23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me. 
I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX. 
{$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''. 
Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ). 
Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ). 
I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices. 
I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.
Product: Credit reporting or other personal consumer reports

I didnt authorize these reports on my account, never heard of them never did them,
Product: Credit reporting, credit repair services, or other personal consumer reports

All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 9 years old.
Product: Credit reporting or other personal consumer reports

I have sent a dispute letter to Transunion on XXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Under Accounts, XXXX XXXX XXXX  : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 
XXXX XXXX XXXX : XXXX, The information on my report was either inaccurate or could not be re-verified. Requesting that the error should be deleted and send an accurate report. 
XXXX : XXXX, Fair Credit Reporting Act says you must investigate inaccurate information and this account is inaccurate. Please delete the error on my report promptly. 
XXXX XXXX XXXX : XXXX, Other bureaus are reporting the same data differently, and I want to know who is reporting correctly. Request that you delete this information immediately. XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX  : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. XXXX XXXX : XXXX, XXXX demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX  : XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.
Product: Credit card or prepaid card

I received an email alert from XXXX asking if I had recently applied for a credit card. I responded back that I had not recently applied for a credit card. I then received a call from XXXX on Friday, XX/XX/XXXX asking me if I would give them permission to call the credit card company, Synchrony Bank for a Venmo credit card, which we did. I reported to them that I had not applied for this credit card and that it was fraudulently obtained. They said that they were closing the account and sending it to the fraud investigations department for review. I also had a {$1500.00} transaction with my bank account from Venmo. I have since suspended that account. I have also frozen my credit with all 3 credit bureaus and have also placed a fraud alert with each one of them.
Product: Credit card

I have a Credit card still being reported to my XXXX, according to Ohio law this should be removed from my XXXX after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2004, I am requesting this be removed from my credit report.
Product: Vehicle loan or lease

FELL BEHIND ON THE LOAN BUT WORKED WITH THE FINANCE COMPANY. CALLED THEM TO LET THEM LKNOW THAT THE XXXX WAS BLOWN UP BAD MOTOR AND AT THE MECHANIC SHOP TO BE REPAIRED. THE NEXT DAY THE FINANCE COMPANY REPOED THE XXXX AND SENT IT TO AUCTION. THE AUCTION WAS NOT ADVERTISED ANYWHERE EXCEPT A LETTER SENT TO ME COUPLE DAYS BEFORE AUCTION. WENT TO THE AUCTION AT THE FINANCE COMPANY AND THEY HAD NO RECORD OF THE AUCITON. I DEMANDED A REASON FOR THE AUCITON TAKING PLACE AND WAS TOLD THAT THE AUCTION WAS NOT GOING TO TAKE PLACE. THEN A LADY AND A GENTLEMAN CAME OF THE LOAN COMPANY AND SAID THEY WERE HOLDING AN AUCTION. THE GENTLEMAN BID XXXX ON THE XXXX AND SAID THAT THE DEBT WAS PAID. MY MECHANIC AND MY HUSBAND ARE MY WITNESSES THAT WE WERE TREATED UNFAIRLY AND REQUEST TO HAVE THE FILE REMOVED FROM OUR CREDIT AS DEBT SETTLED OR IF WE HAVE TO PAY XXXX WE WANT OUR XXXX BACK. 

WHEN WE FIRST DID THE LOAN WITH TRICITIES FINANCE THE LOCATION WAS IN XXXX XXXX TN AND WE WERE " RUSHED '' AND EXPECTED TO GET THIS VEHICKE ALL THE ONES THAT WERE IN BETTER SHAPE AND LESS MILEAGE WERE NOT SUITABLE. THE CAR LOT THAT WE GOT THE XXXX FROM SOLD THE XXXX TO US KNOWING IT HAD A CYLINDER DOWN AND THAT THE CAR WAS NOT GOING TO MAKE IT A YEAR. THE MECHANIC THAT WAS FIXING THE XXXX EVEN TOLD THE FINANCE COMPANY THAT THE DAMAGE WAS FROM PREVIOUS OWNER AND THAT THE VEHICLE COULD NOT HAVE BEEN SOLD THAT WAY. AFTER SIGNING THE PAPERS FOR THE XXXX THE BUSINESS CLOSED AND WENT TO ANOTHER LOCATION AND WE WERE NOT NOTIFIED. I FEEL THAT WE WERE LIED TO AND THE LOAN WAS A SCAM. 

