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

I received both email and snail mail from Citi Card saying if I applied for a credit card from them before certain date, and spent at least {$3000.00} within first 3 months of the opening the account. They would give me XXXX XXXX XXXX miles. On XX/XX/2017, I applied the credit card online and used the promotion code in the mail that they sent to me. I got approved immediately. I received a confirmation mail and the physical card about a week letter. I started to use the card. However, today ( XX/XX/XXXX ) I called Citi card, and I was shocked to learn that Citi Card said I am not eligible for the promotion they promised to me because I had a closed credit card account with them within last 24 months. They said this was noted in my account on the day that they approved my application ( XX/XX/XXXX ). I asked them to show me where I could locate that note, and I was told the note can only be seen on their side not my side. The lady I talked with on the phone whose name is XXXX admitted that Citi could emphases the 24-month condition in the email or snail mail they sent to me before my application or even after I received the card, they still could notify me this, but they did not. Unfortunately, I applied the card online and there was some disclosure online about this ( which I did not recall to read it at all ) when I did the online application, therefore they can not give me the XXXX miles. I really believe Citi Card intentionally misled me, had I read any information in the email/mail or online about that 24-month condition, I would have not applied for that credit card, nor had have used that card as much as I can to reach my {$3000.00}. They could emphases that I should spend {$3000.00} within first 3 months in the email/mail, why ca n't they put all the conditions together so that I could be fully clearly informed? How could they miss such information that is so important for me to help me to make my decision? As a big company like Citi, it seems they must have done a lot of same sneaky tricks to our customers before. And they must have received a lot of this kind of complaints. XXXX seemed did not care at all when I told her that I would file a complaint about them. And she seemed immediately found the way to tell me what was the reason that they would not give that promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went to a car dealership in XXXXXXXX XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I completed a settlement agreement with Chase Card Services, ( Chase Bank ), initiated by Chase, to pay a portion of the outstanding debt related to my credit card. In return, Chase agreed to forgive the remaining balance on the account. I adhered to the terms of the settlement agreement and the account was closed and I was no longer indebted to Chase. Effectively, I agreed to Chase 's proposal, my remaining debt was forgiven, my account was closed and I now did not owe anything to Chase. In fact, my relationship with Chase was terminated at this time. 

On or about XX/XX/XXXX I entered into a refund arrangement with merchant XXXX to return an item purchased there in XXXX and they agreed to issue me a check for the refund. They mistakenly credited the refund to my closed Chase credit card account and Chase accepted the funds. The amount of the refund is {$1700.00} ( transaction id # XXXX ). 

I contacted Chase and spoke to supervisor XXXX, id # XXXX and was told that Chase would not be returning the funds to me or XXXX but would instead be using the funds to settle outstanding debt on the account. I contacted other depts at Chase ( Fraud dept, payments dept, recovery dept ) and was effectively told the same thing. I believe that Chase is not entitled to do this because, per our settlement agreement, I have no outstanding debt to Chase to settle and these funds were clearly being sent by XXXX with the intention that they would be received by me with Chase operating as my agent. These are the issues : 1. Misappropriation of funds/theft : Chase is intercepting/withholding funds belonging to me under the auspices of settling a debt that I do not owe. 

2. Fraud/bad faith : Chase accepted the transfer of funds from XXXX that were meant for my benefit using an account that has been closed for more than one year that I have no access to or control over. Chase should have rejected the transfer because the account was closed. Chase should have disclosed to XXXX that the account was closed and that the funds would not reach the intended recipient ( me ). 

3. Breach of Contract/ethics : Chase had entered into an agreement to settle the account and forgive the outstanding debt if certain conditions were met. Chase is now, effectively, ignoring that contract and re-writing the terms of it. 

I expect Chase to reimburse the funds that belong to me from the XXXX refund. In spite of my request for documentation supporting their claims, Chase has not provided any evidence in writing or contractually or through disclosures that supports their opinion that these funds belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a suspicious account opening involving my personal information to the appropriate Experian, XXXX, and XXXX personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.
Product: Credit reporting or other personal consumer reports

XXXX, transunion, XX/XX/XXXX are reporting fraudulent accounts on my credit reports attached FTC report.
Product: Checking or savings account

On XX/XX/22, I woke up to an unfamiliar charge of {$4.00} pending in my account to XXXX XXXX. I had not made a purchase at XXXX, XXXX, and verified through my purchasing history that I had not made that charge. I contacted Chase Bank to begin the fraud process. I was transferred to that department where I indicated the transaction was fraud, not a dispute. The person I spoke to indicated to me that I would need to contact XXXX directly to cancel the transaction. I brought my sister into the call, as she had experience in this department at another bank. She made it clear that the charge was fraud and the card needed to be canceled and reissued. The man continued to argue about contacting XXXX to handle this instead, before finally choosing to agree to cancel the card, credit the account, and open a fraud investigation. Initially he planned on sending the card in the total 2 week processing time, but my sister was able to empathize the importance of expediting the card. Later that day I noticed the credit for {$4.00} and assumed it would be handled. The next morning, XX/XX/22, I noticed that the credit had been reversed and the fraudulent payment was again on my account. I decided to wait until the next business day to see if it was removed again. On Monday XX/XX/22, I went to make an online payment using XXXX XXXX  with another card of mine, and inadvertently charged the canceled card. I waited for the payment to be rejected, but it wasn't. It turns out my compromised card was never deactivated. It is concerning how this was handled. Ultimately my account was left compromised for days after they were notified.
Product: Credit reporting or other personal consumer reports

Please remove fraudulently inaccurate inquires. 

The following inquires accounts are an error below Business Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : All Banks Business Name : XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Business type : XXXXXXXX XXXX XXXX XXXXXXXX. 

Business Name : XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : All Banks Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : Banks and XXXX XXXX XXXX
Product: Credit card

I opened an account with Synchrony bank for use on dental bill. Account was charged XXXX dollars on XX/XX/2024. On XX/XX/XXXX I made a payment of XXXX dollars. On XX/XX/XXXX I was charged a late fee of XXXX dollars even though a payment was made less than a month after the charge.
Product: Checking or savings account

Chase bank locked my accounts. I can not log in or access any of my accounts. This started because a friend of mine sent me money using Chase XXXX  XXXX ( about {$1200.00} ). My friend sent the money from her Chase account, to mine, and yet they locked my account because they could not verify her. She is currently on XXXX leave in XXXX and will not be back to the US for months. Chase told me they will not unlock my account until she comes to America to verify her account with them! I asked, how can you lock my account because of an issue with someone else 's account?! They could not provide any reason or explanation to me. This is a big problem for me since Chase has my checking account and money that pays for my bills and credit cards, and I can not access any of my funds or accounts for two days now. Chase also has control of my XXXX XXXX XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO / XXXX / 30 DAYS 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card

On XX/XX/17 my credit card was charged {$570.00} at XXXX XXXX XXXX When the funds were not deposited to the merchant 's checking account, an email was sent to obtain the status. The attached emails show the response from WePay which processes transactions for Chase Bank. The merchant was told that the merchant account had been closed and that the funds minus their processing fee would be held for 120 days. The merchant requested that the transaction be reversed and refunded to my credit card account. I accompanied the merchant to Chase Bank and asked that the transaction be reversed. The bank employee called and was told the same thing that is located in the emails. 

Right now, WePay is still holding the funds. Emails from Chase to the merchant are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : Cybersecurity Incident & Important Consumer Information I was one of the folks affected -- - I went to the website and this is want I got : Thank You Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.
For more information visit the FAQ page.
THIS is NOT GOOD SERVICE AND SHOULD BE STOPPED! I should not have to come back to protect my information. AND in the State of Washington there is a fee to block your credit report! 

This is crazy! 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled the resolution of my credit report. My credit report is being based off of someone elses social security number, and they resolved my other disputes on my report before resolving the SS number. My report has my full name, my DOB and my address, but it uses my brothers SS number. I sent them a copy of my SS card through their online dispute portal on XX/XX/2023. It still says on XX/XX/2023 that they have not begun investigation of that issue. I also mailed a copy of my drivers license, my SS card and a cover letter to them on XX/XX/2023. They claim that they still have not received the documentation. I lost my car to an accident in XXXX, and I am still without a car because of this egregious mistake by Equifax. I am expecting a complete and correct resolution within the next 10 business days to avoid pursuing legal action.
Product: Bank account or service

Wells Fargo Bank charged me XXXX {$35.00} Non Sufficient Funds fee 's and XXXX {$35.00} Over Draft Fee 's for Non Authorized Debits. I disputed the Non Authorized Debits and they still took {$150.00} out of another Wells Fargo Checking Account of mine without my consent.
Product: Checking or savings account

A former Employee of First National Bank in XXXXXXXX, PA has accessed my account, taken pictures of statements after printing them out, and sent to her acquittances. I made a call to First National Bank in XXXX and informed Branch Manager of activities on my account that I did not approve of and emailed her screenshots of conversation. Investigation was made and former employee was terminated the next Monday. I would like to press charges as all of my information ( name, address, phone number, account number and routing number ) was displayed on all pictures. Below you will find the names & addresses associated with this event. 


First National Bank in XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I went to the XXXX to purchase some food. I transfer the last balance from XXXX to XXXX XXXX the amount {$28.00} and it that it alway problem with collect of counting funds with both banks to keep from have money available they make yo make as I would not have enough to purchase food. So I started with closing Chase continued have problems with disputes and investigate of disputes and close the account and when I go to Bank the unable to print statements and after review my account it will lock me out my account more then once.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXX. XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX  admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, Equifax and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX is refusing to acknowledge the fact the XXXXXXXX XXXX XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX  to the XXXX XXXX stated to the XXXX  upon closure XXXXXXXX XXXX  was debited and posted to my account. XXXX. I attached the statement of that, XXXX  is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX balance sure.
Product: Debt collection

XXXX XXXX XXXX, XXXX refuses to remove a paid debt that was paid thru a Federal Bankruptcy Judge 's Order. I have notified them 3 times over the last year but they refuse to follow a judge 's order. A Civil Complaint by XXXX XXXX XXXX, XXXX was dropped in the state I live in after I sent them a copy of the judge 's order but they still refuse to take it off my credit report over a year later. XXXX XXXX XXXX, XXXX is putting intentional harm against me via reporting the Collections on my Credit Report. XXXX XXXX XXXX, XXXX does not care about my rights and they should be reprimanded via their License! 

The Attorney Firm XXXX XXXX XXXX based out of XXXX Texas is also responsible for the harmful act of negligence. They have been contacted many times but refuse to follow a Federal Court Judge 's Order. They should be reprimanded by the Texas Bar Association and have a complaint notated on the Law License. They are trying to get paid twice for the same account which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND TRANSUNION are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX  office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/2022, I made a swift transfer from my XXXX XXXX  account on wise.com with a wrong amount : XXXX USD ( instead of XXXX USD ). 
The transaction has passed and recipient has received the money on XXXX XXXX. 

I've asked the recipient for return. Recipient said he couldn't confirm my identity because the transfer is international and can only execute the return if it comes through intermediate bank. So, recipient needs to receive a " Request for Cancellation '' from wise.com 's bank. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I contacted wise.com on XXXX XXXX and tried to negotiate " Request for Cancellantion ''. Wise denied me the request to quoting its Customer Service Agreement : XXXX You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake. 

I don't see it as a reason to deny " Request for Cancellation '' because it is a common practice for swift payments. 
Is there any law that enforces wise.com to send the request? 

Bank Name : XXXX XXXX  and Trust Wise Address in the US : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States Wise 's Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX United States
Product: Credit card or prepaid card

I have had the Citi Bank XXXX XXXX for over 10 years. I received an email in XXXX that the card was being converted to an XXXX XXXX as Citibank lost the contract with XXXX. I already have the XXXX XXXX XXXX and did not need two. I called customer service on XXXX asking if I can convert it to another CitiCard which I was assured I could. I was told even though I knew what card I wanted I had to review the website to make sure I knew what card I wanted and then could call back to covert it. I called back the next day and was advised by a CSR and manager that the card can not be converted due to the fact it is a XXXX card. 

I expressed frustration that I would loose 10 years of card history on my credit report impacting my score if this happened and they showed no concern or provided information on this. I asked why two reps the previous day ( one for general cards and one with the XXXX  division who I had a question about that card benefits in which only a XXXX rep can answer with Citi ). 

Citi shows no concern for customers when they provide inaccurate financial information that now will result in a monetary loss to me due to a credit score change. Citi simply does not care about the communities they serve or providing accurate financial information.
Product: Money transfer, virtual currency, or money service

Your questions are ridiculous. The problem is your system. It will not let me link to the government agency so they can deposit my XXXX loan!!! It says they have made a change and it will not let me link it!! Can you fix this? Hurry! 

XXXX XXXX XXXX