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

HSBC refuses to open a checking account for me ( application id XXXX ) even though I satisfied all the requirements, am a US citizen, with excellent credit record. They don't want to give reasons and keep adding days to a " review '' process. HSBC asked me to disclose dual nationality in the application which I did as I'm an egyptian citizen by birth and latter acquired the US citizenship like millions of Americans, for some reason once HSBC learned of my ancestral background they seem to refuse me an account based on that.
Product: Prepaid card

I was approved for XXXX XXXX  back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. I was in a different state giving birth. Bank of america instantly denied my claim. told me i had XXXX days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and XXXX days later I was told that it was denied. 
I asked to have it reopened sent over the nessecary docutmentions, XXXX day later they denied my claim. Ive provided sufficient documentation regarding this claim. They spilt my XXXX claim into XXXX separate claims and only approved XXXX claim. Which makes no sense to me being that it was XXXX claim and I filed it as XXXX claim. 
Ive called several times and sent documents in on multiple occasions and they still denied my claim even with me showing proof that I wasnt even in the same state for weeks. 
I feel as if they instantly denied my claim without actually doing any investigating.
Product: Checking or savings account

An unauthorized charge from XXXX on XX/XX/XXXX caused my WF checking account to inadeqate funds for the payment of multiple scheduled payments within days of the payment this unauthorized charge. I did not expect this deduction from my WF checking account and by the time I was aware of the " problem '' multiple payment requests from scheduled auto-pays had been requested ( payment ). Although I contacted Wells Fargo multiple times request that the overdraft fees be removed and refunded to my account. The first agent I spoke to did credit my account for the XXXX transaction and for the first OD fee. Multiple OD fees were charged and often the WF fees was far in excess of the payment requests /payments. Although WF website had information that up to 3 OD fees could be reversed, the 2nd agent I spoke to refused to reverse the numerous OD fees and advised that the WF policy only allowed reversal of ONE OD fee. The numerous OD fees created a balance that meant I would be unable to make multiple scheduled payments AND these numerous fees also caused me to have inadequate funds to buy/pickup XXXX XXXX and w/out XXXX? I needed to go to Hospital XXXX. The OD fees since the XXXX fraudulent charge have totalled over {$1200.00}. I feel WF was unreasonable re : reversal of these fees considering thw circumstances.
Product: Debt collection

On XX/XX/year>, I was presented with a timeshare subscription offer in XXXX. My husband paid an amount of {$1500.00} USD as part of the agreement, but neither I nor my partner authorized any charges to be made in the United States. My partner, XXXX XXXX, was present that day. 

Despite this, the company has placed this account in collections in the United States, even though we never agreed to accept this debt under U.S. jurisdiction. No services from the subscription have ever been used, and we did not authorize any additional charges beyond what was paid at the time of signing in XXXX. 

Actions Taken : XXXX. We clarified that no authorization was given to process this debt in the United States. 
XXXX. We attempted to resolve the issue with the company directly to prevent the matter from escalating to collections. 

This situation has affected both my credit and that of my partner due to unauthorized actions by the company in a different jurisdiction.
Product: Checking or savings account

So basically its been XXXX months Ive been going through this with this company so I made a XXXX  complaint regarding the situation netspend responds right away once I sent in the complaint stating they reviewed my account and reversed all the fraudulent transactions but since the account is closed theyll be sending me a check for {$2800.00} which Ill be uploading for proof. But they claimed they sent me a check and I should receive it within 10 business days so on the XXXX business day I contacted the guy who have been responding right away within a hour literally up until the XXXX day so I emailed him to let him know hey its been XXXX business days and I still havent received my check he responds right away ask for my address to confirm he has the right address and says Ill be reissuing the check with a tracking number to make sure u received it this time and itll be expedited that was last week Ive been calling and emailing since last XXXX  no respond at all I feel like they lied to persuade me to change my bbb complaint with false allegations claiming they sent me a check they really never sent I want everyone to know about this company and theyre games
Product: Credit card or prepaid card

I received a promotional offer encouraging me to shift spending to my XXXX XXXX XXXX  from Barclay 's. Terms of the offer were : ================================================================== Use your XXXX XXXX XXXX to earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$100.00} in XXXX Cash each month from XX/XX/2021 to XX/XX/2021. 

