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

On XXXX XXXX an HSBC US Relationship Manager accepted my instruction to renew my maturing CD account ( ending XXXX ). On XXXX XXXX I noticed that my credit card account ( ending XXXX ) shows a XXXX available credit, and a customer representative told me that HSBC US is closing my card account due to rules of deposit account. The representative specifically told me that no action is being taken against my other accounts. During a further phone call with customer representative on XXXX XXXX I was informed that all of my accounts are being closed and HSBC US is terminating business relationship with me. During a subsequent phone conversation with a Relationship Manager via phone on the same day, I was offered no explanation on why the CD renewal was accepted but all of my accounts were subsequently closed, or any particular reason why HSBC US severed relationship with me.

I believe that HSBC US is conducting unfair practice as : Had I known that my account is closing, I would not elect to renew my CD, as I would have known HSBC US will not honor the agreed term and rate due to early closure before maturity. Therefore, considering the time from making decision of closure to initiating account closure ( I have no idea about the starting time of available credit freeze on my credit card account ), HSBC US is aware that a closure is imminent when accepting my renewal instructions, but still indicated that all accounts are in good standing. It is impossible for me to avoid the injury of losing access to account and spending power, losing potential ( and mutually agreed ) interest income, and temporary lock up of funds during account closure processing and check mailing, as HSBC, with the intention of account closure action, indicated that they would still accept my deposit but changed their attitude immediately afterwards. I also do not see how this practice benefits customers or HSBC : if HSBC decides, for whatever reason, that a specific customer is commercially unviable to transact with, then the inconsistency on deposit acceptance will only increase risk and hurt customers trust in the financial institution. Adding insult to injury, HSBC US elects to offer no explanation on any of the issues above and no possibility of reconsideration of decision. 

I also believe that HSBC US is also potentially engaging in deceptive commercial practice in accepting a CD deposit with the intention of terminating the account immediately afterwards. The blanket defense of right to close account anytime for any reason does not work here : a reasonable customer would not choose to do business with a financial institution who, in effect, is engaging in a transaction, a portion of which the business is not intending to uphold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been on hold for over 4+ hours but TransUnion will not answer.
Product: Bank account or service

XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full Amex credit card back in XXXX, but it still shows as delinquent account in my credit report, and therefore, It has been affecting negatively my credit score since then. I have contacted the credit company to fix this error back in XXXX but until now this problem hasn't been resolved yet.
Product: Credit reporting or other personal consumer reports

It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!
Product: Debt collection

On or about XX/XX/XXXX I applied and received an equity line of credit from XXXX XXXX XXXXfor {$83000.00}. In XX/XX/XXXX I lost my job. I made payments on this account until XX/XX/XXXX. I was not able to find full time employment until XX/XX/XXXX. In the interim my account fell into arrears and was forwarded to collections. In XX/XX/XXXX ( once I became employed again ) I applied and received a mortgage modification with XXXX XXXX. I then contacted XXXX XXXX XXXX. XXXX XXXX  had gone bankrupt in XX/XX/XXXX/XX/XX/XXXX. I was told to contact XXXX XXXX, a collection agency, ( XXXX   ) XXXX and spoke with a XXXX XXXX XXXX. I agreed to pay {$350.00} per month. In XX/XX/XXXX my account was forwarded to XXXX XXXX XXXX, all the while I am paying the agreed upon amount of {$350.00}, the account was current. My account was with XXXX XXXX XXXX until XX/XX/XXXX when my account was forwarded to LoanCare. My XX/XX/XXXX Payment was returned stating the payment was insufficient. In XX/XX/XXXX I contacted XXXX XXXX XXXX   and was informed by rep. XXXX XXXX  that my account was {$20000.00} in arrears.

Upon receipt of my XX/XX/XXXX payment rejection I attempted several times to contact LoanCare via telephone ( XXXX  ) XXXX and ( XXXX ) XXXX.This occurred during the week of XX/XX/XXXX. If someone did answer the phone I was either transferred to a number that rang that no one answered or the call was disconnected. Later that week I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) and was told the minimum payment that would be accepted would be {$700.00} per month and despite making an agreement with the initial collection agency- XXXX XXXX  and never missing a payment my account was even more in arrears than in XX/XX/XXXX.

This communication is sent to complain about this situation and to question what happened to my original agreement with XXXX XXXX XXXX? I have been paying this account for the past 4 years and yet the debt is deepening. I am demanding an answer from Loan Care and I need this answer in writing not a series of disconnected phone calls.
Product: Debt collection

Recieved 3 calls from this collector during working hours.. 

Date : XX/XX/2021 Times : XXXX XXXX XXXX XXXX I answered the call at XXXX, not knowing who the caller was. During the call I informed her I was at work and could not talk. She argued with me even after I told her to call me tomorrow on my off day. She threatened to place this on my credit and also continued to attempt to get my financial information.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX  Compliance, We are writing as a collective group of defrauded students and XXXX  who attended XXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX  states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions.

Discharge all loans associated with fraudulent practices, including consolidated loans.

Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used PayPal to purchase a qualification package that can play the game in advance on XX/XX/year> for {$100.00} on the official website [ XXXX XXXX XXXXXXXX ]. The payee was shown as PAYPAL XXXX XXXX '' on my card statement. However, the key I received showed that this product can only be used on XXXX XXXX platform. I contacted the customer service of XXXX and asked if your product can be used on XXXX console in the future. The customer service said no, so I re-purchased a usable qualification package on the XXXX website and contacted the customer service to help me refund the XXXX XXXX version. The customer service refused. I filed a dispute on PayPal, and PayPal also refused my refund. My complaint is that the merchant did not indicate in the product description that this product can only be used on XXXX XXXX and can not be used on XXXX console platform. And shouldnt PayPal protect the rights of buyers?
Product: Debt collection

I was affected by XXXX and the XXXX at XXXX XXXX  apartments wasn't taking the XXXX funding from the government to help with back rent that was owed due to XXXX XXXX
Product: Debt collection

almost every year someone from this company calls me to pay a traffic ticket and even they send me a letter to pay the ticket on their website. They act as if they are part of the police or high way patrol and or affiliated to them. Their collection letter looks the same. Perhaps they have those affiliations. But if a company uses their affiliation and call every year for a bogus claim that means they are using their power for fraud. It not possible that every year they have computer problem. or forget to close the file in the system and it was someone else fault. They are for sure doing fraud.
Product: Debt collection

There is an outstanding debt of XXXX owed to XXXX XXXX XXXX. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to XXXX to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. 

XXXX has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( Pressler, Felt ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to Pressler regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is currently close and this can put my credit in jeopardy.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am filing a formal complaint against Equifax regarding multiple unauthorized credit inquiries that have been placed on my credit report, which I believe were made without my consent. I contacted each creditor associated with these inquiries, and they were unable to provide any explanation or documentation proving that I authorized these inquiries. 
Under the Fair Credit Reporting Act ( FCRA ), only authorized parties with a permissible purpose may request my credit report. I assert that these inquiries violate my rights, and I am requesting their immediate removal. 
I have already contacted Equifax directly, but no resolution has been provided. As a result, I am seeking your assistance in ensuring that these unauthorized inquiries are removed from my credit file. 
Please refer to my case, which I have detailed in the enclosed correspondence with Equifax. I appreciate your prompt assistance in this matter. 

Dear Equifax Dispute Resolution Team, I am writing to formally dispute multiple unauthorized credit inquiries that appear on my Equifax credit report, which I believe were made without my consent or knowledge. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ), a credit inquiry can only be made by a party with a permissible purpose and with my express authorization.

The inquiries in question, which appear on my credit report under the above reference dates, were not authorized by me. I have contacted the creditors associated with these inquiries, and I have been informed that they are unable to provide any details or documentation about how these inquiries were made, nor could they confirm that I authorized them.

Under FCRA Section 1681c-2, I have the right to dispute and request the removal of any inaccurate or unauthorized information on my credit report. Furthermore, under the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving my request. 

I demand that Equifax investigate these unauthorized inquiries, remove them from my credit report, and provide me with written confirmation that this action has been taken. If these inquiries are not removed within the required time frame, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state authorities. 

