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

I have a XXXX XXXX credit card though Synchrony Bank which I rarely use. I made a small purchase in XX/XX/2018 because the store offered 50 % off if I used their card. I only realized yesterday that my account is past due. I did receive monthly statements via email and I acknowledge I didnt open them because I dont use the Card and some credit cards send a statement if you have no balance. Beyond the statements, I never once received a payment reminder or communication that my account was overdue. Even when I go back to the statements and my online account now, there is no indication or alert that the account is past due. When I called the credit card company today to rectify the situation ( I have been charged {$78.00} in late fees and my credit score has been impacted ), I found out that I had been sent to collections. Again, there has never been any communication that my account is past due and the rep acknowledged this on the phone and confirmed the monthly statements via email were the only form of communication I had received. The rep would not refund the late fees, but my biggest concern is the impact to my credit score which was over 800 before this happened. If I had received communication that my balance was due/overdue I would have paid immediately. The charge was {$33.00} and I could have very easily made that payment. I dont think I received adequate communication from Synchrony bank and have been impacted negatively in terms of late fees and credit score. Not so paid the full amount due including late fees yesterday as soon as Inrealized what was going on.
Product: Checking or savings account

Good evening, I opened a Wells Fargo checking account on XX/XX/XXXXand did so after being told that I would receive {$150.00} if I completed the steps required. When I opened this account I did so with the promise of {$150.00} after. The requirements were to make XXXX debit card purchases, which I did between XX/XX/XXXX andXX/XX/XXXXand to make at least XXXX purchases using my debit card loaded to a mobile wallet totaling at least {$10.00}, in which I made XXXX separate using XXXX XXXX on XX/XX/XXXX and a XXXX on XXXX. I 've made over XXXX since then. I completed the requirements. I originally received an acknowledgment e-mail from them on XX/XX/XXXX stating stating that " my bonus is ready '' and completed all of the requirements before XX/XX/XXXX. I 've already spoke to my local branch XXXX and was told XXXX months ago that it should post any day. OnXX/XX/XXXX I sent them a message through the website explaining my problem and was immediately told that I qualified but needed to fill out an XXXX and the money would be credited before XXXX. That same day I went into my local branch and filled XXXX out. I also filled out and mailed the package that they sent me. I received it on XXXX and mailed it the same day. I want to like this bank. I want to close my old account with another bank and transfer my money into this XXXX but how can I when they wo n't honor their obligations. I assume that they do n't pay anyone until they file multiple complaints. The time that I 've spent trying to rectify this is just ridiculous. Can you help me with this?
Product: Checking or savings account

My Chase Bank card is linked to my XXXX. I was paying for a service through cashapp and sent funds to the companies phone number. XXXX XXXX allowed someone else to create an account with that phone number so the funds went to the wrong person. I reached out to XXXX as soon as i told the company the money was sent and they advised they did not receive it. XXXX advised that they could not return the money because it was already deposited into the persons account who received it and i would have to file a claim with my bank which i did. I reached out to XXXX XXXX support through their chat option multiple times and one of the representatives advised that the charge was declined by my bank and may show pending for a while but that it would dissapear in a few days. I have proof of this conversation and i asked when i filed the claim if i could submit the documentation and was told nothing was needed. At the time i filed the claim with my bank i advised them if they needed anything further from me i needed to know before hand because i didnt want to run into any issues with them denying my claim and taking the money out again without me knowing because depending on my payday its unknown how much funds would be in my account. They stated they didnt need anything else and if they did they would let me know. I have not received any phone calls from the bank, no email nor voicemails or notifications regarding the claim. Today i check my account and its negative!!!! They reversed the conditional credit and now my account is negative which is my main financial source i have no funds for gas to get to work no money for anything and i am a single parent with XXXX kids!! My direct deposits are always over 1,000 dollars and you would think the bank would do right by its clients. Some random person has my {$140.00} and now my account is negative and i could possibly lose my job since i cant even get gas to make it to work.
Product: Checking or savings account

Subject : Missing {$250.00} Bonus for Capital One Checking Account Promotion Complaint : I opened a Capital One checking account as part of a promotional offer that stated I would receive a {$250.00} bonus if I deposited more than {$500.00} within the first 30 days via direct deposit. I met all the stated requirements, yet I have not received my {$250.00} bonus. 

I have reviewed the promotions terms and confirmed that I fulfilled all eligibility criteria. Despite this, the bonus has not been credited to my account. I have not received any communication explaining the delay or denial of the bonus. 

I request an immediate review of my account and resolution of this issue by crediting the {$250.00} bonus as promised. Please provide a clear explanation if there is any reason for the delay. This account was opened XXXX called twice about matter and they claim i never called because they don't have record. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report
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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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: Student loan

I am writing to file a formal complaint against EdFinancial, the servicer of my student loans, regarding an issue with the terms of the Student Aid and Fiscal Responsibility Act ( SAVE ) plan, under which my loans are currently enrolled. 

