23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

HSBC is very difficult, if not impossible, to do business with. It takes a minimum of 1 hour to even begin getting an issue resolved first of all. I have spent a minimum of 6 plus hours just waiting to talk to someone. Bounced from one agent to another, and even one agent admitted I am not the only consumer with similar issues I have been having with  them ever since I began doing business with them. They also froze my account because they decided they wanted my ID and proof of address after using the card. I provided that, and then it still wasn't enough. I am not able to get information on my account, get statements, and was told I could pay it off without signs of any statements or proof of transactions, but why should I take their word for it when I can not see for myself? I can not even look into transactions or get a statement because they refuse to release the hold off my account, and told me " I should obey '' and do what is asked, after I already sent them supporting documents proving who I am! Never had I had this kind of trouble, and I am afraid they will ruin the good credit scores I have worked so hard for because of their nonsense!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SPOKEN NUMOROUS TIMES WITH EXPERIAN ABOUT THE ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX BEING INCORRECT AND THE SIX ACCOUNTS REPORTING THIS ADDRESS. I HAVE NEVER LIVED AT THIS ADDRESS NOR ANYWHERE NEAR IT. WHEN I MOVED FROM XXXX TO XXXX I PURCHASED MY HOME LOCATED AT XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. THIS INFORMATION HAS BEEN REPORTING ON MY CREDIT REPORT FOR SOME TIME NOW AND ALTHOUGH THEY HAVE BEEN TOLD THIS THEY REFUSE TO REMOVE THE ADDRESS NAD THE CREDITOR ACCOUNTS ATTACHED TO IT. THEY SAY THEY CAN NOT REMOVE IT. MIND YOU BOTH XXXX AND XXXX HAVE REMOVED THIS ADDRESS AS THEY HAVE FOUND IT TO BE FRAUDULANT. I HAVE EVEN FILED A REPORT WITH THE FEDERAL TRADE COMMISSION ABOUT THIS ADDRESS AND EXPERIAN WAS ALSO GIVEN THAT REPORT NUMBER TO CONFIRM MY REPORT FILED YET THEY CONTINUE TO REPORT FRADULANT INFORMATION.
Product: Money transfer, virtual currency, or money service

XX/XX/22 I answered suspicious email and immediately phoned Coinbase to see if it was legitimate. I was told no. I asked if account could be shut down and was told it was unnecessary as the lady was monitoring it. I have detailed records of timing of calls and names of people I spoke to. After a lengthy chat i was told all was fine. I hung up and half of my approximately {$120000.00} account was missing. I called back and hit shut down protucol. I spoke with a person and was told the account was shut down. After another lengthy chat, I looked and the remaining funds were gone. I was later told by coinbase that the account was never shut down even though my requests and calls were recorded. I have documented this several times for Coinbase. 9 months have gone by and only generic responses. I was told 3 months max response time. I have coinbase records proving time and length of calls and the multiple withdrawls made by the scammer. It is apparent to me that Coinbase fears no regulatory agency and that they think themselves a law unto them selves Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

RECEIVABLES PERFORMANCE is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card

I called capital one ( XXXX ) to ask for assistance on lowering the interest rate or if they could waive some of the interest assessed on the card. They stated that the interest could not be lowered by request. I asked if any interest charges could be waived and they said no. I asked if an audit could be conducted to make sure the interest was being assessed properly and they stated no. All I've ever heard from this company is no. Anything I ask for the answer is always no. Capital one and the way they handle their processes is extremely unfair to the customer. I will also mention I had this phone call escalated to XXXX who was introduced to me by the previous reprentative as a manager. When in fact he introduced himself as my account manager. He stated the call could not escalate past him. Meaning no one else to speak to. He stated that I may not like the answers to my questions but that is just how capital one handles these matters. The customer must not matter. That is how I was left feeling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove a hard inquiry on my credit report! Sync-Amazon credit card company! This is a fairly new company! I didnt ask for no credit card through this company! I dont understand why this company is allowed to put a hard inquiry on peoples credit during a pandemic!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.
Product: Debt collection

I got a phone call from some one saying thay could help me with my bad credit so I listened and that had me pay like XXXX or so thay cond me in to something I didn't understand when I was like XXXX now that are saying I owe like XXXX which is ridiculous and they constantly call me and harass me
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently used my information snd/ or the misleading information derived from Equifax breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
Product: Credit card or prepaid card

I called to find out why I have not received my new card after expiration date. 

I was told my account was closed for 12 consecutive months of inactivity. 

I told them I just charged a total of {$970.00} for the months of XXXX and XXXX and the card is now paid off. 

Card I have was valid through XX/XX/2018. 

