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

In XXXX upon finalizing a booking on united, a chase offer popped up on the screen : the offer was for {$250.00} statement credit after spending {$3000.00} on the card, and a XXXX mile bonus. but to my dismay, I noticed they only mention on the statement a XXXX promo miles. What transpired was countless hours on the phone ( as if I am supposed to fight for something that was clearly promised to me ) with agents who gave me the run around and only did me a whole favor that they escalated the claim. Shocking but not surprising, after their so called, major ethics breach investigation, they decided not to honor their contractual agreement with me ( why would they, if they can get away with it? ). worse, when I spoke to XXXX in the executive offices, I heard in his voice the stubbornness and indifference to my pleas that we had an agreement. Moreover, I sent them a copy of the screenshot that I took of the XXXX mileage offer, yet it didnt matter to them at all ; I was simply blown away with utter disgust with their blatant rejection to honor their promise by giving me some bs about a technical error on united airlines site. HELLO CHASE : HOW IN THE WORLD CAN YOU BE SO GRIDDY TO THE POINT WHERE U BELIEVE THAT YOUR LIES DONT EVEN HAVE TO MAKE SENSE ANY LONGER? Is this really how u welcome new customers? In what world do u live in? perhaps the world u live in is in chase universe where u do what suits ur needs just cuz ur name is chase? But let me ask u chase : what happens if I give u an excuse for making a late payment because there was a technical delay from the paying bank to transfer the funds, would u accept an excuse like this? U wouldnt in a million years. So why does a consumer like me have to buy your lies? U want me to believe that Uniteds website had an error? if thats the case, Uniteds business would be gone in a split second ; u would be able to get free tickets, if theres a glitch there. Clearly, the site had no issues ; the issue is with chase, having no obligation or desire to walk the walk and apply to my account the additional XXXX miles
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. XXXX XXXX, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.
Product: Mortgage

XX/XX/XXXX On XX/XX/XXXX, my fiance ( XXXX XXXX ) and I submitted a contract on a XXXX XXXX XXXX XXXX home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Villas is the subdivision name ). At the time we submitted the contract my fiance 's grandmother told us that she would provide a gift letter for the closing costs. 

We didn't realize at the time that XXXX XXXX had us sign a builder 's contract which gives XXXX the authority to 1 ) change dates for loan commitment 2 ) change home completion dates 3 ) proceed with construction if we couldn't get financing and most importantly 4 ) if we were turned down by our lender we had to go through XXXX 's lender XXXX. 

We provided both XXXX and XXXX with a letter from our initial lender which turned us down for insufficient closing funds after my fiance 's grandmother stated that she couldn't provide the gift letter or funds. 

We submitted a written letter, a mutual release and extensive email communication explaining our situation but we were encouraged by XXXX 's display representative who was not a realtor and XXXX representative XXXX XXXX to continue the process or we would be in default of the contract terms. 

The XXXX display representative glossed over the contract and did not provide us with a hard copy until after we had docusigned every element of the contract. We were turned down in writing by XXXX Mortgage as well as verbally by XXXX Mortgage but XXXX insisted that we continue the process or we would also have to forfeit {$6000.00} of our lot deposit. 

Under the terms of the builder 's contract if our bank couldn't get us the loan then we had to go through XXXX. The result is that with a XXXX XXXX of XXXX and {$270.00} in assets, XXXX approved us for a {$310000.00} loan. 

We never signed a finance contingency waiver and our loan commitment date was XX/XX/XXXX but our agent submitted an amendment to give XXXX until XX/XX/XXXX to extend the loan commitment time but XXXX would not sign the amendment or the mutual release asking for the return of {$3000.00} of the {$5000.00} that we submitted for the lot deposit. 

Yesterday XXXX said that we got loan commitment and that unless we go through with the contract that they will sue us as well as charge us almost {$650.00} for every day that we don't close. 

When we entered into the contract we had every intention of closing on the house but our loss of closing costs and inability to get approved by XXXX has made no difference to XXXX. They are going by XXXX assessment of our ability to get the funding to close. We feel this is an extreme case of predatory lending and we would like XXXX investigated for this because we are sure that this is not the first time that they have done this. Thank you. 





Update XX/XX/XXXX : Purchasers maintain a strong complaint against XXXX, and would like for them to continue to be investigated. ( The matter with XXXX homes has been settled )
Product: Debt collection

I've called, sent letters, and even hired a company to help me deal with Synchrony Bank and there fraudulent actions taken on my credit report. This company has continuously re-aged my account activity with them for several months and its not fair. I've had enough and I need this account deleted off of my credit history.
Product: Debt collection

Consumer Loan ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.
Product: Checking or savings account

In XX/XX/XXXX I updated my address with Schwab on my High Yield Investor Checking account. This involved at least two steps with me making the request, then verifying that Im account holder and wanting to make the address change. I have since then received account documents from Schwab at my current-as-of-XXXX XXXX address. 

