23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint concerns the XXXX  XXXX charge-off ( Account # XXXX ) that was updated on my TransUnion credit report following an investigation ( File Number : XXXX, Date Issued : XX/XX/year> ). While TransUnion claims that the information was " verified as accurate, '' it merely updated the " Date Updated '' and " Remarks '' without properly addressing the fundamental inaccuracies in the account reporting. I firmly believe this account is being inaccurately reported and that this violates several federal statutes, as detailed below : First, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough and complete investigation of any disputed information. XXXX XXXX has not provided adequate verification to substantiate the reported balance of {$6100.00}, and without proper documentation, the information can not be deemed accurate. Furthermore, the FCRA 15 U.S.C. 1681s-2 ( b ) obligates furnishers of information, like XXXX XXXX, to conduct reasonable investigations and correct or delete any inaccurate information. The charge-off and balance reported must be removed because they have not been properly validated. Second, it is misleading for XXXX XXXX to report a charge-off while continuing to report a balance of {$6100.00}. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits the use of false or deceptive representations in connection with the collection of any debt. Reporting a charge-off while simultaneously listing an outstanding balance without providing evidence to support both is inconsistent and misleading. This misreporting is negatively affecting my credit score and financial standing. Additionally, under the FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. In this case, TransUnions failure to obtain adequate verification from XXXX XXXX has resulted in inaccurate information being reflected on my credit report, which violates this standard of accuracy. Given these violations of the FCRA and FDCPA, I request that this XXXX  XXXX charge-off be removed from my credit report immediately. I also ask for written confirmation of its deletion. Should this issue not be resolved promptly, I am prepared to escalate this matter further and seek all available legal remedies for non-compliance with federal law. 
Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a Vanilla prepaid card in the amount of {XXXX} and {XXXX} for the card to use online while my bank was sending me a new debit card. I was going to use the card for groceries and other items online. When I got home I opened the untampered package to find that the card had been made unusable by scratches on the card number and the XXXX XXXX on back. I immediately called the company and after the hassle of trying to reach customer service they informed me that they would have an investigation into the matter and that I needed to provide photos of all the evidence I had and my ID which I did. I asked how long this would take to which they answered 30 days. It was the only money I had until I received my social security check. They don't care about that and just told me to get the evidence and ID photos to them quickly. When I emailed the photo evidence to them I did not receive any communication back from these ripoffs. And yes I was angry. I emailed them about my case a number of times to which I received no communication. It's getting close to a month now and am still out the money I used to buy and load the the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Shell gas card from Shell/CBNA ( Citibank ) for 18 years until I filed for bankruptcy. When I filed bankruptcy last XXXX, I did not include Shell on my Schedule of Creditors ( attached ). I called Shell beforehand telling them I wanted to keep the card, I paid the little amount of money I owed them, and told them I wanted to keep the card. The card was cancelled, that's their right, but they report the card as " included in bankruptcy '' or " discharged in bankruptcy. '' I did not include them in my list of creditors, paid off my balance, I do not understand. I called Shell in XXXX to reinstate the card, reaffirm the debt ; they performed a hard inquiry on one of my credit reports for that purpose and denied me-which is their right. But i don't believe it's their right to associate their account with my bankruptcy when i paid them and didn't include them in it. 

This action contrasts with XXXXXXXX ( XXXX XXXX ). They were not listed in my Schedule of Creditors, like Shell, yet they closed the account but they are not reporting it whatsoever as a bankruptcy- as it isn't ; as Shell isn't. In fact, I am awaiting a decision from XXXX/XXXX to reinstate the card. I paid them in full like Shell. XXXX XXXX/XXXX did the right thing, Shell didn't. 

