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

I haven't received the checking account bonus that I signed up for. It was supposed to be paid by XXXX according to the terms. I reached out 2 weekends ago and the rep said that she'd look into it & send a secure message, but there wasn't a response. I chatted with XXXX XXXX last week and he said that I didn't have a recurring direct deposit. That is not in the terms. The terms for the current offer and the offer that I applied for state, " You must also make Direct Deposits into the account by one or more deposits that, in the aggregate, are equal to or greater than {$1000.00} during at least one statement cycle during the first 90 days of the account opening. '' This section alone implies that it doesn't have to be more than one direct deposit. I think that their employees are confused about the terms. The first rep that I spoke to said that I had to have the account open for 90 days. However, the terms clearly state, " All bonuses will be paid to qualified customers no later than XX/XX/ 2024. '' Nonetheless, I still waited, even though it was due on XXXX. I hadn't heard back by XXXX. I chatted with XXXX XXXX, who said that I didn't meet the terms. He had also mentioned that I didn't qualify because I wasn't a new customer. I provided him with a transcript of a chat that he and I had just before I signed up for the promotion. I had chatted with the bank specifically to ask if my open business account would disqualify me for the promotion and his response was, " I am sorry no it will not disqualify you from that offer. " I have attached a screenshot of the offer terms, along with a transcript of my chat with XXXX XXXX regarding my open business checking account not disqualifying me from getting the personal checking account promotion. He said that he'd escalate this. I didn't hear back. I've reached out to XXXX XXXX XXXX multiple times about this and they've started ignoring me via chat. I manage a financial services site. I've talked to others who've also had the same experience with XXXX XXXX XXXX. XXXX XXXX XXXX is not honoring their agreement ; instead, they're either outright refusing to pay the promised bonus or they're extending the payout until XXXX or XXXX. Those are just some of the months that customers have given me, but we all signed up for the same promotion and used the same promotional code that was advertised on XXXX XXXX XXXX XXXX  site. This is deceptive or misleading advertising. They've also changed the terms on the site after the promotion ended.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, they all consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, XXXX, and XXXX comply with federal law and provide consumers with the necessary proof of investigation.
Product: Checking or savings account

I have a business that often receives payments made out to my business name, my clients name ( s ) and their lender 's name. Their lender requires my business to endorse the back side of the check with a signature guarantee, which is performed at the branch level of a bank by an account manager ( desk employee, not teller ). To my understanding a signature guarantee from the bank means the bank is guaranteeing that I have an account with them and that I am an authorized signer on that account. If that is all it is, how can and why can my bank place a limit of {$25000.00} on the amount of check they are guaranteeing my signature for. The funds from that check are not being placed in any account with that bank. The bank has no apparent liability. They will perform the same action on any check under {$25000.00}.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a service from XXXX with an automatic renewal three  years later - XX/XX/XXXX. The purchase in XX/XX/XXXX was charged to my XXXX XXXX XXXX. I cancelled the XXXX XXXX XXXX in writing in XX/XX/XXXX. I stopped using XXXX some short time after the renewal and forgot about it. In XX/XX/XXXX I received a bill for {$170.00} for a renewal of XXXX from XXXX XXXX. This was the first bill I had received from XXXX XXXX since I closed the card. 

I called the dispute department at XXXX XXXX and found out that my account had been left open because the terms of the agreement with XXXX were for an automatic renewal. I have spoken to XXXX and they may refund my money. I am writing this complaint to you because : 1. I do n't think that companies should allow charges to be made to credit cards that have been closed.

2. I think that companies who have automatic renewals directed to a credit card that has been closed should be obligated to get a new open credit card from the consumer before any charges can be made. 

