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

I applied for an HSBC Premier Checking account on XX/XX/XXXX under a promotional offer whereby HSBC Bank promised to pay a welcome bonus for completing direct deposits. They are refusing to pay the bonus because they say I didn't apply by following a link that would make my account eligible. This is not true. I have followed all terms and conditions and the bank refuses to pay the bonus. See attached terms of the bonus offer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I have returned my item from Best Buy and was still charged. I have struggled to pay an item that was returned. Ive reached out and they did not assist me properly XXXX XXXX Online order XXXX
Product: Checking or savings account

I have been with chime since XX/XX/2019. I had up to XXXX being deposit each month from payroll. Im also self employed. I was trying to make an order with XXXX when it declined my card. I tried logging into my account and it said it was closed due to a deposit agreement. I didnt agree to anything. Im at a lost right now because I have bills to pay, kids to feed, and more. Why would they close my account without notifying me early. Or even try fixing the problem i had XXXX all my funds in there now its gone.
Product: Credit card or prepaid card

On XX/XX/XXXX my employer reached out to me to inform me that a debt collection attempt was being made through wage garnishment. When I contacted the company attorneys, the company being Capitol One I was told that there was credit card debt in my name and social security number going back to XXXX, 19 years ago. Apparently I judgement was issued against me in XXXX, the company alleges that they have been trying to make outreach, however the remainder of the information they have on file does not belong to me including the address where this outreach has been made. I disputed this with the attorneys who now want me to make a fraud charge complaint for a credit card that was open under my name when I was XXXX years of age. I'm XXXX now and I'm asked to provide information from 19 years ago. With Covid, and because of my medical vulnerabilities I'm not comfortable spending time at a police precinct trying to make fraud report, when I have absolutely no information on who could have or would have used my information in XXXX.
Product: Bank account or service

I took my car to XXXX XXXX on XXXX/XXXX/2016. I have a brand new car that I just had to have repaired by XXXX XXXX XXXX for an accident I was in. The entire passenger side was replaced, windows included. I observed the man who claimed to be the business owner, XXXX, cutting the tints while placing them on my exterior passenger side windows. He was also on the phone the ENTIRE TIME he was cutting and placing the tints, and not paying attention to what he was doing. After the work was completed, his coworker came in and asked me how I would be paying. They did n't even attempt to let me inspect their work before asking for payment. Then when I went out to look at my car, his coworker said to me, " OK but before you look, I have to tell you something about your car. '' And then I said " Tell me what? '' When I walked around the car and inspected the job I understood what he had to tell me. There were deep cuts in the exterior glass of my passenger side windows from him leaning on them and cutting the tint. He also did not measure the tint properly and there are gaps in between the tint and the top of the back windows. When I proceeded to express my concern with this, XXXX became belligerent and denied all accountability for the damage he caused, saying the scratches must have been caused by " SAND. '' Sand and dirt do n't cause deep scratches in glass, surface scratches maybe. Also, I had just had my entire passenger side replaced. He cursed, yelled and then proceed to, RIP THE TINT OFF MY DRIVER SIDE WINDOW WITH HIS BARE HANDS. Not only did he damage my car, but he then RIPPED THE WORK HE DID OFF OF IT WITH HIS BARE HANDS. I told him to get away from my car and called the police. When the police arrived the officer gave me XXXX options, either pay for the service, even though XXXX had ripped the tint off my vehicle, or go to jail. I was literally forced to pay for a service that was not completed on my car, and told the officer I was not going to pay for it, and if he forced me to do so under the treat of arrest that I would be notifying my bank immediately and filing a dispute. I called my back as soon as I left the tinting company and they said as soon as it posted to call back and I would have no issue disputing this unauthorized charge. The dispute representative who handled my case told me he could do nothing about it and did n't even want to attempt to dispute the transaction. He reluctantly did but it was after I had to literally argue with him on the phone about my rights as a consumer. No correspondence was sent to me thereafter other than the bank sending me a letter saying my dispute had been resolved and that the provisional credit they placed on my account would be removed on XXXX XXXX, 2016. I called my bank yesterday XXXX XXXX, 2016, and they said the dispute was closed and there was nothing the bank could do about it, and that I needed to continue pursuing it through the XXXX, and my FTC complaint because they would not go further with it.
Product: Credit card

This letter is in response to numerous phone calls with Amazon Store Card and the Synchrony SCRA department concerning the end of my XXXX protection underneath the SCRA guidelines. The most recent was Friday XX/XX/XXXX, with their SCRA department. 

After I advised their office XX/XX/XXXX that I was retiring and was allowed 180 days of further protection I was informed that my interest rates would increase in regards to all XXXX accounts you currently hold for me but I could request a decrease and revaluation of my credit to possibly get a lower rate ; I was also told by Amazon Store card and the SCRA department via numerous calls that the interest rate would ONLY increase for NEW purchases not my existing balance. I have since discovered that my and Amazon cards have started charging me the higher rates on my prior balance which conflicts with what I was told. When I spoke with SCRA on Friday they yet again informed me of requesting a review of my credit reports to possibly get a lower interest rate. 
The company has been amazing with help since GE Money bank to current Synchrony excluding these XXXX MAJOR issues. I expect and was told that prior balances would be exempt from the higher rates unless I made new purchases which I have not. Please correct this issue ASAP and refund me the erroneous and inflated rates. I have always been on time and generally pay in excess of my due amount. An average increase of XXXX % increase is insane and unjust.
Product: Credit reporting or other personal consumer reports

I looked at my ( XXXXexperian/equifax report on XX/XX/year> and noticed some things are incomplete and not accurate. I have one late payment reporting 30days late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CREDIT ONE which reported a 30 day late payment inXXXX. They have violated my rights. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this information can not be verified I demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : DEPTEDXXXX  Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Report # XXXX I filed a dispute on with XXXX XXXX XXXX and Equifax XXXX XX/XX/XXXX. XXXX failed to properly investigate disputes and remove or correct inaccurate, incomplete or unverifiable information. In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I insist you conduct a reinvestigation as require by the FCRA law. Do not accept the findings of furnishers who do not provide thorough results of their reinvestigation which I will ask you to provide to me in detail via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have access to Internet our any way of being able to pull everything back up. I'd never ever worried about credit report our identity theft our social security number theft until I gave birth to my second child and the hospital tells me i had a little girl in there hospital you're already in system when I'd NEVER been to XXXX XXXX XXXX XXXX XXXX XXXX NV In my life till XXXX XXXX when I Miss XXXX XXXX XXXX XX/XX/XXXX of Mississippi resident XXXX XXXX XXXX XXXX XXXX Mississippi XXXX I then run a credit report only to see lots of XXXX when I shouldn't have anything on it at all for I pay cash and have all my life. So my social security number has been used too be illegal claimed as a dependent by a stranger have my life XXXX XXXX XXXX XXXX Louisiana XXXX a XXXX XXXX XXXX is what it states that this person has claimed me as a dependent since I was XXXX of age and incompetent and unstable and XXXX when I have never been anything of such sort then half my life then I don't know them and I've worked sinceXXXX teen paying taxes and have lived alone XXXX of my life and never been married. Then someone has received welfare and ept and government funds under my social security number and I've never once been handed nor asked government for XXXX. Then someone stole my pua and stimulus all of it I've never had a cent. But someone got it. Then someone has CELLPHONES in my name student loans and houses and morages and bank account and cards XXXX and retail cards and loans and on and on when all this is not my life nor my doing not one thing on my credit report is true not one thing. And my son 's both of them SOCIAL SECURITY card and birth certificates never have been given nor found XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I only parent. And someone used my social security number for hospitals and services and have received my children all there cares funds XXXX and I have not been of a penny since XXXX when my first born son was gov of NEVADA kidnapped and illegally ADOPTED then someone used my social security number in Nevada for XXXX XXXX  and I've never been XXXX XXXX.. Thank you for taken care of this matter asap XXXX XXXX XXXX
Product: Credit card

My Fidelity Rewards Visa, issued by XXXX XXXX XXXX, had a balance of about XXXX due on XX/XX/XXXX. I have autopay on, set to pay the full amount owed in order to avoid interest charges and fees. 

The autopay hit my checking account on XX/XX/XXXX as scheduled, however took only approx. XXXX for the payment, leaving me with an almost XXXX balance due on my credit card. I don't always pay close attention to the payments as I know I have autopay on to pay the full amount, however this one struck me as wrong and I checked it. I called XXXX and they said the full payment was not taken sue to system confusion with credits that had come in after the billing period. I was asked to make an additional payment of almost XXXX to meet the statement balance. 

I happened to notice and will not be hit with any fees and interest, however XXXX has a system issue that needs to be addressed. I pointed this out to the customer service rep on the phone but she was clearly not in a position to pass this on to management. 

There are certainly other consumers who have been or will be impacted by this XXXX system issue and will be charged interest and fees that go unnoticed. As a former Compliance Officer at large financial institutions I would have wanted this reported to meXXXX I don't know how to report this to the Compliance team at XXXX so hope you will pass this along to them. 

Thank you.
Product: Checking or savings account

XXXX XXXX  XX/XX/XXXX XXXX {$99.00} XX/XX/XXXX XXXX {$48.00} XXXXpayfair refuses to credit these refunds to my account. I have tried daily for 14 days, now they say since it's outside 10 days, I'm out of luck.
Product: Debt collection

I checked my credit a few months ago and saw an account that I did not recognize. I have disputed the account with The Bureaus Inc, and I have received nothing in the mail at all! It is my right to know what and why someone is reporting information about me to a third party. I did my research and found that I need to file a complaint here to punish and eventually get this company fined! Please investigate this company as I am sure I am not the only person who has issues with the confusion this company creates, even their name is misleading!
Product: Checking or savings account

