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

On XX/XX/2021, I made a bill payment through HSBC 's online banking platform to pay my credit card with XXXX  for my full statement balance of {$780.00}. As noted on HSBC 's website, they have a " {$0.00} Liability, Online Guarantee '' which states that " HSBC will bear the responsibility for any late payment related charges should an online bill payment arrive after its due date as long as you scheduled the transaction within five business days of the payment due date. " : XXXX XXXX XXXX I selected the soonest available date on the bill pay calendar, which was XX/XX/2021. The due date for my XXXX credit card was XX/XX/2021. The payment did not arrive to XXXX until XX/XX/2021. Because the payment arrived late, I was charged a {$29.00} late payment fee and {$25.00} interest charges by XXXX. I don't carry a balance on my XXXX  card over to the following month, so I wouldn't have had interest charges incur if the bill pay would've made the payment on time, as promised. I called HSBC 's customer service on XX/XX/2021 to inform them about the fees. The reference number for my HSBC case is XXXX. It has been over 3 weeks and HSBC refuses to refund me {$54.00} ( {$29.00} late fee plus {$25.00} in interest charges ). HSBC claims the payment did arrive to XXXX  on time but they can not provide a tracking number to confirm this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been 3 main issues with Money Lion Initially they did not have a phone number to call and fix my payment issue. 

When I finally got a hold of them they put in my payment info in incorrectly I paid it off in XXXX and they continued to put additional lates on my credit after balance was paid off Because of the issues above they have put lates on my credit report and they need to be removed
Product: Mortgage

My father XXXX on XX/XX/XXXX. I became responsible as a personal representative for his estate. Citimortgage was the mortgage company for my father from XX/XX/XXXX to XX/XX/XXXX. I requested documentation of his payments and sent in the necessary documents twice. I asked for a detailed account summary of his payment and fees within the 4 years that Citimortgage had his account. The mortgage company representative told me that they could give me records that span 7 years back from the time my father had an account with Citimortgage. I have only received 2 years worth of documentation XX/XX/XXXX-XX/XX/XXXX. I am requesting XX/XX/XXXX-XX/XX/XXXX. I have yet to receive the information.
Product: Credit reporting

I 've always had a continuously rising credit score as I have never missed paying a debt obligation on time. Shortly after I moved it was lowered XXXX. I received the information through XXXX and they use TransUnion. So I requested a free credit report from them and found no negative information. I phoned and then filed a so-called dispute online. It 's not really a dispute, I just want to know their reason for the XXXX cuts. Their reply was to simply send me a copy of my credit report with my questions in the Customer Statement area. That was my XXXX " free '' use of the online dispute medium. I then mailed them a letter detailing the issues I was concerned with. I will attach that letter and their reply. That they avoid answering any questions may be due to ineptitude or avoidance. I tend to think that my being retired and of a certain age, and that the cuts occurred immediately after I moved to a " low income '' neighborhood, activated a discriminatory algorithm. Hope my use of this agency serves to result in a meaningful reply from TransUnion.
Product: Credit reporting

I first launched a dispute with Experian back on XXXX XXXX, 2015 when I discovered XXXX accounts on my credit that were not manufactured by me. Unfortunately something that I thought would take about 45 days to clear up has gone on for almost 9 months. I really feel like I am being ignored. I was advised to contact you first before I file a federal law suit. 
I am disclaiming the following XXXX entries on my credit and request that they are removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

they barckleys constantley mess up my website costing me time and money and i am sick of it i want fixed and i want my time and money this is a joke
Product: Credit card

on XX/XX/2016 I went into Walmart to purchase XX/XX/XXXX decorations. During checkout the clerk informed me that I could get XXXX % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a XXXX % discount on my purchase, instead of {$50.00} off. Once the purchase was completed {$150.00}, I did not see the XXXX % discount and was told it would show up on my statement. I received my credit card and my name was posted wrong. It listed my last name first, my middle initial was for my first name and my middle name was posted as my last name. I received my statement and received a credit for {$22.00}. I called the customer service center to complain and I was told there was nothing they could do. I informed them that my name was spelled wring and requested assistance to correct it. I was informed to fax a copy of my license to a number and it would be corrected. During the interim, I used the card. On XX/XX/2016 I tried to use my card at XXXX and Walmart and it would not let me complete the transaction. I called Walmart customer service and was told that I was told that the first time I called the representative should have allowed me to select a PIN and that I can not use the card, because the deadline have passed and they would now have to mail me a PIN to use the card. The problem that I have experienced is that I was not disclosed, or disclosed wrong information - otherwise, I would not have applied for the card. I was also put in embarrassing situations without being told that I needed a PIN to use the card. 
Thank you for any help that you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

Paid my bill online in XX/XX/2022 and the funds take two days to come out of my acct, came out in one and I was about XXXX bucks short. I paid the difference and it still went on my credit report as 30 days late. I made arrangements and called the company to set up some hard ship payments and I haven't been late since. Id like that late payment removed if possible. 

This is for my quick silver CC with Capital One.
Product: Mortgage

I called PennyMac to look into a refinance. I was in luck! I was able to refinance from 3.75 to 2.625. All was good. 

I started the process with XXXX XXXX, XXXX. Filled out all initial paperwork and provided all requested documents. 

The issue began on Friday, XX/XX/2021. I was called by XXXX ( PennyMac ), and was asked to pay the {$100.00} fee to get the appraisal and everything started. I gladly provided him my debit card information, and he confirmed the {$100.00} transaction was completed and we were good to go. 

Saturday morning, I was informed by my Wife that we are missing our last {$100.00} in our account, and said I told her that PannyMac was only taking out {$100.00}.

Come to find out, PennyMac made 2 transactions into my account for {$100.00} each.

My account only had {$200.00} to begin with. I was to have {$100.00} left for gas for the week. They took everything I had. 

I emailed XXXX on Sunday as I knew all businesses were closed. I asked him to have it corrected ASAP. 

Today I am filing this complain on Wednesday, XX/XX/2021 as my money has not yet been returned, and my XXXX  XXXX children had to call into work last night as I was not able to pick them up after their shifts. My family is now incurring financial damages due to an error that obviously has no controls or protections around, nor any escalation or resolution procedures. 

As of now, I am sitting with {$1.00} in my bank account and my Wife may not be able to go to work tomorrow either. She is very upset and it is causing emotional distress for her and myself and my children. This has to be stopped so it can never happen to anyone again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has confirmed and processed paid in full medical debt and sent over receipt of payment to credit bureaus to have this debt removed. The credit bureaus are reporting a duplication of this debt ( Reporting twice for {$100.00} ) and has still failed to update and remove from report per creditor instructions. The creditor has confirmed this information was sent to the bureaus to update and remove ASAP.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXXm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2017 Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Trans Union LLC is in violation of XXXX in connection to non-disclosures and reporting my private non public financial information about creditors that are also in violation of the XXXX and the FCRA. 
Trans Union LLC along with the " creditors '' on my consumer reports are infringing on my right to privacy. 
I have also sent this complaint for the violations and non-compliance to the XXXXXXXX XXXX Attorney General.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit card or prepaid card

XXXX XXXX OF ATTORNEY GENERALS OFFICE, BUREAU OF CONSUMER PROTECTION HAS THE DETAILS ON THIS CASE # XXXX. SHE SAID SHE TRIED CONTACTING US & SENDING LETTERS TO US BUT WE NEVER RECIEVED ANYTHING.SOMEBODY IS FULL OF IT, THIS HAS BEEN GONE ON WITH NO NOTICE FOR OVER TWO YRS NOW HER SUPERVISOR TELLS HER ABOUT NOT NOTIFYING US AND SHE SAYS SHE TRIED BUT TO NO AVAIL, SHE SAID BARCLAYS SAYS THEIR WAS NO FRAUD BUT I SAY THERE WAS CAUSE THE CHARGES THAT WERE MADE HAD NO AUTHORIZATION FOR OR EVER DID. THEY WERE FROM MAGAZINE COMPANIES AND INSURANCE COMPANYS AND SHOULDNT HAVE BEEN ALLOWED PLUS BARCLAYS NEVER CHECKED WITH US ABOUT THE CHARGES TO SEE IF VALID OR ANYTHING AND JUST LET IT HAPPEN. MY MOTHER IS XXXX YRS YOUNG AND THEY TOOK ADVANTAGE OF HER. SHE NEVER KNEW WHAT WAS HAPPENING UNTIL I ( HER SON ) SEEN THE EXTRA CHARGES ON HER CARD THAT KEPT GROWING FOR NO EXTRA AUTHORIZED CHARGES TOTAL {$900.00} THIS AMMOUNT WAS UNAUTHORIZED
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 
- 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 card or prepaid card