The scenario that I have discribed above could go on and on. The customer could discontinue use of a service, move, never receive the bill from the closed credit card and accumulate charges that are unfair.
Product: Credit reporting or other personal consumer reports

This account was charged on the following date : XX/XX/XXXX  Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX Balance {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquries that was once removed has appeared back on my credit again. Transunion was suppose to remove them. It may be due to there inquiry issue.
Product: Credit card or prepaid card

I have a Barclay 's credit card ( XXXX XXXX ). My account is set up for auto payment. ON two occasions, the auto pay has taken out more than the balance due. This happens when a credit ( like a return ) is refunded to my account which thus lowers the balance on the account. Barclays still pulls the amount on my statement rather than the actual balance. In this case here, the statement balance was {$9600.00}. The actual balance was {$8400.00}. So instead of just withdrawing that amount, they withdrew {$9600.00} leaving me with a credit balance of - {$1200.00}.

To resolve this problem, I have to call the company. They have to wait five days to make sure the payment clears. Then they are going to send me a physical check which I have to deposit. 

Essentially, this means they scam me out of my money for 20 + days ... ..of course they can make money on my money for free. As I said, this has happened once before. How many other people are they also doing this to? 

I have included the statement which shows all of this in detail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  made and offer to settle a closed card and then did not honor it or report the payments. 
Instead, they applied it to interest owed and continued to report non-payment for years
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, XX/XX/2021 XX/XX/2021 A hard inquiry appeared with the credit reporting agencies with XXXX, XXXX, XXXX from Capitol One Auto Finance. 

The inquiry was not authorized and consequently my credit scores was affected. 

I called Capital one on XX/XX/2021 for a letter I have sent to them thru fax. They are not able to locate the letter. I was told that it will take them 30 to 90 days to review the request which is referenced as XXXX 

I am requesting that Capital One delete the unauthorized inquiry. I am requiring proof in writing for the authorization from Capital one.
Product: Checking or savings account

On XX/XX/2023 I deposited a check via ATM at Wells Fargo. The check was written on Wells Fargo bank. I deposited via ATM because its much easier and there isnt enough staff inside the bank so wait time is long. Wells Fargo placed a hold on the entire check which is very inconvenient and unacceptable. How could they place a hold on a check written on their bank when I just cashed a check from my XXXX insurance company and no hold was placed. I would had been satisfied if some of the funds were released today and the remaining the next day. I have XXXX in my checking account so these funds are needed in order to feed my family
Product: Vehicle loan or lease

My account has been charged off and I have not been able to get in and see how much I owe or even make a payment. Financially we have been struggling for over XXXX years and trying to just pay off our vehicle so we can not be so behind and rebuild our credit. 

I had been working with capital one on a payment plan but when my husband got XXXX  and had been in and out of XXXX  stays, we fell behind and couldnt make those payments. My husband has been without work for XXXX years now and our vehicle is the only way I can get to work and keep our mortgage and utilities on. Our cell phones most of the time are disconnected and I have asked several times to be able to go online and make a payment. They dont allow it, I am hoping to get in touch with them this evening to make a payment and hopefully get on a new payment arrangement to work on getting this paid off. 

My loan was set to mature and be done back in XXXX but due to hardships approved in the past I believe it has put me out some months. Also with being past due. Our intention is to pay the vehicle off I just wish capital one would work with us on a payment plan so that we can do that. They have already been paid back for my loan and more at this point they are just making more money. 

Cost of every thing has gone up, our electricity is almost {$600.00} a month. Its been a struggle but we can not lose our vehicle. Otherwise I will not be able to work and keep our electric on, and roof over our head. 

Please asking for capital one to work with us on a plan.
Product: Checking or savings account

Dear CFPB, My banking account says I have a balance of {$14.00} however my XXXX document indicates I have {$210.00}. I am doubt 95 % certain my balance has some how an impact, I have been transaction in XXXX, there maybe potential currency exchange differences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple bankruptcies on my XXXX, XXXX, and XXXX credit report. The issue that concerns me is LexisNexis. I contacted LexisNexis and told them, they were reporting inaccurate information to XXXX, XXXX, and XXXX. I also asked LexisNexis to place a security freeze on my file. They sent me a letter stating that a security freeze is now in effect as of XX/XX/2018. Also, the security freeze would prevent LexisNexis from releasing my XXXX reports or scores derived from the information therein. On XX/XX/2018 I received a letter from XXXX  stating they verified multiple bankruptcies through LexisNexis once again. even after the security freeze was in place. 

This matter has affected my life in the worst way. I need the CFPB to assist me with this because my rights have been violated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXX/XX/1988.
Product: Credit reporting or other personal consumer reports

My information was leaked in data breach and all over the dark web as well and have been targeted in my bank account and many other was Im sure that Im knowing and unknowing aware of. Im constantly trying to get my information removed from dark web I would like my report expunged under the Fair Credit Reporting Act because my identity has been stolen and its unfair to have a poor credit score that fraudulent activity upon my name and social security number that is beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$830.00}.
Product: Debt collection

Attempted to contact family members several times. Successfully contacted a family member XX/XX/18 and told them the amount of debt owed
Product: Debt collection

Afini Inc, ha s place  XXXX  accounts on my   XXXX   and   XXXX   credit report. I have been a victim of identity theft and I submitted my police report to  XXXX , and the other credit agencies. I have never had an account with  XXXX   XXXX  or   XXXX   and I keep telling these companies that. I am a victim of identity theft and this account is NOT mines . Afini does not have any validation nor did I receive anything in the mail for either of these accounts. My rights have been violated and they need to remove these false accounts off my credit report.
Product: Credit card or prepaid card

I made a purchase of a wig from XXXX with my edd card on XX/XX/2020 which I did not receive until mid XXXX. Due to the holidays & covid and the time it was taking to receive mail especially at a XXXX XXXX XXXX did not actually receive it until sometime after XXXX But on XX/XX/XXXX I had respond back to XXXX that I had received the wig but was not satisfied with purchase & wanted to return it. Got several responses back from XXXX telling me not to send back was advised not return because postage is high & risk is unpredictable. Was told to take wig & have it styled & i said with covid could not be done nor did i want to put any more expense into something i was not at all satisfied with. On XX/XX/XXXX they said they would refund me 13 % & that i could keep the wig or sell it. The wig it cost me {$66.00} & any refund less than that amount was not acceptable to me especially after going on their website & reading their refund/return policy says nothing about a percentage of refund. Told them that they were fraudently trying to keep more money than they should be. So I went back and forth with them and the last amount they offered was {$25.00} dollars & to return wig but at this point it does sound like shipping back is unpredictable because they even state this in their website. These companies & their practices are just outrageous have not encountered such practices until now & beside this company Bank of America does not dispute any transaction for the customer they only deal with fraud and they don't even deal with the fraud well as all of world has been able to see. What bank does not back up any transaction made with a card they belongs to them that should be illegal in itself especially when it is a goverment agency they are handling it for.
Product: Credit reporting or other personal consumer reports

Hello Sir/ Madam, I was on the Approved Forbearance plan, and the mortgage company is reporting negative inquiries on my credit report, which is severely impacting my credit scores. I have talked to the mortgage company about it, but they are not willing to fix it. 

They had reported 120 days past due on my credit report while I was on a forbearance plan. 

The mortgage company 's name is XXXXXXXX XXXX XXXXXXXX and XXXX. 
My loan number is : XXXX Please help regarding this matter, as I want the late payments to be removed from my credit report. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX
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. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

A private student loan of mine has gone into default due to lack of wages. The former owner of the debt XXXX XXXX XXXX apparently sold the debt to Transworld Systems. The account was immediately put on my credit and into collections. I did not get a notice that my debt was being sold ( which is required by law ) and Transworld Systems has made no attempt to contact me to prove ownership, correct balance or to even state they have taken over the debt. I would like an investigation to be conducted into the practices of these XXXX companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/Charge Off : XXXXXXXX XXXX  XXXX XX/XX/XXXX {$4300.00} LatePayment XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

A representative from XXXX called XXXX hung up on me when I tried to voice my concerns. Discover bank refused to service the account due to a business decision. 
I am tired of their nonsense. Please investigate them to the fullest extent. The FDIC contacted account holder and said it would escalate this claim further to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, XXXX and Transunion concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquires that i do not recognize. please take these inquires off my report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX is reporting incorrect addresses on public information. XXXX  XXXX is reporting incorrect addresses and not reporting correct information per FCRA. They are reporting inaccurately and should remedy this issue. Information is totally incorrect.