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

I opened a checking account at Wells Fargo branch ( at the XXXX XXXX XXXX XXXX XXXX, CA XXXX ) with the offer code " XXXX '' which is a {$300.00} bonus offer for a opening a checking account. The Banker ( XXXX XXXX XXXX ) and the branch manager reviewed my Wells Fargo history relation and informed me that I am eligible to open the account with this promotion. 
Under the offer the account must receive a total direct deposit of {$1500.00} for 3 consecutive months. I met this requirement. 

The Banker and the branch manager informed me that I meet the Additionall requirements as follows : you can not be 1. A current owner on a Wells Fargo consumer checking account ( which I as not ). 
2. A Wells Fargo team member ( which I as not ). 

I met all of the requirements, and the {$300.00} bonus was needed to be deposited into my account on XX/XX/XXXX. 

Another requirement is that that you can only receive one consumer checking bonus in a 12 months period ( limit one bonus per customer ). 
I did received a promotional bonus on XX/XX/XXXX. The terms say " A recipient of a consumer checking bonus in the past 12 months. '' The bonus was supposed to be credited into my account on XX/XX/XXXX, which is more then 12 months from the previous one that I received on XX/XX/XXXX. 

The terms and conditions are very clear and they are not ambiguous. Based on the clear terms and conditions the Bank is legally required to pay me the {$300.00} bonus. 

Furthermore, the Banker and the Branch Manager, at the time of account opening, reviewed my profile and bank history with Wells Fargo, and they saw in the system that I received a bonus in the past, on XX/XX/XXXX. They read the terms and the condition and told me that I am eligibility for this offer. Therefore, they opened my account and applied the promo code " XXXX '' into the system. If this was not the case, they needed to informed me than and then that I am not eligible to this offer. Furthermore, they will not opened the account and applying the promo code into the system.
Product: Debt collection

Account Dispute/ Request for Fraudulent Transaction/Account Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( g ) ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct # XXXX XXXX XXXX XXXX  Derogatory account XXXX, NV XXXX ( XXXX ) XXXX Dear Sir or Madam : As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed. 
Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers license or other government-issued identification card ; ( B ) A copy of the identity theft report Please provide all information relating to the fraudulent transaction, including :
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. 
To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : Trans Union XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was restricted via software from providing additional information regarding the dispute of XXXX relating to being placed into collections unlawfully without notice written, telephone, or otherwise, to collect a debt. Experian declined to request more information and is still including this in my credit report, when it is no longer present in XXXX.
Product: Credit card

I tried to add my children as an authorized user with their DOB, SSN address and phone number and set the card spending limits. The cards are sent via overnight mail. The next day I receive a call from Capital one fraud department stating they need the kids 's drivers license and a copy of their social security card. I called Capital one back stating I am not sending in the information and to cancel the request of adding them as an authorized user. The rep says they can not cancel that request until the documents are sent in. I told them the kids do n't have drivers licenses and that I am not sending in their social security cards. I told the rep to cancel the card.The rep states that she can not submit a request to cancel the card due to the " fraud restriction '' and that I would have to send the ssn card and drivers license. Her name is XXXX # XXXX. I asked if he had any other options and asked again to have the card cancelled. She stated they would not be able to cancel the card. I paid the balance in full so it 'll be zero but they wo n't cancel my credit card.
Product: Payday loan, title loan, or personal loan

I opened a loan for a piece of furniture through Koalafi. I agreed to pay off the loan in three months so that I wont have to pay interest. I was making a payment of {$180.00} a week to pay it off. I had two weeks left with a total balance of {$370.00} so I made a final payment in that amount. The following week they continued to charge my card {$180.00} so I had called to get a refund for that since I made the payment towards paying it off. They refunded me XXXX {$89.00} payments from 2 random months before. the following week after they took out the {$180.00}, they continued to charge my card another {$67.00}. I had called and they said that my loan was still open because they had refunded me the past month payments so now they say that, I have to continue paying the interest which is the same amount of the couch itself. My loan is currently sitting at {$2800.00} when I already paid {$2500.00} for the couch. XXXX XXXX be paying for this is {$5300.00} for something I paid off within the 3 months.
Product: Credit card

I called to cancel my spg american express card. The american express rep talked me into upgrading my card to a XXXX XXXX card. I reluncantly accepted. They send me the new card and I see they upgraded a different card. I have contacted American Express 5+ times and have gotten no where. This is fraud as they upgraded another account that I did not request and they will not fix this issue. Mulitiple requests have been sent and cases have been closed they say by error.
Product: Mortgage

