23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint regarding an unexplained security hold placed on my HSBC XXXXXX/XX/XXXX ending in XXXX since XX/XX/year>2025. 

The main issues are as follows : 1. No Communication or Notification : I did not receive any prior email, notification, or phone call from HSBC alerting me about the hold.

The hold was only apparent when I saw my available credit suddenly reduced to XXXX. 

2. No Explanation or Timeline Provided : Upon contacting HSBCs relevant team, I was not provided with any clear explanation for the hold or the reason behind it.

Additionally, no timeline for review or resolution was given, leaving me in an uncertain position. 

3. Significant Impact on Travel Plans and Benefits : As this is a premium travel card with a high annual fee of {$400.00}, I rely on it for various benefits during travel, including airline tickets, taxi services, car rentals, and hotel bookings.

With upcoming winter travel plans, this sudden inability to use the card has caused considerable inconvenience and disruption.
Product: Mortgage

My husband XXXX XXXX XXXX have spent the last 9 years in court XXXX XXXX XXXX. They have tried to foreclose 3 times. The court records show I have life estate on the property, I have keep up the taxes, ins. and up keep. They pay the taxes before I can get there to pay them then give me a hard time when I try to repay them. I get flood insurance to the max for the property they then say I did not pay enough and try to foreclose, last year I had to send them an additional XXXX hoping they will leave me alone. Yesterday I got a form letter to fill out about the reverse mortgage today I got the same letter certified I sent the info they needed Now a real estate appraiser wanted to know when I could let him into the house I told him I have life estate for XXXX to contact me directly. I just need them to leave me alone. I am on a fixed income need help.
Product: Mortgage

We received a late fee notice dated XX/XX/XXXX. Ditech Financial changed our payment amount but did not inform us. On XX/XX/XXXX I called to ask them to waive the late fee. I spoke with XXXX at XXXX and he was unable to remove the late fee. I also spoke with his supervisor, XXXX, and she was also not able to remove the late fee. 

I am asking for a refund of the late fee off {$56.00}. 

I'd also encourage you to investigate Ditech 's billing practices. This is the second time this has happened to us in a year and it appears Ditech may be failing to send new payment notices or sending them disguised as frequently disposed of marketing collateral in the hopes of increasing revenue through late fees. We have gotten the late fee notices both times but not the payment due notice either time.
Product: Credit card or prepaid card

I never received the fiscal car, it was used from XX/XX/2023 to XX/XX/2023 in fl ny ca XXXX XXXX I didn't visit I was working in nj XXXX  days a week XXXX hours and I got proof that from my employer, after contacting chase JPMorgan they said I have to pay those {$1600.00}
Product: Credit card

I have XXXX fixed low interest loan and XXXX short term special no interest for XXXX months. I have twice made extra payments to the special purchase transaction so that they would be paid off before the 31.99 % interest kicks in. Both times they have applied my payment to the fixed low interest loan. I have called Lowes Synchrony many times to fix this and each time they tell me it will be fixed within XXXX hours. They have it in all their notes that they have made a mistake but it is still not fixed
Product: Credit reporting or other personal consumer reports

My consumer reports from XXXX, XXXX, and Equifax contains information about my income within transactions of mine from the experiences I have with others which is not required to be on a consumer report. How can my private transactions appear so others can view? if these companies say they are reporting 100 % accurate and by law? I have contacted them and bought these inappropriate use of my consumer report to their attention with not avail. 

XXXX Reports containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Debt collection

CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

I am a victim of Identity. An individual opened a credit card account with Discover card using my name and social security number on XXXX of 2020. 

I filed an Identity Theft Report ( Report Number XXXX on XX/XX/2020 ) with the Federal Trade Commission. 

I have sent various letters to Discover Card XXXX XXXX, XX/XX/2020, XX/XX/2020 XXXX and have made various calls XXXX XX/XX/2020, XX/XX/2020, XX/XX/2020 ) In the above communications I have asked Discover for copies of the fraudulent application submitted by thief and various documents and records maintained by them at various times. To date they have refused to comply.
Product: Debt collection

This company DIVERSIFIED below, continues to submit this debt to credit reporting as COLLECTIONS, even though this is not my debt. Over the last few years, once a year, DIVERSIFIED reports this debt, forcing me to dispute and REPEAT the fact that this is Not my XXXX PHONE ACCOUNT DEBT. I have been XXXX since XXXX and i would NEVER have a XXXX phone. There is no WAY to have a XXXX ACCOUNT without a SIGNED CONTRACT. There is no signed contract by me because this is not my account with XXXX. This debt collection refuses to provide a SIGNED CONTRACT with my name proving this account/debt is mine, in repeated violation of FCDPA. This firm has tried to extort payment from me or they threaten me with COLLECTIONS REPORTING. 
Again, not my debt. There is no signed contract with my name. 
This Report cost me 39 FICO Points. 
CC : Colorado State AG Alert Date XX/XX/XXXX Source XXXX  Company DIVERSIFIED CONSULTANT Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/XXXX Balance {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see the credit score in the XXXX  XXXX XXXX mobile App ( Free FICO Score ) from inception ( around XXXX months ). The XXXX XXXX employees are least bothered to resolve the issue and only interested to catch fight with me, those bunch of idiots have only one answer that I am new customer and that's why it is not visible, it would be automatically visible after " few years ''. They even don't know the number of years in their so called " few years ''. I believe XXXX months is pretty long tenure to populate FICO score. 

From around XX/XX/XXXX, I am following up with the XXXX  XXXX XXXX but its service is extremely unprofessional and they are not reporting my SSN to the transunion. 

I called to Transunion at XXXX XXXX XXXX at around XXXX XXXX  on XX/XX/XXXX and I have been told by Transunion representative XXXX that XXXX XXXX  XXXX is not reporting my SSN to transunion. XXXX  XXXX XXXX reports my address, birthdate, age, address and my payment history. 

It would be great relief if I would be able to see the FICO score in the mobile app of XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

**PLEASE READ** THIS IS NOT A DUPLICATE. 

Santander says XXXX  changed the account status to " Closed '' on my credit report because there was an open investigation. They told me to contact XXXX. XXXX  told me that they did not change the status, but Santander is responsible for reporting the correct info to them. They opened up a dispute for me and sent it to Santander, but it came back as verified as accurate. See two screenshots. 

SANTANDER, PLEASE REPORT TO TRANSUNION THAT THE ACCOUNT IS STILL OPEN, AND UPDATE THE BALANCE. THIS IS AFFECTING MY CREDIT SCORE. THE PERSON WHO HANDLED THE VERY FIRST CFPB COMPLAINT FIXED THE STATUS AT XXXX, SO IT IS POSSIBLE. THE STATUS AT THE OTHER TWO BUREAUS IS CORRECT SO PLEASE DON'T CHANGE THOSE.
Product: Student loan

I keep getting misinformation in regards to my employment certification form for the public loan forgiveness program. I've been told multiple incorrect things and they never update my qualifying payments section when they say they will. This is beyond frustrating and totally unfair to borrowers that can not choose their own servicer and who are counting on loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on Transunion, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with XXXX XXXXXXXX XXXX representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on XXXX  XXXX XXXX application. 
She stated " she could NOT send me a copy of my signature due to XXXX  XXXX XXXX NOT having a new signature on file. '' The XXXX XXXX remains on my profile. 

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have sent out a letter multiple times to each company and credit bureau requested about a date this account as that is a process that I need to do and I know they have 30 days to respond and I have not received anything and it's been away over three months
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My online account locked by credit card company and I tried calling them during the covid times but they didn't respond to the issue. XX/XX/2022, I tried explaining this to Citi bank and requested them to remove the interest charges as its not my fault but they didn't. I received call from company executive team regarding the issue after I raised it from CFPB, they agreed that my account was locked and I re-registered the credit card but still asked me to pay the completed amount. 
I tried calling citi bank many times, they acted as if they don't care. I tried explaining the situation and resolve it but they were adamant and locked my account while I was on chat with the customer care. 
Even the executive customer service member was like you own a credit card you pay the bill, in the same call she looked at my log on records and told me about the re-register situation after customer service resolved the issue.
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.
Product: Debt collection

Credit Collection Services reported by account for collections, I never took an account with credit collection services. They called me a few times to which I eventually answered and ask why they were calling when this was paid to XXXX XXXX, the rep went on to verify the account with a wrong date of birth to which I told them was incorrect. 

I called XXXX XXXX and report this to XXXX to which they contacted CCS to remove but they report my account as paid.
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 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 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 TRANSWORLD SYSTEMS INCXXXX 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 TRANWORLD SYTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted all FTC Reports/police reports to all companies and have requested all record and any documents proofing or stating with my signature ( original documents only )
Product: Checking or savings account

I opened a Discover Bank Checking and Saving Account. Before my debit card had arrived and a deposit had been made they notified me they were closing the account and would not provide a reason. I continue to get communication from them wanting me to activate the debit card, asking me to make a deposit and how their service has been. I have called twice their customer service department and have inquired as to the reason and if I can re-open and the customer service representatives have no information other than the account was closed as a business decision. They should have to provide some reason for the closing. If they are using credit score then I have received non of the reg E notices regarding that.
Product: Credit card

I was notified early XXXXXXXX XXXX XXXX that there were multiple charges being made on my account over a course of a few days. The charges totaled over XXXX . I responded to BOA as those charges were definitely not made by me and a claim was done. I eventually noticed within the same time frame by XXXX ID was hacked as well. They denied my case because of some sort of subscription which they are not providing information on. Currently I I re opened the claim and am still waiting. I am also liable currently for the fraud charges which I do not see as fair at all.
Product: Student loan

Prior to Mohela taking over, my loans were held by XXXX  XXXX XXXX who I believe incorrectly placed me in a " mandatory administrative forbearance provided to borrowers for processing supporting documentation '' when I submitted my annual required income recertification paperwork well in advance and on time and/or incorrectly placed me in forbearance when it was not requested. 

XXXX  XXXX placed me in this forbearance without notifying me as I continued to make payments. I am not sure how they coded the forbearance and believe that it was coded incorrectly. I did not request these forbearances and they were not in-school deferments, so it should have been coded as an administrative forbearance or not as forbearance at all since I was never notified of it and continued to make payments and receive bills. I believe they placed me in this forbearance because they wanted time to process me new payment amount, but they also could have done so just completely in error. 

When Mohela inherited my loans, this improper forbearance coding was not corrected. When I called MOHELA to ask about this and clarify what type of deferment or forbearance I was incorrectly placed in during these periods in as well as the recourse available to correct it, they informed me that they only have access to my records from XXXX and that Federal Student Aid is responsible for correcting the XXXX  XXXX XXXX error. 

When I called Federal Student Aid, they directed me back to MOHELA. The below payment periods should be properly coded as a mandatory administrative forbearance or the forbearances/deferments should be removed or waived all together as it was coded in error by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Why was I placed in forbearances or deferments for the above pay periods? How can they be properly coded to administrative forbearance if it was due to XXXX  XXXX XXXX processing income re-certification paperwork that I was required to submit or otherwise processing an Employment Re-certification form? OR alternatively, If the forbearance or deferment was in error, can the forbearance or deferment be waived or removed from my account for these pay periods? I would like to formally request that either the forbearance or deferment be removed from the above pay periods especially since I was not notified of them by XXXX  XXXX and continued to make payments and/or that they be properly coded as a mandatory administrative forbearance.
Product: Student loan

Over the years I have tried working with Navient and prior to losing my job I was making on time payments. 

My issue with Navient is not only their refusal to work within my budget but it is also their behavior in an attempt to collect payment. Since XXXX they have aggressively contacted my mothers ex husbands family as well as her current husbands sister and children. These are people I have no contact with or relation to. 

They have also been incredibly aggressive with my grandmother on several occasions making her think she will lose her home. 

In XXXX of this year my grandmother was tricked into sending a payment which she was told would set my account current. My grandmother at the time was XXXX years old and  was presenting signs of XXXX. 

In XXXX of this year I contacted Navient again and asked what I could possibly do to come to an agreement on a payment that would work within my budget. I was not explained any options just given a set amount I could pay. This amount was not in my budget but I said for that month I could try and make it work and that I could send in {$250.00} and would make the remaining balance on my next payday which was a Wednesday but they said they needed payment by I believe that Monday. It is clear they would rather people default on their loans. 

Today I received an email that they might have additional options for me to be able to make payments. I immediately emailed Navient back and asked if they could please email me my options so I would have something in writing that I could go over instead of just listening to total payment amounts over the phone. 

I am more than willing to make payments in my budget but they are not willing to work with me and they would rather call and harass non family members ans tell them I have defaulted on my loans. 

I have done everything I can to try and save money, I was working XXXX jobs just to try and make ends meet with studen loan payments. 

I am currently trying to have my mortgage lowered to allow myself more cash flow that can be put towards my debt. 

Please let me know if anything can be done as I would love to make my loans current and not deal with the stress of daily harassing phone calls.
Product: Credit card

On XXXX/XXXX/2023, I received a call from a Wells Fargo that turned out to be an impersonator. During the call, the Wells Fargo impersonator obtained my log-in credentials and used those to 1 ) attempt a wire transfer and 2 ) take cash advances/make charges totaling {$7300.00} on two credit cards associated with my small business account. During the call I noticed strange comments, so I hung up, and called Wells Fargo to report the incident. Wells Fargo immediately stopped the wire transfer and issued a {$2500.00} credit to the small business credit cards ; however, I dispute the full amount of {$7300.00}. Wells Fargo denied my claim on XXXX/XXXX/2023, and since that time, I have repeatedly and consistently requested help through the XXXX Assistance XXXX for XXXX XXXX XXXX. My request is that the XXXX investigator re-open and review the full case, and the facts will clearly show that all charges on the cards since XX/XX/2023 are related to the same fraud incident. Unfortunately, since XXXX/XXXX/2023, Wells Fargo has been unwilling and unable to respond to my requests. Each time I call the XXXX Assistance XXXX and present my case number, I reach a new customer service representative who is unable to contact the XXXX investigator directly. I have attempted to submit supporting documents by fax ( XX/XX/2023 ) and email ( XX/XX/2023 ). As of this writing, Wells Fargo XXXX XXXX XXXX can not confirm whether the XXXX investigator has received or reviewed these documents. During my XX/XX/2023 phone call to the XXXX Assistance XXXX, the customer service representative advised that he would create escalations claim and submit on my behalf. Since that time, I have been assigned an escalations representative in Wells Fargo XXXX XXXX XXXX XXXX XXXX. I sent ( via certified mail ) a copy of my case to my assigned escalations representative. Proof of delivery shows the package was successfully received by Wells Fargo. As of this writing, the issue remains open and unresolved. I am submitting this complaint to CFPB because Wells Fargo 's failure to act timely is impairing my credit.