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

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Equifax to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The XXXX underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
Equifax : XXXX a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

HSBC offered a {$470.00} bonus when opening a new Premier checking account and making recurring direct deposits totaling at least {$5000.00} for three consecutive months from the second full calendar month after account opening. 

I completed these requirements and received no bonus. I contacted HSBC directly via online messaging and received the following response : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear <redacted> : Thank you for being a valued Premier customer and thank you for contacting HSBC Bank USA, N.A. 

We understand your concern with this situation. 

Upon review, we show the research into your eligibility for the promotion has been completed. We apologize but after review, we show you are not eligible to receive the promotion. The reason for this, is due to your account not being opened through the campaign landing page. 

If you have proof that your account was opened through this page, please reach out to us either via XXXX XXXX or by calling our Premier Customer Service line at XXXX ( internationally at XXXX ) to provide this information. We can then reopen the investigation into your eligibility. 

If you have any further questions or concerns, please don't hesitate to contact us. 

For additional information on the products and services HSBC Bank offers, please visit us at HSBCPREMIERUSA.com HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature www.us.hsbc.com/abc. We look forward to servicing your banking needs! 

Thank you, HSBC Bank Mail Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Really disappointed in HSBC and this shady tactic considering the only way to apply for the offer is to click an Apply Now link directly on the offer page.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : XXXX XXXX XXXX - acct # XXXX - Date opened:XX/XX/XXXX XXXX  XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX Discover Bank- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Vehicle loan or lease

In XXXX of XXXX I refinanced a XXXX XXXX XXXX. I was using XXXX XXXX and had gotten a better rate from Capital One so decided to make the switch. About 6 months ago the car was totaled so we started the process of getting our payout as Capitol One owed us about {$4500.00} due to the car being worth more then our loan amount. I was working with my insurance company ( XXXX ) to get the payout but the day the agent was coming by to give me the check she said there was a problem with the bank, meaning Capitol One. We had a rental but that was limited to 30 days so at the end of that I needed to empty my saving account to buy my wife a car in cash. Come to find out Capital One had never received the perfected title because they failed to submit documents. I have called them every week for these 6 months now to see if there is anything they need to make sure we can get this issue resolved. They are quite incompetent because every time I call the person says they will send and email to the back people to see what the holdup is but nothing ever comes of it and I just end up calling the week after to get the same response. They forgot basic paperwork that is needed to register a car in their name. Once they forgot the Title Application, then they forgot to get the old registration from me before submitting paperwork. They tried getting a release of lien and failed at that so I stepped up and called my old lender to get things sorted. They were able to provide a release of lien but then it was back to Capitol One. Most recently I submitted a document and have been waiting 4 weeks for them to resubmit the document 's to the XXXX but I am always told they are in " review '' even though it is simply an old registration. At this point Capitol One owes me over {$6000.00} as I have still needed to make payments on the car. I am here to try and get them moving because I could really use that money and I feel they are either ignoring my case or are just that bad at their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian & XXXX  on a fraudulent account and provided proof to have it removed, I spoke with the reporting ( bank ) company multiple times who do not report or respond to XXXX  and experian, i was told by the bank they are not and have not been in contact with experian or XXXX who havent contacted them at all. XXXX  and experian are not properly investigating my dispute due to a representatives response saying we have it here saying this is your account so we will not contact them everytime you dispute or give us any proof, have the bank call us and we will take it off other then that we do not have to reinvestigate that statement is totally illegal.
Product: Credit reporting or other personal consumer reports

Why you're reporting incorrect? I always pay on time. Please delete the late payment status in this accounts. It is wrong reporting your violating my right as a consumer. I tried to fixed it so many times. Please update this accounts XXXX XXXX XXXXXXXX. XXXX, XXXX {$8200.00} XXXX - XXXX XXXX XXXX XXXX, XXXX {$34000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me statements for XXXX year. They took over XXXX  days to supply these statements. Did not supply the original contract, dates of origination, statements from the beginning of the contract, and the first delinquency does not match the dates of delinquency on Experian versus the statements they supplied. I have under 15 USC 1681 BE, you must provide maximum accuracy, and Im taking into consideration that the CFPB is suing you as well. I am also requesting full disclosure of XXXX of my profile as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.
Product: Credit card or prepaid card

On XX/XX/2019, I made a purchase of {$250.00} at XXXX XXXX in response to {$50.00} cash back advertised by American Express. But I have not received the cash back yet after dozens of contact with the company.
Product: Checking or savings account

I have previously attempted to resolve this with a complaint through the CFPB. However, the resolution by the bank did not address the whole situation. The initial complaint involved KeyBank 's refusal to allow take over of my deceased mother 's loan and the release of her deposit accounts. The loan issue has been resolved, but I am still fighting to get my mother 's deposit accounts released so that I can settle her estate. 

My mother passed away XX/XX/21. I filed a small estate affidavit with KeyBank on XX/XX/21. The bank sent it to their legal department. I was contacted eventually saying they were sending it to collections. I was then contacted saying that they could not release the deposit accounts because there was a HELOC in my mother 's name also. The HELOC is not secured by the deposit accounts. 

I filed a complaint on XX/XX/21. I finally received a " response '' on XX/XX/21. The response did not indicate that KeyBank would release the deposit accounts to me. I attempted to contact their complaint department to inquire about them, but I could not reach anyone who would talk with me. I was finally able to speak with a person on XX/XX/21. My information was taken and I was told I would receive a call back. On XX/XX/21, I called them back and was able to speak with a person about my issues. I asked about an estimated time frame for resolution, and I was told that she could not provide one. But she promised it would be " less excruciating '' than my other issue and that she would stress the urgency of getting this resolved. I heard nothing back. I eventually called again on XX/XX/21 and I was told by the person who answered the phone that the person working to resolve my issue was " working diligently '' and I would receive a " written response '' as soon as it was taken care of. As of XX/XX/21, I still do not have any answers, no one will speak with me personally to provide answers, nor do I have access to my mother 's deposit accounts to pay her creditors and their mounting late fees and finance charges.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.
Product: Money transfer, virtual currency, or money service

I was defrauded 2 years ago but I can not find the transactions because zelle auto deletes after 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Transunion 's own website at XXXX XXXX XXXX they say, " If youre trying to pay down debt, shooting for under XXXX  % utilization is a good goal, but the lower the better. '' Yet, my XXXX  card debt went from XXXX XXXX XXXX XXXX  % - not even XXXX % - and Transunion took my score from XXXX to XXXX. This is ludricous. Why is the XXXX % suggested as a " good goal '' when they drop your score by nearly XXXX points for utilization of less than XXXX percent?? That's extremely misleading. How is that fair? I'd hate to see what happens to my score if I get to XXXX % utilization. 

It's gotten to the point with the credit reporting agencies that if you spend any amount on your credit card, they drop the score. That didn't used to be the case. That's not exactly motivation to even have a credit card, much less spend XXXX. Regardless, XXXX points is an unfair standard for the amount of utilization. I discovered this score drop from XXXX XXXX XXXX. I have never ever seen my score drop that much from credit use. The other reporting agencies certainly have never done this. This also happens to be my second complaint against Transunion in XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX, and Transunion to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX )XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX XXXX # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on XXXX report and Experian report. 
Experian has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now Experian send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this specific account XXXX XXXX  reports " Settled for less. '' Experian reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX  and Experian needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX 31 min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card XXXX hard inquiries on XX/XX/XXXX, and XX/XX/XXXX, are reported on my experian report. I spoke with a representative at JPMCB, and they recommended I report fraud. They stated they did not have any credit application history in my name. I also credit submitted a fraud dispute with XXXX.