I was named Personal Representative for my brother 's estate when he passed away in XXXX, 2019. In XXXX, 2019 - his condo was sold and Mr. Cooper provided mortgage pay-off letter. At closing, it was discovered we had overpaid during mortgage settlement. One overage check {$700.00} received and cashed in XXXX, 2019 ; however, additional checks were not received. 
XX/XX/2019 - Submitted complaint to the XXXX XXXX XXXX in Texas. 
XX/XX/2019 - Mr. Cooper advised that checks were issued on XX/XX/XXXX for {$310.00} and XX/XX/XXXX for {$71.00} but, despite my correspondence, checks were sent to my brother ( deceased XX/XX/2019 ) in card of his address ( which was sold XXXX, 2019 ) -- checks were never received, presume " lost in mail '' or simply returned to company as undeliverable. Their letter advised that these checks were stopped and reissued on XX/XX/2019. They were never received. 
XX/XX/2019 - Reopened complaint with XXXX XXXX XXXX ( Texas ) since 2nd set of checks were not received. 
XX/XX/2019 - Mr. Cooper replied that checks again had been sent to the wrong address -- these checks were stopped, reissued and mailed on XX/XX/2019. As of today, XX/XX/XXXX, no checks have been received. 
XX/XX/2019 - Reopened complaint with XXXX XXXX XXXX ( Texas ) and requested checks be reissued and sent to me, Certified Mail, at my new address. 
Amount remaining due is {$380.00} ( confirmed with their records ), four months after paying off mortgage on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I received a call from a person ( Female ) identifying themself as a Credit Card XXXX XXXX XXXX Huntington Bank XXXX XXXX, Ohio, phone Number which is the actual phone number of that bank XXXX. XXXX, then she proceeded to ask me if I applied for a credit card through that bank? I did not! Then she proceeded to tell me that someone was trying to use a New York address and new phone number to open a credit card account for {$7500.00} in my name, she asked if a relative or family member lived in New York or if I in fact had moved? Then after all questions were answered No she proceeded to forward me to what was supposed to be the Banks XXXX XXXX! 
That brought on XXXX XXXX who claimed to be in XXXX Texas, XXXX he proceeded to claim to help me with the XXXX XXXX XXXX to get a block put on my reports! 
After asking several leading questions which I did not answer or gave fake information to I told XXXX that I was at work and didnt have the information he needed to knowing all the time that he was a fraud! 
He then proceeded to give me his direct number and told me he would call me back at XXXX! 
I hung up and immediately called Huntington Bank at the number the XXXX called me from and to my surprise it was in fact the correct number! I left a message for them to call me ASAP meanwhile after processing the call from XXXX who seemed to know way too much personal information especially on my credit report accounts, partial account numbers, even some of my credit limits and balances owed I attempted to call his number, and I got a recording! 
So shortly after I placed the call to XXXX number I received a call from that number which I answered but did not talk and to my surprise it was the same guy XXXX! 
So after hanging up I then received a call from the XXXX of the Huntington Bank XXXX in XXXX Ohio and he told me Nobody there called me and no credit card was applied for in my name! 
Then the harassing calls started from XXXX! 
I asked if that was his XXXX, XXXX or a relative that called me from the Bank! 
He became very belligerent with me and started to threaten me! 
He then proceeded to make numerous calls to me in repeated succession for the next several minutes which I did not answer and they were numerous calls from different numbers from all over the XXXX XXXX even ones with local exchange numbers from my home area! 
This needs to stop! 
I reported a breach to XXXX and bank! 
Also XXXX tried to Represent himself as an employee of XXXX giving me a fake I D number! 
These frauds need to be stopped! 
Please contact me at the number provided or my E-Mail Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX
Product: Debt collection

Subject : Formal Complaint Regarding Harassment, Improper Debt Collection Practices, and Violation of Dispute Rights Dear LVNV Funding LLC, I am writing to formally complain about the conduct of your debt collection practices related to my account with the number XXXX. I have encountered several issues that are causing me significant distress and believe they constitute a violation of federal and state laws governing debt collection. 

Harassment : I have received multiple harassing phone calls and written communications from your representatives. These communications include threats, abusive language, and repeated calls outside of legal hours. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person.

Selling Information to Third Parties : I am concerned that my personal and financial information related to this account has been sold or shared with third parties without my consent. This practice appears to be a violation of the Gramm-Leach-Bliley Act ( GLBA ) and other privacy laws, which require that consumers ' financial information be handled with confidentiality and only shared with authorized parties. 
Denial of Dispute Rights : Despite my efforts to dispute the validity of the debt in question, my attempts have been ignored, and I have been denied the opportunity to formally address these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccuracies on my credit report and receive a proper investigation.
Product: Credit card or prepaid card

I applied on XX/XX/2019 for a XXXX Chase credit card to receive a {$200.00} credit on my XXXX flight to XXXX for my nephew 's wedding. I understood there would be an annual fee as well of {$69.00}, so the net savings was about {$130.00}. 

Instead when I applied and approved -no credit card information was provided at the end of the transaction. I had to wait for the hard copy, relocate the offer and book my flight. 

