23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

HSBC BANK USA, NA Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX RE : credit card ending XXXX XXXX XXXX XXXX. 

HSBC Bank USA was double paid ( paid twice ) for the same credit card balance and is proving uncooperative/negligent in refunding/returning an excess balance payment of {$1300.00} to me. I called one month ago and the HSBC customer service agent fully acknowledged the excess payment and said a check in the full amount would be sent out expeditiously. They have not honored their word and seem to be attempting a fraudulent cover-up of receiving both payments by selling a closed account to a different financial company in early XXXX. The account was terminated in XX/XX/2022. There is and was no active account to sell to another company and they have not returned my excess balance. Therefore I believe fraudulent cloaking of payment is being attempted. 

Both payments were made to and accepted by HSBC Bank. On XX/XX/2022, I paid HSBC {$1300.00} from my XXXX XXXX XXXX Account. Confirmation # from HSBC is XXXX. ( see attached ). Two weeks later XXXX XXXX XXXX, XXXX XXXX mistakenly paid HSBC the same amount for the same due balance, ( see attached ) A double payment is held by HSBC.

Please notify HSBC Bank to either send me a check in the overpayment amount of {$1300.00} or return/refund that payment to my XXXX XXXX Checking Account or return/refund payment made by XXXX to XXXX. 


***This is only one of three problems I have had with HSBC . HSBC practices deceitful, predatory business methods. 


Thank you for your time and assistance! 
XXXX XXXX
Product: Checking or savings account

I had my Wells Fargo account years ago and they kept charging over drft fees even if there was money in the account. Well I closed the back and I just saw something about there being a settlement for them and wanted to make sure I wasn't part of the once that where effected and needed to receive compensation for it
Product: Credit reporting 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 confidentially under 15 USC 1681. 

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Checking or savings account

I had a Joint checking account with my wife in bank of America, we are in a divorce proces now. When we where broke our relationship, she get all the money to the account and overdraft the account in {$2300.00}, then she blocked my access to the account and then, she closed the account. After that I opened a new personal checking account in the same bank, and after a month, the bank get from my personal account {$1400.00} and that was applied to the negative balance in the other closed account. I called to the customer service explaining the issue but they said " the bank have the right to take money from your accounts to pay debts. What I can do?
Product: Credit reporting or other personal consumer reports

Mailed several letters to Experian and XXXX that the hard inquiries were not mine. These letters were first sent XX/XX/year>. The letters had my signature attached to them. The have not complied to my request to show proof or remove the hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter Last XX/XX/XXXX to remove/delete these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXXXXXX 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 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
Product: Debt collection

In XX/XX/XXXX, I received a collection from XXXX of {$150.00}. I disputed it and it was removed from my credit report. Today, XX/XX/XXXX, Afni ( a different collection agency ) called and said I owed for the debt. They have not filed it to my credit report yet. They also will not proved the original debt. I asked for documentation of the original debt and she emailed me a login page to the company ( XXXX ). I also asked 3 times to dispute it again, and she ignored my requests. I also have not received anything in the mail from Afni, like they claim they sent. She claimed Afni got my debt back in XX/XX/XXXX and this is the first time I am hearing from them. 
This debt they claim I have is also from XXXX. 
The debt is {$150.00} and Afni said they would settle with {$76.00} as of XX/XX/XXXX Ive attached the email they sent when I asked to provide me with documentation. As its just a login page, that I cant even login to because I dont have an account with them. Ive also attached pictures of my credit report of when I disputed it and after when if was taken off.
Product: Mortgage

American Servicing Company, also known as Wells Fargo Back unlawfully preyed on me with my mortgage loan. ( predatory lending ) My credit score was over XXXX and they told me I was receiving the best rate possible. After the loan was completed I was told by several mortgage bankers that my interest rate was not commensurate with my credit score. It was much to high. I have since learned that ASC/Wells Fargo has been charged and plead guilty to predatory lending on minorities. I am filing a complaint with the CFPB. I also received a loan modification from them stating they could not lower my interest rate. Once again lying to me. I understand loan modification rates can start as low as 2 %. I am requesting the CFPB assist me in my petition to have ASC/Wells Fargo lower my rate because of the predatory lending they pulled on me. 
Respectfully, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015 I received in the mail a notice from Penn Credit Corporate, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for a delinquent bill. I live in XXXX and never lived nor visit XXXX Demanding {$45.00}. For a public service bill. For my previous address. However I did not have a XXXX account. If I did I would have assistance due to low income. I did not receive a bill from XXXX itself. I would never be negligent paying my bills. This is very upsetting. Therefore, I think it 's a scam ... Thanks
Product: Checking or savings account

XX/XX/2024 mobile deposited a valid check for a valid check amount {$75.00} issued by XXXX XXXX XXXX XXXX. Received an email that check was rejected : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or remitter not being able to verify the details on the check. This check has not been cashed and you can still attempt to cash it with someone else, but do not attempt to redeposit it to your Chime Checking Account. '' Called and eventually spoke to a representative after navigating various menus. Representative repeated the above message with no additional information. After asking calmly and politely for a supervisor I was put on hold and then disconnected.
Product: Credit reporting or other personal consumer reports

I have a a lot of credit hard inquiries from chase and its within short period of times. Looking to remove all off chase hard inquiries on my report. They have not and will not accept me. Its effecting my credit score significantly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported for missing a payment in XX/XX/XXXX. I have not had a running balance with this creditor in 4 years. They charge me a fee of XXXX a month. I have had a great payment record of this fee for the last four years. In the midst of eveything going on this year I don't have the patience for a negative credit mark on a FEE. I don't even have the physical card. There has not be a swipe on that account or a delinquency in some time. 

XXXX XXXX XXXX should remove the monthly fee ( what am I paying for ) and correct their report to my credit in XX/XX/2020 of a missed payment. Again, there is no actual charge or running balance on the card. ZERO purchases on this card. 

Thank you.
Product: Debt collection

I do owe any balance from XXXX  XXXX  XXXX XXXX. I deposited {$1200.00} but I did not even stay in that place for a month. I paid XXXX   XXXX  XXXX XXXX on the XXXX of the month but by the XXXX I already moved out. I talked to the secretary and says it's okay and I returned the key. I thought that there would be no issue with me moving out since they still have my deposit. But I was shocked to see FCO ( FAIR COLLECTIONS & OUT ) on my credit report collecting $ XXXX.I paid for the whole month even I only stayed for half of the month so I do not understand why FCO ( FAIR COLLECTIONS & OUT ) is collecting {$1400.00} on their behalf. I do not understand why FCO ( FAIR COLLECTIONS & OUT ) has my information or even collecting money from me. I am afraid that with this my information has been compromised. Also, this account put negative remarks on my credit score. I am not obligated to pay for the alleged debt and it should be removed from my credit report. FCO can not just collect money from people without verifying if the balance is valid or if they should collect it in the place. XXXX  XXXX  XXXX XXXX should more responsible for handling customer 's information and verifying if there is money that needs to be collected to the customer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days.
Product: Mortgage

I initially had a mortgage with XXXX XXXX, but due to a loss of employment due to the COVID-19 I was unable to remain up to date on my HELOC, and my Loan was given to Selene Finance . I applied and received funds from the North Carolina 's Homeowners Assistance Fund ( NCHAF ) in order to bring my loan recurrent in XXXX of this year. {$40000.00} was given from this fund, as well as {$12000.00} of personal funds in order to bring the loan reinstated. NCHAF in XXXX and Selene added it to my account partially on XX/XX/XXXX and fully added on XX/XX/XXXX totalling {$52000.00}. 

On XX/XX/XXXX payment was given to Selene Finance for the amount of {$1200.00} ( noted in the attached Bank Statement Document ). We reached out to Selene Finance as when I checked my account the next day it still stated that the {$1200.00} was one day late. A representative from Selene Finance assured us that the payment would be updated by the end of the week. Despite this on XX/XX/XXXX a false late charge in the amount of {$27.00} was charged to my account. I called several times during the month of XXXX and they assured me that the late charge would be removed and it would take just a couple of days to update. Instead, these funds were added to my " suspense account ''. I was also told by a representative of Selene that there were extra funds within my Suspense account due to the loan reinstatement and I would be able to add these funds for my XX/XX/XXXX payment, as my suspense balance amount was {$2500.00}, which is more than enough for the XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a representative on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, regarding this matter who all assured me that the funds would shortly be posted. 

However, these funds have still yet to be updated. On XX/XX/XXXX the payment was removed from suspense, showing a mortgage payment of {$2500.00}. However, my account still displays that the XX/XX/XXXX payment of {$1200.00} is now 55 days overdue as of ( XX/XX/XXXX ). With an additional late charge of {$27.00} on XX/XX/XXXX. 

