23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Credit Management in XXXX XXXX Ne, it was dated on XX/XX/XXXX and received the letter on XX/XX/XXXX, I called on XX/XX/XXXX to Credit Management requesting the documents of the statements of the charges happening sometime in XX/XX/XXXX and advised that I would like to have those sent to me so I could look and compare my bank statements and that the address and name is incorrect provided the correct information and then the rep gave me about 5 different dates and asked when did the credit management sent me out any information the listed off dates that they contacted me on phone but I never received any communication from them other that 1 year prior and called them and requested the same statements so I could verify the charges and if I paid them, I never received those the prior year, and the informed them how is that my fault when I never received the correspondents to review. I in the mean time contacted XXXX XXXX and they advised that they did n't have a outstanding balance and the XXXX hospital contact person never returned my phone call. I finally received the statements that I requested on XX/XX/XXXX with correct mailing address but incorrect last name, I was able to verify that the first charge that they were requesting was paid in full in XX/XX/XXXX by garnishment. the second charge was vague information and placed a call into the XXXX hospital and they returned a call today XX/XX/XXXX and that was verified that was not paid. made the payment to the Hospital and received a certified letter from Credit management today XX/XX/XXXX they placed a summons to my county court for that amount of both and explained that the first one is paid back in XX/XX/XXXX and the hospital was paid today and they stated to me that they will place a request in to XXXX XXXX to clarify and show payment and that the hospital one would need to be determined but I still owe them their attorney fees but I advised that the one was already satisfied and other paid and hospital did n't advised me to pay the credit management. and represented stated that its being submitted for review but filing fees was my responsibility. at no time or on the first statement they sent out did it give amount of time or on the documents that they sent out to me did it have you have xxx amount of days to pay the amount due or it will be pursued to court. Am I obligated to pay the court filings even tho 1 was already paid and never updated on their end and the second one was taken care of as soon as I received the information that I requested. oh this was all over XXXX which was safitifed back in XX/XX/XXXX and the other was XXXX and filing fees are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am extremely upset. i sent in a dispute on my behalf well over 60 days ago and present this day which is XXXX nothing has been done. i also noticed that they have not updated my consumer report with any indication that i have been disputing the items on my consumer report. my first dispute dates back to XXXX of XXXX and still my report indicates nothing that i have disputed this negative information which is the failure to communicate that a disputed debt is disputed. with that i am requesting that the items be removed from my consumer report and an updated consumer report showing that be sent to me. i would very much love it if the consumer reporting agencies do the job that they have assumed the position to do. Also i never provided them with the written instruction to put these accounts on my consumer report, they did not have permissible purpose. my report also shows these accounts are collection accounts but have a balance, which is not even possible. at this point i notice that the consumer reporting agencies are throwing anything on my report as long as they are getting payment to do so.
Product: Checking or savings account

Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX, XXXX, and Equifax due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect, and my previous complaint was closed without resolution. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it. 

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.
Product: Credit card

I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

IIn 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, XXXX XXXX : # XXXX, 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, 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 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: Checking or savings account

Synchrony bank is an online banking platform where you can open and make changes to your account online. They make it notoriously difficult to close a cd by requiring you to call within a 45 day window of cd maturing ( or 10 day grace period after cd matures ) in order to close the cd or it auto renews. You can not provide instructions in advance, even if the initial cd terms is 1 year or longer. 
25 days after my cd matured and auto-renewed I called to close the cd ( not even a month interest has been accrued on this auto-renewal ). The representatives indicated that it is no longer to possible to close the cd without an approximately 5 month interest penalty, which equates to thousands of dollars. Because CDs are automatically renewed, Synchrony should either allow instructions to be provided at any time during the time which the cd is open, or provide a longer grace period after maturity. 
Synchrony makes it purposely difficult to close a cd by defaulting customer to auto renewal, disallowing a reasonable time period to provide advanced instructions, keeping short grace period all so they can automatically switch customers to a renewed cd and charge exorbitant fees if the window is missed.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 


Equifax mortgage ser XXXX this inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681B
Product: Debt collection

