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

In late XXXX, I opened an additional savings account with HSBC Bank USA - called a Premier Relationship Savings Account. The Account is tied to the Premier Checking account I have had since XXXX. 

The features of the savings account were that you would receive a much higher " relationship '' savings rate if in the previous month you completed certain tasks like make a direct deposit or use the debit card. 

For many months I had my paycheck deposited into the Savings Account, and had always received the special savings rate ( far in excess of the basic rate ). 

Suddenly in XX/XX/XXXX, I stopped receiving the high interest, and only received {$4.00} on a {$100000.00} balance instead of expected {$400.00}. This happened again in XX/XX/XXXX, and I only noticed both months ' issues in XXXX when I contacted HSBC. 

I later learned that HSBC had made a mistake. I was a former employee of HSBC ( XXXX ) and they had coded my account as an " employee '' and it was only because of this code that I was receiving the higher rate. In fact, my deposits had nothing to do with it, because I accidentally had them made to the " Savings '' instead of the " Checking '' account. 

While it seems I made a mistake, I was relying on the same actions from every single prior month, and of course, when suddenly the interest rates were much higher later in XXXX, HSBC seems to have turned my account off without notifying me.

HSBC claims I was properly notified of their mistake - and I never received ANY notification of their error - otherwise I would have reviewed all my actions and made sure that I was eligible for the higher rate on my own. By failing to properly notify me of their mistake, they cost me the opportunity to " fix '' what appears to have been my own misreading of their very confusing promotion! ( Who would have noticed that it mattered which account you deposited funds to. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX FIN XXXX Balance Owed : {$680.00} XXXX FIN XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CAR XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX, around XXXX XXXX, I went into a XXXX XXXX XXXX in XXXX, NM. I went to the ATM to pull XXXX out to pay some bills. The ATM gave me a receipt saying it dispensed XXXX but it never did.The ATM is a CHIME ATM, as my account is with CHIME. I called Chime and was told to just keep a look out for my money and if I don't see it call back. The camera has to show I didn't get my money. It's XXXX and the idea of the bank taking XXXX from me for no reason and not give it back has me furious. Please help me resolve this issue.
Product: Vehicle loan or lease

In XXXX of XXXX we completed the purchase of a previoly ordered new vehicle with XXXX XXXX  in XXXX Texas. During the transaction there were several items added to the loan which were then appropriately cancelled & agreed in writing to be returned within a 6-8 week time period directly to FORD CREDIT , the loan leinholder. I have followed up 6 times ( XXXX XXXX XXXX XXXX  Twice in XX/XX/XXXX, Twice in XXXX XXXX  ) with the dealer asking for verification of resolution and have not received a clear response nor resolution. 

Additonally, I communicated with FORD CREDIT ( lienholder ) several times and they have shared that for each pending item, they still seemed to be sitting with the dealer to appropriately remit payment to them so that my principal balance & interest being paid on that amount would reflect the ~ {$10000.00} reduction. I have paid ~ {$400.00} in additional interest not including additional taxes paid at the orginal XX/XX/XXXX purchase that have also not been accounted for. 

The items that have not been able to gain resoution are as follow : AFTER MARKET WARRANTY CANCELLATION : I provided in time cancellation of after market warranties in XX/XX/XXXX working with XXXX XXXX for the warranty cancellation. Warranty company has confirmed XXXX XXXX has yet to submit the payment to XXXX XXXX but they confired it was provided to their team in XX/XX/XXXX. ( {$3700.00} ) AFTERMARKET FEE REQUIREMENT : Regarding the mandatory aftermarket fee that was charged and could not be removed to close the deal on the purchase originated XX/XX/XXXX ( Delivered in XXXX XXXX ). The XXXX XXXX team agreed to remove and refund this {$3500.00} mandatory fee. Yet to be credited. ( {$3500.00} ) {$1000.00} overage of DEPOSIT CREDIT from XX/XX/XXXX down payment to reserve reservation. This was not applied to purchase price down payment and was said to be returned to use directly via mail or direct payment to FORD CREDIT loan balance. ( {$1000.00} ) DIFFERENCE FROM ORIGINAL CONTRACT PRICE agreed to be honored as Ford changed price 6 months after original ( XXXX XXXX ) order. Ford was to return return of ( ~ {$2500.00}, w/ tax included ) We were told they would be submitting payment for these items at the latest beginning of XX/XX/XXXX and FORD CREDIT has still not received these adjustments. 

XXXX XXXX credit to FORD CREDIT i calculate as : {$10000.00} plus any applicable taxes or finance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio recovery is continuing to report inconsistent information between XXXX XXXX  and XXXX making this account to be reporting inaccurately. I have wrote portfolio recovery a letter XX/XX/XXXX based on errors to the address they provided me on a response letter as their disputing address. when I checked too see if they had received my certified letter to their disputing address tracking number XXXX, to my surprise they did not. I am convinced this address they provided is not the valid address they are requesting for me to send my disputes to. I have also tried disputing with the XXXX consumer reporting agencies based on the running of reporting time because all XXXX bureaus are reporting different dates. XXXX reports estimated month and year this item will be removed is XX/XX/XXXX, XXXX  reports on record until XX/XX/XXXX and XXXX reports the date of first deliquency is XX/XX/XXXX. to my understanding the running of reporting time date should not be fluctuating because it manipulates the time frame for this account to be federally removed. I have received my recent results form experian and they had updated this account. they did not fix the error I had previously brought to their attention based on this same error. portfolio recovery is violating the FDCPA and also FCRA by furnishing inaccurate information and denying there are any inaccuracies that they are furnishing on my private consumer report. I have provided proof
Product: Credit card

I received a bill XX/XX/2017 from Citi Bank ATT Universal Card. I noted a late fee of {$24.00} on my statement. I never pay a bill late, and this is reflected on my credit reports. I asked what the charges of {$23.00} were for, and the charges from XXXX XXXX and XXXX XXXX XXXX are correct. I paid {$23.00} online through my XXXX account. I always pay online the day I get a bill. I called customer service, and the agent could not help. I asked to speak to a supervisor. I spoke to XXXX XXXX in XXXX at approximately XXXX XX/XX/XXXX in attempt to correct the error. I did not get the bill for {$23.00}, and Citi Bank has tarnished my credit report while collecting {$24.00}, which I paid today after a resolution could not be reached. I paid it because of my credit score - not because I owe it. My credit card number is XXXX XXXX XXXX XXXX. I have also written a letter to Citi at XXXX. XXXX XXXX in XXXX XXXX, XXXX XXXX. I suspect fraud and want to report it and want a refund in the amount of {$24.00} for the so-called " late fee. '' I have no incidents like this with any company, and my credit report goes back decades. Please help, as I 've lost {$24.00} that I do n't owe but paid due to my credit report. My phone number is XXXX, and my email is : XXXXXXXXXXXX I can send you a credit report if you like but will need to unlock my security freeze. Thank you. XXXX XXXX
Product: Debt collection

Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, XXXX and XXXX XXXX and a company called Tempoe LLC. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, Tempoe, and they have ignored all my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Student loan

I have a loan with DEPT OF EDUCATION/NELN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and DEPT OF EDUCATION/NELN with no successful resolution. There was definitely an error on their part.
Product: Debt collection

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Mortgage

I bought my home with a VA loan that is currently held by XXXX XXXX. This companys agents have made misrepresentations and claimed that since I have a VA loan and I am delinquent that there are no options to restructure or modify the loan except for full reinstatement of the late payments. After a temporary hardship I contacted XXXX to ask for assistance and was told initially that they could help me and that I qualified for help. A few months later after a review they told me that I was denied due to lack of income. This puzzled me and they did not give a lot of details, and I believed that they had made some type of mistake. I resubmitted and updated package with the same income and a few months later was denied again.this time for too much income. I was confused and did not see how this made sense and began asking lots of questions. That is when I was told that since I had a VA loan and I was delinquent that there were no options. I checked on this and found this information to be false. There are modification programs, forbearance programs, repayment programs and they also can restructure the loan and incorporate the arrearages into the balance. I dont understand how or why XXXX XXXX thinks they can get away with this. Instead of working with me they scheduled a foreclosure sale date! They are denying me access to government programs that I qualify for. 

I bought my home with an adjustable rate VA purchase loan back in XX/XX/XXXX through XXXX XXXX. I have paid my mortgage as agreed with no issues until early XX/XX/XXXX when I suffered a fall ( I am XXXX years old ) and was injured and unable to run my XXXX and XXXX   business for several months. This eventually led to a default on our loan ( after 12 years of on time payments ). As soon as I was back on my feet I began trying to apply for modification assistance. As I explained, their agents were very helpful at first and led me to believe that I qualified for help. After submitting all of my financial information a review was conducted, and ultimately I was told that I did not qualify due to a lack of income. I was certain that this was some type of mistake, so I resubmitted a new package documenting the same income that had been submitted in the original package. After a period of time I was told that I had been denied againthis time for too MUCH income. I was flabbergasted and started asking questions, and thats when their agents stopped giving answers. I continued to try and get XXXX to review me for government programs that are available for struggling VA homeowners but instead got the runaround. I was then told by one of your agents that there are no programs for delinquent homeowners with VA loans which I found to be false. 

I am a XXXX XXXX veteran and senior citizen and I do not deserve this treatment by XXXX XXXX. My hardship was temporary and I am back on my feet and able to afford a reasonable mortgage payment. I need the opportunity to be reviewed for all programs so that this situation can be resolved.
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 XXXX XXXX XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : CAPITAL XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

I had a XXXX  credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the XXXX main credit bureaus ( XXXX XXXX Equifax XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, XXXX came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XXXX themselves, and they promise to fix the problem with the XXXX credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the XXXX credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to the XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX  stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been XXXX. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Product: Checking or savings account

Name : XXXX XXXX Account Number : XXXX I applied online on XX/XX/XXXX, the account went to pending and was on hold for 41 days without any explanation, I called 5 times and was told just to wait, without any response letter or communication. 

On XXXX XXXX the hold was lifted and I got an email : " Welcome XXXX. Citi Priority offers you an integrated banking and investing experience to help you achieve your financial goals. There are just a few things to do and you'll be on your way. Activate your Citibank Debit or ATM card once you receive it. Your card will be mailed within 5 business days. '' Now back office refuses to apply/approve promotion, stating I didn't meet the requirements counting 60 days from XX/XX/XXXX to meet all the requirements. Which is incorrect, and illegitimate, the hold was placed and then removed without any explanation after 41 days from application date, and the debit card was received on XXXX and PIN on XXXX. 

Please process my promised bonus offer as soon as possible, because I met all the requirements from XX/XX/XXXX till XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Loan company has contacted multiple family members informing them of my debt. I have asked the loan company to stop contacting them as this is my personal business. She stated that she would continue to do so. I have text from my brother that state what they told him as well as a recording from the phone call today. STOP CONTACTING MY FAMILY. If I owe a debt contact me! The LAW states they can only contact once and can only contact again if they feel that information they received such as contact information for myself is incorrect. It is CORRECT, do not contact my family again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is a formal complaint against Carter Young Inc located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Carter Young has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.