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

The Citibank abused me by manipulatingmy retirement savings. Citi mailed me the offer in XXXX XXXXand promised the signupbonus but refused to pay It. The Citi Bank just got an advantage from my savings. 

I contacted Citi 3 times via XXXX : In XXXX they told me that the bonus will be paid in XXXX month later .In XXXX I called twice to open an investigationbut they played the dirty game by referring me to different promotions that started on XX/XX/XXXX instead of XX/XX/XXXX. The docs are attached.. 
Citi doesnt accept electronic communication and used just voice to prevent any records in customers needs.. Is that acceptable? Mailing option is not reliable and takes weeks and weeks.
Product: Credit reporting or other personal consumer reports

Errors in my payment history have appeared on my credit report. Please fix and update accordingly
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service & unfair practices, which violate the Comsumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. These actions have caused significant inconvenience & financial loss, & i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account on several occasions and Experian keeps saying the account has been verified. I sent several letters requesting Experian provide me with the information on how the company XXXX  XXXX and validated this account and each time I have never received the information. In addition each time that I disputed this account i also provided a email between myself and the company with them stating that they could not find an account with my information.
Product: Payday loan, title loan, personal loan, or advance loan

I bought aligners from XXXX XXXX XXXX in XXXX through HFD ( healthcare finance direct ) as the XXXX XXXX payment processor, and I am expected to make monthly installments. 

In XXXX, within my 30 day refund window, XXXX  XXXX went bankrupt. I requested a refund within the window due to the bankruptcy. 

I provided the information they requested to lookup my account and they replied saying, Hello { my name }, We have received your email. 

Unfortunately, it seems that we are not servicing your account. Therefore, we are unable to assist you with any questions or concerns. Please continue to monitor the XXXX  website at XXXX  for any further updates. 
I can not contact XXXX XXXX as ALL OPERATIONS have been shutdown. 
However, within a matter of days, a payment came out of my account under the same creditor name. I replied : So you ARE servicing my account, and I ask for a refund within my 30 day refund window, and XXXX does not have support at the time so how does a refund get processed now that its taken me weeks to figure out my account still exists. 

This resulted in an email telling me to setup an account ( which I already had and could not access ). I am not making anymore payments until I know how my loan is being handled and how to get into my account. 

I continue receiving emails from HFD saying my payment is late ( even though according to them, my account doesnt exist ). My bank has been instructed to hold all payments to this company until I hear news about the process. Very frustrating as I dont really know who is responsible as creditor anymore which seems untrustworthy and I dont feel comfortable adding more money to a product I wanted to return within my window nor receive any services moving forward from them.

Holding consumers in this limbo while requesting payment for services unrendered is fraud and Im not willing to give in, and I hope nobody else is either.
Product: Money transfer, virtual currency, or money service

Good afternoon, Ive been a customer for capital one for many years and Ive never had a problem in till yesterday. 
I woke up on payday to expect my hard earned money to have been deposited into my account but there was nothing. I still dont have my paycheck the next day and no updates in sight. 
I tried calling my banks customer service earlier today 5 times but anytime I got to get to the point when I could talk to someone It hung up. 
This situations been becoming extremely stressful and infuriating. Ive got bills that are due and I dont want to get hit with a late fee because my banks unable to give me my money when Im suppose to. 
Thank you for your time, hopefully things are fixed XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, Cadence Bank merged with Banccorp South to become a new Cadence. This is also the month my homeowner 's policy was set to renew. I renewed with a new company called XXXX. My homeowners policy when I purchased the home in XX/XX/XXXX was XXXX. I had coverage with XXXX until XX/XX/XXXX and then I picked up coverage with XXXX to begin XX/XX/XXXX. The premium for XXXX was paid in XXXX, however, rather than pay the full premium for XXXX, Cadence paid the bill monthly so that I could build up escrow. The last bill that was due to XXXX for coverage provided from XX/XX/XXXX until XX/XX/XXXX was due in XXXX but never paid by Cadence. I kept getting emails and bills in the mail from XXXX about this, as well as threats to be turned over to collections. I informed Cadence of this, had to explain myself about 50 times until they finally said they understood and that it would be paid. The next letter I got was a notice that I had been turned over to collections. I've fought with Cadence for the past 2 weeks to get them to pay this bill, which now has to be paid to the collections agency rather than XXXX or it will keep me in collections. They refused and instead, AGAIN, said they would pay XXXX. That was today. I'm stuck in collections now due to no fault of my own and I've not gotten so much as an opps I'm sorry from Cadence. No one seems to act with any sense of urgency. I'm at my wits end.
Product: Checking or savings account

