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

I am writing to file a complaint regarding an unfulfilled savings bonus offer from PenFed Credit Union. 

In XX/XX/XXXX, I signed up for a new savings account with XXXX, motivated by their advertised savings bonus. The terms of the offer, as I understood them, were as follows : A savings bonus of up to {$750.00} would be awarded. 
To qualify, deposits must be made by XX/XX/XXXX, and the account balance must be maintained from XX/XX/XXXX, to XX/XX/XXXX. 
A bonus of {$150.00} would be awarded for every {$10000.00} deposited. 

I opened the account on XX/XX/XXXX, and deposited {$50000.00} by XX/XX/XXXX, exceeding the minimum deposit to qualify for the maximum bonus of {$750.00}. I maintained this balance throughout the required period, until XX/XX/XXXX. ( Last XXXX digit of account XXXX ) Despite fulfilling all the requirements of the offer, I have not received the promised {$750.00} bonus. I have contacted XXXX customer service on multiple occasions to inquire about the missing bonus, but they have not been able to provide a resolution or explain the reason for the delay. 

I am requesting that PenFed Credit Union honor their advertised offer and credit the {$750.00} bonus to my account as soon as possible.
Product: Credit card

I have a care credit card that I was making payments on and only had about 3 payments left to pay off the balance of around {$1500.00}. I checked the website one day ( to be safe and monitor my financials ) and found they were going to charge me {$660.00} in interest on that balance ( because the promotional period ended ) which is ridiculous so I called them and they told me the APR is 30 % ( not an exact amount ) who would be around $ XXXX in interest NOT {$660.00}. They did resolve the matter by refunding the interest charge but I wanted to bring this to light in case they're doing this to other people. This has got to be illegal isn't it?
Product: Payday loan, title loan, or personal loan

This company mailed what they called a " live check '', made payable to me, to my address without my request but as a loan offer. Someone else received the check, cashed it ( without my identification ) and received the proceeds. I have never heard of this company or utilized their services, however, they sent a " live check '' to my home and have placed this account on my credit report without any proof that I am the borrower. They did not verify my identity nor did I sign loan documents. When I reached out to the company to understand how they are able to report a delinquent account on my credit report, without having verified that I borrowed the money, I was told that this is how they do business and that the only way to have the matter resolved, was to file a fraud dispute, directly with their company. I went directly to their XXXX office and after the made a copy of my drivers ' license, they gave me a copy of the check and wanted me to complete the " fraud '' paperwork, onsite. I am not comfortable sharing ANY of my personal information with this company. There are Customer Identification Program laws and FCRA credit reporting laws that have been clearly violated by not verifying that I am the borrower, prior to extending a loan and publishing a delinquent account on my credit report. Additionally, this has negatively impacted my credit and the lender refuses to remove it without me giving them additional information including my repeated signature, checking account information and additional identity information. I don't trust this company with additional information about me, it's dangerous what they've already done with just my address. This is a violation of my rights.
Product: Money transfer, virtual currency, or money service

Sender entered information and submitted payment for immediate international money transfer. When recipient went to retrieve money, recipient was told that the account associated with the reference number was blocked. Sender then received notification that transfer was of 5 to 7 business days and not the immediate transfer. Since then, Sender has been unable to contact Western Union to cancel the transaction. IP addresses of laptop and cell phone are also tracked and blocked from certain features of the website and reference number is tracked to receive limited information over the phone when calling customer service. Reference number is routed in circles through automated recording even though availability of live person is addressed. Final prompts skip the option to speak to a live person when deemed appropriate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I purchased a go kart for my son in XXXX of 2016 for {$980.00} using my Chase Visa/debit card. When I received the product in pieces in a box, there were several tears in the roll bars and the seat, the headlights and gear lights were n't working, the go kart would only turn to one direction, there were missing bolts, and the exhaust pipe has fallen off. I tried contacting the company, XXXX XXXX XXXX, dozens and dozens of times via email and phone and would only get the run around or hung up on. I contacted Chase and they issued the refund and started doing an investigation. I received a letter from them last week that they found the charge to be valid and they would be pulling that {$980.00} back out of my account. When I called them to ask how they thought it was valid, they stated that XXXX XXXX XXXX had given them a document that I supposedly signed stating that everything was in good working order. I told them I had never signed anything and I asked for a copy of what the company sent to them in order to prove that the charge was legitimate. They told me I could go to a branch in order to get the documentation quicker, which I did. The bank manager and I sat down as he attempted to get the documents. While on hold, he was doing some research on the company and noticed that hundreds of others had the same issues with this company and he said that it 's clearly a fraudulent company. Once we received the documents, we looked at the signature that was just a bunch of swirls and then he pulled up my signature in their database and could immediately tell that the signature was not mine, but was forged. I later called the claims department and they said there was n't anything they could do because even if it was forged, they provided something to them and that 's enough to validate a charge. I called back a couple of days later and thankfully someone in the claims department took some more time into looking into this case and he stated that it clearly was forged and they should have caught that it was n't my signature since they hinged their whole decision on it and he urged me to file a complaint with CFPB.
Product: Mortgage

