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

Dear CFPB and Wells Fargo Representative, I am filing this complaint regarding Wells Fargos failure to issue the {$2500.00} Premier Checking bonus despite meeting all the stated eligibility requirements.

Account & Promotion Details : 1. Premier Checking Account ending in XXXX opened at a Wells Fargo branch on XX/XX/XXXX, with banker XXXX XXXX ( XXXX ID XXXX ). 
2. Promotion enrolled : Open or Upgrade to a Premier Checking Account and Get a {$2500.00} Bonus ( Promo Code : XXXX ). 
3. Eligibility at Offer Signup : The attached Wells Fargo account opening receipt clearly confirms that the promotion offer was applied to my account and I am eligible for this offer. Additionally, Wells Fargo 's system did not reject the promotion code or indicate ineligibility at the time of account opening.

Promotion Terms & My Compliance : I have attached a copy of the promotion terms, which state : " Eligibility Restriction : You are not eligible for this offer if : You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months Requirements : Open or upgrade to a Premier Checking account by XX/XX/XXXX. 
Bring $ XXXX in new deposits to qualifying linked accounts within 45 days of account opening. 
Maintain at least a {$250000.00} balance through Day 90 after account opening. '' My Compliance with All Requirements : Bonus Eligibility : My last Premier Checking bonus was issued on XX/XX/XXXX, which is more than 12 months before I opened my new Premier Checking account on XX/XX/XXXX. Please note that the promotion terms explicitly state " Premier Checking bonus, '' not bonuses for other account types, such as Everyday Checking or savings account bonuses. 

Deposit & Balance Maintenance : 1. I deposited {$250000.00} into my linked Wells Fargo Advisors account on XX/XX/XXXX ( within 45 days ). 
2. My linked account has maintained a balance exceeding {$250000.00} through today ( XX/XX/XXXX ). 
3. As further proof, I have not been charged a monthly fee on my Premier Checking account, which requires maintaining $ XXXX in statement-ending qualifying balances. 

Bonus Payment Timeline : 1. Day 90 after account opening : XX/XX/XXXX. 
2. Bonus issuance deadline : XX/XX/XXXX ( 30 days after Day 90 ). 
XXXX. Current date : XX/XX/XXXX, and I have not received the {$2500.00} bonus. 

Request for Investigation : I have fully met all eligibility criteria and followed the promotions terms precisely. Since Wells Fargo 's system did not reject my eligibility when entering the promotion code, there should be no issue with receiving my bonus. 

I request a formal investigation into Wells Fargos failure to honor this promotion and the prompt issuance of my {$2500.00} bonus.

I have attached : 1. A copy of the promotion terms.

2. Account balance screenshots showing continuous compliance with the deposit requirement.

3. Account opening receipt showing offer code is valid and is available to my account.

Thank you for your assistance in resolving this matter.

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

This complaint is regarding XXXX ( Utah XXXX XXXX XXXX  XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, serviced my student loan from XX/XX/XXXX until I paid the loan off early in XX/XX/XXXX. I never paid them late. 

In early XX/XX/XXXX after more than 30 days since I had paid off my student loan in full, XXXX was still reporting to Experian, XXXX  and XXXX  that is was an open trade line on my credit report, with a balance. I contacted XXXX on XX/XX/XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XX/XX/XXXX to dispute the account with Experian, XXXX  and XXXX  even providing them the copy of the letter from XXXX ( XXXX XXXX ) stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the XXXX account status changed on both my XXXX  and Experian credit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was XXXX  month revolving loan, that it was opened in XXXX, and most upsetting it shows there was a late payment of 60 days past due in XXXX XXXX and 90 days past due in XX/XX/XXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; XXXX. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF. 
2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXX AND 90 DAYS XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH UHEAA DID NOT EVEN SERVICE THIS LOAN UNTIL XXXX OF XXXX WHEN THEN BOUGHT OUT XXXX XXXX XXXX. ( I HAVE ALSO CONFIRMED WITH ACS THAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE XXXX TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE XXXX FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD XXXX LATE PAYMENT THAT DID NOT HAPPEN. 

