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

On XX/XX/2021, I opened a new Citi XXXX Checking account over the phone with Citibank phone banker ( his name is XXXX ). When this account was opened, a promotional offer was applied and the offer code is XXXX. Based on this offer, if I deposit {$50000.00} new money into my Citi XXXX checking account within 30 days and also maintain this balance for 60 days, I will receive {$700.00} bonus in my Citi checking account. 

On XX/XX/2021, I already deposited {$50000.00} new money into my Citi XXXX checking account. This {$50000.00} balance has been maintained in my Citi checking account since then for more than even 90 days. However, so far I still have NOT received the {$700.00} bonus yet. 

I reported this issue to Citi XXXX XXXX XXXX. However, their representative assigned to my case made an unacceptable mistake. The offer terms & conditions say that the eligible customer must not have been an owner or signer of a Citibank consumer checking account within the last 180 calendar days. My only pre-existing account with Citibank is a Citibank XXXX XXXX account, which is NOT a checking account at all. However, Citi representative made such intolerable mistake by viewing my pre-existing Savings account as a pre-existing Checking account in order to remove my offer eligibility. 

This mistake is unethical and totally unacceptable. I request Citibank to immediately correct their own error and mistake regarding my offer eligibility and immediately post the {$700.00} qualified bonus to my Citi XXXX Checking account right away without any further delay.
Product: Vehicle loan or lease

On XX/XX/XXXX, went to XXXX XXXX XXXX XXXX I was in need of a car and I was asked for my driver 's license plus my SSN. The car that I choose was a XXXX XXXX XXXX with XXXX miles. After my information was input into their system I was asked to pay a down payment of XXXX XXXX XXXX their finance department completed a credit application. I left the lot thinking that everything would be good my payment where XXXX monthly with self-employment I was able to pay. XXXX months in I found myself not able to work like before due to the XXXX XXXX out brake and the high number of people that contracted the virus. I informed Ally of this issue and that my payment would need to be postponed for a little bit. My aunt paid the bill that was passed due also the current payment which was XXXX then I paid XXXX XX/XX/XXXX. This debt is an alleged issue as followed I was not supposed to give any type of cash when I first got the car. 
FCDA 1602 ( J ) - " Open-end Credit Plan " are the subject of the transaction are primarily for personal, family.

1605- in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, PAYABLE directly or indirectly by the to whom the credit is extended.

15 USC 1691 ( d ) 6- Harassment of physical person, reputation, or property of any person 1602- In case the case of an open-end credit plan involving a credit card, the credit card ISSUER and any person who honors the credit card and offers a discount which is a finance charge is CREDITORS.

15 USC 168-Consume reporting agency shall promptly provide to the person who provided the information in dispute all relevant information.
Product: Mortgage

An application to assume a VA loan was submitted by my client on XX/XX/12 to a loan officer XXXX XXXX XXXX XXXX this loan officer never dsclosed a loan estimate or did was required to get the application in process.The departmentn Manager XXXX XXXX said they had recieved the application but in 10 days there has been no disclosures or activity.

MrCooperNationstar hasc a policy of not allowing buyers to apply for an assumption of a va or fha loan with their loan officers.They have an illegal policy of having any potential assumptor borrower be vetted first by making them email the assumption loan group, to have an information package ( not a credit application ) sent by mail, before they will assign it to an assumption loan officer.They advise a 4-6 month time to complete after the informnation package is received back by regular mail. 
None of this is necessary and is prohibited by FHA and VA regulations, they are vioilating Fair Lending, tila, respa and trid.They have no reason or right to not take a credit application on a transaction that only they can approve.
Product: Money transfer, virtual currency, or money service

I would like to express my concern regarding how the bank handle my complaint with a Zelle dispute. My financial institution failed to investigate my claims despite using Zelle multiple times and reporting discrepancies. Numerous times the funds didn't arrive on time. Also, my institution expressed that tracking funds was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for almost a year. I continue to ask for proof to validate the account but have not received it. Taking a look at the account on my credit it is showing my last payment as XX/XX/2019, however my two year payment history shows the account being Charged off in XX/XX/XXXX ', XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. The account also shows I was 60 days late in XXXX as well as 60 days late in XXXX, how is this possible? This is clearly a violation of my rights according to the FRCA and I demand this be investigated immediately and provide me written proof of each violation currently showing on my credit. I have attached a copy
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ; I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

