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

I opened a XXXX Checking account on XX/XX/XXXX under a promotional offer on the banks homepage. I completed all the requirements and did not receive any bonus. I reached out to a representative on the support phone line who told me everything looked good and that i should expect the bonus at the end of XXXX. When nothing showed up i reached out again via chat support and spoke to a new representative who assured me the bonus would show up in the next week. Again nothing came. 

A few weeks later ( XX/XX/XXXX ) I contacted the bank again and spoke to a representative named XXXX who said that i actually would not qualify for the bonus because i did not follow the terms. When i explained that i had in fact followed the terms and provided proof of that, the representative became aggressive towards me and was insistent that I had done something wrong. I asked to speak to a manager and talked with a very helpful individual named XXXX. 

XXXX offered to open a case and look into things because from his end he believed i should have received the bonus without issue. About a week later i spoke to XXXX again and he said that the management above him told him that i would not qualify because i applied to the account at the end of XXXX ( I think they said XX/XX/XXXX ). I explained that I had opened the account at the beginning of the month and i even had transactions from the first couple days of the year. He was as confused as I and offered to reach out again to his bosses for clarification. 

Another week went by and I heard from XXXX on the customer service chat. He explained that upon review i would not qualify for the bonus because the promotional offer was never linked to my account. I asked how that could be as multiple people before him had confirmed that the bonus offer was linked, I qualified, and I should see the account bonus soon. I even sent screenshots of my application with the bonus offer to XXXX. He said he really couldnt do anything else and that i should fill out a survey and could maybe get a response. He explained this this often happens, frontline support tells customers the wrong info or there are promotions that do not attach properly and that he had exhausted everything he could do. 

I am incredibly frustrated and feel that I was taken advantage of in this process. I held many thousands of dollars in this account for about 8 months and at the end was told that I never qualified and no one can make things right. I believe this is incredibly dishonest and ethically atrocious. I closed my account with HSBC earlier this afternoon. I think the only way i could be convinced that this wasnt a XXXX grab for new customers and inflated numbers would be if anyone could make this right. 

Nevertheless I intend to spread the word about my experience online and to everyone who is considering an account with HSBC. I wish this experience was better but this is the reality. I would like to be contacted should anyone wish to make this right. Thank you.
Product: Checking or savings account

My payroll is typically deposited and made available in my account the day prior to payday. However, this week, my payrollscheduled for XXXX XXXX not deposited or reflected in my account on XX/XX/XXXX, as expected. Despite waiting until the morning of XX/XX/XXXX, the funds were still unavailable. 

XXXX, I contacted XXXXXXXX XXXX customer service and, after holding for nearly XXXX minutes, I spoke with a representative. Unfortunately, the only response I received was an apology. When I asked about the impact on my scheduled bill payments, which were declined due to the lack of funds, no resolution or actionable support was offeredonly another apology. 

As of this writing, my payroll remains unavailable, and it appears the issue has not been resolved. This delay has caused significant inconvenience, including XXXX XXXX XXXX XXXX XXXX It is unacceptable for a technical issue on XXXXXXXX XXXX  end to disrupt my financial stability without any clear communication, resolution, or compensation.
Product: Mortgage

This is the XXXX time i have used this system to no avail to get help.the same person XXXX XXXX keeps answering i have asked not to she thinks she is a lawyer and has successfully aruged that NO noi was issued prior to filing foreclosure. something i will pursue. i need a phone call PHOTOCOPIES OF PREVIOUS ANSWERS HAVE DONE LESS THAN NOTHING TO ADDRESS COMPLAINTS AND I AM ASKING CFPB TO MAKE SURE THAT THE SAME PHOTOCPYING DOES NOT HAPPEN AGAIN. I NEE SOMEONE OTHER THAN XXXX XXXX TO CALL ME AFTER XXXX EASTERN TO DISCUSS REMAINING ISSUES. WELLS FARGO REFUSED ME A MODIFICATION AND FILED FORECLOSSURE AND SUPPLIED NO NOI. I WANT HELP THE MOST IMPORTANT PART OF THIS NEW COMPLAINT WHERE PREVIOUS HAVE DONE NNOTHING TO RESOLVE ISSUES AS ALL I GET ARE PHOTOPCIES OF PAPER THAT TOO RESOLVED NOTHING. IS THAT I NEED HARDEST HIT PROGRAM IN NJ TO AT XXXX GET A PAY OFF FIGURE FROM OR A WHAT IS OWED FIRGURE FROM THIS BANK BEFORE NJ SAYS I OWE TOO MUCH. TOO LONG A WAIT. DO THAT TODAY NJ XXXX NEEDS A PAY OFF FIGURE. DO THAT TODAY THEY SENT REQUEST XXXX TIRED OF RED TAPE AND I WANT SOMEONE OTHER THAN MULDOON TO CALL ME TO RESOLVE OTHER ISSUES fui NO ONE ANSWERED qwr FILED IN XXXX
Product: Checking or savings account

Chargeback for two transactions XX/XX/XXXX and submitted XX/XX/XXXX for XXXX at an atm that withheld my funds, Bank did not respond and failed to provide a credit within XXXX  days which is the law and can be proven by Reg E. failure to do so is against the law. please provide my credit back to my account or I will take this higher to courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with XXXX, EQUIFAX, an XXXX  and I have received no answers.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Credit card or prepaid card

I have had my credit card with XXXX XXXX credit card for the past four or five years in which i have paid my payments to them without any problems, but i live on the westcoast and every so often the due date falls on a non banking weekend saturday or sunday, but other customers like my self are being charged a late fee if the payment are not received on eastcoast time regardless if its a weekend non banking day, I shouldnt be penalize with a late fee, because XXXX XXXXsynchrony bank wants to make millions of dollars on late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am  writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XXXX XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I RECENTLY OPENED A MERCHANT SERVICE COMPANY ACCOUNT WITH WAVE PAYMENTS. THE VERY FIRST PAYMENT I RECIEVED THEY FROZE MY ACCOUNT ANY MY MONEY, NIETHER WOULD THEY ALLOW ME TO REFUND MY CUSTOMER HIS MONEY DUE TO CLOSED ACCOUNT. OR WOULD THEY PAYOUT MY MONEY! WHAT DO IM DO TO GET MY MONEY??? THIS COMPANY JUST RIPPED ME OFF AND CAUSED ME TO LOOSE A CUSTOMER BECAUSE I COULDN'T REFUND HIS MONEY " CUSTOMER SERVICE AT WAVE, WHICH IS ALMOST IMPOSSABLE. YOU CANT EVEN FIND AN ADDRESS. THIS WAS AN ACH PAYMNET WHY WOULD IT MATTER IF HOW MUCH MONEY I HAVE IN MY BUSINESS BANK ACCOUNT??? I CAN SEE A CREDIT CARD, BUT NOT A ACH PAYMENT. HOW CAN THY BLOCK ME FROM REFUNDING MY CUSTOMERS MONEY? I SHOULD BE ABLE TO CANCEL, DELTE OR RETUN MY ORDER AT ANYTIME.
Product: Checking or savings account

I have tried to open a checking account with Schwab on XX/XX/XXXX. However, they still haven't approved the account. They said there is a delay in processing new accounts. But the company do little to fix the issues. Iv talked to them many times, with little help to get my account opened. It's been more than 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE HAVE BEEN TONS OF UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT -XXXX XXXX XXXX SEVERAL TIMES -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND SEVERAL MORE I HAVE DISPUTED THESE ON SEVERAL OCCASSIONS AND AND HAVE BEEN DENIED BY THE CREDIT BUREAU BECAUSE AFTER CONTACTING THE COMPANY ITSELF THEY HAVE TOLD ME THAT THEY HAVE AUTHORIZED THE CREDIT BUREAUS TO REMOVE THE INQUIRY WHICH THEY HAVE NOT.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, thank you for taking the time to help me with this matter. It has been very stressful for me as I am currently shopping for a mortgage and have put it on hold because of this issue. My XXXX XXXX through Experian is XXXX. XXXX is XXXX. XXXX is XXXX. Unfortunately I am being told that mortgage lenders use the lowest score. I do not understand this but i guess that is the way it is. I have contacted Experian numerous times over the past few months as to why my XXXX XXXX is XXXX points lower then my highest and XXXX points lower then my middle score. Every time I get connected to a representative from Experian I get the same answer. That answer is that they use a different model to rate credit scores. I understand that however, I can see if it was a difference of maybe XXXX or XXXX points but I think XXXX points is excessive. I feel that there is something wrong with how Experian is scoring my credit. I have researched my credit report through all XXXX bureaus and all the information is the same including lenders, accounts and all other aspects. There is only XXXX thing on my Experian credit report that is negative and that is a late payment issue during a time when I was struggling financially. That negative issue is over XXXX XXXX XXXX and while I know it stays on your credit report for XXXX  years why is it impacting my XXXX XXXX over that amount of time at XXXX points. This late payment issue is not even on my XXXX or XXXX report. This is effecting me from getting a better mortgage rate as a first time homebuyer. The amount of times I have contacted Experian and all I get is there is nothing we can do response is getting old now. I have even tried to use Experian boost for my score but they said Experian boost was not working at the time. In conclusion I feel that I am being misled and mistreated by Experian. There should not be a XXXX point difference between Experian and the other XXXX bureaus. Something is not correct and I am hoping you can help me get some feedback as to what Experian is doing to my XXXX XXXX in such a negative way. Thank you for your time. Please take note that my Experian score never seems to go up that often instead it always drops while the others go up more often.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, I tried to make an Online Dispute with Equifax, but their website is " down. '' On XXXX XXXX, 2021, Equifax reported my credit as Serious Delinquency and Time Since Delinquency is Too Recent or Unknown to a third-party, XXXX XXXX XXXX XXXX. 

