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

I signed up for an Albert XXXX XXXX insured through XXXX XXXX ) account using a referral link I was provided. The referall link terms were very simple and only stated 1. You must be a new Albert member 2. You must sign up with a referral link 3. You must set up direct deposit with Albert Cash 4. Make a direct deposit of {$200.00} or more every 30 days for 90 consecutive days ( 3x total ).

5. Spend at least {$100.00} on goods or services with your Albert debit card every 30 days for 90 consecutive days ( 3x total ).

I met all of these terms in the 90 day window.

1. I have never had an Albert account before 2. I signed up using a referral link I was provided. The link takes you directly to the XXXX play app store ( or apple app store ) and provided them with my history which shows a link I clicked on that had the referral link and shows the XXXX play store address. I signed up for this account on XX/XX/XXXX 3. I set up a direct deposit from my employer into Albert Cash 4. I received a {$200.00} direct deposit from my employer on the XXXX and XXXX ( or earlier depending on weekend and/or # of days in month ) of every month from XXXX through XX/XX/XXXX. That satisfies the " every 30 days for 90 consecutive days '' requirement.

5. I spent over {$100.00} using my Albert debit card every 30 days for 90 consecutive days. 

I have provided all proof needed to Albert along with pictures of the terms I was given at signup.. and they refuse to payout the {$150.00} signup bonus. They are impossible to work with and do not have a number to call. There is only a number ( 5 digit so can not call ) to text and an email. I followed all rules and terms and they refuse to assist. 

Albert keeps making up terms that are not posted anywhere on the website or anywhere to dispute any bonus like " the referrer has to complete all requirements as well '' ... which is not posted ANYWHERE online or in the signup terms. They are a terrible product and do not have any online banking. Only app which is hard to work with. 
They then tried to claim I didn't use a referral link. Even though I provided them my history in my phone google chrome browser which showed a XXXX play store link with a referral code/link. They then admitted I used a referral link. They just continue to be impossible to work with and will do anything to not pay out the bonus as promised in the terms. Also my direct deposits that I set up match the direct deposit requirements EXACTLY as stated in the terms... why else would I set this up.
Product: Credit card or prepaid card

On XX/XX/2023, I noticed an unauthorized charge of {$980.00} on my Bank of America account ending in XXXX. I promptly reported the fraudulent transaction to Bank of America 's customer service, providing all the necessary details, and was given a claim number XXXX. After their investigation, Bank of America denied my fraud claim, stating insufficient evidence to support my claim or another reason that I believe is not justified. 

I have reviewed my account statements and can confirm that I did not authorize this transaction. I have also taken appropriate security measures to protect my account, such as updating my online banking password and monitoring my account for further suspicious activity. Despite my efforts, Bank of America has not provided a satisfactory resolution to my issue. 

I am filing this complaint with the Consumer Financial Protection Bureau to request a thorough investigation into my denied fraud claim and to seek assistance in recovering the lost amount of {$980.00}. I believe the bank 's decision to deny my claim is unjust and request that they reconsider their decision and credit the amount back to my account. 

Please let me know if there is any additional information needed to support my complaint or if there are any further steps I should take. I appreciate your assistance in resolving this matter.
Product: Payday loan, title loan, or personal loan

We purchased and had solar system installed by XXXX. They did not complete the setup since back in XX/XX/2019. We have a loan with loanpal for the solar system. Loanpal and XXXX and I, made a 25 year agreement. The purchase agreement from loanpal says XXXX  have 5 days to finish the completion of the start date. They have breached their contract and we can't seem to receive help from neither XXXX  or loanpal. We are asking to look into these companies, not only for XXXX and XXXX XXXX of XXXX, Fl but shut them down for all the other people that have the same dilemma. Thank you and hope to see a change.
Product: Checking or savings account

Extremely poor customer service at M & T Bank. 

Over 3 weeks with no access to accounts due to a " legal hold '' block and no contacts from the bank. Still waiting to access my funds... 

Log of events : -- -- -- -- -- -- -- Received mailing for a {$300.00} offer from M & T Bank to switch to Premium Checking as long as {$10000.00} deposited and held through XXXX and XXXX. 

XX/XX/2022 : Signed up for Checking with XXXX online on using offer code " XXXX ''. Was able to access online account. 

Instructed my employer to send direct deposits to my new M & T checking account. 

XX/XX/2022 : Received Docusign and submitted. 

Received M & T debit card in the mail. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Deposited check # XXXX for {$7000.00} from my XXXX checking account via ATM on XXXX XXXX ( XXXX XXXXXXXX ). 

XX/XX/2022 : XXXX checking account ledger showed that the check cleared and was deposited to my M & T checking account XX/XX/2022 : No longer able to log into online account. Message indicating that the account is blocked and to call customer service. Tried to call but wait times were over 1 hour due to People bank conversion. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Called customer service ( 1 hour wait queue ) who indicated that the account is blocked for legal hold but I would receive a call back within 7 days. 

XX/XX/2022 : No calls from M & T Bank still, so called customer service again ( 1 hour+ wait queue ) who just transferred the call to Fraud team ( call dropped so had to call back and wait in 1 hour+ wait queue ). Fraud team indicated that the legal hold was still there and should just be " a few more days ''. 

XX/XX/2022 : Went to XXXX to schedule a meeting call with branch. Meeting was confirmed for XX/XX/2022 XXXXXXXX XXXX XXXX with XXXX XXXX 

XX/XX/2022 : XXXX XXXX from the branch never called. Contacted customer service again ( 30 minute wait time ) and they just transferred to Fraud ( call dropped ). Called Fraud line ( 1.5 hour wait queue ), but no new information and finally was advised to just go to a branch. 

At this point, I still don't know why the account is blocked but plan to go a branch as soon as I can to close out my account and withdraw my funds.
Product: Checking or savings account

On XX/XX/2022, I decided to open a Discover Bank XXXX Account online. Discover Bank was offering a special bonus of {$150.00} if the savings account was opened with {$15000.00} and held for at least 30 days. Near the 45 day mark, I contacted Discover Bank through their online message system. The customer service agent ( XXXX ) notified me that a promo code was not applied to the account to receive the bonus offer. At origination, Discover did not disclose a promo code. A promo code input field was not available during the application process. The savings account was opened using links on Discover Bank 's online offer site. 

Discover Bank Customer Service stated that they can not provide the bonus unless I provide the promo code for the offer that was on their website at origination. Discover Bank 's website for the savings account did not provide any promo code. I opened the account through the links provided by Discover Bank and abided by the terms of the bonus. I would like Discover Bank to credit my account the {$150.00} bonus and provide the adequate XXXX showing the bonus for 2022.
Product: Payday loan, title loan, or personal loan

About 6 months ago I applied for a personal loan from Citibank. The loan application stated that if payments are made with AutoPay, there would be a 0.5 % APR discount. I have used auto pay since the origination of the loan, and have yet to receive the reduced APR. When I made a complaint to Citi, they said that the loan needs to be paid with a Citi checking account to get the discount. That information was not provided at the time I applied for, or accepted the loan. I find this to be very deceptive marketing. Citi refuses to honor the offer. 

The offer is still advertised on their website : " Fixed rates of 9.49 % - 20.49 % APR. Additionally, there is a 0.5 % APR discount if you enroll in automatic payments at the time you submit your loan application ''
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my federally protected right as a consumer. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to send me compensation in the form of a check {$5000.00} immediately. They unlawfully recorded my voice without consent and exposed my personal information in a data breach. They have only offered Identity restoration services which in NOT enough. They are putting the lives of consumers at risk with all my personal information now being accessible.
Product: Credit reporting or other personal consumer reports

My auto loan with XXXX XXXX was showing on my credit report as paid in full it's now not showing anymore on my credit report due to the Credit bureau erroring in reporting.
Product: Credit reporting or other personal consumer reports

The creditor is reporting an incorrect balance on my report and is also reporting the incorrect original creditor on my report. The incorrect creditor is also reporting incorrectly on my account. They are stating two different original creditors and two different open dates.
Product: Credit card

I have a of Capital One 's Sparks Business Card that I took out in XX/XX/XXXX after I began my financial practice. My business closed shortly have the XX/XX/XXXX crash but I chose not to claim bankruptcy, but instead try to manage the huge debt that I accumulated. I have been nursing a {$14000.00} balance on the card and up until just recently have used the card regularly. On XXXX XXXX, XXXX, I contacted Capital One 's call center due to a cash flow difficulty because my next pay period was falling on the XX/XX/XXXX and my payment date was the XX/XX/XXXX. The representative was very nice but he omitted some very important information concerning what would happen if I missed my payment date. I asked him to move my payment cycle to the XX/XX/XXXX to help make the current payment on time as well as future payments. He informed me that he can move the date but it would take a whole payment cycle. I explained that I could n't make my payment until the XX/XX/XXXX to which he answered, that I just needed to call back and they would reverse the late charge. 

On the XX/XX/XXXX, I logged into my account to make the payment as I promised and noticed that Capital One had now doubled my interest rate, which cause me to also go over my credit limit and generated another {$39.00} fee in addition to the {$39.00} late fee. I called back the next day ( Saturday ) and ask for a supervisor. Although she agreed to credit the account for the charges and the extra interest on that bill, she said I had to continue to pay the 29.4 % interest rate for twelve months before they would consider lowering it. It was formerly at 15.9 %, already very high for a period of historically low rates. I was having trouble making the minimum payments of $ XXXX/month and now I 'm expected to make $ XXXX/month payments? I calculated that to be an extra {$1900.00} on a {$14000.00} balance over the next XXXX months for being XXXX days late. I told her that I needed to speak to someone who had the authority to make a decision to change my interest rate back to where it was. At first she would only offer me the general correspondence address, but then when I press her she said that she would have someone call ; but no one every did call. 

Finally, I call back on XXXX XXXX and immediately asked for a supervisor. I spoke with XXXX who really did n't care to do anything for me except offer me the same address as before. By this time, I was pretty heated so I told him to close the account and send it to collections because I can not pay it as is. I do n't know about the latter, but he did close the account and this is where I am with it today. Can you please help me? I did send a letter on XXXX XXXX, to the address they gave me, but after reading some of the complaints online, I doubt if I will get a response. Your assistance will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

To XXXXXXXX XXXX  XXXX Bankruptcy Risk Solutions Consumer Center Log # XXXX File # XXXX You are required by law to report accurate information ... the information you are reporting has the wrong addresses, therefore it is inaccurate. I understand that under 15USC 1681i ( a ) ( 3 ) ( a ) you are required to complete the reinvestigation within 30 days of receiving this notice. 

Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove Reference # XXXX, Wrong Address, Delete & Remove The information listed above is inaccurate and does not reflect my true credit file, in accordance with 15 USC 1681i ( 1 ) ( a ). I am requesting that you immediately remove those files The addresses you have on these reference are not my address, my address is XXXX XXXX XXXX, XXXX XXXX AR XXXX ( ONLY )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of certain items listed on my credit report under the Fair Credit Reporting Act ( FCRA ). I believe these entries are inaccurate or invalid, and I request that you reinvestigate and remove these items promptly.
Product: Credit reporting or other personal consumer reports

Companies in question are XXXX XXXX  and XXXX. 

I have a closed account with XXXX XXXX from almost 8 years ago. This went to collections. The first missed payment was in XXXX of XXXX. Almost 8 years have passed and its still appearing on my credit report. Additionally, the dates on the report have been changed, and shows the first missed payment as happening in XXXX of XXXX. All dates prior to this are listed as ND for No Data. I never entered into a contract with the collecting agency XXXX. 

Againthe first missed payment was XXXX, well beyond 7 years. This should no longer be reported on my credit report. I have attached documents related to the first missed payment ( via email due to paperless billing. ) Additionally, I have attached a statement from the collections agency stating the XXXX had passed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report as it is not mine and I did not authorize anyone to use it.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX Bank account number : XXXX. I had no choice than to settle this account with XXXX Bank collection agency XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX Bank. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX Bank requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Product: Checking or savings account

XX/XX/XXXX {$980.00} withdrawn without my permission. 
XX/XX/XXXX{$2300.00} withdrawn without my permission One other attempt which was submitter for authorization and I detected and denied. Do not know the date but believe was in XXXX and for {$2300.00} ( Has been deleted from my statement information ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will call before or on the due date and demand payment. If you do n't make payment over the phone they report a late payment. This happened in XX/2017.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax repeatedly refuses to make sure that its reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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

Wrong balance reported on my XXXX XXXX credit report I AM NOT over my limit and I would appreciate it not being reported that way. I attached the proof below. Please stop reporting my XXXX balance in error.
Product: Student loan

I applied and accepted a forebearance for my private loans in XXXX. The forebeaance was to start in XXXX. Come XXXX, Navient deducted the payment from my account. I called and they said that the representative who handled my forebearance forgot to cancel my payment ( I was on auto debit ). I received mutliple overdraft fees from my bank on this. It is now 3 weeks later and I have not received the refunded money. 
I called today - and was told it was processed on XX/XX/XXXX. I called XX/XX/XXXX. Not sure why this is taking so long, it is ridiculous. I was told it was a holiday - I called 3 weeks ago, way before a holiday. Navient system is disorganized, and unreliable.
Product: Debt collection

In XX/XX/XXXX, I reviewed my credit report and became aware of XXXX XXXX. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for 7+ years. 

I sent a debt validation letter to : Louisiana XXXX XXXX ( LRS ) Debt Collection Group XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX this account listed on my credit report : Original : XXXX XXXX  : {$68.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Product: Bank account or service

Paypal has my account listed with a negative balance for an unknown reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first submitted a dispute to XXXX, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. XXXX XXXX XXXX just stopped communicating with me. XXXX despite 2 requests NEVER REPLIED ONCE!
Product: Credit card or prepaid card

I traveled to XXXX on XX/XX/19 and thats when the transactions started being flagged as fraudulent. This is the second time now that Capital One has shut down my card when I was out of town. Capital One declined my pre-authorization for an XXXX ride from the airport to home on XX/XX/19 leaving me stranded at the airport. 

I need them to understand I travel and they can not shut down my card every time I am more then XXXX miles from my home. Last time it resulted in my account being closed and it took months to resolve. I understand they are trying to protect me from fraud but I can not have my account flagged as fraud just because I am out of town. 

Please mark my account profile as someone that travels and stop shutting down my account, its very annoying and embarrassing to have your card declined and flagged a thief.
Product: Debt collection

XXXX XXXX of XXXX Tx They are saying I owe them {$2700.00}. I don't know for what because I had medical Insurance and it should have covered what I went there for which was a cold and I was told I was dehydrated.