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

On XXXX XXXX, XXXX I opened a checking account using code XXXX, which I got from Citibank 's website. I have a screenshot of the offer.The terms of the offer stated if I made a deposit of {$50000.00} within 30 days of account opening and left it for the next 30 days, I would have a {$500.00} bonus deposited to my account. I made a {$50000.00} deposit 12 days later and left all of it there for over the next 60 days. I asked about the offer over the phone. I got a secure message on XXXX that the bonus would be posted within 90 days of the offer fulfillment, which would have been XXXX plus 90 days. It was never posted. I called again on XXXX and was told that they would have to research it ( XXXX ). The rep on the phone said if I did n't hear anything in XXXX or 4 days to call back and give them that number and they would expedite. I called back 5 days later and was told the same thing, that they would expedite the research. I called again today for the third time in 2 weeks, and was told again to wait while they expedited. I see from looking at the CFPB database that this appears to be a common complaint. If I had known this, I would not have even bothered to open the account. I have had a Citibank credit card since XXXX, a loyal customer for the past 29 years, just not a checking account with them. I was impressed with their quick response to my phone call in XXXX. I am disappointed with the lack of response to my last calls. It almost seems like a stall tactic now.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;
Product: Credit reporting or other personal consumer reports

i am writing to dispute the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXELAN FANICIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX to my knowledge i did not authorize these creditors to access my information i called XXXX companies and they said they could not find me on file for a account with Td bank or commenity bank i also do know the others are unthorized and would like them removed please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with Experian and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with Experian but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.
Product: Credit card

On XX/XX/year>, I made a {$530.00} purchase via the Chase Travel portal on my Chase Freedom Unlimited credit card. I specifically made this purchase to receive a promotional credit, as advertised by Chase Bank on the app, for {$100.00} back with a Chase Travel purchase of at least {$500.00} on my Chase Freedom Unlimited card by XX/XX/year>. I never received this credit from Chase Bank ; therefore, on XX/XX/year>, I called and spoke with a Chase representative who created an escalation case and told me that I needed to send a message on the Chase app including proof of purchase. Accordingly, on XX/XX/year>, I submitted a message to Chase through the app indicating that I was waiting to receive the {$100.00} credit and providing an attachment that showed my email receipt for the travel booking made through the Chase app, including a time stamp showing that the purchase was made on XX/XX/XXXX. Over the next two weeks, I received several conflicting messages ( via app ) from Chase Card Services stating that my request had been forwarded to another department, that I would receive a response in one to two business days, and that Chase Card Services was experiencing a large volume of requests. On XX/XX/year>, I emailed Chase again via app to say that I never received a response to my message. On XX/XX/year>, Chase Card Services sent a response on the app saying that my purchase wasnt eligible because the purchase was made with my Chase Sapphire Reserve card. This response is untrue as the purchase is clearly posted on my bank statement for my Chase Freedom Unlimited Card. 

Around this time, I also received a letter in the mail dated XX/XX/year>, from Chase that states that my credit was refused because the purchase was made on XX/XX/year>. This response clearly ignored my original message with the time stamp proof. 

Since receiving the two conflicting and inaccurate responses, I have tried calling Chase multiple times and have spoken to several Chase representatives who have been unable to help me, despite verbally agreeing that the responses from Chase were erroneous. During those discussions, representatives have said that they would transfer me to a supervisor only to put me on hold for another thirty minutes, send me to an automated line stating a wait time of over 30 minutes, and send me to another representative who simply makes me file another escalation as Ive already done once. I have also sent multiple messages via the Chase app, and nobody has responded to me. 

In conclusion, despite verbal acknowledgment from Chase representatives that I am owed a {$100.00} credit, Chase Card Services has failed to truthfully and adequately respond to my complaint in writing, citing several conflicting and erroneous reasons for failing to credit my account in accordance with an advertised promotion on their application ; and is currently refusing any timely help or rectification to this issue, including the issuance of the {$100.00} credit that I am legally owed.
Product: Checking or savings account

We discovered today that we have been charged a $ XXXX  monthly service fee since XX/XX/2021 without any notification. The terms of our account with Bank of America state that if we keep a minimum of {$3000.00} in the account we would not be charged any fees. We received no notice of any change to these terms. We requested a fee reversal of {$160.00}. Bank of America stated that they would only refund {$16.00}. We requested an escalation to a manager. The request was denied by the manager. As there was no notification of a change to our terms, this fee should be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Inquires on report and still continue. Have block access with sage stream, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX is reporting inaccurate information to my credit report. This violates my consumer rights under the Fair Credit Reporting Act 15 U.S.C. 1681, by which credit reporting agencies must report complete, verified, and accurate information. 

The above account is showing account closed on XX/XX/XXXX, Last Payment XX/XX/XXXX, and several payments, late payments, XXXX balance, etc... 
The information is inaccurate and should be deleted immediately. 

I have contacted creditor and credit bureau to delete the inaccurate information.
Product: Debt collection

Jefferson capital continues to report an alleged debt to my credit that is well over seven years old and refuses to stop collection, attempts, and reporting.
Product: Checking or savings account

On XX/XX/2018, I went to chase ATM at the XXXX, IL location terminal XXXX. I made a deposit of {$410.00} in the middle of the transaction the atm rebooted and the money was in the machine. I called Chase right away while the card was in the ATM. The representative advised me to take the card out the ATM to give him the last four numbers of the card. I removed the card the machine came back on and I checked my balance and the money didn't go to my account. I made a claim and the claim was denied. They won't go look at the cameras or anything. I don't feel like I should take a lost of {$410.00} because of an error at their ATM.
Product: Mortgage

On XX/XX/XXXX I closed on a cash out refinance with M & T Bank. Unbeknown to me, the FHA HAMP loan I received in XX/XX/XXXXwas missed during the title search by the title insurance company that M & T hired. In XX/XX/XXXX I was contacted by HUD that my HAMP loan became due when I refinanced. I did not know this. They want me to pay {$2700.00} a month in addition to the {$2600.00} I pay for my mortgage. I am not in a financial position to to that. I was working with M & T for two months and they filed a title insurance claim. Last month they told me to get an attorney as they are only concerned with their rights not mine. I had to borrow {$2000.00} to pay an attorney and she is working with HUD on getting a lower payment plan. Now HUD has put this HAMP loan on my credit report as a collection account which has caused not only my credit score to go down but I am unable to cosign a student loan for my daughter who is a straight A student and supposed to start college in the fall. All of this is happening because M & T and their title company made a mistake. I never should have been approved for the refinance. I need help with M & T as they need to take some responsibility in this. If the title insurance company grants M & T 's claim then I should benefit from that relief. PLEASE HELP ME!!!!
Product: Credit card

Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges.
Product: Debt collection

I received a phone call from XXXX XXXX I was told that I owe them {$37.00} well luckily I think the call dropped. So I called the number back and it wouldnt go through. So I contacted customer service at XXXX and they said we never call you in regards to a bill we will text you. So then I got a bit worried I kept getting the same phone call and I said XXXX XXXX Call me. So then I got a call from a collection agencyCalled AFNI And they are telling me that I owe them {$37.00} on behalf of XXXX. XXXX like what the heck I have repeatedly and I mean repeatedly dozens of times called XXXX to make sure that I dont have a {$37.00} bill I had just paid {$620.00} I really wouldnt give a XXXX about {$37.00} bill. So they keep calling me and then I get a bill saying that Ive been sent to collections I dont even know what to say I dont know what to do I am at the mercy of these criminals and I just dont know what to do
Product: Credit reporting or other personal consumer reports

NOT A HARD INQUIRY KOHLS HAS NOT FIXED PROBLEM
Product: Student loan

A student loan was taking out in my name never had a student loan with XXXX afiled all necessary paperwork several times and all they keep telling me is refile they havent recieved anything and its to the point something needs to be done i have taken legal actions as of of a police report about the incident and its still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified goodwill letter to Capital One Executive Resolution on XX/XX/ to remove late payments on my credit report. I explained that during the time I was have a financial hardship. After no reply, I sent an email to the CEO on XX/XX/, including a similiar goodwill letter, explaining my finaicial hardship and my loss of wages. I received a phone call on XX/XX/ that my account was going to be investigated. I was told today, XX/XX/ that they are not willing to change the status. I'm currently in good standing and I am working towards improving my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initiated a dispute with Transunion on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Transunion of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by transunion for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
Product: Credit reporting or other personal consumer reports

I provided Trans Union with valid information for identity theft for 3 items that were reported as identity theft XX/XX/2024 and they have not deleted or removed said items. I gave them proof of FTC filing report of ( XXXX XXXX  ) account ( XXXX  XXXX XXXX XXXX XXXX ) auto loan as well as ( XXXX  XXXX XXXX XXXX XXXX ) Installment loan ( XXXX XXXX XXXX XXXX ) ( XXXX  XXXX ). I also provided them with proof they were all deleted from XXXX reporting agency XXXX & XXXX. They are violation my consumer rights, FCRA in noncompliance, 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active-duty alerts. As well as inaccurate information 15USC 1681E Compliance procedures b Accuracy of report. When ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please have them delete and or remove these items in 7 days or sooner or I will seek legal remedy through smalls claims court ASAP.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made wire transfer ( {$XXXX} from my checking account ) via Bank of America website to my father whose bank is in XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ). For some reason, my XXXX  could not receive it so I reached out to Bank of America wire transfer department, and they said beneficiary information was incorrect so it could not go through my XXXX  's account. That was already XXXX weeks after I attempted my wire transfer. So then I wanted my money back so I informed Bank of America that I want my money back. Ever since that I have been waiting for my money for this entire XXXX but still I haven't got it back. I reached out to Bank of America wire transfer department multiple times, and all they said were " We are still waiting for the other bank sending money back so we can credit it back to your account. '' It's been already more than 1 month since I attempted wire transfer and I still don't know where my money is. 

I even asked Bank of America what the intermediate bank is hesitating to send my money back so maybe I could reach the bank directly by myself to make this case handling faster but Bank of America refused to give out that information.
Product: Credit reporting or other personal consumer reports

It was XXXX late payments reported for XXXX and XXXX of 2023 and I don't recollect having any payments late and this is a direct violation of my rights in the Fair Credit Reporting Act XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off my lease in 2016. When I recently tried to transfer my vehicle the XXXX  DMV office stated US Bank was still reflected as owner of the vehicle under the lease ( which was paid off XXXX XXXX years ago ). All i ever received from US Bank was a lien release in 2016 which was useless because they were still listed as owners of the Vehicle! I contacted US Bank customer service numerous times for a power of attorney so I could re-title the vehicle and sell it and each time was assured one would arrive within 7 days. It has been 2 months and still have not received the power of attorney or even a phone call or letter from US Bank. My buyer pulled out of the sale and now i have lost over XXXX XXXX dollars in expected proceeds from the sale. Not to mention 2 days pay because I needed to take off and go to DMV and was unable to complete the retitling process. ( XXXX  DMV requires an appointment-usually weeks in advance so i needed to take off ahead of time with the expectation that i would have the POA ).
Product: Credit card

I lost my job and was struggling to pay my bills. This card already was over XXXX % interest. I missed several payment. They sent me a settlement letter in the mail to pay {$1200.00} instead of XXXX or XXXX that were on my balance and close it. Instead I borrowed {$500.00} from a friend to bring it up to current, made another couple of timely payments, and received a letter that my interest rate is going up even higher my annual fees are going up dramatically because they lose money on me. Yet, I have paid them about {$750.00} in the last XXXX months and my balance is still {$1600.00}. So I contacted them asking for the settlement that they sent me a few months back because I just can not pay it nor incur such draconian fees. The best they could go for me is to close my account and help me pay everything I owe them. instead of trying to help me, theyre trying to suffocate me when Im down. I just wanted to settlement so I can pay it off and we both move on in our separate directions, but the settlement is not extended any longer and I have to pay the full amount after already paying half of it and having the same balance. Disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act Convergent hard inquires, 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 an account without my written instructions. Hard inquiry - XXXX  : Transunion on XXXX. Hard Inquiry : US Department of Education : XXXX on XXXX, XXXX Bank : XXXX on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a place to live for over a year due to inaccurate information being reported on my credit report by XXXX, XXXX XXXX, XXXX, XXXX XXXX and others. I have contacted these companies as well as received information from the court that stated they did not report this information that these companies took it upon themselves to report this information that has caused me to have issues with finding a stable place to live. This situation has caused a great deal of dramatic damage mentally and physically. This has tarnished my reputation as a consumer and put me in a bad postion.
Product: Credit reporting

I have been trying to get Credit Karma to update my correct address. I have provided them hard proof yet they keep telling me that XXXX is giving them the information. XXXX sent me XXXX hard copies with my proper address. Credit Karma refuses to correct the incorrect information. XXXX has tried to contact them but Credit Karma is not changing the information to match. The issue is my address is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. This makes it difficult to give my credit to people to check because the information will not match and Credit Karma refuses to put the correct information. I am attaching all my emails from Credit Karma and from XXXX. Please get Credit Karma to do the legal thing and make them change the information to match, so all my credit bureaus information matches. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from XXXX XXXX stating that I had a new collection pop up. I then got a letter from IC System stating that I owe {$4900.00} for a XXXX XXXX. I called IC system and they informed me that this is a XXXX XXXX for an address in XXXX, PA. I told them that I never lived there nor know anything about the address. IC System asked me to provide proof that I lived elsewhere during that time frame and and I mailed that it. they then asked me to file a police report and I have done that too. This negative mark has drastically dropped my credit score and has been a complete defamation of character. I regularly use my credit for my business and this has stopped me from doing so. The incident number from my police report filing is XXXX. The XXXX XXXX police dept does not release the actual police report but just the incident number and i will upload proof of that. 
IC Systems will not remove the negative reporting even though I took every step that they asked of me.