23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a small business checking account with Bank of America, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), BoA promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Bank of America customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states " Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Bank of America continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Bank of America seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX.
Product: Checking or savings account

I agreed to move {$25000.00} into Huntington bank and keep it there for 90 days and as a perk I was to receive {$600.00}. When opening the account I put the money in a XXXX XXXX account and then when I'm checking on the funds they said it had to be in checking so I moved it over to checking. Now they are saying that that is Not new funds when I've done everything I was told to do. Yes I verified with a branch manager and a supervisor in the customer service department that I have indeed met the requirements. Checking on this for 2 weeks now and I have been ouldtold everything is OK. They're saying that the {$25000.00} that is in checking was a transfer within their bank and does not count. I have followed everything that they have told me to do and have confirmed twice that I have met the requirements with their bank personnel. I know that they have phone recordings when I've spoken to a supervisor and they have told me that I have met the requirements and I just need to wait for it to be deposited. I would imagine that you could request a copy of the phone records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, XXXX XXXX, and EQUIFAX ) that I am requesting that they are investigated and removed.
Product: Checking or savings account

I was misled by Chase bankers to upgrade my checking account with promises of bonus points I never got. I kept a balance of over {$80000.00} without receiving any interest in order to reach the 3 month minimum that the alleged promotion required. They have been bouncing me to different departments with no one really taking any accountability within Chase. 

I describe the chronological order of the events with names and dates below : Chase bank offered a promotion of 60,0000 Ultimate Rewards bonus point if I upgraded by regular checking account to a premium product called Sapphire Checking.

Over the phone, the executive told me that all I needed to do was to have a balance above {$75000.00} dollars for 90 business days and that I would get the bonus rewards. 
I decided to upgrade the account and asked several times if there was anything else I needed to do besides sending a wire and he told me there was nothing else I needed to do. 

I decided to upgrade my account to Sapphire checking on XX/XX/2008 and sent a wire transfer of {$50000.00} XX/XX/XXXX to have a balance above {$80000.00}, which I have kept to this day. 

On mid XX/XX/XXXX, I checked my Rewards balance and noticed I didn't have any bonus points. I called Chase to ask about it and they directed me to a banker that was assigned to my account. His name is XXXX XXXX ( phone number XXXX ), a private banker from Chase located in XXXX XXXX. He had called cold called me before to offer Chase products, and I assume he was responsible for the upgrade since my account is under his name. 

He told me there was nothing he could do. That in order to get that promotion, I was supposed to use an upgrade code. As I mentioned earlier, I specifically asked if there was anything I needed to do besides sending the wire and keeping the balance and they never asked for any upgrade code at the time. He then transferred me with the manager of the XXXX XXXX branch, XXXX XXXX ( same phone number XXXX ),  who kept telling me they were not responsible for the upgrade even though my account was assigned to XXXX XXXX in the system. 

He told me there was nothing he could do and transferred me to the Chase escalation department. A person named XXXX ( he told me he could not tell me his last name ) called me a couple of days later to tell me they looked into the matter and that there was nothing they could do ( his phone number is XXXX extension XXXX ). According to him, it was the branch manager 's responsibility if there was anything they could do at all. They kept me bouncing me around until today, they just said there was nothing they could do. 

Not only did I lose the opportunity the interest I could've earned on that money ( which I calculate is around {$800.00} in that span ), but all the time lost dealing with these people who don't take any responsibility of their actions. While the banker and the XXXX XXXX branch are benefiting from my account being assigned to them ( they are probably helping to reach their quotas ), they decided to take no responsibility when someone clearly made a mistake. 

Please let me know if you need more details and happy to help.
Product: Credit card

Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute 2 accounts/incorrect payment applied ( Accts ending in XXXX XXXX XXXX  ) To Whom It May Concern : I am writing to officially request help with resolving a billing/credit issue with your card. I received a bill in the amount of {$210.00} which I promptly paid. Following the payment, I received a bill for a CREDIT of {$210.00}. Shortly after that, I received a bill for the {$210.00} and a late fee of {$41.00}. Very confusing to say the least. 

