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

I woke up to find XXXX transactions in my bank account one going to my other bank account and the other to someone named XXXX. The payment message said XXXX. So I tried to figure out what was going on only to find out that my brother took my phone while I was sleeping to send that money. I called and told chase what happened to my brother but took the blame for it since I figured there was no difference between me taking the blame or not in this case. Only to be told by an attorney that I need to call back and tell them that I didn't authorize the transaction. So I called back and they told me I need to go inside a branch write a note and fill out a paper to cancel the claim and refile it again. So I went inside the branch and did that, only to call the next day after they rejected my claim since " it was authorized ''. And they told me they didn't get anything to change the claim. But they did, since they rejected the transaction going to my other bank account ( rightfully so ) ( I'll figure that out with XXXX XXXX XXXX ). And both claims were on the same paper. They even told me they see it on the other claim and after I told the representative to read it and he started reading it. He went quiet and didn't say anything. I attached the document that was sent to chase below.
Product: Checking or savings account

HSBC USA N.A. is not responsible for the information that it provided. And gave me a terrible personal attack! 
I have an account in HSBC USA N.A. and I use it correctly and carefully. In XX/XX/2023, HSBC USA N.A. closed my account, in the next few weeks, HSBC in other countries also closed my account, and told me HSBC USA N.A. reported that I am involved in a financial crime. So it's a big mistake and affect me a lot, which makes me angry and confusing. 
In fact, my account is just used to save some money which transferred from the account in my name in XXXX, for the high deposit rate. Sometimes use the debit card to shopping. Once XXXX is going to give me some refund by ACH, so all of these money is legal, but not a financial crime linked account. 
What's more? I bank should responsible for the information that they provided to both customer and other banks in the same group. Your mistake caused that I can not use the banking service in HSBC XXXX any longer, but also suspended to be a criminal by others. It's a kind of personal attack! HSBC USA N.A. should responsible for that!
Product: Credit card or prepaid card

I applied and was approved for the Barclaycard Arrival+ credit card on XX/XX/2019. I've been using the card normally and paying off my balance in full every month. Since then, I also opened several new credit accounts for various spending bonuses, given that I had lots of large upcoming purchases for my wedding. However, Barclay 's then closed my Arrival+ credit card without my permission on XX/XX/2019, citing that I have too many new accounts and inquiries on my credit report. I called Barclay 's on XX/XX/2019 and again on XX/XX/2019 trying to explain that my new accounts were due to large expenses but had also been completely paid off in full. Barclay 's still refused to reinstate my account, and will not allow me to redeem my earned miles at their full value : XXXX cents per point. Instead, they will only allow me to redeem my miles for half of the full value, and refuse to allow me to reopen my account, even though I stated I was happy to have a lower credit limit. 

I have been more than willing to discuss my case but I have been extremely disappointed by Barclay 's being unable to listen and unwilling to allow me to redeem my miles at their full value. I hope someone who is able to help will contact me but I have not had any success contacting anyone capable on my own.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I contacted American Express Serve due to possible fraud on my account. Was on the phone for over 3 hours and unsure if a fraud claim was filed. Was not explained if the claim as placed and my account locked for now. was not explained about obtaining a new credit card nor the expectation on the claim. I spoke with 7 different reps, supervisors and managers all were rude and did not explain anything to me. I was disconnected from both of the managers and no return call back from either. Transactions are still occurring on my account that I did not give authorization to make. 

XX/XX/2019 - XXXX XXXX XXXX {$120.00} XX/XX/2019 - XXXX {$500.00} XX/XX/2019 - XXXX {$520.00} XX/XX/2019 - XXXX {$260.00} XX/XX/2019 - XXXX XXXX {$6.00} as of the time of filing this complaint.
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, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXXF XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX, XXXX 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reports I have never applied for such as XXXX XXXX, XXXX or XXXX Ive ask for disputes and for it to be removed, nothing has been done.Please help me
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX, TX XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Attachment of the credit Report
Product: Vehicle loan or lease

Been calling GM FINANCIAL over a week for voluntary repossession of my wife 's and I XXXX XXXX XXXX. Talked to approximately 4 personnel in Customer Service and a Supervisor on XX/XX/XXXX ( XXXX XXXX ), she will inform their Reprocession Department for them to call us, send us disclaimer for voluntary turn in of car, as of this time, no call or documentation. XXXX XXXX told me the car will be put up for auction and whatever they did not get make our loan remaining balance, we would have to pay GM Financial that balance. The is worth according to XXXX XXXX XXXX ( {$13000.00} ) and our balance due is approximately {$20000.00}. Question, why are consumers that can not afford to pay for a product anymore due to financial hardship or medical reasons and are elderly have to pay for a product they no longer own. If GM Financial repro the car, it's their property, not ours, they should cover the balance or write it off. The elderly, who mostly living on fixed income suffers the most and especially when both my wife and I are XXXX XXXX VETERANS ( myself a XXXX XXXX XXXX XXXX XXXX. When the vehicle was purchased, the used dealership did not completely do a thorough maintenance inspection of vehicle or performed a complete detailing of vehicle. I myself did the detailing at home, inside out and done a maintenance check and a friend ( Master Mechanic ), identified the maintenance problems and I took the maintenance check list back to thXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas, to becorrected. Whose gon na pay me for detailing and having the vehicle checked? Solution, no balance payment/waiver.
Product: Prepaid card

American Express pre-pad gift card ( electronic NOT physical card ) seemingly not working anywhere. Unable to make purchases and have tried SEVERAL places.
Product: Debt collection

Someone took out a fraudulent loan in my name. I immediately alerted Affirm and they assured me it would be taken care of. It has been 6 months and they have done nothing to investigate. They had 2 different debt collectors come to me on their behalf. All while they claim my dispute is still being investigated. My credit scores have decreased significantly because of them. They do not have any legit customer service. In fact, every time they send an email to me there is no name in the signature. This company is shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.
Product: Checking or savings account

On XX/XX/year> I opened a checking account at Wells Fargo in XXXX, XXXX because the bank promised to give me a {$300.00} bonus if I transferred a direct deposit of more than {$1000.00} to my WF account within a 90 days period. At the same time I signed a direct deposit enrollment form so Wells Fargo would contact Social Security and transfer my {$2400.00} benefits payment to Wells Fargo on my behave. Forty five days later I noticed that Wells Fargo failed in its written commitment to process my SS payment from Chase to Wells Fargo. For that reason, I had to do it myself my calling Social Security. SS requires 60 days for the change of banks. Finally my SS benefits started being credited to my WF account in XX/XX/year>. That was 120 days after the account opening. Because of Wells Fargo failure to execute its commitment I did not meet the 90 days period required by the bank. I filed a written claim with Wells Fargo to have my {$300.00} credited to my account and it was rejected... The bank is penalizing me because of their own operational mistake. Please investigate how many other clients opening a new account were also penalized.
Product: Credit card

My issue is that in XXXX of this year I disputed a charge from XXXX XXXX  and the investigation was found to be in my favor. I was told by a rep ( XXXX on XX/XX/XXXX ) at the card company that on XX/XX/XXXX the amount of {$230.00} and change was credited back to my account and then on XX/XX/XXXX it was refilled and then recredited on the same day and then again rebrilles on XX/XX/XXXX. It is not clear why, even to the representative. I had spoken to many representatives all telling me different things. 3 of them ( XXXX who I spoke to on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) all promised me a refund that they have still not credited me. Im not only confused about how this charge keeps appearing, but also how a company could keep promising a refund and not delivering. Also how they keep recharging me and not even notifying me why!
Product: Debt collection

Diversified adjustment services calls me from a new number all the time after I block them. I answer the phone and have explained that Im at hard times right now and my priorities are feeding my kids. They always follow with how I always say that and those are just excuses and that I need to be a responsible mother and pay my phone bill debt.
Product: Mortgage

Father XXXX passed away Left me the home My father had a wrongful modification I am now trying to get it straightened out I've been approved with the court and signed assumption documents Its up to PHH to help me with a correct loan mod
Product: Debt collection

Took out a bank card for {$200.00}. Forget to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Debt collection

This agency is attempting to collect a debt that I do not owe. I never agreed to nor ever knowledge this debt with the current collector or the original collector. No proof has been given to me of this debt. I want a full detail break down of the original debt and my agreement to this debt.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Credit Inquiries on My Credit Report Dear Sirs I am writing to formally dispute a series of unauthorized credit inquiries on my credit report. Upon reviewing my credit report, I noticed that there have been multiple inquiries made by companies that I do not recognize, and for which I have not given permission. These inquiries are impacting my credit score and may be indicative of fraudulent activity.

Below are the details of the unauthorized inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion XXXX - XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion I request that you investigate these inquiries, as I did not authorize them. If these inquiries were made in error or as a result of fraud, I would like them to be removed from my credit report. As required by law, I am entitled to an accurate and fair credit report, and these unauthorized inquiries should not be affecting my credit history. 

