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

Credit Card Company : HSBC, U.S. 
Their address : XXXX XXXX  XXXX, XXXX XXXX XXXX I've advised HSBC U.S. about a charge processed on my consumer credit card on XX/XX/18 in the amount of {$44.00}. This transaction, according to records, occurred on a gas station in XXXX XXXX. 
When i saw this transaction posted I immediately contacted HSBC and told them that such transaction had not been originated by me, and i confirmed to them that the card had been always in my possession. 
At the time of me reporting this I was in XXXX XXXX using the card, and, as you will be able to see on the documentation attached, previous to that i was in XXXX, XXXX  ( where i reside ) and in XXXX, XXXX ( for work ). 
I was in XXXX ( in early XX/XX/XXXX ) but always in XXXX 's vicinity, nowhere near XXXX XXXX ( which i have never visited ). 
HSBC declined the dispute based in my " spending pattern '', would like for them to detail how many more transactions they see coming from XXXX XXXX  for them to support their assessment. 
I'm extremely displeased with their decision that's why im pursuing this matter through you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : LVNV Funding Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX  Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment NONE of these inquiries resulted in any of the above outcomes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On numerous occasions, I have expressed to Experian of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. Experian does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave Experian my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit card

On XX/XX/year>, I went to XXXX XXXX and made a purchase of {$240.00}. When checking out, the cashier stated that if i would apply for a credit card, i would get XXXX % off, which equated to between $ XXXX {$100.00} off of the purchase. I usually decline because i don't particularly care for hits on my XXXX XXXX. At this time, i accepted knowing that my XXXX XXXX is in the mid XXXX 's and that i would surely get approved. The cashier then states that i was declined so i wouldn't get the discount and that XXXX XXXX would review it and likely send me an approved card or a denial. Shocked, I thought well something isn't right. After I left and went met with friends and family, they too said the same thing happened to them and we all collectively felt like this was a way to get people to apply without giving them their discounts. Sure enough, within a week, i received the XXXX XXXX card with a {$9000.00} credit limit. I'm certainly thinking about a class action lawsuit that should be filed. They are getting away with this and this is false advertisement and a scam.
Product: Payday loan, title loan, or personal loan

I took out the loan with advance financial in XXXX. I have only ever withdrawn {$700.00}. since then I have paid triple that amount back to Advance Financial. I have spoken to a representative twice and written three emails and a fax to stop the ACH and debit card withdrawals. They are still taking money out of my account just as recent at Wednesday. I spoke with another representative today who told me they sent another email to request to revoke the ACH and debit withdrawals. So far they have taken over {$840.00} out of my account WITHOUT my authorization. In XX/XX/XXXX the Attorney General brought a lawsuit against this company. See below. 

" XXXX XXXX XX/XX/XXXX XXXX Attorney General XXXX XXXX XXXX today announced that his office has reached a settlement with a Nashville-based open-end credit plan internet lender, XXXX XXXX, XXXX d/b/a Advance Financial 24/7 ( Advance Financial ). Advance Financial has agreed, as part of the settlement, to provide restitution to approximately XXXX consumers as a result of the companys alleged violations of the Virginia Consumer Protection Act ( VCPA ). Under the terms of the settlement, over {$1.00} million in total relief will be provided to approximately 1,500 Virginia consumers. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

I have a {$500.00} prepaid Amex that can't be used anywhere despite there ads that it can be used anywhere Amex is accepted.The website for Amex shows the full available balance but it continues to be declined for amounts well below the balance. I called customer service, and it is a recording for declined online transactions to try another site that uses the cvv then it disconnects. I tried multiple sites with the cvv and still declined. I finally spoke to a representative after multiple calls and multiple attempts to find what button would get me an actual person, and they gave scripted responses that were same as recordings. I asked if it is because the zip code and they said if the site requires that it could be the issue because they can't update that. She said they increased security and to try other sites and said that i could use XXXX pay since she showed it connected, so I tried XXXX XXXX  ... and it declined as well. A lot of good it does to have security against fraud, if I can't even access my funds! I've used prepaid cards on all of these sites before with no issues, but i can't use this Amex card at all. The customer service is clearly designed to do nothing so I stop calling. I feel scammed by Amex, I'm out money and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, XXXX, XXXX And EXPERIAN Are Not Recording My Credit Report Accurately. They Insist On, Sticking Their Noses, In My Personal Finances. They Can't Wait To Put Negative Information On My Credit Report, To Lower It. If I Charge {$10.00}, The Next Day, My Credit Report Is Lowered. When I Pay Off {$1000.00} On A Credit Card, They Ignore It. Is This A XXXX, Discrimination Or The XXXX XXXX Issue?
Product: Debt collection

XXXX XXXX XXXX - Portfolio Recovery Associates , LLC is harassing me and violating my privacy at my place of residence via a third-party courier acting on their behalf. The courier is seen on my XXXX video yelling my name loudly and repeatedly on my walkway, driveway, and in the street for the public and neighbors to see and hear. This falls under Public Disclosure of Debt : Yelling out my name repeatedly in a public setting, especially in a way that could alert neighbors to my financial situation, can be seen as an attempt to publicly shame or embarrass me. This could be a violation of the FDCPA, which prohibits debt collectors from disclosing debt to third parties ( like neighbors ). Invasion of Privacy : The behavior of the courier invading my private space ( my driveway, and walkway ) and creating a disturbance can be construed as an invasion of my privacy, particularly if it causes distress or embarrassment, which it did. Harassment and Abuse : The repeated shouting can be seen as an attempt to intimidate, annoy, or harass me, which is prohibited under the FDCPA
Product: Mortgage

I applied for mortgage services with Wells Fargo bank. I worked on my credit score to bring it to the standard or a FHA loan. I submitted my application with all of my backup documentation and was told that my preliminary score qualified mean or conventional mortgage, but not an FHA loan. I submitted my bank statements and paperwork required to proceed with my loan. However my loan was then declined stating that my credit score did not meet qualifications. When I submitted my application initially my credit score was XXXX XXXX and XXXX respectively. However when they ran my credit the second time about a month later the scores had dropped due to the inquiries made when the bank pulled my credit for mortgage. I was told that my scores were too low. I've been submitted disputes with the credit reporting bureaus to raise my scores and get everything corrected. Although the disputes are still a work in progress my scores still qualified me for a mortgage. Then I was told that my scores weren't the problem it was lack of finances in the bank. At the time I had over {$10000.00} in Wells Fargo so I don't understand what they were talking about. I feel that Wells Fargo is using discriminatory practices because I am a single XXXX female and refusing to follow through with a qualified candidate for financing for a home.
Product: Checking or savings account

In 2013 I opened a checking account with Wells Fargo Bank and they froze my account that time. So I literally had no money in pocket left. The same year I closed and account with them. I dont remember if they charged me any fees
Product: Credit card or prepaid card

Debt Collector, AMERICAN EXPRESS closed my credit card due to non payment of an alleged debt. As a consumer, credit was extended to me through the use of my social security number that is linked to an account attached to the strawman XXXX XXXX that was issued to my parents at my birth. AMERICAN EXPRESS can not issue credit as banks do not have the power to do so. This credit transaction is already being paid for through my account at the treasury thus, I have open ended credit. Since this was a consumer credit transaction I should have received the proper disclosure form for rescission under the Truth In Lending Act in which AMERICAN EXPRESS did not disclose to me. That is a violation of 15 USC 1635. I also disputed this alleged debt and since it was in dispute AMERICAN EXPRESS was to return to me all payments that I have made to them in which they did not which violated 15 USC 1692h in the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I was nearly killed in a car accident caused by an XXXX driver who made an illegal turn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX for almost a year after the XXXX  XXXX  for a month. Im waiting for my XXXX  XXXX, Im still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc etc etc etc.. I was in no position to deal with bills & Im still not. 
I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.
Product: Credit reporting or other personal consumer reports

I have made several requests to have the negative accounts on my report to be reviewed. XXXX, Equifax, and XXXX is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. 1681 ( b ) says I have the right to dispute any inaccurate information on my report. XXXX XXXX  is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, A LESS THAN RESPECTSBLE COLLECTION AGENCY HAS BATTERED AND BARRAGED ME RAGRDING A DEBT I DO NOT OWE AND HAVE LISTED BOTH IN A REPORT TO THE FTC AND A REPORT TO THE CREDIT COMPANIES THAT THAT ACCOUNT WAS RIDDLED WITH UNATHORIZED CHARGES AND SHOULD BE CREDITED AS XXXX. IT IS PART OF AN ID THEFT CASE GOWING AS FAR BACK AS 2018. THIS IS SIMPLY XXXX AND A VIOLATION OF THE FAIR DEBT COLLECTION ACT AND FCRA. 

IN ADDITION THEY CONTINUE TO DISPLAY XXXX A PROGRESSIVE INSURANCE COMPANY FOR {$400.00} THAT HAS THE SAME ORIGIN. BOTH HAVE BEEN REPRTEDTO THE FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 incorrect.