Please see the attached excepts from experian pertaining to these two accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding XXXX unauthorized hard inquiries that appear on my credit report. On XX/XX/year> I sent a certified letter to Experian requesting the removal of XXXX hard inquiries associated with XXXX XXXX XXXX and XXXX XXXX XXXX. These inquiries were not authorized by me, and I do not recognize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These personal information does not belongs to me
Product: Mortgage

After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After discovering these fraudulent purchases, I took immediate action by contacting Capital One and filing a fraudulent dispute against the charges. XXXX of the claims, ending in XXXX and totaling {$560.00}, was appropriately approved by your team. However, I was disheartened to learn that another claim, ending in XXXX and amounting to {$1700.00}, was denied. 

I must emphasize that these charges were not made by me and were clearly a result of fraudulent activity. Despite my repeated attempts to communicate this to your representatives over XXXX separate phone calls, the decision on the case ending in XXXX was upheld without proper consideration of the circumstances. 

It is imperative to reiterate that my card was utilized without my authorization, leading to considerable financial distress on my end. I submitted a detailed rebuttal for the disputed claim ending in XXXX, only for it to face an unfortunate denial. 

Given the severity of this situation and the clear indication of fraudulent activity, I urge you to reevaluate the decision on the claim ending in XXXX and take necessary steps to rectify this issue promptly. Your understanding and cooperation in resolving this matter are greatly appreciated. 

I kindly request your immediate attention to this matter and look forward to a swift resolution in restoring the integrity of my account. 

The following fraudulent transactions were denied : XX/XX/XXXX - {$290.00} / XX/XX/XXXX - {$400.00} + {$36.00} / XX/XX/XXXX - {$1000.00}
Product: Checking or savings account

On Monday XX/XX/2021, XXXX XXXX XXXX XXXX, I approached the TD Bank branch at XXXX XXXX XXXX New York, NY. It was approximately XXXX am.There was a XXXX crew working at that corner and there was a XXXX guard inside the ATM area. I was advised to pull my face mask up.There were XXXX ATMs .One of them read, " Out of service ". I made an ATM withdrawal for XXXX dollars on the other XXXX but it did not print out a receipt.When I attempted a balance inquiry the machine kept my card.I spoke to XXXX at TD bank Customer service over the phone later that day and he advised me that TD bank could retrieve my card for me and return it to me When I spoke to XXXX, the Branch XXXX at the site of the occurrence, he would not agree to return my XXXX manifests some of the irregularities that has resulted in my not getting Employment offers, Credit Approval or Acceptable account balances through TD bank.My Account balance has not been restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, Equifax and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XX/XX/XXXX at XXXX, Equifax on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from Equifax and XXXX. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXs ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
Product: Credit card or prepaid card

I purchased a whirlpool cooktop from XXXX XXXX on line and all the parts were not in the box. I called the store that I received the cooktop from and the manager named XXXX told me that it was nothing he could do because I ordered it online. But when I called the XXXX XXXX  toll free number I kept getting put on hold. I spent three hours and made ten different calls to XXXX XXXX to resolve my problem. I never got anyone on the phone that knew what to do. I had to call XXXX to get the parts I needed and pay XXXX for the parts that where not in the box. Also the cook top has a damaged spot on it. As of today no one from XXXX XXXX  have return my call but XXXX at the dispute department at bank of American tells me there is nothing they can do I should take a loss or keep trying to reach XXXX XXXX. Every time I file a dispute with bank of America they always try to get me to drop my dispute. I may charge at least TEN times each month.
Product: Checking or savings account

I called Ally Bank SEVERAL TIMES and made sure that an international incoming wire transfer would not incur any fee by Ally or XXXX ( the intermediate bank as Ally does not have international wire ). As the wire was received, I noticed that {$18.00} was deducted from my wire. I called Ally, spent 27 minutes with the representative plus a supervisor and was told that it was their lack of training and that I should go to XXXX to request a refund. I called Ally again the next day, this time for 57 minutes. At first the representative was telling me that it was another intermediate bank other than XXXX that charged the fee. After I told her that the previous supervisor told me it was XXXX, she then told me, " Yes it was XXXX. Let me transfer you to my supervisor. '' It took a long hold and a different supervisor picked up this time ; simply apologized and not willing to refund the fee in any way even the customer was being reasonable with them. Defintely not a fair trade.
Product: Mortgage

My 2nd settled discharged mortgage is illegally in the hands of XXXX and or Shellpoint Mortgage Servicing. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( New Rez ) LLC, XXXX and Shellpoint. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.
Product: Checking or savings account

Subject : Formal Complaint Regarding Fraudulent Transactions and Unsatisfactory Customer Service Dear HSBC, I trust this letter finds you well. I am writing to formally express my profound concern regarding fraudulent activities that have transpired within my HSBC account, coupled with the inadequate level of customer service experienced throughout the resolution process. 

Between XX/XX/XXXX and XX/XX/XXXX, my account was subjected to fraudulent transactions. Upon reporting the matter to HSBC, I received a partial refund covering the period from XXXX to XXXX. However, it has come to my attention that HSBC 's established policy mandates the inclusion of transactions from both XXXX and XXXX statements in the reimbursement process. 

Despite providing clear documentation elucidating the company 's policy concerning fraud cases, the response from your esteemed customer support team has been less than satisfactory. My repeated attempts to engage via email and direct phone calls have yielded no substantive resolution. Furthermore, my attempt to escalate the matter by lodging a complaint through the Consumer Financial Protection Bureau ( CFPB ) resulted in the premature closure of the ticket without affording me adequate redress. 

For your reference, attached is the full document containing the company policy forwarded to me by your esteemed customer support team. It unequivocally delineates HSBC 's obligation to refund transactions from both the XX/XX/XXXX and XX/XX/XXXX statements. 

However, the reimbursement received only covers the period up to XXXX. The cumulative loss incurred due to this discrepancy amounts to a substantial sum, with fraudulent transactions totaling around {$350.00} from XXXX to XXXX around {$1200.00} from XXXX to XXXX, resulting in a total loss exceeding {$900.00}. 

I wish to underscore my fervent expectation for HSBC to strictly adhere to its stated policies, thereby ensuring the fair and equitable treatment of its valued customers. The persistent closure of complaints and apparent disregard for established procedures by your esteemed customer support team are deeply disconcerting and reflect unfavorably upon the institution 's commitment to customer satisfaction. 

In light of the foregoing, I humbly request your urgent intervention to rectify this matter and expedite the prompt refund of the outstanding amount in accordance with HSBC 's policy. Your immediate attention to this pressing issue would be immensely appreciated, as it is imperative to restore confidence in HSBC 's integrity and unwavering dedication to its esteemed clientele. 

Thank you for your attentiveness to this matter. I eagerly anticipate your prompt response and swift resolution. 

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

reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX XXXX XXXX XXXX XXXX  This is not mine.

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

8. Identity Theft XXXX  Account Number : XXXX  This is not mine.

9. Identity Theft XXXX  Account Number : XXXX* This is not mine.

10. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

12. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

15. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  This is not mine.

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

19. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

20. Identity Theft XXXX  XXXX XXXX XXXX XXXX  This is not mine.

21. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is not mine.

22. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

26. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

27. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX and XXXX ( original creditor : XXXX XXXX XXXX ) Account number : XXXX Account Name : XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX : Account number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : 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 an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Checking or savings account

XXXX XXXX I always go on line to pay my bills at Bank of america. 
that day they were updating website. so as usual I setup up to pay my bills after XXXX XXXX is when my check come in. 
not realizing that as I had set it up something happened. 
I was getting emails of insofiance funds in my account. 
XXXX XXXX Friday. 
so I made the appointment to the bank, and I spoke to Reprehensive at about XXXX XXXX she called accounts transfer in the bank, they could do nothing because they were still transferring from accounts. 
the bank want to know if I still had the credit card from bank. 
I said yes, its at home in draw. wanted me to add the ove drawn on to my card for me to pay for their mastakes. I said Im not paying for your mistakes. 
so Ive set up another appointment for XXXX XXXX to see if they have corrected this problem. 
its been very unsetting. 
XXXX XXXX