Please respond to this dispute promptly, and I expect full removal of the unauthorized inquiries. I have attached a copy of my credit report with the relevant inquiries highlighted for your reference. 

Thank you for your prompt attention to this matter. I expect immediate action, as my creditworthiness has been negatively impacted by these unauthorized inquiries. 

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

I have a loan with BANK OF AMERICA N.A. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
BK OF AMER XXXX Date Opened : XX/XX/ Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc for bankruptcy that lexisnexis is reporting XXXX XXXX and other information about me is not correct filed FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

All the credit bureaus, Transunion, XXXX andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX  recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.
Product: Checking or savings account

I have been banking with ally bank for about 2 years now. I recently began experiencing issues with identity theft as well as unauthorized usage. I follow the baking rules and file the claim online and submit statements in writing with regards o what I think occurred. This last time I was violated in early XXXX and filed a claim. I was told my new card was ordered and on the at. I started receiving notifications before XXXX XXXX that my card was being declined for charges. I went to check online to see what occurred only to be told that my account is locked and I have no access. I reached out to ally bank and spoke with an agent who asked a series of questions and assured me that by Monday of the following week, I will have access or someone will reach out to me. I didnt hear anything and reached out again and was told it may take an additional week, I called this morning and spoke with an agent named XXXX who advised me that there is no timeframe and I will just need to wait. Meanwhile I have no access to my funds. I asked what is going on and the agent hung up the line. I called back and spoke with investigator XXXX who advised that there is currently a filed dispute with ally bank. She looked at the account overall and the checking account over the past 6 months it had been many disputes. I explained to XXXX that I am a victim of identity theft and went through a similar occurrence with XXXX XXXX XXXX. She continued to ask routine questions and then moved on to advise that with the loss prevention department, they dont have any process or handle with disputes. There was no regard for what I advised and she just explained that this process is not familiar and they are concerned with fraud and security but not me as a customer.
Product: Credit card

I paid for a hotel stay in XXXX 2016 with my Discover card, and subsequently disputed the charges based on the mold and other health issues in the room, lack of promised services, and property theft by hotel staff. Discover processed the dispute, placed it in my favor by completing a chargeback, and then reversed it today claiming their charges were correct. I have disputed this several times with the company and with Discover, and Discover refuses to handle the issue professionally and appropriately.
Product: Student loan

I was robbed of my whole student loan check and I have a police report to prove it
Product: Debt collection

I have never received anything showing items they claim I owe not sure its even my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputing the account XXXX  with credit reporting agency EXPERIAN. all attached documentation is being provided showing no alleged debt. The collection Agency XXXX XXXX has no record of anything in the system for ( attached in documents ) me and has no Authorization or license to do buisness in the state of Michigan. The account has been charged off and written off as a loss from the original creditor XXXX. Collection agency can not collect on a debt that has been written off and used for the consumer to properly access and file on a federal income tax. As stated Income can not be reported to a consumer report. XXXX has no rights to report to my consumer report as they have sold the debt to a third party. Only the collection agency should be reporting. However as stated the collection agency has no proof of anything in the system for me
Product: Bank account or service

My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never live in the state of Georgia I never had any charges in the state of Georgia on your report it says that I had lost my license due to substance control code 893 Ive never been in Georgia never live there so whatever you have from that state is very very in accurate and I would like it removed from this report
Product: Money transfer, virtual currency, or money service

As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$25.00} for a incoming international wire transfer dated XX/XX/2018. I had been given different explanation about the charge when contacting with Chase customer service representatives. One explanation is it was charged by sender 's bank. Second was it was charged by intermediary bank.  Third was it was charged by Chase following remitting bank 's instruction. I told them sender 's bank already charged their fee of AU {$12.00} and it was debit from balance of the account it was printed out in the transaction report. If there was intermediary bank,  please provide information of the bank name and transaction reference id which they refuse to provide the information. For the third explanation, it's ridiculous because senders bank would not benefit from the charge so why they would instruct Chase to take my money and why Chase has obligation to follow such instruction. Chase has no right to take my money without my acknowledge and agreement. I have records of all the responses from Chase customer representatives. I think it is ripoff for Chase to charge undisclosed fee. I want a refund.