23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I went to https : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do and saw a promotional offer advertised with the following terms : {$500.00} cash back if spend {$4500.00} in 3 months. 

I have proof that on XX/XX/2022 the website advertised this offer via XXXX. See : XXXX XXXX XXXX : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do I clicked the apply link and applied for the card. I spent {$4500.00} in 3 months. I never received the bonus. I called to ask why I did not receive the bonus, I was told that when I registered for the card no such bonus was applied to my account. I asked for them to fix it, and some days later received a letter stating : " We are unable to change your enrollment offer '' Please consider the date of the archive.org snapshot that displays an offer of {$500.00} cash back on XX/XX/XXXX, and consider the PDF of email dated XX/XX/XXXX stating that I have signed up for this exact card. 


I am due {$500.00} cash back. This is false advertisement.
Product: Checking or savings account

I am a Rep payee and when I want to set up the account for my godson and myself, I was tool through the employee at Truist bank in XXXX, Pennsylvania, that no money would go through if it would take my balance past zero or if I had a zero balance, nothing would go through. I even confirmed this with her before I left. Well, $ XXXX laterout of my pocketto cover their charges for money that were never to go through. It took days for checks to go out, so I canceled them through the app-example : Name : None, Amount XXXX et al because there was no way to delete them. Not only did the checks go out, they went out every month!!!! How? I dont understand how they could do that!! When I first requested her to cancel these checks on her end, she told me that she couldnt. I had to close this account and open one elsewhere with no problems whatsoever. I am still out over {$400.00}! They started ignoring my requests and letters when I still was banking with them.
Product: Debt collection

XXXX from Sage Capital called about a {$150.00} debt from XXXX XXXX for my youngest child from a while ago. XXXX had all of our birthdates and our address. I have paid all our bills from XXXX as they came and we had nothing in collections with them. I notified them of this. XXXX did not provide the date of service or any information about what the bill was for. I also notified them that I hadnt received any bills or written communication from them or XXXX. And I informed them that I would be calling XXXX to deal with any billing directly. XXXX left me a call back number of XXXX. I have since called XXXX and they checked under every single family member and we do not owe them anything and have a XXXX  balance.
Product: Debt collection

Credit Protection Association began reporting a XXXX XXXX collection of XXXX in XXXX XXXX. As I have no legitimate debts to XXXX, nor XXXX, whom XXXX acquired the account from, nor have I received any bills to suggest otherwise. There was an unexplained increase to the bill once XXXX took over but that was adjusted after complaint to XXXX. I have disputed the collection to the various reporting bureaus. Oddly, the company has responded to the disputes differently for each XXXX. While it was deleted from XXXX, it was verified as accurate to XXXX. I 'm no expert on how credit reporting works, but common sense would tell me that if a debt is n't valid in one place, it is n't valid at all. So how are they able to report it differently?
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report I have two child support showing on my report. Both accounts are closed and both accounts are reporting off an error of my social security number is incorrect. 

STATE OF MI OFFICE CHI XXXX STATE OF MI OFFICE CHI XXXX XXXX
Product: Credit card or prepaid card

I received an invitation to apply for the Comenity Bank PlayStation Visa credit card. I have excellent credit ( XXXX credit score as reported by XXXX ). The application was approved, I received the card. I then activated and used the card for one purchase. Within 2 weeks, before my first payment even being due, I received a message from Comenity Bank stating that my account was closed due to an XXXX report and the " number of inquiries on your credit report ''. 

I contacted XXXX and asked about my credit report and the number of inquiries I had on it. They informed me the ONLY inquiry on my credit report in the past 2 years had been the 1 inquiry from Comenity Bank when I applied for the credit card from them. 

I then contacted the bank and asked them about this and they said they didn't need a reason to close my account. I then asked why they used the " number of inquiries '' reason in their written e-mail about them closing my account and they just repeated that they did not need a reason to close my account. 

So they have hurt my credit standing on two different fronts. One, they did inquire on my credit report, which I know too many inquiries is bad. Then they approved my application only to close it without reason. I'm sure that is not going to reflect well on my credit. Getting a new account that is closed in a matter of weeks of it being open by the credit card company. 

I am not sure what their gain is here. Why would they send an invitation for me to apply for their credit card, ask about my credit situation, approve my account, send me the card and let me activate and use it. Then they get a report stating that they did ask about my credit situation and close my account because THEY asked about my credit during the approval process? 

What I did notice was multiple posts on their XXXX account with other people saying they are lowering their credit limits and also closing their accounts for no reason and hurting their credit standings also. So why are they purposely trying to ruin people 's credit?
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent out dispute letters to all of the credit companies that inquired about my credit a dispute letter asked them to supply me 1.With a detailed list history of payments 2.i want to see the signature that I put on a contract stating I would pay this creditor 3.Am asking to see if there have been any insurance claim found on this debt 4. I want proof that you have the Chain of title to collect on this debt or run an inquire on the credit report.
Product: Mortgage

We were offered to participate and utilize the COVID 19 forbearance payment relief. We had to utilize this program and now we are ready to resume payments and even sell our home due to the other financial hardships we have encountered. We contact Wells Fargo to see how much our balance is so we can proceed with a offer to buy our home. What we find out is astonishing and shocking ... ... .so the payments were deferred under the program and now we have a second loan amount that is equal to the payments that were deferred added to our loan payoff. But it gets better ... ... now they want to add this additional loan so we can pay back our missed payment ... .but the balance of our loan is actually higher than it was when we originally bought our home in XXXX of XXXX. The banks just don't lose huh??? It is like they figured out a loop to make sure that despite the US Governments attempt to help out citizens during this pandemic, IT WON'T COST THE BANKS A DIME. THEY WILL GET THEIRS!! We owe more than the original balance before a single payment was made?!?!?!?! The person at Wells Fargo said we had options to foreclose, short sell, pay in full all deferred payments, or make a payment and the second loan would be automatically added and set up. It would have been better for us to just deny any recovery of our mortgage ... ..then quickly list it and sell it. Our home has an offer on it and it has been on the market for 11 days. This option they did to us cost us over {$33000.00} and now we are not only financially impacted hugely by this ... .but we now find ourselves in a position of having a balance on our mortgage... in XXXX of XXXX ... .. with a higher balance that when we originally got the loan in XXXX of XXXX. HELP PLEASE!!!! 

PLEASE EXPLAIN HOW THIS HELPED AMERICAN CITIZENS??????
Product: Credit card

On XX/XX/year> I purchased a dishwasher from XXXX XXXX, and paid for installation and take-away of old appliance. Though the dishwasher was delivered ( and sat in my dining room for months ), it was never installed nor was the old appliance taken away. Each time I scheduled the installation, a new installer arrived, giving a new and different excuse as to why he couldn't or wouldn't installed the dishwasher. Lacking any success, I hired a plumber to install it and called a junk company to remove the old machine from my property. When the bill came, I deducted these expenses from the total and filed a dispute with XXXX XXXX regarding their lack of responsibility. Meanwhile, I wrote to CitiBank to notify them that I was disputing the charges. Meanwhile, my dilemma became known to others and I found other elderly females who experienced the same thing. XXXX XXXX had found a method to sell a product, promise installation and take-away, but never complete the service. I wrote to XXXX XXXX at their corporate offices informing them that I am not the only one who has been scammed. After months of writing letters, I finally connected with the Executive VP of XXXX XXXX who paid the disputed amount and sent me a letter of apology. Citibank gladly accepted the amount that was in dispute, but refuses to to dismiss their late fees and interest charges. Over the last 6 months, Citibank has continuously charged late fees ( each month the amount rises ) plus interest ; in addition they have notified the Credit Bureaus of the defunct amount causing me to lose my perfect score. XXXX XXXX paid Citibank the disputed amount, but refuses to pay late fees and interest. Neither will I. If an amount is in dispute, it should be held dormant until a resolution is reached.
Product: Credit card or prepaid card