Upon calling and reaching a customer service rep it was determined the payment went to an old account ending in XXXX  ; yet the bill was for account ending in XXXX. We were able to determine that the cashier at the store in Massachusetts did not find my existing account and instead opened up a new account for me. I now question if he did that because he receives XXXX based on how many new accounts he can open in a given time period. ( Common internal promotions held by banks and stores ). While we were able to clear up where the switch was ( payment applied to wrong account ) he was not able to move the payment from one account to the other. That is a bit frustrating since I am giving authorization. To add to this experience, he is only permitted to waive {$15.00} of the {$41.00} late fee. A fee that should not apply since I did technically pay the amount due ( {$210.00} ) and was applied to the wrong account. He agreed that he would remove the full late fee if he was permitted as he could see the issue and mix up. However, he shared your policy limits their ability to remove fees and we must submit a written letter. 

Additionally, while he needs to issue me the check for the over payment in the old account, I shared I do not feel comfortable paying the bill again so as to avoid experiencing the same incorrect accounts receivable issue ( and potentially having to chase down more of my money ). I would wait for the check to arrive ; clear this up and pay the original amount of {$210.00} once the fee was removed and a new bill of {$210.00} sent. 

He then informed me I have to write a letter to request this to be removed ; thus here is my written request to resolve this issue. He shared, that late fees will continue to apply until this is resolved which also concerns me greatly as I know you have 90 days to review upon receipt of a dispute. I hope to resolve this quickly. 

I am asking to please have the late fee removed on account XXXX and accept a payment of {$210.00} to have no currently due amount. 

Thank you for your support and assistance in clearing up this confusion issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the dates of XXXX there were unauthorized ATM withdrawls from my Wells Fargo Bank debit card ending in XXXX in XXXX XXXX , NV. A total of {$4900.00} was withdrawn from my account. I live in XXXX, ID so it was not me making these unauthorized withdrawls. I reported it to Wells Fargo Bank claims center but they claimed it was me making these withdrawls. ( Claim # # XXXX ) I told them that that couldn't be true since I was in XXXX, ID. A whole different state. I called two times and they sent two letters stating the claim was closed. One letter claimed {$4800.00} was dismissed while the other letter claimed {$4500.00} was dismissed. They didn't even come to an agreement as to how much was actually withdrawn. They don't reply to my emails and put me on hold for almost an hour and dismiss it when I try to get a resolution. 

As a side note I also got unauthorized withdrawals from my XXXX  XXXX XXXX credit card on XX/XX/year> of {$170.00} in XXXX, CA. XXXX  XXXX XXXX resolved this issue and re-imbursed these unauthorized withdrawls.
Product: Checking or savings account

Today, XXXX at XXXX XXXX  i received 4 emails stating a new checking account was opened in my name at bank of america. I did not open these accounts and immediatley contacted bank of america, after looking up their fraud phone number ( not the number listed in the email ). I made my report of fraud and was told the account was closed. At XXXX XXXX  i received another email from bank of america about changes to my account. I called again and was told the account was still open. The 2nd representative claimed they closed the account again. I reported the fraud and put account security freezes at each credit reporting agency. Bank of america could not provide any additional details about the account. The account should have never been open and the account should have been closed when i first contacted them.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and this statement is being composed on my behalf. Under FCR Section 604F prohibits a person or company from using or obtaining a consumer report unless the consumer used the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA section 604. Also, FCRA 1681S-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Lastly, per 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers rights to privacy. I am demanding the removal of the accounts ; XXXX  XXXX, XXXX XXXX XXXX SIMPLE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

First I never received any notice if this debt to verify or dispute it I never seen it till I seen it on my credit report I requested the credit bureaus investigate this debt on XX/XX/2021 and only XXXX verified the debt I then contacted the agency on XX/XX/XXXX I was told I could settle and close the account for {$80.00} I paid the {$80.00} on XX/XX/2021 when I contacted the company today XX/XX/2021 I was told that the {$80.00} would not settle the account I needed to pay {$130.00} more to settle the account. When first contacting them via Chat the rep never even told me this was an attempt to collect a debt over all I feel lied to and would like this account to be settled. Also I feel like I was being recorded without permission online from my computer because when I spoke out loud about what was going on the online chat screen disappeared.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  Equifax score dropped with no visible details of why the score dropped. I mad a complaint directly to Equifax. Representatives and Supervisor was able to give a explanation of the score dropping at XXXX points. After several complaints directly to Equifax I was not able to open up the MyEquifax.Com portal. I spoke with the technical Department. I was informed that this would be resolved in the next 24 hours. 
As of today the portal is not accessible. I believe this was done purposely sue to the unexplainable drop in my credit score of XXXX points. I also submitted court forms to move forward with a law suit due to stress damages loss of financial gain defamation of character. Recently an perfectly good account was added to my credit report. XXXX XXXX reported three years of on time rental Payments and my score only went up XXXX points. Constant harassment. discrimination
Product: Debt collection

As of XX/XX/2024, I attempted to open a checking account for my XXXX child and was denied. Reasons unknown to XXXX XXXX  its an assumption fraud or a debit owed on the old Bank of America account showed up via XXXX XXXX, XXXX. I am unaware of any debt and suspect fraud. I would like the information removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from Sun Trust Bank. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.
Product: Credit reporting or other personal consumer reports

Dear cfpb can you please have equifax & XXXX  to provide me with written documentation of how they verified XXXXXXXX XXXX XXXX on my credit profile Ive already called numerous of times and sent letters if they can not provide me with this information please have them to remove this account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX    XXXX   deleated a collection from my report the agency reporting was  XXXX    XXXX   and the creditor was  XXXX   XXXX   XXXX   XXXX  in the amount of {$280.00}! I have asked EQUIFAX to deleate this same creditor from my EQUIFAX report because of  XXXX  deleation! They reported back that it was valid? On  XXXX / XXXX / XXXX  I wrote a letter to EQUIFAX and told them that they must remove this collection from my report as to follow the other  Bureaus  deleation. I also told them that I was filing a complaint against EQUIFAX for delibertly not removing the collection account! I told EQUIFAX that I will wait 30 days to see if the collection account would be removed and if not I will intiate a complaint to Consumer Finance! Well apparently they received my letter and in retaliation reduced my credit score  XXXX  points as the other Bureaus did not reduce my score I apparently got my answer by EQUIFAX reducing my score! I pay all my bills on time and do not know what this collection is I have disputed this collection since  XXXX  when it first appeared on my record in 2 years it will b e 7 y  earss old and by statue i t MUST BE REMOVED! Please help me dispute this with EQUFAX Thank You!
Product: Debt collection

I have 2 medical debts placed on my credit report with Equifax, these same accounts appeared on another bureau which resolved my case and removed these debts. I sent in verification and validation letters to verify and validate this account and to adjust the correct information by asking them to remove these accounts from my report. I received letters from equifax claiming this information was verified, under the HIPPA ACT my medical rights are a private matter. I do n't want any credit bureau looking into my medical file that 's between me, my practitioner, and the insurance company who was responsible for this bill from an accident back in 2014, during my settlement. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a XXXX, XXXX and Transunion credit report on XXXX XXXX and Derogatory Remarks of 30-59-60-90 days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from XXXX, XXXX and Transunion.. 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with XXXX, but accounts mentioned are not been displayed on Transunion and XXXX. 
Why XXXX, XXXX  and Transunion not displaying Current on XXXX account as all accounts are Current. 

A Legal letter has been implemented for XXXX, XXXX, Transunion and XXXX to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.
Product: Student loan

I applied for a three month forbearance on XXXX/XXXX/2016 on all XXXX of my loans. I was told that my auto-debit enrollment would be cancelled and my next payment would not be until XXXX/XXXX/2016. Instead what happened was my auto debit was not removed and was charged on XXXX/XXXX/2016. The forbearance then applied on XXXX/XXXX/2016. I was also billed {$150.00} on XXXX/XXXX/2016 to finalize the forbearance, which while agreed upon, gave the impression that everything was set.
Product: Debt collection

My credit report shows an account for {$780.00} in collections for over a year and a half with Midland Credit Management. I spoke with the legal department of MCM on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to XXXX and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called MCM legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to XXXX and told they are the ones reporting in error to XXXX. The XXXX rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated XXXX transferred me to her stating it was legals problem. She put me on hold and transferred me back to XXXX. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) 6063 stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call MCM they transfer me to and from the legal department to XXXX.
Product: Debt collection

I have no knowledge at all of this account and it does not belong to me! I have been a victim of identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ACCT : # XXXX Collection : # XXXX XXXX Accordance With The Fair Credit Reporting Act XXXX  Acct # XXXX Collection : 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and Id like to request an investigation into my account transactions.