Ive been a customer with AMEX for almost 5 years. Always made my payments, and have paid my balance in full several times. Amex have gone out of their way to prove to me how much they dont value me as a client. And as much as I hate to say it, I strongly believe the reason for the way theyve treated me as a client is due discriminatory reasons. Let me explain. 

Ive have my Hilton Card since XX/XX/XXXX, my limit has remained the same. Ive requested for an increase several times and AMEX always come up with a reason to reject them. I would work on the decline reasons and reapply at a later time and they still decline my requests. To make matters worst, not only they never increase my limit, in XX/XX/XXXX, ( almost 4 years after being a loyal customer ), they decided to LOWER my credit limit by 80 %. I had to go through a lot of hassle to regain my original credit limit. I had to pay to fax income information, copy of my credit report with my scores ( my scores were over XXXX ), spent hours on the phone dealing with the assigned department. 

Now, as of XX/XX/XXXX, AMEX have completely remove the option for me to request for a limit increase. I can no longer apply for a limit increase. Have I really been that bad of a client to get that kind of treatment? 

We also had a Gold card, which was suppose to be a no preset spending limit card. Well 2 months after having the card, and AFTER AMEX charge us the {$250.00} annual fee, theyve placed a limit on that card too, a lousy {$2000.00} bucks was our credit limit - ON A GOLD CARD! Unfortunately we were never able to remove the {$2000.00} limit cap that was placed on our Gold card because AMEX refuse to acknowledge my personal income because my wife was the primary owner of the card. So we were forced to cancel the card for obvious reasons. 

Its a shame what Amex have come to be. I used to have high regards for Amex, but now its almost disgraceful what theyve become as a company and the way theyve treat their customers. And Ive heard the same feedback from many others.
Product: Debt collection

I have disputed this debt numerous times. I sent I.C. System a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute I.C. System has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to I.C. System : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Credit Control Corp, XXXX XXXX  XXXX, and XXXX XXXX. The Account Opened is Credit Control Corp Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

Citizen one XX/XX/2023 I would like to dispute this this unauthorized inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is JEFFERSON CAPITAL. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why Jefferson Capital is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes JEFFERSON CAPITAL as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with Santander starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. Santander now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... Santander should be sanctioned for reporting incorrect information or remove this derogatory marking from my credit bureaus they report to promptly and why I seek your help
Product: Checking or savings account

On XX/XX/2022, I was notified via text ( time XXXX XXXX  pt ) by the fraud department that a purchase ( XXXX ) of XXXX was made on my account. in which my reply ( XXXX XXXX  pt ) no, at that time a received a reply back at ( XXXX XXXX  Pt ) that time had expired. I then login my mobile app to see and I notice that my savings account had been breached ( XXXX ) and was moved from my saving to my checking account ( XX/XX/XXXX, someday ) where I noticed an unauthorized purchase was made ( XXXX ) I then went to the bank after leaving an appointment ( have proof ) I arrived at the bank when I was told that to call the # on the back of my card, I spoke with the representative told her that my account has been breached and that there was unauthorized movement on my account and purchased. The funds were refunded back into the account a week later the funds were removed from my account again a notified the bank again and then they notified me that a document was signed. That they can't do anything do to that ( unauthorized documentation. I reinsure that this documentation was not authorized by me. ( with evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Servicing LLC is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. Ocwen has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called Ocwen and they are telling me they have zero information on my account. I called XXXX  and the other two credit bureaus and they both are laying the blame on Ocwen. I filed a complaint with XXXX in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what Ocwen has been doing as they have my full late payments listed as far back as XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.