23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX I applied and was approved for a Navy Federal XXXX XXXX card with a limit of XXXX. I also was informed of a promotional offer of XXXX bonus points if I spent XXXX or more within 90 days of my account opening. I followed all instructions. I was followed up on several occasions to XXXX XXXX via Telephone conversation at the Credit Card Contact center as well as via the XXXX XXXX XXXX in XXXX, CA. I was assured on many avenues that the points would be posted to my account and that I just needed to allow 6-8 weeks after the 90-day period from account opening. As of today, I still have not received those bonus points on my account. I spoke with a Navy Federal Representative on XX/XX/XXXX who stated he would be opening a case for me to have those bonus points credited to my account. That representative never created a case for follow up. On XX/XX/XXXX I was advised I was not eligible for the bonus offer. I spoke to many people including XXXX a supervisor and was told that they would not do any additional research on my request except as for the department to make an exception for points which would probably be declined. I asked XXXX if she reviewed all my phone calls from the start of my calls to Navy Federal ( First call being on XX/XX/XXXX. She stated she reviewed the last five calls and unless I gave her a specific date she would not spend any more time ) As a valued member of Navy Federal Credit Union I'm very disappointed in her lack of support for resolution. I know that I was told on several occasions and assured that I was getting these points. I was also led along. Never once in my interaction until today XX/XX/XXXX was I told I was not going to be eligible for those points. 

I'm also disappointed that a manager level employee at the Bank would not be willing to do the right thing and research my calls back to 1XX/XX/XXXX to find the conversations that I was lead on by the bank. I felt as her lack of understanding, making comments that she has done enough research and spent enough time that she was ultimately calling me a liar, and presuming that I had a false claim about being misled about these points. 

Here are the following dates I had conversations with Navy Federal.  This data is coming directly from my carrier. I'm still working on getting call Data from XX/XX/XXXX to present to cite in my complaint. This will be available in the next couple days per my Cell Phone carrier. 

XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX {$0.00}
Product: Prepaid card

I have Amex Serve and I 've noticed that as of yesterday at XXXX my card went from a positive balance to a negative balance with double transactions. I can not call customer service bc it says they are using technical issues and to call back later.
Product: Credit card or prepaid card

Hello I closed a fee-based credit card with Citibank in XXXX as I was not happy with the quality of their service. I was paying a substantial annual fee for their Prestige Card and did not find value in it. I closed my card on XX/XX/XXXX and was told a prorated refund will be sent back. I have not received anything. I have called and chatted with them in the past and was told that the refund willl be processed shortly. I called again today ( XX/XX/XXXX ) and spoke to an agent who said that they have no records - which does not make any sense. Citibank can not simple decide to keep my money - thats just not now it works. Their complete disregard for consumers is the reason I closed my card in the first place. I should have expected nothing less from them. God forbid a consumer misses a payment - but is Citibank is allowed to do whatever they want? 

I would appreciate your intervention to restore consumer confidence in the ability of government oversight to keep things somewhat fair. These types of run around tactics should not be allowed. It is a complete waste or my time and your time. 

With appreciation for your work! 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. XXXX  still has it listed and I want this removed.
Product: Bank account or service

This is an issue concerning an international wire transfer. I had recently opened a basic checking and savings account with Bank of America. At that point, they had proceeded to give me a form titled " To Receive a Wire Transfer '', amongst other forms, in an official welcome packet. The teller then filled out the form, in regards to information such as " Beneficiary Account # ''. 

I then gave said details to my father, in order for him to fulfill an international wire transfer, so I could receive funds to pay for my school tuition. The number written on the form, in my opinion, was written down differently as to what the actual account number was. This lead to my father 's international wire transfer being rejected. 

My father had originally sent an amount of XXXX XXXX, which had converted to XXXX US Dollars, at an exchange rate of XXXX ( XXXX to US Dollars ). However, when the money was returned, only an amount of XXXX XXXX, after an exchange of XXXX US Dollars at an exchange rate of XXXX was applied, was returned to my father, which has led to a substantial financial loss of XXXX XXXX. 

After hearing about this, I immediately proceeded to go to the Bank of America branch, located on XXXX XXXX XXXX. After explaining my situation, I was told to wait for a long period of time for the manager to see me, repeatedly being told to come back at later times because she was not present. After finally being able to see her, I was abruptly dismissed from discussing the matter by her saying that that document was not an " official '' document and that it was simply a courtesy to me, as well as her telling me that Bank of America would not accept any liability for this. The meeting may have lasted for XXXX minutes or under. At this point, I ask you, how am I, as an unknowing customer, supposed to distinguish between what an official document is and what is not an official document when there is no clear labeling on any of the documents and does this warrant me losing XXXX XXXX, for a matter that I do not feel is my fault? 

After this incident, I explained to my father what had happened and he proceeded to go get his own explanation from his bank manager, XXXX XXXX, at XXXX, XXXX branch. He then told me that in order for an international wire transfer to be submitted it requires both a valid beneficiary name and beneficiary account number, which as you by now know was not present. If those aforementioned details are not available, the transfer amount is simply rejected and returned with no charges or internal exchange rates applied, except that of the administrative charges associated with international wire transfer, which in this case should be XXXX US Dollars. At this point, I have proceeded to approach you, the Consumer Financial Protection Bureau, to help me in resolving this case. Thank you.
Product: Money transfer, virtual currency, or money service

I recently sold several items on  XXXX   XXXX  and through my personal Pay Pal account that was already set up for years with Pay Pal ...  XXXX   XXXX  sent my money through Pay Pal to be deposited into my credit union account i.e.  XXXX   XXXX   XXXX . I was not informed by either  XXXX   XXXX  or Pay Pal that my money would be held for months by Pay Pal before it would be deposited into my  XXXX   XXXX   XXXX  account.  <P/> Essentially Pay Pal decided without informing me that they would " disperse '' the monies owed to me " whenever they felt I was qualified to receive them ''. Surprising to me since I have had several Pay Pal accounts active for many years including credit/loan accounts. Pay Pal essentially knows me very well, thus there is no reason to " hold '' my money for my " protection ''.  <P/> I believe this is a classic example of Pay Pal not disclosing " clearly or at all '' to consumers that they will hold one 's money after they sell an advertised item on  XXXX   XXXX .  XXXX   XXXX  supports this collusion since they only use Pay Pal a company they have a close business relationship to " disperse '' funds owed to consumers.
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion of Illegally Sold Information Due to Equifax Data Breach I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach.

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated.

I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Product: Debt collection

I reviewed my credit reports from XXXX, XXXX and XXXX and i noticed that they are reporting a negative collection on my credit reports by XXXX XXXX XXXX account XXXX for amount {$1000.00}, upon further research i found that this company is not even licensed to collect in my state, but yet they are attempting to collect and furthermore doing more harm to me by placing this information on my credit reports which has caused me harm.
Product: Mortgage

ONXX/XX/XXXX I was scrolling through XXXX and the ad they were running very largely displayed a very low interest rate for a refinance without any specifications as what type of loan the rate is for, the term, discount points paid etc.
Product: Debt collection

I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted XXXX and they told me they can do nothing. I contacted the attorney that is handling this Emerson Law XXXX XXXX XXXX, XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!
Product: Credit card

Citi XXXX by XXXX has rejected a dispute request for a charge on services not rendered ( wedding flower preservation ). I was charged {$530.00}, by ( XXXX ), in XXXX of XXXX. Due to XXXX, wedding was postponed until XX/XX/XXXX. XXXX promised to preserve my wedding flowers in a resin cast but I never received the product. In XX/XX/XXXX, I was told that I should reach out to my creditor since XXXX would be closing their doors and no longer offering refunds to consumers. I supplied my creditor with ample evidence of the charges and services unrendered. In the first communication from Citi, I was told that I didnt supply adequate information with my claim. Therefore, I resubmitted a new claim with the missing statement and a printout that another Citi consumer had received a chargeback ( for an XXXX purchase ) even though the 60 days from billing for a refund had also passed for them. I dont understand how a creditor can get away with giving credit back to only some consumers but not all who find themselves in the same predicament. This seems to be an unfair credit practice and should be regulated to better protect the consumer. I have lost faith in the creditor and would consider leaving the company if I had the option to keep my XXXX membership with an alternate creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made more 3 types with XXXX, XXXX, and Trans Union to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX
Product: Student loan

I have been attempting to work with Navient to reach a student loan payment amount that is within my budget. From XX/XX/XXXX- XX/XX/XXXX I participated in an interest only payment plan that allowed me to make my monthly payments on time. In XX/XX/XXXX they raised the payment. I completed a financial statement ( provided by Navient ) highlighting my current budget and how I could not afford the new payment amount. I was told that my budget did not matter. I have tried to work with them to come up with a payment amount that I can afford and they will not work with me. I want to pay my loan but they are not offering flexible options to assist me so I am now close to default. They also call myself and my co-signer multiple times a day every day at all hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/31 Equifax closed their investigation into my credit report. This did nothing. My credit score shows XXXX. Ive had a credit card for over 10 years, a car loan, utility payments, rent payments, etc. Equifax has refused to fix this problem for the past 4 months. XXXX and XXXX show my credit score is over XXXX, yet Equifax shows my credit is nonexistent.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

There are accounts in my report that i don't recognize.Kindly remove these fraudulent accounts as they are hurting my profile. 

XXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of the wrong persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX pulled my credit file without my authorization, signed documentation nor verbal consent. This organization/creditor non consensually accessed my credit file resulting in an inquiry which is not linked to any account. This a violation of the fair credit reporting act 15 U.S. Code 1681b - XXXX XXXXl lacks any permissible purpose and I demand that this unauthorized inquiry be removed from my credit file IMMEDIATELY. 

XXXX XXXX responded to this by stating : After our review, we found that the best agency to help you with your issue is XXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at or call
Product: Credit card

I have been charged late fees the last XXXX months. These late fees total almost {$200.00}. 

I have taken every precaution I can to prevent these people from charging me late fees. I have mailed in my payments as well as a tivated auto pay, but they continue to charge me late fees and refuse to remove them even though my payment was mailed in time. I also have auto pay turned on.
Product: Debt collection

To describe what happened I will state that I have been in contact with " TSC Accounts Receivables Solutions '' since the XXXX or beginning of XXXX quarter of XXXX. The amount of the debt is incorrect by the amount of {$260.00}. Our communications have been very upfront from my conveyances. Upon contacting them this past Wednesday I recorded the following information. This was in attempts to close the account in my name to transfer to the promised payee - my biological mother XXXX XXXX XXXX. The companies representatives would not oblige and failed to offer me the best genuine care. I do have proof the debt does not belong to me per a government agency in my local area and because of this I rightfully claim to be discriminated against and defamed as an XXXX & XXXX with the XXXX XXXX of which this country does not take lightly. Please know the medical provider is also at fault for malpractice being not solely but in addition me receiving permanent damage to my brand, body, and career in attempts to receive a more clear and desirable aesthetic required for my work. 
XXXX XXXXEST XXXX XXXX stated that I would need to speak to his manager regarding successfully completing my request and to wait for a callback from XXXX XXXX XXXXXXXXEST XXXX XXXX I never received a callback so I followed up and was informed that he does not perceive the situation to not be my responsibility and they will not accept the police reporting to remove ownership of my account XXXX. Then asked if I still wanted to speak to a manage even though I never had requested that. 
XXXX States that it would be my responsibility on the basis that I was the patient even though there was a legal agreement that I would not be responsible for paying for the services from XXXX  XXXX XXXX XXXXXXXX. Would not accept police report and did not have any genuine care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Checking or savings account

There were unauthorized deposits that were made to XXXX XXXX XXXX On XX/XX/XXXX, I received an email fromXX/XX/XXXX stating that my existing account has been signed into by a foreign address. On XX/XX/XXXX {$800.00}, {$300.00}, and {$20.00} were made. Another {$1400.00} and {$100.00} deposit from my checking account was made on XX/XX/XXXX. None of these deposits from my checking account were approved by me. I believe my existing XX/XX/XXXX account has been hacked. I made two fraud dispute claims to my bank, Navy Federal Credit Union, and they rejected both of them. I dispute the deposites with XXXX XXXX directly and this was also rejected.
Product: Credit reporting or other personal consumer reports

ive made a few disputes on this matter via mail attached i will provide all documents sent copies and tracking number to prove that ive tried to get a remedy from this company. 

i am a victim of trafficking. i have provided every document required by law for the information requesed to be blocked within 4 days. the company is not responding to my request. the next course of action will be to sue in the court of law i've tried to do my due dilligence resolving this matter.
Product: Checking or savings account

Back in early XX/XX/XXXXI opened a CitiBank Savings/Checking account package. It came with a {$400.00} bonus if I deposited {$15000.00} into either account within 30 days of opening. I made the {$15000.00} deposit to the Savings account on XX/XX/2019. I then maintained that balance for over 60 days which was the next requirement. These were the only requirements that were advertised. But hidden in the fine print was that it may take up to 90 days to be assessed the bonus after the 60 day requirement period. And that after 90 total days if any account has a XXXX  balance then Citibank may close that account. Closing the account then voids the bonus because both accounts need to remain open even after the original 60 days until they finally credit you that bonus.

Bottom line is that this an incredibly dishonest way to do business. They tell you that it's fine to fund only one of the accounts with the entire required deposit. But it turns out that in the fine print if one of the accounts has a XXXX  balance after 90 days they'll just close that account and void your bonus that you're waiting on. In reality I completed all the required activities but they have it setup to trick customers to hold funds with them for a few months and then refuse to pay the bonus on a hidden technicality.