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

HSBC ran their " XX/XX/2016 Fall Campaign '', where they were offering {$350.00} for opening a new account and satisfying various requirements. The exact wording of the offer is below ( I have also attached a copy of the offer from their website ) : Open your new account Begin a new HSBC Choice Checking, Advance or Premier relationship by opening a corresponding HSBC checking account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. 
Complete your qualifying activities Pay at least two bills per month from your new HSBC checking account via HSBC 's online Bill Pay for three consecutive months within 120 calendar days of account opening. 
OR Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. 

I opted to go the direct deposit route to qualify for my bonus. My account was officially opened on XXXX XXXX, XX/XX/2016 ( copy of the official welcome email from HSBC on this date is attached ). That means 120 calendar days from XXXX XXXX, XX/XX/2016 is XXXX XXXX, XXXX. I received direct deposits totaling {$3000.00} for three consecutive months BEFORE XXXX XXXX, XXXX ; however, HSBC is refusing to honor the terms and conditions of their offer. Below are the qualifying transactions ( I have also attached a copy of my bank transaction activity for the relevant months ) : XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} These deposits were in three consecutive months and total {$3000.00}, and they were all completed before the cutoff date of XXXX XXXX, XXXX. The terms and conditions of the offer state the bonus will be awarded approximately 8 weeks after completing all offer requirements. After giving ample time for HSBC to credit the bonus, I sent a secure " BankMail '' on XXXX XXXX, XXXX to inquire on the status of my bonus. A representative responded that I did not satisfy all requirements for the offer, to which I responded by clearly demonstrating that I did by laying out everything as I have done here. My inquiry was escalated for weeks before finally receiving a response today, stating again, that I was not eligible because I did not satisfy all requirements. I have attached a copy of this BankMail from today. 

In this BankMail, the representative again reiterates the requirements of the offer and why I am not eligible for the bonus. Their reasons are factually incorrect as I have already relayed to them multiple times, and as I have just outlined above. Again, I received direct deposits totaling {$3000.00} for three consecutive months XXXX XXXX, XXXX, XXXX XXXX before the deadline of XXXX XXXX, XXXX. I have given the bank ample time to resolve this issue before resorting to submitting a CFPB complaint. The bank is using false reasons to delay or resist rightfully awarding me the bonus. Please have HSBC credit the {$350.00} bonus per the terms and conditions of their offer.
Product: Mortgage

I have communicated with XXXX XXXXFoundation Title and Settlement Services multiple times now that they have facilitated and continue to cover for fraudulent Real Estate transactions. PLEASE VIEW ATTACHMENTS. The fact two different versions of title paperwork exist should be a red flag. XXXX mortgage and XXXX are investigating concurrently and have already provided conflicting information compared to Foundation Title and Settlement Services XXXX 

A home sale has occurred without my signatures being obtained. Their own records indicate that my name is on borrower contract and on conveyance documents but The company will NOT1. Provide home sale signatures of mine that would have allowed sale of the property. 2. The signatures/paperwork that STATES if and how XXXX XXXX became sole title holder. 3. The companys own 4th statement line agreed to the proceeds, means I was, in fact of law, an owner. So again, I ask for copies of ALL PAPERWORK mentioned. What this company did was show segmented portions of a complete transaction. They did NOT provide records of said transaction that is required by law or by The Real Estate Settlement Procedures Act ( Respa ) as they would have had to actually see any transfer of property signatures of mine.
Product: Debt collection

The account in question is reporting inaccurate, I have no knowledge of this account. I called the collections and they said that the information is wrong and should come off my credit report, in order for them to do that I would have to pay a {$330.00} service fee. I will not pay on something that was reporting wrong no due to my own error but the error of the reporting
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( XXXX  ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( XXXX  ). Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( XXXX XXXX. XXXX ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

due to XXXX incompetence and continued corruption im forced to contact this other idotic shopping plaza office having derelict company. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector like your self to wait 4 XXXX years to start collecting it. no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX   in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint report and everytime you sacks of XXXX say YES ITS A DEBT. well if it is it sure as XXXX isn't mine. im tired of arguing for a XXXX year with incompetent outsourced XXXX at XXXX so time to argue with what im sure is another outsourced XXXX in XXXX about this debt which is impeding me from getting housing. and the funniest thing of all is that even this so called FEDERAL CFPB company is ALSO OUTSOURCED TO XXXX so in total I bet all 3 XXXX  who could handle this matter are in fact just one sack of XXXX in XXXX at some XXXX run down stinky XXXX call center. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your narcissism and sociopathic tendencies.
Product: Credit card

