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

I had been considering switching banks and came across an offer for new Citibank banking customers. The offer states that Citibank will automatically deposit bonus amounts in cash for new customers opening accounts. I deposited {$80000.00} into a new checking account which qualifies me for {$1000.00} bonus which needed to be deposited within 30 days after a 90 day period during which you must maintain is {$75000.00} minimum balance. I meet all qualifying conditions, fulfilled all requirements but I haven't received the promised bonus amount. At this point it is almost 3 weeks past the said bonus distribution date. Please see attachments I called city bank customer service six times without any results. Each time I am told I qualify for the bonus but I am yet to receive it. I inquired about the reason for delay but keep getting inconsistent answers. One day I'm being told my complaint has been reviewed and funds will be deposited in 48 hours next time I'm being told they are still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX  XXXX Bankruptcy XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX Card Services 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Checking or savings account

Insurance company XXXX has been taking out money of my account for months. Small increments at first but yesterday they took {$800.00} out of my account and it put me in the red and owe an overdraft fee. The bank refuses to dispute it saying I have to demand my money back from XXXX. I NEVER authorized XXXX to take any money out of my account, nor do I have them as insurance. I need that money as I live with my XXXX son who can't work.
Product: Credit card

On XXXX, I called Discover to talk with them about an open dispute I have. 
My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. 
In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion from the bankruptcy court in regard to a bankruptcy reporting on my credit report stating that they dont give our public record to the credits bureau. In response to the dispute transunion sent me a letter stating that the information was inconclusive from what the letter state
Product: Mortgage

We paid off our mortgage with wells fargo on XXXX/XXXX/15. On the evening of XXXX/XXXX/15 I received a letter stating that I had to call them to cancel my auto withdrawal of my mortgage payment. I checked my account and noticed that they had tried to withdraw the mortgage payment, so we were charged XXXX XXXX. insufficient funds charge. I called them XXXX and told them to cancel my auto withdrawal. On XXXX they tried to withdraw again. We got another XXXX charge, plus a recurring insufficient funds charge of XXXX. So now we 're up to XXXX dollars in our account. I called wells fargo again, and the girl kept saying I have no record of your call, you never told us not to take the money, and there 's nothing we can do about it, you need to put a stop payment on your account. Also that they would n't refund the fees. So, I called XXXX bank and told them what was happening and she told me that, sure, they could put stop payments on those amounts, but it would cost XXXX for each XXXX. At this point I told her to close my account. She said she could n't close it until I paid the fees.
Product: Mortgage

My realtor has initiated a short sale with PNC in XXXX of 2015. Each time she and I have spoken to PNC we have both been given incorrect information pertaining to my loan. She has faxed to over XXXX pieces of requested documentation repeatedly and has been told the file would be submitted for short sale process. She had names, dates, and information logged for each phone call made. PNC did not even have my correct phone number, email, nor bank info which was provided numerous times. Their response is always " we attempted to contact you '' knowing the number was incorrect and continuing to call an incorrect number they had on file. Now I am being told I am eligible for a repayment/loan modification plan which does not make sense as my financial info was submitted ( again numerous times ) and the calculations they are using are not accurate nor correct. They have offered to reduce the monthly mortgage payment from {$2300.00} to {$2000.00} which again I am not able to afford this payment as I am the only individual currently residing in the property with reduced income by more than XXXX %. I am totally frustrated over the lack of communication and disorganization with the reps, team leaders, and supervisors on the phone. They can not even record the phone calls made which my realtor has logged which is telling me they do not keep accurate records and are providing inaccurate info to me. The team leader I spoke to today by the name of XXXX and also the rep by the name of XXXX XXXX ID XXXX both stated the info was not logged and a supervisor would have to pull the conversations and listen to them to verify what was said. At this time, there is a sale date set for XXXX XXXX, 2015 which I was told would be postponed until the offer letter expires on XXXX XXXX. I have no intentions nor can I financially keep this property and therefore have no other option but to pursue a short sale. My next phone call is to HUD which they advised me to contact to further investigate my file regarding pursuing a short sale. I 'm sure I am not the only account holder experiencing issues similar to this with PNC. They are once again the main reason why this file has been delayed since initiation back in XXXX as each time the info relayed is either incorrect or not relayed to where there is an understanding on both sides. Please begin the investigation asap and if need be I can provide updated financial info or whatever necessary documents required on my behalf. Thank you in advance for your time.
Product: Credit card

