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

I recently opened HSBC XXXX XXXX XXXX XXXX Credit Card. One of the main reasons was because of the free airport lounge access feature provided by XXXX. After accessing several airport lounges with the credit card, I was surprised to find the charges on my credit card statement. XXXX XX/XX/18 {$54.00} and XX/XX/18 {$27.00}. When I called HSBC to dispute these charges, I was told that I had to go online and register with XXXX before I can access the airport lounges. I did not see that requirement in the guide to benefits and terms & conditions ( will attach below ). I also called HSBC before my travels to confirm how to access the airport lounges and was told by customer service I only had to present my HSBC XXXX XXXX XXXX XXXX. Below is the email I sent to HSBC : Dear Customer Relations, I am very disappointed with the XXXX XXXX XXXX. One of the main reasons I switched to this card was for the airport lounge access. This is what is stated in the guide to benefits : " Before traveling, clients can log on to the XXXX Airport Experiences provided by XXXX website or access the smartphone app and view a list of participating lounges. '' This is exactly what I did and went to the participating lounges on the XXXX website. 

The guide to benefits also says " HSBC XXXX XXXX Elite XXXX credit card clients present their card or XXXX access QR code found in the XXXX XXXX XXXX provided by XXXX Smartphone app to gain admission for themselves. '' " To gain access to the lounges, a client only needs to quote " XXXX '' or XXXX XXXX XXXX at the participating lounge. Then the client simply presents their HSBC XXXX XXXX XXXX XXXX to the lounge operator or present their XXXX Access QR code. '' I presented the HSBC XXXX XXXX XXXX XXXX. I do not see anywhere in the guide to benefits, that says I must register with XXXX or must download the app. I also called HSBC customer service before my travels and confirmed to gain access to lounges I need to simply present my HSBC XXXX XXXX XXXX XXXX. 

I believe this is fraud and misrepresentation and HSBC should refund the lounge charges. I will be filing a complaint with the Consumer Financial Protection Bureau and pursuing a class action lawsuit. I don't think I am the only premier card holder affected by this. I will take my banking business elsewhere. 

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

The reason for my dispute is because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX 10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account names and numbers : 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 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 reports containing any of the following items or 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 1681 5-2 ( 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 card or prepaid card

On XX/XX/XXXX or before I closed my XXXX XXXX XXXX by phone. It was a secured card. My balance that day was {$1100.00}. The {$1000.00} security account was paid to XXXX XXXX reducing my balance to {$160.00} which I paid through my bank that month. 
The account was closed and paid in full. Subiscqkelty while I was in the hospital I started reciveing account statements for late fees starting with {$35.00} adding another {$35.00} each month. I did not have anyone alerted to pay a bill from XXXX XXXX because the account was closed and paid in full. By the time I saw and called the first bill was for about {$70.00}. They are now demanding over {$100.00}. 
I made three calls, one a month to fix the problem but was stone walled. No one called me back. I was not given a place to write or email. I was not allowed to talk to anyone who know what was happening or could fix the problem. All they did was threaten. 
When I closed the account a payment from my secured account of {$1000.00} was made well over the {$35.00} minimum payment needed for XXXX. My payment of {$160.00} was made upon demand constituting a second payment for the month of XXXX. I paid twice and they charged me a late penalty. 
As I attempt to get their attention they continue to add on charges every month to a closed account with a XXXX balance. 
I get the feeling in dealing with them that they are accustomed to such contemplates as mine and they have no interest is fixing the problem as long as they are making money. I am a senior citizen and feel I am being taken advantage of by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company is lying saying that Ive opened a loan account with them. None of the information of the accounts is mines, firstly I have a police report stating Im a victim of identity theft. Second I have a FTC report backing the claim. Now down to the nitty gritty. This company says they have my ID on file, which ID or Driver license do you have? Show whats on file. Also the number associated with the accounts is a phone used by over 5/6 ppl its a cellphone thats used by roommates for the house. Also the address is completely wrong. Ive never lived at the place yall stating. Wrong address. Wrong ID, wrong telephone. Also this company has be LYING saying I spoke to them on the phone. Release those calls and also all the information related to the account. Its so many ways I can prove this is fraud. Do your jobs and investigate because Im about to sue yall for my next step
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I am having a problem with Synchrony Bank regarding a JCP Credit Card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract as evidence n their response from another complaint I filed with the CFPB that I have attached. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016 and XXXX XXXX, 2016 showing that their account is not marked disputed. 
Synchrony bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Product: Credit reporting 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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 believe that the information is inaccurate.
Product: Debt collection

My personal information was leaked in a dats breach. I had no knowledge of the debt that is in need of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXXXXXX & they told me I've never missed a payment, yet the 3 Bureaus refuses to update me from being listed as XX/XX/XXXX to XX/XX/XXXX on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

My wife and I recently applied for a Barclaycard XXXX Credit Card. After receiving letters that Barclay required additional information/verification of information I made phone contact with Barclay. In order to proceed with the applications I need to mail them a copy of our social security cards ( front and back ), driver 's license ( front and back ), bank statements, and a recent utility bill. If this does not raise red flags then I do not know what does. We have excellent credit scores ... above XXXX into XXXX with no creditor issues. When I asked why in this day in age I would want to send this highly sensitive personal information in the mail to complete strangers I was told not to worry as the information would be shredded upon use. That was suppose to ease my fears of identify theft, I guess. This process does not appear to be appropriate when applying for a credit card. Previous contacts with card companies in the past have always provided instant approvals after they checked our finances while holding on the phone. Needless to say we are not moving forward with the applications only because of security concerns of our personal information.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Bank account or service

Hi, XXXX people in our household opened up citi checking accounts with a {$400.00} checking account bonus. The promo code was XXXX. We have met all of the requirements and it has been over 2 months since we have met the requirements and no bonus has been put in our accounts. Every time I call in to ask about the bonus they bring up different excuses : we will escalate this to a supervisor, we will investigate, you need to send in XXXX forms, etc.. Citibank has been stonewalling hundreds of customers on this bonus ( I have read of hundreds of others who are having the same problem ).
Product: Money transfer, virtual currency, or money service

funds transfer from my XXXX account to an account at JPMorgan chase bank, which has remained unresolved since XX/XX/year>. On the specified date, I made a transfer to a known recipient, who holds an account with JPMorgan Chase Bank with the account number..and XXXX... Unfortunately, I made an error by inputting my own name and surname instead of the recipient details, while using his correct account number. 
As a result, the funds did not reach the intended recipient and have not been returned to my account since XX/XX/year>. Despite my bank, XXXX, tirelessly communicating with your institution to initiate a recall request for the funds, this request has been denied by JPMorgan Chase Bank after three months of continuous efforts. Therefore, I am reaching out directly to seek a resolution. The transfers in question are : {$630.00} on XX/XX/year> {$47.00} on XX/XX/year> {$3.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Went to Rent a House for my XXXX bday, found a person through XXXX and she talked me into sending her {$690.00} deposit via my bank site, When I logged into my bank site I was able to do a " XXXX '' bank transfer which I thought since it was my own bank site they would have my back. Long story short, the person that I sent the {$690.00} dollar deposit cancelled my reservation when I asked for more details less than 24-hrs later and did not give me a refund as she promised. Since then I have filed a complaint with my bank twice ( Chase ) and they said that all XXXX bank wires are non-refundable. I filed a police report with the XXXX County Sherrif 's office and they said this is a Civil Matter, I spoke with XXXX XXXX   and they did not care and then Finally I hired a Lawyer who sent three certified letters to who we " think '' this person is. The problem is the person I sent the money too I only got their phone # ( which was the # I used to direct deposit ) and her email address. My lawyer found the house I was " supposed '' to have rented and sent certified letters asking the person to give me my {$690.00} deposit back but they have fallen on deaf ears or they have been refused. The bank still does not care that I sent {$690.00} to someone and I received nothing in return. I was scammed and because it was through " XXXX '' I have no protection. The lawyer said we could file a Civil Suit which would be another XXXX dollars but the biggest problem is we do not know who the person is and if we try to serve them with a process server that will cost more money, and if they even show up for court is another story all together. I just want my {$690.00}, I have a lot of proof, including a lawyer who tried to help with a demand to give my money back. The thing is, they were going to give me my money back but started giving me " rules '' -- they wanted me to send a picture front and back of my license but I was uncomfortable with that. Another interesting note, the rental house is still active on the " XXXX XXXX '' rental site but the person changed the name from " XXXX '' to " XXXX '', again XXXX does not care and does not want to help. Please look into why XXXX is not protected and what you can do to help me recover my {$690.00} deposit that I Sent. I have all the proof that this money should be returned to me. 

Important Info : Person I spoke with said her name was " XXXX XXXX '', her phone # is XXXX and her email address is : Email : XXXX The house address I was supposed to rent, the lawyer found it as address : XXXX XXXX XXXX XXXX, FL XXXX which is owned by a XXXX XXXX XXXX which comes back with the owner : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX FL XXXX -- XXXX has not responded to certified letter or calling him once. XXXX XXXX is another name that came up as well with the original phone #. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding their decision to cancel my repayment card option, which has had a detrimental impact on my credit score. This matter is of grave concern to me, and I seek your assistance in addressing it. 

I have been a dedicated Wells Fargo customer for an extended period, relying on the convenience and reliability of the repayment card to manage my financial obligations efficiently. However, without any prior notice, Wells Fargo abruptly terminated this vital service. As a result, my credit score has suffered significantly, leading to various financial hardships. 

I have attempted to resolve this issue directly with Wells Fargo, but my efforts have been met with inadequate responses and delays. I believe that this situation warrants your intervention to ensure that my concerns are addressed appropriately. 

I kindly request that the CFPB investigates this matter thoroughly and takes necessary actions to rectify the situation. Wells Fargo should be held accountable for the adverse consequences this decision has had on my financial well-being. 

I have attached supporting documentation, including records of my attempts to resolve this matter with Wells Fargo. Please do not hesitate to contact me if any further information is required. 

I appreciate your prompt attention to this complaint and look forward to a resolution that restores my financial stability and holds Wells Fargo accountable for their actions. 

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

This morning, I was shocked to find inaccurate accounts on my credit report without any explanation. I check my report regularly, and today, out of nowhere, these discrepancies appeared. I even tried refreshing the page, thinking it might just be an error, but nothing changedthe wrong accounts stayed on there. Im seriously worried and want the documents Ive sent to be carefully reviewed so I never have to stress over this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT, I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT XXXX XXXX XXXX ( {$140.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those month s as 30-59 day s late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.
Product: Checking or savings account

Chase bank has closed several of my accounts. They refuse to tell me why these account were closed and they are holding the funds in these accounts. Ive called them 10times over the past 2 months trying to get updated on when I can expect to receive my funds. They keep telling me that they are waiting for the back room to verify information and to call back at a later date. They cant guarantee that my funds will ever be released to me and they cant tell me when to expect an update from the back room. They are telling me to keep calling back for an undefined amount of time until there is hopefully an update. This has already been going on for months and could take many more months/years to sort out because no one can guarantee a time frame. This is very unethical. They are keeping MY money from me and cant tell me when theyll have an update on my funds. Ive spoken to several supervisors who cant connect me to the back rooms and cant connect me to a complaint, grievance, or fraud department because apparently Chase Bank doesnt have those.