Then in XX/XX/XXXX the Visa debit card associated with referenced account expired without me having received a replacement card. So, I contacted Schwab by chatbot on or around XX/XX/XXXX and they confirmed by email they would send a new Visa debit card to my current -- as-of-XXXX XXXX address. This email included my current -XXXX XXXX XXXX address and no prior addresses of mine or other mailing addresses.

When I hadnt yet received my Visa debit card at my current -- as-of-XXXX XXXX address by XX/XX/XXXX, I called Schwab at about XXXX XXXX and a Schwab rep confirmed that I had changed my address with Schwab but that Visa had sent both your replacement cards to your old address. The rep said that neither card had been activated and that a third replacement card would be sent to my current -- as-of-XXXX XXXX address. 

So, Im very concerned about security practices at Schwab. And I want to know what other documents or materials from any account I hold with Schwab or any of its affiliates has it sent since I confirmed my current -- as-of-XXXX XXXX address to any old  address of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Citibank advertised cash rewards for opening new accounts. I deposited {$60000.00} dollars. According to the bank officer and paperwork I received I was to maintain such account balance for 60 days within 30 days of the completion of the requirements ( 90 days from the account opening ), I would receive {$700.00} cash bonus. Over 100 days has passed they have not deposited the cash bonus and they tell me now that I have to wait 90 days over the initial 60 days of account opening. I called Citibank corporate but they tell me this offer is by the specific branch and I need to complain to the bank. The bank managers XXXX and XXXX told me to file a complaint with the state or federal if I would like. The language in the brochure is not clear and deceptive. I will be happy to send all the documents for review. Please do not let this bank to deceive people. They must cease and desist this practice and upgrade their brochure to specifically note the exact date the bonus will be paid. Thank you.
Product: Mortgage

I purchased my townhouse in XX/XX/XXXX {$150000.00} I was employed at XXXX XXXX of XXXX XXXX FL as a line mechanic. I had excellent credit and earnings of {$90000.00} in XXXX. I had not missed a mortgage payment or late payment including all other bills. 
In XX/XX/XXXX Wells Fargo took over my home loan from my original lender. In XXXX I was becoming less productive at my work due to my left knee was in need of a XXXX XXXX. 
I called Wells Fargo and let them know that I needed XXXX and my doctor XXXX me to my occupation and asked for consideration for a loan modification. I had short term XXXX insurance that I paid into through my employer but to extend the payments I had to apply for Social Security XXXX. I was approved to receive SSXXXX benefits beginning XX/XX/XXXX. ( see attachment ) I continued to pay my mortgage payments even using some savings for retirement. I sent documentation to Wells Fargo requesting applying for a loan modification and was denied over the phone continuously. I stopped paying my mortgage in the beginning of XXXX so they would take me seriously. I feel I was treated cruel and with no compassion to my situation from Wells Fargo I am bringing this up now although it has caused me much stress these last XXXX  years after losing my townhouse and walking away losing my investment of XXXX  years. 
Wells Fargo sent me a letter dated XX/XX/XXXX that they opened and charged me for a " Health Protector Bonus product '' I researched it to see if it was was legitimate and it was and I settled it receiving a check for their maximum authorized amount of {$310.00} I received the check. But that showed me the corruption and greed of Wells Fargo which motivated me to research the CFPB lawsuit against Wells Fargo. Their explanation in their response to me states that I was approved for the HAMP program on XX/XX/XXXX but the loan to value was to low. ( see response letter ). I didn't lower the value of my home the corporate lenders of US financial institutions did. ( see attached documents ). 
I would like to have closure one way or another, Can you ( CFPB ) tell me if I am another victim of unfair practices by Wells Fargo? Thank you.
Product: Credit card

On approx. XX/XX/2023 I was approved for the Barclays 's Wyndham Earner Business card. It had promotional terms of spend {$1000.00} in 90 days to receive XXXX Wyndham  XXXX points. 

See here for screenshot from application page -- https : XXXX I spent above the necessary amount within 90 days as required. 

The Wyndham XXXX points never showed up. I inquired via secure message between XX/XX/XXXX and XX/XX/XXXX and was informed I was required to spend {$2000.00} contrary to the initial terms. I requested a call back from a supervisor. I was called on XX/XX/XXXX and told the same. 

