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

I opened a Valley National Bank account to take part of their {$400.00} new checking account bonus. The requirements state you need to " receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of opening the account. '' I opened the account on XX/XX/XXXX and had three direct deposits go in... XX/XX/XXXX direct deposit in the amount of {$3500.00}, on XXXX direct deposit of {$930.00}, and on XX/XX/XXXX direct deposit of {$4300.00} ... a total of {$8800.00} ( over the {$7500.00} requirement ) in direct deposits and clearly within the 90-day time frame. I called the bank this week asking about the status of the bonus, and the manager changed the terms and told me that I needed two direct deposits per month for three consecutive months. According to her, I needed a total of at least six direct deposits for 90 days to fulfill the requirements ... this is not accurate information and not advertised as the terms of the promotion on their own website. After explaining that to her and telling her to review her own website, she put me on a long hold and told me she would have to review this and get back to me. I have not heard back since. I fulfilled all the necessary requirements as advertised to be rewarded this {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check shows dismissal and they should be removed and there over XXXX years old 2007 need to have this updated snd removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires listed on my credit file that are not mine, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i have not applied for any loans with these companies the inquiries are from fraudulent applications remove them from my file
Product: Checking or savings account

I was erroneously charged twice by XXXX on XXXX XXXX. XXXX was a {$15.00} charge, and the other was a {$16.00} hold. 

The two charges brought my account into overdraft, incurring a {$36.00} overdraft fee from SunTrust bank. I called XXXX and had the issue corrected. They said they would refund me the charges and that it would take 2-3 business days. 

I then called Suntrust to notify them of what happened. I told them the two XXXX charges were a mistake and being refunded, and asked to be refunded the {$36.00} overcharge fee. They refused, but did say that once the XXXX charges are fully refunded, then they will refund the {$36.00} overdraft fee. 

On the very next day, however, XXXX XXXX, SunTrust hit me with a SECOND overdraft fee, still related to the erroneous XXXX charges. So despite the fact that I called and told them the XXXX charges were in error, they used them as the basis to hit me with two separate overdraft fees, totaling {$72.00} XXXX all because of two XXXX charges does in error worth {$31.00} XXXX. 

Representatives at SunTrust have been completely unhelpful to me addressing this. Instead of working with me to prevent the overdraft fees once I informed them the charges were in error, they instead kept hitting me with the fees. 

They claimed the fees are applied automatically by a computer, and that for a human to override them and credit me the {$36.00} overdraft fee, I would have to await a phone call from a supervisor which could take 3 business days. 

Having {$72.00} stolen from your account by your banks due to a {$30.00} mistake that is in the process of being refunded, created an exceptional hardship in my life. And that lack of responsiveness by the bank made the problem much worse.
Product: Credit reporting or other personal consumer reports

My information was breeched a few years back when I went on vacation on the XXXX cruise line. I've been trying ever since to get my credit and other information back on track. This Discover card is not mine and I need them to remove it.
Product: Payday loan, title loan, or personal loan

I have been repeatedly contacted at my office which I. Stated I could not be contacted at. XXXX the individual tries to force me to verify personal info social dob etc. says unpaid balance from XXXX XXXX XXXX XXXX collecting for XXXX I send to send letter or contact alt number I would not give personal info. He then said he will contact my employer to have wages garnished. Fairly certain. This is illegal and not a legal payday company or in Florida. Not to mention debt collecting policy etc. these people harass and should be shut down
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

XXXX : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 

TransUnion 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report.
Product: Bank account or service

On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXXXXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.
Product: Checking or savings account

On XX/XX/2020 I attempted to use my debit card ending in XXXX and was not able to use the card. I called the bank and was told my account was placed on hold because I had tried to deposit a check into an account that I closed and it was determined to be from a closed account. The sad part about this is that the account they claimed I tried to put the check into was closed by me a month prior. I explained to the representative that it wasn't me and that the account was hacked which was why I closed it from the beginning. Well, she explained that they were closing the account anyway and that I could go to a Citibank to get my funds. I went to the Citibank closes to my home only to be told that they couldn't give me the funds because the account was on hold and they couldn't access it. I called Citi customer service again and was told that I could go get my funds. Well, that never happened. Here we are months later of calling. I called XX/XX/XXXX and spoke to someone about the account closing and again was told I had to wait 60 business days. Called again on XX/XX/XXXX, was told my account was being submitted to be closed. Called again on XX/XX/XXXX was told to call back in 48 hours. Called again today which is XX/XX/XXXX and was told that the account was still under investigation after its been 60 days. I am at a loss. They have {$950.00} of my money and has failed to give it back. They have no reason to keep this account open and are collecting interest on my money. I have called them time and time again and still no response. All I want is my money. Citibank is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I went to a BOA in XXXX XXXX XXXX to wire money to XXXX to support my parent in law. Because I never did wire transfer to foreign country and worry about to make mistake, I decided to go to BOA to let an agent to help me and explain to me. Actually with an agent help, I had a bid mistake, the money I sent out was {$15000.00}, in XXXX they only received {$14000.00}. It is {$64000.00} short. Actually the wire transfer is free for me, because I have highest level account and I don't need to pay wire transfer fee. 
fee can be XXXX {$45.00}. The agent misleading me to transfer currency XXXX  to XXXX. She said no fee. If I transfer US , it maximum {$45.00}. 
The bank People don't have enough knowledge to guide me to transfer, just told me click this, click that .... 
She can't explain the rule of transfer. I called 5 times to customer services, every time they told me different thing, no one really know about it. 
This is really a misleading me to lose money, I want the {$640.00} short back to my account
Product: Debt collection

Not sure where this charge comes from, I'm sure has to do with identity theft. I never signed any contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Gave notice to company that my personal information was exposed in the XXXX  data breach and i have been a victim of identity theft. At the time i did not recognize the account XXXX XXXX thats on my credit file. per section 605b of Fcra this account must be deleted immediately.
Product: Checking or savings account

Deceptive marketing I received an email by ally bank stating that if I open a savings account and set up recurring deposits along with other steps that were followed exactly that I would receive {$100.00} bonus I followed every step exactly how it was written on the email and now they're stating because I already had another account with them that I am ineligible after I've already completed the steps depositing funds into their bank and they sent me the email knowing that I had a bank account with them already which is fraudulent If you look at the email it states the specific steps that I must follow and I did and that I did not receive the bonus and they're saying I'm not entitled to it I spent hours on this problem talk to several different people at the bank that just passed me to the next person
Product: Checking or savings account

Answered email saying I owed PayPal {$580.00}. 
They put {$2000.00} in my Checking account. Somehow they had access to my bank accounts. Said I could repay by buying XXXX XXXX cards and turning the funds over to them. Bought XXXX & # XXXX. Two from my credit card account and one from my checking account. There was not enough money in by checking account so they transferred money from 2 other of my accounts to cover the cost. At this point I realized it was a scam because they wanted me to go buy another gift card. I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cleaned my computer. New bank accounts and credit card have been issued. I am out {$1500.00} and {$580.00} from a joint bank account.
Product: Payday loan, title loan, or personal loan

I called and wrote Prosper to revoke my ach payment authorization abs they OK it but the ach payment continued. I filed XXXX  XXXX bankruptcy on XX/XX/22 and the clerk verified that they were notified and the ach withdrawals continued and XXXX  XXXX XXXX not Prosper could stop the ach payments
Product: Mortgage

My mortgage servicer, Nationstar Mortgage, is attempting to perform a foreclosure sale on my property, by using falsified documents. There are many discrepancies on who actually is the owner/certificate holder of my mortgage. The documents Nationstar has provided, lists XXXX XXXX. Yet, in doing research, XXXX XXXX Associates have verified that there is no connection to my mortgage and their locations. Because my mortgage loan was apparently securitized, the paper work in the apparent transfers were not properly performed. Thank you for your time and attention in this matter. XXXX XXXX
Product: Credit card or prepaid card

I opened the Macys credit card issued by XXXX XXXX on XX/XX/2021. I made few purchases on the same day and have sent of XXXX now. They send me the card I tried to call them and activate the card but they every time deny activating the card saying they need to verify my identity calling me but they never call to me this process been three times. Now I have got a bill saying I need to pay them but I can not pay them because they dont activate my card. I am afraid they will put me to collection for not paying them on time but I want to pay them and can not because they never activate my card. Please help me to activate my card so that I can pay them the balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Received a report from LexisNexis saying my savings account for XX/XX/2022 and XX/XX/2022 had {$1800.00}. Combined with my checking account this put me over the {$2000.00} resource limit and triggered an overpayment. However, the REAL amount in the savings account for that month was {$51.00}, Verified by the bank itself. LexisNexis failed to provide a copy of my consumer report upon request.
Product: Mortgage

On Monday, XX/XX/2021, XXXX XXXX of XXXX XXXX, XXXX provided me with a pre-approval of an investment property at 20 % down payment / 80 % loan of purchase price. Throughout the process, we have asked XXXX whether 20 % down is viable given we heard from friends that investment properties now require 25 % down, and he has promised multiple times that it was within guidelines. 

On XX/XX/2021, after having our offer accepted, I had done my own research to verify the information that XXXX had communicated to ensure my mortgage is within guidelines. To my horror, after just minutes of reading XXXX searches, I discovered that Fannie Mae and Freddie Mac guidelines specifically ask for 25 % down for investment properties. I believe it was raised from 20 % due to COVID and increased risks. I then immediately call the branch manager, XXXX XXXX to discuss whether my case is valid. He was unsure and had to get back to me. After this, I had reached out to XXXX via email to confirm once again, whether 20 % down for investment property ( 2 Units ) is viable and he confirmed in writing I am " Approve/Eligible for a 20 % down payment. '' I then had to copy XXXX on that email and moments later, my husband received a call from XXXX XXXX that he " XXXX XXXX XXXX XXXX '' and we need 25 %. 

This is a severe level of incompetency among licensed professionals from origination to management level. Both XXXX and XXXX are not kept up to date on required originating & underwriting guidelines and in my case, irresponsibly provided an unqualified candidate with a preapproval. Even after numerous attempts by me to question and verify my case. This is extremely concerning for the community and the NJ residents that may have the misfortune to work with them. If I can get more accurate information within minutes of research, and I have to question licensed professionals multiple times on their field of expertise to get wrong answers, I don't think these people are qualified to do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX XXXX. both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit card

In XXXX of this year, Synchrony closed my first account to XXXX XXXXXXXX  with no forewarning. It was 8 months since I had used it and was ready to get more XXXX XXXX  done & to my shock, they closed it with a high credit limit. Gone- My credit score dropped a lot due to this I, like probably millions of other had the same thing happened to them, they shut our credit cards off with zero warning. XXXX XXXX never reached out to me, never sent me any email or notification that they were going to close my account. I have other card that if I dont use them for a certain period of time, they gave me the heads up so that I could spend something on it and keep it open. When I found out that it was already closed, I called them & asked them why because I was going to get ready to use it in about a week with a new XXXX I got all kinds of different answers. One lady told me it was because of " lack of real estate ''. what, is this even a thing? Apparently, I don't own a home so that's some excuse they gave me. which is absolutely ridiculous cause I haven't owned a home since XXXX this is the worst company ever that they are unilaterally allowed to just shut off credit cards for no reason and ruin peoples credit. I never was late with them, never missed a payment, I was a good cardholder, and this is how they treat me and millions of others. Now, a few days ago, I am shopping online with XXXX XXXX and go to use my card again, and closed - no explanation, same exact scenario. I call and understandably I am heated. I speak to 3 agents that gave me their Id # 's, a couple reused, one hung up on me. I finally get to a manager, XXXX XXXX XXXXXXXX & what happened, same script- I made him read the letter to me. Same as last- I have student loans ( never late, no delinquencies ). # XXXX on it- no first XXXX. WTH? I made him read that 3 times to me. When is someone not worthy of their credit card if you don't own a home. It was about XXXX} that I lost from my avail credit. I was looking to purchase a home and the drop in my credit score was so drastic from them, I have to now wait until I can get my score up again. I attached the card # for XXXX XXXX- but sleep number was electronic and didnt have a physical card. The letter I attached shows the sleep number information
Product: Checking or savings account

I received an email back on XX/XX/2023 notifying me that an account with Chime was opened and on XX/XX/2023 I received an email letting me know a debit card was being sent. I received the debit card about 7-10 days later. I received a email on XX/XX/2023 asking me to activate my new debit card. I received another email on XX/XX/2023 reminding me to activate my debit card. During this time I did receive the debit card and didnt do anything with it as I had no idea why I was sent the debit card. I didnt think anything of it until I started receiving emails saying money was being transferred to and from the account on XX/XX/2023. I contacted Chime yesterday XX/XX/2023 and spoke with XXXX and she was able to confirm an account was opened in my name. I confirmed I never opened the account. She closed the account and canceled the debit card. She emailed me a confirmation of the account and debit card being closed. I did contact all 3 credit bureaus and froze my credit with them. I didnt notice anything else opened in my name and my actual bank accounts remained untouched. Im just trying to be proactive.