I have sent several letters letting the debt collection company know that this debt does not have the correct date that the account went into default. This debt is well past XXXX XXXX XXXX and past the statue of limitations for the state of South Carolina. They will not send me any information about this debt when I asked for validity of the debt. They remove it and then put it back on my credit report as if it is a new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to Equifax XX/XX/2021 stating my identity was stolen. I completed an FTC identity theft report showing how my identity and followed the FTC identity theft guidelines as listed. According to FCRA 605B, the fraudulent information on my credit report : addresses XXXX XXXX XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and This collection account XXXX XXXX XXXX XXXX  Account # XXXX, should have been removed and blocked from my credit report in 4 days. My rights as a US Citizen are being violated by Equifax and this information will be included in my lawsuit if this isn't handled. I subsequently also completed a police report with the city of XXXX Police dept which I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Good day Sir/Ma'am. I am writing today as I am at an impasse with my lender Freedom Mortgage. We have a difference of opinion as to how 12 CFR 1024.17 ( f ) ( 2 ) is applied. The escrow analysis that I have been provided with states that I should be paid back any surplus over {$50.00}. According to 12 CFR 1024.17 ( f ) ( 2 ) ( i ) this is exactly what should happen. Yet {$2000.00} was held in reserve. My escrow account was overfunded by {$5000.00}. At no point was there a deficit. Additionally, all of my payments were made on time which satisfies 12CFR 1024.17 ( f ) ( 2 ) ( ii ). In satisfying this part, they are prohibited from keeping any portion of our surplus as recompense for late payments. Freedom Mortgage claims that the Real Estate Settlement Procedures Act ( RESPA ) requires them to maintain a minimum amount. Unfortunately, this is incorrect. RESPA does not define a minimum account level. RESPA provides guidelines that are rooted in the CFPB regulations. These are the same regulations that I have referenced throughout this complaint. Furthermore, RESPA references 12CFR 1024.17 as a guide to the maximum that may be paid into an escrow account. Per 12CFR 1024.17 ( f ) ( 2 ) ( iii ) we have not entered into an agreement to create, nor fund such a surplus. I have called numerous times to point out the regulations that I see as having been broken. During these calls, I ask them to reference their actions in the CFPB regulations and they can not. I think the mistake they are making falls under the provision of 1024.17 ( c ) ( 1 ) ( ii ). This references the specific maximum that may be paid into the escrow over the course of the year. The key term here is " Paid ''. Under this provision, they may create a cushion by way of monthly payments, not by holding back my escrow surplus. As I see it all three paragraphs in 12CFR 1024.17 ( f ) ( 2 ) have been violated in some way. In summation, I believe 12 CFR 1024.17 ( f ) ( 2 ) ( i ) has been violated in that any surplus over {$50.00} was not paid back to me. I believe that 12CFR 1024.17 ( f ) ( 2 ) ( ii ) has also been violated as no triggering event in this part has been infringed upon, which would allow them to keep my surplus. Finally, I believe 12CFR 1024.17 ( f ) ( 2 ) ( iii ) has been violated in that we have come to no agreement regarding any surplus to be placed into this year 's escrow account by way of keeping my surplus from last year I would certainly appreciate any help that you may be able to provide. I'm not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am being hit with 2 recent inquiries I never did and seems to be from same bank this is 100 % fraud I have no idea these cards. Never applied for them or signed up In stores for them or authorized anyone to use my information. 

seems to both be synchrony bank. 

they are saying I applied for a jcpenny and a XXXX XXXX card from them on XX/XX/2019. Which I did not do. I did not go into these stores and purchase anything. I did not sign up through any mail or through internet. So this is 100 % not authorized by me. 

I have tried explaining to the company under the fair credit reporting act to remove these as I did not authorize this and if they can prove that I did that to please show me because I know I did not.
Product: Credit card

On XX/XX/2023 I did a purchase of {$1400.00} of a tourist service. The service was cancelled and I opened a dispute, Citi Bank gave me a conditional credit of - {$1400.00}. 

For my XXXX statement they reversed the credit with a charge of {$1400.00}. The merchant issued a refund of - {$1400.00} on XXXX XXXX, because they were supposed to refund only 95 % of the total which I agreed. 

However on XXXX XXXX I received another charge of the same merchant of {$1400.00} which will net the balance of the refund, leaving me with {$1400.00} of debt. 

I complaint again about this transaction and on XX/XX/2023 they told me they were incorrect and that they will opened a new dispute regarding that {$1400.00} charge, but they never did. I called them multiple times, but they are not able to reopen my case or open a new one. 

I contacted the merchant and they sent me the detail of the charges made on my account, and that they never did that other charge of {$1400.00}, told the bank multiple times I had that proof but they told me not to send it before having a case number assigned, but they haven't assigned yet.
Product: Checking or savings account

On XX/XX/year> I made a cash deposit at a Regions Branch ATM at XXXX Eastern XXXX XXXX However, due to Regions unscrupulous banking practices they returned my car payment in the amount of {$750.00}. Regions policy states that an account holder has until XXXX Centeral Time to make a deposit in order for it to be credited that same day/night. Being that I made a cash deposit at XXXX Eastern XXXX XXXX and per their checking account policy, that was sufficient time to cover any pending payments. Why would they return my car payment being that I had already made a cash deposit before their stated cut-off time? These financial institutions are OUT OF CONTROL with their deceptive banking practices and their erroneous fees that they charge their account holders. The CFPB needs to do a better job regulating these financial institutions, and their dubious banking practices that they impose on their account holders. Now, I'm going to be charged a " late fee '' from the finance company for my car payment being returned AND a returned check fee. THERE ARE 69 PAGES OF CONSUMER COMPLAINTS THAT HAVE BEEN FILED WITH THE BBB FROM REGIONS BANK ACCOUNT HOLDERS.JUST ON THE BBB WEBSITE ALONE!!! THESE CROOKS MUST BE STOPPED!!! 
https : XXXX
Product: Prepaid card

I received a {$40.00} XXXX XXXX XXXX XXXX  ( Activation fee was {$4.00} ) as a XXXX gift. Card was purchased at XXXX on XX/XX/23. I have the receipt. I tried to use it on XX/XX/23 it was declined. Attempted to activate the card by calling XXXX at ( XXXX ) XXXX ; system did not recognize the gift card. I called ( XXXX ) XXXX, I was on hold for about XXXX minutes. Finally spoke with a customer service rep by the name of XXXX, I told her what had happened. She asked me to provide her with the Gift Card number, the expiration date & the security code as well as the XXXX ID number that began with a XXXX. She got back to me & stated that the gift card was not in the system. I asked her what was my next step. She told me that I WOULD NEED TO GIVE HER MY PERSONAL ID INFORMATION & the original receipt. I told her that I was not stupid to provide her with my personal information. I asked her where she was located ; she told me So. XXXX. Asked her the name of the company where she worked. She told me INCOMM CREDIT CARD SERVICES. I then went to XXXX where the gift card was purchased ; unfortunately, they were unable to do anything. I called back a XXXX time on XX/XX/23 and spoke with rep XXXX. He told me that I would need to mail a copy of my driver 's license. He gave me incident # XXXX. I want to understand. why does another country want my XXXX? That is personal information & if provided could cause potential fraud against me.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Mortgage

BMO led me to believe they were willing to assist me in a loan modification. This process started XX/XX/2021 and we still do not have an agreement. 
Unfortunately, they have not been willing to assist me. I feel as a senior citizen, I have been taken advantage of. 
The process started in XX/XX/2021 and I have submitted all documents requested by the bank several times on at least three occasions, In XX/XX/2021, I was provided feedback that my application was denied because I could not produce a copy of my contract with my employer. This was not initially requested from BMO. I wrote BMO a letter stating that I did not have a signed contract with my employer. I provided my bank statements showing the deposits of income received from my employer. I also provide my monthly paystubs showing the money I received as well as the W2s from the company and the pay schedule issued by my employer. Everything that was requested had been submitted several time. Companies like this should not prey on their clients. Attached are dates that I submitted my personal data to BMO on several occasions. Please help!