23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

HSBC did not communicate to us about closing our account. We used the account to pay for mortgage and utilities and our transactions got rejected. Here 's the timeline : XXXX XXXX XXXX - Opened joint ( me and my wife ) checking and savings account >> XXXX XXXX and XX/XX/XXXX - HSBC fraud operations requested authorization for social security information for my wife >> XX/XX/XXXX - ACH payment to utilities rejected ( utilities provided error message saying account frozen ) >> XX/XX/XXXX or XXXX - Called customer support and they said no issue or block on the account >> XX/XX/XXXX - My wife emailed authorization to HSBC XXXX email with the provided reference number >> XX/XX/XXXX - ACH payment for mortgage rejected ( Bank charged me {$15.00} NSF fee ) >> XX/XX/XXXX or XXXX - Called customer support and they initially said no issue but on explaining the rejection, they found that the account is in the process of closing and asked me to call Fraud operations ( available only from XXXX XXXX XXXX XXXX XX/XX/XXXX - Called fraud operations since my account was suspended. Only now I came to know it was because they did not receive the SSA authorization despite us emailing it on XX/XX/XXXX. 
XXXX XX/XX/XXXX - the Fraud operations team could not provide when my funds will be returned. 

No where in this entire period did we receive any communication that our accounts will be closed or our account is frozen. I do no know when my funds will be returned. 

The customer support told that HSBC tried to call me. I don't pickup calls from number I don't know. They did not leave any voicemail, send me an email or a letter by postal mail.
Product: Mortgage

My Heloc is I/O for 120 months, some months I pay over this I/O payment. XX/XX/XXXX the overage is applied to interest NOT PRINCIPLE! 
It's sporadically been happening from XX/XX/XXXX to current XX/XX/XXXX. 
I called them today XX/XX/XXXX and was told by customer service that there are no principal only payments made it will ALWAYS go to interest, even though it's above and beyond the interest only payment! This isn't right!
Product: Student loan

I have been trying to get a financial record from Navient regarding my loan consolidation, XXXX loan forgiveness granted and additional funds that a particular university claims they sent me a check in the mail directly. I have been asking Navient, Working with an Ombudsman for months now. The Ombudsman says that he is having the same difficulty obtaining the the documents. Now, I am being called about 5 times per day and threatened about default from Student Assistance Corporation. They have sent me paperwork for forbearance. I am supposedly on Income Based Repayment with Navient? I do not want to default on my loans, but I want to see the accounting for what they claim I owe.
Product: Credit card or prepaid card

I receive promotional offer from Citibank on Citi / AAdvantage Platinum Select card, on XX/XX/XXXX through Email offer with special invitation code, I applied this card using the invitation code on XXXX and I have made eligible spending over {$3000.00} by XX/XX/XXXX. 
However, Citibank never redeem and provide the XXXX AA bonus miles per advised. 
I have talked to the customer service but they comment that there is no such offer linked to my account. 

Email : Earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within the first 3 months of account opening with the Citi / AAdvantage Platinum Select World EliteTM Mastercard. * The annual fee of {$99.00} is waived for the first 12  months. 
Apply now Apply today using your non-transferable, exclusive invitation number XXXX. This number can be used one time to apply for this credit card offer. Offer expires XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, means we need to take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong reporting, wrong amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your attention an instance of negligence and non-compliance under 15 U.S.C. 1681o, which has caused harm to me and violated my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, inclusion of inaccurate information on my credit report, failure to verify disputed information. Despite my previous attempts to address this matter, they have failed to correct the information, provided inaccurate.

As stated in 15 U.S.C. 1681o, you are required to exercise reasonable care in ensuring compliance with the FCRA. Your failure to meet these obligations has resulted in denial of credit, damage to my credit score, emotional distress. 


XXXX XXXX {$240.00} spoke with representatives and she stated I had a XXXX XXXX  balance. I asked for proof of this and she stated she would email me. 

Debt recovery solution account number XXXX {$340.00} asked for debt validation never received XXXXXXXX XXXX XXXX  {$150.00} asked for debt validation never received XXXX and XXXX account number XXXX {$140.00} never received debt validation from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDIT ACCEPTANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, FOCUS FINANCIAL SERVICES, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This is a fraudulent account, I did not have any contact with this company.
Product: Credit reporting or other personal consumer reports

I signed up with Self Financial to build my credit score of XXXX to higher so I could be an first time homebuyer through XXXX. Self has you to pay your money and allow you to borrow from what YOU put in. Within the first 6 months of paying on time and in full, Self never reported to any Credit Bureaus within 30 days and allowed XXXX to decrease my score to XXXX. I contacted Self thinking that they were going to correct it and instead they took NO accountability and did nothing to restore my credit score. Self accounts were closed on XXXX, 2023 and XXXX, 2023. I was notified by Self a few days ago, stating that I owed over an XXXX on running interest and running card account and I haven't used that card in almost an year. They also threatened to hinder my credit score even further if I didn't pay them on this closed account. I contacted the XXXX  and made an complaint and I received another email from an so- called supervisor from self stating I owed XXXX and if I pay it they will report it to the Credit Bureaus and they will close an account that has been closed for months. I declined and received an credit monitoring alert by XXXX, that Self has reported an Major Derogatory mark to the Credit Bureaus and I owe them XXXX. Self is an extremely fraudulent company and is destroying ALOT of people 's lives and credit. They don't offer ANY credit and doing this with the consumer 's own money. My credit should've been restored by Self is intent on extorting it's customer 's based on lies. Closed accounts too. I owe them nothing, my credit should've been restored and I DO NOT appreciate Self or their threats! This Company should not have the control to deplete credit scores and continue staying in business. The XXXX has XXXX 's of complaints on Self 's illegal practices and should NOT be allowed to threatened or extort consumers. They also DO NOT report to Credit Bureaus for 60-90 days because my credit score was lowered even while in good standing and paying on time! Thank you XXXX XXXX
Product: Mortgage

Tried to get a modification due to hardship of divorce, loss of income. Submitted documents required and they gave me the excuse of the bottom of pay stub being ripped. They gave me the run around continuing to ask for more documents and claiming they didnt receive them. Her father had just passed away and lost all hope of everything including saving home. When I came in as third person party to help I got the auction date postponed. And started the process all over again for modification. This company has done nothing to help my client. Long story short they denied her the modification again so we went into short sale option. Now they have denied her the short sale at the last minute.There is no reason for them to deny the short sale. She has 13 offers on the property. I have detailed notes of each conversation dated and the person that I spoke with. I am at a loss as to how to help my client. She can possibly lose her job over this due to having a foreclosure on record it is considered suspicion of character. I have reached out to XXXX XXXX XXXX XXXX XXXX but I am not sure they can help. I need to help this family. This lender is fraudulent and corrupt and they need to have consequences.
Product: Debt collection

I received a letter from Credence Resource Management saying their client, XXXX XXXX XXXX, had purchased my account. This was for a medical bill from an accident that happened in XXXX 2014. I had quite a few bills from this accident that I had to work to get re-submitted and paid by insurance and I believed I had dealt with all of them. This bill was for {$990.00}. After calling, they told me they could not re-submit my bill to insurance as too much time had elapsed. When I pressed that this was not my responsibility and there must be a mistake, I was put on hold for XXXX minutes. When I talked to the representative again, she indicated there had been a mistake and that I only owed {$70.00}. I asked why I owed this amount and after a lengthy explanation ( none of which made any sense ) I told her I was concerned this was a scam. She asked me if I wanted to speak with a supervisor and put me on hold. Very quickly someone else got on the phone and informed me that I did n't owe any money and apologized for the inconvenience. I do n't know how these people got my medical information, but it seems like a clear scam where they were trying to get me to send them {$990.00} by claiming my insurance did n't cover a medical bill and trying to hold me responsible. This company SHOULD NOT be allowed to keep doing this to unsuspecting US citizens ( I did a search of Credence Resource Management and all of their employees on XXXX are based out of XXXX, XXXX ). This company is either blatantly scamming people or hacking and stealing personal information about medical bills and then sending fake bills. This is not right and I hope someone can stop this from happening to other people.
Product: Debt collection

I am in a discrimination dispute with XXXX over my payments, returned payments and the lack of effective communication resulting in a confusing situation for me. I contacted this company after receiving correspondence from them about my dispute with XXXX. Since the issue with XXXX was involving mis-communication and my XXXX, I requested that CCS accommodate XXXX XXXX. Each time I made the request I got hung up on. I finally spoke with a supervisor at around XXXX who began making fun of my XXXX XXXX XXXXXXXX and stating he could see why XXXX discriminated against me. I lost all emotional control at the insult. The company refuses to accommodate my XXXX and refuses an interactive good faith process to accommodate my XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act there should be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX collecting on behalf XXXX XXXX opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANKS YOU!
Product: Credit card or prepaid card