I requested via telephone they provide XXXX Wyndham points per their {$1000.00} sign-up bonus terms and they refused stating they could not do this and that I was required to spend {$2000.00}. I requested a courtesy deposit of XXXX Wyndham points and they also refused. I stated I was going to contact to the CFPB and they did not seem care.
Product: Money transfer, virtual currency, or money service

I was selling my car back in XX/XX/2019. I got contacted by a party and they sent me a check of XXXX $ to book the car since they were travelling from XXXX  to XXXX  and wanted the car. I deposited the same in my XXXX  XXXX XXXX account. 

In a couple of days i was approached again and was informed due to some personal set backs they cant make the trip at that time. I was offered to keep XXXX $ token money back and return the remaining XXXX XXXX 

Hearing to the set back story I decided to do the same. Once that transfer was done, the next day check bounced and i was charged for over draft as well along with the XXXX gone from my account. 

The mobile number which i was contacted from and have the entire chat along with check pic was XXXX XXXX Kindly help me with this. Thanks in advance.
Product: Debt collection

On or about XX/XX/2019 I and my wife started to receive persistent calls from Local Data Recovery from phone # XXXX. My requests to cease calling us was ignored.
Product: Checking or savings account

I opened a business account with East West Bank in the first half of XXXX. The account received several remittances from the United States in XXXX and XX/XX/XXXX. All remittances were deposited into this account, and then in XX/XX/XXXX East West Bank emailed me to inform me of several remittances that the sender believed to have received fraudulent requests for refunds. My account was frozen and I received an email from East West Bank in XX/XX/XXXX describing that the funds would be refunded to the sender if I could not provide further evidence. I have some documents but the bank does not accept the documents as fully compliant.
Product: Checking or savings account

On XX/XX/XXXX my Chime ( online bank ) debit card was used in XXXX transactions in Florida. The first was {$8.00} at XXXX, second was {$100.00} at XXXX XXXX, XXXX was {$100.00} at XXXX XXXX, and last was {$27.00} at XXXX XXXX I have disputed these with my bank 7 times and every time it has gotten denied. I filed a police report upon my banks request and still have not gotten a different response. Ive provided my address and work schedule to prove that I wasnt/have never been to Florida and still no change.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received
Product: Bank account or service

Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX. 
I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response. 
Meanwhile, Bank charged me {$35.00} late fee!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the date of the last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 

Account Name : XXXX Account # XXXX
Product: Credit card or prepaid card

JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Our credit card was fraudulently charged. We were informed that because we said we had maintained control of the card, that the charge was real. The charge could NOT have been made without our presence. We did not charge this! 

The following is what we have done. 
XXXX Citi statement included a fraudulent charge of $ {$380.00} We immediately notified Citi of the fraud XXXX statement included the same charge plus interest of $ {$24.00} XX/XX/21 Contacted Citi customer service who said to disregard this and it is under investigation. 
XX/XX/21 Received a letter saying that the dispute was closed and we are responsible ( attached ). 
XX/XX/21 Received a letter say the Citi is investigating the dispute ( attached ). How XXXX is this and shows internal procedures of Citi. 
XX/XX/21 Elevated the issue and sent a letter to XXXX, XXXX XXXX. ( attached ) No reply. 
XX/XX/21 Sent another letter to XXXX XXXX, XXXX XXXX. To date ( attached ) no reply.
Product: Credit reporting or other personal consumer reports

Incorrect information on all 3 credit bureaus. Its showing XXXXXXXX XXXX twice on Equifax. Please remove the car loans immediately
Product: Debt collection

In XXXX this company claim I had late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
and in XXXX for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing LLC failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Prepaid card

I received a refund for {$99.00} from XXXX. The refund was processed and posted on my American Express Serve Account on XXXX. My transaction history on XXXX shows a completed transaction with the following detais : Description : Store Return XXXX XXXX XXXX  Date : XX/XX/2023 Amount : {$99.00} Transaction ID : XXXX Account : XXXX XXXX Account Status : Complete The {$99.00} was not credited to my account however but instead Serve placed a hold on the funds and the following pending transaction shows om my account : Description : Merchant Credit Hold for Review XXXXXXXX XXXX XXXX Date : XX/XX/2023 Amount : {$99.00} Transaction ID : XXXX Account : XXXX 's Account Status : Pending When I called to ask why they placed a hold on a refund/credit they had no explanation other than that it rakes up to 7 days, It appears that American Express Serve is intentionally placing a temporary hold on my funds to increase their float and cash flow position.