I have contacted XXXX several times via telephone. each representative has told me they system shows it paid closed, at a zero balance and no late payment were ever made. 

Experian has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what XXXX is reporting. 

XXXX  shows the same information as Experian does, however XXXX  does not. XXXX   is showing correctly with not late payment for XXXX.
Product: Mortgage

We pay tax directly to our town. My wife forgot to pay tax man in late XXXX and early XXXX. When I was notified I sent BOA a payment for XXXX in XX/XX/XXXX to get us back on schedule. BOA has been screwed up ever since. After I finally got a person to return our call she ended up asking for us to send her XXXX and they would refund it. We said OK but need this in writing. She ( XXXX ) said they can not put anything in writing to us. Im concerned that they are going to keep this madness going for another year. We have made all tax payments and mortgage payments and need BOA to release us from XXXX payments. All of there branches are closed in NJ and no one can fix there computer problem. They acknowledged that they can see the tax collector has returned 3 quarterly tax payments. They are threatening to take our house and refuse to stop. Help us help them!!! We have not missed a payment in over a year and it was an error. Have been with BOA since XXXX. Help XXXX XXXX XXXX
Product: Mortgage

Mr Cooper refuses to eliminate my PMI as requested. I am well over the 78 % threshold and never missed a payment since I purchased in 2019. There is no need to continue collecting mortgage insurance as I have proven for the last 6 years I am not a risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the victim of identity theft and I dont recognize the account XXXX is reporting on my Chexsystems and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to Chexsystems and XXXX XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX . They have 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 a account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open unsecured loan open with America First. and a line of credit. I called in and made a payment towards my unsecured loan. When i make my payment over the phone i usually do another bank institution. by doing this they usually deposit the funds to the savings account then move the funds to the loan. End of XXXX i called in to make my usual payment, for whatever reason this time it was a bit different, rather then instantly going through the system had alerted the agent it was gon na take two business days for my XXXX $ to post. i had deposited XXXX. XXXX $ for my loan and XXXX $ for the line of credit. they notified me to keep an eye out and when they post to just move funds where i need them to go. the next morning i noticed all my funds had moved to the line of credit. when i noticed that error i called into the customer service and explained what had happened. they were able to verify my story by remarks by the previous agent. they had removed the XXXX from the line of credit and applied it to the loan. i thought everything was ok and everything was cleared. a few days later beginning of XXXX i noticed on my credit report it said i had a closed account, i thought it was a bit odd as i didnt request to close any account i was aware i had open. I went to go check my credit and it seems like by america first removing the XXXX it had made my line of credit seem as i was past due since XXXX XXXX XXXX The bank sent it off write to charge off account and collections without reviewing the details of my account payment history first. when i called to complaint of them closing my account the agent noticed i had made payments every month and wasnt sure why it was closed. its ruining my credit and has caused me to drop XXXX points becaus of there mistake
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Subject : Late Payment / ReposessionNotification and Assertion of Consumer Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute late payment entries and repossession currently reporting on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ).

According to my credit report, there is a late payment entries listed for accounts XXXX  XXXX XXXX with late payment entries and repossession entry for XXXX XXXX XXXX However, I would like to bring to your attention that these late payments and repossession are inaccurate and unjustified. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate these late payment entries with repossession and provide me with the following information : 1. Verification of the accuracy of the late payment entries with repossession including proof of the alleged late payment and current repossession. 2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments and repossession. 
I expect a thorough investigation into this matter and request that you provide me with a written response as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. 

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response. 
XXXX XXXX
Product: Checking or savings account

opened an account with {$100.00} sign up bonus if you deposited {$100.00} and completed a bill payment of {$25.00} to a cell phone/internet service provider within 60 days. Confirmed details via secure message. I completed activities on XX/XX/18 and its been over 90 days and I have not received my money
Product: Checking or savings account

Hello Sir, I have lost {$1700.00} my money from my savings bank account. I am a bank of america customer. 