There was a tradeline on a 2011 XXXX credit Report from " GMAC XXXX '' I never had a mortgage with GMAC. 
I called a number for what I thought was GMAC and was told it was Ocwen and that they had just bought out GMAC. 
The person I spoke to asked me if I had a mortgage go into foreclosure. 
I told them I had not, but there was possibly a mortgage in foreclosure on a relative 's house who had died, but the loan was not in my name. 
He claimed to have nothing under my name, SS number or that of my relative 's. 
He could not explain why MY credit was pulled then. 
He suggested I send a copy of my credit report with the inquiry on it. 
The address I was given is similar to another address for a XXXX account that was an another of my credit reports, also not mine. 
I never sent it because something just did not sit right with me over this situation. 
I called another day and was told it had something to do with a checking account-not clear what it was. 
I have on my notes " XXXX XXXX '' and " XXXX XXXX '' but not sure who they are-reps maybe? 
Was also told to call XXXX XXXX-they were of no help either. 
The address on the inquiry is GMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA I put down GMAC as the property address because I do not know the property address.
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its relatedness to any of my transactions. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX, I went to a local WELLS FARGO bank to upgrade my checking account to Premier checking account. 
Account was upgraded and a promo was applied ( code : XXXX ). I was provided the paperwork with promo code validation. 

Since then, I have fulfilled the requirements with bringing in more than XXXX XXXXXXXX but have not received the {$2500.00} as promised. 

I called on XX/XX/25 XXXX to the XXXX account line and inquired about this. And was told that everything fulfilled but it was denied due to duplicate campaign. But she couldn't provide me with the detail of what is duplicate after me and her verified there's no other duplicate codes for this promo. I was told the she will forward this to the next level and will be contacted by Wells Fargo by phone or email. ReXXXX XXXX XXXXXXXX However, so far I have not heard or received anything from WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry with Bank of America that I did not authorize nor do I have bank accounts or credit card or a car loans with them
Product: Debt collection

XX/XX/19 - Received call from XXXX. Mr. XXXX attempted to collect debt that was paid last year. 
Was extremely harassing and could not provide specific details. Continues to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

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

XX/XX/20 I submitted Identity Theft documents to XXXX, Experian & XXXX about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my XXXX  & Experian report even though I have notified them of Identity Theft in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  CLOSED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number XXXX XXXX {$520.00} Account Status COLLECTION Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from Experian saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX XXXX Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX XXXX Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXX  XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX please delete due to inaccuracies. 

XXXXXXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX  XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  na is showing on my credit report that I owe them {$440.00}. I have been out of the country doing mission work came back after 5 years overseas to find out someone open a XXXX XXXX XXXX XXXXccount and my name this is not mine I have never had a XXXX  XXXX XXXX account this needs to be deleted from my credit reports today I did not open this account this account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
XXXX, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my 2nd correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. XXXX XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint against TransUnion and XXXX regarding collection accounts from XXXX XXXX that are listed on my credit reports. TransUnion and XXXX consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.
Product: Debt collection

On or about XX/XX/XXXX I was contacted by phone by someone named " XXXX '' from Zenith Financial Network ( ZFN & Associates ). A letter from them is attached. 
He stated he could resolve a debt of mine from ( or transferred to ) XXXX Credit Card, original debt balance {$9200.00}, and it would be settled for {$1900.00}. I was confused at first, since I had never dealt with or had a credit card with XXXXXXXX XXXX  Upon looking through my records, I saw it was the same original debt and same last 4 digits of my card number from XXXX XXXX XXXX XXXX XXXX. That debt had been transferred to XXXX XXXX XXXX XXXX. Back in XX/XX/XXXX, I entered into a court settlement agreement to make monthly payments to XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX. I was paying {$96.00} per month, after a one time payment of {$4000.00}. The balance of the debt as of XX/XX/XXXX was approx {$3000.00}. 
I told XXXX I was already making payments on this debt. The caller excused himself and said he would look into it. Two days later on XX/XX/XXXX he called back and said in effect that XXXX XXXX had been contacted and if I paid ZFN {$1900.00} everything would be cleared and " go away ''. Reluctantly but wanting to pay the debt off early I agreed to make the payment. 
In XXXX of this year after the automatic payments to XXXX XXXX stopped coming out of my checking acount, I believed everything was cleared and the matter resolved. 
Earlier this month of XXXX, I received a notice from XXXX XXXX saying a Judgment was pending against me and that I owed them {$4200.00}. I have now entered into a new agreement with them.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act 15 USC 1692c ( c ) I am excersing my right to request all collection activities be stopped immediately including but not limited to cease credit reporting. See annexed letter
Product: Mortgage

This is in response to prior claims that have been submitted and closed due to the response of the creditor. Claim file numbers are  XXXX  and  XXXX .  <P/> The foreclosure sale has been process my motion to dismissed was denied as expected, to think that the judge would listen to my case and my concerns was foolish. However I received this letter that I have attached from Citimortgage and have followed up on this I have not heard back. I want to the outcome and has this request has been processed and I am entitle to this refund. As their claim is that I did not make any payments while my file was in foreclosure but checks were processed cashed.  <P/> Please advise, thank you.
Product: Debt collection

I was contacted today on XX/XX/XXXX at approximately XXXX pst, from this number XXXX by a representative called XXXX XXXX XXXX repersenting American Express and said she's calling from XXXX. She refused to give me her employee id number instead she gave me her extension number ( XXXX ) and claimed that's her id number. 

She attempted to ask about a close account from XXXX, I informed her that I do not agree with her and in fact what she's talking about is fraudulent activity that happened on an authorized account. At this time, I clearly informed her that the statue of limitation has been reached and if she was trying to get me to falsely admit to charges that where fraud that I'm protected under the consumer act. At this point I asked to speak to her manager to explain to them what they are doing is harassment and that coercion is illegal. 

Mr. XXXX XXXX XXXX xXXXX ( claims he doesn't have an employee id number ) got on the phone to " attempt '' to calm me down and find " what happened '' in XXXX. I explained to him that the issue was addressed in XXXX, I am not responsible for these fraudulent activities and that what they are doing by trying to get me to admit thru threats of lawsuits ( which already surpassed California 's statue of limitation ), intimidating tone of voice is illegal and do not call me back. He then purposely offered me unsolicited incorrect information telling me if I contact the other departments or pay money it will not effect my credit, When clearly it's known that if you pay it can be reported to the credit bureaus even if you do not admit guilt. 

I reapetly informed them that this is not my dept, do not call me and I'm not responsible both Mrs. XXXX and Mr. XXXX refused to listen and take my statement seriously.
Product: Debt collection

I set up a settlement and to a supervisor name XXXX and the settlement amount was {$710.00} set up on XXXX. Payment for {$100.00} was sent by my bank on XX/XX/2022. 

Please removed my card from automatic payments. I can make my own payments. 

I never received a settlement by email as promises. 

Also, I made a bill payment that still haven't reflected on the XXXX XXXX. I have enclosed the proof of payment.
Product: Checking or savings account

Hello, when I signed up for this account I used a promo code of XXXX ( from a flyer I received in the mail ) which was supposed to pay a {$300.00} bonus after XXXX debit card purchases by XX/XX/year> and have over a {$300.00} balance. The {$300.00} bonus was never paid and I have communicated with the bank. They are asking for a photo of the mailer I received which I have provided. They are still stating that they can not pay the {$300.00} bonus since : " We wanted to follow up with you regarding the email we received. Per our Rewards Department our request has been denied. In order to continue research, we would need an image of the mailer which includes your name and address. Per our Rewards Department there is no record of an offer being sent to you. Within the disclosure, the name and address on the account must match the mail piece and they are not transferrable. " I believe they are not honoring the terms of the offer that I received via mail.