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

Hi, I have a problem with Citi bank on the checking account opening promotion. I opened the account in XXXX with the promise of {$500.00} as bonus. And i have met all of their requirements. And they said the bonus will be deposited by XX/XX/2018. But it did not happen. 

I called and they launched an investigation for a month. On XX/XX/2018, they said I was not eligible. I called again. They said they made a mistake and launched a second investigation. And I called both its cooperate customer service, the branch and the online chatting, but all of them just made me wait! 

The customer service representatives said everything looks fine but I was just being put away. 

I had to keep all of my money there for the account to be qualified and I feel they are just dragging the process. And it starts to feel like a spam. 

Could you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM TRANSUNION AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT TRANSUNION ABOUT THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. TRANSUNION CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT TRANSUNION REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY.

ACCTS DISPUTED AND TRANSUNION REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX
Product: Checking or savings account

My US Bank checking account was a free student checking from over a decade ago when I was a college student. I liked it. Had no issues with it. All of a sudden, US Bank converted my account to a new Smartly Checking account against my will. I was told there was no choice. It was converted automatically and nothing could be done. 

XXXX agent XXXX @ XXXX stated I would never have monthly maintenance fees on this new type of account. 

Within the past couple of weeks I received a new email stating the above is false. I will have a monthly maintenance fee.

There was one way out which is to have an active smartly credit card. I have a u.s Bank credit card so I called to have my current credit card converted to a smartly credit card.

I was told I could not convert my card but they would happily allow me to APPLY FOR A BRAND NEW CREDIT CARD.

So they converted my checking account to a new product with a monthly maintenance fee without my permission. AND The only way around the monthly maintenance fee is to APPLY FOR A BRAND NEW CREDIT CARD.

You can see why I'm informing the CFPB as I feel like this is XXXX XXXX all over again. This has to be illegal. forcibly converting and making you open new accounts.
Product: Checking or savings account

I sold something worth {$70.00} to someone and they chase quick pay'ed me the money and then they called Chase and said it was fraud. Chase thennclosed my account without even contacting me and I can't open an account there anymore. I've tried calling multiple times and going in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Product: Checking or savings account

On Friday, XX/XX/2013, I walked up to an ATM Machine located inside the XXXX XXXX XXXX in XXXX XXXX, XXXX. I inserted my Bank of America debit card, clicked Balance Check " on the screen '' The balance was {$62.00} and change. 

Then I decided to withdraw {$50.00} because the fee was {$6.00}. So, I authored everything. The print out reflected Available Balance {$6.00}. ( See image ). Then I went to XXXX XXXX, and bought toilet paper and paper towel for {$2.00}. That's the ONLY transaction I made. 

Yesterday, XXXX, I went back to the same ATM late at night, around XXXXXXXX XXXX to check my balance on the screen. I wanted to know if XXXX had refunded {$38.00} of double billing ; and can you believe the screen reflected NEGATIVE XXXXXXXX XXXX and change. How can that be? My account does not have over draft protection. The ATM fee was removed up front the same moment I withdrew {$50.00}. So, where is the negative balance coming from? 

XXXX XXXX XXXX
Product: Debt collection

OTHERS XXXX XXXX XXXX XXXX XX/XX/2016 {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. The people that I remember dealing with or were involved with this were XXXX XXXX & XXXX XXXX. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up, and even said it can go up {$29000.00}. We were alsotold that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for me but we were never properly educated of the fees involved. Everything was rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. They have our ID during this process. They offered us gift vouchers. We weren't properly informed how to cancel. We didn't even know how many days to cancel. I was XXXX and my wife was XXXX y/o at the time and we feel like our ages were taken advantage of. We have medical conditions such as XXXX, XXXX problems, XXXX  XXXX  etc & having this timeshare just doesnt help, it just gives us financial difficulties. Plus, they will keep on calling everyday. Having this timeshare just causes us stress plus the current problems and issuses we have due to XXXX. Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed by credit report on XXXX and XXXX and found an open account on my XXXX report that was open XX/XX/XXXX with an open line of credit of XXXX with a company called Citizens Pay LOC with a partial acct number of XXXX. The business address is XXXX XXXX XXXX XXXX, RI XXXX and a contact number of XXXX. It shows a balance of XXXX and monthly payments are XXXX. 

On XXXX, this acct. show Citizn Pay LOC with an acct. number of XXXX. The acct. was open XX/XX/XXXX and it says the acct type is Overdraft/Reserve Checking account. The balance is XXXX and the credit limit is XXXX and monthly payment is XXXX. The business address is reported as XXXX Citizens Bank XXXX XXXX, RI XXXX. 

I attempted to call this business number and that number XXXX is not a business number. 

On XX/XX/XXXX I called by credit reporting company and locked my credit file and the company placed my report as a fraud alert. 

On XX/XX/XXXX I called my local police department and filed a police report. The police report number is XXXX.
Product: Credit reporting or other personal consumer reports

I have been having issues with Equifax Credit over my credit report for years. There is always an issue accessing my Equifax report credit report online. I have been told that my report is too large, my file is mixed up with someone else, or 10 other things. I have complaints and complaints and it's always the same response " We will escalate this to our back office over and over again. I have had my credit report completely deleted and I had to wait for my existing creditors to re-report my accounts again. I lost all of my historical data because of Equifax. 

Now for the past 5 months, I have been unable to view my report online and their response is always the same. You need to send us a copy of your Driver 's license and SS card, or we will escalate this to our technical support department or back office team, 5 months later, 13 calls to them and I still can't access my report online. I don't need them to send me a copy of my report. I want to view it online like everybody else can.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX AMERICOLLECT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX L SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX
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, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove 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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I have had a checking account with Truist ( originally BB & T ) for several years. Since the merger between BB & T and SunTrust, it has been increasingly difficult to access funds in this account. I only use the account infrequently, but every time I have tried, I have run into roadblocks from Truist.

I decided to close the account and was told I had to withdraw the balance from the account before it could be closed. When I tried to transfer the funds out of the account, I discovered Truist had frozen the account and I could not access the funds. When I have repeatedly tried to get the account unfrozen, I was told I had to physically go to a branch to withdraw the funds. I am presently unable to leave my home and am unable to go to the branch office. When I explained my situation for the third or fourth time over the phone, I was told to submit a letter that had to be notarized and they would see about mailing the funds to me. 

If I could go to a notary to get the letter notarized, I would be able to go to the branch bank. This is a ridiculous barrier to letting me have these funds. We are only talking about {$1400.00}.
Product: Credit card

I its my job. Fell begins my payments. Finally found a job. Trying to get a hold of Wells Fargo to make a payment. Wells Fargo had a message stating XXXXXXXXXXXX representatives can help me at this time. Yesterday at XXXX XXXX Wells Fargo credit line collections called and disconnected the phone as soon as they heard my name. Then Wells Fargo calls stating I am not answering. I have video recordings of the phone calls.
Product: Credit reporting or other personal consumer reports

My account with XXXX, BANK 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 USC Code 1681eb. 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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 1002 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 8
Product: Debt collection

This original creditor was XXXX, which I reported this account with fraud department and all debt was deleted and was told by sprint that this debt was not owed. the account was some how purchased to diversified ( collection agency ) I provided diversified with all information that XXXX provided me that the account was fraud and was deleted from my credit report, since diversified was unable to collect on a fraud account they sold this debt to SRM ( Source RM ). I have provided SRM with all information and they have yet to stop sending debt letters and have this fraudulent debt removed from my credit report, I have sent letters to cease all phones calls and ask that this account be removed from my credit report. I am now making a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : incorrect payment status XXXX XXXX XXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. 

Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. 

Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information
Product: Checking or savings account

I did not overdraft my account by my own means. They charged me a paper statement fee which made my account go into the negative and they continuously charged me overdraft fees I am very upset by this because I made sure I had enough in my account to complete my transaction. They did not list one of my transactions until two days later and this business I purchased from does not add additional fees later so there is no reason why the transaction shouldnt have been immediately available. They charged me all the way to XXXX from a XXXX dollar overdraft caused by their mistake. Nobody ever called they just sent me letters THAT I DIDNT SEE. They reported me to XXXX XXXX  without even contacting me which is very disturbing how I couldnt receive one single phone call to resolve this. I am a XXXX XXXX who was persuaded to open an account with this bank and I was NOT told information about paper fee statements etc. Im very upset how this was dragged out
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. ATTN : Dispute XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX  XXXX is listed as an employer. I have never worked for this company, I am therefore writing to request full validation of this employer as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation including copies of any documentation associated with this company which bear my signature. In the absence of such documentation, I request that this employer be permanently removed from my report ASAP.
Product: Bank account or service

My partners and I have a Wells Fargo business checking account that we mobile deposited {$3300.00} into on XXXX/XXXX/2016. The check was from a vendor who 's account is with XXXX here in XXXX. A few days later the funds were pulled out of the account and we were told that the check and been flagged for an inconsistency with the vendor 's signature. After inquiring with the vendor we learned that they never received the funds back from Wells Fargo and thus could not reissue the check. Following this we were also unable to locate the original physical check. Wells Fargo proceeded to open an internal inquiry into what happened and discovered that the check had been deposited somehow at a XXXX. No one within the business possesses an account at XXXX or presented the check at any location. This is the only information we have been able to get and Wells Fargo, XXXX, and XXXX all claim an inability to take any further action to help us recover our funds. Our local branch manager at Wells Fargo is highly unresponsive and what information/assistance we have been able to get has been limited. An individual was able to fraudulently deposit or cash in our check without matching ID or any real verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX, XXXX ), ( XXXX XXXXXXXX ), ( Great American Finance XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt. 

Numerous have not been factually documented. 

They have not been physically verified as true. 

They are not complete as reported. 

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX