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

XX/XX/XXXX {$12.00} Letter Claim number XXXX tansaction date XX/XX/XXXX Says IF you still believe this charge to be fraudelent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf I HAVE NOT BEEN NOTIFIED THE RESOLVE A YEAR LATER XX/XX/XXXX Letter SAME claim number {$12.00} Says no further action is needed NO RESOLVE YET? 
Letter XX/XX/XXXX no further action on fraud claim number XXXX {$10.00} XXXX XXXX XXXX XXXX A YEAR LATER NO RESOLVE XX/XX/XXXX no action needed fraud claim XXXX {$49.00} I HAVE NOT BEEN NOTIFIED What the resolve is on any of these fraud claims for over a year. What is the resolve of fraud claim XXXX reported?
Product: Bank account or service

1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk
Product: Debt collection

Midland Credit Management INC. refuse to give me all the information that I am requesting for verification as of these -Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : The have sent me over 100 pages of a contract that I know nothing about, and not showing me anything i'm asking. 

They have had numerous chances to produce the information i'm seeking, but yet fail to do so. By Law they have 30 days and it's been well over 100 + days.
Product: Credit card

Dear sir, Last night, about XXXX XXXX on XX/XX/XXXX of 2023, I opened the Chase bank account website to check the status of my fraud claim, since your company sent me an email to notify me the update of alert and message regarding this persisting issue. However, I found out there was no alert or anything in the message column of your company bank website. Since I had been exhausted with many persisting issues regarding frauds, I would like you to asking to stop these kinds of mails sending to me and other customers, who have similar issues. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies on my credit report concerning 15 USC 16c-2. The inquiries listed were not approved by me, harming my credit. Please erase all unauthorized hard inquiries. Thank you!
Product: Payday loan, title loan, or personal loan

I was looking at some programs they have sign up for it and all the sudden and then I just automatically got a secured loan. I have spoken with this people more than three times  they agree for me to pay whatever they lend me it was {$130.00} and they will pay off the loan with the reserve on the account and nobody has done anything and I'm still waiting for them to close out that loan they threaten me to put them loan on collection and the loan is not even a month old I need this to be resolved and needs to be fixed. They're violating the FCRA a loan must be 60-90 day 's by law
Product: Checking or savings account

My wife and I are in the process of closing on a house, using funds which are currently deposited in a XXXX account. Since opening our XXXX  account the bank has had several mergers and system changes which make it very confusing to know what the terms of service are and which company we need to reach out to for information about our account : XXXX, Webster Bank, Sterling National Bank, etc. In early XXXX, we searched on the Sterling National Bank 's website ( because our account login is XXXX ) and after downloading a terms and fees table found that the bank offers online wire transfers that we could use to close on our house. However, on XX/XX/XXXX ( one day prior to our closing date ) when we received the final closing amount, this bank ( or group of banks ) was completely incapable of assisting us or returning our money to us. After about a dozen calls to many different entities within this confusing organization, we received a plethora of contradictory and incorrect information, including : - wire transfers were possible ( several sources ) and also were not possible with our account ( several different sources ) - wire transfers were only possible online and ( other sources ) were only possible on site in branches in New York - our funds were managed by Webster Bank, our funds were managed by Sterling National Bank, our funds were managed by XXXX bank After 4+ hours of phone calls and 4+ hours of driving to New York just to be told that they will not help us, we are still left without any way of accessing our own money in a timely manner. 

The company 's best solution which we are now pursuing is sending us an unverified check in the mail, which will likely take several days to arrive, we will need to take this to another bank, it will take several days to verify and deposit it, and then 24 hours to wire it for closing. 

The root of this problem is that we repeatedly received bad information, which is going to cause us to lose over {$500.00}, countless wasted hours, and possibly the purchase of our home. 

- Bad information on the company 's various websites. 
- Bad information through our online portal 's contact page phone number which directs users to the incorrect institution ( Webster Bank ). 
- Finally, even when we reached XXXX, their customer support believed we could complete wire transfers, and were quick to try to end our call ( all of our many calls began with long waits on hold ) with false information. 

Having multiple unorganized entities quickly redirecting customers to long holds is a great/efficient way for banks to avoid helping customers, and it damages consumers through a thousand small blows via obviously unreadable small print.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was given a {$3000.00} line of credit with Westcreek Financial with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to XXXX since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked Westcreek financial to submit notice to XXXX  and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called Westcreek  back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. Westcreek stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with XXXX  and XXXX   and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.
Product: Student loan

I have had auto payment on my loan with Navient for years. On XX/XX/XXXX, I changed the account on which the payment should come from. Since the change would not go into effect until the next payment cycle which was XXXX, I made a one-time payment using the new account so that I would not go past due ; this payment did go through. 
While I was on vacation I started getting VM saying that I needed to call Navient and make a payment so that my account would not be negatively impacted. When I got back XX/XX/XXXX, I logged into my account to see that the account from which my payment would be deducted was no longer linked. I went through the process to link the account and it said/showed the account was active. I then tried to make a payment and the system said that it was invalid. I tried to link my old account and went through the same process to have the system say it was invalid. 
I waited 24 hours ( XX/XX/XXXX ) thinking that I may have locked the account and tried to link both accounts. The same thing happened saying it was invalid. I called Navient and spent over an hour on the phone with 2 different people. The 2nd person said that it was my bank that was blocking the payment. I gave this person my credit card information to make a payment so that my account would not go past due. I then called my bank and spent another hour on the phone with them ; they told me that they were not denying the payment and that Navient was refusing to take the payment. 
I received an email yesterday from XXXX stating that I was going to get a refund for {$120.00} but the email did not give me any details except to contact Navient if I had any questions. Then last night I received a call from someone at Navient stating that my account was past due and that I needed to make a payment immediately. I stated that I had made a payment on the phone already and that my next payment was not due until this month. They told me that the person I spoke to from Navient made the payment directly to the Department of Education. 
This whole situation raises huge concerns of how my loan is being handled. Not only am I dealing with possible delinquency on my account but someone from Navient took my personal information and credit card information. Now I have absolutely no faith that my account has been handled properly this entire time. I do not know if payments and/or personal information have been handled appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received correspondence from these two companies that I have no legal bound to trying to collect a debt with no contract or signed document by me giving them the authority to collect any debt from me. As the law requires curtain steps be taken before any company is able to collect any debt. this is a direct violation of the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d section 807 ( 1 ) ( 2 ). That leaves these accounts null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a XXXX XXXX {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO ADDRESS ID # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX  ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help experian XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of outdated or incorrect address information from my credit report with XXXX, Transunion and XXXX. I recently reviewed my credit reports and found that some addresses listed are no longer valid or accurate
Product: Vehicle loan or lease

I've been paying the monthly payments since last year of XX/XX/XXXX. At times I was unable to pay the full amt of {$440.00}, because my husband has been XXXX  for months, but I was able to pay the existing principal balance off in XX/XX/XXXX, in which left the outstanding deferred balance. My husband co applicant XXXX XXXX died on XX/XX/XXXX. I still managed to pay a monthly payment as directed, up until I received an email on XX/XX/XXXX that my loan is in risk of charged off and repossession for a past due amount of {$4000.00}. I am so confused because I was told to continue to make payments and was not giving any options at the time the loan matured. I have spoken to a rep XXXX XXXX as of last week and was told repossession will not begin until the end of XXXX and that I was XXXX payments past due. I have never been 30 days or more delinquent on my account, but to hear I am XXXX payments past due have me wondering where my payment is I've been making in the last year. I've tried reaching out to supervisors, but with Ally Financial you get nowhere. I have proof of documents of my accounts and case numbers regarding my issues in the last year. Per my account balance shows and outstanding balance of {$6500.00} and it also shows the same balance for XXXX and XXXX report in which I have. I need help! I just want to be able to pay the outstanding balance off in the next 3-4 months as I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not fix any dispute or investigation. The automative system continues to fail and not do anything about the problem.
Product: Credit reporting or other personal consumer reports

Hard Inquirie Account Name : XXXX XXXX XXXX XXXX. 

According

to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the con
sumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Hard Inquiry immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Bank account or service

I have an account at Capital One Bank and the last time I used my debit card was on XXXX/XXXX/2016 at a XXXX DVD Rental station. I could n't find my card and called the bank on XXXX/XXXX/2016 and reported it lost. I went online and saw that all my money was gone. The bank representative said they locked the account and cancelled the card. They transferred me to the fraud department which was closed and I had to call back the following morning. When I called back the next day, the fraud department transferred me to the claims department who said they processed a claim for all the transactions after XXXX/XXXX/2016 as fraudulent. They said the issue would be investigated and it can take from XXXX business days. I called everyday for an update and each time I was told that I need to wait until I am contacted. I was also told that my fraud investigators name is XXXX. I called back on XXXX/XXXX/2016 and the representative told me that my claim was denied due to multiple ATM withdrawals being done with a pin #. I asked for the transaction details as to where and if surveillance can be looked at because I did not make the withdrawals. I was told that they can not release that information to me and I should get a lawyer to subpoena the records. I went into a branch in XXXX XXXX, XXXX and the banker was very friendly and gave me an affidavit which I took to the police station to file a report. He also provided me with a print out of the transactions. I have not received a call from my investigator at all. In addition to the the ATM withdrawals there were funds being transferred in and out of the account, fraudulent checks and point of sale purchases made in XXXX XXXX and I reside in XXXX. Capital One did not properly investigate my issue. One of the accounts that the funds were moved into was also a closed account which makes no sense. Hopefully, someone can help me and investigate Capitals Ones procedures or process in following consumer laws! They can clearly see that the checks are fraudulent and the purchases are in another state. I googled the store # 's. Why did n't their systems pick this up? After I called on XX/XX/XXXX, they still honored fake checks and the signature is n't even mine. Someone at this bank messed up or they do n't have a good fraud detection process and they are unwilling to help me.
Product: Debt collection

I have for some time disputed Jefferson Capital about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on XXXX XXXX XXXX and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Jefferson Capital decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Jefferson Calital was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Jefferson Capital that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.
Product: Credit card or prepaid card

I WAS SOLICITED BY CITI BANK CARD TO OPEN AN ACCOUNT. I NEVER OPENED AN ACCOUNT WITH CITI. SEVERAL MONTHS LATER I NOTICE CITI ADDED UNFAIR AND ILLEGAL FEES CLAIMING THAT I OWE THEM AND I DO NOT OWE THEM ANYTHING I NEVER APPROVED OR AGREED TO OR PURCHASED OR CONTRACT. 

I HAVE CALLED THEM SEVERAL TIMES AND I EVEN HIRED AN ATTORNEY XXXX XXXX XXXX TO SEND THEM LETTERS TO REMOVE THEIR INACCURATE INFORMATION AND TO CLOSE ACCOUNT. I KEEP GETTING SOLICITED BY THEM AND I ASKED THEM NOT. 

I AM BEING DAMAGED DUE TO CITI REPORTING FOR WRONG AND INACCURATE INFORMATION. 

RE : ACCT ENDING IN - XXXX FOR- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my privacy according too. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Mortgage

XXXX  Loan # XXXX Last week I received this notice in the mail, See the attached Loss Draft Process Overview. 

Due to the way I have been Previously treated by this company, I would like to request verification that I DO NOT currently have an active Loss Draft and that there is no reported damage or current repairs to or effecting my property. 

Thank you XXXX XXXX XXXX