Someone just added as a XXXX  recipient and made two un authorized transactions. The moment i got a mail about someone added to my XXXX   transfer account, after few seconds recievied another mail, says {$900.00} sent to XXXX XXXX. after that i got another mail saying {$850.00} sent to XXXX XXXX. 

after 5 seconds, I realized this is a fraud transaction and called bank of america fraud claims, and filed a fraud dispute. 

now bank of america people saying that those transactions made from your device only. so we wont be able to do anything about it. 

I lost {$1700.00} of my own money because of bank of america security  issues. 
I want my money back. 
Please help me with this.
Product: Checking or savings account

I never applied with this company. This company took money from my checking account. And now Bank of America employees treat me with no respect
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES AND NAMES AS I HAVE NO KNOWLEDGE OF THEM ACCORDING TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. US DEPT ED XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay. 
2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.
Product: Student loan

It XXXX accounts that were open in my name that I didnt attend college. These are the amounts XXXX. {$7500.00} XXXX. {$7100.00} XXXX. {$6800.00} XXXX. {$6200.00} XXXX. XXXX XXXX. {$3300.00} XXXX. {$2400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> I am kindly requesting that all of these inquiries be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors.
Product: Credit reporting

XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. ONLY XXXX HAs corrected this error
Product: Credit reporting or other personal consumer reports

Hello, I recently sent Late payment removal letters and Charge Off Removal Letters to XXXX, Equifax, XXXX and the creditors requesting to remove late payments and Charge offs off of my consumer report. I sent out the Late Payment removal letters to the consumer reporting agencies and they have all came back as Return To Sender and undeliverable. The Charge Off Letter requesting a 1099c for my tax return to the credits also came as Return To Sender. I sent out a letter to the consumer reporting agencies XXXX, Equifax and XXXX letting them know that they are furnishing inaccurate information on my consumer report and that they had 5 business days to respond. They have failed to do so. 

I sent out the Late Payment Letters on 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 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 Doesn't show amount Charged Off- XXXX XXXX Im asking consumer reporting agencies to please have the late payments deleted from my consumer report because I sent out the letters and they came back as Return to sender and Undeliverable. Also asking for the Charge Offs to be deleted off of my consumer report. I requested a 1099c to file on my tax return and the letters came back as Return to Sender. I sent out letters to the consumer reporting agenices notifying them that they are furnishing inaccurate information on my consumer report and that they have 5 business days to respond. They have failed to do so. These accounts are Unverifiable. I have Attached copies of the Return to sender Cards .Thank you!
Product: Mortgage

I paid off my loan in full with Specialized Loan Servicing on XX/XX/2020 from an insurance check. My house burnt down in the LNU fire in XX/XX/2020 the insurance company sent the entire insurance policy to the lender to pay off the loan. The lender was to return the remaining amount over the loan pay off the lender has not returned the money the amount due is {$860000.00}. They keep saying they send and provide the check number but it has been 62 days and no check has arrived.
Product: Credit reporting or other personal consumer reports

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, On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 4. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report.
Product: Vehicle loan or lease

I began calling Nissan back in XX/XX/XXXX when I fell behind on my payments due to Covid. Unfortunately I was never able to reach a representative,. After many failed attempts, I finally sent them a certified letter on XXXX XXXX requesting direction and offered to continue making my payments. According to my credit reports, the loan now reflects a higher balance, late payment history and that the account was charged off and allegedly sold to another party. On XX/XX/XXXX Nissan responded to my letter claiming they are unable to locate my account? How is this possible when they continue to verify the disputed information with the credit bureaus. On XX/XX/XXXX I sent another certified letter to Nissan demanding resolution. Nissan has failed to respond.

I have been denied the opportunity to resolve this account which is continuing to have an adverse impact on my credit rating. I still have the vehicle and I am willing to honor my loan payments. I am respectfully requesting that your office require Nissan to respond and offer a amicable resolution which include correcting my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a loan of {$4000.00} on Monday XX/XX/XXXX and having a good score was decline, and the reasons were that TransUnion use my information and requested some promotional inquiries with 6 difference companies when i never give permission.