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

Truist was advertising a {$400.00} bonus for opening a new checking account and having atleast two direct deposits totaling {$1000.00} within 90 days in XX/XX/2023. I opened a personal checking account thru their online process on XXXX XX/XX/2023 & successfully enrolled in that offer. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXX, OH where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. I waited for three months and then finally filed a CFPB complaint XXXX XXXX XXXX  ) to get my {$50.00} back on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 I received an email about an account statement being available and a letter from XXXX XXXX informing me that they were able to verify my identity and re-started my account. I called customer care and they informed me that the clock on my bonus offer had reset and I could still setup two direct deposits to receive the {$400.00} bonus within 90 days. I successfully completed that and waited until the advised period but they did not credit the {$400.00} bonus. Reached out to customer care again and escalated to a supervisor who had an analyst review the case and informed me 30 days later that they acknowledge my account was frozen so I couldn't deposit any amount but they are not going to honor the the promotional offer because it had to be within 90 days of XXXX XX/XX/2023. 

I find this extremely unfair on their part due to a number of reasons - 1 ) They automatically closed my account and didn't provide an alternative to ID verification, but when I submitted my first CFPB complaint they were suddenly able to verify my identity without needing me to show up in a branch. If that was possible why did they not do it in XXXX itself so I could still meet the offer terms. They kept insisting going to a branch was the only way to complete ID verification but that was not true. Truist 's actions and conflicting information provided by their customer care team actively precluded me from completing the activities for the bonus. When they restarted my account they should have ensured the offer applies too so I had a fair shot at completing it. 

2 ) They were still offering the same promotional offer to new customers between XXXX XXXX to XX/XX/2023. I have a screenshot showing the online ad that was displayed. That is the time period in which I completed the same activities but I am not getting the bonus
Product: Credit card

Hello, A few days ago ( XX/XX/XXXX XXXX American Express closed all of my credit cards without any warning or cause. I have multiple credit cards with American Express all were in good standing. I never missed a payment, never made a late payment and have excellent credit. 

Phone and chat representatives were unhelpful and claimed they didn't know why my cards were closed and cancelled. I always paid off my balance well before the due dates and always kept my balances low. I have never done anything that wasn't above board and always take pride in keeping good credit. 

One representative eluded to the fact that I earned a lot of rewards as to why the cards were closed, however I don't see how this could be a problem as I always followed the rules outlined in the terms and conditions. American Express kept sending me new offers and promotion constantly which I occasionally took part in. I never abused or took advantage of any of their rewards program. I only used the rewards as they outlined in their own terms and conditions. 

I really think this is unfair, as I have been a long time customer of over 10 years.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes., practically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Consumer Loan

At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.
Product: Checking or savings account

On XX/XX/2023 my account balance was {$41.00} I withdrew the {$41.00} and bank of America put my account at- {$31.00} the next day. Bofa used a XXXX transaction that happened on XX/XX/2023 and dated the transaction XX/XX/2023 this date is the transaction date and posting date. At the time of purchase from XXXX funds from account where removed. When BofA changed the on the transaction from XX/XX/XXXX to XX/XX/XXXX they charged me again and caused my account to be overdrawn. I contacted bank of America and was told XXXX had just processed the transaction and that there was no double charge I ask why did the transaction say XX/XX/XXXX and the processing date say XX/XX/XXXX also. I also ask why at the time of the transactions which was XXXX they withdrew funds for the transaction and when they changed the date they withdrew again causing the over draft. I also stated to bank of America that I do not have overdraft services so how does my account continue to get overdrawn. Bofa refused to answer. I tried calling back to speak to a supervisor but BofA refuses to give services because I'm having issues with my text messaging and BofA says that's the only way they can verify my identity and to go in to a branch. Is the only way I can get customer service. There unrecognized charges made to my account and I can't dispute them unless I call them. I can't make it into the branch because of transportation issues. Everything stated can be proven. I filed multiple complaints with BofA about getting notifications of debit card charges when I'm not using my card and when checking my transaction history the notification of the transaction is no where to be found. BofA continues ignore these issues there has no follow up or anything I do believe BofA is taking money out of my account without authorization. BofA has also lied about available balances in XXXX I made a deposit to my account because my account was at a, XXXX balance. When checking my statement for that month BofA states my account balance at the time of that deposit was more than {$0.00} which was not true I told BofA I had the receipt proving the balance was XXXX at the time of the deposit BofA replied there must be something wrong with the atm.
Product: Credit reporting

Collections agency medical bill {$68.00} was PAID in XX/XX/2012. Equifax still reports as unpaid
Product: Debt collection

This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.
Product: Debt collection

First Letter sent to American Profit Recovery via USPS Certified Mail : XX/XX/XXXX American Profit Recovery, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : XXXX This debt is being disputed. 
XXXXXXXX XXXX XXXX  Contract was for six ( 6 ) services. 
Dissatisfaction with services provided by XXXX PA on XX/XX/XXXX and XX/XX/XXXX. Dissatisfaction was reported to company in writing and verbally to billing, XXXX XXXXXXXX XXXX XXXX XXXX. 
XX/XX/XXXX and XX/XX/XXXX services were inadequate and we asked for fees to be waived in writing and verbally. 
Conversation with XXXX XXXX in Fall XXXX to again request to waive XXXX and XXXX fees. XXXX stated fees would be waived. 
Credit was only provided for one ( 1 ) service ( {$250.00} ) and per conversation with XXXX XXXX, fees should have been provided for two ( 2 ) services ( {$250.00} x XXXX = XXXX ). XXXX explained company was going through a transition due to the death of the owner and that was the reason for the poor quality service provided. 
See attachments. 
This debt needs to be removed immediately. 
Complaints have been filed with the PA Attorney General againsXXXX XXXX and Consumer Finance Protection Agency against American Profit Recovery , Inc . 


XXXX XXXX Enclosures American Profit Recovery ( APR ) called again on XX/XX/XXXX and received second dispute letter on XX/XX/XXXX via USPS. Spoke to XXXX XXXX at APR. Stated his collection agency did not receive certified letter dated XXXX and is collecting the debt. 

This is harassment because we have sent the necessary information to APR.
Product: Credit reporting or other personal consumer reports

Please take this seriously as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed by TransUnion. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX XXXX Account number XXXX {$420.00} XXXX XXXX XXXX Account number XXXX {$490.00} XXXX XXXX XXXX Account number XXXX {$420.00} Personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulstion E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I was unlawfully discriminated against by Lightstream when I applied for a used auto loan and pursuant to 15 USC 1691; it was a violation against my rights as a consumer! I reached out to express my frustration with the company and they directed me to an email, that they said, contained the results that allegedly led to my denial, which wasn't the case. The email didn't serve as a resolution to the infringement upon my rights so I decided to reach out again and so far, no resolution!
Product: Credit card

During the checkout process of a phone preorder on XXXX, I was advertised to, that I could get " no interest for 24 months '' on my purchase if I applied for a credit card through Best Buys  partnership with Citi and XXXX. I applied for the card and was approved, however when I went to finish the transaction, the transaction was declined because Citi did not approve the full transaction amount. I tried speaking to their customer service line and was given the runaround of " well there is nothing we can do because the amount approved is based off of your credit ''. This is a predatory business practice and false advertising. They are luring you in by promising an interest free purchase on a new credit line and then once you have signed on, only then do you find out that they did not approve the full purchase amount and you now have a credit card that you would not have opened otherwise and there is now a " hit '' on your credit report. In the end I could not complete the purchase and therefore not redeem the advertised benefit.
Product: Credit reporting or other personal consumer reports

I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

I attempted to make a payment arrangement with Paypal Credit earlier today, XXXX. The rep I spoke with stated no arrangement/payment plan is available at this time, they have all expired. I was not aware of any plans to me prior to them expiring, the last XXXX I was made aware of through a message from CFPB is an amount of around XXXX for three months, bringing the account current. However, the rep informed me this plan has also expired. She was also made aware of some fraud charges made from an XXXX, a jewelry site. A XXXX with a similar name, XXXX XXXX, placed these orders using my name as it is similar. I use a middle initial, S, he does not have or use XXXX. My full legal name is XXXX XXXX XXXX. Please advise Paypal Credit I can pay a minimum of XXXX for the three months, despite the fraud charges.
Product: Checking or savings account

Capital One Bank, have not deposit my money in account from child support! I get get every week, and they have not put my money in my account A Manager name XXXX I talk to and I still have not received my money
Product: Credit reporting or other personal consumer reports

XXXX is reporting erroneous information on my account, and it is preventing me from access to any freedom in my life. It is hurting my credit score, and I've written them multiple letters since 2022, to no avail. 
The names and addresses are incorrect and I need them updated. I have mailed them a letter requesting they update it ( please see the attachment for said letter ), to no avail. 

I have also requested that they REMOVE the COLLECTIONS from my account as XXXX is in violation of 15 U.S.C. 1681g because they have not verified nor proven any of that they are reporting. Yet, they continue every month to report these harmful errors. The letter I sent to them regarding this matter is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan but was denied because of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Product: Credit card or prepaid card

Since comenity has been hacked since last month no one has been able to get in touch with this company! Its like customer service has disappeared! I closed my account because I want nothing to do with them. As they are very incompetent! I got a late fee for my IKEA comenity credit card even thou I paid it on time! and have attached proof! Its not my fault ALL your systems are down and messed up! I'm not paying absolutely any late fee for a payment I made on time!

Comenity also offered {$60.00} in compensation from another comenity messed up and I never got anything in the mail!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts. 
XXXX XXXX {$4600.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$5000.00}
Product: Mortgage

We have been working with PennyMac and they are excellent. We had finished our complaint/notification to them and they had responded back on XX/XX/XXXX. At that time they had never been contacted by XXXX. We received an interesting call from the PennyMac loan remodification department on XX/XX/XXXX explaining they had XXXX information from key bank and there was a lien on our home. It was strange to both PennyMac as well as us, as XXXX wanted to know if we had a lawyer. PennyMac was as confused by that questions as we were. We explained that we had contacted XXXX and they were said they would have their lawyer call us and that they would contact us back. They had not done that yet. The PennyMac representative told us about some XXXX concerns and other information and advised us to call XXXX again. We did so immediately. We also produced a CFPB feedback notice and attached it to our original filing. XXXX is important to note that this was the same day that XXXX submitted continuation on their complaint. I wanted to submit a new filing because this is now scheduled for hearing. PennyMac has been wonderful to work with, but they need to be informed as I believe XXXX also needs to be aware. We were notified and we contacted the lawyer. We were told there was no scheduled foreclosure. We also contacted penny Mac and as XX/XX/XXXX they had never been contacted by XXXX. We have communicated and called XXXX, as was our intention and what was suggested. They said they escalated it and would contact us the next day by a XXXX XXXX, we have not been contacted by XXXX. We have only been harrassed by a lawyer and a builder with eviction notices and 3 day response subpoenas in-between XXXX and XXXX XXXX. Please we want to resolve this, Here is XXXX sample of a text message from XX/XX/XXXX, this is consumer deception, a builder, some investors and a lawyer made this claim. When we received any notifications we contacted XXXX and PennyMac. We were told there was no foreclosure. This is wrong : Good morning XXXX, please give me a call when you have a few minutes so that we can discuss your options to remain in the house. As I mentioned earlier, it centers on PennyMac continuing with the terms of the loan modification agreement they sent you and that you returned to them. They were not aware that you no longer own the house but it XXXX not be a problem when they learn that there is an option for you to regain ownership of the house. XXXX is of the essence. The XXXX days notice given Tuesday of last week officially begins the process of my partners and I obtaining possession of the house. I am hopeful we can come to an agreement that allows you to stay. Theres no doubt this is very stressful for you and your family. I look forward to speaking with you soon.