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

Opened an account with HSBC advance on XXXX with a promise of a welcome bonus after 8.wks. I called after XXXX when the 10K was deposited to make sure it was set up correctly to get bonus & was told it was. Called after the 8 wks and was told that they had another 90 days until they had to add the bonus. Did online chat and was told it would be added soon. Online chat again XXXX and was told they would open a inquiry. Sent a email Sent XXXX XXXX Dear XXXX XXXX XXXX Thank you for contacting HSBC BANK USA XXXX NA We understand your inquiry and apologize for the inconvenience. Upon reviewing your account details, we are showing our Campaign and Promotion Team has been made aware of the promotional bonus. A case  was opened on XX/XX/XXXX. Once a response has been documented on your account, you should receive a email. 

If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
In regard to your promotional query ( KM XX/XX/XXXX Dear XXXX XXXX : We are writing you in regard to your promotional query.We wanted to advise that we have sent a request to our Area Manager to provide approval for the {$400.00} promotion. Please allow three to five business days for this approval to occur. Once the approval occurs, we will reach out to you to provide this information. 

We appreciate your patience while we work on this for you. 
If you have any further questions or concerns, please don't hesitate to contact us either via BankMail or Live Chat. 
For additional information on the products and services HSBC Bank offers, please visit us at us.hsbc.com Thank you, HSBC Digital Contact Center HSBC Bank USA, N.A. XXXX. All Rights Reserved. 
Called XXXX. Nothing can be done The account # is XXXX
Product: Debt collection

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of XXXX XXXX XXXX, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the XXXX banks in question ( Fifth Third and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the Fifth Third checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney ( XXXX XXXX, XXXX XXXX XXXX ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Product: Debt collection

I have a negative collection on my credit report for {$1000.00} this is from a credit card dad was charged off years ago I contacted this company we reached agreement on an amount they never mailed me anything when you call them they don't answer their phone or return messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Checking or savings account

On XX/XX/2022, I attempted to open a checking account at TD Bank. I was advised that the only way I could open the account is if I provided a credit card number in the form of the Social Security number, which I do not own but am a beneficiary of. 

I did provide the Social Security number and did open the account as a beneficiary. Any activity on the account is to be for my benefit. TD began deducting money from the account and I do believe that the money that was deducted was done so fraudulently, in violation of Consumer Protection Laws, and not for my benefit. 

I did contact TD Bank between XX/XX/2022 and XX/XX/2022 regarding the fraudulent deductions. I was informed that the matter would be corrected, and the money that was removed from the account was put back. 

As of XX/XX/2022, TD Bank has begin deducting money from the account again, fraudulently, and not for my benefit. When I attempted to speak to someone by calling the customer service phone number, I was told that I would have to go back to the location I opened the account in. When I asked for the contact number or email address for the legal team or law department, I was instructed that there was no contact information and that I could not speak to anyone to settle this matter. 

I have attached a redacted version of the new account form, where I signed as beneficiary.
Product: Credit reporting or other personal consumer reports

They reporting the wrong information and I sent out multiple letters to get it fixed
Product: Debt collection

Credit company can not produce picture Id my signature or even have my actual address they have already removed a second account that was fraudulently opened in my name but refused to remove this one
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Product: Debt collection

LVNV FUNDING LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of XXXX. The collection has been reporting this past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am sending a XXXX & XXXX for JPMCB stop giving my non public personal information being disclosed without my consent. I never instructed them to give out my XXXX to non affiliated third parties. Their agreement does not have an opt out clause. Theres no signature from me ( for written consent for them to report to the CRAs ). Per 15 USC 6802 & the Gramm Leech Billey Act of 1989, a furnisher has to clearly and conspicuously offer a non disclosure clause for consumer reporting, this was never done. Also they are reporting on my credit report inaccurately. I have attached a copy of the inaccurate reporting to this complaint. This has caused me a lot of damage on top of stress. I have been denied credit due to this account and I want it removed immediately. According to the FCRA my credit report should be reporting accurately and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX  put on my credit report false information and caused my credit score to go down alot ... .They said I had a balance and it was a lie ... .I never used their credit card ever ... I even called them to close my account with them ... and they did but still didn't remove what was falsely stated about a balance I never had ... .I filed several disputes with Experian and they said that they will take care of it ... But they didnt do anything ... .The complaint I'm making is with XXXX  and Experian ... ..I would like this off my credit report asap ... .Thank you ... .This is XXXX XXXX ... .My phone number is XXXX XXXX .and my email is XXXX ... ..
Product: Checking or savings account

I made a {$17.00} payment to XXXX through Bank of America bill pay service /XXXX  said they did not receive the payment I called the bank the bank said that bill pay service said that they paid the merchant/ I told Bank of America I wanted to dispute the charge but they would not dispute it because they said they can not dispute their own pay service i then close the account but my {$17.00} was still missing and has not been paid to the merchant or return to me
Product: Credit reporting or other personal consumer reports

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous query letters to your department, the most recent XXXX XXXX I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " XXXX '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Product: Student loan

