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

On XXXX XXXX ( XXXX ) called me set up the XXXX for me that mature in 2025. On XXXX I received the letter dated XXXX from HSBC XXXX that HSBC want to close my account on XXXX. It's negligence from the XXXX HSBC XXXX never informed me on XXXX in the call to inform me advance that closing my account and still set up the XXXX for me. 

I requested HSBC to compensate all the premier maintenance fee, bank charges and CD principal and full interest income that would have been earned for the remaining term until the year 2025 mature date due to early closure but HSBC ignoring me on this issue and bullying me even though I sent them so many email and called them many times. I even set up call appointments with them but they keep cancelling. This has caused me distressed. 

XXXX XXXX ( XXXX ) didn't call me and only sent me email on XXXX with the ( subject : We're still investigating your complaint XXXX XXXX ) although the HSBC customer service XXXX told me XXXX will call me on XXXX in call but didn't. 

After that I keep email and told them in call about this but they ignore me until now and no any resolution. 

I have XXXX CD with XXXX and around {$93000.00} and I suffered loss since they closed down my account early for that. FED just reduced 0.5 % interest rate and I can not find the same interest rate 5.1 % anymore that I secured with HSBC XXXX before. Please find the attached XXXX term and condition if the bank close all my CD early. If the HSBC bank want to close my account and CD, HSBC bank need to return me all the CD and principal and full interest income that would have been earned for the remaining term until the year 2025 mature date. As a consumer, I am entitled for the right and not to be treated unfair like this. 

Since my CD only mature in 2025, I would request HSBC to compensate me back the lost interest, bank charge, Premier maintenance fee, distressed and etc. ( $ XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to Equifax requesting that they delete some personal information from my credit report that was either old or didn't belong to me. Attached along with this letter I also sent a copy of my drivers license and social security card as required but still to this day Equifax claims to have never received my letter, although I sent it certified mail and I have the digital receipt of delivery and pickup, which I will attach to this complaint. I eventually went online and got those personal items removed after not hearing anything back from Equifax for over a month but this was not the end. Not only has Equifax claiming to have never received my letter caused me emotional stress out of fear that my personal information has landed in the wrong hands, but also financial stress as I have been paying for identity monitoring services that I never would have had any need for or interest in if it was not for Equifax losing my letter with my drivers license and social security card. I have been in the process of locating a consumer protection attorney in my area as I full heartedly intend to take this matter to court but I hope that this can assist in the process, as I can not even dispute further with Equifax because they claim to never have received my 2 forms of identification the first time that I sent it so now they will not investigate my disputes at all, which I have proof of because they sent me a letter asking for me to send the forms of ID well after I already did, and I definitely am not resending my information just for it to be " lost '' once again. I have called them multiple times and have spoken with supervisors and each time they refuse to take responsibility or thoroughly investigate what happened. What makes this situation even worse is I sent the exact same 2 forms of identification to XXXX and XXXX as well and had absolutely no problems.
Product: Mortgage

I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed.
Product: Credit card or prepaid card

This is the third time I am filing a complaint regarding US/Bank Reliacard Utah unemployment benefit. Please see complaint # CFPB - XXXX. The company said they resolved the issue, but they have NOT. They requested I fax them my valid government ID, SS card, and XXXX, and include the Card ID # XXXX, which I did. They did not tell me in their letter that I had to enlarge the documents by XXXX and reduce it to the lightest point. So I waited almost a month and contacted Reliacard, at which time they informed me that I needed to refax with the above instructions, which I did on XX/XX/XXXX. They said they would then send me a card. I called on XX/XX/XXXX and talked with XXXX in XXXX. She confirmed that they did receive my fax verifying my identity and that it had been approved. However, she said they had " locked '' my account so no one could get access, which I appreciated. She said she had to escalate the unlocking to management and that if I called back on Monday, XX/XX/XXXX and she could order a card expedited. I called on XX/XX/XXXX and talked with XXXX who said he couldn't find the account, that everything had been deleted. He could not help us. I hung up and called two more times, finally talking with XXXX, who found and verified the account easily, and said she could order a card expedited but had to send it to a manager. Called back on XX/XX/XXXX to see if card had been ordered, call was disconnected. Called again and spoke with XXXX at XXXX XXXX. She said she would order the card and confirmed that the order went through. Instructed me to call XX/XX/XXXX ( today ) and they could give me the tracking #. When I called they said they needed the password I had given them the day before. We NEVER, IN OVER 30 CALLS, going back to XXXX, was asked for a password and explained that we did not know what they were talking about. They said they could not help. I begged them to transfer me to a supervisor or manager. They put me on hold for 2 1/2 hours before call was disconnected. Reliacard customer service is the worst I have ever experienced. They have used every excuse possible to deny or delay getting me a card. I have attached several documents showing what I have done and communications without any resolution. Even with the first complaint I filed, they used the excuse that they couldn't respond because I had asked them to try to contact me through my sister and they told me I had to refile the claim because I'd mentioned her name. I refiled and then their response was that they already resolved the complaint ... which they had not.
Product: Credit card

on XX/XX/year> i requested a credit card from Citi bank. I was accepted and a card was sent. By the middle of XXXX nothing had arrived so i called and asked for a replacement which they obliged. Only problem is i have never received the replacement. I have paid Citi bank {$95.00} to open the card and now they will not even let me have the card. 

Additionally I have tried numerous ways to contact citi bank but i continue to get technical errors when trying to set up an appointment and customer service reps who tell me they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all.

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )
Product: Credit card

I received a TD Bank Privacy Policy Disclosure for my Target Red Card. Offered is the option to call XXXX to opt out of " opt outable '' sharing. It is an automated system. I firmly believe it was designed to be difficult to understand what/how to opt out of sharing. After I pressed XXXX, XXXX and XXXX the line was disconnected. I then called Target Customer Service regarding this. They did opt me out of sharing personal information I am able not to share. I advised I believed the automated system was purposefully misleading.
Product: Credit reporting or other personal consumer reports

I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX credit card # XXXX is lost/stolen, and all the transactions are fraudulent and unauthorized.
Product: Credit card or prepaid card

I have submitted requested documents multiple times to this company but they refuse to acknowledge and accept them. I dont know if they are unable to see them or what is happening I was instructed to send " ( i.e. *receipts*, invoices, emails ) that *displays the merchant contact information, transaction date/time, transaction amount, and cancellation details. * '' Which I have provided multiple times and still my complaint is not being filed. At this point I feel there is miscommunication. I have requested my request for a dispute be sent to someone else but nothing has come of my complaint thus far. I just keep literally recieving the same email requesting the same details that i have sent time and time again with no further instruction or filing of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Product: Debt collection

I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/, my mortgage company XXXX XXXX  transferred my loan to XXXX. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager XXXX, they told us everything looks good to go. Our latest payment was deducted by XXXX, and new payments are going to XXXX. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXX under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Debt collection

midland credit management owns XXXX XXXX  debt {$860.00}. 
also they own XXXX XXXX debt {$360.00} also i cant afford to pay these debt at all i dont want to be sued
Product: Student loan

Hi, good afternoon, I've been making payments to the Student Loan Movement since XXXX  in the amount of {$6700.00}, and none of the money has been paid to my federal student loans. I've contacted the XXXX XXXX XXXX XXXX ; they have never heard of this company. My federal student aid servicers are XXXX. They informed me that my loan got consolidated and transferred to XXXX, and neither have heard of them nor received any payments. My gut told me to dig deeper into this company, and I found out from online reviews that they are scams and fraudulent. I reached out to the Florida Attorney General 's office to file a claim and I was instructed to do the same through California since this company is stationed there. I would like to file a claim against this company for fraudulent transactions/activity. Thank you so much for your time and prompt response in this matter. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX  XXXX BALANCE : {$18000.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCE {$8400.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, so be it, and ; 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; 5. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time. 

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.
Product: Mortgage

In XXXX of XXXX, I entered into a mortgage forbearance agreement with Suntrust Mortgage company as a result of the pandemic. This forbearance was in-line with federal guidelines allowing those impacted by the pandemic to postpone mortgage payments until such a time that they could resume making those payments. 

Once I was confident in my ability to resume payments in XXXX of XXXX, I began making my mortgage payments again. At that point, 10 months of mortgage payments ( including escrow for property taxes and property insurance ) had been forbeared, totaling approximately {$32000.00} based on my monthly mortgage payment of {$3200.00}. Some dollar values had shifted slightly due to an escrow analysis that was performed, but the escrow amounts hadn't changed materially. On XX/XX/XXXX, I made my first mortgage payment in 10 months of {$3200.00}. 

In XXXX, we spoke with a mortgage broker regarding refinancing our home out of forbearance. They were able to do it, but we needed to bring our mortgage current. So on XX/XX/XXXX, we made payments totaling {$35000.00} to bring the mortgage account current through XXXX. 

Unfortunately, Suntrust has not been able to apply those payments to our account properly. I have spent countess hours on the phone with them reviewing the issue with multiple people, and have been told on multiple occasions that it will be taken care of. It is impeding my ability to refinance my home, and I do not have any idea how to make my loan current. My online account currently shows an incorrect principal balance, and thousands of dollars in " unapplied funds ''. Loan payoff letters I have requested show a principal balance of over {$450000.00} and payments only current through XXXX - the principal balance remaining, with my payments made, should be {$410000.00}, and the loan should be reflecting as current through XXXX. 

Suntrust is essentially holding my money hostage, and I believe their motivation is to not allow me to refinance into more favorable mortgage terms. My ability to refinance my mortgage is being placed in jeopardy due to their inability to take action on a simple matter, where I have 100 % fulfilled my duty to them. 

I am hoping for assistance regarding this, but will have to seek out legal counsel to pursue the matter if this goes on any further.