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

I am a delivery driver for XXXX, and JPMorgan Chase Bank advertises a {$200.00} bonus for XXXX drivers who open a brand new Chase Total Checking Account and use the instant cash out feature within the Grubhub app to send funds to that new account within 90 days. After satisfying these conditions Chase advertises that they will deposit the {$200.00} within 10 business days. 

I completed these requirements and never received this bonus. The account was opened on XX/XX/2020 and I performed my first cash out on XX/XX/2020. Well within the 90 day window stated in the promotion. 

I waited the 10 days and did not receive the bonus. At first I thought maybe they were backed up or behind due to the various situations in the country right now with the virus, etc. I held out hope that they would eventually honor their own promotion. 

After another couple of weeks or so beyond the stated 10 days I reached out to Chase on XX/XX/2020 to see what was going on. I was told that promotions like this one require a coupon code and that one was not applied to my account. I was also told that coupon codes can not be applied more than 21 days after the account opening, so I am ineligible to add one retroactively. My problem is that there was no coupon code listed with this promotion. I read and reread the promotion and its conditions several times both before I created the account and again after receiving that response. There is no coupon code listed. How can a promotion require a coupon code that does not exist and/or is not provided with the promotion. This is deceitful. 

Here is a link that details the promotion, it is at the bottom of the page in the grey box : XXXX XXXX XXXX # numberone I am also attaching screenshots of the details of the promotion from that link in the documents section of this complaint form. 

I did everything required on my end, but Chase did not honor their own advertisement.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I waited patiently on a short sale house ( XXXX ga ) for a year. Did everything I was suppose to do, like keeping all papers upto date. Even signing amendments as if the attorney had everything under control. Then to be told by my realtor that my case had just been whipped out of the system and he ca n't get intouch with anyone was very unfair to me. I put my life on hold believe that this home would soon be mine. To being told it was in foreclosure and there was nothing I could do about it. Is truely unfair to me and my child. If the bank knew that they had no intentions on letting me buy the house a denial letter should have been sent not having a person wait for so long and still not go about the situation the correct way. Now I have to crush my XXXX year old heart by telling her a house that we thought was ours, we never had a chance of owning. Thanks to Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with Equifax about my credit reporting. I asked for information showing I was 30 days late in XXXX. Nothing has been sent to me. I also contacted XXXX  XXXX  and they stated they give the bureaus the information every XXXX of the month and my payments are due every XXXX of the month and as of now I am current with only XXXX payment being due with the company. All other payments have been made. I contacted the credit bureau already about the information being inaccurate and they still updated it to 30 days late. This is tremendously frustrating and hurting my score. I am asking for this misinformation be updated immediately.
Product: Checking or savings account

Overcharged for fees XXXX a month and also had mortgage through this settlement
Product: Credit card or prepaid card

The credit card is a CITI XXXX from store XXXX. On XX/XX/2021 i was charged {$21000.00} for a service that was not existing. I contacted them by phone on Monday XX/XX/XXXX. They started investigations about the fraud. On XX/XX/XXXX the credit card investigator contacted me and confirm it was a fraud, i would not be charged for it. On XX/XX/XXXX The credit card Auto pay charged {$21000.00} to my checking account. I contacted the Credit card immediately to ask how this was possible, it was not correct. The answer from their contact over the phone told me : " we are going to return your money in 3 to 5 business days ''. This did not happen. Again on XX/XX/XXXX I contacted the credit card company, because the money was not returned. I got the same answer from a supervisor " Money will be returned in 3 to 5 business days ''. Today XX/XX/XXXX i contacted them one last time and i obtained a similar answer " Fraud was confirmed and they will return my payment of {$21000.00} in 3 to 5 business days '' In simple terms They agreed in XXXX that there has been a fraud on my card for {$21000.00}. Their Credit card through auto pay charged me {$21000.00}. And they are not returning the amount of {$21000.00} to my personal account. 
sincerely
Product: Checking or savings account

Ally Bank has left me helpless, again. 

Despite opening a new account, changing passwords, resetting 2FA, and jumping through every hoop requested, I am locked out of everything involving my Ally bank accounts. 

I do not have access to my funds, I am not able to review my account or see letters, respond to requests for information, chat, or follow the course of the investigation into a series of events relating to identity theft of my existing bank, and crypto accounts. I can not even attach updates for your agency. 

I have been targeted in account takeovers, and identity theft. I do not understand how this was done, other than discovering remote access XXXX XXXX XXXX  software on my system, and additional malware. The account used to buy crypto was an account with an exchange called XXXX, this account had been in my name and was inactive for a long time. My last authorized use on this account was to the best of my knowledge back in XXXX of XXXX. 

A series of withdrawals were made from my account with Ally Bank, and used on XXXX  to purchase XXXX. The combined totals are {$6300.00} {$410.00} {$780.00} {$170.00} {$450.00} {$11.00} {$220.00} XXXX {$770.00} {$770.00} {$600.00} {$170.00} {$130.00} Ally bank was provided with disputes, spread out over several days as I had to wait for those transactions to clear. I did NOT authorize withdrawal of any sum on XXXX from my Ally account, nor did I link that account. I was astonished to see the account was linked, and I remain baffled as to how this was done. I had linked that account back in XXXX to XXXX XXXX 

Ally asked me to work with XXXX, and I did this for the past week extensively. 

Ally opened a new account, and then my second restriction on access to available funds were locked up in a fraud investigation. I'm frustrated, however I understand the need to do this. I was told they could hold my funds for 2 days. Now, a full 6 days past the original restriction, all accounts are both locked up and funds not issued provisionally are also restricted. When I inquired, I was told there is no time restriction on accessing my own money during a fraud prevention investigation. I was asked to be " patient '' while the bank works with XXXX. 

Ally claims they are waiting to see what credits XXXX will post, I am not seeking double credits on anything. I'm simply trying to recover and get by. Obviously, if XXXX has credited me, Ally should withdraw the provisional credit for that amount. 

XXXX, on the other hand, closed my account, and is refusing to work with Ally. They will not release any information directly to any person outside of law enforcement. I believe this is to limit their liability. If the hack uncovered a vulnerability or exploit on XXXX end, which in this case I suspect it did, it would be detrimental to their platform for this to be public. 

That leaves me waiting in limbo indefinitely. I can not be held hostage while these companies refuse to progress further in their investigation. What are my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX as violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed when checking my credit that XXXX XXXX XXXX claimed that a account was charged off, i asked for validation off the account because i do n't own a XXXX XXXX account they replied back that they do n't have any papers and this account was shut down and sold to a collection company named LVNV Funding INC, i asked LVNV Funding INC as well for Validation and received a letter stating that the account was closed. I also requested XXXX I would Like Proof As per Sec 605, 609, and 623 Per FCRA and received noting, XXXX is required to provide proof Per 609 and failed to comply, I spoke with a supervisor at XXXX XXXX XXXX named XXXX ID # XXXX and was told that they sent over all documents to LVNV and to contact them they have nothing but they claimed to verified and updated my XXXX  credit report on XX/XX/XXXX. Resurgent Capital ( LVNV ) sent me a letter on XX/XX/XXXX stating they will be request to delete tradeline it still reporting as of XX/XX/XXXX
Product: Credit card

I, the consumer and natural living person, was denied credit by Synchrony Bank when I applied for a credit product with Belk.

Denial of my rights to credit is against the law according to the Equal Opportunity Credit Act and you are subject to criminal liability for violating 15 USC 1691 as I have pr
oof I was discriminated against by Synchrony Bank due to the response I received.

I, the consumer, made an application in good faith, but credit was not issued. Hence, Synchrony Bank is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002.

Because my social security number ( credit card ) was used and I received NO Benefit from entering this contractual agreement. This is proof of securities fraud and unauthorized use of my personal credit card by Synchrony Bank. 

If Synchrony Bank denies to make any reasonable effort to remedy this situation and compensate me for the use of my securities ( credit card ) I will make Synchrony Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

Failure to remedy this situation will result in an invoice for {$1000.00} per violation. 

Thank you, XXXX, XXXX XXXX ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved
Product: Debt collection

I received a collection letter for two medical charges of {$110.00} totaling {$260.00} for services by XXXX XXXX XXXX a XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX NY where I spent XXXX days with XXXX XXXX. The charges were for services received on XX/XX/2022 and I paid these charges in full with my XXXX XXXX card on XX/XX/XXXX with the XXXX payment app. I submitted proof of payment to Action Collection Agency in XXXX yet they continue to harass me for payment. I consider this matter closed and want my name off their records.
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:XXXX
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a balance transfer to move the full balance of my Capital One credit card to my XXXX XXXX credit card. The amount to be transferred was {$11000.00}. The fee charged by XXXX XXXX for the transfer was 4.99 % ( {$550.00} ) and the term of the transfer was 0 % for 12 months. When I initiated the transfer from XXXX XXXX, I didn't have my Capital One credit card on me so I used the virtual card number provided by capital one as the recipient of the transfer. 

On XXXX I reached out to XXXX XXXX  because I hadn't seen the transaction completed/posted with either bank. XXXX XXXX confirmed that they had issued a check on XX/XX/XXXX and sent the payment to Capital One and that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX I saw the transaction post to my XXXX XXXX card for the full value of the balance transfer ( {$11000.00} ) plus the 4.99 % fee but there still wasn't any record of this on the Capital One side. 

I waited until XX/XX/XXXX but when I still hadn't seen anything reflected in my Capital One account I reached out to their customer service line. I explained the situation to the Capital One rep and they requested that we initiate a 3 way call with XXXX XXXX so they could get the details of the balance transfer and confirm things on their end. After initiating the call and getting the check details from the XXXX XXXX rep, the Capital One rep informed me that the transaction wouldn't have gone through on their end because I used the virtual credit card number when initiating the transfer. They said that the transfer would have been rejected on their end and that I should be receiving a notice in the mail that the transfer was rejected and the money would be returned to XXXX XXXX within 2 weeks of the date the check was received ( i.e. XXXX ). 

I asked how long I should wait before calling back but the Capital One rep had already hung up the phone. However, the XXXX XXXX rep who had joined the call told me that the payment should have already been returned to them and suggested that I file a claim with their fraud department. She transferred me to that department and I initiated a fraud claim since Capital One had cashed the check but hadn't reflected the payment to my account. 

On XXXX  I got a letter from XXXX XXXX stating that they had completed the investigation and confirmed the dates I provided above ( check # XXXX issued on XX/XX/XXXX for {$11000.00} and cashed by Capital One on XX/XX/XXXX ). They enclosed a copy of the cashed check and said the matter was considered closed on their end. 

In this experience XXXX XXXX was extremely helpful and gave great customer service but Capital One has been completely unhelpful and from what I can see they took the {$11000.00} from XXXX XXXX and have no intention of returning it or covering the cost of the balance transfer fee which was charged to me by XXXX XXXXXXXX because Capital One cashed the check ( despite their rep telling me that the transaction would have been rejected ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Self-Financial credit card account-XXXX off and received verification that my account was closed on XX/XX/XXXX and I would receive a payout of {$220.00} via XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX I received an itemized break down from Self-Financial and was informed " the payout is what you paid in less the interest on the loan and any fees to date. '' Here is the itemized breakdown of the payout : Total Paid {$580.00} Total Interest - {$44.00} Returned Payment fee ( s ) - {$0.00} Late Fee ( s ) - {$17.00} Early CD Withdrawal Fee Accrued CD Interest - {$0.00} + {$0.00} Self Visa Credit Card Deposit ( if applicable ) - {$300.00} Payout Owed {$220.00} After receiving my payout, I was assured the account was closed. 
Unbegnknownst to me, In early XX/XX/XXXX I became aware the account was still active and accruing interest in addition to late fees upon receiving a notification from my credit monitoring report. 
The worst part is that self-financial reported the account that had been previously closed to the credit bureaus, negatively impacting my credit report on false records. This is ironic, as Self-Financial literally advertises that the company will boost your credit score. 

I would like the outcome to be that my all late fees are credited back to my payment account on file XXXX and that the false information be removed from my credit report as Self-Financial has negatively impacted my ability to obtain new credit. 
I have tried working with the company several times and even requested a goodwill letter for the sake of my credit, but even the goodwill letter request was denied, although I did nothing wrong as the account was paid off.