In XXXX of XXXX, I received an email from the U.S. Department of Education granting me a federal loan discharge as per my being a part of the XXXXXXXX XXXX XXXXXXXX original class. In XXXX of XXXX, Navient still took payment out of my account for my XXXX affected XXXX loans. These amounts were never refunded. Additionally, the XXXX loans were federally backed ( they showed up via my XXXX portal ) and should have been fully refunded by Navient as per the XXXXXXXX XXXX XXXXXXXX settlement. These refunds for my XXXX XXXX  loans were never received as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$25000.00} ). Its been over 45 days and TransUnion havent respond to my request as theyare required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, XXXX and TransUnion ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, XXXX and TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian, have failed to fulfill their legal obligations by conducting investigations into consumer credit report disputes, potentially leaving inaccurate information on my credit reports and violating the Fair Credit Reporting Act ( FCRA ) which requires thorough investigation of consumer complaints ; essentially.
Product: Credit reporting

I recently received a copy of my XXXX, Equifax , & XXXX credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Credit card or prepaid card

Filed a dispute on a XXXX XXXX charge for {$24.00} that was unauthorized but havent received credit for it. Also a bill pay check for {$70.00} was disputed due to the check being returned to me and Amex Bluebird hasnt returned the money to my account after filing a dispute.
Product: Credit reporting or other personal consumer reports

In reviewing my TRANS UNION CREDIT REPORT, the debt collection agency, XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX refuses to send me a court ordered judgment in the amount of {$6800.00}. based on its client 's statement that I owed this debt. There is no paperwork sent indicating the name and address of the debt collector 's lawyer. The debt collector violated The New York State 's established XXXX on Evictions against tenants in XXXX. The debt collector ordered me to move as he wanted his residence returned to him and, that is, what I did. I vacated the residence, left it clean and damage free as he wanted it. 

I do not owe this debt and there is no legal court ordered judgment stating that I do. I have never been served any summons and/or legal papers to appear in a Court of competent jurisdiction relating to my due process of law against this fraudulent charge. 

TRANS UNION XXXX XXXX XXXX states it has verified the debt and it will remain on my credit report. 

This debt collector has failed to return my {$1600.00} down payment with accruing interest on a mobile home dating back to XX/XX/XXXX as well as reimbursement of the cost of XXXX all weather storm doors at my former residence at XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, New York.
Product: Credit card

I have multiple issues not enough space here to enter all the documents and evidence I sent to XXXX XXXX XXXX XXXX A fraud charge from XXXX. A rental that I have clear evidence and copies of emails from the owner who sent to us saying we dont have the rental and never charged us - but XXXX charged us.

2. XXXX XXXX XXXX charging us for a no show fee but I have evidence I was there on the exact date of agreement and the exact location and did rent and pay for the car. I submitted that evidence Goldman Sach / Apple more than once
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inquiries that I didn't do and the credit bureau informed me they would investigate them or remove them, and I can take them to court. Below is the letters I send to bureau it was received by XXXX XXXX on XX/XX/18 at XXXX XXXX tracking number XXXX. The letters sent are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans World collection XXXX is reporting a medical debt on my credit file. {XXXX} for services from XX/XX/XXXX. Ive asked twice for documents verifying that this debt belongs to me. 
I sent a certified letter on XX/XX/XXXX asking for complete documentation on services performed and my signature agreeing to these terms. No response has been given. 
This reports on XXXX, XXXX, XXXX credit files.
Product: Vehicle loan or lease

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccurate on incomplete information listed. Below is account that is to be delete to credit report. the creditor and credit bureau as failed to comply with response to alleged account per FCRA. Please delete. 

US DEP ED Account number : XXXX US DEP ED Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have recently review my consumer credit report and noticed this fraudulent account on my consumer report by Jefferson financial.

i have reached out to have this removed unless they can provide a purchase agreement between myself, Jefferson Financial, and the original creditor.

letter was sent a month ago all that I received is a contract with the original creditor.

I demand a PURCHASE AGREEMENT of between the 3 parties involved.

Failing to do so I have the benefit of doubt this is not my collection nor have any business with Jefferson Capital.

Exercising 15 U.S.C 1692 C ( c ) cease and desist from the company reporting to my consumer report and all communications.

I demand this be removed from my Consumer Credit Report immediately.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

There is collections on my report and these accounts does not belong to me. I have never inquire or requested these accounts from the companies, I am disputing these accounts and requesting they are removed. I have never open a XXXXXXXX XXXX none of the information belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1100.00} This erroneous collection account was already disputed and successfully removed from credit report. Furthermore I did not receive and written correspondence from this new collection company regarding this alleged debt. Please provide receipts of certified mail that was sent regarding this account.
Product: Checking or savings account

Got an e-mail in XX/XX/2022 about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I XXXX  to see if others have had this happen and saw someone referred to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), regarding credit reporting for a Santander Consumer USA Inc. ( Santander ) account. Thank you  for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the Santander account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX regarding this matter. They have not verified the information and they are still reporting inaccurate information to my credit report.
Product: Checking or savings account

On XXXX XXXX my check was deposited into my account and on that same date my account was hit 30 times from hellcase for the amount of {$50.00} and once for {$20.00} for the total of {$1500.00}. I called money lion and filed a dispute for each of them and they still have not credited my account back