It is also worth mentioning that there are foreclosure fees on my account reflected in the billing statement, however, I was told that these payments can be made in smaller increments monthly by a representative from Selene on XX/XX/XXXX. 

The company is charging late fees that are false thus burning through leftover funds using late fees reducing the amount they are meant to apply to the principal. Due to the fact that they are applying fraudulent late fees to my account, I feel a more thorough investigation of this collection agency and how they receive and credit Covid funds that are bestowed on Americans hit hard by the Covid crisis. I would greatly appreciate your consideration in assisting me with this matter as quickly as possible as this Company 's suspicious behavior and sending of invoices to me with information that is both incorrect and wording that is threatening and meant to intimidate reflecting a false amount of money that they insist is past due, racking up late chargers. Please find the attached documentation pertaining to my dealings with Selene thus far.
Product: Credit reporting or other personal consumer reports

Paid the following accounts and balances have not been updated : XXXXXXXX XXXX  The bureaus- XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

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  Credit Card Company Name : XXXX XXXX XXXX Date of Fraudulent Activity : XX/XX/2024 * Date of Investigation Completion/Account Credit : XX/XX/2024 * Late Payment Reported : XX/XX/2024 I immediately reported the theft of my card and worked closely with my credit card company to resolve the issue. The company completed a thorough investigation under the provisions of the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized charges on stolen or lost cards. They confirmed the fraudulent charges and credited my account for the full amount. However, despite the resolution of this fraudulent activity, they have refused to remove the late payment notation from my credit report. 
Legal Basis for Removal : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) : Under the FCRA, credit reporting agencies must ensure that the information they report is accurate. If an account is reported as late due to fraudulent activity, that information is inaccurate and should be corrected or removed. 
XXXX. Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) : The FCBA specifically addresses unauthorized charges on credit card accounts, stating that a consumer should not be held responsible for fraudulent charges once the card has been reported as stolen or lost. The law requires that credit card issuers promptly resolve fraud claims and ensure no negative information is reported as a result of such fraudulent charges. 
In this case, the XXXX late payment reported on my credit report is inaccurate because it directly resulted from unauthorized charges made with a stolen cardcharges that my credit card company has already credited back to my account following an investigation. Since this late payment was not due to my negligence or oversight, but rather the result of fraud, it should be corrected under both the FCBA and FCRA.
Product: Credit card or prepaid card

I called Security Team at Citi Bank and they said they could not help me! 
They told me if I could not give them the exact number of the card from almost 1 year ago between XX/XX/XXXX-XX/XX/XXXX then Their was nothing they could do to help. 
I was astounded!! 
I told her, " I have the statements in front of me, in my hand that were sent to me by Citi Bank and you are saying we won't help you because you may have shredded your old card? '' 1. THIS IS HORRIBLE CUSTOMER CARE 2. THEY KEPT SAYING THEIR US NO CARD # XXXX ON FILE WITH MY NAME ON IT ; THIS IS IMPOSSIBLE AS I'VE PROOF 3. THEIR IS A CARD ENDING XXXX TGAT " IS NOT MINE ''!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for loans and getting turned down. I realized on my XXXX credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX They alos show XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX under Collections. 

Equifax is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XXXX is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a complaint and Experian agreed to remove the inaccurate information from my credit report, its still reporting incorrect information. According to the FCRA this should be considered a violation.
Product: Checking or savings account

I deposited a paycheck on Tuesday XX/XX/XXXX, at my local Chase ATM like I normally do every time I get paid for over the past year. The deposit normally goes through fine and I dont have to wait any period of time to access my funds. This time however, Chase has placed a random hold on the deposit for 9 day hold on the deposit. I have called my boss and he has verified the check is good on his banks side. I have also called Chase and they just told me its a random hold and all I can do is wait until the XXXX, but even then they said theres a chance they can hold it even longer. Meanwhile my account has a negative balance and is racking up charges due to insufficient funds and theres nothing I can do. I cant feed my children, wife or pets with no money.
Product: Debt collection

have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Mortgage

My mortgage holder is Caliber Home loans. In 2015 l made mortgage modification. According to my mortgage modification agreement with Caliber Home Loans l have to pay my premium, interest and Home Owners Association fee to Caliber Home loans and they have to pay my HOA fee to XXXX ( my home owners association ), every month. By some reason Caliber do n't pay regularly. As a result of this I have big problem with my HOA. They want to cancel my occupancy agreement. All attempts to get in touch with Caliber Home Loans officials does not have any results.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

Review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are reporting me as late.