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

My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX. 
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification. 
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand. 
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.
Product: Mortgage

On XXXX/XXXX/2016 I paid the REMAINING BALANCE of my mortgage in FULL via XXXX check in the amount of {$1.00}. 
On XXXX/XXXX/2016, " XXXX '' informed me my payoff could not be applied to my account until a {$41.00} recording fee was paid. 
On XXXX/XXXX/2016 the {$41.00} recording fee was paid via XXXX check. 
Today, XXXX/XXXX/2016 I have received a late fee of XXXX for the {$1.00} remaining balance because XXXX XXXX/ '' XXXX '' never applied my payment to my account ( violation of FCRA ). 
My {$41.00} recording fee was never applied to my account either ( violation of FCRA ). 
My loan has failed to be reported as PAID IN FULL to ME or the credit bureaus ( violation of FCRA ). 
It is almost XXXX and BSI continues to sit on my payments instead of applying them in hopes of squeezing out late fees from consumers ( violation of FCRA ). 
Today, I called BSI and refused to get off the phone until I had emailed proof of application of payments. " XXXX, # XXXX '' and " XXXX, # XXXX '' hung up on me on two different occasions as I sat in front of my computer waiting to receive this " promised '' email. 
I finally received a " payment history '' from XXXX XXXX, however the payments still show as unapplied! 

BSI has a long history of refusing to apply payments and charging late fees to consumers, not to mention daily harassing phone calls ( 3-5 per day ) starting the XXXX of each month when consumers have a grace period until the XXXX! 

When will someone DO SOMETHING about the XXXX and XXXX caused by this company on honest, hardworking, PAYING consumers like me!!!!!???? 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Credit card

I paid for a XXXX XXXX XXXX for my son. The payment was charged on a Care Credit card for a full year of service. My son requires XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 's recommended this XXXX XXXX for the XXXX XXXX XXXX XXXX. It was made very clear upfront that this treatment is a huge commitment because he would require treatment until XXXX XXXX XXXX My son is currently in XXXX and he began treatment when he was XXXX. We are in the middle of year XXXX of treatment and my last visit with the doctor did not go as anticipated. I was under the impression when we renewed the program continuance in XXXX that this was a XXXX month follow up, however when I brought my son to the office, the doctor was charging for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The management program typically includes rXXXX XXXX XXXX to monitor his progress and ensure his lXXXX XXXX XXXX were well maintained. 

I questioned the necessity of this XXXX XXXX, believing it was meant to be a follow-up for XXXX XXXX XXXX  XXXX clarified that this appointment was classified as an annual XXXX XXXX not related to XXXX XXXX. He informed me that if I didnt want to pay for the aXXXX XXXX, I would need to explore new XXXX options. Moreover, he mentioned there was no need to follow up on XXXX XXXX  unless we observed specific issues. This was surprising, as he had seen my son several times during the first year to monitor the effectiveness of the treatment. 

Because I questioned this XXXX XXXX which was an additional out of pocket expense that the doctor now requires, he did not appreciate my concerns. Now, midway through the second year of his treatment, I received a letter from XXXX XXXX stating that our services were being discontinued, citing, When trust is lost, it is time to part ways. 

Its disheartening to feel that my concerns were handled unprofessionally, especially given the substantial costs paid upfront. Over the years, I have invested thousands of dollars in care with this doctor. To receive a letter terminating care for my son while he is in the midst of his XXXX XXXX reflects a troubling level of professionalism and commitment to patients. And now I must find a new doctor who will accept my son midway through his XXXX year of treatment. 

Because we paid him in XXXX for XXXX  months of eye care and now he is refusing care after XXXX months I would like to be reimbursed or prorated so I can move my son to another XXXXe doctor. XXXX XXXX is refusing service and did not prorate me for services paid that he will now not complete How can I get charges back to my Care CreditXXXX XXXX card? Charged XX/XX/XXXX {$1200.00}. Services terminated by doctor on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EXPERIAN XXXX # XXXX WITH MY RIGHTS UNDER CONSUMER PROTECTION LAW AND FRAUD AFFIDAVATE FILLED OUT, I DEMAND THE FOLLOWING INQUIRIED BE DELETED, NO INVESTAGTION IS NEEDED AS NO ACCOUNTS WERE FOUND OPEN, JUST NEED ALL INQUIRIED LISED REMOVED. 

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$480000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00}
Product: Vehicle loan or lease

To Who It May Concern, To briefly explain the issue, I am financing a car through a company named United Consumer Finance in XXXX,XX/XX/XXXX. For the last couple months both my daughter and I have been constantly harassed by alleged " investigators '' calling in regards to the cars whereabouts and that payments need to be made on it. But when I would ask them how much is owed no one had an answer to give me. My daughter has nothing to do with anything that has to do with the car ( paperwork wise ) but she does help me with the payments. We don't even live in the same state for XXXX sake. 

My daughter was personally harassed on Saturday XX/XX/31 at around XXXX through XXXX by alleged bank workers with bogus badges consistently called her phone and ringing her doorbell in order to get the keys to the car. She has proof of over 10 missed calls from these alleged repo men and they continuously kept ringing her intercom but she wouldnt let them in because she wasn't expecting anyone at that time. Who has any idea who could be at the door at XXXX? My concern is why would they go to her house to get the keys to the car? it is clear that is what they went to do. Isn't that invasion of privacy? One alleged investigator said to me that the title was being resold to someone else. Who does that? How do you renegotiate a title of a car someone else has and is almost paying it off? These repo men did not identify themselves once and then just took the car without giving my daughter notice of where it would be or how much is even owed. There's proof that the car has been being paid, why go through all of this? We're in the middle of a pandemic where some places are offering financial reliefs and here they are repossessing a car that's more than half paid off. Needless to say, a tow truck never came and the guy just took the car keys away from my daughter and drove off no information only thing he said to her was to get legal advice because something seemed strange about it all. I believe he mentioned that because she said she felt harassed. 

I have all the money order stubs of the payments that's been made on that car, not much is owed on it. My concern is not only if this repossession was lawful but on what grounds can they show up to my daughter 's house who lives in a completely different state and has nothing to do with the car without identifying themselves. I thought repo men just take the car and keep it moving thats it. I know the people that called would say they were investigators but was she being stalked? By a bank? That really worries me. 

I would greatly appreciate your help in anyway you can. 

Thank you,
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. XXXX requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. CXXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Debt collection

Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Exeter continues to say go to dealership but in order to report or collect a debt they must have a legal signed documentation with my name on it. Ive requested that from them but never received.
Product: Credit reporting or other personal consumer reports

Over the last XXXX  days, Experian and XXXX have received multiple complaints and disputes regarding inaccurate information on my credit report. Note : Experian is the only agency who has failed to correctly recognize the inaccuracy and remove the affirm data from my report. 

Experian began receiving claims against this company in XXXX 2023 through XXXX XXXX XXXX Experian has been aware of the issue since then and still fails to remove the inaccurate records. 

Experian received a claim around XXXX with approx XXXX items to be disputed. Upon receiving that claim, Experian only selected XXXX items to review and ignored the rest of the letter as provided. 

Experian was again notified of their failure to accurately handle a FCRA request and noted their violation. They also received additional information regarding the claim from XXXX, XXXX. Again, Experian did not review the data provided and just contacted the furnisher who continues to affirm that the information is accurate, even with provided proof to Experian. 

Experian was contacted again, and they did not provide any additional information as to why they are refusing to correct the inaccuracy, even with multiple records submitted. 

We have provided multiple official statements to Experian as well as the creditor. We have provided proof of emails showing the auto payment is set up. We have submitted multiple proofs of documentation, including a claim to the XXXX with XXXX. However, even through it all, Experian has failed to comply with the request for removal.
Product: Credit card or prepaid card

Ordered a pet confinement fence as seen on a XXXX. site on XX/XX/23. Pd with Citibank LLBean M/C Credit card. Company substituted a screwdriver set for the {$39.00} fence. No way to reach this company. Have tried. Citibank says my documentation does not support the claim against XXXX. This was purchased on the XXXX site with the Citibank LLBean M/C card. I have no further documentation. The site disappeared from XXXX  right after I posted " scam '' .I need help to recover the {$39.00} I have been charged to my Citibank Card . Dead ended by Citibank. I sent Citibank as much documentation that I had which the P.O. tracking shows Citibank received on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 

XXXX XXXX, XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized credit inquiries that appear on my XXXX credit report. I believe these inquiries were made without my knowledge or consent and therefore should be removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 
The inquiries in question are as follows : XXXX XXXX XX/XX/year> XXXX  XXXX XXXX
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 XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance XXXX {$6200.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} 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 or other personal consumer reports

I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of XXXX XXXX XXXX. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my XXXX, Equifax, or XXXX credit report if it is reporting.
Product: Student loan

Sallie Mae knowingly approved my student loans ( now totaling more than {$210000.00} ) between XXXX and XXXX for a school and degree that would not warrant that amount. I was too young at the time and had parents that were uninformed of the financial risks associated with these loans and interest rates. Instead of pointing me to other forms of education assistance, they simply approved enormous loans to a young, first-generation student. 

Today, those loans are in deferment because I needed to drop out of that school ( XXXX XXXX  ) for lack of funding. Now, those loans are a huge determent to any financial moves I can make alongside my wife ; I understand I knowingly agreed to those terms as an XXXX. old, but they must understand that I was too young to accept to $ XXXX, $ XXXX amount loans! 

Now these loans are still separate, totaling around {$210000.00}, which means they will charge me monthly payments for each individual loan ( XXXX loans of about $ XXXX to {$60.00} each! ). These amounts, even after I finish my degree and with a working spouse, will never allow any type of financial freedom. Refinancing with other institutions has been impossible as each I've reached out will not touch such large loans. 

In summary, Sallie Mae approved lucrative loan amounts, and then didn't even allow me to finish the degree for lack of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting DELETED accounts from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY update the accounts as soon as possible. These are the accounts that need to be updated : XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$19000.00}
Product: Money transfer, virtual currency, or money service

I have had an account with this company many years then last year they wanted more KYC info.I sent all they asked for, but they still locked my account saying they wanted payslips dating between XXXX to XXXX, as proof of funds, which I no longer have. So they closed my account, saying they have sold my coins and sent the funds to my bank. But they do not have my bank account details and no funds have appeared. I must point out that there are round XXXX complaints on XXXX and XXXX of them doing the same thing