According to the terms of the SAVE plan, enrolled loans are supposed to benefit from a low monthly payment, and importantly, interest does not accrue during the repayment period. However, despite these clear terms, my loan statements from EdFinancial continue to show interest accruing each month. This is in direct violation of the XXXX plan 's stipulations and is impacting my financial situation unfairly. 

I have attempted to resolve this issue directly with EdFinancial but have not received a satisfactory response. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I was told on XX/XX/XXXX that interest would be waived 'periodically ' but they could not provide any exact time frame. On XX/XX/XXXX, I was told that interest would be waived when my loans are forgiven in 20-25 years- which is not correct based on the SAVE plan. I have been enrolled in the SAVE plan since before payments and interest resumed. 

Please find attached copies of my loan statements and any relevant correspondence with the loan servicer. I would appreciate your prompt attention to this matter and any assistance you can provide in rectifying this situation. 

The screenshots from my conversation on XX/XX/XXXX are labeled 1:3 1 and 1:3 2 and the conversation on XX/XX/XXXX is labeled 1:8 1, 1:8 2, 1:8 3. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX  XXXX XXXX has violated several of my rights.

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit card or prepaid card

Open a card with American Express XXXX XXXX in XXXX. They had a promotional offer of XXXX bonus points when I spend {$15000.00} or more. I liked the offer so we had to pay for expenses upfront with our business and met the spend. I spent over {$16000.00} in the first three months. I noticed I did not get the reward after a few months so I called them. They said yes it looks like you met the spend and I would receive it on the next billing statement. I have since done this twice calling AMEX and still have not received my promotional offer. This was hard to do as a small business since we had to pay for things upfront which hurt our cash flow. I am still waiting for the bonus points to reflect on my account after two more months of back-and-forth phone calls.
Product: Bank account or service

My name is XXXX XXXX XXXX and I am an XXXX XXXX, XXXX ; I have recently been a victim of fraud. Someone is depositing checks into my account ( means unknown ) and withdrawing the funds from various ATM 's and XXXX in XXXX, XXXX. The checks are of course faulty ( labeled XXXX XXXX, which no longer exists ) and put my account negative {$40000.00}, plus the {$2100.00} I had in their before the activity began. I reported suspicious activity as soon as I noticed the issue, changed all of my info, reported it to the USAA fraud department, placed fraud alerts with all XXXX credit bureaus, filed police reports with the XXXX ( CID will NOT take the case ; told me to try contacting XXXX PD ), etc. USAA is holding me liable for the negative balance on the account and are exercising their right NOT to do business with me. USAA was unable to explain why I was not notified of fraudulent activity ( I am signed up for fraud alerts ) although activity is taking place in XXXX, and I 'm XXXX XXXX. When I asked why they would allow the account to get so bad, they responded with, " We allowed the funds to be immediately available because you have been a valued customer for so long. '' I was never notified of activity taking place across the US, I never called USAA to make them aware that I was going to be in XXXX, etc. I am married to an veteran as well, and together we have an XXXX yr old daughter. This has put us in a financial bind because XXXX of my XXXX paychecks was directly deposited into the negative-standing account because I was unable to change it in time. I am past due on multiple bills, etc. The ultimate solution I am looking for is to NOT be held liable for the negative balance of {$40000.00}, and to receive my {$2100.00}, which was garnished in the account. If USAA chooses not to continue business with me afterwards, I am ok with that. Any assistance you can provide me would be great. I have also contacted Congressman XXXX XXXX, XXXX XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

For the months of XXXX XXXX XXXX I had a forbearance agreement with the Loss Mitigation Department with XXXX XXXX XXXX XXXX XXXX XXXX  for my mortgage. During this time remarks were made on my credit report of " partial agreement '' with an account balance increase each month during my forbearance period. My forbearance has since ended and I have made regular payments beginning XX/XX/. I have been told I qualify for a deferral putting the balance at the end of my loan which would make me current again. I have been told this paperwork should be to me within 30 days. Speaking with XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX I was approved for the deferral and would once again have full access to my XXXXXXXX XXXX  within 30 days. ( again, documentation stating such should be to me within 30 days ). If I am still in active loss mitigation and have resumed normal payments and have a further agreement to put my missed payments on the end of my loan to become current again how is this company reporting 6 missed payments now, as well as over the course of the last 6 months also reporting a partial payment agreement. They are tarnishing my credit score twice on the same matter. Furthermore, if I am approved for the deferral and the payments will be added to the end of my loan and I will be current again, how am I 6 months behind. This company is ruining my credit score and technically I am still in active loss mitigation. I thought they were helping me and this is nothing more than a nightmare. Once seeing this report on my credit score I called the loss mitigation dept on XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX  and she dismissed any concern and told me to send my concerns to an email address XXXX which I have done so and get no reply. My credit score has decreased over XXXXXXXX XXXX for something I believe should not have. If they agreed to put my payments during the forbearance period at the end of my loan to become current again how am I now late? This makes it seem like I will be past due for the next 30 years. This is the worst company I have ever had dealings with. They are rude, dismissive and every single time I call I am informed something different that the next person has no idea what I am talking about.
Product: Payday loan, title loan, or personal loan

I wanted to pay off my loan was hit with more financing fees when I have paid off the entire loan within a month. My first high payment was met with a phone call from the business owner insulting me by assuming I was making a one time big payment and not paying the rest. This last week I made a payment of {$2500.00}. Asking for the payoff and amount was told it was {$2500.00} called Friday XX/XX/14 and was hit with a financial charge of {$2800.00} and was told that I will need to payoff the $ XXXX. I asked to have them removed and they will not work with me
Product: Mortgage

This mortgage was paid off on XXXX XXXX by XXXX XXXX XXXX XXXX thru Escrow company XXXX XXXX XXXX XXXX. Since I was selling this house everyone wanted it to close fast. Someone did not update the demand for payoff of the loan and instead of paying {$580000.00} actual mortgage payoff, the title company wired {$590000.00} ( Im using rounded numbers ) so this created an overage that was due me out of my equity proceeds. There was an overage which was sent back to an ach number that had nothing to do with the loan payoff. Rather than send it back to the title company SHELLPOINT sent it to a contractor who was working on my house and we had an arrangement. I paid him already out of my escrow proceeds the money due him and this money was supposed to come back to me. Its mine. I do now wish to deal with Mr. XXXX XXXX the contractor anymore because he has threatened me many times and Im afraid for my life. SHELLPOINT mistakenly sent the money back to him because he was making the payments because of our business arrangement. The money was supposed to come back to me the only listed person on title. We signed a release and I sent him the remaining money he was due. Im XXXX years old and he used my house to make money and threatened me when I started acting up. SHELLPOINT said they were looking into it last Thursday then I called today and they had NO record of anyone looking into my concern. They gave me the ACH numbers which match up to the contractors Routing and account number. The contractor has not sent the money back to me and SHELLPOINT is saying so far they are looking into it but noone calls me back! They claim they sent it back to the last ACH number they had in their file and that would have been the contractor because he made the last payment to them ... but I already settled up with him on this payment. I am afraid to contact the contractor. SHELLPOINT should have never wired to an account when they didnt know who owned the account. SHELLPOINT was very rude to me.

I am left without {$5100.00} I was due and as a senior citizen recovering from XXXX I have limited resources now after this sham contractor used me. SHELLPOINT needs to get the money back from XXXX XXXX ACH XXXX XXXX and deliver it to the right owner on title, me. Mr. XXXX is not on title to my home and never has been. He tried to get me to sign over the grant deed and I refused. The property address was XXXX XXXX XXXX, XXXX XXXX  XXXX, Ca XXXX - my sold house. 

Thank you please help me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud alerts on my credit report and have tried to fix this with Equifax directly and with the companies directly. There are several unauthorized inquiries on my credit report and the credit bureau has been no help! I did not authorize these inquiries. 

State employees cred - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This complaint is in response to CFPB Case XXXX. 

I submitted a dispute with Citibank this summer. I submitted the dispute under the wrong classification/category. I have tried for MONTHS to change the classification/category of the dispute, but Citibank is failing to acknowledge that. 

I submitted a complaint that Citibank was not acknowledging my request for a change in dispute classification/category. Their response to XXXX was irrelevant, and did not mention my attempts to change to the correct classification/category. 

My repeated attempts to remedy this situation with Citibank has been futile. 

-- -- -- -- -- -- -- -- -- -Here is a hypothetcal scenario to describe what I have been going through : - You decide to go on vacation to the mountains of Colorado . You find an XXXX-XXXX  and rent a house for 2 weeks. 

- Upon arrival, you find the house in great shape - just what you were looking for. The - house is warm and cozy, perfect for the frigid Colorado nights. During the day, you enjoy going out to hike and explore the countryside. 

- You do this for three nights. However, on the fourth night, you arrive at the house to see that the house is closed. The locks have been changed, and you no can longer stay the night. 

- You contact the owner and he says hey has closed the XXXX. He is pulling out of the business, and refuses to give you back your money. 

- You paid for 2 weeks, but only received 3 nights. He refused a refund. What do you do? 

- Well it turns out you paid with your Citibank card! You file a dispute for services not provided and fraud. 

- Unfortunately Citibank sides with the home owner because you misclassified the dispute. They also decide to take 6 months to make that decision, so the dispute window is now closed and youre out of luck. 

- But wait! Theres more. A friend of yours went through the same thing with Citibank, and Citibank gave him back his money! So now you wonder why Citibank has decided not to help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not update my new address I mailed in with my license and deleted my old address I need the follow address removed not accurate because I no longer live there, not reachable there and want to prevent identity theft 1. XXXX XXXX XXXX XXXX la XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX la XXXX 3. XXXX XXXXXXXX XXXX XXXX la XXXX