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

My small business debit card with Bank of America. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Bank of America Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for " extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said " it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to me.
Product: Consumer Loan

In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA '' is and if they are not affiliated with the dealership, how did they become involved in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over 8 thousand. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reported on my Credit Report and needs to delete immediately : Wrong Address XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a XXXX XXXX XXXX through XXXX XXXX  and got denied instantly. I called XXXX XXXX  they said I was Denied because they could not identify me through the credit bureau Transunion. They told me to call Transunion. I called Transunion and they had my address wrong my middle name spelled incorrectly and my phone number wrong. I told them I was denied credit because of your wrong information. They said we do not decide whether you get credit or not call XXXX XXXX. XXXX XXXX  told me we just approve or denied based on what Transunion tells us. Attached is the letter I got from XXXX XXXX. I wanted the Hard Inquiry off my Transunion report since they had the wrong information. Transunion said they can't take it off call XXXX XXXX. XXXX XXXX  says they won't take it off it is a Transunion issue tell them to take it off. I want it off my report and each one is telling my it is there responsibility to take it off. I want it off my report.
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX Funding. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hired Lexington law to help fix definitive errors on my credit report n they just keep taking $ without permission or consent of any kind
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSWORLD SYSTEMS INC used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice before I pursue litigation against the consumer reporting agencies for multiple violations of my federal protected consumer rights. Please find attached the proof of claim that transactions and experiences were reported on my consumer report which is a violation because pursuant to 15 USC 1681a ( d ) 2 ( a ) ( i ) they are excluded from the report, subject to section 1681s-3. Despite multiple letters and disputes, the CRA 's continue to commit identity theft and fraud under federal law and fail to block the identified transactions pursuant 15 USC 1681c-2 ( a ). The unverifiable items listed on my consumer file are in complete violation because I never gave written consent which violates permissible purpose of consumer reports pursuant 15 USC 1681b ; And the fact that the furnished inaccurate accounts still remains on my consumer file violates 15 USC 1681e ( b ). The continued willful and negligent noncompliance has escalated my pursuit for justice and entitled declaratory relief sought from a higher court pursuant 15 USC 1681n and 15 USC 1681o. Again, the multiple violations that has occurred prompts me to exercise my right under the FCRA to XXXX out of reporting on my report. 
Please see attached supporting documents
Product: Checking or savings account

HSBC Bank USA, N.A. had a " Get {$350.00} with this exclusive offer. A special invitation for HSBC Advance. I would receive {$350.00} by depositing a minimum balance of {$10000.00} and maintain at least the qualifying minimum balance for 90-calendar days. For example, I open a HSBC ADVANCE CHECKING account on XX/XX/XXXX. By XX/XX/XXXX, I should receive a {$350.00} Welcome Deposit into my new HSBC Advance Checking Account approximately eight ( 8 ) weeks after completing the requirements.

Opened account with XXXX XXXX XXXX, Personal Banker at HSBC Bank USA, N.A., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX  [ XXXX / XXXX ] on XX/XX/XXXX after XXXX XXXX assured me that I QUALIFIED for the {$350.00} bonus welcome interest.

XX/XX/XXXX : I emailed XXXX XXXX, XXXX Branch Service Manager at XXXX regarding the failure of XXXX to deposit the {$350.00} onto my checking account.

XX/XX/XXXX : XXXX XXXX wrote me back to inform me that she is reaching out to the marketing team.

XX/XX/XXXX : XXXX XXXX said that she was informed that I had a previous HSBC account, thus did not qualify for the {$350.00} promotion.

I DO NOT HAVE ANY PRIOR HSBC ACCOUNTS.

XX/XX/XXXX : I wrote a letter to Mr. XXXX XXXX XXXX, Chief Executive Officer and President of HSBC North America Holdings , Inc., HSBC Bank USA, N.A. and HSBC USA Inc. at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXXXX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she will look into the matter and will contact me.

XX/XX/XXXX : I emailed both XXXX XXXX, Manager of Customer Relations AND XXXX XXXX, XXXX Branch Service Manager for a written explanation on why HSBC failed to deposit {$350.00} onto my checking account.

XX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she is continuing her investigation and will contact me.

XX/XX/XXXX : I wrote XXXX XXXX, Manager of Customer Relations a letter regarding HSBC Bank USA, N.A. failure to honor its contractual obligations.

As of this date, XX/XX/XXXX, no requested information as to the denial of the {$350.00} and failure to follow its own contractual protocol- We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.
Product: Debt collection

Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out. 

At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau. 

I had not seen the bill before and I was not in a position to pay the full amount in a short period of time. 

In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through. 

I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time. 

In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors. 

I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights.
Product: Credit card or prepaid card

They are charging me XXXX interest on a XXXX balance without any notice. They are charging deferred interest on the entire balance since XXXX even tho the balance was already paid partially off. only XXXX should be charged interested they are charging interested on 30 months of the entire purchase from XXXX to now even tho some payments were made. They also said there was no way to apply to older promotion balances only online unless we call every payment and tell them to apply it to older promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I am processing disputes on my credit report to delete a remove all inaccurate accounts that do not belong to me. none of the accounts reported are following the fcra rules. I am a victim of identity theft and is have non knowledge of the accounts reported. please review an remove the listed accounts on my credit report to clear my file asap.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX Dear Sir or Madam, This message is in reference to errors and inaccurate information on my credit report. Please send me a copy of the investigation that was conducted. 

I don't believe an investigation was done for what Iam disputing. I applied for an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX. ( Only 2 Should be on my credit report. ) I did not apply for auto loans or requests from other institutions. 

Nevertheless, As per XXXX website and the Consumer Financial Protection Bureau, See Auto Loans. Make no mistake, " Lenders can make requests, also know as inquiries to access your credit files. These requests will only count as a single inquiry if they were made within 14 to 45 days. Please remove the errors below, I will govern myself according. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm trying to submit a payment online and I'm deliberately getting locked out so I can not submit the payment on time which will cause interest and fees without speedy support from US Bank. This has been open since XX/XX/2018. Today XX/XX/2018, I'm told to wait for a PIN to be mailed to my house. What's the point of making me waste so much time? I'm not paying any late fees nor interest. If I can not access the account, I'll consider the account paid off. 

I'm not receiving the texts, I'm not given the option to receive email codes like all other banks do which I have accounts ( XXXX, XXXX, XXXX, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it on the news. Especially when this is a company that I did not choose to do business with. They should be held to higher standards.
Product: Mortgage

BSI slow walked my modification to the point where it took 1 year to complete. During this time frame they reported me to the credit bureau and more than 6 months behind, 180 days behind, 90 behind. You have the records that show I have paid every month. 

They also need to redo my Tax form which is a falsified document that does no have the correct amounts on it. I don't need the IRS on me as well and this org stealing my money.
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES I have unauthorized inquiries made on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have an unauthorized inquiry on the date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX  charge me XXXX for something thats I dont even know whats for when I paid all my rent before I left and still aint get not security deposit yet.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. It is noteworthy that both XXXX and XXXX have already purged this account from their records after identifying and correcting an error. I am puzzled by the continuation of verification for this account by your bureau when other agencies have already eliminated them. I urge you to expunge this account from my file, as this is inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove this fraudulent account from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete this fraudulent account promptly, as they are the result of identity theft. 

XXXXXXXX XXXX XXXX XXXXXXXX.