I had a credit card with one bank and they sold it to another bank. I did not get notice of the sale. When I went online to see if I owed money to the credit card the following month, the site said my account was no longer open. I did n't know why my account was n't open, but I did n't have time to deal with it as other life emergencies were taking precedence. Later, I received a letter from the new owner of my account saying that it was past due. I called the number on the letter and found out that my account was sold but still exists. I paid the account in full. However, because I was not notified of the sale and was told my account was closed when I tried to go pay it initially, my payment was 41 days late. Now I have a 30 day late payment on my credit report. I asked the new bank to remove it given the circumstances and they said they can not. They said that the only way for this to be resolved is for me to file a dispute with every credit reporting agency that notes the late payment. I know that that is n't true. I know that this is a small injustice compared to what you deal with on a regular basis, but it has an impact. If the agencies do n't all remove the late payment or do so in time ( I am about to apply for a mortgage ), my rate will be higher on the biggest loan I take in my lifetime. Also, there is a high degree if privilege in the notion that everyone has the time to wait and request reports and write letters and follow up on letters and go through the whole intentionally-difficult process. For people who are just barely keeping their head above water, due to their health or life emergencies ( which applies to me right now ), things like this slip through the cracks. I would close this account but for the fact that it is my oldest account and closing it would negatively impact my credit score. I try to do every responsible thing and it does n't matter. Now if I do n't spend my time writing letters to credit reporting agencies, rather that attending to very critical things in my life, I will be harmed financially. This system does n't work. The bank should have corrected it. I know that they can.
Product: Credit reporting or other personal consumer reports

Midland Credit Management begin garnishing my wages on XX/XX/XXXX for a total amount owed to the debtor of {$4400.00}. The amount of {$270.00} was taken bi-weekly. At this time, on XX/XX/XXXX along with changes ( personal time, leave, pay increase, etc. ), I owe the debtor only {$960.00}. I have requested XXXX to dispute this issue. However, the report received by mail from XXXX does not reference any payments being made. Therefore, this report is incorrect. I have reached out to Midland Credit Management on several occasions, but I have received no response via phone call nor mail. I am asking at this time, for the correct dollar amount to be updated and reported to the three major credit bureaus, and once this debt is PAID IN FULL, I am asking this debtor : Midland Credit Management for both XXXX XXXX and XXXXXXXX XXXX be REMOVED from my credit report immediately. This is hindering my educational pursuits, as well as future home buying experiences. This debt was not handled fairly nor correctly to begin with, so after I am paid in FULL, I won't no further contact with the referenced creditors, credit card companies, nor law firm association with this account. I will provide all documentation needed. Thank you all for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX-month period preceding the date the subsequent report is furnished. Please fix the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXXXXXX XXXX - Inquiry date - XX/XX/2020 This is not my inquiry. This needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to the address provided at https : //www.experian.com/blogs/ask-experian/credit-education/faqs/instructions-for-disputing-by-mail/ and it was received by them on XX/XX/22. After the 30 days had passed with no response, I called Experian. They told me the 30 days didn't count because I sent it to the wrong address. I said well i sent it to the address on your website, and he legit said the website is wrong. Than he hung up on me. So I called back, and spoke to a lady who again said the 30 days don't count but this time it was because I have to reach out to the people who did the inquiry. I explained I did so with no response, and that regardless, it was still Experian 's job to respond within 30 days which they did not. This is a violation of the FCRA and I DEMAND the disputed information be removed immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 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 agency shall- ( i ) promptly delete that item of information from the file of the consumer, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> - received medical debt collection notice from Universal Accounts LLC. 

Both my attorney and I requested validation of debt via certified mail. 
Attached is the receipt for my own debt verification letter dated XX/XX/year>. 
My attorney communication is also attached. She also followed up via email Never received response back on any of the above
Product: Money transfer, virtual currency, or money service

I sent a money transfer and there was an error in the clients name and the funds were sent to the wrong person. I explained to my bank what happened and I was told Zelle doesn't give refunds
Product: Credit reporting or other personal consumer reports

Transunion sent me an investigation result that stated they were deleting an unauthorized fraudulent inquiry however upon inspecting my report, it is still there. I demand that they delete this information immediately. see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent letters to Equifax and XXXX  disputing the inaccurate information with my Bankruptcy, tradelines, name, address and job that are damaging my credit. I requested information concerning the validity of the items, as of yet i have not received anything and it was sent off certified mail/XXXX.
Product: Mortgage

On XXXX i called the lender to request a payoff statement for my HELOC loan to be faxed to my attorney. I provided my attorney fax number. The rep I spoke with stated that the payoff statement would be faxed to my attorney in 2-3 business days. It should be noted that I had previously requested a pay off statement from the lender on XXXX and this was received by my attorney on or about XXXX On XXXX i received an email from my attorney that they had not received the payoff statement at XXXX on XXXX I called the lender and spoke with representative XXXX in the loan servicing department. XXXX stated that the payoff statement request was rejected because the attorney was not an approved coop attorney. XXXX transferred me to supervisor XXXX in the loan servicing department. XXXX confirmed that the payoff request did not process because the request did not come from an approved coop attorney. XXXX confirmed the fax number on the XXXX request was XXXX, XXXX confirmed the fax number on the XXXX request was XXXX and the XXXX requested was faxed on XXXX. XXXX confirmed that the request came from me ( the borrower ) on XXXX and on XXXX. First one was completed and second one was denied but both requests were exactly the same. XXXX submitted an urgent payoff request to the payoff department manager to ask why the XXXX was not completed or to rush this request out today. XXXX stated that the payoff department XXXX has a standard turnaround time of 2 hours for an urgent payoff request. The payoff department replied to XXXX stating that they can only accept a payoff request from an approved attorney for a coop. XXXX confirmed that the payoff department is not able to accept payoff requests from the borrower directly and that the prior payoff statement was issued in error. XXXX stated that the payoff department advised that the borrower should already be aware that payoff requests must come from an approved coop attorney. XXXX confirmed that all of the lenders calls are recorded. XXXX provided his contact information. XXXX stated that the is able to speak with my attorney directly with my verbal approval and the verbal approval is good for 24 hours. I provided my verbal approval to speak with my attorney and/or her assistant. 


I believe the lender is intentionally delaying my payoff statement in an effort to extend the length of my loan so they can collect more interest. If this was an error the lender should accept responsibility and refund the interest due since the date of the error.
Product: Mortgage

I had applied for a home mortgage at wells Fargo bank and got a appraisal thru them to start the process, half way thru the home mortgage loan it was declined. my next move was to look for a new mortgage broker and lender so i did find XXXX. My new home mortgage loan is about 95 % complete and the only thing holding us back from closing on the property is an appraisal transfer from wells Fargo. my lender, mortgage broker and i have requested to wells Fargo to transfer the appraisal but they have refused this request. My issue is wells Fargo not providing the appraisal transfer to my new lender as requested which i feel very disappointed of this, since i cant close on the house which there 's a possibility i can lose the house. I dont know my legal right for this type of situation but i feel like wells fargo has not meet the needs of the customer and would like to exercise my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed two items from my credit report that does not belong. The first company is listed as : XXXX XXXX XXXX, and is reporting a judgement in the amount of {$2400.00}. There " judgement has the incorrect address, social security number and date of birth. As of XX/XX/XXXX the new policy throughout all agencies is to remove this debt. Since then they have not. I have been disputing this information for over a year. I have provided information showing this was not me and asked to remove it. They continuously report and has dropped my score drastically. The second item is a company listed as : XXXX XXXX XXXX in the amount of XXXX, again this item was disputed and taken off in the past but continues to pop back up every couple of years with a third party collection agency. I have asked the company to investigate and provide proof of debt. I have yet to receive that.
Product: Debt collection

WEST CREEK FINANCIAL DBA KOALAFI XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is reporting a debt to my credit file that does not belong to me. I have never opened a loan with this bank at any point, at any time.
Product: Checking or savings account

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. While I was XXXX  that were a lot of unauthorized transactions to my account. Both my checking and savings were affected. Over XXXX XXXX dollars of unauthorized transactions made from my checking account, and over XXXX XXXX dollars of unauthorized transactions made from my savings account. I first reached out to SunTrust Bank on XX/XX/XXXX and made them aware of these unauthorized transactions to my accounts. The Asst. Branch Manager made a report and sent it to the fraud department. I Followed up with my Bank and the fraud department for months and months but no action was done in refunding my funds.