23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit score -- - which I paid for -- shows that my credit score is XXXX  ( see attached document ) - which would be not an issue. I also pulled the TransUnion score from XXXX XXXX -- again XXXX ; However, my bank, XXXX XXXX, has pulled the credit score for a loan application from TranUnion and TransUnion states that my credit score is XXXX. 

Which is correct? Why are there two different credit scores? Why would there be such a huge discrepancy between both scores? If my credit score is in fact, XXXX then why would TransUnion not display that -- it can not be both. 

This seems completely unfair -- - they tell me one thing and my bank a completely different story. I think we might hire an attorney to fight TransUnion.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 personal information names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collection accounts at XXXX XXXX XXXX that appears related to the aforementioned personal credit cards, an auto loan account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned charge. XXXX XXXX XXXX  account has resulted in fraudulent hard inquiries and fraudulent collection.appearing on my consumer credit report. Ive attached the 2 hard inquiries in question as well as a copy of my consumer report maintained by you were not opened, made, or initiated by me. 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 ( Case # XXXX ) as proof from the U.S. 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, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax for 6 consecutive months on my XXXX XXXX Account. They are reporting the same account twice. After every investigation I am told that those accounts have been verified despite my dispute asking them to delete the duplicate accounts. I only have 1 account with XXXX XXXX. Equifax has the account listed twice with the same account number, amount, and terms of agreement but only two days apart. I explained to them each and every time that no company will give a consumer the same loan for the same account days apart. I have completed 4 online disputes and 2 disputes over the phone with an agent. After reviewing the investigation results, I immediately call the company just to be informed to do the process over again while engaging in an unprofessional dialogue on their part. The main manager by the name of XXXX with the dispute department has been very rude throughout this process. One more than 2 occasions, I have had to tell her to stop yelling in my ear, when I continued to ask her to explain why they keep giving me the run around. I have contacted XXXX and was told by them that they are only reporting once to Equifax and it is an error on their part. They said their hands are tied becasue they are doing what is required. I called to relay the informtation to Equifax and they continue to say that XXXX is reporting twice due to their investigation.They keep asking them to verify the account but is is obvious that it is not being investigated because there is no way XXXX is verifying erroneous information stating that they gave me the same 1 loan on two separate days only days apart with the same amount, account number, and term. This erroneous reporting is negatively impacting my overall credit score which lessens my chances of making favorable purchases. Please assist, I dont know what to do at this point. 

I have repeatedly asked them to delete the duplicate account.
Product: Student loan

During the XXXX and XXXX years, I tried to contact American Education Services about the loan they said I owed. They refused to correspond with my dozens of letters. I was in XXXX  for XXXX My mom had to contact them and they told her the interest would be deferred during my XXXX ( because I had no income at all ). They later told her the loans would be forgiven and considered paid in full. I now receive a letter dated XX/XX/XXXX, where AES is asking not only for the principal but an additional 11 years ( or so ) of interest. Furthermore, no one will tell me what this principal is in regards to. I paid off my loans completely. Today when I called ( XX/XX/XXXX ) was the first day that someone told me the vague response that it " was a grant that converted into a loan. '' I still have no idea what that grant was or why it converted to a loan. No one will tell me and I don't know the validity of it. 

I should also note that the letter they sent me says that the " loan ( s ) identified below, serviced by American Education Services ( AES ) and owned by the Pennsylvania Higher Education Assistance Agency ( PHEAA ), are in default. '' When I called PHEAA, they said I have no debt or active loans to them. When I questioned AES about this, they said that the loan is actually not owned by PHEAA ( despite what their letter states ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXXXXXX XXXX - XXXX - My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX XXXX - My data was affected by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 d
ays before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

We took out a private education loan for our daughter while she was attending the XXXX XXXX XXXX in TX. This loan went into default after she transferred to a community college in XXXX TX. Our lender received notice that she was no longer a XXXX XXXX  on XXXX / XXXX XXXX. Then our younger son became very sick, and we could no longer make the monthly payments on our daughters loan. We tried to set up a new payment plan to get us back on track, but the servicer wont negotiate. We've been paying what we can, but we still haven't reduced any of the principal on the loan.
Product: Credit card or prepaid card

XXXX XXXX XXXX Date opened : XX/XX/XXXX Date account charge-off : XX/XX/XXXX Amount : {$810.00} Midland Credit Management is the debt collector that sent me this report regarding this case. Someone is using my personal information using the last name from my last marriage 15 years ago. and i am not familiar and never live in the address stated in statement.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Equifax and XXXX for their failure to conduct a proper investigation and provide the required documents as required by law to properly verify the following inaccurate and misleading accounts their reporting on my credit report ; XXXX XXXX XXXX : Account/Reference Number : XXXX Debt Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Debt Amount : {$1000.00XXXX XXXX XXXX XXXX XXXX : Account/Reference XXXX XXXX XXXX XXXX Amount : {$320.00} XXXX XXXX Systems : Account/Reference Number : XXXX Debt XXXX XXXX {$4100.00} XXXX XXXX XXXX Number : XXXX Debt Amount : {$220.00} Under the FCRA, XXXX, Equifax and XXXX is required to conduct a reasonable and independent investigation when a consumer disputes information XXXX their credit report. The court in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), emphasized that credit reporting agencies must go beyond mere reliance on information provided by data furnishers. This means Equifax, XXXX and XXXX must take affirmative steps to ensure the information is accurate and complete. 

To meet this obligation, XXXX, XXXX and Equifax must obtain original source documentation from each Collection Company Mentioned herein, including but not limited to : The original contract or agreement bearing my signature that allegedly created the debt. 

The debt purchase agreement or chain of assignment showing each XXXX XXXX mentioned herein legal right to collect on the debt their independently reporting. 

Without proper verification of these critical documents, the accounts can not be deemed accurate or verifiable. The case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), establishes that a failure to obtain this documentation renders the account unverifiable and requires its removal from the consumer 's credit report. Therefore, if XXXX, Equifax and XXXX can not obtain and review these documents as part of its investigation, the account must be deleted pursuant to the FCRA. 

XXXX, Equifax and XXXX must fulfill their statutory duty under 15 U.S.C. 1681i by conducting an independent investigation and ensuring that each XXXX XXXX mentioned herein provides proper verification of the alleged debt. Please provide me with a written response detailing the outcome of your investigation, along with copies of any documentation you relied on to verify the accuracy of these accounts. I expect a response within the time frame required by the FCRA. If XXXX, XXXX and Equifax can not provide such documentation, I respectfully request the immediate removal of these accounts from my credit report.
Product: Debt collection

During the month of XX/XX/XXXX, I reached out to LVNV Funding regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX  sold this debt to LVNC. LVNV informed me the debt was now being managed by XXXX XXXX   XXXX on behalf of LVNV. Once paid, XXXX XXXX  XXXX would process the payment, then contact LVNV to update the credit agencies to remove the negative item from my report. 

We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from XXXX XXXX XXXX attached, dated XX/XX/XXXX. I made the payment online at XXXX on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both LVNV and XXXX who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. 

Just recently, I received a letter from Resurgent Capital services stating they were now managing the account for LVNV Funding LLC. Please see the attached letter. 
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

On Monday, XX/XX/2020 I submitted a mobile deposit to my Wells Fargo checking account. The deposit came from my personal XXXX XXXX XXXX XXXX account and was written out to myself to my Wells Fargo account. Over the last several months, I have made several deposits from XXXX XXXX to Wells Fargo using a check and mobile deposit method. Each time, the deposit was processed successfully, even if there was an occasional slight hold. 

That evening, I received an immediate successful deposit notification. The amount of {$250.00} deposit was approved and I had notification in my app. The {$200.00} was available the next business day, and the next {$50.00} was available 10 days later on a hold for verification. 

The next morning, I checked my account to see that the deposit was taken out of my account in full with a line item showing " Mobile Deposit AdjustmenXXXX - {$250.00} ''. Wells Fargo refused to give me a reason for the adjustment and I was told the full amount was rejected, not just delayed 10 days - even though all items from my XXXX XXXX account to my Wells Fargo account has cleared. Wells Fargo did not send me notice of the deposit rejection or give me a reason why. They told me that I should not have received a deposit approval notice and that this was an error on their part. 

That being said, I was then charged two {$35.00} insufficient funds fees because my account was overdrawn. My check would have covered the two transactions with funds to spare, but when I contacted Wells Fargo they told me there was nothing they could do to refund the {$70.00} in fees because it was my fault I did not have funds in my account - even though the check was approved the night before and then Wells Fargo unilaterally decided to reject my check with no reason. Wells Fargo said I will receive a letter, but they could not provide me the info over the phone and would not refund my fees. 

I am asking that Wells Fargo provide a reason for the rejection of the check, since it was previously accepted ( the system should have caught any issues with the check when it was approved or rejected and I received approval ) and I should have my {$70.00} in fees refunded as this appears to be a banking error. 

Thank you
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered hack operation orchestrated by ( the Fraudsters or Hackers ), with the design, development, manufacture all of which aim at contributing to the goal of robbing and defrauding innocent people, through a predetermined cycle of victims losses to their gains. 
The equivalent of XXXX USD was transferred from my wallet utilizing your services.
Product: Checking or savings account

hey, i'll like to address an issue that has been bothering me since XXXX XXXX XXXX. I lost my card the night of XXXX XXXX and called Santander the following day of XXXX XXXX which is on record to report this incident, the transaction amount that was debited onto my account was XXXX which happened after i lost my card and was processed and posted to my account XXXX XXXX. Next i called the bank and spoke to an Representative who pretty much was incompetent and not helpful at all and filled out the wrong information on my dispute claim which led to my claim being denied, i spoke to the supervisor who submitted another claim to help fix the first claim, however, was also denied due to inconsistent details. the inconsistent details were implemented due to the first person who initially put the claim in and put the wrong details in ( i told the female information about how my week went and that it went terrible due to my car breaking in, after I told her that i did make a purchase at XXXX XXXX XXXX  on mother 's day and that i made a withdrawal Monday XXXX in the morning towards the afternoon. i did in fact lost my card that night and tried to report it lost/stolen but no one in santander call center picked up so i called the following day. All the information i provided is accurate and is presented to the best of my knowledge and now that because she put the wrong information in. Im wrongfully accused of this claim at which Santander is not trying to help me. I need my money back that I worked so hard for this past year and im late on my rent due to this inconvenience and santander doesn't care at all
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering last vines was impossible and tracking these fees was unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scales. The lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.