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

I have a CD at Flagstar Bank that I opened at my local branch in XXXX XXXX, IN. I have since moved to XXXX, FL. When my CD matured on XX/XX/year> I called the local branch stating I wanted to close out the CD and roll it over to my savings account. The wanted me to come in to the branch to close it out and it was then I told them I moved out of state to FL with no local branch available. They told me to go online and make the request through the messaging system. I made the request on the XXXX and the reply was " Thank you for contacting Flagstar Banking support. I would be happy to assist you with your inquiry today.

I have forwarded your request to our back offi ce for the transfer of the CD funds and account closure request.

As long as they do not need anything additional, I would expect that this process be complete within 2-3 business days.

I hope the above information is helpful, but if you are in need of further assistance or have any additional questions, please feel free to contact us at the phone number listed below. 
If you have further questions, please contact us at XXXX. 
Please visit fl XXXX for hours of operation and additional FAQs. 
Thank you for choosing Flagstar Bank Best Regards, XXXX This did not happen, they renewed my CD clearly against my request. 
I sent several Dear XXXX XXXX XXXX, Thank you for contacting Flagstar Banking support. I would be happy to assist you with your inquiry today.

I have forwarded your request to our back offi ce for the transfer of the CD funds and account closure request.

As long as they do not need anything additional, I would expect that this process be complete within 2-3 business days. 
I hope the above information is helpful, but if you are in need of further assistance or have any additional questions, please feel free to contact us at the phone number listed below. 
If you have further questions, please contact us at XXXX. 
Please visit fl XXXX for hours of operation and additional FAQs. 
Thank you for choosing Flagstar Bank Best Regards, XXXX, This did not happen, no call and so I thought all was fine. 
I sent several emails, attached, making it crystal clear I do not want to renew.

I opened another email chain under " close account '' and they stated i need to go to branch. So I guess it depends to whom you talk to at Flagstar. It is still unclear to me the real policy. This is clearly an internal training issue and not acceptable.
Product: Credit card or prepaid card

I recently flew on XXXX XXXX on XX/XX/2021. While on the flight, the flight attendants offered a credit card application. If you filled it out in flight. They offered XXXX bonus miles and XXXX extra for the in flight application. You then had to use the card in 90 days. And pay the {$89.00} application fee. I spent almost {$5000.00} and paid the {$89.00} fee. I was awarded only XXXX bonus miles from the card issuer. When I called they told me that the card only carries XXXX bonus miles. Every pc of the credit card brochure clearly states XXXX bonus miles. There is no mention of XXXX bonus miles anywhere in XXXX credit card application. I would not have applied under those limits. I feel this is a deceptive and unfair practice.
Product: Debt collection

All monies owed to XXXX XXXX XXXX have been paid through allpaid.com per their instruction. 

I continue to be pursued by CELCO for the same figure paid to allpaid.com, despite having explained this and providing dates and amounts of payment. I assert it is the responsibility of CELCO to confirm this debt. As of now, they have only provided an amount owed and name of alleged original debtor.
Product: Credit card or prepaid card

I rented a car in XXXX through XXXX. When I arrived it was not the car I rented. The man at the counter took my card literally from my hand and charged me anyway. I complained obviously, and he laughed and said he would charge me even more when I returned it. This location has over 400 reviews and their rating is 1.2 stars. They are known scammers, read the reviews of XXXX at XXXX XXXX. 

The charge fell off after 7 days. I returned the car, but not before blocking my XXXX card and telling XXXX through messages and calls to allow no charges. I returned the car and XXXX attempted a charge but it was denied ( rightfully so, I blocked all charges ). 

I called XXXX and made them aware and did that with 2 supervisors. I cancelled the card and issued a new one. At no point did I release the block on my account. I have no reason to - the new card is in the US and I was in XXXX. 

XXXX then allowed a charge from the merchant to go through, this time three times the amount. My account was blocked and frozen and no charges should have gone through. I confirmed on XX/XX/XXXX when I called and two different supervisors said there was " no way they could charge you with a new number and a frozen account. '' Lo and behold, a {$1200.00} charge shows up. 

