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

Opened a US Bank business checking account on XX/XX/2023 with a {$400.00} opening bonus ( code XXXX ) attached. Deposited {$250.00} into the account on XX/XX/2023 and {$2800.00} on XX/XX/2023 ( as well as funded account with a credit card on XX/XX/2023 for {$200.00} ) to meet conditions of bonus. I kept the money in the account until XX/XX/2023, which was when I withdrew the funds due to requiring that money for expenses and fulfilling the time condition of the bonus ( 60 days after deposit ). I've called customer service approx. 5 different times trying to see why the bonus hasn't posted after meeting all conditions- at first it was just waiting for the verification period to end, but it changed to having the bonus denied due to not depositing " new money. '' Per the terms, " new money '' is any money deposited from a US Bank or affiliated account, of which I did not use for my deposits ( used XXXXXXXX XXXX  ). I called to try to determine the sudden and incorrect reading of the terms, to which they were more receptive, but said that it will take 4-6 weeks to research. The terms are clear and I 100 % met them. From my experience, I do not have confidence that US Bank will rectify the situation promptly or ethically, hence the complaint. 

NOTE : I will attach the terms that are now on the new landing page for the link I saved. There was an increase of {$100.00} to the bonus ( {$500.00} ) but my offer was for {$400.00} with the same exact terms and conditions as the {$500.00} bonus. I'll also attach a screenshot of a blog post that had the code & terms listed for the {$400.00} bonus. Due to the landing page being changed by US Bank, I do not have access to the same page that I did when I applied for the account.
Product: Credit reporting or other personal consumer reports

I did not open these accounts nor did I approve anything from XXXX  XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I have never been to this place of business. I HAVE EXCELLENT CREDIT FOR 50 YEARS IM XXXX YEARS OLD. THIS CREDIT CALLED ME AND TRICK ME TO SEND THEM {$XXXX}. I HAVE MANY SYNCHRONY ACCOUNTS FOR MANY YEARS AND NEVER MISSED XXXX PAYMENT. THIS IS TAKING ADVANTAGE OF A ELDERLY PERSON BY CONFUSING ME TO SEND THEM MONEY FOR A ACCOUNT THAT IS NOT MINE. 


I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX years old and have lived in only XXXX places the last XXXX  years. XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX I have not missed a mortgage payment in XXXX  years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$XXXX} is the company trying collect and take advantage of an elderly person by tricking me on the phone. I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS. 


MY XXXX XXXX IS XXXX I TAKE PRIDE IN PAYING MY BILLS LIKE A GOOD PERSON. THIS IS NOT OK TODO TO SOMEONE.
Product: Debt collection

XXXX XXXX continues to call me about a debt that is not mine. They are calling the wrong person. I have told them this multiple times, yet they continue to call. This has been going on for almost a year.
Product: Credit reporting or other personal consumer reports

Lexington Law firm I have been with this company since XXXX. Since that time my credit has stayed the same. I paid them {$45.00} a month faithfully up until XXXX. This company has failed to give me any hope in reference to my credit being fixed, I have also requested information on how and what letters theyve sent to my creditors. Whenever I contact my creditors to see if they had removed the items and to see if Lexington law firm has contacted them. The creditor stated that they have not spoken to anyone from Lexington law firm I discontinued my contract in XXXX with Lexington law firm
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- $ XXXX should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX  {$0.00} balance this should not be on my report its closed XXXX balance and doesnt not belong to me. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX {$3500.00} should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, Equifax , and XXXX , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Vehicle loan or lease

I applied at Autopay.com to refinance my high interest loan now that my credit is vastly improved post bankruptcy. I fully disclosed the vehicle was under water a bit and that I was 2 years post BK. Rep assured me based on soft pull that everything " looked great ''. I made it clear I wanted ONE app submitted and if declined to discuss options BEFORE anymore apps were submitted. Over XXXX XXXX they submitted 3 applications. One to XXXX XXXX XXXX XXXX, one to XXXX XXXX XXXX XXXX, and the last to XXXX XXXX XXXX. These were fraudulent applications by AutoPay knowing that I did not qualify for membership in ANY of these credit unions. When I called my account rep : XXXX XXXX XXXX he stated he had not read the notes indicating only one app but admitted they knew about the limitation I had placed and had submitted the other 2 but had an approval for me. Did not say which lender. When I declined their expensive GAP insurance and worthless warranty suddenly another {$1000.00} in a " deposit '' would be required to do a loan. NO deposit was ever mentioned in any prior communication and only came in when I refused their hard sell add ons. XXXX hung up on me and I immediately received and email stating I don't qualify for a loan.
Product: Credit card or prepaid card

On XX/XX/2022, a balance transfer was initiated by CapitalOne to an ( XXXX Bank ). The balance transfer was in the amount of {$2000.00} paid to XXXX Bank, by CapitalOne. 
In the disclosures, it states the following : Interest and Fee Information APR for Transfers : 19.4 % VARIABLE Fee : None. 
How To Avoid Paying Interest : - Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 

I've consistently paid every balance in full each month, as well as paid this balance transfer in full. 

