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

I saw a promotion to receive {$500.00} after opening a US Bank Business checking account by XX/XX/. The promotion states I must deposit {$3000.00} within 30 days of account opening in order to receive the promotion. 

I went to my local US Bank branch XXXX XXXX XXXX and opened a XXXX XXXX XXXX account with an opening cash deposit of {$100.00}. The account was opened, I received login but the bank to bank transfers on their online portal was XXXX. I was sent an email by US Bank to make a deposit to activate the account by emailing XXXX with the deposit form which included XXXX and Routing info or to mail it to their po box XXXX I emailed the form on XX/XX/XXXX. On XX/XX/XXXX I received an email back stating the routing number was incorrect ( I left off a digit ). I corrected the form, emailed back XX/XX/XXXX and am still waiting till this day ( XX/XX/XXXX ). I emailed again today. 

I believe they are intentionally delaying responding so that they go past the 30day window so that they won't have to pay out the {$500.00} signup bonus. I see this as a form of fraud to get new deposits by using advertising one thing but not following through or purposely making it impossible to get by no fault of my own. 

I believe after the 30 day window passes, they will likely accept my {$3000.00} deposit and will try and get customers like me to keep it there for 60days and then fail to pay out the {$500.00} because the money was not deposited within 30day. 

Can you please investigate this?
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a of a rental/ leasing creditor account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and an installment opened at Career XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The fraudulent inquiries are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and 2 under XXXX. Ive attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been a Bank of America customer for over a decade, and my wife has been XXXX for longer than that. I was pre-approved for a mortgage by XXXX at Bank of America in XX/XX/XXXX of this year. I was very up front about my income XXXX salary, bonus, cash, stock, etc. ) which did not change through the underwriting process. Over XXXX weeks with very limited communication from underwriting, XXXX assured me that I did not need to apply with another bank ( where I had been preapproved as well XXXX and that this was going to work out. The only reason I applied with Bank of America was the competitive rate and your assurances that the loan would close. 

In an email from XX/XX/XXXX, XXXX told me that she checked on Bank of America 's treatment of my bonus income and " we should be fine. '' When I called her to follow-up, she told me that she had spoken with the loan processor and even though the bonus was down in the most recent year, the underwriters would take an average of the last XXXX years and we would be fine. 

In actuality, she informed me on XX/XX/XXXX nearly a month later and just 10 days before close that the underwriter would not use an average and would actually not give me credit for any bonus at all even though I was preapproved, none of my information changed, and we had talked about the declining bonus specifically and she told me it would be OK. She also told me in the XX/XX/XXXX email that I had to pay off my car loan, which I did on her advice, but it was not necessary because Bank of America never made the mortgage loan. In the end, I nearly lost the house, and incured thousands of dollars in extra closing costs. 

Adding insult to injury, Bank of America charged me {$870.00} in fees on XX/XX/XXXX, which I do not believe is fair, as I would have never applied with Bank of America if I had not been preapproved by XX/XX/XXXX and assured along the way by her that Bank of America would be able to close my loan. 

I ca n't tell you how frustrated I am by this, not because I was not approved, but because I provided everything up front, was told it would work. I had other options, but I went with Bank of America as a customer given the preapproval and repeated assurances that things would work out. I almost lost the house and was charged fees by Bank of America for this disservice. 

I am asking that Bank of America reimburse the {$870.00} in fees I was charged, as I would not have applied with the bank if I was not preapproved and assured it would close. I asked XXXX by email to reverse the fees, but she told me that was not Bank of America 's policy. I emailed her XXXX XXXX twice to review the situation but never even received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, Equifax, and XXXX  and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

I was going through a fraud claim with my Chase bank being hacked, and XXXX being hacked for {$500.00} on XX/XX/XXXX, talked to an representative there at chase and they reported/cleared all pending transactions that were not supposed to be from me. Somebody canceled my phone service ( XXXX ) and kept my number so they got every verification code, And got my email. Around that time I had a payment coming out of my chase for my insurance bill with XXXX that was recurring, and the amount of {$660.00} was taken out for the next 6 months for my insurance. Weeks go by with me thinking I have insurance on my car because my money was never put back in my account of {$660.00} and I get into a car accident that totaled my car and now Im seeing that something went wrong with them canceling my payment. Ive gone months with this missing amount of money from my XXXX and a fee from XXXX being taken from my account and not put back. Now I have a unpaid for totaled car because I didnt have insurance because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A REQUEST FOR XXXX XXXX XXXX XXXX LOCATION OF SOUTH FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX 2 ) XXXX  3 ) XXXX XXXX. LOAN # XXXX  PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Product: Credit card

I received a letter from American Express dated XX/XX/XXXX  stating, " We wanted to let you know that after a recent review, the credit limit on your account has been reduced to {$1600.00}. The cash advance limit is {$200.00}. '' My credit limit prior to this was {$6000.00}. 
Their reasoning : " We made this decision for the following reason ( s ) : Your XXXX Score ( see below ) * Based on your credit report, you have too many requests for credit '' The reason for the credit request is because I recently did a cash out refinance on my home and had to do some renovations that included new flooring, a new HVAC system, a new water heater, and painting. For these renovations to be done the companies had to finance the work until the cash out funds were available to be used. So, my credit naturally would decrease due to refinancing and open accounts for the renovations to happen. However, most of the accounts have now been paid off and some that have significant payments being made to pay them off soon. I was confident my credit would be restored quickly. 

My complaint is that I have never had an issue with Amex or any of my other creditors at all and for Amex to stalk my credit and simply drop my limit is unfair to say the least. I have never been late, never surpassed my limit, and always stayed within 10 % -30 % of my limit to stay in good standing. I have been an excellent consumer and would have at least like to have been contacted about maybe the reason for the new open accounts. 
Due to American Express dropping my limit they have made my credit score drop even further on top of the temporary drop due to the new accounts. What would have been a temporary drop in credit has now been made even worse by American Express. My score decreased by XXXX points or more. I have proof of this from my credit monitoring platform. 

I tried working this out with Amex first. I first did a chat on XX/XX/XXXX  with American Express and was told the same thing as the letter they sent me and then they tried to do a limit increase request which if course was denied. Then I called on XX/XX/XXXX  to speak to a manager and the solution was to send in my bank statements to appeal. That solution was unacceptable! They did not ask for statements when I opened the account and they did not ask for statements when they dropped the limit. I was then told that they have no authority to override the decision. 
All of this feels like an egregious violation of privacy and consumer discrimination for baseless reasons.
Product: Vehicle loan or lease

wells fargo upon me calling the cpi administrator and being transfered to wells fargo hung up on me for no reason and never called me back the bank 2 times and the administrator 1 time. It was no question on purpose and thats wrong. I was asking for outside mitigation which they were just transferring me around to be jerks. I am really tired of this XXXX and wells fargo I am thinking with all the lies in the letters from them and them using the federal mail to have those lies sent to me. 
XXXX. Frauds and swindles. 

Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
Maybe the post office needs to be brought into this. Seems a few more wells fargo folks need to go to the big house and 30 years is about right. Maybe you would sooner follow the agreements you made and do that with the others going thru the very same as I. There is a complaint form online and I shared this idea and one more so keep treating us like the trash you are wells fargo.. I demand you follow the letter of the law and start acting like a adult and not some type of clan of thieves.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

In early XXXX. I requested a refund on an airline ticket from XXXX. The gentlemen asked me my debit card number to return the funds, they then used XXXX to take approx. {$2000.00} out of my checking account. Fifth Third Bank says There nothing they can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which, to my understanding charge off accounts should NOT include an active payment history. Need I remind you this falsely manipulates the statue of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX Account # XXXX Also please take into consideration that according to the IRS website a charge off is considered ordinary income which means that this is an inaccurate account furnishing on my credit report and I have proof of why it should be gone. It's cancelled debt and the company has filed it on their taxes but are also reporting it on my credit report as debt. If a charge off is considered ordinary income how could it be furnishing on my credit report as debt? The IRS website mentioned that the company was supposed to send me a 1099-C form so I can file it on my taxes as income. This is a violation of 15 USC 1681 ( e ) ( b ).
Product: Checking or savings account

I have hard copies of paperwork to support the following. Bank of America still owes me {$100.00} and interest. The money has seemed to disappear but there is a paper trail. The checking account money has not been gaining any interest since XX/XX/XXXX because BOA placed a stop payment on check # XXXX from my Joint Checking Account owned by XXXX XXXX XXXX & XXXX XXXX XXXX Checking Account # XXXX XXXX XXXX. I believe they are mixing the joint checking funds with XXXX XXXX Funds Account # XXXX Estate of XXXX XXXX Here are the facts : There are no Bank of America branches open within driving distance of my address XXXX XXXX XXXX XXXXXXXX XXXX 

I had a joint Checking account with XXXX XXXX XXXX # XXXX XXXX XXXX With {$100.00}. 

My partner died on XX/XX/XXXX. On XX/XX/XXXX, I called and asked to close the account and send me the money. I still live at the same address as on the account. I received a check # XXXX in the mail with both XXXX XXXX XXXX 's name and my own. I was unable to deposit or cash the check. I received paperwork from the XXXX Department so I sent them the check back and requested them in writing to issue me one in only my name. After 3 calls to them, I learned they copied the check and placed it in XXXX XXXX File. XXXX. 

BOA also placed a stop payment on the check. I asked them in writing and over the phone to send me a new check with only my name ; XXXX XXXX XXXX it was a XXXX Account after all, so either one of us could rightfully withdraw the funds and cash the check. But a check with two names must have two endorsements to be cashed and XXXX was XXXX. I told the customer service people that my address is the same as listed on the account. To date I have not received a second check with my money. I have made numerous calls only to wait needless hours being switched back and forth between the checking account department, the XXXX Department. and the Official check 's Department. no one seems to take ownership of my problem and get it resolved. On my last call to BOA, The Checking account department customer service agent actually told me they could not issue a check from a closed account with a XXXX balance. So now my money is lost? 

Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went into Amscot Financial Services to cash an personal check. I was surprised they do not have restrooms for customer. And they are open 24 hours I spoke with XXXX supervisor on duty at amscot XXXX  location she said to call corporate at an XXXX number. I then proceeded to cash an personal check. And a teller at the window ask me a line of questions. If this is an payroll check, Do you work for that person, what is the phone number for the person who wrote the check. I said it is not my information to give out. He did not cash the check.i called the corporate office and spoke with XXXX who is the supervisor on duty .I addressed the restroom issue.and she looked up the reason why the check was not cashed she said because of contact information no phone number. I said her contact is her mailing address on the top right of the check. That was not satisfactory for Amscot in result i did not get the check cashed, also XXXX said XXXX XXXX XXXX did not have restrooms for costumer. which is not true. Completely unprofessional. And uncalled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. i request you verify these items that you are reporting in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.
Product: Checking or savings account

On XX/XX/2024 Four unauthorized charges were made without my permission or knowledge. My identity was stolen and the person made the four charges with my debit card information through XXXX XXXX to be transferred to a foreign country. I filed a claim with the bank to let them know that it wasn't done by me or my parents. After a few days the bank sided with the criminals. I'm a XXXX person who makes XXXXXXXX XXXX  a month on social security XXXX. I called the police and filed a report. I called the ftc, I called the FBI. i locked down my credit report, i bought XXXX to monitor my identity and to protect me and my family. My parents are in their XXXX and we share this account. My XXXX is broken that we were exploited and then blamed for something we had nothing to do with. We never gave our information or authorized these fraudulent transactions. We depend on that money for medication and food and utilities. This loss will set us back for awhile. I hope you can help us get our stolen money back.
Product: Checking or savings account

I was doing the XXXX app and was trying to pair my bank with them and it wo n't do it at all
Product: Debt collection

I sent a letter to RentDebt Automated Collections , LLC. Requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relationship with Rentdebt Automated Collections LLC. i am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
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. My request for the correction and removable of the inaccurate information about my accounts has been diligently neglected by the credit bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the fallacious information about my accounts is still on my reports. Therefore, the credit bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Synovus Bank account is still reporting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.