The XXXX  Fraud Supervisor XXXX ( see screenshots attached ) who I talked to on XX/XX/XXXX refused to give me the timestamp of the large charge XXXX allowed to go through on a frozen account after I told them a merchant would attempt fraud. They will not mark it as fraud and only said they would dispute it. 

However the issue is with XXXX allowing the charge in the first place. I am not disputing it because it is fraud, of which XXXX is explicitly complicit. 

This is simply a record of my attempt to have XXXX  graciously fix their issue in allowing the charge before I file with the courts which I promise to do, as I have been stolen from, XXXX knew it, and allowed and and facilitated it.
Product: Credit reporting or other personal consumer reports

I am filing this FTC report to report 3 Separate fraud accounts appearing on my credit report which I don't recognize. These accounts consist of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> and a personal credit card account opened at XXXX XXXX on XX/XX/year>. As well as a XXXX XXXX account opened on XX/XX/year>.
Product: Credit card

THREE FRAUD CHARGES WERE ADDED TO MY CREDIT CARD. I HAVE SPOKEN TO BANK OF AMERICA REPEATEDLY TO HAVE THESE REMOVED. THEY WERE NOT REMOVED ON A TIMELY BASIS. BOFA LEAVES NO ABILITY FOR A CUSTOMER TO LEAVE A DOCUMENTED FRAUD DISPUTE BY THE CUSTOMER. ONLY PHONE CALLS.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX stating that I try sending a certified letter with they are stating that I need to resubmit another other information.

I feel that they are ignoring my request.

I scan all their letters.

Most inquiries are pass old and few are not mine, I acknowledge my other inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the XXXX confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that was made with out my consent. 
XXXX XXXX ( XX/XX/XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I started asking for a copy of my Promissory Note with my original signature on it since XXXX XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XXXX XXXX, XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XXXX XXXX & XXXX, XXXX XXXX & experian was sent via certified mail XXXX online dispute portal, XXXX XXXX, XXXX all was sent certified mail, and the 4th and final letter was sent XXXX XXXX, XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries on my XXXX report and 6 hard inquiries exqifax report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of InquirXXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX  & XXXX  Date of Inquiry XXXX
Product: Checking or savings account

XXXX XXXX Chief Legal Officer & Corporate Secretary XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Business Account No. XXXX XXXX XXXX : I opened the above captioned account in XX/XX/XXXXXXXX  after being offered a bonus of {$2000.00} for depositing $ XXXX, and maintaining that balance for several months. 

To date, I have never received the {$2000.00} bonus, and I have also been charged monthly service fees because I must maintain the account open until the bonus is paid. 

I have contacted my CitiBank representative, XXXX XXXX at XXXX XXXX XXXX several times about this. Although he has been very helpful and offered to file a formal inquiry, my balance has never been credited for the bonus. 

Rather than file a complaint ( see XXXX XXXX ), I wanted to reach out to you first. 

As you know, the deliberate failure of CitiBank to follow the terms of their bonus offer would constitute, inter alia, fraudulent conversion and violate XXXX XXXX. This provides for treble damages up to {$1000.00}. 

If you were aware of this delay by CitiBank to retain bonuses, you would be subject to Judiciary Law 487 which provides for treble damages. 

At this time I am only asking for {$3000.00} which is the {$2000.00} bonus, and the {$1000.00} additional deposit. The account balance is now less than {$1000.00} due to monthly service fees, since I was required to keep the account open until the bonus was credited. 

In addition, I request {$150.00} which I would have earned by buying $ XXXX of short term T-Bills through my treasurydirect.gov account for the past 12 months. The average annualized yield during the last year has been approximately 5 %. 


Yours, ___________ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I wanted to bring to your attention a matter that requires immediate clarification. It has come to my notice that someone sharing the same name as mine has been using our shared name to apply for loans or financial transactions. 