They said it is an auto generated account closing process and they will do nothing other than tell me to re-apply.
Product: Checking or savings account

On XX/XX/XXXX a checking account was opened fraudulently in my name with Bank of America. This is the second time a fraudulent account has been opening in my name with Bank of America. The first time occurred in XXXX of XXXX. This recent account was opened with the same old address and same old email associated with me as the first account. I took every measure possible to prevent this second attempt from occurring : locked my credit reports, froze my information with XXXX, filled a complaint with the FTC, starting paying for identity theft monitoring, closed down my social media accounts, deleted old unused email addresses : absolutely everything I could think of that was allowing someone access to my information. When this occurred in XXXX of XXXX, Bank of America assured me over and over that an alert had been placed on my information and that any further applications with that information would be flagged for further review. Then comes XX/XX/XXXX. I get an email saying another account has been opened in my name! The perpetrators used the same old email and the same old address as the first time! How is this possible? How can Bank of America allow this to happen again with the exact same information and under the exact same circumstances? How was an account approved with my SSN when everything tied to my SSN is locked? Credit reports are locked and information with XXXX is locked, so how are bank accounts still able to be approved? It is absolutely mind-boggling. Today, XX/XX/XXXX, I spent hours on the phone with Bank of America and was passed from one department to the next, none of which took responsibility for the allowing of the account opening despite the flags placed on my information and the fact that they have on file that I am a victim of identity theft. No one could give me a straight answer for how this was able to happen to me again! And there was honestly no resolution provided that will prevent this from happening to me again with their institution. They closed the account, filed a claim and a complaint, and that was it. I have no idea what to do, but it sure seems that Bank of America could care less about these continued fraudulent accounts, and it sounds like it's just something that I have to personally stay on top of, which is a complete shame. Bank of America should have a system that shuts this fraudulent activity down, especially considering they have a logged history of exactly which information is being used to open these fraudulent accounts. I'm at a loss for what to do to stop this in the future.
Product: Credit reporting or other personal consumer reports

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX # 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXX XXXX
Product: Checking or savings account

XXXX till XXXX overdraft fees plus extra charges on more overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not resolved the incorrect late reporting of XX/XX/XXXX for mortgage account with XXXX XXXX XXXX. I have submitted an earlier investigation on XX/XX/XXXX with no change in reporting. I have just reopened another unnecessary investigation as XXXX has already acknowledged there was no late reporting on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Here are a list of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My chase checking account was compromised when I wrote a check out for my homeowner policy ( fire insurance ) for XXXX and was cashed by an individual not associated with the company. My inquiry with Chase started XX/XX/2022. They told me that another bank XXXX XXXX  XXXX XXXX ) accepted the check and was resubmitted to Chase. 
After three months of inquiry I received the same message that Chase fraud department has sent notices to XXXX  XXXX XXXX. Now I am told that it will take five months to resolve. 
I hope that this agency can help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Mortgage

I am a   XXXX   XXXX   XXXX   XXXX   helping a client get a modification on his mortgage. The servicer  is PHH a nd I have had continued problems with them regarding this case.   My client recently started receiving    XXXX  . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account.   In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in   XX/XX/XXXX .     PHH keeps in sisting that they nee d two months  worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization.   The servicer keeps sending out missing docs information for the same documents that have been submitted.   The most recent package was sent  XX/XX/XXXX  of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent.   My client has   XXXX   XXXX   and he is on  XXXX . He would not be able to tackle this issue alone, so I am advocating for him.   Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well.   This has been going on for several months and it has gotten to the point where I just needed to make a complaint.
Product: Credit card or prepaid card

I applied for credit at XXXX XXXX store card through Synchrony Bank and was approved for an interest rate of approximately 14 %. I went to the store and made a purchase based on that. At the time of purchase I was offered a 0 % deferred interest rate for 12 months with the rate going up to 28 % at the end of the term. I declined that offer because I preferred the 14 % rate. 

I received my first statement today showing an interest rate of 27.99 %. At no time during the approval process was it indicated that the interest rate had increased. Of course I would have accepted the 0 % offer if I'd had any doubt that my rate was much lower than 28 %. In addition to the statement, I received a letter indicating I had not received the best rate they offer. 

I contacted the store to see if they could apply the 0 % deferred interest offer and they directed me to call Synchrony. 

I contacted Synchrony at XXXX on XX/XX/2021 the first agent indicated they would try to get the 0 % offer applied to my account, which could take up to 2 billing cycles. She indicated that it would be applied retroactively and any interest charges in between would be credited back. After escalating to a supervisor on the same call, I was told that applying the 0 % offer wasn't possible through Synchrony and that I would need to go to the store. Further, I was told that 27.99 % is the best offer available which is counter-indicated by the letter I received. 

After being disconnected several times I ended with an agent that indicated she would request the 0 % offer and that all customers get 27.99 % interest for this card. She did not believe that applying the 0 % offer would be possible. 

To be clear, I tried to get the 0 % deferred rate applied as a less-bad outcome. My preference would be to apply the promised 14 % rate to my account. That is the basis on which I made the purchase. 

Synchrony - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX