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

I opened a new XXXX savings account under a promotion offer code : " XXXX '' at the branch on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$520.00} bonus. 
The bonus requirements are as follows : XXXX. " Open new account with {$25.00} in a branch. '' I opened my account at the branch on XX/XX/2023 with {$25.00}. 
XXXX. " Bring {$25000.00} or more in new money to your new savings account by Day 30 and maintain at least a {$25000.00} balance through Day 90 after account opening. '' In my case I needed to bring a total of {$25000.00} or more by Day 30 was XX/XX/2023. By XXXX XXXX, XX/XX/2023, I brought in a total of more than {$25000.00} in new money, and by Day 30 I had a balance of {$25000.00} in my savings account. I maintain the funds in my account through Day 90 after account opening. Day 90 was XX/XX/2023. I maintained the funds in my account until XX/XX/2023. 
Although I met all the requirements, I did not receive the {$520.00} Savings Bonus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was offered a job that turned out to be a scam. The company I was supposed to be working with was XXXX XXXX. They sent me a check on XX/XX/2022, and advised me to use mobile deposit to deposit this check into my account. I was then supposed to use those funds to order equipment for the job. I called my bank, Wells Fargo, and notified them of this, and questioned whether or not I should be concerned. The banker advised the check was going through, and no concerns they can think of. On XX/XX/2022, the funds were in my account, and XXXX advised to send the first payment via XXXX. I did this, and then they requested more payments be sent. With this, more and more issues came about and the payments wouldnt complete, but XXXX rushed me to get the funds sent and suggested a wire transfer. i spoke with the bank again and advised what was happening and still did not get any additional direction. I sent the wire but advised the company it was under duress and was very skeptical. After the wire transfer completed, XXXX sent me another check stating I need to order more funds. I pushed back as much as possible, but ultimately ended up depositing the second check, but advised funds would not be sent without more information. I called the bank directly after and was told that this was indeed a scam, and that unfortunately I will be responsible for the funds sent. I dont understand how this is a case, and now I am negative over {$2000.00} in my account. I would simply ask to be ace whole as I made every attempt to discuss with the bank during this process to avoid any negative repercussions on myself. Again did not spend these funds, but sent as directed. I know that certain financial precautions are in place ad would like this reviewed. Thank you
Product: Credit reporting or other personal consumer reports

The company has not removed information from there report, Experian, XXXX and XXXX They are sharing information that was never consented to its release from the beginning by written consent
Product: Payday loan

I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a small open account with Swiss Colony, from which I buy an annual gift or two every holiday season. that is the only time of the year I buy from them. my initial payment is due in mid XXXX. however 3 separate times now and 2 years in a row, Swiss Colony has reported to all 3 major credit reporting agencies that I have 2 additional late payments. most recently twice this year they reported that I had a late payment in XXXX and XXXX XXXX however thats not possible. I rechecked my prior orders in my account with them and I had no order around that time. I only had the holiday order and paid my balance in early XXXX on time. I have previously reported issues directly to Swiss Colony and its taken forever to get things fixed the 1st time. this 2nd time I went thru my credit reporting XXXX XXXX and thought it was fixed as it disappeared however back on XX/XX/XXXX all 3 credit reporting agencies notified of an update from Swiss Colony. When I went to look sure enough the bogus late payment from XXXX and XX/XX/XXXX was back again. IT IS NOT VALID. every time they they make this incorrect reporting, my credit score goes WAY DOWN and it takes forever to get it back up. I shouldnt be dinged for something that isnt correct and that they cant seem to get corrected in their system for the life of them
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am the primary and sole owner of a FHA mortgage. The mortgage was sold by the original mortgage company to the XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX sold the mortgage to Green Tree Servicing LLC now renamed as Ditech Financial LLC. I took great efforts to make my payments and kept them current until XXXX XXXX to XXXX XXXX when due to financial difficulties I trailed behind with my payments being made late. My wife spoke to XXXX XXXX, customer service representative on XXXX XXXX, XXXX who advised that we should not make any more payments on the account as the payments that were made for XXXX XXXX and XXXX XXXX were being refunded due to foreclosure against the property. Green Tree sent me documentations of the necessary options that I could take if I wanted to prevent the foreclosure so I opted for modification of the loan. I went through a HUD approved Housing Counsellor who assisted with the modification process. I had dialogue with XXXX XXXX, a mortgage advisor from Green Tree on XXXX XXXX, XXXX regarding the foreclosure and she informed me that my property was prompted for foreclosure because I had failed to make two full years of mortgage payments. I told her that was highly impossible as all the payments were made when the mortgage was with XXXX XXXX XXXX and also when it came over to Green Tree. I requested a detailed statement from XXXX XXXX XXXX to show all the transactions when they had the mortgage before it was sold to Green Tree and the statement accounted for all my payments. I also requested a detailed statement from Green Tree and all payments were accounted for prior to the three payments for XXXX XXXX to XXXX XXXX that were paid late. I questioned XXXX about the two years mortgage payments that Green Tree was indicating as missing and suggested that they did a detailed audit of the account to see where the error lies. XXXX advised me that if I was planning to do an audit of the account Green Tree would have no other option than to go ahead with the planned foreclosure of the property. Based on that advice I declined the audit in order for the property to go through the modification process. At XXXX XXXX, XXXX my principal balance from the statement I received from Green Tree was {$160000.00} Upon modification they gave me a new principal balance of {$230000.00} When I asked for a breakdown of the figure they told me all the outstanding payments for the two years in question and other foreclosure fees were added to bring the principal to that amount. Even though the modification process had gone through I am not at ease within myself. I feel that some grave mistakes have been made somewhere within my mortgage account and I am requesting a detailed professional review of this account. 
Thank you for looking into my matter.
Product: Student loan

My ex-husband and I consolidated our federal student loans in the early XXXX, in a XXXX repayment plan! They have been held by AES for years. Since the consolidated loan shows him as the primary borrower, I am not allowed to access any forgiveness options on that site. 

Our divorce decree provides that we are both responsible for half of the loan. 
Although there is a law allowing ex-spouses to sever their consolidated student loans, the Department of Education told me that there is no form to do so. Also, since my balance shows as XXXX on the Department of Education website, there is nothing I can do there. 

I have worked in public service positions for more than XXXX  years. However, I was never eligible to discharge my portion of the debt because it was consolidated. The deadline for IDR programs allowing me to receive credit for these years and payments is going to pass without me being able to sever my loan first. This is incredibly inequitable. 

My complaint is that I want to be able to apply for a forgiveness of my portion of the loan based on my years of public service, which I should be able to do, but can not.
Product: Bank account or service

Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft and have duly reported the incident to the appropriate authorities. It is troubling to note that while other credit bureaus have promptly acknowledged and removed the fraudulent accounts, XXXX seems to be disregarding my legitimate requests. I am writing to urgently address the ongoing issue of fraudulent accounts persisting on my credit report, which is significantly undermining my creditworthiness. The fact that these fraudulent entries persist despite my repeated efforts to rectify the situation is both alarming and unacceptable. 

XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Checking or savings account

XXXX charged my checking account {$15.00} on or before XX/XX/14. The funds are removed from my balance. I did not authorize this charge. I have called multiple times to report it as fraud but BMO refuses to do anything because it is still " pending ''. However, I had a transfer fail due to unavailable funds as a result of this pending charge.
Product: Credit reporting or other personal consumer reports

I was never late. I have proof of the payment. Can you updated the late payment, to on time payment. I was never late. I was never late on XXXX of 2023 or XXXX of 2023. Please correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to infiniti again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call progressive. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Equifax several times. Under the provisions of the FCRA Equifax has a duty to ensure that the information being reported to my consumer file is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  XXXX   XXXX   XXXX  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  XXXX   XXXX  assigned to it.
Product: Mortgage

An escrow account was initially established for private mortgage insurance only. In XXXX of this year, I communicated to the mortgage servicer that I would be depositing money into escrow for payment of property taxes. As of this date, my escrow account has more than enough money to cover the property tax bill. I have talked with Customer Service several times from XXXX until today. In past communications, I was assured that my property taxes would be paid and that, if late fees were incurred, the servicer would pay them. Just two days ago, I received a call from a Customer Service Supervisor asking me if I wanted the Escrow Dept. to pay my taxes. This is after I had been assured that the Escrow Dept. had been directed by me to pay them. The problem here is that neither Customer Service nor I can speak directly with the Escrow Dept. I sent an email to the Escrow Dept. today asking them to please pay my taxes. The response to this email was " this is a no-reply email address. '' I am now working with XXXX XXXX XXXX. to refinance my home. I am concerned especially now that the current mortgage servicer will compromise the refinance process by its failure to fulfill its obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my Consumer report from Equifax ( XX/XX/2023 ) and I have noticed that there is still an unverified account that I have disputed last month. The Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. This XXXX XXXX account has been opened up without my consent and I had no knowledge of it until I saw my credit report. I have filed identity theft with the FTC as well as the CFPB. I have asked Equifax to verify this account but they have not provided me any documents that are on file nor have they given to me the name of the representative who verified this account or how they verified this account. I take my privacy as well as my consumer report very seriously and request for a re-investigation. .This account is True identity Theft. 

AccountXXXX  XXXX XXXX Issue-True Identity Theft Solution-Delete Account for True Identity theft which has not been verified on a Consumer Report. 

Please investigate this account. If i am remiss then please provide me proof with billing statements, Signature from contract showing the Complete history. If proof can not be provided, then I demand this Account be removed immediately from my Consumer Report. This one fraudulent account is hurting my ability to obtain a mortgage and is destroying my life. 

Thank You. 

XXXX XXXX
Product: Bank account or service

Santander makes it impossible to close a bank account with them. I attempted to close my bank account by sending an email to Santander requesting my account to be closed, however they stated that they can not do this via email and would have to call. I then called them on their banking phone number and they told me that the " Bank Account Closing Department '' was closed, despite it listed as being open 7 days a week on their website here : XXXX Not closing my account after repeated requests is a violation of consumer protection laws, and I am now demanding that Santander close my account, unless they want to be taken to court for willful negligence. This is the worst experience that i 've ever had with a banking institution, and with these practices, I do n't see how they have n't been sued already.
Product: Debt collection

Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute along with a FTC report to XXXX and EXPERIAN on XX/XX/2022 letting these companies know these accounts are fraudulent. They removed these accounts on XX/XX/XXXX and XX/XX/XXXX from my report. These accounts have been re-inserted on my credit report. My federal protected consumer rights are being violated due to the fact these accounts are fraudulent and also according to the FCRA I am suppose to receive a 5 day notice before re insertion prior to doing so and I did not receive anything.
Product: Money transfer, virtual currency, or money service

I am a college student and I was trying to purchase tickets for the football game. I was disappointed to find out I was actually scammed. I am out {$180.00} because some girl promised me tickets but never followed through. She communicated with me all day long ( XX/XX/21 ). She stated she never received the payment, but I spoke with my bank and they said the payment was received and confirmed. I am pretty upset because I am missing my football game and I am out of money.
Product: Credit card or prepaid card

This complaint concerns a billing transparency issue. QVC 's credit card, " QCard '' through Synchrony Bank offers a Promotional Financing option with deferred interest provided monthly payments are up to date. The billing statement gives a summary every month detailing the remaining promotional balance in a separate boxed area. No where on the billing statement does it say how much the payment is per month. The customer has to divide the original charge by the number of months financed to figure out the monthly payment ( as instructed by QVC Customer Service ). Furthermore, the Account Summary each billing cycle includes the total remaining balance of the deferred financing item in the New Balance ( payment due ). Each month the consumer must subtract the remaining deferred balance from the New Balance, then add in the monthly amount due for the item. The billing statement does not note the starting balance of the item, you have to remember the amount from your first bill. XXXX has a similar deferred balance option, and their bill CLEARLY states what is actually due ( New Balance includes the financed item ) and Interest Saving Balance ( the actual amount due ). You do not have to remember what the monthly payment is for the deferred finance item, do the math to come up with the actual amount due. I have complained to QVC to no avail.
Product: Checking or savings account

On XX/XX/2023, a complaint was filed with CFPB, with complaint ID XXXX. In this complaint, a Citi Accelerate High Yield Savings Account was opened under the " Leveled Bonus Offer '' promotion, where {$450.00} was supposed to be awarded for depositing $ XXXX in funds, over a defined period of time. 

Citi responded on XX/XX/2023 saying that I was not " targeted '' for this promotion, and so am not entitled to the {$450.00} bonus. I now attach to this complaint, the screen captures I obtained from using the Citi App on my mobile phone, after logging in ( I have a Citi Credit Card - that is why I had the app and was able to log in ), that show I was solicited to apply to this offer. I also attached the confirmation email I received from the offer, and the detailed terms and conditions. 

To my knowledge I have fulfilled all of the requirements of the offer and was " targeted ''. I look forward to getting a positive resolution to this situation.
Product: Credit reporting or other personal consumer reports

I would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with XXXX XXXX XXXX, XXXX, Equifax, and XXXX, providing them with the following complaint reference numbers : XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX for Equifax, and XXXX for XXXX XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

BRIDGECREST ACCEPTANCE CORPORATION MAILING LOCATION XXXX, AZ Due to COVID-19 in XX/XX/XXXX i stop payment on the truck they finance and i have send them a debt validation letter and they ignore my letter and in XX/XX/XXXX they came and repro my truck and they did not notify me that they was going to repro my property, the repro company ( XXXX XXXX ) stole money that i had in the truck and they came on my property illegally and stole ( REPRO ) my truck. I have ask BRIDGECREST numerous times to present me with the original promissory note so i can settle the debt and they have not present me with such promissory note.The law in Pennsylvania state that in order for a finance company to repro your vehicle they must notify the debtor of such repossession through register mail and they CAN NOT breach the peace, well the repro guys came on my property with guns drawn and i was in my truck when they drove and block me from moving my vehicle and the police was call, the police want me to hand over my property to these guys that i did not know where they was from and i tell them i am not abandoning my property and they arrest me for protecting my property. 
i have no idea where my truck is locate and i paid the constable to recoup my belongings and i had to pay the recovery pro for storage and they stole my money that was in the truck.