This confusion has arisen recently, and I want to assure you that I have not been involved in any such activities. To avoid any further misunderstandings or complications, I kindly request your assistance in verifying and rectifying any erroneous applications or records associated with my name. 

Please let me know how I can provide any necessary documentation or information to resolve this issue promptly. I appreciate your attention to this matter and look forward to your prompt response. 

There is also false information on my credit profile. Such as addresses, names, and phone numbers. 

Thank you for your understanding and cooperation.
Product: Credit card

Someone keep opening up bank accounts and getting credit cards in my name who is not me Ive been finance a car for a very long time now the list just goes on and on and I cant even do that with these type of problems keep coming up so now Im trying to fix a way to fix it the best way I can
Product: Credit card

I received notification from Bank of America ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Bank of America ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Bank of America to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$16000.00}. This is not my debt.
Product: Debt collection

ON OR ABOUT XXXX 2017, I RECEIVED A CALL FROM SOMEONE, WHO DID NOT GIVE ME THE CORRECT NAME, THAT WAS ATTEMPTING TO COLLECT A DEBT FROM ME, XXXX XXXX, I PURCHASED A VEHICLE FROM TEXCAP BACK IN XXXX 2017, FROM XXXX TO XXXX I HAVE NOT MISSED ANY PAYMENTS, I DID SOME RESEARCH ON TEXCAP, AND FOUND OUT THEY ARE NOT REGISTERED WITH THE STATE OF TEXAS, TO PRACTICE FINANCE AUTOMOBILES, THIS INFORMATION I GOT WAS THROUGH THE SEC OF STATE OF TEXAS, TX IS WHERE I LIVE AND WHERE TEXCAP IS PRACTICING BUSINESS, AND THEIR BUSINESS LOCATION, ON XXXX XXXX, A DEBT COLLECTOR CONTACTED ME, BECAUSE I MAILED IN A CASHIERS CHECK TO TEXCAP FOR MY XXXX PAYMENT OF {$670.00} ALONG WITH MY LETTER OF ALL RIGHTS RESERVED NOTICE, ASKING THEM TO PROVE THE DEBT? THAT IS WHEN THE DEBT COLLECTOR CALLED ME, VERY ANGRY AND DISRESPECTFUL, ON A RECORDED CALL FROM MY END, THAT I HAVE INSTALLED ON MY LINE, TELLING ME, HE DO NOT HAVE TO VALIDATE THE DEBT, HE IS CHARGING ME AT ALL, HE SAID IT OVER AND OVER THAT TEXCAP DO NOT HAVE TO PROVE, THE DEBT, AND SINCE I SENT TO THEM A NOTICE THAT WAS NOTARIZED ALONG WITH MY PAYMENT, TO LET TEXCAP KNOW, UNLESS THEY SEND PROOF OF THE VALIDATION OF THE DEBT, THE PAYMENT BEING MADE IS FINAL, I PUT ON THE MEMO OF THE CASHIERS CHECK " CONDITIONAL ACCEPTANCE '' MEANING THAT IS FINAL PAYMENT IF ACCEPTED. I MAILED IT BY US POSTAL CERTIFIED ALONG WITH MY " NOTICE '', NOW TEXCAP AFTER REFUSING TO PROVIDE PROOF OF THE DEBT, THEY ARE HARASSING ME WITH PHONE CALLS AND MAILING BILLS TO ME, AND THEY THREATENED TO TAKE MY TRUCK, EVEN THOUGH, I HAVE ASKED THEM IN WRITING TO VALIDATE THE DEBT, AND THEY ARE REFUSING TO COOPERATE ON PURPOSE BECAUSE THEY ARE COMMITTING FRAUD, I AM SENDING IN PROOF OF THE EVERYTHING, THAT I HAVE DONE TO NOTIFY THEM, AS WELL OF THE BILLS THEY ARE CONTINUING TO MAIL TO ME AFTER BEING ASKED TO DISCONTINUE NOTIFYING ME UNTIL THEY PROVIDE THEIR PROOF OF VALIDATION OF DEBT.
Product: Mortgage

My husband and I have our mortgage thru Wells Fargo Bank and I use on line banking for everything. Unfortunately, like millions of Americans, we struggled with the poor economy, high medical bills and job loss and filed chapter XXXX Bankruptcy. During this process, we reached out to Wells regarding the mortgage payment and were given the opportunity to do a loan modification to reduce our monthly payment. We were very grateful for the help and completed the process. The mortgage is not behind or in any jeopardy, with the manageable payments. My complaint is simple. We are being denied the option to pay the monthly payment on line. When I pressed for an answer as to why, I was told it was the bank policy, the account is restricted because of bankruptcy, I would not be allowed that privilege. In addition, I am being denied the chance to vocalize my complaint with the upper administration of the organization. I feel this practice is discriminatory in nature. We pay the mortgage directly, as it was never looped into the bankruptcy. In essence, we are being punished by the bank for resorting to filing XXXX XXXX. Is there any recourse we can take?
Product: Student loan

MOHELA student loan accounts are showing up twice in credit report. MOHELA very hard to get a hold of on the phone. Unsure why these problems keep happening
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for poor customer service and unjust practices that breach the Consumer Financial Protection Act ( CFPA ). Cash App did not implement timely and effective actions to prevent and resolve fraud on their platform, which left my account exposed and unprotected. Additionally, their dispute resolution process was misleading and unfair, failing to meet the error resolution standards set by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These issues have resulted in considerable inconvenience and financial loss, prompting me to seek appropriate remedies for these violations.
Product: Credit card

In XXXX and XXXX of XXXX, I spent approximately ~ {$27000.00} on XXXX XXXX and " gold coins '' that count towards the XXXX  program of a website called XXXX through Wells Fargo. I did this under the understanding that I would get to enjoy the lucrative benefits that their XXXX program offers ( see attached chargeback document for the details ). 

After advancing in the XXXX  program, they stopped me from purchasing on their website, getting deals, and taking advantage of the XXXX  program that I had paid tens of thousands of dollars for. I contacted them multiple times without resolution. 

I opened a dispute on XX/XX/XXXX with wells Fargo ( original dispute # XXXX ). During this, I attached a key piece of evidence to my case that explained it entirely. Wells Fargo did not even look at my evidence and immediately denied my case. 

On XX/XX/XXXX, I called Wells Fargo and again pleaded my case. They again denied it immediately without looking at my attached documentation. Their reasoning was that I received the XXXX points and gold coins so had no case. This makes no sense, as my entire case is that the XXXX  points did not get me what was advertised. 

On XX/XX/XXXX, I got an automated email from Wells Fargo stating that they had finally received my documentation ( originally sent on the XXXX ) and reopened the case. I called on XX/XX/XXXX and was told " It just automatically reopens the case '', then the employee looked at the 27 document for roughly 20 seconds and said " based on the notes, this won't change anything and we'll close it out again ''. 

Conclusion : Wells Fargo clearly did not take my claim seriously. I was taken advantage of by this company and Wells Fargo did not put any serious effort into my claim. It is not right that they did not take my evidence into account and immediately denied my claim without fair consideration.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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
Product: Debt collection

In XXXX, the Consumer opened a case against XXXX within the CFPB 's dispute mechanism. The subject of this case was the right to collect a debt alleged to be secured by the Consumer 's home. Matters were adjudicated between both parties wherein XXXX certified to both the CFPB and the Consumer that they no longer claimed the right to collect. They further stated that it was their understanding that the alleged debt was sold to Green Tree ( now, DiTech, LLC ). 

In XXXX, upon reviewing a Consumer report indicating the alleged debt from XXXX to Green Tree [ # XXXX ... ], a cease and desist was issued and an investigation as to the validity of the alleged debt in question was initiated by XXXX. The investigation returned unverified and subsequently said item was removed. 

In XXXX, upon reviewing a Consumer report from XXXX, the same unverified debt was still being communicated to a third party over and above a cease and desist vacant a notification as required under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX