23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Listed price on the window $ XXXXThis is Range Rover 2014. 
Lease is for 48 monthsMonthly payments $ XXXXResidual value after 48 months on contract is {$38000.00}. 
24 months have gone byso question is if I pay {$1600.00} for 48 months is equal to {$81000.00}. 
Almost paying off the car. 
The lease deal is not at all right, Monthly should not be between $ XXXX based on my previous lease experience. On checking back with the dealer, I was told that I have already signed the agreement.
Product: Credit card or prepaid card

To whom it may concern. 

I am having difficulty with obtaining my data from HSBC. Attached are official records that show communication of my request for information starting from XX/XX/XXXX. However, I have been calling to HSBC XXXX requesting this information since XX/XX/XXXX, and on XX/XX/XXXX I visited HSBC branch at XXXX XXXX XXXX, XXXX XXXX NY XXXX and requested the same information from Mrs. XXXX XXXX XXXX. 

The information I have been requesting is a copy of bank statements from my HSBC credit card for the period from XX/XX/XXXX through XX/XX/XXXX XXXX hereinafter Requested Period ). HSBC has reissued my credit card several times since the Requested Period. For this reason, bank statements for the Requested Period are not available on my online banking account. Also, I do not possess the number of the credit card which was valid at a time of the Requested Period. The reason of my request of is to prove my medical expenses in the approximate amount of {$2500.00}. 

HSBC has failed to provide me with the requested information. Enclosed are responses to my twenty-three requests and follow-up requests on the same issue via BankMail. Also, the following complaints about the same issue were registered via BankMail : # XXXX, # XXXX, and # XXXX. I am also enclosing HSBCs letter dates XX/XX/XXXX with copies of the bank statements for a period of time which is different from the Requested Period. These are the only records I have since all telephone and online chat agents were unable to provide me any records of my customer request. 

I would appreciate if HSBC could either provide me copies of my credit card statements for the Requested Period or pay {$2500.00} in cash to my XXXXSBC checking account as a compensation for the loss Im incurring due to HSBCs failure to provide me this data. 

If you have any questions, please email me to XXXX or call me to XXXX XXXX XXXX XXXX. 


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

Please remove these fraudulent unauthorized accounts from my credit report. I've never lived at the addresses attached to these accounts. These false accounts have caused me to be denied credit on multiple occasions. You have failed to validate this debt and also have failed to remove these accounts from credit report. My next step is to file suit on all parties involved for damages as well as defamation of character. This is my final time demanding these fraudulent accounts be removed from my credit report. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Care credit has reported me as late XXXX or 3 times which was due to XXXX XXXX, work got slow and when I would send in payment it was held for a few days before it posted which they said was late then. I have ask the XXXX credit reports to look into to this and it always says that it was checked on but never showed me proof that i was really late and never removed from my credit report.
Product: Credit reporting or other personal consumer reports

My problem is the fraudulent names, addresses, and inquires that is on my credit report. 
I want to get everything that is not supposed to be on my report I want it removed immediately. XXXX XXXX XXXX is fraudulent name that is on my report. XXXX XXXX and XXXX XXXX are XXXX addresses that is fraudulent on my report. The hard inquiries are XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these things have reported to my credit without my authorization and I would like removed
Product: Credit card or prepaid card

I have a charge card with American Express that I opened in the summer of XXXX. A few months after getting the card I activated the Pay Over Time benefit which would allow me to make purchases with interest at a limit of {$1500.00}. Shortly after, I realized it made no sense to do so because I was already paying off my balance each month, so there would be no reason to accrue the extra interest so it was turned off. Several months later, as I was continuing to make my normal monthly payments I noticed that my monthly balance was coming in higher than what I was spending and realized Pay Over Time had been activated without me doing so. I assumed that this was a common complaint because shortly after I reported the issue I received a notice in the mail from American Express stating there had been an error in some accounts where this was activated without customers knowledge. 

Fast forward to XXXX and I notice once again this feature has been activated on my account without me initiating it. Well because of this, I had been paying hundreds of additional dollars per month because American Express took it upon themselves to activate the feature without telling me. I reached out several times and honestly felt offended by the idiotic answers the representatives gave " oh you don't accrue interest because you pay your balance off each month '' - that's incorrect. Remember, you now have a Pay Over Time limit of {$1500.00} that is constantly accruing interest which is now separate from your balance of charges that don't fall under pay over time and you are only paying a portion of the amount that is collecting interest.

Additionally, when I realize the issue and address this with the first representative to let them know Pay Over Time has been activated before without my knowledge, " I'm sorry to hear about this '' and not take responsibility because that is always what you are taught to do in this situation. Second representative " we are unable to see your Pay Over Time transactions that far back. '' Why is it different now? What I am now being told is they are unable to see when this has happened before and that any interest will only be charged if the account is not paid in full - but why hide the Pay Over Time balance and your regular monthly balance if this is not an attempt to deceive and charge additional interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

I deputed an account with said agency and they removed said account and no remedy for said inaccurate and impartiality that cause adversity. thy did not use the grave resposiblty to investigate info on consumer. file # XXXX fed loan account removed XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the terms that i need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report.I have been denied credit cards home loans because of this and my character has not only been defamed but my XXXX XXXX XXXX XXXX have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXXXXXX XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacyI ask that these be deleted so my credit report only show accurate information. I reported the theft of my identity to the federal trade commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : 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

Please see the attached letter sent to collection company. Company is in violation of my consumer rights and the laws according to 15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian several times that there are many discrepancies in the reporting on my credit file which all happen to negatively impact my reputation and are unlawfully still furnished. According to 15 USC 1681c-2 ( a ), after being notified that accounts are fraudulent, do not belong to me, nor relate to any transaction that I am connected to ; the information must be blocked and deleted within 4 days of receipt. By my records, I have sent written notification to Experian providing full detail and evidence necessary for its removal. Postal Tracking # XXXX XXXX XXXX XXXX XXXX, received XX/XX/XXXX. It is now XX/XX/XXXX and Experian has not fulfilled its duties to block and delete the information. I have again attached the documents Experian has already received. Further, per 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ), the information can no longer be furnished after being notified by me that the information is inaccurate. I am requesting for the immediate removal of these accounts.
Product: Checking or savings account

Transaction submitted twice by ( XXXX XXXX XXXX ) hotel on two different dates for two seperate amounts for two seperate rooms. The valid transaction for XXXX and the faulty charge for XXXX. I called hotel first on XX/XX/XXXX when transaction was pending, told to call my bank. Filed dispute/claim with my bank ( US BANK ) XX/XX/XXXX after transaction posted, bank submitted provisional credit after 10 days. Bank withdrew provisional credit months after, claiming to attempt to get ahold of me for further information. I never received a letter and had a new number at the time. No secure e-mails or anything in regards to the transaction. After going over statements I noticed the discrepancy of XXXX being withdrawn and was told I was outside of the window for dispute for the claim even though I had receipts for my stay and for the location I stayed at during the second charge. I was told to take the hotel to small claims court or call Visa by my bank. Visa doesnt handle issues with financial institutions because they dont withhold information of transactions. I called the hotel back and they submitted a refund for the full amount to a closed debit card. I have a receipt for the refund however upon calling the bank they still havent received the refund/credit to my account. I would just like to get the appropriate funds credited back to my bank account so I can move forward with my life. This situation has caused a financial strain on my life and should be resolved.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, XXXX XXXX XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to Persolve Legal XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly charging me {$290.00}. I fulfilled my contract agreement and returned the equipment. I have called XXXX per phone calls, there was an adjustment made for the charges that leaves a correct balance owed of {$53.00}. XXXX has sold the debt to a collections agency and refuses to correct the inaccurate amount owed. This violates my consumer rights to have accurate information reporting.
Product: Debt collection

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. 

In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. 

The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. 

The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. 

I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. 

The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Product: Credit card

XXXX Bank open a credit card without my consent or knowledge. Someone used inaccuracies from my credit report for this credit line. Fraudulently open this card that I do not have.
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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX. I disupted multiple inaccuracies with Equifax To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, 30 60/90 late. 4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - XXXX account and late payments are in accurate 6. XXXX/ XXXX XXXX 1- 30 day late payment Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. All of the above need to be deleted and show positive. Please have equifax validate and show proof by providing documentation here.
Product: Mortgage

My uncle died last year. He had a balance on his home equity loan which I have been paying the monthly charges on while the courts were working on approving his estate. In XXXX I received Orders of Summary which I sent to the Bank of America Estate Department via email ( Ironically the BOA rep gave me the case worker 's PERSONAL email address. ) When I did not hear back I called and spoke to the rep. I completed the paperwork provided and gave instructions that I wanted to pay-off and close the HELOC. I did not hear back and subsequently the house was sold. On XX/XX/XXXX I contacted BOA to get wire transfer instructions and a pay-off amount. ( Almost all their branches were closed in FL due to the pandemic. ) Rather than given wire instructions I was provided the address of XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX TX XXXX Mail Code TX XXXX. I sent a cashier 's check for the pay-off ( {$23000.00} ) along with a copy of the Orders of Summary and asking for a mortgage satisfaction and a closure of the account. I was also told to fax my request. I did that on XX/XX/XXXX and received notification that the fax was successfully transmitted. Since the loan had not been paid off I also sent another {$130.00} personal check to make sure the loan would be paid off and the mortgage satisfaction received. 

I have waited on hold at least 10 times ( once for 1 hour and 54 minutes, anther time for 2 hours and 10 minutes ). I have been given multiple case numbers and yet the cashier 's check has never been cashed and the loan is now past due. I even posted on XXXX that I needed assistance. BOA indicates they are prioritizing this issue but no one calls me back or emails me. I did receive a form letter in the mail staying they received written communication and will provide a written response of their findings. 

BOA keeps telling me that their conversion did not " go well '' but I'm sorry this is ridiculous. My uncle 's home is being sold at the end of the month so I am having to have the HELOC paid from the proceeds.
Product: Money transfer, virtual currency, or money service

Cash app closed my account in XXXX after not giving me my XXXX tax refund as well as not letting me have access to my return! 
They said they closed my account due to a violation but wont tell me what that violation is. They are the top scamming online banking company and i am going to SUE
Product: Debt collection

On  XXXX / XXXX /  XXXX   I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is  XXXX . The collection agency  LVNV  replied stating that " we are unable to locate an account under the name of  XXXX   XXXX  with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number (  XXXX  ) provided on credit report and full ssn number. As of  XXXX / XXXX /  XXXX   this item/account is still present on my credit file, last reported on  XXXX / XXXX /  XXXX   according to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
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 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