EVEN WHEN THE XXXX WAS TAKEN BY REPOSSESION IT WAS AT A CHOP SHOP AND WAS DAMAGED WITH DENTS AND SCRATCHES AND THE REAR SEAT WAS STOLEN. 

I FEEL THAT THE LOAN COMPANY SHOULD EITHER TAKE IT OFF OUR CREDIT, SHOW PAID IN FULL OR SETTLED, OR GIVE THE VEHICLE BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAP1/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAP1/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAP1/XXXX with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX AR XXXX XXXX
Product: Credit card or prepaid card

i spoke with a representative XX/XX/XXXX a sr account manager she informed me my account was restricted on XX/XX/XXXX i was never informed by any representatives or statements that my account was actually closed and i no longer have or will ever have access to it. i was told previously when i made my first payment that i would eventually have access to my account but the representative couldnt give me an actual date because she said it was computer genrated so i went along with making my payment of XXXX which is an over payment because my statement only required me to pay XXXX for XX/XX/XXXX. when i called in with questions i am certain that representative seen my account was closed and i would never have access to it but instead of her giving me the option to pay on a closed account i was lied to and deceived into making a payment without my permission on a closed account, yet when i spoke with a representative i informed her that my credit report does not show my account as closed but your telling me that it is and she is telling now that its not closed its restricted but you can never have access to it but its not close ... which does not make sense ive been told so many stories and have spoken with 6 sr managers and no one is making sense to me
Product: Mortgage

My Mom passed away in XXXX XXXX. Her mortgage company, M & T bank, refuses to give me any information even though I am on the original mortgage and the title to the house. The house has been sold in XXXX and the mortgage paid in full. I am asking for the XXXX, and a refund of the escrow account. They refuse to do anything. They have NOT sent these documents out at all as we had the same address before she passed. Even if they sent this to her home address, it would have been forwarded to me. I believe the law is 30 days from payoff for the escrows, and XXXX/XXXX/XXXX for the XXXX. We have received nothing. Please assist. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXXXXXX FL XXXX SSN:XX/XX/XXXXDOB : XX/XX/XXXX I challenged these accounts with Experian and they sent me an Email saying that the information was updated. 

Experian reports : 1 ) XXXX XX/XX/XXXX Closed 21 potentially negative months Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$4600.00} Closed XXXX XXXX, XXXX ( According to XXXX ) The account was closed and there should not be all those late payments ( CO ) after it was charged off and closed. 
It is a violation of the FCRA and the FDCPA and should be removed. 

2 ) XXXX XX/XX/XXXX Closed 9 potentially negative months Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Closed XXXX. XXXX, XXXX ( According to XXXX ) The account was closed and there should not be all those late payments ( CO ) after it was charged off and closed and even after it was settled and paid they reported CO in XXXX and XX/XX/XXXX. 
It is a violation of the FCRA and the FDCPA and should be removed. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

Chase has failed to contact me to discuss the situation at hand and the documentation I have. Through the portal, I received a " pattern letter '' response without any basis on their denial of promotional benefits. 

I am very upset and frustrated by the lack of customer focus and their willingness to support and help me. The responses are swift but lack any basis and/or due diligence on their part. 

They are not taking any responsibility for the mis-information received. 

Please review the generic response as it failed to address my core issues and how their process created detrimental reliance.
Product: Credit card

I am writing to formally lodge a serious complaint regarding the handling of my refund request for my closed Chase Sapphire credit card account. This entire process has been extraordinarily frustrating, and I am deeply dissatisfied with the lack of urgency, clear communication, and follow-through from your customer service team. 

In XX/XX/XXXX, I closed my Chase Sapphire credit card account and discovered a credit balance of {$880.00}. I contacted your customer service department multiple times in XX/XX/XXXX to request the refund. After several phone calls, I was emailed a transfer request form to have the funds refunded to my checking account. I completed and submitted this form on XX/XX/XXXX, and the request was processed on the same day. 

However, after XXXX days, I noticed no refund had been credited to my checking account. I followed up with customer service, and while the representative assured me the refund request had been processed, I was informed that the only solution was to issue a physical check. I was told this check would be mailed to me in XXXX business days. 

I waited patiently for the check, but by the second week of XX/XX/XXXX, I still had not received it. When I called customer service again, I was told the check had already been mailed and was asked to continue waiting until XX/XX/XXXX. At this point, I began to feel like my issue was being ignored. 

