23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few like this one the bank keep send in it as accurate I don't understand why? the person that open this account hade a different address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. XXXX XXXX XXXX XXXX. ACCOUNT # XXXX.
Product: Credit card or prepaid card

I ordered a TV from XXXX XXXX in late XX/XX/XXXX and paid for it using XXXX XXXX ( TD Bank ). When it arrived, the screen was damaged so we received an XXXX to send it back, we also ordered the same TV again. XXXX XXXX received the TV on XX/XX/XXXX which I confirmed in a phone call with XXXX XXXX. I inquired about the refund and they said it would process in 7-14 days. The charges still appeared on my XXXX XXXX ( XXXX XXXX ) account so I called XXXX XXXX again but they did not have any information because the warehouse processes the refunds and they only communicate using a computer system. I submitted a dispute for the transaction on the XXXX XXXX website on XX/XX/XXXX and followed up on XX/XX/XXXX but they could only say that the back office department was reviewing. I received multiple letters between XXXX and XXXX ( no company name or address on the letter, just Customer Service Department XXXX XXXX XXXX, XXXX, NJ XXXX ) stating they were working to resolve my claim. The last letter dated XX/XX/XXXX was actually on TD Bank letterhead ( XXXX, NJ ) and stated they are still investigating my dispute claim. I called XX/XX/XXXX after receiving another statement showing the charges had not been removed. I spoke with XXXX who said that XXXX XXXX ( XXXX XXXX ) had still not received a response from XXXX XXXX to confirm I had returned the merchandise. I asked to talk to a supervisor and XXXX was very rude and told me they couldn't refund my account because XXXX has the money and gave me some spiel about their agreement with XXXX. I expressed my frustration that it should not take this long when a simple call to XXXX would confirm the merchandise was returned. After talking to TD Bank, I called XXXX and talked to XXXX who confirmed that the TV was received XX/XX/XXXX and could not tell why the refund had not been processed. I was again told that there is no way to talk to the refund department but she would submit an escalation. This is definitely the worst experience I have had with a retailer and finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to eleve mane information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCOUNT : XXXX  # XXXX After receiving each dispute/investigation result, for the account listed, the corresponding updated and verified report is carefully examined. 

It has been noticed that the reported DATE OF STATUS after each completed investigation, has continuously reported an unchanged date of XX/XX/2022. This indicates complete neglect of my federally protected rights for a THOROUGH investigation into an account after a dispute is submitted. Each furnished result only displays changes being made to the reporting balance of the account. 
IMMEDIATE deletion of the listed account for violating my federally protected rights. 
I have attached supporting images that reflect the date that the report was pulled after being updated from our processing of your dispute My dispute letters have been ignored by the listed collector. The request to furnish a SIGNED contract to verify this account has never been fulfilled. Receiving no response makes these unverifiable accounts. How is this continuing to report?
Product: Credit reporting or other personal consumer reports

EXPERIAN THESE HARD INQUIRIES ARE NOT MINE, NOT ASSOCIATED WITH ANY ACCCOUNTS IN MY NAME, AND MUST BE REMOVED PER THE FCRA XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> THE INDEPENDENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX REMOVE THE ABOVE HARD INQUIRIES THAT ARE NOT ASSOCIATED WITH ANY ACCOUNTS AND RESTORE MY CREDIT FILE REPORTING TO ACCURATELY REPORT MY FILE
Product: Credit card

I accidentally sent an electronic payment to XXXX on XX/XX/year> in the amount of {$290.00} to apply to account XXXX. They accepted the payment. The payment was supposed to go to XXXX XXXX Yesterday I got an email saying that my XXXX XXXX XXXX late and I realized the error. I paid the XXXX account and have been on the phone with at least XXXX different people for almost XXXX hours and all they keep telling me is that there is no such account. But no one will tell me where they applied my {$290.00} or how to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i recieved an alert that Synchrony Bank requested a copy of my credit report. I immediately contact XXXX because I have been a victim of identity theft in the past. I havent applied for credit with Synchrony Bank or PayPal, please remove this fraudulent hard inquiry from my credit report. I placed a fraud alert in my credit report to make sure this wont happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Product: Checking or savings account

On XX/XX/year> I had a merchant take unauthorized charges from my checking account with XXXX in the amount of {$170.00}. I had received a text asking If I made the purchases or not and I responded no. The bank still allowed the charges to come through and take out my current balance. The charges then were pending for a few days and I could not make a dispute until they posted to the account. Once I put in dispute ( # XXXX ) I had to wait 10 business days for them to investigate the charges. On the 10th day I received credit back for my money of {$170.00}. I called the bank and they told me the merchant was blocked and couldn't get my money. I ordered a new card and then was getting notifications of the purchases again, called, the rep told me they were still trying to get from my old debit card info and not to worry it was the card number not the account number that the other merchant had. Was also told the merchant XXXX was blocked. Then on XX/XX/year> I woke up to a bunch of texts asking if I made those purchases and it was from the same merchant as before. I responded NO the charges still came through my account again of {$88.00} taking my bank account negative. I had called them immediately and the rep told me that even though it was still pending he put in a dispute. The next week I wasn't seeing an email or anything with the dispute so I called on the XXXX and I was told one was not put in. At that time I put XXXX in an over-phone Dispute ( # XXXX ). Spoke to manager XXXX I believe who looked into it more, she said she seen the request to block the merchant but it wasn't done. In summary she told me I had to wait the 10 days allowed for them to look into it. There is no reason I should have to wait again for this long to get my money back when its fraud and there back room already investigated it on my account prior. This merchant is in a totally different country my funds are converted to euros, it's clearly fraud. When I call or chat they don't care they say I have to wait. Took my account into overdraft protection and they are trying to collect on it because it's negative even though I have a dispute in, They don't back there customers, they make them pay for the fraud by waiting and that's unacceptable. No provisional credit can even be given in the meantime. Especially when it happened before. They are rude and don't care what issues it caused they just apologize over and over. I am now waiting again while in review and have no money to do anything at this time.
Product: Credit card

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have received a letter from your executive office addressed XXXX XXXX XXXX, XXXX, OH XXXX, which has mail code XXXX ). This states that this office closed the account ending XXXX according to XXXX XXXX report. As far as I see the XXXX XXXX report which I received yesterday same as this office letter prepared on XX/XX/XXXX, a Chase account number ending XXXX is still in the report. And I need to state that I do not recognize this account at all. This ending seems to open until XX/XX/XXXX, however, I do not have any Chase account closed after the outbreak of Pandemic. There is a discrepancy what this office explained and reality. Also, I could not understand why this employee of executive office needs to state to me that I complained his/her calls to XXXX XXXX. I do not care whether he/she will call XXXX XXXX and be complained not to call. It is nice that he/she added my phone numbers from call list, since I do not want to receive any call from him/her whose numbers are, XXXX and XXXX ( fax ). Of course, I will not contact the number of XXXX XXXX XXXX ( XXXX  ) which numbers is XXXX to avoid the confusion and frustration which already exist. As I stated before, I do not know the area of XXXX, which named area are everywhere in the United States and most likely in the XXXX XXXX. I live in XXXX XXXX, NJ. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Dispute Letter, Debt Validation Request & Immediate Update Request Round Point Mortgage : Account XXXX Citi : Account # XXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the XXXX XXXX Under the XXXX XXXX, individuals and businesses were provided relief measures to mitigate the financial impact of the XXXX. My financial difficulties during this time were directly attributable to these unprecedented circumstances. 

XXXX  of XXXX & XXXX  : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the XXXX XXXX  or the potential assistance I may have been entitled to during the XXXX period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame. 

Request for Form XXXX If this debt has been canceled or XXXX, I request that you provide me with a copy of XXXX  Form XXXX for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt. 


Debt Validation Request from Citi Bank : Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : XXXX. Validation of the debt, including the original agreement establishing this account. 

XXXX. A detailed accounting of the current balance, showing how the total balance was calculated. 

I trust that you will address this matter promptly. Please respond in writing within XXXX  days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. Experian also stated in another document that this was not being reported on my credit history. They lied.
Product: Student loan

the XXXX XXXX XXXX website says that I have only made 7 qualified payments towards my 120 service loan forgiveness program, when in fact I've made 33. I have been sending my paper into Navient for 3 years. Every year I call to ensure receipt and was told that everything was set. Now I'm finding out that only half of my loans are " eligible '' and that I'd have to consolidate the ones that are not first. I was also told my Navient that the ones I have to consolidate to be eligible are the ones that were transferred to the XXXX XXXX XXXX an that I'd have to start of from XXXX  payments.
Product: Debt collection

On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Checking or savings account

On XX/XX/year>, I received a message from Chase bank stating that my business account ending with XXXX are restricted and the email asked me to call the bank to address the issues. I called the bank right away and they said the account are already closed. I dont know whats going on. The customer services didnt share with me why and they insisted that the bank just closed my account. So far, I still dont know what issues are with my bank account. I would request bank to share the details with me.
Product: Mortgage

Received inaccurate information on how to pay first tax bill on phone call with Nationstar Mortgage XXXX. Received delinquent notice from local tax authorities XXXX with late payment fees attached. Called Nationstar about problem. From XXXX through XXXX I talked and/or corresponded with 18 Nationstar agents XXXX this problem, some on multiple occasions. ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In the interim, I received a notification from the local tax authorities threating to place a lien on my property and place my home up for sale. Once the escrow was paid by Nationstar some 8 months after my initial call on XXXX. Nationstar refused to reimburse me for the extra {$120.00} incurred by late fees and penalties from my escrow account. They also refused to apologize for the stress and agony incurred upon my wife and myself worrying about our home being seized by local tax authorities and damaging our credit score due to their incompetence.
Product: Debt collection

I wrote to XXXX XXXX XXXX on XX/XX/XXXX via certified mail to inform them that the {$270.00} bill/debt they sent to my address was not mine and to comply with federal regulations regarding debt validation. I requested they provide the following : 1.The name and address of the original creditor. 2.If this debt originated with a different creditor, please provide their name and address, the account number used, the amount owed to that creditor, and whether any other names were associated with this debt.

3. When did the current creditor, XXXX XXXX XXXX XXXX, obtain this debt, and who was it obtained from? 
XXXX. Provide verification and documentation that there is a valid basis for claiming that I am required to pay this debt, particularly considering that I have never been to XXXX XXXX  XXXX XXXX. 
XXXX. If they are requesting payment of a debt for someone else, identify that person and provide documentation proving I am legally responsible for their debt. 
XXXX. Provide a copy of the last billing statement from the original creditor. 
XXXX. Clarify the amount owed when R.T.R Financial Services obtained the debt and whether any additional fees were added. If so, please explain how the interest and/or fees were assessed.

8. If there have been any payments or other reductions since the last billing statement, provide an itemization showing the dates and amounts of each payment or adjustment.

9. State when the creditor claims this debt became due, when it became delinquent, and the date of the last payment made on the account.

10. Please confirm how R.T.R Financial Services determined this debt is within the statute of limitations and provide the expiration date of the statute of limitations for this debt.

11. Additionally, explain how that determination was made.

12. Does R.T.R Financial Services hold a debt collection license in my state? 13. Provide the name on the license, the license number, and the name, address, and telephone number of the state agency that issued the l
icense. 14.If you do not have a license, please indicate why not. 

On XX/XX/year>, I received a response from RTR Financial Services, where they sent me a copy of a past due statement and stated that they verified the information is correct without submitting the information that I requested.
Product: Debt collection

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute and request updates to the collections you have reported under XXXX XXXX ( XXXX XXXX XXXX ) of the Fair Credit Reporting Act ( FCRA ). According to XXXX XXXX, I am entitled to accurate and updated information regarding any debts in question. 

Under XXXX XXXX XXXX, it is required that within XXXX days after the initial communication with a consumer regarding debt collection, a debt collector must provide a written notice containing specific information unless it was already included in the initial communication, or the consumer has paid the debt. 

I am requesting that you comply with these provisions and provide me with the necessary information regarding the collections in question. I expect prompt action to resolve this matter in accordance with the law
Product: Vehicle loan or lease

complaint regarding payments that were marked late by XXXX XXXX for the following account XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ), my consumer report should not contain information solely as to the transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history have negatively impacted my consumer report and are considered as part of my transactions and experiences between me and your company.

Sheffield Financial are in violation of consumer laws put in place to protect me. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ) to follow the law.