I opened an HSBC premier checking account with HSBC with the offer to get {$450.00} after meeting 3 direct deposits of {$5000.00} during 120 days. 

I made the following direct deposits : XX/XX/2020 : {$5000.00} XX/XX/2020 : {$5000.00} XX/XX/2020 : $ 5002 Months have passed and HSBC has refused to post the bonus. 
Despite multiple follow ups, they give me the run around and have failed to honor the promotion. It is to be noted the promotion is still active and even advertised on HSBC.com. see below for the link https : //www.us.hsbc.com/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC has engaged in blatant bait and switch. I met the terms of the offer and they refused to honor it and have given me the continued run around.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I was charge for out of network fees while using an in network atm. I was charged {$2.00} twice.
Product: Credit reporting

XXXX of the addresses listed on my credit report XXXX XXXX XXXX XXXX is incorrect. I have never lived on XXXX XXXX XXXX XXXX XXXX, Md. XXXX
Product: Credit card or prepaid card

Back a few months ago I saw a charge on my account that I did not recognize. I contacted the company because I thought the charge was fraud. A few hours later I found out what the charge was from, and called back to let them know all was well, and it was not fraud after all. They still conducted a fraud investigation. My account was locked. I could not access my online account. If I called their customer service number, their system could not locate my account with my account number or my social security number. My account was non existent in their system, so I couldn't even make a payment. That didn't stop them from harassing me and putting a late payment fee on the account that didn't exist. 

I did eventually make a payment by phone, for an amount that I could not afford. But the mishandling of that incident, and finding out that the interest they are charging me is illegal in my home state of Pennsylvania caused me to want no more to do with them. 

Of course the harassment continues. I also find it interesting that their number shows up on my caller ID as spam risk. They were calling daily, which I also believe is illegal. On XX/XX/XXXX of this year I spoke to a representative and formally requested that they no longer contact me. 

Today, at XXXX XXXX, they called again. That is more harassment.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you so much!.
Product: Checking or savings account

PenFed credit union, which has a history of being defrauded ( most likely due to inept Know Your Customer enforcement ) has sent me letters that my account is overdrawn. I have never opened an account with PenFed. I have contacted PenFed  repeatedly, and they are refusing to investigate the issue until I file a police report. 

To be clear, I have never signed a contract or opened an account with PenFed, thus I do not have a fiduciary duty to them in any capacity whatsoever. They are demanding that I file a police report prior to their opening an investigation. As I do not have any relationship with them whatsoever, I am not in any way compelled to honor their request. 

The account that they are claiming is associated with my name was opened in XX/XX/2020, thus it is less than 60 days old. During that time, one or more checks was deposited into the account, and subsequently returned by the issuing institution as fraudulent. During that time, PenFed allowed the account to be overdrawn by {$5400.00}. That is grotesquely negligent. 

Due to the XXXX  breach last year, the names, addresses, and social security numbers for virtually every American are available online. If PenFed is allowing people to open accounts with that information alone, they are not simply negligent, they should be both civilly and criminally liable. I have requested PenFed provide me with the signature and photo identification that was provided when the account was opened, and they have refused. 

PenFed was defrauded last year for a XXXX dollars in the exact same fashion. 

XXXX XXXX XXXXXXXX  Apparently they have learned nothing, and have taken zero steps to enhance their Know Your Customer compliance. If every bank and credit union in the country were as lax as PenFed, I and every other American would waste hundreds or thousands of hours a year filing useless police reports. It is PenFed 's DUTY to investigate when they have been defrauded. It is not my responsibility to take any action prior to their investigation. This is especially true as the account in question was opened fewer than 60 days ago. 