On XX/XX/XXXX, I called once more, and I still had not received the check. I have verified my mailing address several times and confirmed there are no issues receiving mail. Despite this, I was told to continue waiting. I then requested that the check be sent via XXXX, offering to pay for the expedited service, so I could track its delivery. The representative refused to accommodate my request and stated that a new check could be issued, but I would have to wait another XXXX business days until XX/XX/XXXX. 

This delay, lack of communication, and refusal to take appropriate action is completely unacceptable. Chase Sapphires inability to address my refund request in a timely manner and the failure to acknowledge the urgency of my situation reflect poorly on your customer service and your commitment to customers. 

To resolve this issue, I demand the following : Immediate processing of my refund with proof of processing. 
If the refund is to be mailed, it must be sent via certified mail or XXXX to ensure I can track its delivery. 
A detailed explanation as to why my refund has been delayed for this extended period, and what steps Chase Sapphire is taking to ensure that I can get my refund back. I want them to treat me seriously even thought I have closed account with them
Product: Debt collection

Gatestone & Co. International, Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX This company took over collections of my XXXX XXXX account at some point. They contacted my employer, my daughter, and my husband. Most likely, they contacted my son as well, and I have an open credit card fraud case against him in my county. I certainly did not need him knowing any of my business as he and his current wife have stolen my Social Security number, accessed my medical records without my permission, hacked into my email, and created the credit card fraud mess I am now having to deal with. They claim to be XXXX XXXX when they call. They called my husband twice before he told them they could not call him as he is not on the account. I work 18 hour days as my husband is XXXX  and do not have time to talk for hours on the phone with anyone. I can, however, email or do an online chat. For some reason, XXXX XXXX took my account back for collections and I have worked out a plan with them to repay the full amount. I felt the need to report XXXX as they are vicious and are violating the Fair Debt Collection Practices Act. These people are not kind in any way and they make it worse for those of us already going through a nightmare. Please stop them from damaging anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX.V financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

BBVA Compass XXXX signature card statements from : @ XXXX, XXXX through XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXX XXXX, AL XXXX XXXX BBVA Compass ( both listed locations ) send me statements and complementary checks. 

This is the letter that I have sent both locations : Stop sending me BBVA Compass checking/saving account notices. I do not have a BBVA Compass account.

Stop sending me BBVA Compass XXXX Signature statements. I do not have a BBVA Compass account or BBVA Compass XXXX Signature card. 

In writing, please respond to me and : 1. verify that I do not have a BBVA Compass account.

2. verify that I do not have a BBVA Compass XXXX Signature card. 
3. verify that BBVA Compass has notified its credit rating services that I neither have, nor have requested, a BBVA Compass XXXX Signature card and that my request to stop these correspondences from BBVA Compass does not, and should not, affect my credit rating. 

On XXXX XXXX, XXXX I received a BBVA Compass letter from BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX. The letter " per your request, we have closed your XXXXBVA Compass credit account. '' XXXX XXXX, XXXX I received another XXXX Signature care statement. It seems that my information has been transferred to another branch and it starts again. This appears to be a XXXX XXXX scam with fictitious accounts. Additionally, neither of the statements has a complete account number - the last four digits differ from each location but the Customer Service phone number is the same and useless.
Product: Credit reporting or other personal consumer reports

" I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 


Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00.00}
Product: Credit card

It has come to my attention that Capital One abruptly terminated five of my credit cards without prior notice on XX/XX/XXXX. When I contacted them on XX/XX/XXXX, seeking an explanation, I was provided with a vague excuse stating that the cards were not being used in accordance with the credit card agreement. However, upon further investigation, it was discovered that there were over twenty returned payments on the account. 

I subsequently informed Capital One that I had requested the automatic payments to be stopped back in XXXX, as my wallet and phone had been stolen. During that call, which unfortunately involved a language barrier between myself and the representative of XXXX  XXXX, I had also inquired whether the account was being closed due to fraud, to which I was allegedly informed affirmatively. Additionally, I was required to verify my salary during this call. 

Furthermore, on XX/XX/XXXX, Capital One deactivated the automatic payments, which ultimately led to the closure of the account. It appears that despite my efforts to comply with the terms of the cards by reporting the theft and requesting deactivation of the cards, the language barrier and subsequent failure to deactivate the cards in a timely manner resulted in charges accruing and damage to my account.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX