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

I opened a Citi bank package with {$400.00} + {$100.00} welcome bonus onXX/XX/2019. All the requirements were meet by XX/XX/2019. It has been over 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. Here are more details. There are two requirements to earn {$400.00} + {$100.00} bonus. The first requirement, for {$400.00} bonus, is to keep more than {$15000.00} new funds over 60 calendar days, which was fulfilled by XX/XX/2019. The second requirement, for {$100.00} bonus, is to receive the direct deposit for two months, which was fulfilled in both XXXX and XX/XX/2019. Please ask Citi to post {$500.00} credit as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to my information being involved in XXXX, XXXX, and Transunion data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.
Product: Debt collection

I evidently owe close to 800 dollars to Comenity Bank for a place called XXXX XXXX. I was reported to their collection agency and they have my phone number and address, yet have been calling my XXXX XXXX   mother every week! The man that my mother spoke with today told her what my debt was for and how much I owe, while trying to get her to pay my debt, which is illegal! I have asked these people numerous times to not call my sick mother, but they continue to do so and keep harassing her! These people have over-communicated to the point of harassment and it will stop! They already gave out my debt information, which is illegal and I will sue if this doesnt stop! I was also threatened which is also against the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust Bank has violated the Truth and Lending Act 15 U.S. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my XXXX  consumer report which is hurting my chances to get approve for credit. I have not received any letters from Suntrust Bank regarding late payments nor repossessing. This is reported in error.
Product: Credit card or prepaid card

I signed up for the American Express Blue Cash Preferred card on XX/XX/2019. I signed up after clicking an internet link that I believe promised the following terms : A. first year annual fee waved, then {$95.00} thereafter B. A {$300.00} rewards bonus after I spent {$1000.00} with my card in the first three months. 

When I contacted the company via their website chat feature, they said I was eligible for neither of these terms. They said they would open an internal investigation and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information listed on my credit report including at one point an incorrect social. I have called and written to dispute this information with no resolution. The following information is listed incorrectly XXXX XXXX XXXX, XXXX XXXX XXXX, chapter XXXX bankruptcy, chapter XXXX bankruptcy, state of alabama human resources. Also the following names are listed incorrectly XXXX XXXX, XXXX XXXX. The following addresses XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX
Product: Credit card or prepaid card

I applied for the XXXX XXXX via Wells Fargo on XX/XX/22. I have credit monitoring, which specifically states to call me if credit is applied for in my name. I never received a call from Wells Fargo. Instead, I received a letter stating they was not able to verify my identity and needed to fax them or mail my personal information ( Driver 's License, SSN, Proof of Address ), and my application is in a pending status. I faxed in my information on or around XX/XX/22. I called on Wells Fargo on XX/XX/22 to confirm if my information was received. I was informed it was and placed on hold. Before I was placed on hold, I informed the XXXX that my application was in a pending status, so my credit should not be ran again. The XXXX returned to the call and informed me I was approved. The XXXX provided me with information regarding when I should receive my card and we ended the call. Due to having credit monitoring, I received an alert soon thereafter that my credit report had been ran again my Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sent a letter stating they were stopping all collections on this account and it has been deleted from XXXX and XXXX but experian will not delete the account falter submission of the letter from the creditor and proof that it has been deleted from the other credit bureaus. Also submitted proof that other collections accounts have been deleted from my XXXX and XXXX reports but experian still has them on my report which is keeping my score 50+ points below what the other reporting agencies have. Ive submitted this prof in a dispute To experian and theres still no Change
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) 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.

I am filing this to report a fraudulent account appearing on my consumer FICO TransUnion credit report, which I do not recognize and which is the result of identity theft and fraud. This account, consisting of an auto loan opened at XXXX on XX/XX/XXXX under account number XXXX, has resulted in several fraudulent hard inquiries and collections. The fraudulent hard inquiries include XX/XX/XXXX : XXXX XXXX, XX/XX/XXXX : XXXX, and XX/XX/XXXX : XXXX. Additionally, the fraudulent collections and related information appearing on my credit report include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I demand that these fraudulent items be immediately removed from all my consumer credit reports and that all collection activity related to these items cease, pursuant to my rights under the Fair Credit Reporting Act FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

Requested an accurate precise account of my Escrow account disbursements from WellsFargo but the lender 's response was unsatisfactory. In XXXX - Out of the deposits to my Escrow in the amount of {$8700.00}, a total of {$7000.00} was disbursed ; In XXXX - Out of the deposits to my Escrow in the amount of {$10000.00}, a total of {$6300.00} was disbursed. 
I do not wish to discuss this issue on the phone with the mortgage lender as such discussions in the past were manipulated to the extent I ended up with false charges in my mortgage statement.
Product: Vehicle loan or lease

I am using Toyota for the last XXXX years, and he has never ever had late payments I even paid earlier the full balance of my finances now I want to apply for a lease and finance from two Toyota dealers Toyota denied me even if I have very good credit XXXX I asked them why it says red flag they're not providing any more information that's 100 percent discrimination that's 100 % hate after being all the years such a good customer doing this I need a phone call explaining exactly what's the red flag and how I could take it down because all other banks are approving me for a car lease including XXXX XXXX XXXX XXXX and all other banks so the problem is not with a credit something in Toyota please accept me for a loan as soon as possible
Product: Checking or savings account

I made an inquiry about any closure fees of my Key Bank Checking account on XX/XX/XXXX. I asked more than 3 times and was not given any straight answers. Sure enough when I get the check there was a fee. I called on XX/XX/XXXX asking about the fee and they said they will pull the call from XXXX to review it. On XX/XX/XXXX a manager called me back to apologize that the fee was erroneously charged and will mail me a check. Today XX/XX/XXXX the check is still not here. I spent another 30minutes with their INCOMPETENT customer service agents and said they will follow up tomorrow.
Product: Checking or savings account

I started an account with Bank of America in 2017 when I was living in XXXX XXXX. However, I came back to XXXX ( where I'm from ) and the money is still there. My card expired and because of that I can't transfer my money back to XXXX. I have been waiting since XXXX for a new card to arrive. It was issued TWICE and still hasn't arrived ; I've had practically NO HELP from Bank of America. I can't download the app because it simply does not appear on the XXXX in XXXX, and, because of that, I can't transfer the money without a debit card. 

There's a Bank of America office here in XXXX XXXX ( where I live ), but it's an investment bank and I've been told that : they can't help me and that my card can not be delivered there ( which, honestly, would make this whole situation a lot easier ). The bottom line is : Bank of America is detaining MY money even when I've expressed my urgency to transfer it back to XXXX MANY times. 

My problem has, so far, NOT been treated with respect nor has my situation improved in ANY way. I've been thrown around, calling different phone numbers ( which greatly raised my phone bill ), and treated as if this was MY problem and not THEIRS to solve. 

Honestly, I would expect this behavior from a totalitarian country like XXXX or XXXX, but never from the United States. It is SHOCKING how a XXXX XXXX institution is so careless and simply does NOT CARE about the fact that they are retaining MY money from me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I transferred a negotiable instrument in the amount of {$50000.00} to Navy Federal Credit Union ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ) as payment in full for my vehicle loan account Ending in XXXX. After it was received by the company, I noticed that credits of the equal amount of the instrument were not applied to my account causing my account to be delinquent. It is now a fact that Navy Federal is not in compliance with the XXXX XXXX XXXX. I've reached out to them regarding this matter and they return a vague response of " The documents you sent were not valid and do not release you from your obligations ''. This is a willful act of non-compliance and also fraud. Under the XXXX Article XXXX, A negotiable instrument must carry all of the characteristics mentioned below to be a valid form of payment : 1. Must be written 2. Must be payable to bearer or to order 3. Must include an unconditional order or promise to pay 4. Must be signed by the maker 5. Must be payable at a specific time or on demand 6. Must contain a fixed amount of money to be paid 7. Must identify parties Since this instrument carries all of these characteristics, it is a valid form of payment despite company policies or regulations because the rules do not supersede the XXXX XXXX XXXX. 
This article also governs the acceptance or refusal of these instruments. Navy Federal explicitly said that this form of payment was not valid and that they did not accept it. Under XXXX XXXX of the XXXX XXXX XXXX this instrument still discharges the obligation. This section clearly states that if tender of an obligation is made to the person entitled to enforce the obligation and the tender is refused, there is still discharge to the extent of the amount tendered. Regardless of Navy Federal 's accepted or refusal, the obligation is paid in full and this payment should reflect in my account.
Product: Checking or savings account

Hello on XX/XX/XXXX my brothers Bank of America account was hacked and he was charged with three XXXX transactions {$110.00}, {$160.00}, {$34.00}, the package had also shown up to our house, my parents called XXXX right away and they told us to file a. fraud claim with the bank. So my parents filed the claim and Bank of America resolved the claim, they gave back his money and my parents decided to close my brother bank account since they thought it may be hacked again, so they went to Bank of America and we asked if it's safe to close the account and that the claim will not reopen, they said its okay to close the account, so we closed it on XX/XX/XXXX. Then on XX/XX/XXXX my Bank of America account was debited three charges of {$110.00}, {$160.00}, {$34.00}, I was confused and called the bank, they said they reopened the claim since XXXX denied the funds and since I had a joint account with my brother they took the money out of my account, even though we were told closing the account meant that the claim was closed, but I guess not, they took this money out of my account, then all of a sudden on XX/XX/XXXX I was returned {$160.00}, from the claim but they still owe me {$150.00}, I have been calling Bank of America almost every day since then and they are giving me random answers and are refusing to help, I even went to my local Bank of America financial centers to see if they could help, and they couldn't, I was then told to contact the merchant of the claim which is XXXX, I called XXXX on XX/XX/XXXX and they told me that they can not do anything since the charges are from almost a year ago which is understandable, but just makes me so livid since I really need the money to pay for college in the fall. Every time I called Bank of America I received many different answers such as, one lady said she will withdraw the claim on my account and my money would be retuned in 3-5 days and I waited two weeks and got nothing, another lady said she will tea sit to her supervisor and that he approved that I should get my funds in 3-5 days and still got nothing. Bank of America really gave false hope and I just want this issue resolved and my money returned, I hope you can help me.
Product: Checking or savings account

on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I called today to removed website 's information that had a credit score. XXXX said that the score was from XXXX which is false statement it is actually a advantage score from them, I asked the person on the phone from the company of U.S. bank ( XXXX ) to remove it from my web page so I don't see it, he ( XXXX ) then talk down to me using semantics just 'cause I didn't use the term that he use he was insistent in driving in the point that is the term he use was right and not what I was read right from there webpage, I called it a shortcut credit score he didn't like what I called it and was unwilling move on unless he argued that point, then I said are you saying XXXX can put stuff on my webpage your account and you can't take it off. It seems like a simple fix to me just remove it from the web page. 1. you would have to explain to me why you can not take off a credit score from your on website. After that I called back to the bank to complain and because I didn't want to be referred to by my first name he then refused to move forward with the process of giving me information on how to complain, not even using other way to confirm my identity 2. You have to explain why there is only one way to confirm a person ID on with the first name.
Product: Credit reporting or other personal consumer reports

This is in response to a complaint about a credit card on my credit report from CAPITAL ONE. 

They reported that the item had been REMOVED from my credit reports, but it has not from XXXX. 

As of yesterday the trade line re appeared on my credit report. 

I reported this several times already. 

That is the reason that I am re submitting my complaint.
Product: Checking or savings account

An unathorized wire transfer in the amount of {$4500.00} ocurred and the bank is denying to refund me the amount claiming that I did not take the necessary steps to protect my account. Its the bank who failed to protect my account. I contacted the bank within 5 minutes of this transaction occurring since they notified me themselves of this transaction. I have provided a police report, an FBI report and all the neccesary documentation and they have denied my claim three times. I dont know what else to do please help. This is through Citibank.
Product: Checking or savings account

Account was overdrawn the day of hurricane. All local banks and atms were closed for days. I drove to multiple locations to make a cash deposit and couldnt because they were closed! They charged me three fees totaling {$100.00} and wont refund them at all. Wells Fargo bank who Ive banked with for over 20 years.