I had a credit with Fortiva for XXXX XXXX I owed XXXX and some change. My account was sold on XX/XX/XXXX to XXXX XXXX  where XXXX XXXX  called me and I set up a payment plan of {$130.00}. XXXX took out the payment on XX/XX/XXXX and then today XX/XX/XXXX around XXXX XXXX XXXX XXXX Fortiva took out {$240.00} making my bank account - {$190.00}.
Product: Checking or savings account

We have a fraudulent transaction for {$95000.00} that was presented against our bank account. 
We run a small XXXX  business in XXXX, Illinois. My son bought a load of cattle in Iowa at an auction ( XXXX XXXX XXXX ) in XXXX, IA at the end of XXXX and we sent them a check in the amount of {$95000.00}. The check cleared our account with the XXXX XXXX  XXXX XXXX XXXX, ( in XXXX XXXX Illinois ) at the beginning of XXXX. However, when we received our XXXX bank statement ( in XXXX ) we noticed that the check was no longer written to the auction company, it was written to XXXX XXXX XXXX in XXXX, Mississippi. The check number, the date, and the memo all remained unchanged. We contacted our bank immediately to report the fraud, we immediately contacted our county police department, and contacted the auction company to see if they had ever received our check, which they had not. 

There was a symbol showing up on the copy of this check that was not showing on the other checks clearing on that statement, but we could not make out what it said, it looked like a security feature that is common these days. I called our printing company to see if they could decipher what that symbol said, and it was the printing company who noticed that this check was unlike the others in our statement. Our checks have a decorative border, this one did not, our checks have a grayed area for the signature, this one did not, but it was a surprisingly good copy! 

Our bank started the process to have the check returned to the bank that accepted it ( JPM Chase ) on XX/XX/year>, and on XXXX XXXX the funds were back in our account, and they assured us that if the funds were still there on the 4th business day, we would be safe and all would be well. The 4th business day came and went. After XXXX days ( XX/XX/year> ) our bank notified us that the Fed was withdrawing the funds from us again! Our bank has been getting the runaround from Chase, they filed a claim with their Claims Dept, who said they needed to start a case with their XXXX XXXX XXXX XXXX dept, who said we need to go back to the Claims Dept! I even spoke with someone at JPM Chase 's Executive office. The entire process is frustrating and shameful on Chase 's part, they sit around referring us to the same departments all while our company is out a huge part of our working fund! 

I have reached out to the FBI, the mail delivery theft department and I contacted the FDIC, which led me to contacting the Office of the Commissioner of Currency. They suggested filing a complaint with them against our bank but I am struggling with the decision to do that because I honestly believe that the responsibility for returning our money lies with Chase Bank, as does every person in the Corporate banking world we have gone to for help!! We are grasping at straws and my niece worked for CFPB a few years ago and she suggested I reach out to you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts and inquiries that have appeared on my credit report due to a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that all accounts and inquiries listed below be blocked and deleted from my credit report as they are fraudulent and unauthorized. 
Disputed Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$45.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX : {$540.00} Unauthorized Inquiry : XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX late payment home Depot account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with Home Depot. You see my husband is a XXXX XXXX XXXX XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a Home Depot account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Protection Act ( CFPA ). Specifically Cash App failed to take timely and 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 did not comply with error resolution requirements under the Electric Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>2024, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>/2024, XXXX  Date of Inquiry XX/XX/scrub>/2024, XXXX Date of Inquiry XX/XX/scrub>/2024, XXXX  Date of Inquiry XX/XX/scrub>/2024, XXXX  Date of Inquiry XX/XX/scrub>/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>/2024, XXXX  XXXX  Date of Inquiry XXXX/XXXX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>/2024, XXXX  XXXX XXXX  XXXX  Date of Inquiry XXXX/XXXX/2024 XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2024
Product: Credit card

Dear CFPB, I am writing to formally lodge a complaint against PenFed Credit Union for ongoing unfair and detrimental practices that have severely impacted my financial standing and credit score.

PenFed has repeatedly locked my accounts without valid justification. I have multiple bank accounts with other institutions and have never faced similar issues. There were no out-of-state transactions, disputes, or flags to warrant these repeated account restrictions. These unwarranted actions have caused the following : 1. Damage to My Credit Score : My credit score dropped from 800 to a lower range due to the inability to access my funds and manage payments effectively.

2. Unexplained Reduction of Credit Limit : PenFed reduced my available monthly credit from {$2000.00} to {$600.00} without notice or justification.

3. Restriction of Personal Funds : They locked my personal checking account funds, leaving me unable to access my own money.

For context, I maintain an excellent financial history with other institutions : {$12000.00} XXXXXX/XX/XXXXwith XXXX XX/XX/XXXX $ XXXX cash rewards with XXXX XXXX $ XXXX XXXXXX/XX/XXXXwith XXXX All of these accounts remain in good standing with no negative payment history, major debts, or violations tied to my Social Security number. 

Despite repeated attempts to resolve these issues directly with PenFed, including monthly communications with customer support and requests to prevent further account locks, no clear explanations or resolutions have been provided. This violates the spirit of fairness and transparency required under Regulation E ( Electronic Funds Transfer Act ) and possibly Regulation Z ( Truth in Lending Act ), as PenFed failed to provide adequate notice and justification for their actions.

PenFeds practices have caused undue stress and financial harm, impacting my ability to manage personal funds and maintain my creditworthiness. I kindly request that the CFPB investigate these practices and ensure that PenFed is held accountable for its lack of transparency, repeated account restrictions, and detrimental effects on consumers like myself.

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

Request for Correction of Credit Report Information Dear Experian, I am writing to bring to your attention several discrepancies in my credit report. 

XXXX XXXX has been removed from my credit report many years ago. There seems to be a duplicate report for XXXX XXXX and XXXX. 

Additionally, DEPT OF ED/XXXX has inaccurate information regarding account details and balances. 

Specifically, concerning XXXXXXXX XXXX XXXX and XXXX XXXX  accounts, they have already been removed due to either the statute of limitations or the inability to validate the accounts. 

Moreover, XXXX XXXX has exceeded the statute of limitations and failed to provide validation for the debt. XXXXXXXX XXXX has also surpassed the statute of limitations and should be promptly deleted from my credit report, as verified with the Attorney General of Ohio. 

Furthermore, the XXXX XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Your prompt assistance in addressing these matters is greatly appreciated. 

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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account : XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new One Deposit Checking account with Citizens Bank  on XX/XX/2019. The online signup page states that I will be receiving a {$600.00} bonus with a single employer direct deposit of {$2000.00} and the bonus will be posted by XX/XX/XXXX. I completed the requirements on XX/XX/XXXX. The bonus has not been posted as of today. I have made repeated attempts to contact the bank via secure message but my inquiries remain unanswered. I have also included screenshots of the offer page and the bonus posting schedule below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Applied for a mortgage with Navy Federal several months ago. I made it very clear and expressed concern with the loan officer, XXXX XXXX, that my income had significant stipend amounts that I believe could affect my eligibility as I work as a XXXX XXXX. She assured me she there would be no issue and that she had worked with several XXXX XXXX before. She stated my income was well above the needed amount to afford the mortgage I was applying for. 

Before accepting a new employment contract for a different income amount, I told XXXX about this to make sure there would be no issues as I could get a different contract, if needed. She assured me that she ran it by underwriting and there would be no issue. 
Through out this process XXXX has been extremely hard to get ahold of. She has only answer her phone two times out of the dozen plus times I have called.

Approximately two weeks before closing I am being told I am denied because of my income is not enough, strictly due to the employment contract that I just signed. No one ever notified me and XXXX has refused to respond to my calls or emails. Her supervisor is now attempting to convince me that I should apply for one of their other loan products with a substantially higher interest rate.

This is a prime example of a Bait and Switch tactic that is magnified by the urgency of the situation as a home purchase is now in jeopardy at a point where there should be no concern about my financial ability to pay.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cashapp ( block , inc . ) Due inadequate customer service and unfair practices, which violate consumer financial protection act.Specifically, cash app failed to take timely and 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 did not comply with error resolution requirements under the electronic fund transfer act and regulation e.These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.