23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I received a letter from HSBC indicating that a recent review was conducted of my online savings accounts and that due to this review HSBC was closing my accounts. In the letter it states I can access my online account to transfer money using a wire transfer. I tried to access my online account through multiple avenues ( smartphone, PC ) but could not access my account due to a " technical error ''. I then call HSBC customer service where they could not give me any information about why they were closing my account or any of my regular account information. The HSBC customer service rep told me that once I got the letter she could not give me any information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Nationstar Mortgage ( dba ) Mr Cooper -- the company holding our mortgage -- increased our escrow payment amount required for XX/XX/XXXX by $ XXXX/month ( $ XXXX/year ) 62 % [ from {$500.00} to $ XXXX/month ].  Our tax and insurance increase for the same tax period was {$340.00} ( ~2 % ) for the year which works out to an increase in monthly expenses of {$29.00} ( property tax increase $ XXXX/year ; property insurance increase $ XXXX/year ). 
We had been using excess cash to pay down our mortgage by increasing principal payments. We had asked the mortgage co. on XX/XX/XXXX ( XXXX : customer service @ XXXX ) to refund us the 3.625 % ( interest rate on mortgage ) we would have saved on that amount durning that time period. We were told they do not pay interest on escrow accounts. We find this sharp increase to be unethical and unsettling if not illegal.
Product: Student loan

I am on social security XXXX l only make {$1300.00}. After my Medicare an medical l am left with XXXX my rent is XXXX a month. I never signed any parent loan also in my divorce decree the judge granted my ex husband was dissolved from paying any student parent loan then he also granted me the same. But my XXXX check is getting garnished an l cant get in touch with the IRS I need to talk to a human being. I filled out the paperwork 3 times since last XXXX. I really need help to correct this issue
Product: Student loan

The lender began asking for payments without my knowledge, due to the fact that I changed my address. As a result, my credit score began to slowly drop lower and lower, without my knowledge, destroying my credit. I have not talked to them because I don't know how to contact them. I am willing to begin making payments but I need help resolving this error in my credit report beforehand.
Product: Credit card or prepaid card

Paypal-Synchrony refuses to remove a {$2600.00} charge from my account. I purchased an item through XXXX that was damaged. The seller, XXXX, originally offered to issue a return tag and pay return shipping as well as provide a full refund. They then reneged and would not pay for shipping. 
I filed a dispute with PayPal and won. XXXX XXXX still would not pay for return shipping. I filed a dispute with Synchrony who found in my favor and removed the charge. 

Synchrony then recharged my account on XXXX. I called them and they said they would have it corrected in 10 days and have someone contact me. No one has contacted me about this. Every time I call regarding this charge I get a different set of information. They even claimed they had no idea about the PayPal dispute which PayPal completely contradicts. They also state they have new data that states the item is non-returnable. This can not be true as the listing was deleted from XXXX months ago. 
I'm including the XXXX email transcripts with this organization.
Product: Credit reporting or other personal consumer reports

My credit report has an item that have resulted from fraud which I never benefitted from. I do not recognize this nor given consent or authorization. I have reported it to the federal trade commission but it is not removed from my report. It is stressing me out and making me anxious on why and how this happened.
Product: Money transfer, virtual currency, or money service

On XXXX, I deposited a cashiers check from another bank ( HSBC ) into my XXXX bank account. I confirmed with the bank teller that the cashiers check was valid and once it cleared it would be available as funds to me. Amount {$XXXX}. The next day, I verified the amount was cleared in my account online, I then contacted my bank to confirm the same. XXXX confirmed the amount had cleared and the money was in my account. On XXXX, I noticed the deposit was involuntarily removed from my account from XXXX Bank. I contacted XXXX who stated the money was removed and could not tell me why other than I should contact the issuing bank? I asked to speak to a supervisor who gave me the same information ( XXXX ). I advised the bank representatives that once they cleared another banks check, and deposit that money in my account, they can not arbitrarily remove it. If there is a dispute, it is their responsibility not mine. On XX/XX/year> I contacted HSBC bank customer service and spoke with XXXX XXXX who could not provide me any information about the cashiers check that was issued by his bank nor give me a reason why they would issue a cashiers check and why the cashiers check " bounced '' after being cleared by both banks ( XXXX and HSBC ) XXXX He instructed me to contact the remitter whom I do not have contact info with.
Product: Checking or savings account

On XX/XX/2022 I was the victim of a XXXX scam. My bank is Bank of America. I immediately called them to file a claim. With the scam I ended up losing {$1000.00}. My bank is supposed to have measures against scams like this, but they do not. They told me that they can not give me my money back. I have been with this bank for over 10 years, and they should show a little more loyalty and compassion.
Product: Credit card or prepaid card

I applied for and was approved for a Citibank Diamond Secured Credit Card and Citibank took {$2000.00} from my Citi checking account as security to hold for 18 months. 
When I started to use the card it was immediately blocked for " security reasons '' that was around XX/XX/XXXX ( I received the card on XX/XX/XXXX ). 

I called Citicards to unblock the card ( They outsource to the XXXX and the phone lines are terrible ), but they said they wouldnt as they couldnt verify me through my Cell phone number ( Citibank dont have this problem for my checking account which still works fine ). 

They said they would send me a letter with a code to verify, no letter turned up Ive since called them 4 times and 4 letters have been sent but none received. 

They asked if I had another card with another bank, so I got a card from XXXX, but now they say they cant use that other card to verify as its too new, I asked how long do I need to hold a card and they refused to tell me. 

Im now stuck with {$2000.00} taken from my bank account and a blocked card Citi refuse to unblock, should I just take them to Small Claims court to recover my {$2000.00}? 

From where Im sitting this appears to be nothing than a bait and switch scheme by Citi, taking money from customers who are trying to build their credit and then refusing customers access to those funds, some would call this fraud. 

Ive also reached out to Citibanks Executive Response Dept but havent had a reply, that was on XX/XX/XXXX.
Product: Mortgage

On XXXX XXXX, 2017, I received a 3rd denial letter from FBC stating I am ineligible due " income is insufficient to qualify for any foreclosure alternative programs at this time. '' I submitted a complaint about FBC not properly calculating my income and they admitted fault and I had to resubmitted paperwork to once again prove income. For 14 months, I 've been fighting with FBC by sending the requested documents and waiting the allotted time for an approval only to be denied again. My income and debt to ratio are not being properly calculated for my loan to be reinstated.
Product: Student loan

Navient does not have a record of payments made between XXXX and XXXX. They suggested contacting Federal Student Aid about the matter. FSA sent a letter indicating that " the last federal student loan reported is a FFEL Program Consolidation Loan that is paid in full as of XX/XX/XXXX. The loan is now in forbearance and Navient claims I owe around {$17000.00}.
Product: Checking or savings account

XXXX XXXX XXXX XXXX  TX charged my checking account with a {$250.00} security deposit then offered me an uninhabitable apartment which someone had taken a sledgehammer to and smashed the dining area window and the balcony floor cracking it to the point that I could see the patio of the apartment below through the huge cracks. The apartment manager told me she would put me on a waiting list then never called and did not return any of my many calls requesting an update on the status of my waiting list position. I have since located other living arrangements and have a move-in date for next Wednesday XX/XX/XXXX. I contacted the apartment manager through their website but have not received a response in regard to my request for a full refund of the security deposit and have requested my bank to refund the money to my account through an EFT dispute. My bank account is overdrawn, and I need the money returned to my account urgently.
Product: Credit reporting or other personal consumer reports

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXX and XX/XX/XXXX for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXX but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other AddresXXXX 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were made around the same time last year when I was XXXX  that I do not recognize nor did I authorize ; Jpmcb Auto XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Debt collection

I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing
Product: Checking or savings account

I received my {$5000.00} check from the State of CA. I deposited it on my account last XX/XX/2018 and there was a hold. I called the customer service about the hold and I was told it is federal regulations and I am ok with that. However on Saturday, XX/XX/2018 after I checked online, all the funds were released. However, last XX/XX/2018 my account was blocked and was told that there is fraud in my account due to the check that the State of California Return to Work Supplement Program sent to me. 
Upon knowing that my check was cleared, I started paying bills and credit cards. However, they were all returned due to the blocked that Citibank put on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account with XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I never received a dunning notice from US Collections West. Upon request for validation US Collections West did not provide the requested documentation.
Product: Debt collection

I disputed this account with Aargon last month and I have received nothing from them at all. this is a violation of the FDCPA and FCRA. They have to send me information if I request it as they are reporting on MY CREDIT. PLEASE HELP ME!
Product: Mortgage

While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX
Product: Debt collection

This debt is not mine. 

XXXX XXXX XXXX Acct. XXXX XXXX XXXX, 2016 {$410.00}
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and saw reports from all authorized accounts as listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom it may Concern Im writing this letter in regards of my credit standing. I would like to dispute the negative remarks from XXXX XXXX XXXX ( both accounts ), the information is inaccurate and I was not aware of one of the accounts closing. I paid them {$170.00} and I had no idea the account was closed at the time. For both accounts Ive tried to work a payment plan but was refused which is frustrating and its reflecting on my credit report. If any resolve can come from this please let me know.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have demanded that these agencies remove the accounts from my credit report, as I did not give permission for them to be there. I am a victim of identity theft, and Experian has used and furnished my data illegally.
Product: Checking or savings account

AFTER THESE GLORIFIED CROOKS CLOSED MY ACCOUNT, THEY ACCEPTED A PAYMENT FROM XXXX XXXX PLAN OF {$680.00} THAT WAS DIRECTLY DEPOSITED ON XX/XX/2020. THEY WOULD NOT ACCEPT A PAPER CHECK PAYMENT THAT I TRIED TO DEPOSIT TO KEEP MY ACCOUNT OPEN OR AT LEAST REOPEN IT AND THEY CLAIMED THEY COULD NOT ACCEPT IT BECAUSE IT WAS ALREADY CLOSED AND YET THEY KEPT MY DIRECT DEPOSIT PAYMENT I WORKED HARD FOR OF {$680.00}. HAD THEY RETURNED THE PAYMENT TO XXXX, I WOULD HAVE BY NOW GOTTEN A PAPER CHECK FOR THIS AMOUNT. BUT INSTEAD, XXXX, ACCORDING TO XXXX  WHOM I SPOKE WITH ON XX/XX/2020, SAID THE FUNDS WERE ACCEPTED AND ASSIGNED THE EFT NUMBER XXXX ON XX/XX/2020 AS MENTIONED ABOVE. I AM DISGUSTED THAT SUCH A THIEVING FINANCIAL INSTITUTION WHO NEVER HELPED ME WITH MY SMALL BUSINESS WOULD COMMIT SUCH THIEVERY WITH ALL THE MONEY THEY MAKE SUCH AS OWNING A STADIUM  FOR THE XXXX XXXX CAN BE SO XXXX. I AM WITHIN MY RIGHTS TO CALL THE FBI FOR WIRE FRAUD COMMITTED BY THIS THIEVING FINANCIAL INSTITUTION.