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

On XX/XX/2016, in response to a bonus account advertised by Citibank, I opened a new checking account at a local Citibank branch. I deposited {$15000.00} which was supposed to yield a {$400.00} bonus in 90 days. The personal banker who helped me listed the following requirements that I needed to meet : 1. Keep at least {$15000.00} in the account for 90 days, at which time the {$400.00} bonus would be deposited into my account ; 2. She said that I also needed to fulfill the following requirements -- sign up for online banking, open a new debit card connected to that account, and pay at least XXXX bill online from that account. I did complete all requirements successfully. My husband had opened the same type of account ( separate from mine ) the day before on XX/XX/2016. I found out later that the same Citi personal banker did not tell my husband that any of the requirements listed in # 2 above were needed ( i.e., they were in fact not needed ). 

The 90 day deadline passed, and no {$400.00} bonus was posted to my account ( or to my husband 's separate account ). I called Citi. It was very difficult to get through to the correct Citi department, but they finally placed an inquiry claim for me. Afterward, I was finally able to also get through to the local Citi branch, again after much difficulty. I spoke to the same personal banker who opened my account. This time she gave me different information than what she provided when I opened the account. She at first said the {$15000.00} minimum needed to be in the account continuously only for the first 30 days, 90 days after which the {$400.00} bonus would be deposited to the account ( i.e., the bonus would be deposited after 120 days, not 90 days as originally promised ). Contrary to what she had said on XX/XX/2016, she also said there were no additional requirements for this account, i.e. those listed in requirement # 2 above. During this call my husband also spoke to the same personal banker, as his {$400.00} bonus had also not been deposited into his account. The banker later called back to say that she had deposited my husband 's bonus to his account, and that my bonus should be posted in a few days ( i.e. we did not have to wait for 120 days ). 

My husband did eventually receive his bonus. I still have not received mine. Today is about 130 days since I first opened the account -- well past both 90 days or 120 days. In response to the claim Citi opened for me several weeks ago, I received a letter about 14 days ago confirming that my account did meet all of the necessary requirements for the bonus. I again called Citi after receiving the letter. They opened another inquiry and said the bonus should be posted to my account by this week at the latest. The bonus has not been posted. I want this bonus posted to my account! Also, if I had defaulted on a bank account, loan, etc. I would be assessed a penalty fee. I would like the same from Citi.
Product: Mortgage

Our transition from XXXX XXXX  to NewRez has been full of miscommunication and representation. We have had perfect payment history with XXXX and tried to pay our mortgage due during the transition to NewRez ( we never received our welcome packet or information to pay ). Between XXXX to XXXX - we have diligent tried to pay our mortgage and work with the new Mortgage provider. Constantly being reassured we are within RESPA by both XXXX and NewRez, waiting for the documentation we were unable to pay our mortgage with the new provider. The new provider then reported TWO 30 day lates against our credit which sent our finances and credit into a downward spiral. 

Shellpoint Mortgage is owned by NewRez and its representatives express inexperience and lack of professionalism. The company 's infrastructure shows they are unable to properly track communication and or escalations.
Product: Vehicle loan or lease

In early XXXX suntrust bank repossessed the truck when the payment was not behind. I lost work and filed complaint then but all i got was excuses. Then in XXXX I was informed by Suntrust that the loan was charged off on XX/XX/XXXX yet they accepted a payment on XX/XX/XXXX. I then made a XXXX payment to Suntrust and I was then informed they did not accept it nor did they send me notification that it was charged off. I then continued to make the payment in fear of having the truck repossessed AGAIN like they did when a payment was not yet due. Four complaints to your office in five years and nothing have you did. I spent four thosand dollars last year with tires a new front end brand new computer and bought a new engine waiting to go in the truck. But no title because of weak goverment AND A GREEDY BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, In my XX/XX/2022 credit report I noticed a wrong name and/or name variation- please have this corrected asap. 

attached to this are : - my drivers license - my social security card - my address- my complaint - screen shot of where it is located Please remove all incorrect name and/or variations as soon as possible.
Product: Credit card or prepaid card

Avant LLC has charged me late fees that caused my account to go over the limit. For about XXXX months Avant kept charging me those fees at XXXX per month. I was unemployed during that timeframe. I called Avant LLC in concerns to my credit card just to be told they wont be able to assist me. I have requested copy of the statements which they have informed me that they do not have
Product: Consumer Loan

I had a XXXX month lease with Honda Financial which was paid on time, every month. The lease was opened in XXXX XXXX and closed XXXX XXXX. Due to my real estate business, I had to declare personal bankruptcy in XXXX XXXX, a full XXXX months following the end of my lease with Honda. By their own admission they never closed out my lease and put my account into their bankruptcy dept. I, however, NEVER included Honda Financial as part of my bankruptcy petition and the account should have been closed as paid, satisfied, on-time as of XX/XX/XXXX. My credit report prior to my filing showed the account in good standing. After filing my bankruptcy, again, in which Honda was never included, the account is now showing as " closed-derogatory '' and included in bankruptcy. I have contacted Honda multiple times and even have a letter from them stating that my account was paid, on-time and closed in good standing as of XXXX XXXX. However, when Honda Financial reports to the credit bureaus they are still reporting the account in bankruptcy. It was fixed and then they reported in XXXX XXXX ( not sure why since the account is " closed '' allegedly ) and it is back to being reported derogatory and in bankruptcy. I have spent countless hours trying to get this corrected, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX Prior to that notice on my report. I have two letters from XXXX XXXX who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional information.
Product: Bank account or service

On XXXX XXXX, 2016 Regional Acceptance Corp, a subsidiary of BB & T Bank took monies in the amount {$390.00} from my personal checking account at XXXX XXXX XXXX ILLEGALLY, WITHOUT MY CONSENT OR KNOWLEDGE OR AUTHORIZATION and has refused to return the monies upon demand. It cause my bank account to become negative with bank fees!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX BANK AND XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX XXXX  I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports Update the late payments to paid as agreed.
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a thorough verification of everything on my credit report they did and state everything was accurate. I then did a thorough look over it myself to find there were some improperly accurate on my credit report even after they did thorough verification and research 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 am writing to have these hard inquires remove from the following that appears on my [ XXXX, XXXX and XXXX ] consumer report : In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my write agreement.
Product: Mortgage

Hello, Over the course of the last 9 months, I have received non-stop daily phone calls from Ocwen Financial Corporation regarding an amount in excess of {$500.00} that they say I owe even though my loan ( closed end second mortgage ) matured in XX/XX/XXXX and I have never in 20 years made a late payment. My loan should have a {$0.00} balance. I, as well as my daughter, have called Ocwen more than 5 times over the past 9 months to try and determine what this amount is for and the people that answer the phones have no idea. Every time we speak with them we get the same story " I 'm sorry, I do not understand why you have an outstanding balance as it looks like all of your payments have been received on time. '' " I will open a research ticket and have someone call you back with an answer as to what this amount is for. '' No one from Ocwen has EVER called me back. NO email, NO regular mail, NOTHING! So, on XX/XX/XXXX, I submitted a formal QWR ( Qualified Written Request ) via fax, regular first class mail, and through their website. Today, XX/XX/XXXX, I  received two emails from them 1 ) with a payoff quote and 2 ) with a copy of my Promissory Note - neither of which I asked for. To date, I have not received an acknowledgement letter of the QWR I sent them nor have I received an answer as to what this money they 're asking for is for. And to top it off, I am now getting threatening letters from them stating they are going to place a lien on my property and foreclose on it if I do n't pay the $ 500+ they are asking for. How can I owe anything if my loan has been paid in full??? All fees and everything have been paid. The payoff statement they sent shows that this $ 500+ is for principal. How can that be when my loan matured 4 months ago???? I am in my XXXX 's and a XXXX widow - I can not handle this kind of XXXX. Why is it so hard to tell me what this balance is for? It 's ridiculous. Please help me. They are probably reporting this to the credit bureaus and ruining my credit as well. I am begging for an answer. 
I have attached a copy of the QWR that I sent them on XX/XX/XXXX. Thank you for any help you can provide in getting an answer from them. 

Sincerely, XXXX
Product: Debt collection

I am currently a customers with XXXX, service that pays toll roads on your behalf. When my debit card had to be destroyed due to fraud they were unable to process my payment. They turned the debt over to Municipal Service Bureau, a private debt collection company. They issued me a bill and I paid it. They then issued me further bills after this payment. 

I disputed this payment both by their internal methods and by a certified letter saying that I did not understand these charges and that I believed that they were in the wrong to issue further late charges as a debt collection agency. I contacted them regarding this letter and was told they had no record of my debt. 

Later, I received another notice that payment was due. I told them that I would not pay the late fees, but offered to pay the original tolls. They would not accept this resolution and now have a total due for me of {$200.00}. The original tolls total : {$28.00}. 

I have made clear to them that I will not pay this and am now seeking other resolution options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/20 for a reinvestigation of a dispute I started against the company XXXX and provided them with proof of response from my filing of complaint to the consumer financial bureau about the collection agency XXXX ( that appears on my credit report ) in which XXXX agreed to remove their account from my credit report. Experian sent me a response on XX/XX/20 stating that XXXX will remain on my report despite the proof I provided that they should be removed. I dont believe they actually contacted the company or looked at my documents. They did absolutely no investigating and gave me results in less than 24hours that were incorrect. I want that company removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account CHILDSUPPORT, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 
It also states a consumer reporting agency can not furnish a account Without my written instructions.
Product: Credit card or prepaid card

I bought a Vanilla Visa Gift Card in late XX/XX/XXXX and loaded the card with {$500.00}. I'm located in Massachusetts, I bought the card in Massachusetts and I did not leave Massachusetts during the time of this issue. Immediately after I bought the card, someone made charges on it at a number of stores including a XXXX XXXX XXXX and a XXXX  in XXXX XXXX that totaled more than {$400.00}. Once I noticed the transactions, I notified Vanilla and they closed the card. I can't even access the transaction history for the card now. As a result of these fraudulent transactions, I have not been able to use any of the {$500.00} XXXX put on the card I submitted a dispute packet to Vanilla Gift Card on XX/XX/XXXX and resubmitted it on XX/XX/XXXX. Vanilla acknowledged receipt of my dispute packet on XX/XX/XXXX and told me I should expect a " complete resolution within 90 days '' of XX/XX/XXXX. Despite this promise, they have not responded to my dispute. Moreover, I have emailed several times seeking information ( XXXX XXXX, XXXX, XXXX. XXXX, XXXX ) about my dispute and they have not responded. I also called Vanilla Gift Card on XXXX. XXXX and I was on hold for over an hour and no one answered. 

When this card was sold to me and loaded it is clear someone had already stolen the number and was just waiting for money to be added to the card to drain it. Vanilla should fix this situation, yet they will not respond to my dispute.
Product: Credit card or prepaid card

TD Bank has misplaced my payment for an account, inaccurately reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts to resolve this issue. I believe this behavior is a violation of the Fair Credit Billing Act, the Fair Credit Reporting Act, and other consumer laws and regulations, and seek immediate remedy from the Company. In the Fair Credit Billing Act, I would point out the following provision in the Federal law : " 164. Prompt crediting of payments Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Board I have submitted proof that I mailed payment to TD Bank on XX/XX/2022, which according to the USPS was delivered by XX/XX/2022. I was not credited until XX/XX/2022. This is in no way a prompt posting of my payment, and is therefore not compliant with the Fair Credit Billing Act. The Bank is violating a second law, the Fair Credit Reporting Act, which states : " 623 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. '' The Bank, after my XX/XX/2022 phone call, after previous letters, and certainly after today 's complaint, has had more than reasonable cause to conclude that my payment was not 30-days late, as it reported. Rather, the most likely outcome was that my check, mailed promptly and in good faith on XX/XX/2022, arrived to its processing center well before the due date of XX/XX/2022. Therefore, as per the Fair Credit Reporting Act, the Company has a legal obligation to correct this record with the consumer reporting agencies.
Product: Credit card

What happened : On XX/XX/year>, Bank of America flagged my account as 30 days past due and reported it to XXXX, negatively impacting my credit score. However, I was not notified of the past-due status until XX/XX/year>, when I received an email from Bank of America informing me that my account was past due.

I acknowledge that my payment was late, but I was under the impression that I had successfully set up auto-pay on Bank of America 's website. I had encountered multiple issues while trying to set it up and had no notification that auto-pay had not been activated. The first and only notification I received was on XX/XX/year>, a day after they had already reported me as late. 

Upon receiving this first and only notice, I immediately made a payment on XX/XX/year>, to bring the account current. Within the next several days, I paid the remaining balance in full ( XX/XX/XXXX and XXXX, XXXX  ). 

Despite my prompt action, XXXX notified me on XX/XX/year>, that Bank of America had already reported the late payment before I had even been informed of the past-due status. This led to a XXXX drop in my FICO score, which I first saw reflected on XX/XX/year>. 

Why This Is a Problem : I was not given prior notice before Bank of America reported the delinquency. 
I had no idea auto-pay was not properly set up, and Bank of America never informed me until after reporting the late payment. 
As soon as I was notified ( XX/XX/year> ), I immediately paid the past-due amount, then paid off the remaining balance in full. 

This late payment report is unfair and extremely damaging, especially since I took action as soon as I was informed. Had I been informed of my account being past-due prior to Bank of America reporting , this would not be on my credit report. My fiance and I are in the process of trying to buy our first home in the next 90 days, and this has been extremely damaging to my credit score.
Product: Money transfer, virtual currency, or money service

XXXX scam back XX/XX/2021 {$3400.00} paid me al but that amount. The bank employee even talked to the scamers on phone. Told me shouldn't have ok transfer. Told then I thought I was talking to bank. Gave me the money back then turned around took it back out off account. 2 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax are in violation According to 15 USC 1681i, XXXX and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have inaccurate and inconsistent information and as well Equifax is reporting the account twice while XXXX has the account with no account number and has the account status as an OPEN account as well as an CLOSED ACCOUNT. They are in violation evidence provided below for US DEPT OF EDU Acct # XXXX & XXXX for XXXX