At the end of the transaction the web page did not display the {$200.00}. savings. I called XXXX and was assured it would be credited after I made any purchase " even a cup of coffee '' on the card. I never got credit on my Chase statement after spending {$900.00}. on the account, so I contacted Chase directly. I spoke to two customer service reps who told me they couldn't help me or verify that there ever was an offer of {$200.00}. off at the time I applied for the card. I then spoke to a manager in the corporate office in XXXX Ohio, who told me I had signed up for XXXX bonus points not {$200.00}. off and to give me the {$200.00}. off would actually be a downgrade and she could not do that. 

I escalated the complaint to the owner of company in New York. Someone called me on around XX/XX/XXXX to tell me although she XXXX confirm that there was a {$200.00}. off offer in XXXX when I applied for the credit card account, that her position was that when I bought the ticket it was on a URL for XXXX bonus points. So the fact that I applied and opened the card on the {$200.00}. off page and experienced web issues that prevented me from booking the flight that day, was nothing she could do anything about. 

I have my entire browsing history saved. A XXXX search showed similiar bait and switch situations related to JP Morgan Chase Credit Card Services and XXXX flights. JP Morgan Chase accepted no responsibility for their failure to issue a temporary credit card number so I could book the flight that same day. 

I therefore incurred a {$69.00} annual fee for a card that achieved nothing for me when the objective was to get {$200.00} off my flight to XXXX. As I pointed out to the last representative on XXXX XXXX or thereabouts, this is preying on people in tight financial situations and then switching the offer and proffitting from it by this practice. 

I have used other cards tied to airlines and the process is seamless. You apply, you get approved, you get your $ off with little or no wait. 

I don't expect JP Morgan to make this right at this pint, but I want to make your agency aware of this very shady practice to protect others.
Product: Mortgage

I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % XXXX and they denied my petition since they don t recognize that the investor is XXXX XXXXThey just keep mention that my investor don't let me to eliminate or remove the XXXX  and by federal law and or regulation is supposed to be removed or at least I need a reasonable answers or options other than make a full refinance.
Product: Credit card or prepaid card

XX/XX/2021 Was declined use of my Discover card at a gas station in XXXX, Ohio because I was over my credit limit. 

Pulled up my account online on my mobile phone and all transactions listed and posted do not exceed my credit line. 

Phoned Discover customer service and was on the phone for for a total of 1 hour and 23 minutes trying to resolve the problem.

The problem, they told me was that my account was being held for ( 4 ) transactions to XXXX of {$51.00} on XX/XX/XXXX. I claimed I did not approve those transactions and the transaction I did approve had already posted to my account on XX/XX/XXXX23rd of {$51.00}. I am not able to view these " held '' transactions on my online account and am wondering why I am being held accountable for them????? And now unable to use my card because of them when I clearly have the available credit. 
I insisted that a complaint be filed and after much persistence I had the Discover rep with an ID of XXXX and the complaint memo line # XXXX. 
I attempted to phone Discover again ... this time 36 minutes to see if the situation would end differently with another rep and had the same response. Pending transactions have 10 days to post and their is nothing they can do until a transaction posts. Except, they hold the consumer responsible for it by counting it against their credit limit! 

How can a credit card company hold you responsible for pending credit transactions for up to 10 days and when you are unable to access this information from your online account. Their customer service reps couldn't even see these pending transactions that they were holding against me!
Product: Debt collection

Credit control has been taking money out of my account and has gone over our agreement payments. We agreed on a settlement to them of {$5000.00}. I have started making payments XXXX, XXXX, of XXXX twice a month. My last payment would have been XX/XX/XXXX. I have paid them over XXXX so far and the agreement is only supposed to be XXXX. This is fraud and over payment. I want them to return my over payments to me. 

XXXX XXXX XXXX Credit Control Acct : XXXX XXXX XXXX XXXX MO
Product: Debt collection

On XX/XX/2017 Midland Funding opened a collection. 
Account # : XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my credit score drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at XXXX XXXX XXXXXXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted XXXX to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made XXXX attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully XXXX from a chapter XXXX bankruptcy and am establishing my credit. This inaccurate reporting has hurt me significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completely remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disputed fraudulent items completely from my Credit File : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX  XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX between XXXX pm and XXXX pm at an ATM machine located inside of XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. {$1700.00} dollars were removed from my checking account. I had my debit card with me and I was in XXXX XXXX Fl working. My location can be verified by the GPS on both my company phone and company truck via my employer as I was working at the time. I can verify my card was with me because it was declined at a XXXX in XXXX XXXX at the same time. I was forced to use my digital card to make a purchase. I also received emails from Chime regarding my password being changed and asking me to rate the level of service regarding the problem they addressed. Only it wasnt me.