This is a false and defamatory statement. 

Equifax states on my current credit report, that ALL my current and past installment, revolving, and mortgage accounts have NO LATE PAYMENTS. Equifax further reports on my credit report there are no Bankruptcy or Collections. 

How can Equifax report No Negative information on my credit report, but also tell a vendor, ( in this case, XXXX XXXX XXXX, that my credit is Seriously Delinquent? 

This is wrong and must cease. 

As a matter of fact, XXXX  reports my FICO as XXXX a Very Good credit rating. XXXX  reports that all my payment history is EXCEPTIONAL. 

I want Equifax to stop erroneously reporting and misrepresenting my good credit standing. 

I appreciate your time in considering my request and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 

XXXX XXXX XXXX Late Date XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX Is reporting to my credit report false information and Credit Agency XXXX | Experian have removed my real account. 
False Account Reported is # XXXX $ XXXX collection or deliquent, My real Account which was deleted is # XXXX $ XXXX paid off in good standing, they deleted my account and left the # XXXX on my file. Please have this report removed immediatly from XXXX and Experian, they are in violation and defamation of my credit rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates with account XXXX states this debt should have been deleted XX/XX/2019 I want this account totally removed from all credit bureaus effective immediately they are negatively impacting my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I used a moving company that charged my card for a lot more than the agreed amount. I notified my bank, and disputed the partial amount of {$260.00} that I was overcharged for. I did not have paperwork, as I was told it would be emailed to me. It was not. They did not remove the amount, even though I did everything I was able. 
I would like to note that out of the thousands of transactions I have done with my card, I have only disputed XXXX transactions. XXXX. The other I had a nightmare with, and I had actual documentation! They do not listen or actually take in account what is told. I was also hit with NSF fees due to this money being pulled back out of my account. I was overcharged and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

On Saturday XX/XX/2019 my friends and I attended the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX infield. I stood in line to buy drinks for the three of us, we elected to get two each. At {$10.00} each this would cost us {$60.00}. I gave them my card and when they swiped it, it gave them a working sign, I waited for 10 minutes so I could sign and tip them, but the process never completed. It was a blank screen with the spinning circle. I checked my account on my mobile app and it still had not approved. They said they were having internet issues and Id have to pay cash. I didnt have cash so we didnt get the drinks. A few days later, I found a {$69.00} charge on my account. The charge had completed and they added themselves a 15 % tip! I called Chase and gave them all of that information. They said theyd disputed it, gave me a credit. I didnt hear anything until today when I received a letter saying the claim was denied and they were taking my credit back. They explained that because they provided a signature visa sided with the merchant. I asked them to dispute again as fraud and they refused. They told me I had to work with the merchant directly or file a police report and pursue legal action since I was accusing them of fraud. I asked if they had a phone number for the merchant so I could call because I could not find anything by searching the merchants name and when I tried to call the venue, nobody answered. I never received anything for this transaction and I never signed anything. I feel like Ive gotten nowhere with my bank.
Product: Mortgage

I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.
Product: Debt collection

AD ASTRA REC is claiming that I owe them {$1500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Student loan

I applied to the Public Service Loan Forgiveness ( PSLF ) program and my federal student loans were transferred from XXXX to FedLoan Servicing, a requirement of the PSLF program. FedLoan accepted me into the program, but rejected ( for false reasons ) the vast majority of the payments I made on my student loans over the past 10 years. I have made, upon my review, 50 qualifying payments on one loan that were deemed " ineligible '' payments and 41 qualifying payments on a second loan that were similarly deemed " ineligible. '' Almost all of these rejections were based on a payment being made late, even though they were made on time. I submitted evidence of these timely payments to FedLoan Servicing a month ago and have gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 a formal letter was mailed to the credit bureau regarding the accuracy of information being reported for XXXX XXXX XXXX Account # XXXX. I requested immediate deletion of this account due to incorrect connotation. 

As of today XX/XX/2020, which is well past the allowed 30 days to respond, the credit bureau has failed to delete this account. Therefore I request that this account be deleted from my credit report immediately.