I have contacted the Chairman of PenFed via this webpage, XXXX XXXX XXXX  I have also contacted their CEO XXXX XXXX via  XXXX  XXXX 

As of XX/XX/2020 I have not received a response.
Product: Debt collection

I had a checking account with XXXX Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by XXXX XXXX. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, XXXX XXXX  added 6 overdraft fees ( NSF ) for a total of {$220.00}. 

In mid XX/XX/XXXX I receive a letter from XXXX XXXX stating the account was in negative balance. The same day XXXX received the letter I went to my local XXXX XXXX   branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted. 

I did not hear back from XXXX XXXX until early XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted XXXX XXXX again and the claim has been re-initiated, but I do not have confidence any action will be taken. 

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting. 


A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 


Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance  procedures XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX, NC XXXX BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
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. XXXX Account # XXXX XXXX5 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, XXXX My wife and I traded her XXXX XXXX XXXX in on the XXXX XXXX Total payoff for the XXXX was {$5500.00}. XXXX The dealership gave us {$4000.00}. We also put down {$500.00} as well. The purchase price for the XXXX was {$26000.00}. The loan interest rate is 14.95 % so it cost {$15000.00} in interest payments for the life of the loan which is 72 months which brings the total amount financed to {$44000.00} for the vehicle.The payment for the vehicle is due on the XXXX of every month. Global lending services starts calling me and my wife by the XXXX of the month every month XXXX times a day sometimes more. They have went as far as calling our next door neighbors and threatening my wife that she had no rights and they could do so as it was legal. Upon having the vehicle for less than a year XXXX was forced to issue a recall on the transmission due to a software error that caused the engine to stall and increasing the risk of crashing. I had made several attempts to get the vehicle in and have been told that service departments are backed up. My wife was on her way to work on XXXX XXXX when a vehicle went to merge into her lane without seeing her causing my wife to slam on her brakes which caused the car to shut off which locked the steering and she was almost hit by a semi truck behind her as well as XXXX beside her. Thankfully both semi truck drivers avoided her by XXXX knifing their vehicles in the middle of the interstate. My wife is terrified to drive the vehicle now due to the constant issues with the transmission causing the engine to stall as it has happened a total of 7 times. I went to trade the XXXX in on something else and am told the pay off for the XXXX is {$30000.00}. This company is a predatorey loan company as they refuse to reconcile the loan terms or anything besides constantly having different employees call my wife with different dollar amounts due even if the payment is on time. I have all original loan documents as well as statements from neighbors of the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
Product: Credit reporting or other personal consumer reports

according to 604e FCRA the following closed accounts needs to be removed of my credit report. The Credit bureaus XXXX, XXXX or XXXX did not verify or investigate the closure of the accounts listed on my credit report. The following listed closed accounts need to be removed. XXXX XXXX, XXXX XXXX XXXX  and XXXX.
Product: Prepaid card

Hi call the company and dispute a translations for nonpayment of ATM and the company close my account and I try not to give me my money back they do not want to give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP  writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, MEDICAL, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} FOR treatment resulting from XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$12000.00} and have FAILED TO DIRECTLY COMPENSATE ( 1 ) XXXX  XXXX, XXXX XXXX XXXX XXXX {$440.00}, ( 2 ) XXXX  XXXX  XXXX  {$550.00}, AND ( 3 ) XXXX ( XXXX XXXX XXXX XXXX ) {$5900.00} FOR UPCOMING XX/XX/XXXX through XX/XX/XXXX workshop attendance. There lackadaisical attitude is interfering with THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts because they are directly causing me to incur THEIR DEBT BECAUSE THEY DONT PAY THEIR ITEMIZED BILLS GIVEN TO THEM. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, Experian, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

ACCOUND NAME XXXX XXXX  XXXX. 
Account # XXXX. 
Date Opened. 
XX/XX/2022. 
Balance Owed. 
{$8700.00}. 
ACCOUND NAME XXXX Account # XXXX. 
Date Opened. 
XX/XX/2022. 
Balance Owed {$9900.00} Review and remove these accounts that have inaccurate information.