CFPB team please review Citibank issued Credit card ( Citi XXXX Anywhere Business Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees for XXXX in the amount of {$120.00} per year and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant up to 4 % for all my usage. My XXXX annual fees was {$120.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi XXXX Anywhere Visa Business card XXXX XXXX in Fuel Rewards Cash Back was earned until XX/XX/XXXX. Closing balance for XXXX had accumulated up to {$90.00} Fuel Rewards Cash back. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested {$90.00} credit on my account + {$170.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying XXXX annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Product: Credit card

This is now the second time Ive had to reach out in a different way about Capital one closing my account. THIS TIME ITS BOTH OF MY ACCOUNTS. I submitted a payment to pay off my balance and they issued a credit which typically means the payment was successful. This was not the case and capital one closed my accounts. I reached out because I just got the account back opened after the first issue I had and they tried explaining that there were several payments made and returned which I believe is fraud. They told me there was nothing they could do and that my accounts are all permanently closed. I have reason to believe I am now being targeted by Capital one after making my first complaint and this is the reasoning behind my account closure. Im am trying to by a house and establish credit and this company and putting a great stress on my shoulders by constantly ruining everything Ive been building.
Product: Money transfer, virtual currency, or money service

my paypal account is permanently restricted, i don't know what the cause is, as long as i use paypal, i only receive payments from fiverr, i have never cheated once
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My mortgage was acquired by flagstar in XXXX of 2018! My CDC disclosure states that my payment was for taxes, principal, mortgage insurance because of the fha loan, and my home owners insurance. My payment when purchasing the house was XXXX. I had a tree limb hit my roof causing a leak, so I called my insurance company and they told me I no longer had insurance with them due to non payment. So later on I gave them another insurance policy where they defaulted due to non payment from my escrow! They charged me the money that I was paying for, but when I got my next statement it put my payment to XXXX. So I paid that for 6 months after they told me it was fixed! And it wasnt they defaulted on my payments again. So I called and got another insurance company which was all state, and gave them the policy number. 6 months later they call me and say I defaulted again. Thats 3 companys in a year and a half. My mortgage then went to XXXX! They still have not fixed it and Im going into foreclosure process!
Product: Money transfer, virtual currency, or money service

XXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was incarcerated. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a Citibank cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXXXXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither Citibank, XXXX XXXX nor XXXX 's will give me any updates on the investigation.We have solid evidence that neither my XXXX nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, XXXX months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Vehicle loan or lease

I have called repeatedly about my loan payoff since XXXX. XXXX # XXXX. I got a payoff balance which I immediately paid electronically. Then sent paperwork. Received another bill, called and they said they never received my paperwork and now there was {$49.00} due. Spoke with a nice lady who told me to just email my paperwork in to expedite since there was an error. I immediately made the {$49.00} payment electronically and sent in the paperwork via email as requested. I called a week after and spoke to a woman who said the paperwork was received and I should receive my title in 2-3 weeks. My registration expires at the end of XXXX and I have an offer to sell the car and just need the title. I decided to be patient and wait the 2-3 weeks. 4 weeks later I get a bill for {$0.00} in the mail which is odd because the loan is paid off so I call and a woman puts me on hold and then disconnects me. I call back only to have someone tell me that I should have made the payment via certified check and mailed the paperwork. I said they were trying to expedite since this has been going on since XXXX. She said basically I didnt follow procedure even though I did what the previous agent told me and that my payment didnt count but they would try to make an exception but it will take 4 days and another 7-10 to mail. This means I cant sell my car by the end of XXXX. I have leased cars for years and never dealt with this level of disregard for customers. Its truly astounding that you can pay off a car in XXXX and not get sent your title for almost 3 months. Thank goodness I didnt need to sell my car right away because I would be in a really bad spot. US Bank should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Debt collection

I read a communication from TSI, dated XX/XX/year>, that contained a apartment lease as verification of debt. Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested TSI to provide me with the following information : XXXX. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable. I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXXXXXX XXXX XXXX allege account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.