This offer is valid for select cardmembers and is not transferable. If your account is closed or you switch to another product during the promotional period, you may no longer be eligible for this promotion. If you receive this offer and enroll by XX/XX/2021, you will earn an additional XXXX XXXX in XXXX XXXX for every {$1.00} spent on grocery store, drug store and restaurant purchases, less credits, returns and adjustments ( " Net Purchases '' ) with transaction dates between XX/XX/2021 and XX/XX/2021 up to {$100.00} in XXXX XXXX each month of the promotion. Purchases in the specified reward categories must be submitted by merchants using the corresponding XXXX XXXX XXXX ( " MCCs '' ) in order to earn additional XXXX XXXX. MCCs are categories used by merchants based on the goods and services they sell. Barclays uses the MCCs when creating the reward categories, however, we have no control over how merchants choose to be categorized, and as a result, some purchases may not fall into the expected category and will not qualify to earn additional XXXX XXXX. Additional XXXX XXXX may not be earned if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to pay for the purchase. Additionally, purchases made through third parties, including online marketplaces and resellers, or using a third-party payment account, will not earn additional XXXX XXXX. Failure to maintain your creditworthiness during the offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To receive the additional XXXX XXXX in XXXX XXXX, your account must be open and in good standing at the time of fulfillment. All additional XXXX XXXX earned will appear on your statement XXXX weeks after the end of the promotion. 

================================================================== I received an email from Barclay 's confirming my enrollment in this promotional offer on XX/XX/2021 ( though I believe that I enrolled on XX/XX/2021 ). 

To take advantage of this offer, I shifted my spending habits from other rewards credit card to my Uber Credit Card. I believe that I spent at or above the maximum eligible purchase amount. 

I have not received any credit for XXXX XXXX on my credit card, as promised by the promotional offer. 

I have opened XXXX customer service complaints directly with Barclay 's, both of which have been closed without resolution.
Product: Credit reporting or other personal consumer reports

This dispute concerns several accounts with false information, specifically discrepancies in the " Date of Last Activity '' and " Closed Dates '' on closed and charged-off accounts, AS WELL AS reporting late payments on " Charged off '' accounts. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2. The conflicting dates and transaction history shows that FALSE information was KNOWINGLY given to XXXX, XXXX, and Equifax and should be removed immediately. 

FCRA 15 USC 1681s-2 a ( 1 ) ( A ), consumer reporting agencies, ( including XXXX, XXXX, and Equifax ) have a duty to report accurate information. It has come to my attention that this duty has not been fulfilled. 

Furthermore, FCRA 15 USC 1681s-2 a ( 1 ) ( B ) states that once a consumer disputes the accuracy of information, the consumer reporting agency has an obligation to investigate and correct any errors. Despite my repeated attempts to dispute and correct the inaccurate information on my consumer report, your agency has failed to take the necessary steps to rectify these errors.

FCRA 15 USC 1681s-2 a ( 2 ), which emphasizes the duty of consumer reporting agencies to correct and update information promptly. In this regard, your agency is in direct violation of this provision by persistently failing to correct the false information on my consumer report. 

These ongoing violations have caused me significant distress and anxiety, adversely affecting my ability to obtain credit, housing, and a better quality of living for my family and me. 



" Date of Last Activity '' and " Closed '' dates are incorrect XXXX XXXX Equifax XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments XXXX XXXX XXXX XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by XXXX and XXXX, charge off reported with late payment XXXX XXXX XXXX  XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by XXXX and XXXX, charge off reported with late payment XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$13000.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Deleted XX/XX/XXXX XXXX Closed XX/XX/XXXX Deleted XX/XX/XXXX Deleted from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Deleted XXXX Closed XX/XX/XXXX XX/XX/XXXX Deleted Previously disputed and deleted account, but XXXX and XXXX re-entered under different name with false dates reporting XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments on XXXX report XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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: Debt collection

I have disputed a debt with XXXX  5 times with a response that the account being reported on credit report has been verified and is accurate. I called XXXX today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called XXXX back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to XXXX and XXXX  and the company provided asking to be provided with viable evidence this is my account but I get nothing but an XXXX   agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that XXXX hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is Paramount Recovery System with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
Product: Credit reporting

There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in XXXX Dept of ED/XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
Product: Checking or savings account

On XX/XX/XXXX my US bank checking account was restricted after I received a XXXX loan from XXXX XXXX and I withdrew XXXX. I was told I would receive a cashier 's check within 60 days after account was closed. On XX/XX/XXXX I called and was told that the check was already in the mail and if I don't get by Friday call back. I called back on XX/XX/XXXX and discovered that was a lie when rep told me a check was never mailed out. Then a senior relationship manager told me that the funds were returned to the originator which was the second lie. I called XXXX XXXX and they said they never received any funds and for me to call back and get the check info US bank supposedly sent. After that call the US bank retail branch called me and said he actually had the funds in a general ledger and if I wasn't going to come to branch I would have to call US Bank XXXX to get a check issued. When I called they opened up a customer care unit request and I was told they would resolve within 3 business days but I never got a response. Then on XX/XX/2022 I called again and was told they refuse to send me my cashiers check unless I come to branch or do a virtual meeting. Even as I've received letters from the branch at the address on file saying a cashier 's check would be sent upon positive balance closure US branch continues to violate my rights and is withholding funds I have to pay back with interest to XXXX XXXX. Please have them mail my cashier check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has advertised to me that they could fix my credit for me and I have found out that is not true. They have violated 15 usc 1679b ( b ) by requesting payment before the service were fully performed. XX/XX/2021 I applied for the company to help. {$100.00} was due on XX/XX/2021 after a {$19.00} discount was applied. Later ( XXXX XXXX ) on a {$55.00} discount was applied that brought the payment down to {$74.00} and was due on the previous date. XXXX XXXX, & XXXX a group of letters were sent out on my behalf from the companies in an attempt to repair my credit. I was charged for the service on XX/XX/2021 but I wasnt notified that a few items were removed from my report until XX/XX/2021. They were only 2 items and the service was not fully complete. But I was still charged, and that is a consumer violation. Pursuant to 15 usc 1679g anyone who violates is civilly liable for the damages. Because of this violation and their failures to follow federal law, I still am unable to use my credit, unable to finance vehicles or even obtain money from banks because I was led to believe that they would help improve my credit score.
Product: Credit reporting or other personal consumer reports

A credit collection XXXX XXXX XXXX  a company that bought a sold account and a 1099-C was filled with XXXX balance and then placed back on my XXXX account with a new balance that is against the law. I have called and sent letters to remove this inaccurate information. They have refused to remove the inaccurate information. XXXX has a habit of reporting and leaking incorrect information and not updating your account correctly
Product: Credit card or prepaid card

I applied for a Citi Best Buy credit card back in XX/XX/XXXX and I was told that I have to go to a store with a picture ID and a credit card that I had open for a year and I show it to a store manager and I was approved with XXXX credit limit and my card was mailed .... and I access the website bestbuy.com.. and my card was canceled/shutdown for possible fraud and I havent use the card and never received it ... now I dont have patience for mails and I was told I failed the verification and I have to wait for a letter to be send to me in 7-10 days and Im considering closing this account if this keeps up ... I have a life and I need to work not sit around waiting for a letter to show up
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I bought a truck in XX/XX/XXXX, paid all my payments on time to wells fargo dealer services ( wfds/wds ) except for the last few months. I was late and contacted the company to ask how much the payoff amount is so that I can pay it when I got my income tax. They told me the amount over the phone. Sent me a final bill with that amount and I sent a check. Once they cashed the check they then sent me my pink slip on XXXX/XXXX/XXXX. I thought I was done with them after that until I went to apply for a home loan and was confronted about a charge off that I still owed {$290.00} to wfds. This is when I contacted wells fargo about it and they said that they will not remove that from my credit report. I then filed a dispute with the credit reporting agency and neither the agency or wells fargo would correct the report on my credit. I am now seeking your help to have this removed from my credit as I have paid my truck off. I have paid them the amount they requested and then received my pink slip. I can not get a hold of anyone every time I call the number listed on my credit report for wells fargo three different occasions. I have been transferred to over XXXX people each time that say they ca n't help me and each time I call, wells fargo uses this opportunity to update my credit report with this negative charge off with a remaining balance leaving it so that it never falls off my credit report. They are being fraudulent by falsely reporting this on my credit report as it is paid in full. They are also falsely reporting a balance when their should be no balance as I paid them in full and that was the only way they were going to send me my pink slip to my truck. They have recently reported on XX/XX/XXXX that my truck is in repo status. They are also not reporting the original date it was paid in full which is XX/XX/XXXX. They have ruined my credit and have caused me extreme emotional distress as I can not obtain a car loan or home loan because of their false report. They need to let go of their tight grip on me. I paid them. I am requesting that they remove this from my credit completely or at least change it from charge off to paid with {$0.00} remaining balance with the original date it was paid XX/XX/XXXX. This company needs to be extensively investigated because I know I am not the only one they are doing this too. They ruining people 's lives. Lien holders do n't release pinkslips with a remaining balance.
Product: Credit card

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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