I have been trying to get a modifaction and been turn down about four time I have Reach out to keep, your home califorina, and was told that I was approve with them and my lender Wells Fargo choose to opt Out But there goal should have been to take the rears On What was owe they so they I could have been making my payments back on the loan that happen in 2015 and I have done all I can do to deep my home I have A total of seven Members in my household and my credit is ruin and Wont be able to Rent anywhere with those Scores I have Enough Imcome to support My Mortage I lost XXXX XXXX Right after I purchase To House But restore The imcome in less then six months Please Reach out To Me with Some Help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear TransUnion : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Checking or savings account

I had been a XXXX XXXX XXXX  client for 15 to 20 years. I received a notification that XXXX XXXX would sell their bank to US Bank. I took a look through the documentation and nothing jumped out at me. I realized I would lose some of the benefits XXXX XXXX provided but I knew those were unusually generous ( for example, they paid back any third party ATM fees ) and that was fine. 

On Friday, XX/XX/XXXX, I tried to withdraw my money from my account and was told I had " exceeded my daily limit ''. My limit has been {$500.00} for quite a while. I tried less and still received the same message. I then tried calling XXXX XXXX, was told there were issues with the merger and someone would investigate and call me back. I never heard from anyone. 

The next day, XX/XX/XXXX, I am still getting " you have exceeded your limit '' even though I hadn't taken out a dime since Thursday. Now I call am told that US Bank will not allow any XXXX XXXX customer to take cash out of an ATM until the XXXX or XXXX. if there was any notice given of this, it was not obvious as it should have been if customers were going to be denied access to their money over a holiday weekend. I was forced to take a cash advance against a credit card, something I never do. 

On XX/XX/XXXX, I am finally able to withdraw cash but I am limited to {$300.00}. I call US Bank and they say they will not raise anyone 's limit unless they've had a card for two months and an account for a year. I have had this same account and card for decades but because this is a merger, it resets their close. This is completely unacceptable and should have been clearly and obviously disclosed to clients so that they can properly prepare ahead of US Bank 's lockdown.
Product: Credit reporting

In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Debt collection

Not trying to still collect but debt was paid in full XXXX to Ryan E Calef Law Firm and 2 months later they still have not notified the court. Called Court month after paid off and they said nothing was filed. Court told me to get Warrant of Satisfaction from Calef so I sent certified letter with self-addressed stamped letter requesting Warrant of Satisfaction. Nothing was ever sent to me. Called Court right before starting this complaint and they verified nothing has been submitted to the court at this point and judgment is still listed as active. 
XXXX COUNTY SPECIAL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Reference Number XXXX
Product: Checking or savings account

I was over charged, {$99.00} at least five times. A reversal was supposed to happen my bank say the money already went back into my account. however they have no proof and I never seen the money back.
Product: Credit reporting or other personal consumer reports

Springoakcap claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is the only bureau reporting on this account ; XXXX and XXXX are missing. 

They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as Springoakcap
Product: Debt collection

I have paid the debt a while ago. Debt is reported on my credit reports and is inaccurate
Product: Student loan

My grace period was up and there was not sufficient communication to start paying. I now have a 30-59 day late on my credit report which I would like removed and the late fees assessed.
Product: Prepaid card

I have a gift card for {$100.00}. I tried accessing the balance through their website and via phone. The website and automated phone do not recognize the card # and there is no option to speak with anyone directly. The expiration date is XX/XX/21 but my understanding in CA is that they can not expire.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the persistent issues I have encountered regarding the late opening of my account and a charge off account with Credit Bureaus. Despite multiple attempts to rectify the situation, I have been met with ongoing challenges, and I am deeply dissatisfied with the level of service I have received. 

I initiated the process of opening an account with your company, and it has come to my attention that the account opening was significantly delayed. This delay has caused inconvenience and frustration, as I rely on timely access to the services provided by your company. 

I have made several attempts to address this matter by contacting your customer service department, but unfortunately, the issue remains unresolved. The lack of responsiveness and failure to provide a satisfactory resolution have only added to my dissatisfaction. 

I understand that errors can occur, and I am willing to cooperate in resolving this matter promptly. However, the repeated unsuccessful attempts to rectify the situation have led me to escalate this matter formally. 

I kindly request the following actions be taken to address this issue : A thorough investigation into the reasons behind the delay in opening my account and the several appearance of charge off account. 
A clear and concise explanation of the steps being taken to rectify the situation. 
Timely and effective communication throughout the resolution process. 
I expect a resolution to this matter within the specified timeframe from the date of receipt of this letter. If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including filing a complaint with relevant regulatory authorities. 

I believe in your commitment to providing excellent service, and I trust that you will take this matter seriously. I appreciate your prompt attention to this issue and look forward to a swift resolution. I am asking for your assistance to correct these late open account and remove the charge off account in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

I found out I was a victim of identity theft back in 2012, because I was going to rent an apartment for the first time, the apartment complex told me that I needed to pay more because I left an apartment in Texas. I did my research and the person who stole my identity was a friend who I used to have. He has been traveling from state to state. He also got some info from my wife. I tried to fix this with the social security department but they told me everything was gon na be ok and no farther changes needed to be done. I still went ahead and filed a police report back in 2012. Back then the issue was only the apartment, later on He got the cap one auto loan under my name and my wifes. I have been trying to fix this issue since I found out about it, but the company not willing to work with me, they only want the money and they dont care what my situation is.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX regarding an unauthorized and inaccurate credit inquiry made on my XXXX credit report, dated XX/XX/year>. I did not authorize this inquiry, and I believe it is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to XXXX XXXX XXXX, requesting they provide proof that this inquiry complies with federal law, specifically the permissible purpose provision outlined in the FCRA. A company must have proper authorization and a permissible purpose to conduct a credit inquiry. 
In response to my dispute, XXXX XXXX XXXX sent a notice of consumer consent. However, the document provided did not bear my wet signature. Instead, it was electronically signed and bore the name " XXXX XXXX, '' which is not me. This erroneous and inaccurate documentation clearly demonstrates that the inquiry was unauthorized and violates my consumer rights. 
The submission of a document with another individuals name and signature as evidence of my consent is unacceptable and further highlights the lack of proper procedures and oversight by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquries listed below are fraudulent and as a result of identity theft. I have filled an identity theft report regarding these credit inquiries that I personally never initiated or approved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX EXPERIAN 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 XXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reviewed my credit report and there is incorrect information listed. I have no knowledge of these accounts.
Product: Checking or savings account

Hello. I wan na complain about chase bank. Since XX/XX/2023 I kept receiving several coupon from Chase bank. That said if I open checking account with direct deposited in 90 days you can get {$300.00}, if you open a savings account deposit {$15000.00} new money in 30 days and keep it in account 90 days you can get {$200.00}, if you open both you can get extra {$400.00} total you can get {$900.00}. So I brought one of the coupon to the Chase Bank on XX/XX/2023. I banker lady helped me to opened checking and saving account at the same time. I put the coupon on her table and I was sure she knew I came for that. Then I deposited {$30000.00} on that day. Then I did direct deposit and I thought I just wait that would be fine. After two months I did not receive any bonus in my account. So today I went to Chase to check it out. One banker told me there was none coupon in my system. The banker lady who opened the account for me didnt put any coupon code in my account. He said if I can bring back the coupon which one I brought then he can put in system again. That was so ridiculous. Its two months already. I cant find that coupon. He just said sorry he cant do anything for me. That was not my fault. I did everything Chase Bank requested. It so wasted time and wasted my money. That was so bad experience and really bad customer service. So I wan na complain Chase Bank and I wan na get my {$900.00} back. Thanks a lot.
Product: Credit card or prepaid card

I submitted a complaint against CHASE-AMAZON VISA card on XXXX ( Friday ) very close to XXXX which is CFPB Closing time. Since I was in a great hurry, and due to technical difficulties, I did not sent you enough attachments successfully. I can only write at athe end of " WHAT HAPPENED '' that I may send you more attachments on XX/XX/XXXX ( Saturday ) or XX/XX/XXXX ( Monday ). 

On XX/XX/XXXX and XX/XX/XXXX, I did tried a couple of times. But I realized most of the attachments as evidence were from Chase. I used to be able to take pictures, and then I could attach those pictures as attachments on your website. But nowadays, due to security reasons, if you are not another owner of my account, even you got the URL that I organized. you may still not have access to my account to receive Chase 's documents or letters, or open the URL that I organized for you. If that's the case, all I can do is to explain each attachment with a little more details ( Please see " XXXX XXXX XXXX XXXX  '' ).