23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. 

The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. 

I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.
Product: Credit card or prepaid card

There was a late payment that showed up incorrectly for my wells fargo credit card in XX/XX/2015. I paid the balance always on time and never any payment from either my wells fargo or other credit card ( I have 10+ credit card ) I made several calls and the bank disagreed to fix the issue. Why should I delay a payment on the a XXXX credit limit card while I always pay on time for my credit card with 30K+ limit
Product: Money transfer, virtual currency, or money service

I am writing for formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite suing Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost finds was impossible and that tracking these transactions wasn't feasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding TransUnion provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If TransUnion is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. 

Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer
Product: Credit card

Date of purchaseXXXX/2023 Amount {$3000.00} Dispute denied because exceeded dispute time frame but service purchased never received.

Merchant disappeared and service never received.
Product: Credit reporting or other personal consumer reports

This account has never belonged to me and was opened by identity theft. 
XXXXXXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card
Product: Mortgage

On XX/XX/2022 I had made a {$100000.00} payment towards my mortgage principal. I had 27 years left on my mortgage. I wanted to do a mortgage recast. When I called later in XXXX I was told I needed to wait a few weeks for my next statement in order to request a recast and I had one year to do so. I waited and had not called until XXXX XXXX being I had one year. They are now telling me there is nothing they can do for me and that I only had until the end of the year in which the payment was made which would have made it XXXX XXXX and its my investors policy. So I was lied to then. Now they are claiming its policy of my investor who my investor XXXX that I DID NOT chose. They are telling my now I need to make another at least {$10000.00} payment plus {$250.00} fee in order enact a recast request. They are telling me to take a home equity loan out for {$10000.00} at 9 % interest rate to pay them so I get a lower payment on my 3 % mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, the MEFA student loans associated with my wifes XX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they XX/XX/XXXX ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX XXXX is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of XXXX plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly. 

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies. 

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies. 

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information. 

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information. 

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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.

all wrong address must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to all three credit bureaus XXXX, Transunion, and XXXX. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.
Product: Credit reporting or other personal consumer reports

I dont recognize these inquiries and have no connection with the listed creditors. Please remove them from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX I made a payment at the store in XXXX California of XXXX, on the XXXX, then on XX/XX/XXXX I received an email stating I owed XXXX, I then called customer service, then said they were sorry for the mistake, after I said I made my XXXX dollar payment that I always make even though my payment was only XXXX, then in XXXX I went on line to pay my bill to verify, and it still said XXXX, I then called again, and they said not to worry it's an error the additional charges were removed, so I paid them the normal XXXX, now in XXXX they say I owe XXXX because of late fees and because my payment changed to XXXX in XXXX which I was never told about, even when I made my XXXX dollar payment in the store, I was not told again that my payment had changed neither on the web or at the store or by mail
Product: Credit reporting or other personal consumer reports

My student loans were recently transferred to a new loan servicing platform, and the prior student loan accounts were not closed or shown as transferred after doing this. This is causing my loans to show up as double on my credit report as shown on both my Experian account and XXXX XXXX journey. Also, after a dispute with Experian about this issue I logged back in to find one of my loans showing a balance of {>= $1,000,000} which is very obviously incorrect and absurd. The correct amount of the loan is {$1000.00}. These issues need to be fixed. It is hurting my credit and debt/income amount which can cause my credit score to decrease drastically and take away my ability to receive future financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance is reporting fees as a late payment in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card ( Mastercard ) with XXXX on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from TransUnion of XXXX. The problem is my credit score with TransUnion was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called XXXX and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX   scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.
Product: Credit card or prepaid card

I have an American Express Everyday Preferred credit card that had an introductory 0 % APR on purchases and an annual fee of {$95.00}. The introductory rate expired XX/XX/XXXX. I was incorrectly charged interest during the introductory period, for the statement that closed on XX/XX/XXXX. 

I was then further charged interest in the statement that closed XX/XX/XXXX, despite paying the Adjusted Balance in full by the due date of the XX/XX/XXXX statement, that payment due date being XX/XX/XXXX. 

I opened a complaint with American Express regarding these matters and received a vague response about trailing interest. The application of trailing interest on this occasion is invalid, as I should never have been charged interest in the XX/XX/XXXX statement, because I was within the introductory rate period. Subsequently, I should not have been charged interest in the XX/XX/XXXX statement, owing to the incorrect charging of interest in the statement prior. 

American Express is inconsistently applying their procedures. For example, I have a Hilton Honors credit card account with American Express. It was subject to an introductory 0 % APR that expired XX/XX/XXXX, the same date the statement was issued. I paid the Adjusted Balance in full by the payment due date on XX/XX/XXXX, and correctly, no interest was charged on the statement that closed XX/XX/XXXX. The analogous circumstances apply in the current case with my Everyday Preferred credit card account, yet interest has been charged. 

I suspect there is a technical issue surrounding the interest treatment of the annual fee. I was also charged interest in XX/XX/XXXX when the annual fee was first charged to my Everyday Preferred account. American Express at the time, rightly acknowledged that interest should not have been charged and corrected the issue. The same should apply now, and I should be refunded interest that was charged in the XXXX and XX/XX/XXXX statements, in line with the practice in the Hilton account in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, Nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late? 
Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX late Payments inaccurate, please delete this history
Product: Debt collection

JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Request for Debt Validation, and original purchase agreement To whom it may concern, I am writing in response to your recent communication regarding the debt you claim I owe XXXX XXXX, I am requesting that you provide me with a validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt, including any interest, fees, or other charges.

2. The name of the original creditor and a statement that you are authorized to collect the debt on their behalf.

3. A copy of the original signed agreement or other documentation that shows I am legally obligated to pay the debt.

4. A detailed payment history showing how the debt balance was calculated, including any adjustments or payments made.

5. Original purchase agreement.

Please be advised that, under the FDCPA, you must cease collection activities until you provide the requested validation. If you fail to provide adequate validation, I will consider this debt invalid and dispute any claims made.

Thank you for your prompt attention to this matter. Please send the requested documentation to my address above. 
Sincerely,
Product: Debt collection

IN REGARDS TO : UNITED REVENUE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. ON XX/XX/2017 A CERTIFIED LETTER WAS SIGNED RECEIVED BY XXXX XXXX FROM USPS. I HAVE NOT GOTTEN A RECEIVED INFORMATION THAT I REQUESTED A DEBT VALIDATION LETTER ASKING FOR PROOF OF THE DEBT THEY CLAIM I OWE AND PAPERWORK BEARING MY SIGNATURE. I HAVE YET TO GET A RESPONSE YET AS ALL THREE ACCOUNTS REPORTING ON MY XXXX REPORT HAVE DIFFERENT ACCOUNT NUMBERS BUT SAME AMOUNT. THEY HAVE NOT FOLLOWED THE ( FDCPA ) RULES AND REGUALTIONS. I KNOW THAT MY RIGHTS ARE TO BE PROTECTED BY THE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. THEY HAVE NOT VALIDATED THAT THE DEBTS BELONG TO ME BUT INSISTED ON BREAKING THE FDCPA RULES OF REPORTING WHILE VALIDATION WAS IN PROCESS THE COLLECTION AGENCY IS NOT ALLOWED TO REPORT TO ANY OF THE 3 MAJOR CREDIT BUREAUS. I AM JUST TRYING TO STRETCH MY RIGHT TO REQUEST VERIFICATION UNDER 15 USC 1692g Sec. 809 ( b ) of the FDCPA.