On XX/XX/2022, CapitalOne assessed an interest charge of {$9.00}. When contacted, they said that the interest charge would be applied immediately after the balance transfer at the rate of 19.4 %, which conflicts with the disclosure. They also indicated that interest would be charged IMMEDIATELY and throughout the next billing cycle, through the month XX/XX/2022 which has yet to be assessed. Presumably, this interest charge will be roughly {$32.00} ( based on an estimated 19.4 % APR ). Again, this interest charge should not be assessed, since the disclosure states 'How to avoid interest ' and that they : " Your due date is at least 25 days after the close of each billing cycle. We [ CapitalOne ] will not charge interest on new transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. '' I was not given 25 days before they started assessing interest. Interest was charged within the current billing cycle for the {$2000.00} balance transfer. The due date for this balance transfer is XX/XX/XXXX I have a copy of the disclosure that was provided to me at the time of the balance transfer. Had I known that the balance transfer would have been assess interest, I would not have proceeded with the transaction, since my intention was to pay the balance in full ( as I have done consistently for the last 10 years ), within the billing cycle that the balance transfer was due ( aka 'the statement period ' ).
Product: Checking or savings account

Hello, I'm having an issue with Chime refusing to reimburse me for my account being hacked. 
I contacted them within minutes of the 1st three transactions being deducted from my account, without authorization. While on the phone with the Chime member, the hackers tried 3 more transaction, which thankfully were blocked. They're telling me that they investigated and I made these transactions in in Missouri, at an auto body shop, I live in Ohio. Therefore, they can see that approximately 40 minutes prior I used my card in Ohio at a XXXXXXXX XXXX XXXX  They are refusing to help me they are refusing to do anything else. They do not want to reimburse me for my money I need help please. They can't do this to people.
Product: Debt collection

i called southwest credit systems since they are reporting a balance owed from XXXX on an account closed in 2015. Southwest credit systems has never contacted me about this debt but have been reporting and damaging my credit for almost 2 years. they have an address from 2015 where they claimed they have been sending mail when I moved from that location in 2015. southwest has had more than one account for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke to had my cell phone # because it is the same cell # I had when I had the account -- he actually asked me is that still a good # -- so they had it all along and they could have called to verify if by some strange chance they did not get the flipping memo. This company is using workarounds to report and damage peoples credit and they need to be stopped, I have rights that were violated by them not notifying me at the correct address and I do not recall EVER receiving a phone call from this agency. they need to make corrections to my credit report for not following the law.. also my address has been updated through the postmaster on my credit reports and public information if they bothered to check instead of sending correspondence to a 4 year old address -- and the balance is wrong
Product: Mortgage

I submitted a pay off offer on my loan with Shellpoint Mortgage Company 2 months or longer ago and have never gotten any kind of response. I can not move forward until I hear from them. When I call I get nothing but the run around.
Product: Credit card or prepaid card

I was approved for two store credit cards with Comenity Bank, XXXX, XXXX and XXXX and XXXX. I also have a XXXX account with them that was paid on time and even paid off early. I went to use one of the cards right after receiving and was told the account was closed due to the bank deciding I was a high risk. This then happened again today with the other new card. What they did though was report both accounts as newly opened accounts to all bureaus then closed them right away and this action dropped my credit scores by almost 20 points. I have been working for years after a bad marriage and an ex who ran up all my bills to get my credit back on track and finally had scores over 700 until this happened. I was told on the phone that the cards were pre approved and the bank had the right to take that back. I have been in the finance industry for over 30 years now and a pre approval should not be something reported on credit reports. They should not be allowed to report until a FINAL decision is made. I feel this is a horrible business practice and I am not the only one. XXXX this company and there are hundreds of people if not thousands who have been adversely affected by this poor loophole.
Product: Debt collection

Call originated from an automated caller ( ie ; robocaller ) and identified itself as an attempt by Eaton Group to collect a debt. I and my wife have been retired now for several years and have never had and do not currently have unresolved financial problems that would explain why our phone number be on a debt collector 's list. Furthermore, a brief web search of Eaton Group indicted the web site was 1 ) not available ( error XXXX ) and 2 ) associated with complaints of unprofessional collection tactics.
Product: Checking or savings account

- XX/XX/XXXX Opened Checking and Savings accounts in branch, deposited money into Checking account at the ATM as the banker suggested to verify the new debit card works. 

- XX/XX/XXXX Transfer of {$200.00} from another bank to Savings accounts arrived and posted. Intended to do this 3 month in a row as suggested in the marketing material table to qualify for the {$300.00} Savings account bonus - XX/XX/XXXX XXXX XXXX account statement came out, " Beginning XX/XX/XXXX through XX/XX/XXXX ''. 

- XX/XX/XXXX Transfer of {$200.00} from another bank to Savings accounts arrived and posted. 

- XX/XX/XXXX Transfer of {$200.00} from another bank to Savings accounts arrived and posted. 

- XX/XX/XXXX Received {$300.00} bonus, not sure if it was for Checking or Savings accounts, since it should be {$600.00} if both are qualified - XX/XX/XXXX Reached out to customer service via chat to inquiry about the bonus issue. 
- " I can confirm the checking account bonus had definitely been met '' - " I can confirm the savings account requirements had not been met, I am so very sorry. " make at least one single deposit of {$500.00} or multiple deposits totaling {$500.00} ( not currently on deposit with Citizens ) into a new savings account every month for 3 consecutives months, starting the month after the new checking and savings account are opened. '' - I pointed out the marketing material received only requires external deposit of XXXX XXXXXXXX a month into a new Savings account every month for 3 consecutive months. 
- I was told marketing research review request was submitted. 

- XX/XX/XXXX Received email from chat support team after heard back from marketing research, stating that " your savings account closed on XX/XX/XXXX due to being at a XXXX balance. The account was reopened on XX/XX/XXXX. Due to your account being closed prior to the payout date, your account is not eligible for the bonus. This was stipulated in the disclosures of the marketing materials you received. The disclosure states the customers new account must be open with a balance greater than XXXX and in good standing through the bonus payout date to qualify for the offer. If you have any further questions or concerns, please contact us via chat and provide the case number XXXX. '' - XX/XX/XXXX Reached out to chat support to inquiry about the lack of communication regarding the closure and reopening of my Savings account, also to reconsider my qualification for this Savings account bonus since at no point was I informed that the account would be closed, that it was closed on XX/XX/XXXX, or that it had been reopened on XX/XX/XXXX. Have I know that my Savings account was closed and I already disqualified for the Saving account bonus on XX/XX/XXXX, I would not have saved the money into the Saving account 3 month in a row and put those money for better use somewhere else - " Marketing will not make any exceptions if the requirements are not met according to the marketing material. '' - Transferred the balance on the Savings account to my Citizens Checking account and requested the Savings account to be closed.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Account : UPSTART ( XXXX ) I am writing to formally dispute inaccuracies on my credit report which are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). In particular, these inaccuracies pertain to reported late payments that should be reversed to reflect " Paid as Agreed. '' Per 15 U.S.C. 1637b, credit reporting agencies and furnishers are obligated to ensure the accurate reporting of consumer credit information. The inaccuracies in question are clear violations of this statute, as the information being reported does not accurately reflect my payment history.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this issue. The reported late payments must be promptly corrected to show " Paid as Agreed '' to ensure compliance with 15 U.S.C. 1637b and to protect my consumer rights.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Chase XXXX service about an unapproved inquiry I found on my credit report. I stated that I NEVER applied for an Chase credit card nor do I own a Chase credit card and can they remove this inquiry off my report. Because clearly this is fraud.. Well received an response letter date on XX/XX/18 from a XXXX XXXX XXXX XXXX XXXX  XXXX stating that " after researching the request, we found that the inquiry was valid. This inquiry was part of the process to review the application you requested on XX/XX/XXXX '' Now, like I stated before I never applied for a Chase credit card but they have chosen to ignore the fact that my complaint stated that in the beginning.
Product: Credit reporting or other personal consumer reports

I received several letters, harassing phone calls, and emails from this company trying to collect and settling a debt. The company is reporting fraudulent inaccurate information on my credit report. Ive requested detailed validation letter regarding this debt ; including the purchase agreement to show full ownership of the account transferred and other accurate supporting documents. Im trying to validate this account to see if this debt belongs to me. The company information SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TEL : XXXX FAX : XXXX EMAIL : XXXX or XXXX Reference number : XXXX Original creditor XXXX for the total Amount : {$620.00} ; settlement offer amount : {$400.00}. Also, youre reporting on my credit report the same account regarding alleged debt amount of {$150.00}. The original creditor is XXXX XXXX. ( see attachment : an email letter trying to collect alleged debt )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America sent me an email that I apply for credit card which I didnt. Later the back send Credit inquiry file to damage my credit line. I have never applied their credit card at all not sure why they send to credit report about my credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX/XXXX  ), XXXX  XXXX account number XXXX ( XXXX XXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.
Product: Bank account or service

My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

This Debt collector has not provided me proper debt validation for this alledged debt. Please delete this from my credit report.