I had an account with XXXX everything was fine was getting direct deposit and they were helping me fix my credit. My account was restricted after I notified them that there was a check that was deposited into my account and I didnt put it there and was wondering what was going on. They told me it will be an investigation that could take up to 30 days but never got back to me and now I cant even open a bank account anywhere. I was a loyal customer I feel they should unrestrict my account because Ive done nothing wrong
Product: Money transfer, virtual currency, or money service

I have submitted 2 disputes through my bank in XXXX and Paypal received those disputes on XXXX XXXX i immediately called to cancel the disputes on PayPals end and called my bank to have the disputed cancelled. I was advised that my bank needs to reach out to PayPal to have the disputes closed. When i called my bank they informed me the dispute was closed and that they have contacted PayPal that the matter was resolved. PayPal refuses to cancel the dispute on their end after me calling in with my bank to confirm closure, me sending in emails to provide proof the dispute was cancelled on the banks end and also me speaking to multiple supervisors to have this matter " escalated ''. When asked when the escalations were done I was advised on XX/XX/XXXX and XXXX. The agent informed me that the " backoffice '' team did not respond to them and will not close the case until XX/XX/XXXX. I have done EVERYTHING PayPal has asked and they are sitting on the information that was received months ago until the last day. I was also advised that the " backoffice '' team did not begin investigation in this matter until a few weeks ago. This case has been open for months and they have refused to handle this matter in a speedy amount of time regardless of my request. Also they refuse to close my account since the disputes remain open. I have asked countless times to close my Paypal account per my wishes and have been informed until Paypal decides to close the dispute they will not close my account. I want my resolution to this matter resolved immediately and also my account closed immediately as is my right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : 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  Transunion, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Lobel Financial, phone # ( XXXX ) XXXX, location located in XXXX, XXXX  is the finance company that handled my loan with my XXXX XXXX XXXX XXXX. I payed the vehicle off fully on XX/XX/XXXX. I called back on XX/XX/XXXX to make sure they close my account, they left a remaining balance of {$5.00} dollars, admitted it was their mistake, and finally closed it on XX/XX/XXXX. I get another call from them on XX/XX/XXXX from the finance company claiming they got an email from the DMV stating there was an error in the system with applying for my lien release/title. They claimed at that point they had to do an in-house filing for my title. It has been another month, I still have not received my title. I also just contacted the DMV, they have no records they said of anyone attempting to get a lien release that matches my vin number for my vehicle, nor do they have any history of the finance company emailing the dmv about my lien release. Its been almost 60 days since I payed the account off. This has caused me such hardships, I paid the vehicle off sooner than expected so I could sell it. I put all my money into the vehicle, hoping to sell it immediately. This has caused me to keep all my finances tied up with his vehicle, while waiting on my title, causing me extreme hardships. I just wish to receive the title in a normal timeframe like everybody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Note : This complaint was previously submitted on XX/XX/2019 ( XXXX ). Despite appeals to Bank of America and CFPB, I got only the standard response and no redress. I had given up except for what I have read since the XXXXXXXX XXXX XXXX protests from last summer -- minority voice suppression via redlining, consequent credit damage and hiding behind fine print legalese to thwart responsibility of financial institutions. As a XXXX XXXX, I wonder if I have been given the same treatment by Bank of America. I hope your office will look at my complaint again from a civil rights perspective. 

To recap, the Overdraft protection ( Line of Credit ) covered a {$200.00} shortfall in my Checking account. A transfer of {$10000.00} was made from our Savings account to our Checking account the next day assuming all is now well. Without a noticeable alert or warning from the Bank, the {$200.00} overdrawn amount in the Line of Credit incurred interest of just {$10.00} over 81 days when I got a delinquency call and I rushed and paid off the amount. However, my credit score took an instant drastic hit from about 840 to around 700 as a result. It will take me several years to get my credit standing back. 

It is unfair of Bank of America to continue such usurious practices. Of course, the public be XXXX  when Banks with assets of {$1.00} XXXX or more accounted for {$11.00} XXXX in overdraft fees in 2019, according to the XXXX XXXX XXXX XXXX. They should be taking a page from XXXX XXXX  that alerts customers when their balance is low and helps them to avoid overdraft fees. 

I hope CFPB will reopen my complaint, insist on Bank of America to provide restitution and change regulations to prevent such abuses in the future.
Product: Checking or savings account

To whom it may concern, I would like to file a complaint regarding an unfortunate issue I had with opening a priority checking account with Citi Bank. In XXXX, I received some promotional offers from Citi for opening a priority checking account. The terms on the offer states that if I maintain a balance of XXXX for 60 consecutive calendar days, I would receive a bonus of {$700.00}. I opened the account on XX/XX/XXXX and made the deposit of $ XXXX into the account on XX/XX/XXXX. 

As of XX/XX/XXXX, about 91 calendar days after the deposit, I haven't received the opening bonus so I called Citi Bank trying to resolve the issue. I was told by Citi Bank that I had to wait an additional 90 days after the 60 consecutive calendar days to get the opening bonus, which was not presented in the online offer. This took my by surprise that a requirement like this should be presented clearly to the new customers. This is not a good practice to attract new customers to open accounts with Citi Bank. 

Thanks for looking into this matter.