Please let me know what documentation or additional information you require from me to facilitate your investigation. I request that the inquiries be removed as soon as possible, and that I be notified once the investigation has been completed. 

If these inquiries are determined to be the result of identity theft, I would appreciate further assistance in resolving the matter, including placing a fraud alert on my file. If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) and provide any supporting documentation. 

Thank you for your prompt attention to this matter. I look forward to your response.
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 protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX ) XXXX  ACCT number XXXX Date opened XX/XX/XXXX Chargeoff {$590.00} XXXX ) XXXX XXXX  ACCT nunber XXXX Date opened XX/XX/XXXX wrtten off {$190.00} XXXX ) XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XX/XX/XXXX Writtenoff Repossession {$25000.00} XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) ACCT number XXXX XXXX XXXX XX/XX/XXXX collections {$2200.00} XXXX ) XXXX XXXX Acct Number XXXX Date XXXX XX/XX/XXXX collection {$9600.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct Number XXXX Date opened XX/XX/XXXX collections {$670.00} XXXX ) XXXX XXXX XXXX number XXXX Date opened XX/XX/XXXX collections {$2100.00} XXXX ) XXXX XXXX XXXX ACCT number XXXX XXXX XXXX XX/XX/XXXX Collections {$1500.00} 15 U.S.C 1681 Section 602A states I have the right to privacy.

! 6 U.S.C. 1681 Section 604A 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 reporting by more than 7 years.

15 U.S.C 1681 s-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 card

I need to removed some late payment In accordance to the fair credit reporting act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 section 2, its also state a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit card account under an open end customer credit plan up late fee any purpose
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt not owed and has been already resolved with another debt collector. These tactics are illegal.
Product: Debt collection

I received a collection letter from Transworld Systems , Inc alleging that I owe a debt to XXXX in the amount of {$60.00}. I immediately wrote a letter to Transworld to dispute the debt as " not mine '' and asked for proof that I owe this alleged debt. I have yet to receive any response to my request. I did contact XXXX and it appears that they made a mistake and billed the incorrect person. XXXX has corrected their error, however Transworld Systems , Inc. refuses to remove the fraudulent account from collection even though there is nothing to collect. I have filed complaints with the Texas Attorney General as well as with the XXXX. Upon searching this company online, there have been a multitude of people that have experienced similar situations as mine. This is a fraudulent collection account that never should have been placed for collection to begin with because it belongs to another person- not me.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase with my Apple Card from a company called XXXX in the amount of {$39.00}. A few days later I noticed three separate charges in the amount of {$5100.00} each had posted to my account with a name of XXXX XXXX. I immediately started a chat with Apple to dispute these charges as I did not recognize the name XXXX and also most certainly did not make any transactions in the amount of {$5100.00}. After the chat they took the charges off, stating that it would take up to 90 days for the dispute to resolve. Then, On XX/XX/XXXX the three seperate charges for {$5100.00} were then charged back to my card. So again, I immediately started a chat with Apple to dispute these charges again. But this time, they said that the merchant sent them 'proof ' that I made these transactions. They also provided me with an address and phone number, and suggested I call the merchant myself. That sounded absurd to me to call someone who fraudulently charged my card... isn't this the investigation team 's job at Goldman Sachs?! Apple said they would email me the 'proof ' ( which they still have not done ), and would put this under investigation for another 90 days. But now, I am unable to use {$15000.00} on my credit limit because it's frozen due to this dispute. I am unable to speak with the dispute department, nor able to speak to any sort of supervisor or manager. I was told that XXXX XXXX does not speak to consumers directly, nor does the people that do the actual investigation. 

After I got off the phone with Apple on XX/XX/XXXX, I did some XXXX on with the information they provided to me on the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I found out that it was XXXX. I immediately called in, and was instructed to start a chat and provide my proof of purchase with XXXX in the amount of {$39.00} back on XX/XX/XXXX to Apple. Which I did by providing a screenshot of my purchase. To this date ( XX/XX/XXXX ) I still have not heard back from Apple, nor received the alleged proof that they received from the merchant. 

Since then, I have made 5 calls to XXXX, and sent 3 email messages to multiple people in their company, and nobody has returned a call or any message. I have no idea what to do from here.
Product: Mortgage

I would like to mention that they charged me {$3900.00} for Deferred Principal without my knowledge and without any reason. 

I sent to SLS proofs that I never stopped any monthly payment and proof that I paid the insurance and the property taxes by myself. There is not any possibility they are charging me for XXXX ( Taxes and Insurance ). 
However, every month we paid XXXX, principal, and interest.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX