23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This complaint is a follow-up complaint to CFPB complaint # XXXX and now complaint # XXXX due to the inaction and lack of communication by HSBC. What I said was going to happen has happened ; in my first CFPB complaint to HSBC on XX/XX/2020 I said " I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. '' My account has finally reached to {$0.00}, in fact, even a negative balance. Based on a response by XXXX in response to my second CFPB complaint, a check in the amount of {$1400.00} was sent/generated on XX/XX/XXXX. XXXX said that it would take 7-10 business days for it to arrive. When 7-10 business days passed, I tried to maintain communication with XXXX, which had large gaps in her responses and no responses through email recently. During my wait with XXXX XXXX had to call customer service multiple times, with every time having no results. It is now XX/XX/2020, almost 2 months after the check was supposedly " sent/generated. '' The lack of communication or reassurance that my funds would be given back to me as continued to lengthen this ordeal for me and has appalled me beyond belief. I have done everything on my part during the fraud investigation, which took an unnecessary number of months with the fraud department trying to shift blame to me when I was the one that had to bear the brunt of communication by calling them every time, since no one was calling me back. I have had well over 40 lengthy calls with HSBC trying to keep me informed about my money and my account and now it looks like the struggle that I had with the fraud department is now happening with the customer relations department. I have checked my mail every day. I have been put on hold for hours on end. I have maintained hope in HSBC that they would keep to their word give me a great banking experience, but so far it has just been a living nightmare.
Product: Credit card or prepaid card

I have a Barclaycard US credit card which has monthly payment due date of the XXXX. I paid my XX/XX/XXXX payment for this card on XXXX XX/XX/XXXX. I was nonetheless flagged as past due for this payment. Customer service informed me that their computerized system generated its billing on the XXXX of the month, therefore my XXXX XX/XX/XXXX payment was applied toward the balance of the account by not to the XX/XX/XXXX billing. I was informed that I am therefore expected to pay a double bill for XX/XX/XXXX and XX/XX/XXXX despite having already paid the former. My request that this payment be reapplied was denied. I have always paid my bill well before the XXXX of the month in which it is due but after XXXX in the month in which it is paid to avoid confusions. I find Barclay 's position unreasonable and unacceptable, and believe that having paid my bill in advance of its due date Barclaycard US should accept it as such. I have also informed the company 's representative that I will be making no further payments until they do so. 

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

The Fico Score for XXXX and Experian is not reflecting on my updated credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, Transunion, XXXX, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my pin to unfreeze my account. I was quoted a cost fro Experian to unfreeze. I agreed, they were to overnight me the info needed to unfreeze my account. Instead they charged my card more than quoted, sent me a credit report instead. Something I could get for no charge. I called back, they charged me again. When I asked about getting a refund, they said I needed to start an investigation. Here are my questions/problem : 1 )  why did I need to start about five investigations, all which were never investigated. 
2 ) why did Experian refuse to return my money when they admitted it was there mistake? 
3 ) Why on multiple calls, was I blamed for the failure of the investigations when I did exactly what I was asked to do 4 ) why was I threatened by Experian when I stated I would dispute the charge because Experian refused to follow up on any of the investigations I requested. 
5 ) why when I asked what federal agency polices ( not that this division of the government polices a thing )! was I directed to the wrong agency Experian would go along way by answering those questions. But they wont. You know it, I know it, they know it. 

The government will not force them to respond.
Product: Checking or savings account

Regions Bank, Recently I filed two claim ( s ) for unauthorized purchases on my check card, and they were immediately denied requesting supporting document. 

I would like my money back and ask that the CFPB step-in and assist me, in retrieving my money. 

Claim ID ( s ) : XXXX & XXXX Dates Filed : XX/XX/2020 I would like proof of how it was investigated, how you determined that they were valid charges, and proof that they were actually investigated otherwise I will be taking more steps. 

I ask that the money be returned to my account immediately upon reviving this notice.
Product: Checking or savings account

My wife and I maintain a joint checking account with Capital One and receive biweekly direct deposits from her employer. Today, XX/XX/year>, she was due to receive her direct deposit, but it was not credited to our account. 

We received no proactive communication from Capital One regarding this issue. Upon logging into the Capital One website, we were met with a vague and uninformative banner stating, " We are currently experiencing technical issues. We are working to fix the problem as quickly as possible. '' This message fails to address the following : the specific products and/or services impacted by the outage the efforts being undertaken by Capital One to rectify the issue potential workarounds for users during the outage It has become apparent that Capital One 's outage is preventing access to bank account funds and disrupting direct deposits. 

My wife 's salary is essential for our family to meet our financial obligations, including paying bills and purchasing household necessities such as food and gas. 

After contacting Capital One and enduring a nearly hour-long hold time, I was connected with a representative who was unable to provide any substantive information about the situation. It was as if Capital One was either unconcerned or uninformed about the severity of the outage. 

We entrusted our finances to Capital One, and they have failed us completely. This incident has shattered our confidence in their ability to provide reliable banking services. We will be closing all of our accounts with Capital One and urge others to do the same. Their mishandling of this serious situation warrants a strong response from customers and regulatory authorities.
Product: Credit reporting or other personal consumer reports

Late payments Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment XXXX  XXXX XXXX XXXX XXXX XXXX Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The previous account has been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED TRANSUNION SEVERAL TIMES THE LATE/MISSED PAYMENT BE REMOVED FROM MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ALSO FOR PERSONAL LOAN. THIS IS A DEFLAMATION OF CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
Product: Debt collection

This situation has been beyond frustrating and exhausting. Imagine waking up to find yourself burdened with a debt that isn't yourscompletely unverified, yet somehow attached to your name. On top of that, I'm being harassed through multiple channels, bombarded with different tactics meant to intimidate me. I never imagined Id be dealing with legal threats over something I have absolutely nothing to do with. As a law-abiding citizen, its both insulting and infuriating to have my rights as a consumer blatantly disregarded. The stress from this ordeal is affecting my XXXX XXXX, and the sleepless nights have become unbearable.
Product: Checking or savings account

I deposited a certified {$2000.00} check into my USAA checking account. This was completed as a mobile deposit because the bank does not have branches. This was Friday XX/XX/year>. I had access to only XXXX. I needed at least XXXX. I logged into mobile app and chatted with an agent who said the money would not be available until the earliest XX/XX/year>. 

XX/XX/XXXX the money still was on hold. I filed a complaint and requested tge written policy and proof that I had acknowledged a policy that holds funds of a certified check for 8 days. 

XX/XX/XXXX and XX/XX/XXXX I continued to request my funds. By this time I needed gas and groceries. I also had to cancel seeing my son and his family because I did not have tge funds. 

I believe holding funds from a certified check for 7 days is unnecessary and excessive especially when mobile deposit is only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  XXXX via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX XXXX requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.
Product: Credit card or prepaid card

I have around {$23000.00} on my XXXX card which is what my social security XXXX money is sent to every month. My acct need verification to authenticate my acct. I spoke to XXXX and sent in my ID to validate. They sent an email stating they needed more documentation ( ie birth certificate and social security card ) I sent that in. Now they are saying I need to go into the XXXX XXXX. However no offices are open to the public so you must call. Upon calling they told me they dont validate acct for XXXX. I dont know how to get or access my money as I keep getting tan in circles. No one seems to be able to help and I need my XXXX money to live.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX, TRANS UNION, AND XXXX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them. The accounts listed on TRANS UNION, XXXX, AND XXXX are fraudulent reporting from creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

YOU BROKE THE LAW!!! 
You are in violation of my rights and you broke the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports cleary states that i have to give you permission to report anything on my credit report.

NO CONSENT FROM ME IS CONSIDERED IDENTY THEFT!

( 2 ) In accordance with the written instructions of the consumer to whom it relates I DID NOT GIVE YOU PREMISSION TO DUE SO AND YOU GUYS DONT HAVE OR NEVER HAVE HAD ANYTHING IN WRITTING SAYING THAT I GIVE YOU PREMISSION TO DUE SO! I HAVE CONTROL OVER WHAT GETS REPORTED AND THE PRIVACY OF MY REPORT.

YOU WILL DELETE THESE ACCOUNTS!

15 U.S. Code 6801 - Protection of nonpublic personal information - cleary states that ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

All eight of those financial institutions have violated and broken the law by not protecting my privacy and giving you my none public personal information, They know they are in violation and your company knows accepting this information and reporting it is in violation also you just do it anyway in hopes that people dont know their rights!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information again this goes into more detail about sharing my none public information and states that no financial institution shall give my information to nonaffiliated third party. 
The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. YOUR COMPANY IS A NONAFFILIATED THIRD PARTY!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I loaned a friend money for a mortgage and he paid through XXXX which was tied to my Venmo account. He paid {$4000.00} in total and I tried to transfer the money to my bank account. Venmo froze my account and have permanently deactivated it for violating their user agreement without reason and are holding on to the funds for up to 180 days
Product: Debt collection

XX/XX/year>, Amount {$1300.00} Never received anything validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXXXXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant XXXX These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

I had a {$1000.00} limit on a synchrony XXXX for about a year. I was surprised they approved me due to credit score issues. However, I used the card during the pandemic to stay afloat and made sure to make EVERY payment on time and often made more than the minimum. I was able to pay it off completely and was so proud of myself. About a month after I paid it off, I received a letter stating they were closing my account. I was a good client. There has been no change in my credit history or housing situation. The letter is non specific and when I called to inquire, the rep couldnt help me. If this is how synchrony bank treats its good paying clients, I want no part of their bank. I think its horrible that the punishment I received for paying it off is a closed account which will further damage my credit history. I wish I never dealt with them at all.
Product: Credit card

DiscoverCard has denied several legitimate transactions for me, one time leaving me stranded at an airport because I could not get a XXXX home. When the transaction occurs I received a text on my cell phone suspecting fraud and telling me to call in. When I call in I am told I can only validate my identity with a phone number that is with the credit bureau. I changed my phone numbers awhile back due to XXXX XXXX and my current number is not in the credit bureau, nor do I want it to be. Even though Discover is texting me about the fraud to my correct number, they will not use that for my identity and as a result I cant gain access to my account.