and then wait another 3-5 business days for them to be processed. We are now about 2 weeks from closing and still havent been able to be submitted to underwriting. We are about to lose the home that we BUILT because equifax has been completely unhelpful and completely unorganized. This is an extremely time sensitive and important matter which to no concern has been taken from them at all. I have resent my documents but no longer have time to continue waiting another month like I have already done.
Product: Vehicle loan or lease

On XX/XX/XXXX I initiated a {$600.00} payment through PenFed for my auto loan. On XX/XX/XXXX, I saw this payment was returned by my financial institution, XXXX XXXXXXXX XXXX  so I moved some more money into my checking account and initiated another payment. PenFed shows this transaction as being returned on XX/XX/XXXX although it cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I tried accessed my account to set up my next payment, but did not see the loan. 

I called PenFed on XX/XX/XXXX and learned there was a repossession order on my car and that PenFed was saying both payments had been returned. I was told I needed to go to my bank and get a print out showing the transaction had cleared. I did this and was given a receipt showing the amount of the transaction, a tracer number, and other details and the branch manager signed it and provided a phone number. When I called later in the afternoon to submit this document, the person I talked to seemed skeptical and wanted a screenshot of my bank account. I did this, and because I did not hear back I called PenFed the next day and was told this was denied because the screenshot did not show the details they wanted. The person I spoke to on this occasion seemed more willing to help. They said it was unusual for an ACH transaction to return the very next day and they put me on hold while they spoke to the ACH department. When they came back on the line, they mentioned that the ACH department couldnt see where this was returned and told me it would be sent to investigations. As a courtesy, she put a hold on the repo order through the end of the week. 

I did not hear back from PenFed so I called back on XX/XX/XXXX and they read the notes on my account and said it looked like investigations did not have the information they needed and they would submit the request again. 

On XX/XX/XXXX I made a payment for roughly {$2000.00} to stop the repo order on my car. This included a {$200.00} fee to stop the repo as well as the {$600.00} that I already paid. My loan was restored, however I have still not been credited this payment. I was also charged {$30.00} for the allegedly returned payment and I do not believe my car would have been up for repossession if this payment was processed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report and when I was looking it over I noticed several inquiries on there that I have no knowledge of and did not authorize. I have tried to dispute this with XXXX, Equifax, and XXXX. The letters I received back from them stated that they would remain on my report for 2 years. I even filed a report with the Federal Trade Commission because I did not authorize these inquiries.
Product: Debt collection

I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. 

What I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual ''
Product: Checking or savings account

I explained multiple times that the card was not in my possession. I sent documentation that I filed complaints. I received credit for everything except the 2 fraudulent charges {$890.00}.
Product: Debt collection

EOS CCA had me in collections for a debt that was paid to XXXX XXXX XXXX They were trying to collect ~ {$180.00} in total and ruined my otherwise excellent credit for over a year. I was declined on several credit card applications where my credit should have been excellent. 

It took many phone calls to get this corrected and I had to speak with numerous people with bad attitudes who were unhelpful. I was able to get them to reduce the amount but had to persist with more phone calls and follow-ups to get it fully cleared. Even after they said they would fix it, it wasn't fixed and I had to call back again and press them to send the " AUD confirmations '' were never sent when they said they would send them. They admitted to the mistake at the end of the day and after MUCH persistence on my part. These are very bad people. It takes a special kind of person to work at a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Experian 's latest response to complaint # XXXX, Experian reported that XXXX XXXX  is currently the mortgagee of the loan account in concern. XXXX XXXX  responded in a phone call that it purchased the loan [ in question ] on XX/XX/2004, although it did not become the mortgagee. Neither XXXX XXXX or the credit union will provide me written details on the sale of my note and loan to XXXX XXXX  The credit union provided a written statement confirming only that the loan was sold to XXXX XXXX. The credit union, thus far, has refused to sign the letter it sent to me. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender ( or any servicer ) the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan that has not been updated to show a current [ legal ] mortgagee ] ; 2 ) continue to report the false [ fraudulent ] loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current loan status? Based on my understanding, Experian must provide a resolution that is compliant with all relevant laws, especially Georgia laws, that are specific to the situation currently at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX is showing my closed/deactivated phone service as " Collection/charge off '' and I am getting harassing calls from debt XXXX. 

This information is incorrect. The following is accurate : XXXX. I reported my phone as lost/stolen to XXXX 2. My phone had insurance purchased at the XXXX XXXX XXXX. I filed the lost/stolen claim at the XXXX store 4. The verizon store manager personally confirm that i had purchase insurance 5. Claim was disputed by insurance provider - reason not provided 6. I escalated with Insurance provider - assured me that claim would be " accepted '' 7, I cancelled phone service 8, I  enrolled with another service provider XXXX. XXXX and debt collector started harassing phone calls to my cell phone
Product: Checking or savings account

XXXX  XXXX XXXX is reporting fraudulent accounts to early warning services which is preventing me from opening any accounts with other banks. I was a victim of ID theft. XXXX XXXX XXXX has not provided any documentation with my signature showing that I open the accounts with their bank. I have submitted my ID theft form to early warning services for these charges that I am unaware of and did not authorize. Early warning services is still reporting the inaccurate information on my consumer reports. Per law all fraudulent information must be blocked within 4 business days after receiving proper documentation, that has not been done. I am aware of my consumer rights this is ruing my approval chances with other banks. I have contacted a consumer lawyer regarding this issue.
Product: Payday loan, title loan, or personal loan

Hello Staff. 
On : XX/XX/2019, ORG BILLING ( XXXX ) ( app : XXXX ) Ref. # XXXX Paid in full : {$550.00} Bal. : XXXX I was told to complete the process using the XXXX. I wasn't mail or contacted for me receipt of transaction showing processed and complete. 

I went into store location only to be told to follow up with these people. Well they headed up process number two. Text me a paid in full letter, only to find out that it hold no value unless process completed through corporate. Who is corporate at this point I said. No one seem to know how to assist me with the closing is f this matter in full with these folks below : XXXX XXXX XXXX XXXX. 
Doc ID : XXXX Acct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX : XX/XX/2019
Product: Checking or savings account

In early XXXX I received a targeted promo mailer from HSBC XXXX advertising a {$350.00} bonus for opening, funding and maintaining a new HSBC XXXX checking account. To qualify, you must be a new customer ( I had never been an HSBC customer before ), must open a new Advance checking account by XX/XX/XXXX ( I opened mine on XX/XX/XXXX ), must deposit {$10000.00} or more byXX/XX/XXXX ( I deposited {$5000.00} upon opening the account on XX/XX/XXXX and {$5000.00} more on XX/XX/XXXX ), and maintain this {$10000.00} balance fromXX/XX/XXXX throughXX/XX/XXXX ( which I did ). 

" You will automatically receive the {$350.00} deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. It 's that simple '', stated the flyer. 

After more than 12 weeks, multiple phone calls to the toll-free customer support line at XXXX as well as to the local branch in XXXX XXXX, CA where I opened the account, additional e-mail correspondence with the Vice President/Cluster Branch Manager and an in-person visit with the same employee, I have yet to receive the promised {$350.00} bonus. 

Every conversation I have had with the local branch employees ended with promises of impending bonus deposit " in a few more days '' or " next week ''. Every conversation I have had with the toll-free customer service representatives started and ended the same way : their confusion and inability to seemingly find any related notes, reference numbers or resolutions regarding this issue. 

Additionally, I referred two new customers to HSBC as part of their " Share The Experience '' promotion, qualifying myself for a {$100.00} bonus per new customer. I have received only one {$100.00} bonus, with the second one due on XX/XX/XXXX. Both of the customers I referred opened new accounts and funded those accounts as mandated by the promotional language. XXXX XXXX branch employees have confirmed this and reassured me that I should be receiving the second {$100.00} referral bonus within the promised XXXX window. That has not happened. 

As ofXX/XX/XXXX, HSBC owes me a total of {$450.00} for personally opening a new HSBC XXXX checking account ( {$350.00} ) and a missing referral bonus for a previously confirmed fully qualified new customer referral ( {$100.00} ). 

I feel that I have reached the end of the road dealing directly with HSBC and its representatives, and would much appreciate some assistance securing what is rightfully mine. HSBC mailed me an offer, I played by their rules, yet they have failed ( repeatedly, I might add ) to uphold their end of the bargain. I have never had such a frustrating and disappointing experience with any other bank promotional offer, and I will never again deal with or recommend HSBC to anyone I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Strartin 0n XX/XX/XXXX and continuing on at a once a week rate until now I have been disputing the way that the XXXX XXXX file is listed on my report.I have listed, I have phoned in more than 10 times ( to each bureau ) and filed cfpb complaints stasrting back on XX/XX/XXXX in wich XXXX was the only of them to respoind but in wich they totally elluded my statement of their rep speaking to me on more than 1 occasion stating that if they did not have to use the resourses to repo and i did what they asked and found alternate financing that the account would not list in a negitive manor, it would list as 'closed paid in full ' and the fact that they list it nit only as a charge off completly what they said they would no they list it as less than full and I was issued a 1099 for any diffrence the trade in did not cover so that constitutes " paid in full " but no one has even acknowledged that either. 
*****According to the FCRA any and all evidence used against me to make a finding of a dispute of any reason, SHALL be submitted to the consumer upon request!!! ****** If I am correct they provide 5 days for acknoledgement of request and 30 days for responce, and i have recieved neither from any party iunvolved .At this point it appears to be a case of the credit bureaus and XXXXXXXX showing willfull knowing neglect of mt rights gaurenteed to me by the FCRA Iam enclosing for evidence screen shots of the complaints and dated and these are just 2 there are more and ask the cfpb rep handeling this complaint ask ( if nessicarry ) for the massive amount of disputes related to this 1 topic sir/maam there should be at least 20 per bureau The bureau are also gulty of violating my rights by refusing to block a file submitted by police report until the investigation wich According to the Fcra 605 ( b ) upon recipt of the police report filed with the ftc the consumer reporting agency SHALL block all files included in the report until said investigation. I sent a report on XX/XX/XXXX and the reporting agencies ( all 3 ) said they would not block them wich is a clear violation of my rigghts I am asking for {$1000.00} per violation on the reporting agencies and XXXX for failing to provide evidence or thoroughly investigate and that the exeter file be perminatly deleted and all files submitted in the police report be perminatly deleted and {$1000.00} per violation for the supression of my rights and damage they have let go on to my score despite my request to block fradulant accounts
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an personal loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) a personal loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving Opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report debts that creditors have instructed removal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}
Product: Credit reporting or other personal consumer reports

I've been successfully paying Kohls Department Store credit through my debt counseling agency for approximately 3 years. The balance was paid down successfully during this time. Kohls Department Store credit reported a total due as XXXX, thirty days past due causing my credit score to drop XXXX points. I attempted to request this negative credit reporting to be reversed through customer service to no avail. I don't believe reporting a XXXX causing my credit to drop XXXX points is warranted in this case. As previously mentioned, I've been successfully paying this balance down for years. I respectfully request this negative reporting to my credit be reversed. Thank you. XXXX