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

I am writing to file a complaint against Truist Bank for failing to honor a {$400.00} checking account opening bonus for which I fulfilled all the promotional requirements. Despite meeting all conditions, my bonus was denied unfairly. 

The promotion required at least one direct deposit totaling {$500.00} or more and completing 15 debit card purchases within 90 days of account opening. 

I made direct deposits totaling {$7900.00} within 90 days, far exceeding the required {$500.00}. The promotional terms did not specify that each deposit needed to be {$500.00} or more. Additionally, I completed over 15 debit card transactions within the required period. 

Truist Bank denied the bonus, citing that each individual deposit was below {$500.00}. However, this requirement was not included in the promotional terms. My deposits cumulatively exceeded the required {$500.00} threshold. 

I respectfully request that Truist Bank honors its promotional offer and credits the {$400.00} bonus to my account. Additionally, I urge Truist to ensure its promotional terms are upheld consistently. 

I have attached the promotional terms, my account statements, and all relevant correspondence with Truist Bank for your review. 
Thank you for your attention to this matter. Please feel free to contact me by email for further details.
Product: Mortgage

I financed repairs to be done to bring my property up to standards through a XXXX loan and the contractor I chose and who was approved by the lender did not complete the work and did more damage than repairs. The lender was made aware of this XX/XX/2015. They were in control of my funds and released 1/2 of the funds to the contractor up front ; they allowed the contractor to exceed his contract due date. And, now they are saying I am in default, even though I have made all my mortgage payments. They are blaming me for the work being stopped for more than 30 days. 
In XXXX 2015, after allowing the contractor to exceed his 90 day contract, the the lender hired a HUD consultant. The HUD consultant stated that 85 % of the work was complete, regardless that it had not been completed in a workman like fashion and failed the final inspection. The lender since XX/XX/2015 insists on only allowing the remaining funds on the loan to cover a repair list provided by the same HUD consultant ; completely ignoring the bid of record which was given to the appraiser in XXXX 2015. 
They have refused to accept any other bids which now exceed the amount of funds left on the loan due to their allowing the contractor damage more than he repaired. They promised that " no matter what he does, we will get someone in there to finish, fix and repair. '' XX/XX/2015 the lender wanted me to allow the remaining loan funds be applied to the pr principle of the loan ; at the same time they were made aware that the new roof was now leaking into my brand new living room and the support beam etc. was not repaired. They have repeatedly threatened default taking their attorney 's fees out of the renovation funds as well. I have also spoken with the original appraiser and he stated not only did the ask for the appraisal and was given the report XXXX/XXXX/15, they then requested a completion inspection on XXXX/XXXX/15 ; the actual closing did not occur until XXXX/XXXX/15 and he sent correspondence asking if they were certain ; they insisted on an inspection ; he inspected and sent a report that none of the repairs had been completed. FHA and HUD have done a review at my asking ; at the time they were not aware of the appraisal issues ; but I have communicated my new findings to my contact in XXXX XXXX. The chief of HUD and the contacts at FHA have urged me to contact you and keep pursuing the issues through my attorney which is difficult because I am a single female and have limited funds ; the co-borrowers are my XXXX year old parents.
Product: Checking or savings account

My complaint is with TDBank in XXXX MD. I have tried to resolve this issue by telephone, in person and by a format letter all to no avail. TDBank is refusing to provide two chargebacks to my checking account. As of XXXXXXXX a company XXXX credited two chargeback payments of {$85.00} and {$35.00} respectively to TDBANK for my checking account. TD Bank will not accept this action from XXXX on their behalf because it was not in my account at TD Bank. I have submitted an Invoice emailed to my bank with the details of the accounting for the funds as being charged back to my checking account. However TD Bank is proclaiming that it was not paid because it is not in my account statement. In my letter to TD Bank I asked for an investigation of their claims. I dont have any thing to do with their banking processing of customer accounts and chargebacks. This the banks responsibility to handle this issue with XXXX. Please note that TD Bank took several weeks or more to investigate this matter I was disputing with XXXX regarding that I never received the XXXX XXXX XXXX that they were supposed to provide me with. I called them XXXX and told them that and they sounded like they were a fraud or scam. So I asked for my money back and they said they would not give it back. I then contacted my bank TD Bank and filed a dispute on my behalf. By them taking so long to resolve the dispute in my favor they became aware that I had stopped my direct deposit and was closing my bank accounts. This is when they informed me that they were not going to be able to charge back the money from XXXX. I knew immediately why because I was going to no longer be a customer. 

I went into the bank and showed the person at the desk the Invoice information regarding the payment that was charged back to TD Bank but she refused to accept it. I even called the XXXX billing and the customer representative spoke to their billing person and still she didnt care to respond or resolve my concern. This person had a nonchalant attitude and proceeded to help someone else. She had the attitude of being I was not a customer of TD Bank so she is not going to help me resolve this issue. I am a XXXX yo retired single person who has been with TD Bank since XXXX when they were named The XXXX XXXX XXXX XXXX XXXX MD. They have been charging me over {$12.00} a month service fees for a checking and savings account with .01 % interest. This bank is the most non customer friendly and of no financial gain options that are nonexistent for me or anyone else to continue banking with. 

I would like my money credited back to my checking account and the service fees that are still being charged to my accounts be removed so I can afford to close the open accounts. TD Bank will not allow these accounts to be closed until I pay {$130.00} which includes the {$85.00} total of the chargebacks and their unfair service fees by this bank. 

I appreciate CFPB for their help and support of consumers rights when it comes to unfair practices by banks and other financial institutions.
Product: Vehicle loan or lease

Volkswagen XXXX XXXX  XXXX I buy used car. 
Volkswagen XXXX XXXX XXXX is fraud to me sale this car over priced Plus this car use to lease mileage plus accident front and side. This car fix owner and Volkswagen run car XXXX XXXX XXXXt is not fully run and I buy this car XX/XX/year> and car accident. Generated XX/XX/year> still not reported buy Volkswagen This is completely fraud to me XXXX car XXXX XXXX and I pay loan XXXX I need to fix my problem or decreased my price as fair price because this car they sale as a accident car I need to fully cooperation I f not this case send to customer fraud against Volkswagen Iam trying first to resolve my matter seriously Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

This is the email that was sent from Venmo Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 
Hello XXXX, It looks like you've created more than one Venmo account. Currently, the accounts in your name are : XXXX {$5700.00} XXXX negative balance {$140.00} XXXX negative balance {$760.00} XXXX Please reply directly to this email chain if that is how you would like to proceed. We will need to use balance from XXXX in order to recover loss from other two accounts. Once the recover is completed you can exit funds from XXXX Let us know if you have any questions. 

Thank you, Team Venmo I replied and asked them to use my balance to pay the balance I owed on previous account and to close out my other account so I could transfer my balance as requested. Once they debited my account for the balance owed they didnt allow me transfer my balance and told me I had to wait XXXX  days for my money to become available. I have sent my license with my face for verification, Ive sent my bank statement and I followed every instruction and yet they have failed to keep their end of the agreement by letting me transfer my remaining balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 XXXXXXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation Number XXXX had the specific as folllow : Dispute Summary Type Name/Account Details Reason XXXX XXXX XXXX XXXX XXXX, SURPRISE This is not my address ; it belongs to a Address, AZ XXXX relative or another person with same/similar name. Confirmation number : XXXX Equifax broke FCRA act by adding to Mr. XXXX record that unthorized address as described above in that Equifax online dispute confirmation XXXX. Moreover Equifax deleted a longtime address of Mr. XXXX which is : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX va XXXX. Equifax falsified Mr. XXXX Record That It administers in violation of law. Other violations committed as Record will bring the allegations stated else where in details and Equifax with intentional recklessness refuses to clear the mess it caused in Mr. XXXX Equifax credit report and instead insisted to continue with intentional recklessness to cause more irreparable and imminent damages and losses to Mr. XXXX. Equifax you are going to be sued. End.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable  proof, you must remove the accounts listed below. XXXXXXXX  XXXX  XXXX****, XXXX  XXXX**, XXXX  
XXXX****, XXXX XXXX XXXX**** , XXXX  XXXX   XXXX****and XXXX  XXXX  XXXX****
Product: Debt collection

The firm of Pressler & Pressler has filed a levy with my bank for a debt they claim is mine. I have never received any notice of this debt or the lawsuit they apparently filed. I have received XXXX documentation. I first became aware of this debt when the levy was filed with my bank. Upon contacting Pressler & Pressler, I was told they contacted me at an address I have not lived at in many years. I was then told they have been trying to contact me at my current address for the past four years, however I have only lived at my current address a few months ago. They said they have sent many notices, but have no proof of service or anything with my signature indicating that I have received even a single letter from them. They have offered no proof that this debt is mine. Additionally, they were extremely rude when I contacted them and claimed that they have other debts they are trying to collect from me. Again, I have never been contacted by them, they offered no proof of the validity of these debts, nor any proof that they contacted me at any point in time.
Product: Credit reporting or other personal consumer reports

I was in a car accident on XX/XX/XXXX and my vehicle was totaled. I worked with insurance to pay the vehicle loan off. Under my insurance claim, XXXX checks were coordinated with the bank and then issued by XXXX on XX/XX/year> and sent to XXXX XXXX XXXX  for the total loan payoff amount to release the title. On XX/XX/XXXX and even exactly one day after my loan due date, I called in to customer service to check on the status of the loan payoff as my loan was not delinquent and I wanted to avoid negative credit reporting and fees. Per my discussion with a customer service representative, they informed me that there would be no issue with billing, and that I should not take any action on my loan or make any payment myself. 

However, I received a notice on XX/XX/XXXX that my loan was sent to collections, I received a {$35.00} fee, and a negative credit reporting result as they reported my loan account delinquent. The information provided by the customer service representative misled me. The outcome was unfair and deceptive. I paid the loan off in full later that same day on XX/XX/XXXX, inclusive of the {$35.00} fee. On that same day I also disputed the fee, and I disputed the negative credit reporting, on account that the actions taken by the bank in misleading and then punishing me caused me harm and could not be reasonably avoided by me, since I was following the direction of the bank representative. 

In answer of my dispute, I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX, that the information reported to the credit bureaus was accurate. First, I do not doubt the information is accurate and that was not the nature of the dispute. Second, I disagree with the bank 's decision to charge me a fee and to report the negative credit information anyway as the whole situation was unfair to me.
Product: Debt collection

I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. 
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. 
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
Product: Credit card or prepaid card

Walked from home to XXXX XXXX XXXX XXXX ; made purchase ; paid with credit card ; stopped by hand sanitizer after paying. Lost credit card at some time after paying and before actually arriving back at my home. Some hours later, i could not find the credit card ; searched premises ; checked online account transactions. By the time I checked, four unauthorized charges, previously listed, were made. Online, I reported the unauthorized charges ; locked credit card. At XXXX XXXX. there was an attempt to charge {$83.00} at XXXX XXXX XXXX XXXX. The purchase was declined because of thelocked credit card. 

I was able to report the loss and fraudulent charges to a live representative ( XXXX in XXXX ) of Capital One VISA at approximately XXXX XXXX., XXXX XX/XX/2020. A police report was filed. 

Capital One credited my account, but charged them to me again on my XXXX statement. My Confirmation Code XXXX is for wrongful charges reappearing ( XXXX was Fraud Manager taking complaint. ) The charges were again deleted and recharged on XXXX XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX, a plus-reward member of Moneygram for over 10 years. On XX/XX/2023 at around XXXX XXXX  EST, I sent in the amount of {$900.00} mobile wallet transfer from XXXX, MD XXXX, to XXXX XXXX XXXX in XXXX XXXX via Moneygram . 

After, a few hours the recipient ( XXXX XXXX ) informed me that he hadn't received the funds in his account. I quickly logged into my Moneygram account to see what went wrong. However, in my account on the MoneyGram website, it showed that the transaction was completed. But XXXX insisted on numerous occasions that no money has been deposited into his mobile account. 

So, I took a screenshot and sent it to him, and he should check with the receiving mobile wallet carrier and let me know. XXXX XXXX follow-up with the mobile wallet carrier and reported to me days after that he had still not received the money in his account. I then called Moneygram and made an official complaint that the recipient ( XXXX XXXX ) has not received the money and I want a refund. 

Moneygram stated they are investigating the issue, Case number : XXXX which could take up to 90 days. XXXX XXXX later, I received an email stating that " MoneyGram has completed the review of your case which relates to a potential error or problem with your money transfer transaction reference number : XXXX, and After conducting our investigation, we have determined that an '' error '' may have in fact occurred with your transaction. As such, you are entitled to a refund in the amount of XXXX ( USD ) ". 

This did not sit well with me, so, I called them right away and demanded that I need all the amount of {$900.00} plus the fee of {$8.00} I sent. Because I couldn't believe why they are only refunding me their service fee and not the original amount I sent. Moneygram then said I have to wait for another 90 days. I waited for a few days and called them again to find out the status of my refund. They kept on giving me the round-around till today and I have still not received my refund. I think this is defrauding an innocent loyal client like me who is trying to support his extended family in XXXX. The thing is that I filed this same complaint with the FTC back in XX/XX/2023, but nothing has happened about the refund I requested. I have attached 4 documents of my correspondence with Moneygram and a report filed with FTC for review. Thank you
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Vehicle loan or lease

I purchase a car I was told by XXXX  too out XXXX $ down and was lied too because it never was tooken from the purchase of vehicle which made them off
Product: Debt collection

XX/XX/year> LVNV Funding LLC {$620.00} LVNV FUNDING LLC THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Credit card or prepaid card

I have tried multiple times to use my XXXX XXXX credit card to purchase items and the company says they are having trouble with the IT department. This has been going on for over two weeks and Im still being charged for interest on a card I can not use. I can not make purchases over the phone or online. Ive made multiple attmepts to call them and they have not offered any solution.
Product: Credit card or prepaid card

I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. 

I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.
Product: Credit card or prepaid card

I opened an american express blue business plus credit card in XXXXXXXX XXXX XXXX In XXXXXXXX XXXX XXXX the minimum statement balance due was returned from my business checking account auto-draft for insufficient funds. I paid the minimum payment due manually using a different checking account before the statement due date. 
Due to the returned insufficient funds payment, Amex cancelled my introductory 0 % XXXX and began charging me interest on balances at 26 % XXXX, even though I had paid all minimum payments due on schedule, before the due date. 
on XX/XX/XXXX I called amex to dispute the interest charged, and was told someone would get back to me after an account review. 
No one got back to me, and my most recent statement includes additional interest charged.