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

I received an email invitation from Citibank to receive a {$450.00} bonus if I opened a XXXX account and deposited more than {$50000.00} in new money and held it in there for at least XXXX days. I opened the account on XX/XX/XXXX and funded it with {$50000.00} from XXXX. That money has been in the Citibank XXXX account since XX/XX/XXXX. I received an email from Citibank on XX/XX/XXXX thanking me for enrolling in the bonus program for the Citibank XXXX account. I called into Citibank in XXXX after the XXXX days was over to ask about the bonus and was informed that it took up to XXXX days for the bonus to be paid to me and that it was scheduled to be paid to me no later than XX/XX/XXXX. When no deposit was paid on XX/XX/XXXX I called Citibank and was told to wait until the next day to file a Dispute Case. I called back on XX/XX/XXXX and started a Dispute Case ( XXXX ) which I was told would be resolved within XXXX business days. When I called back on XX/XX/XXXX to ask about the results, I was then told it could take a total of XXXX business days and to call back then. I called back on XX/XX/XXXX and there was still no answer with no information on when it would be resolved. I called back XX/XX/XXXX and it was the same as the time before with no update and no information on when it will be resolved. So I am now filing this complaint as I don't have any other recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit double reported it's inquiry on my XXXX  account on XX/XX/2019. The car dealers do this when you buy a car, so that by the time you actually make the purchase, they have succeeded in significantly lowering your credit score in order to increase the interest rate.
Product: Mortgage

We lost our home to a house fire in XX/XX/2016. After calling to file a claim to insurance we found out that our Private mortgage insurance which was being paid by our mortgage servicer through escrow was not paid by them and we had no insurance coverage other then what the bank had placed on our home to protect their interest. We have had same insurance for 10 years never changed and then bank fails to pay and all we are left with is a check to cover their interest. They said letters were sent to inform us this but instead of them just paying our PMI they payed for force placed insurance even though the money was in our escrow account. Why did n't they just pay our insurance policy that was escrowed? Now we are left with a home burnt to the ground and nothing else except a check to cover the banks interest. The money was their to pay it and I was told by 5/3 bank that the reason it was not paid was because there was no premium amount on direct invoice. I feel like that is a little sloppy on banks part when they are suppose to be taking care of something. I was called by 5/3 bank and asked if we still had our PMI and I stated yes and they still let our policy lapse and now we have nothing. We had our account escrowed for that reason. One so our taxes and insurance for paid every year so we would not have to come up with a lump sum at one time to cover it. So we do what we think is the best thing to do and instead we should have payed our insurance on our own if we knew we were going to have to baby sit the bank and make sure our premiums were paid. I do n't feel that we are at fault here. They said they sent repeated letters to let us know nothing certified though. So now we are left with nothing!
Product: Credit card

Dear CFPB, I am writing to formally request an investigation into U.S. Bank 's handling of its XXXX XXXX, which I believe may constitute a case of fraudulent bait and switch.

U.S. Bank advertises the XXXX XXXX as a payment option that allows customers to divide eligible credit card purchases into equal monthly payments without interest, subject to a fixed monthly fee. If a credit card account is eligible, U.S. Bank informs customers via email or displays the option when viewing their card account details or eligible transactions online. 

I have experienced an issue with this program concerning two identical charges from the same service provider. The first charge, for {$2000.00} on XX/XX/year>, was eligible for the XXXX option, and I was able to set up a plan without any issues. However, the second charge of {$2000.00}, dated XX/XX/year> for the same type of service, was falsely indicated as eligible for XXXX on my account dashboard. After selecting the option and proceeding through the prompts to choose the monthly payment amount and term, I received an error message stating that my account was ineligible for XXXX. 

On XX/XX/year>, I called U.S. Bank customer service to resolve the issue and was told that a XXXX would contact me. When I followed up on XX/XX/year>, after receiving no response, I was informed that the issue had been escalated. A manager finally called me that evening around XXXX XXXX, only to state that the second transaction was not eligible for XXXX. When I asked why the option was displayed, the manager claimed that receiving the offer does not guarantee eligibility. 

I find this explanation deeply unsatisfactory and misleading. I only used the U.S. Bank card for the second transaction because the XXXX option was clearly presented, and it had worked for an identical transaction just a month prior. By showing the option on my dashboard and then denying its availability after I initiated the process, U.S. Bank created a false expectation. It enticed me to use the card under deceptive pretenses. I now face a 19 % interest rate if the balance is not paid in full by XX/XX/year>. 

I believe this situation amounts to a bait-and-switch, and I request that the CFPB investigate U.S. Bank 's XXXX XXXXXXXX XXXX determine whether this practice violates consumer protection laws. 

Thank you for your attention to this matter. I have attached copies of relevant documentation as evidence.
Product: Checking or savings account

XX/XX/XXXX complaint against XXXX XXXX XXXX XXXX XX/XX/XXXX complaint against Keybank XXXX XXXX made several complaints against Keybank to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with Laurel road bank. It's Keybank during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, Keybank threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by Keybank, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against Keybank. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. Keybank never gave me opportunity to fix the issue. Keybank took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from Keybank ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by Keybank and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). Keybank can not send me in circles and ask me to reach out to XXXX. 

Keybank messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX Keybank Account XXXX : XXXX XXXX XXXX XXXX XXXX. 

Both Keybank and XXXX XXXX XXXX are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXX XXXX then KeyBank simply says go to the XXXX XXXX XXXX If I reach out to the XXXX XXXX XXXX then the XXXX XXXX XXXX  says go to KeyBank. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00} 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: Checking or savings account

regarding previous complaint # XXXX. CFPB contacted Best Egg about this account. XXXX replied based on their investigation I did not dispute the application, whin I emphatically denied ever applying for a loan. I did not ever apply for a loan. My identity was hacked, and someone else used my information to get a loan. they also stated that the validity of the loan was not in question. It has been in question from the very first time I called to inform them that I am a victim of identity theft. they conclude the paragraph with the statement that they are required to report accurate information. They did not report accurate information.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name AMERICOLLECT INC Account Number XXXX Account Name AMERICOLLECT INC Account Number XXXX
Product: Mortgage

Good Day, My name is XXXX XXXX and I have been faced with mortgage troubles for sometime. ( since XX/XX/XXXX ). I am currently working with Nationstar Mortgage, who has refused to lower my interest rate. They bought the XXXX loan from XXXX XXXX XXXX who gave me a trial period of {$500.00} a month, after having divorced, lost job, etc. I spoke with the bank repeatedly regarding my income and filed for fha several times. In any event circumstances later led me to file bankruptcy, Bankruptcy case XXXX. then the trustee appeared to lead me to believe that my mortgage would be deducted thru payroll and now I am facing foreclosure again. I would like to be able to keep home, I asked for helped. Can this agency assist in helping me with speaking to Nationstar to see if they could lower rate so that I could qualify for the loan. At 8 % XXXX XXXX XXXX said that I could not and gave me the trial period. The hand off to Nationstar from XXXX XXXX XXXX has been terrifying. I just want to keep home. Can there be a win-win. From XXXX to XXXX is a lot. I had been overwhelmed and hit by XXXX driver- so the fearful attacks frightened me into scared me. I have been a part of this and just would like another chance to save home. built by Dad. 
They asked me to pay on XX/XX/XXXX payment XXXX Nationstar XXXX : Nationstar ID : XXXX XXXX : ID : XXXX. Then try to pay {$14000.00} by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : ( XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Address : ( XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Complaint Details : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 
Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy. 
o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates. 
o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes. 
Given these provisions, XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint against the three major credit reporting agencies TransUnionfor their failure to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous efforts to dispute the incorrect reporting of late payments on my credit report, related to my Auto Loan with XXXX XXXX XXXX, Account Number XXXX, the issue remains unresolved. These disputes were filed on XX/XX/XXXX and XX/XX/XXXX, and despite providing clear documentation of the errors, the agencies have failed to correct the inaccuracies. 

This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, this issue falls under the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasize the need for accurate and timely reporting by creditors.

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. As the credit reporting agencies have failed to meet their legal obligations, I am prepared to seek damages and legal costs. 

Relevant Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : This case established that credit reporting agencies must conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. Failure to do so may result in liability for damages.

Barash v. Ford Motor Credit Corp., 495 F. Supp. 2d 831 ( N.D. Ill. 2007 ) : This case demonstrated a violation of TILA, emphasizing the creditor 's obligation to provide accurate billing and payment notifications. 
Final Request for Resolution I request that the CFPB intervene and ensure that the three credit reporting agencies correct the following inaccurate late payment entries on my credit report : Date of Late Payment Report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Failure to correct this information within 10 days of receipt of this letter will force me to escalate this matter further. This includes filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General 's Office. Moreover, I will proceed with legal action to recover any damages resulting from the ongoing inaccuracies in my credit report. 

Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to the CFPB 's prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The company has placed accounts on my profile of credit. For one if they was mines its hippa violation. Also if so please send over proper validation of this account. Contract or agreement of responsibility of this collection. If it's mines i will pay it.
Product: Mortgage

I have disputed a fee charge on my account on more then one occasion it is a fee charge of {$2100.00} which has nothing to do with my mortgage loan. I was told it was a fee that was charged because of something they requested on their error but since they ordered it that I had to pay for it, I don't think this is fair to me, or to any other consumer. I am not sure if this is a practice of this company, but I have just come out of a financial hardship which I had to modify this mortgage. In I do not have the resources of this company or the government assistance they have, I am sure I have paid them enough interest to cover their mistake, but they don't seem to have any concern.
Product: Debt collection

I WAS A TENANT AT THIS APARTMENT COMPLEX XX/XX/XXXX TO XX/XX/XXXX. I SUBMITTED MY LETTER TO THE APARTMENT MANAGER WHO WAS XXXX AT THAT TIME THAT I WAS MOVING OUT XX/XX/XXXX, SINCE THE SIGNING ON MY HOUSE WAS XX/XX/XXXX. I ASKED WAS THERE A BALANCE ON ANYTHING I OWED AND WAS TOLD NO I DID MY WALK THROUGH WITH THE APARTMENT MANAGER XXXX AND HANDED OVER THE KEYS. FOR A WHOLE YEAR I HEARD NOTHING I HAD GAVE HER MY UPDATED ADDRESS SO MY DEPOSIT COULD BE MAILED OUT. I NEVER RECEIVED ANYTHING IN THE MAIL FROM THE APARTMENT COMPLEX, FROM THE STATE ( COURT ) FOR OWING A BALANCE, HAVING AN EVICTION, NO DAMAGES OR ANYTHING FAST FORWARD TO A YEAR I HAVE A COLLECTION ON MY ACCOUNT AND SPOKE WITH THE APARTMENT COMPLEX AND THEY COULDN'T ADVISE ME NO INFORMATION.
Product: Credit card

I has sent CITI Bank a Notice surrendering my negotiable instrument for redemption back in XXXX of 2023. The instrument has a restrictive endorsement with pay to the order of : Citi Bank. I had informed my right to OPT OUT from the company 's ability to report my personal transactions to the 3rd party credit agencies since they were reporting my transactions on my consumer credit reports. After sending this Notice the bank closed my account and even though they responded as to why they took that decision I believe they were in wrong. I has tendered a lawful form of payment yet they refused my payment and did not credit my account. They have kept my instruments even thought they are refusing to credit the account. Their SEC filings Clearly state how my application for extension of credit is turned into an Asset backed security, they are surrendering my instruments for redemption, they are securitizing them, transferring them, trading and selling them. I have send them a 2nd Notice together with a new negotiable instrument. They have yet to respond to this notice but my account continues closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries from XXXX 2018/XXXX 2018 were proven to be fraud and needs to be removed from credit report by all credit bureaus. I have contacted both the creditors and the credit bureaus and Equifax is the only bureau that refuses to remove the fraudulent inquiries from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX on XX/XX/2019 to dispute amount on report XXXX $ not the same amount on other credit reports acct number XXXX
Product: Debt collection

Original debt was closed and processed by original creditor and then midland funding purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. Midland also hasnt tried to reach me before going to court and filling a lawsuit.