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

I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account. 

My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one  of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time. 

With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.
Product: Credit card or prepaid card

I had a promotional plan for 12 months no interest, i requested for the Pandemic 3 no payments months i had a {$20.00} dollars balance and now they're charging me {$120.00} Interest for a {$20.00} dollars balance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories XXXX, XXXX and Experian XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

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

i have been writing the credit bureaus since XXXX trying to get account i have no relations with deleted from my credit, file, XXXX XXXX. i have written XXXX directly asking them to verify, i have written transunion, the only thing written back to me is that it has been verified, which is not the same as VALIDATED. I have tried calling transunion, but talking to someone who actually speaks XXXX, laughable.and that is a joke, they talk to me like i'm a criminal, im just trying to get one negative file removed from my report. Big giant corporations treat real life humans, like were the bad guys, I di n't believe it would be this difficult, but now almost a year later, i still have a negative in my transunion file. can anyone please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED. XXXX has already removed these items, and I'm waiting for XXXXXXXX XXXX   update as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Product: Credit reporting

I had multiple removals on my credit report and then noticed that a few of them had been reinserted without notification within 5 days via mail that this had occured. I require that these reinserted unverified items be permanently removed as this is in violation of section 1681 of the FCRA. An online alert letting me know 2 weeks after reinsertion is NOT sufficient and this must have occurred via USPS mail. No notification via mail was received and these items must be removed. 
On XXXX XXXX XXXX I only had XXXX negatives remaining after the rest had been removed : Vertans admin ( XXXX ). 
On XXXX XXXX, there were now XXXX accounts : XXXX, XXXX ( XXXX ), XXXX On XXXX there were now XXXX accounts again : XXXX, XXXX, XXXX, XXXX ( XXXX ) This is an illegal practice and these items must all be removed.
Product: Credit card

Someone keeps requested my credit report, I have gotten over XXXX credit inquiry 's, capital one stated someone ordered a card and it wasn't my address.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX Then and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Account name, XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX, XXXX. 
Status updated XX/XX/XXXX. 

XXXXXXXX XXXX Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, These accounts listed above with the above information is listed on my credit report as delinquent. XXXX XXXX and XXXX has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it to my credit report specially experian, I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. This negative information and fraudulent information has impacted my credit significant and has cause my current creditor to lower my credit
Product: Vehicle loan or lease

I discovered on my own that a fraudulent auto loan was originated and approved by Bank of America under my name for {$130000.00} XXXX days ago on XX/XX/2023. 
There had been no contact by any means from Bank of America to me on this loan origination process. Believe I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, an XXXX  account by the username XXXX  posted a part that I had been looking for, for quite some time and I asked how much would it be to purchase it. They responded saying that it was {$330.00} with shipping and handling included, very fair price for the product, so I sent the XXXX  payment of {$330.00}. Then I received an email from the shipping company they used called XXXX XXXX XXXX, saying I needed to " insure '' the item for half the price or {$160.00} so I believed them and sent the {$160.00}. On XX/XX/year>, I was told that I needed to " insure '' my item again and pay for " stamps '', for another {$240.00}, I refused the 3rd payment and now they are refusing to ship the item, if it even exists, saying everything is completely refundable which I just can't believe. For the 3rd payment they went on about customs and how it needs stamps to go through customs and that there will be a huge delay, but when I refused and told them to just go on with the delay, they said they have to hold the package. Neither chase, XXXX, or the " company '' want to refund me so now I'm down {$490.00} for believing an instagram page that sells items with XXXX followers.
Product: Checking or savings account

I've been trying for several months to close the HSA accounts that both I ( account ending with XXXX ) and my husband ( XXXX XXXX, account ending with XXXX ) have with HSA Bank ( XXXX XXXX XXXX, XXXX WI XXXX, XXXX ). I am an authorized signer on my husband 's HSA. 

After multiple phone calls and emails over many weeks in which HSA Bank provided conflicting information, I've succeeded in getting the funds in my HSABank-affiliated XXXX XXXX transferred to a new XXXX-affiliated XXXX XXXX. ( We've already requested the same transfer for my husband 's XXXX  ; those funds have not yet moved, as of this morning. ) The final step ( I was told in earlier phone calls with HSA Bank ) was to happen AFTER the funds moved from one XXXX to the other : I was told to call ( email or online not acceptable ) to request that my HSA Bank HSA account be closed and the funds transferred to our joint checking account, which is already linked to both of our HSA Bank HSAs. This transfer was to be coded as a " rollover, '' which we would then send to our new XXXX XXXX 

When I called last week, after my own XXXX funds transfer was complete, to close my account and have the remaining $ XXXX moved to our checking account, I was told that HSA Bank could send those funds ONLY as a disbursement for health expenses, NOT as a rollover to a new account. I told them this was incorrect, they most certainly COULD rollover these funds, and ( in the course of a XXXX0-minute call during which I was put on hold three times ) asked three times to speak to a supervisor. I was told that that would require a callback, which I requested. 

I've heard nothing from HSA Bank since then. So we're stuck, and need your help getting these accounts properly closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX FCU  XX/XX/XXXX XXXX  FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX  Fd XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Bank XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have been very cordial and cooperative throughout this dispute process and trust you will take this matter seriously. Please see the attached documents. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXXXXXX XXXX EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Money transfer, virtual currency, or money service

Money was sent using XXXX and the money was sent to the wrong person. There were no notifications of assurance until later using XXXX. I did not get my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and all variations of this name is not correct XXXX, XXXX  XXXX, Is not my place of employment please remove these variations of bureaus reporting inaccurate names, addresses and places of employment
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. EXPERIAN XXXX both reporting chargeoff/collection and XXXX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. EXPERIAN XXXX AND XXXX all reporting different information.
Product: Debt collection

I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify this issue.
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 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous CFPB complaint ID is -XXXX. ( XXXX ) -XXXX. ( XXXX ) -XXXX. ( EXPERIAN ) Also, XXXX XXXX Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX XXXX account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}.

*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN , " Completed investigation of FCRA dispute - consumer disagrees '' AND XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX " Account paid for less than full balance. '' Thank you.
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, 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 or other personal consumer reports

In this case I disputed inaccurate information of late payments to a credit company : XXXX XXXX in terms regarding payments being reported on both the account and report I have proof of payment from my account statements my account was put restricted due to these inaccurate statements dating XXXX XXXX and XXXX - XXXX I have tried on multiple occasions to get these errors corrected and no success I am unable to continue to allow these actions with out having any further action taken. These false late payments hurt my credit score, and my mortgage company looks into these and sees false information that hurts my reputation as a buyer or even a consumer. My account resistion came from the XXXX report of no payment but I have here proof of my payment. They also report false information of payment amounts stating {$0.00} across the board for inquired people to see as if I am not being effected enough.