23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, Citibank has not awarded the promotional sign up bonus for my Citi Thank You Premier credit card opened on XX/XX/XXXX. The promotional sign up bonus terms are as follows, " You will receive XXXX bonus ThankYou Points after {$4000.00} in purchases are made with your Citi Premier Card within the first 3 months of account opening. Balance transfers, cash advances, account fees, interest and items returned for credit are not purchases. Bonus ThankYou Points will typically appear as a bonus on your Citi ThankYou Rewards account and may take up to 2 billing cycles after you have met the purchase requirements. Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' I have met all the terms of this offer. I had spent {$4000.00} on the credit card by the closing of the XX/XX/XXXX statement, and have not closed nor received a new cardmember bonus on any ThankYou credit card in the past 24 months.

I have called into Citibank on two separate occasions to have this resolved and my bonus awarded. During these sessions, the first one which took place on XX/XX/XXXX with XXXX in the offshore call center in the XXXX, I was told that the system is incorrectly flagging my account as ineligible for the sign up bonus due to " already having received a sign up bonus from the product changed citi XXXX XXXX gold card to the citi rewards+ credit card ''. The system is incorrectly flagging my citi rewards+ credit card as having received a new card member bonus when it has not. The citi rewards+ credit card was product changed from a citi XXXX XXXXs gold credit card on or around XX/XX/XXXX. I have attached an email from citi welcoming me to the credit card on XX/XX/XXXX ( the card was opened before I received this email ). XXXX agreed that this was incorrect as the bonus I had earned was XXXX XXXX XXXX miles and not a citi thank you points cardmember bonus which is in accordance to the above terms. 

I have not closed any Citi ThankYou Card or received a new card member bonus for the " Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige '' in over 24 months. The last ThankYou card member bonus I earned was for the Citi Prestige in XXXX of XXXX. I have attached a points earning summary for the past 29 months. You can see there has been no new cardmember bonus earned. You can also see the only points I have earned from the citi Rewards+ credit card was XXXX thankyou points from the 10 % rebate that is a benefit of the card. 

I have tried calling Citi to rectify this, but have been unsuccessful. Confirming with both representatives over the phone, I am 100 % eligible for the new cardmember bonus as I, again, have not closed any citi thankyou card or earned a new card member bonus for the " Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige '' in over 24 months. 

Citi, please reward the bonus as I have met every term listed.
Product: Credit card or prepaid card

Hi, On XX/XX/2020, I received email from Discover regarding " {$45.00} back when you join XXXX XXXX XXXX ''. Then I signed up on XXXX XXXX on XX/XX/XXXX, but still haven't received my {$45.00} statement credit. 

I have already tried to contact Discover via their online chat, and their agents and supervisors told me that " after reviewing the account, [ he ] found that it did not earn the XXXX XXXX XXXX statement credit. One or more of the requirements were not met. '' Then, I asked which requirements that it wasn't met. Their supervisor told me : There were several requirements which were listed in the email. These requirements include : 1 ) It must have been a new membership 2 ) The new member can not have been a member within the last 6 months 3 ) The offer could not be combined with any other promotions, including membership promotions offered by XXXX XXXX XXXX 4 ) Was only valid for a basic membership ; it excluded Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships or XXXX XXXX XXXX Gift of Membership 5 ) Only memberships bought within the United Sates are eligible Since the credit was not applied, one or more of these qualifications was not met. Is there anything else I can assist you with?

Sill, I have no clue which requirements I did not meet. I feel like that I have been scammed by Discover and request them to pay me back my {$45.00} bonus, since I followed every single step provided by their email promotion.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION for still allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Debt collection

I am cosigned on a loan with my son- he is making a {$75.00} a week payment/ {$300.00} a month - this loan should be paid ahead of the payment is only {$230.00} a month leaving a surplus of {$65.00} per month. 

XXXX they called and stated that they haven't received payment since XX/XX/XXXX- I got on my sons account and there is consistent {$75.00} weekly being sent. This was a lie. 

XXXX called the number on my way to work was connected with a XXXX   person that was not very cooperative- she stated that they are receiving payments I tried to get her to explain to me how this could be behind if the payment monthly is {$230.00} and there is a weekly payment of {$75.00} which is {$300.00} per month this loan should be paid ahead since XX/XX/XXXX of this year- she tried to push me off the call I waited to speak to a Team Lead and asked the same questions- since there is obviously research and misapplied payments that need to happen on XXXX XXXX side of the house I asked for to have my number removed and not called. She stated they can remove from dialer but will still manually call- I have been really sick this year with 2 XXXX and not doing well- there is obviously some misappropriation of funds and this needs to be escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a so-called medical debt that was due to COVID-19 and when I try to dispute it, it tells me Ive already and it wont let me explain that it was due to Covid. And when I try to call them I get caught in a XXXX XXXX and then hung up on.
Product: Checking or savings account

I work at the XXXX XXXX XXXX XXXX (XXXX), and have worked there for 3 years. My employer is the XXXX XXXX XXXX. I bank with JP Morgan Chase. XX/XX/XXXX- filled out direct deposit form at work, hand written.  HR refused to accept a voided check.  Did not receive XX/XX/XXXX direct depositXX/XX/XXXX – called payroll specialist•	Learned from payroll that the routing number on file was not mine-incorrectly written•	Requested that direct deposit be canceled•	Requested that XXXX  HR inform State Controller’s Office of this issue and request that they retract deposited funds•	Called my bank, JP Morgan Chase, and filed a claim informing them of the above-specifically stating that the deposit made in the account was due to an incorrectly written routing number and was not authorized by me. XX/XX/XXXX – I called Chase Bank, Bank had located the check in another customer’s accounts. Learned that Chase Bank made no effort to ensure that the account number used and the account holder's name matched before processing the direct deposit. Was informed that Chase cannot move it from the customer’s account. Chase required a Letter of Indemnity from my employer.•	Called XXXX  payroll immediately, provided information,•	Payroll stated that they would call the State controller’s office and get back to me.XX/XX/XXXX – Was informed via email correspondence (attached here titled “XX/XX/2019 warrant”):  “Since your bank was unable to move the funds from the incorrect account into yours. The State Controllers office has sent over a Letter of Indemnity to your bank.”XX/XX/XXXX - Letter of Indemnity was actually sent to Chase Bank by State Controller's OfficeXX/XX/XXXX – informed by payroll via email (attached here titled “XX/XX/2019 warrant”): “I regret to inform you that US bank was unable to retrieve the funds back from your bank. I have attached the denial letter from US Bank. The State Controller’s Office informed me that since this was an employee error and not an agency error, you would now need to try to contact Victims Compensation Board to see how they me able to assist you. I have attached the link below. Please let me know if you have questions.” The denial letter (attached here titled "XXXX") stated, from Chase bank, “we will not be able to process your recall request because the account doesn’t have sufficient balance.” This indicates that the account holder who got my check withdrew the money. The Account holder is guilty of theft as per California Penal Code section 485. I called the Victims Compensation Board and they stated that they cannot do anything and suggested I call my bank.•	Called Chase Bank that day and they insisted they had no obligation to prevent their account holder from using the funds, despite the fact that I informed them on XX/XX/XXXX that the deposit was made erroneously. Chase Bank was unwilling to help me track down the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unathorized inquires that I have contacted XXXX about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that XXXX initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are XXXX Inquiry from Apr XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you
Product: Debt collection

An account was originally deleted on my credit report from capital one which is being handled by XXXX XXXX XXXX a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts removed from my credit report. 
Accounts for Blocking and Deletion : 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXXXXXX XXXX  XXXX. 
o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

Convergent continues to send me collection letters and calling my cellular phone after being advised that the debt they are attempting to collect is more than the 4 years for the state of Florida. XXXX account is for a balance of {$17000.00} which was first delinquent on XX/XX/XXXX which is more than 13 years old and also received a pre recorded call on XX/XX/XXXX at XXXX. In addition received another collection notice from same agency for an amount of {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently found out about, while opening o new checking account, about an item on my Experian credit report about a loan denial with XXXX XXXX  on XX/XX/2021. It was not me asking for a loan with this entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Experian XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. According to 15 USC 1681i Any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ), the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Experian, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXXt ; former XXXX XXXX, XXXX XXXX XXXX, This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I have a XXXX account that shows me whenever there is a credit inquiry, expense or deposits. 
It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX  calculations. 

I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX XXXX XXXX using XXXX XXXX calculation. 

Based on these and suggestions from XXXX app, I applied for Capital One XXXXXXXX XXXX  deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX  I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after 10 working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my credit score was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX  without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to XXXX. 
They still show that I am eligible for CapitalOne credit card. 

Either XXXX XXXX and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR Vantage XXXX calculations are WRONG OR Experian showing my credit score of XXXX on all XXXX rating agencies is WRONG. 
In any case CapitalOne had access to all these reports and despite knowing my XXXX  rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. 

If CAPITAL ONE is lying about my XXXX scores being Invalid or Non existent, then XXXX XXXX, XXXX  and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like CapitalOne. 
Why else will they be offering me Capital One Card eligibilty on their apps when the score is non existent.
Product: Credit card or prepaid card

I have a XXXX branded credit card thru Capital One. My complaint is based on Capital One 's deceptive billing and late fee processes. In XX/XX/2023, I had a balance of {$2000.00}, I made a payment for {$200.00} or 10 % of the total balance. After the payment was made, I was informed that my payment was late? I contacted the Capital One to address the concern. They stated that I was reported late based on still owng {$55.00} and an added {$29.00} late fee? I was surprised to hear that the payment went up. I made the payment of {$55.00} totaling {$250.00} for the month. My payment was settled. At that time, I asked the representative, that if I make the same payment ( {$250.00} ) for next month will I be ok, she confirmed. Instead, I made an XXXX payment for {$270.00} to be safe. After that payment I was emailed and texted again that my XXXX payment was late? I contacted the customer service line. This time they increased my late fee to {$40.00}? They stated that because of the XXXX late fee ( although waived ) the payment increased to {$300.00} ( 20 % increase ) for the month? I asked how can this be? The costumer rep stated that although I made the payment to cover the XXXX payment and the fee was waive the XXXX payment does not adjust causing the higher payment and new late fee? I asked how is that legal when the account was made current? They explained " their systems '' do not work that way? Due to this process, consumer misinformation, increasing late fees, and added time and cost, I feel it appropriate for a higher authority look into this company 's billing practices. In today 's economic times of rising rates and payments, Corporations need to do a better job of informing customers of their internal changes and policies that can impact a consumer 's credit profile and ability to have financial options. Through calls with customer service reps and supervisors it appears this company is more focused on charging high fees thru deceptive and predatory practices ( fee charged on late fees ). Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX my paychecks was supposed to be direct deposited into the card and it hasn't showed up. When I called Monday they basically told me that the issue was just that it took two days to get to the card. Then next time I called I was told it would be on the card by end of day Monday then told by Tuesday morning then Tuesday end of day and know they aren't answering the phones. My deposit would have been XXXX $ but I haven't received anything yet and this is now Tuesday evening.i have used this card for over a year and when I expressed concerns about fees being charged because of automatic payments not going through I was informed that it wasn't their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question is Diversified Consultants. I  agreed to settle a XXXX account that I had and was promised that the account would be removed from my credit report and it never was. The original balance owed was {$1200.00} and The collection agency for XXXX agreed to remove this account from my credit report if I paid 50 % of the balance which was {$600.00}. I paid {$600.00} with a representative over the phone in XXXX 2017 and the account is still showing up on my credit report as Account legally paid in full for less than the full balance. This is not what was agreed upon and I would like this account fully deleted from my credit report. I feel that the representative I spoke with told me that this account could be removed from my credit report if I paid just to get a payment out of me and I do not think that this is right. Could someone who has the authority to remove this account please review my case? I have called Diversified consultants 3 times trying to get this matter resolved, but to no avail.
Product: Debt collection

I got yoked into settling an account for XXXX XXXX, which I found out through filing here that the account was sold to a collection company. I set up a payment plan with XXXX XXXX XXXX or American Elite Recovery on XX/XX/2020. When they started collecting the payments appeared on my statement as paid to XXXX XXXX XXXX XXXX XXXX XXXX. After the FTC contacted XXXX XXXX, who responded via the portal I started receiving phone calls and letters from this law firm. The letter is as followed You have recently made a payment to XXXX XXXX XXXX  or American Elite Recovery of XXXX XXXX XXXX EST in the amount of XXXX, on card ending in XXXXXX. Your card statement, you will see the amount of this charge from The XXXX XXXX XXXX  XXXX XXXX, as we are the former payment processors,. Your funds have been appropriately distributed to the current creditor. 

Please refrain from filing any chargebacks on the payments as it will cause the payments to be reversed by the client, this will be considered fraudulent banking activity, and the client may reactivate your account with excessive fees. 

Again this letter is to confirm, we have ceased payment processing for XXXX  and any fast payments have been remittd to the appreciate client, and your account is in good standing. No further action is needed, If you have future stated payments, they will be processed by another payment processor. If you have further question or concerns please feel free to contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX.
Product: Debt collection

Moved out of this apartment 3 years ago and now there saying I owe rent I sent the receipt showing I owe nothing I requested the contract from the debit collector I did not receive any information within 30 days after asking them for the contract I was sent a move out statement from the property then after that I was sent a email by the property saying to disregard it I sent everything in. I asked for this to be deleted off my report and I was told no. The complex took XXXX money from the state of Illinois and part of the requirements for them getting the money was for them not to come after me after they have received the money