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

Dear Customer Financial Protection Bureau, I am contacting you in complaint of Citibank 's abuse of their terms of conditions through not depositing an opening account bonus of {$700.00} to a Citi Priority customer who has correctly and accurately met the conditions to receive said bonus. After originally signing up for a Citi priority checking account on XX/XX/2020. I signed up for paperless statements and deposited a combined amount of over {$50000.00} within 30 days as stipulated by the conditions of the bonus.I met the condition to receive the bonus on XX/XX/2020 which was confirmed by their representative online as well as the Citi Priority Customer care representative over the phone.

The bonus offer clearly states that once conditions have been met for the bonus, it should be paid into the checking account within 90 calendar days of completing all required activities. This would mean I should receive the bonus by XX/XX/2020 at the latest. I have still not received the bonus at of XX/XX/2020, even after all indications were given that I would receive it by this date at the very latest. 

I spoke to a customer service representative today by phone XX/XX/2020 who told me I needed the promotional code so that I would qualify for the bonus. I have never received a promotional code from them, even though I clearly signed up for their {$700.00} bonus promotion. I signed up for the {$700.00} bonus through Citibank 's own website and link to the promotion. The representative indicated that I may not receive the bonus without the code. 

After this I then spoke to their representative by their online chat and they indicated I would get the bonus by the third week or fourth week of XXXX! That would be nearly 1/2 year since I met the conditions to receive the bonus. 

I have attached all my documentation and evidence in the attached file. 

I find Citibank 's customer service quite repulsive. They have constantly lied to me and do not feel obliged to meet terms and conditions, even though they expect their customers to do so. This is not the way a bank should do business in 2020. 

I have attached as much documentation as possible in the pdf file regarding the above. 

Sincerely.
Product: Student loan

I reached out to Earnest by email and phone call in regards to their process in discharging private loans on XX/XX/XXXX and XXXX of XXXX. I attended the XXXX XXXX XXXX XXXX and XXXX also known as XXXX XXXX XXXX from XXXX. Same school two different names were listed in the lawsuit Sweet vs Cardona. The Department of Education approved my borrower 's defense application agreeing in the misconduct and misrepresentation of the school. Earnest will not discharge the private loan due to a refinance of the private loan because the funds were not used directly in attendance to the school. I am challenging this decision based on discrimination and my good faith efforts in keeping the loan current for the life of the loan which originated in XXXX with XXXX XXXX. The purpose of the refinance was to lower the interest rate and release the cosigner. XXXX XXXX later sold off to XXXX who held the loan up until XXXX when I refinanced to their parent company Earnest. Any loan originating from XXXX probably has changed hands once or twice so the basis of the funds not being used directly toward the attendance would be an inaccurate reason to be disqualified. What private loan has ever stayed with the original lender, refinance or not? Additionally, when the email was returned from Earnest the phone number listed on the email to call for further questions goes back to XXXX not Earnest. They are one in the same lenders so the funds didn't go from one lender to the next, the funds stayed within did they not? Then why does XXXX have a phone number listed when it should be Earnest? I found this out when I called the number ( XXXX ) and reached a XXXX who had to transfer me to Earnest because her supervisor and her had no information and couldn't help. I then spoke to a XXXX who I requested to escalate the issue as everyone said since it was a refinance I wouldn't qualify for a discharge. To be penalized on doing the right thing and trying to refinance only to later find out a refinance would hurt me, or many others as discussed when new rules were all of a sudden given do all the news about student loan forgiveness and discharge. Of course loop holes would be a given. Especially when interests rates sky rocketed what were we as consumers suppose to do. XXXX also developing and kept a discharge program quiet is very uncouth. Considering they've already faced multiple complaints against providing unaffordable loan payments which I'm sure I've fallen victim to as well.
Product: Credit card

As you probably know, all American Express XXXX cards were converted to XXXX on XXXX XXXX 2016. I have no problem with that. But, now I am unable to download my recent statements. American Express says they turned them over to XXXX. XXXX says they never got them. Somebody has my statements and I want them. I think Amex is just being rude because they 've lost the business.
Product: Bank account or service

In the XX/XX/XXXX I applied for a CitiGold checking account with CitiBank. They were running a very attractive bonus offer : XXXX XXXX XXXX miles for opening an account and spending {$1000.00} on the corresponding debit card AND using their billpay option for XXXX months straight. They even allowed the initial deposit to come from a credit card. Over the course of the XXXX months after opening this checking account I met the terms of the offer AND used secure messaging and at least 1 phone call to their customer support to make sure I was qualified for this offer AND that I had met the requirements. I was assured in both cases that I had. 

The terms required " up to '' 90 days after the statement close on which requirements were met for the points to post. That was around XXXX/XXXX/XXXX for me. No points. In fact, NOW Citi 's customer service is opening " research cases '' that seem to be taking weeks to complete ... what research is needed is beyond me. I am currently on my second pass, the research case is now " escalated '' and I 've waited XXXX weeks with no word. In the meantime, Citi is happy to charge me {$30.00} a month in fees for this account. I 've paid XXXX fees so far and am working to NOT pay another fee on XXXX. 

To be fair, the fees were part of the agreement. However, so was the XXXX miles bonus which Citi is not rewarding. Even better is the length of time it is taking these " research cases '' to complete, all while Citi is charging {$30.00} a month. 

I am sorry I was lured into this offer and I will never trust a deal from Citi again. However, I am positive I am due the promised award of XXXX miles and this is the focus of my complaint. What kind of scam is this, particularly when the CSRs are telling you you are good to go ... until it 's time for them to ante up? 

I will close this account and several other accounts I have with Citi. After many years of doing business with them, I now can not trust them. But I still want the promised bonus particularly since I did all of the work to meet their published requirements with the CSRs coaching me along the way.
Product: Checking or savings account

I opened an account with Citibank, using a check I got from a job settlement from my lawyer. Two days later my account was closed for fraud and suspicion. The company explained that the check I have is invalid. My lawyer is telling me it works fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a vicitim of identify theft froud when I went to rent and apt i discovered that my ex boyfriend at leaset that what i believe used my personal information to obatin credit apartments and ect in my name without my knowledge i am watching my credit daily and this item poped up in which it does not belong to me and i would like it removed deleted and updated ASAP XXXX XXXX also know as XXXX XXXX XXXX for {$650.00} opened XX/XX/XXXX I have contacted my local police and made a report also the FTC this man has been trying to mess up my life since i broke up with him but I have no real proof my information has also been in serveral data breacheXXXX XXXX XXXX XXXX  amount {$1300.00}
Product: Checking or savings account

I open the claim with cfpb now they closed my account for no reason and are holding XXXX from my savings account I got papers in the mail from boa saying they are closing the account and today I received my statement saying I have XXXX in my account and wont give it at the bank or any easy they have to mail it and they want me to wait until XX/XX/XXXX when I need my fund
Product: Debt collection

XXXX XXXX at TSI incorporated on XX/XX/24 contacted me about an alleged debt with XXXX XXXX. He requested repeatedly that I make a payment. I requested that he mail me any forms, documentation of the debt, account numbers of the alleged debt, state license of TSI to collect the debt, and verification that they have been asked to collect the debt. He refused and stated that I needed to make a payment.
Product: Mortgage

This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.
Product: Bank account or service

There is a account from Capital One bank on my credit report, I have never had an account at Capital One bank.
Product: Debt collection

calls everyone in my family and Claims there is Fraud Associated with my SSN, but will not send mail or letter confirming, the call originates from XXXX ext XXXX " Office of XXXX XXXX '' also know as premier recover group. 
they call my family and work harassment with false claim I owe a debt, this is a scam or Fraud.
Product: Debt collection

I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Ohio for an exam on my XXXX. I needed a XXXX  and XXXX XXXX fixed. The woman at XXXX XXXX scheduled me for two appointments. The first was the XXXX XXXX and second appointment to fix XXXX. I went ahead a pre-paid for BOTH appointments in the amount of {$1100.00}. 

I went to XXXX XXXX at the office in XXXX XXXX, Ohio on XX/XX/2019, for the XXXX. Had my XXXX XXXX and left. The next appointment was two weeks out. I received a bill from XXXX XXXX  for {$1500.00}. They subtracted the {$1100.00} and claimed I owed {$380.00} for just a XXXX XXXX. I went up to the office for an explanation. They claimed they injected me with over a {$1000.00} in XXXX  that I did not agree too or sign for. 

In essence, XXXX XXXX charged me {$1500.00} to clean my XXXX. It's {$10.00} at the local college for the same process and more thorough. Now XXXX is sending out this as an unpaid debt to collection agencies. 

I received a letter from Radius Global Solutions, LLC. I contacted them and explained the situation. They did a follow up and XXXX XXXX  forged documents and lied about the services provided. I know this because I received their " account details '' that a littered with unauthorized charges and complete falsification in some cases. 

Who would pay {$1500.00} to have a XXXX XXXX?
Product: Credit card or prepaid card

I am currently an  XXXX   XXXX  service member. I opened a  XXXX   XXXX   XXXX   XXXX  account with Barclaycard on  XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act  ( SCRA ) si nce I was opening the account after I started  XXXX   XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on  XXXX   XXXX . I then receive a letter from  XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed,  XXXX   XXXX ,  XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.
Product: Credit reporting or other personal consumer reports

On numerous occasions I contacted Experian Credit Bureau about why it is a negative account attached to my consumer report. I was given a phone number to contact the original creditor so I can get this off my consumer report. This information is report inaccurate on my Experian Consumer report and I would like it removed immediately. I am going to attach both my XXXX and XXXX Consumer report to show that I don't have any negative accounts. I am being violated by consumer law 15 US Code 1681 s 2.

Please help me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company
Product: Credit card or prepaid card

So, back during the pandemic, XXXX, and BofA decided to close my acct while their was still money in it, because of f suspected raud .... After some time, it was re-opened once they realized I wasnt fraudulent. But my money was gone. As time has gone on, BofA randomly sends me letters saying they have sided in my favor and they have issued a refund of ( insert random amount )... Well, I got another one of those letters on XX/XX/XXXX. But BofA is no longer the vendor for XXXX payments. WHich means, BofA decided to close all XXXX accounts back in XXXX. Conveniently. SO BofA points at XXXX, and XXXX points at BofA ... ..Logically thinking, BOfA held the money, issued the letter, and issued the refund, and even went so far as to ALMOST do a wire transfer of the funds, but at the very last second, decided, they couldnt trust the branch manager where I did my in person verification. So they withheld the money. After posting every single day since on twitter to the help dept, all they do is say they need time to review my complaint, or that my complaint has been escalated and I should be patient, or Ive even been given a call on a few occasions to say these things on the phone. BUT NOBODY EVER FOLLOWS UP. Now after losing my truck when I was told to go to a branch for in person verification and I would get my money, at which point i ran out of gas and the truck was towed before I could make it back with a gas can I am contacting all of these agencies to try and get some help. What they are doing is unethical, unfair, irresponsible, to say the least. I believe as the holders of finance these people hold the livelyhood of its customers in their hands, and should be held to a standard of conducting business, that exceeds that of other businesses. This type of slow playing, or lack of follow thru, is again, a violation of such ethical obligations, and I would say even borderlines if not completely steps the line of discrimination. To say the least it is a gross violation of its responsibilities, and therefore I am reaching out to try and get some relief in this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on all platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action had caused significant inconvenience and financial loss, and I seek appropriate redress for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

recieved a recorded message on XXXX XXXX 2017 from a XXXX XXXX from Western Control Services stating " this is a call from a debt collector and read the mini-mirana " This communication is a attempt to collect a debt by a debt collector and any nformation obtain will be used for that purpose ''. left a number of XXXX XXXX XXXX i was entertainng some my family and they heard the message. according to the FDCP 805 ( a1 ) Commuincaton in connection with a debt should not be left on a recorder for anyone to hear. only name co name and phone numbr.
Product: Debt collection

I hope this letter reaches you amidst a rare moment of competence, as my recent experiences with your organization have left me utterly dismayed and incredulous. It has become apparent that Equifax Information Services LLC is either grossly incompetent or intentionally negligent in addressing legitimate disputes on my credit report. 

I have submitted multiple requests for the investigation and correction of inaccuracies on my credit report. However, the responses I have received from Equifax thus far are nothing short of absurd and unacceptable. 

Your organization seems to excel at concocting preposterous excuses and providing no tangible resolutions. I am not amused, nor do I find humor in the blatant disregard for your responsibility in accurately reporting consumer credit information. 

It is beyond my comprehension why Equifax fails to comply with even the most straightforward requests to rectify errors on my credit report. This level of incompetence is not only frustrating but also a blatant violation of my rights as a consumer. 

XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into the inaccuracies on my credit report. This is not a request for courtesy ; it is a demand for compliance with the law and the basic principles of accountability. If your organization continues to evade its responsibility, rest assured that I am prepared to take legal action to ensure the rectification of these issues. 

I insist on receiving a comprehensive written response within 15 business days detailing the actions Equifax will take to investigate and correct the inaccuracies on my credit report. Failure to provide a satisfactory response will leave me with no alternative but to escalate this matter through legal channels and file formal complaints with the appropriate regulatory bodies. 

The time for excuses and evasion is over. I expect a level of professionalism and competence that reflects the gravity of the situation. Your immediate attention to this matter is not just requested ; it is demanded.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XX/XX/2022 XXXX XXXX XXXX {$840.00} XXXX Date Opened : XX/XX/2022 2022
Product: Credit card or prepaid card

Online banking issue, the 2 step verification process for my capitol one card will not allow me to login, I do not have a cell phone and my landline is a voip number, I have called 3 times to the company they have no way to bypass or to reset the account, they only say that there is nothing that they can do. They used to be able to send an email as verification they say that they do not do that any more.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax and XXXX to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX {$900.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from XXXX and Equifax. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago
Product: Credit card

This issue involves PayPal Cashback MasterCard. 

On XX/XX/2024 I had a balance of {$11000.00}. 
I paid the minimum balance of {$360.00} on the due date XX/XX/2024. 
On XXXX XXXX I paid the remaining amount of {$11000.00} and the balance on the account went to {$0.00}. 
On XX/XX/XXXX I was charged an interest charge of {$190.00}. 
I called the paypal customer service number the same day and asked why I was being charged interest on a balance of {$0.00}. The representative explained that if I pay the minimum balance and carry a balance past the due date I would be charged interest of the remaining balance 7 days later which would be for {$190.00} on the XXXX of XXXX. 
On XX/XX/2024 I paid the remaining balance of {$190.00}, XXXX weeks before the due date to avoid any other " interest charges ''. 
From XX/XX/XXXX to XX/XX/XXXX, I had no balance due, but today, XX/XX/2024, I noticed an interest charge of {$2.00} on the account. I called PayPal customer service again and the first person I spoke with was rude and hung up on me when I tried to explain the situation. I called back and spoke with a different person and she was just as rude but a little more helpful. First she tried to explain to me that I made a late payment which wasn't true, and I explained what was on the statement and how I was not charged a late fee, because the payment was made on time and I didn't have a balance on the due date because I paid the account off two weeks before the due date. Eventually she told me they would waive the the XXXXXXXX XXXX off of the account and I 'should n't ' see another interest charge on the account again. I'm reluctant to believe this considering it's the third time I've heard that from their customer service.