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

Complaint re HSBC branch address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear CFPB Supervisor : I am writing to report an on-going retaliation from HSBC against me for filing a complaint about HSBCs local XXXX XXXX branch manager to CFPB. ( Complaint # XXXX ) On Friday, XX/XX/2019, I received a shocking voice message from the same HSBC local branch, that they will close my account. They ordered me to provide a utility bill to prove my address ; or else. I explained to HSBC representatives that I did not have a utility bill, since I live with a partner and have never paid for utility. ( Follow-up # XXXX ) I fully cooperated and offered other reasonable proof, e.g., DMV registration ; tax records ; paycheck documentation ; or an affidavit under penalty of perjury ( from me and my partner, confirming my address ). Additionally, I even offered to add my name to the utility bill for the sake of HSBCs utility bill request.

HSBC rejected all of the above last week. Worse, now they even added MORE RESTRICTION. Now, HSBC would only accept proofs dated within the last 60 days.

This latest requirement was added AFTER I contacted HSBC multiple times last week and discussed ways I could meet their proof. Once they learned from me what available documentations I have, HSBC specifically created a new hurdle to overcome : last 60-day correspondence requirement.

I spoke to HBSC customer service representative, XXXX, on XX/XX/2019, to explain why HSBCs latest requirement was excessive and unduly burdensomeespecially in light of the available options that could be provided HSBC as proof. 

In XXXX, I originally came to HSBC because of a special program they offered : a {$370.00} bonus plus {$100.00} referral to open a checking/savings account. I deposited {$10000.00} usd. I also opened a {$100000.00} certificate of deposit ( CD ) for one year, earning 2.5 % monthly interest. I was NEVER advised of these extreme proofs at the time of enrollmentotherwise, I and my friend would never have joined HSBC, and suffer these on-going cruel tactics.

It has become very clear to me and my family that HSBC is trying to close my account as a way to cut off any responsibility for the grievances I submitted to the CFPB. I have spent countless hours to resolve their sudden request -- as they kept moving the goal posts. Prior to this, I suffered even more aggravations from the branch manager, XXXX XXXX, for his mishandling of my account, subjecting it to a heavy hit credit check. 

I urge CFPB to stop retaliation from HSBC directed at me and advise HSBC to accept reasonable forms of I have offered. These proofs have been customary forms of accepted documentations by numerous institutions.

If HSBC forcibly closes my account, then the fair resolution would be to compensate me for the bonus {$470.00} dollars and annual 2.5 % CD interests that I would have accrued had my account been left in peace. 

Please feel free to contact me with any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is disgusting!!!!!!! They have lied to me over and over promising to " block '' the late payment information from " XXXX XXXX XXXX '' if I supplied them with Fraud documentation. Everytime time I call Experian 's Fraud Department I get a different set of requirements. Each time its more rediculous than the last request. The first time they said " Oh we need Police report '' the second time it was " Oh we need a police report that says Identity Theft on the report '' the third time it was " Oh we need a police report along with your identification '' and the fourth time " Oh we need the XXXX XXXXXXXX to sign your police report '' and on and on like i'm supposed to be a fool and be delayed every ( 30 ) days while they drop my credit score XXXX points. I have also included their emails showing all the " excessive and unreasonable requests '' see attached. CFPB you say that you regulate these people but you don't. Experian is not accredited by the BBB and they have XXXX XXXX complaints against them and counting. I question how they have been able to get away with their " juvenile delinquent '' behavior and not once has the CFPB ever corrected them. Experian was sucessfully sued in XX/XX/2022 for {$22.00} Million Class action settlement for sending incorrect information about consumers to third parties. https : XXXX. And sued once again for their {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX got hacked and their client T-Mobile customers information was leaked https : XXXX. All the Attorney XXXX got paid but none of the customers did? Sounds like they are making mistakes all the time and what is the CFPB doing to protect the general public from an agency gone unchecked? Apparently nothing. You ever heard of XXXX? Well its not just something that XXXX said its actually in the XXXX. You reap what you sow ... .God is not a fool and he will not be ignored any longer, you can be certain you will reap what you sow. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Back in XX/XX/2018 I advised Equifax that I am a victim of identity theft and you are reporting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Equifax deleted accounts yet inserted them back without giving me notice as well. Once again these accounts do not belong to me so why are you repeatedly continuing to report these onto my credit file. Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.i will be forced to file suit against Equifax as well as the listed companies if they are not deleted immediately. There are no contracts bearing my signature nor have they provided any proof that I have ever had any obligations to pay them. Im getting fed up with the false reporting.
Product: Credit card or prepaid card

This concerns my American Express card. Apparently, I triggered a penalty APR in XX/XX/2021. I'm not aware how this penalty was triggered but it may have been by being late by a day or two with a payment. The representative I talked to also said the penalty may have been triggered by not paying the entire balance due. I was never aware that not paying the entire balance could be a basis for charging a penalty interest rate of 29.99 %. Outrageous. I have asked to have the penalty APR removed, which I believe was done today. I have also asked to be reimbursed for excess interest charged via the penalty APR since XX/XX/2021. American Express has not agreed to make this adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$27000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$910.00} XXXX XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$6500.00} XXXX Date Opened XX/XX/XXXX Balance {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX Date Opened XX/XX/XXXX Balance {$920.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$530.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$18000.00} **Inquiries** XXXX XXXXXXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX around XXXX a stranger approached me and asked me to deposit a check for them because they needed the cash since their account was overdrawn a large amount. I thought nothing of it since checks usually go right through and I proceeded to enter my information into the atm, I let the stranger deposit their check and he then asks me to withdraw the amount deposited and hand it to him. The strangers body language made me uncomfortable I didn't know if he had a knife, so I did as I was instructed and thought nothing of it. Approximately 15 minutes later it hits me that if the check bounces I'll lose that money. So I immediately call XXXX customer support and report that I've just been scammed. After at least 5 phonecalls they tell me there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I was in the middle of a medical crisis due to my  XXXX  before   XXXX   XXXX   and after   XXXX   XXXX  . I have made late payment twice this year due to my medical complications. Capital One gave me hard time waiving both late fees in both instances, they ended up waiving them. I made my most recent payment on the due date of   XXXX    XXXX , 2017, however it got processed on Capital one 's end the next business day, and was considered late since according to Capital one I did n't make it by the cutoff time of   XXXX   XXXX   ET. The disclaimer regarding the late fee on my statement clearly states the following : " LATE PAYMENT WARNING : If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to {$35.00}. '' I have a screen shot for this part of the statement, where the late fee mentioned once in that one statement only, exactly as stated above.
If the statement said [ If we do not receive your minimum payment by your due date & the deadline of   XXXX   ET., you may have to pay a late fee of up to {$35.00}. ] Then I have no excuse to get the fee waived and I am responsible for it in that scenario.
 XXXX 
Their statement regarding the deadline of  XXXX  ET is located above the new balance amount and the payment due date, separated from the LATE PAYMENT WARNING statement.        
In  XXXX  vocabulary, when we specify date it means day of the month & year excluding the " time '' of day.
 XXXX 
Capital one refused to waive it even though me and my husband offered to send them the PDF document that has the time stamp that proves the payment was made on the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX 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

I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.
Product: Credit card or prepaid card

I have a capitalone credit card. 

I have a XXXX to pay or receive money. 

Complaint : When I used XXXX where capitalone is the linked credit card, I noticed CAPITALONE charges {$10.00} for any transaction. If I send money say {$2.00} via XXXX, CAPITALONE charged a fee of {$10.00}. 

I suddenly don't have any money or credit left on my capitalone and upon checking, I was charged a fee totaling almost {$100.00} for small amounts made thru XXXX. 

I called CAPITALONE and they told me they've started charging fees. I asked if they had it on their agreement and if we were notified, they refused to answer and said {$10.00} or 3 % whichever is higher. 

I then googled, and found customers of CAPITALONE so mad they've been scammed as they say. 

Attached is the statement from CAPITALONE that I showed to them. 

Also, their advertisements says " no fees '' which I believe is false advertisement.
Product: Debt collection

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement XXXX entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not XXXX  % correct and I demand them to be REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$560.00}
Product: Mortgage

I paid off my loan in full on XXXX XXXX, 2020. As of XX/XX/2020 I have not received my escrow refund. I have called three times and sent a message. Each time I call I get a different reason and am told to check again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 20TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Inquires XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took a look at all XXXX of my credit reports and discovered inquiries that are not mine. I have contact the credit bureaus and the reps told me it was too long of a list and wont remove it