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

Throughout the second half of XXXX, I received multiple credit card offers from HSBC Bank related to my high credit score. Multiple offers were received from HSBC for an HSBC Cash Rewards Mastercard. On the advertising " pre-screened '' offer, it stated a 0 % Introductory APR in bold red lettering. A similarly looking offer was received for the same colored and designed credit card, an HSBC Platinum Cash Rewards Mastercard. Both offers offered {$150.00} cashback for spending " x '' number of dollars in the first 90 days of account opening. One of the offers stated XXXX points that equaled {$150.00} cashback. After multiple solicitations I decided to sign up for the card in XX/XX/XXXX that included 0 % introductory APR for 15 months for purchases and balance transfers. Or, so I thought. I spent on the card according to a planned project for those stated terms. 

In late XX/XX/XXXX I received my first statement showing a 14.99 % APR on purchases. At this point the total I accrued on the account was based upon a payment plan to pay off the full balance in early XX/XX/XXXX. 

On XX/XX/XXXX I spoke with multiple representatives at the company who defended the fraudulent advertising practices, even referring to the website to review the offers attempting to make me believe it was 0 % for 15 months on balance transfers. I received a paper offer ( multiple to be specific ) and this is not how the advertising read or what was expected based upon the advertising. 

To date, I have never used a balance transfer in my life and did not plan to do so. The credit card was signed up for and used according to the 0 % Introductory APR for purchases and transfers offer I believed I was getting. The Cash Rewards and Platinum cash rewards card design are nearly identical in nature and the terms are similar except for the purchases clause. 

The attached document is an example of one solicitation letter, but not necessarily the one attached to the sign-up I used.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Current Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
<P/>
 XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET
Product: Credit reporting, credit repair services, or other personal consumer reports

I alerted Experian multiple times about a fraudulent account opened in my name as a result of identity theft. Experian took NO action to remove the account from my report or cross check their information with the other two credit bureaus who investigated the account and promptly removed it. 

I have been in contact with Experian multiple times to address the issue. Both via phone and via online disputes to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Bank NA. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash. if the finance charge does not include cash why is there alleged Late Payments reporting on my consumer reports this is false and inaccurate information.Capital One Bank NA is in violation of the Fair Debt Collection Practices Act pursuant 15 USC 1692j for furnishing deceptive forms they are also in violation of 15 USC 1692e ( 10 ) for false and misleading representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask Portfolio Recovery to do a verification on this account they are reporting on consumer report, they stated that they did and they stated that everything is accurate, I did a thorough res myself and found improper inaccuracies on my report. 



Accordance with the Fair Credit Reporting Act Portfolio Recovery Account : XXXX, has violated my rights. last active dates, not accurate. against the status limitation, wrong address, Harassment and see attachments also in violation 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I raised a dispute of or a {$190.00} charge from XXXX ( XXXX XXXX XXXX XXXX ) vacation package that was posted to my Citibank credit card and that I did not authorize. As part of the dispute " evidence '' the merchant ( XXXX ) provided to Citibank was simply a short verbiage claiming that I purchased the vacation package during a phone call, but did not provide a recording of the call as evidence. I, however, provided a 5-page documentation including attachments of my interactions with the merchant that very clearly supports that I did not authorize that charge. Citibank unfairly resolved the case in favor of the merchant and reversed the chargeback. On XX/XX/2020, when I spoke to a Citibank billing dispute representative about it, he agreed that the resolution was unreasonable too but stated that Citibank could pursue the case no further. I asked him what evidence the merchant provided to prove that the charge was valid and he stated that the only evidence that the merchant provided was that the credit card was valid, the merchant claimed that there was a voice recording of my call with them ( but denied to provide said recording ), and a document of terms and conditions. A rational person would clearly understand that neither of those constitute as evidence. However, Citibank still resolved in the merchant 's favor, which is very anti-consumer and goes against consumer protection laws established not only in this country but my state of residence in California as well. I implore Citibank to do the right thing and resolve this dispute in a fair manner.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$15000.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Today is XX/XX/2023 and over this past week, I sent an {$8000.00} wire to my daughter on XX/XX/2023 from XXXX XXXX XXXX XXXX to her bank which is Capital One. Two digits were incorrect in the account number and went into another account. We were in contact by phone with both banks before, on the day and after the money was transferred. Capital One found her money before it was deposited, but still didn't put a hold on the funds even though the name did not match the account number and their own customer called and XXXX XXXX made TWO attempts to resolve it. First, XXXX reached out via the back office and asked for a simple edit on the account numbers, but Capital One said 'no '. Then, XXXX XXXX sent a request for the return of the funds and Capital One said " The customer doesn't want to return the money. '' For such a large deposit, surely this should have been flagged and fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my experian credit report. I have send them and XXXX XXXX several letters and mails with no response from either of them. I have send to your attention as well in the past with no proper response. Please instruct experian to remove both of these hard inquiries as I don't acknowledge them or ever applied for them. Hope you will comply. 

XXXX XXXX XXXX You applied for a credit card on XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my FOURTH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$730.00}
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

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
Product: Credit card or prepaid card

Discover card services has repeatedly given me incorrect and misleading information. Through their online messaging service which I have copies of and also when I called to speak with a customer service representative. I was told 3 different times there was no fee to take a cash advance from my card. Only a higher interest rate of 24.99 %. After I finally made a cash advance for {$2500.00}, I noticed I was charged {$120.00} or 5 % of the amount. I explained to them I was n't advised of this fee and I would like it reversed. i also explained that had I know of this fee, I would not have taken the cash advance. They just keep telling me it 's in your card member agreement which I received years ago. They fail to be responsible for their poorly trained representatives who are giving out false and misleading information. They also told me in writing on their messaging service that my cash advance limit is 21 % of my total credit line and if my line increases, my cash advance amount will increase. This is not the case, because they increased my line to {$14000.00} and my cash advance limit is still {$2500.00}. Now they are saying it is 17 % of your credit limit. That is also incorrect. The cash advance limit on my account is {$2500.00} no matter what my credit limit its.
Product: Debt collection

The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.
Product: Mortgage

Purchased a home and closed on XX/XX/XXXX. Academy Mortgage was our lender. I received our first mortgage statement ( will attach image ) in late XXXX, with a due date of XX/XX/XXXX. I detached the payment coupon from the statement and mailed it to the address provided on the statement which was Academy Mortgage, XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Included with the payment coupon was a personal check, number XXXX from our joint bank account, XXXX and XXXX XXXX, made out in the amount of {$3000.00}, with the account number provided on the mortgage statement, account number XXXX ( will attach images of cashed check ). The payment was mailed from our residence in Oklahoma on XX/XX/XXXX. On XXXX XXXX, I received a second statement from Academy Mortgage, now listing a different account number ( XXXX ) and a different payment address ( when I called I was told that the change was due the loan now being serviced by XXXX ). I was concerned about the change and called to inquire if this would be a problem. I was told the payment could be sent on to the correct location and it would n't be a problem. In the meantime I continued to receive statements and correspondence indicating that a payment was overdue. I have spent hours on the phone on multiple days with multiple representatives with no resolution. My bank, XXXX, has faxed images of the cashed check to XXXX XXXX XXXX XXXX XXXX as proof of payment twice, at my expense. Academy continues to deny that they have received this information from my bank. Currently, they place me on hold, tell me all their representatives are too busy, and I will receive a call back, which then does not occur. When I called this afternoon I was told that my loan has been transferred to XXXX XXXX XXXX, however XXXX is still the servicer and the payment address and account number have not changed. I still have not received a call back, my account still has not been credited for my payment, and I am now being told that this is all due to my error, even though I sent the payment to the address I was given on my first mortgage statement.
Product: Debt collection

On XX/XX/2022 Fidelity Information Corp placed a collection on my credit report in the amount of {$300.00}. The collection was placed for rent that was due in XX/XX/2022. The original creditor was XXXX XXXX XXXX. The company placed my account with a collection agency before it was ever 30 days past due. 

Rent at this apartment was due on the 1st of each month. I paid the rent before it was 30 days late. I had a signed payment arrangement with the leasing company with arrangements to pay in full by XXXX. I had all of the rent paid in full on XX/XX/2022. The collection was placed 2 months after the rent was paid in full. I have a XXXX balance with this company and my account should have NEVER been placed in collection. 

I contacted the leasing office about the collection and did not receive a response. I also sent a certified letter to Fidelity Information Corp asking for debt validation. I sent the letter to the address they listed on my credit report. The US postal service entered a note saying they attempted the delivery but the location where the company has listed to send mail is in a locked location that can not be accessed by the US Postal service. I never received any response to my request for debt validation. 

Additionally, Fidelity Information Corp never sent me a debt validation notice as required by Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication. The company placed this debt under collection without giving me an opportunity to respond.
Product: Debt collection

This was paid by my insurance company so I do n't understand why they still need me to pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.
Product: Prepaid card

I received an American Express gift card, and have not been able to successfully use it in either brick-and-mortar retail stores or online. I have checked the balance online ( at XXXX ) and there doesn't appear to be a problem with the card. The full balance is available, but it is declined every time I try to use it.
Product: Credit card

I informed them that they are violating the XXXX ruling but they said it doesnt apply to Bank of America XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i reached out to Experian to request that NON-MAILABLE addresses be removed from my credit report. The agent I spoke with was condescending and stated that it can not be removed even after I cited that these addresses are non-mailable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, Transunion, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, Transunion is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting XXXX late payments ( 30 days late XXXX XXXX  30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. XXXX is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, The List of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX 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 conviction of crimes which antidates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( XXXX ) DELETE THIS FRAUD ACCOUNT THANK YOU
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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.