When I pay my stated balance in full the company adds additional interest the balance between the statement and due date. They then round up that amount to {$2.00} per the agreement and charge me that amount on my subsequent statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  2023 I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my XXXX XXXX. After speaking to supervisors from all three bureaus they assured me that the information would be removed. The information was temporarily removed. Months later the inaccurate information has been placed back on my credit profile. I have requested an explanation of verification via phone and XXXX mail on several occasions. According to the FCRA Act Section 611, I have the right to request an explanation of the verification method used by your company I am requesting a copy under the FACTA act, SEC 312 ( b ) and ( c ). I have given more than enough time for this situation to be resolved and will not wait another 60 days for a reply or an update to my credit profile. 

I am requesting that this erroneous information be removed from my credit profile immediately. 

As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from either of the three credit bureaus and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with XXXX, XXXX and Experian and have yet to receive a response within a reasonable amount of time.
Product: Checking or savings account

My childhood friend whom lives in another state gifted me XXXX by way of a personal check. This check was deposited into my account with M & T and has cleared into my personal account. When I tried to access the funds to pay a bill my card was declined. After contacting the bank I was told it was a suspicious transaction and is under investigation. The issue I have is first they never followed up with my friend, my automatic deposit paychecks are going into this account and I have no access to funds to pay my bills or whatever I choose. Nobody from the investigation is returning my calls and having to speak with telephone tellers. Soon automatic funds will be declined to pay certain bills and this will cause me hardship in addition to the stress and inconvenience currently experiencing.
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 XXXXXXXX XXXX
Product: Checking or savings account

I received a letter from Discover Financial dates XX/XX/XXXX that stated they received an application to open a Bank Account but were unable to verify the information and rejected the application. I NEVER APPLIED FOR A DISCOVER BANK ACCOUNT. IT WAS AN ATTEMPT TO USE MY IDENITY BY SOMEONE ELSE. I called Discover and they did nothing to help me identify the source of the application. I asked for a copy of the application in order to see if there was a piece of information on it that would help identify the person who submitted it. They claimed they did not have the application and referred me to XXXX to put a stop on requests for my credit information. This is the second time someone has attempted to use my identity with a financial institution. You are the agency designed to protect consumers from financial fraud. I want Discover to provide a copy of the application that was rejected so I can see if anything on the application can identify who submitted the application. DON'T GIVE ME A BUNCH OF DOUBLE TALK. Help me to get to the bottom of who has attempted to steal my identity. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to obtain my credit report information on line I am given one question that asks about what bank did I open a debit card account at and I have never opened a account at any of the banks listed. I then check none and go to the next question. The next question says that I have taken out a automobile loan and asks what are my monthly payments. I have no automobile loan and monthly payments. I the check the none as the response and hit submit. I then get a notification that my information is not available because Equifax information does not mach mine. Equifax gives a XXXX number to call but it will not work with cell phones and my landline is for local calls only and will not work for XXXX numbers.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account name : XXXX Account name : XXXX  Account name : XXXX Account name : XXXX XXXX  Account name : XXXX Account name : XXXX XXXX  Account name : XXXX Account name : XXXX  Account name : XXXX Account name : XXXX  Account name : XXXX Account name : XXXX  Account name : XXXX
Product: Mortgage

Specialized Loan Servicing will not give us an accurate principal balance on our loan. The took over our loan in XX/XX/XXXX and the payment history report we received shows the loan balance is going up and not down. We have asked several times for assistance and we continue to get documents that are not helpful. Our loan is currently underwater and it could be due to this issue. The original loan was {$72000.00} in XX/XX/XXXX and now the Servicer states that we owe {$76000.00}. SLS is not reporting our loan to the credit reporting agency either. We have never modified or refinanced this loan. The property value is currently only {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$4000.00}  XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was hit twice on XXXX with the person using my information and Social Security number from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Transunion were mailed out on XX/XX/2023 and USPS certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX XXXX. These letters were sent out USPS certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Transunion has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to Transunion.