23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Back on XXXX XXXX 2015 I used my easy deal points with my citi card, and also had to pay {$23.00}. XXXX to order the XXXX XXXX Journal news publication for about 10 months. I was told it would take 12 weeks. Well it is now 15 weeks and no XXXX XXXX journal. 
When I called citi cards they said they could not help me. I told them I still wanted the XXXX XXXX journal under the agreement they told me to call easy deals. Easy deals tells me they do not know what happened and will check on this. I called easy deals last month too and got the same story. I am still waiting. I have never in my life had to deal with such incompetence!!! Shame on Citi! 

I am getting the run around from citi cards and easy deals and either want the subscription at what I paid for or cancel the order and credit my money back of {$23.00} centCiti card and easy deals are an incompetent operation to say the least, and have no clue at what is going on. There customer service reps are clueless!!!!! 
When is comes to customer service Citi and easy deals are horrendous! 
I want answers as soon as possible!!!! 
Enough of the run around. I am getting ready to drop the charge card and go else where & gt ; Horrible service. 
I want a higher up supervisor to call me and solve the issue immediately. 

Due to the horrific service and waiting ... I want easy deals to compensate me ALSO with a free yearly subscription to XXXX magazine at no charge!!!! 

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

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contacted the customer service on the phone and branch to close my business checking account with Huntington as I move to different part of the state. I did that on XX/XX/2022. I was told the only way is to come into the branch. I am unable to travel for XXXXXXXX XXXX  just to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax divulged an immense amount of personal info due to a cyber attack. I am one of the people affected. Their resolution was to provide a year of credit monitoring. I do n't believe that 's fair.
Product: Checking or savings account

I opened Checking and Savings accounts with Citizens Bank per the {$600.00} promotion sent to me via US mail. The promotion is structured as follows : Receive {$300.00} for the checking account, {$200.00} for the savings account and {$100.00} bonus for both. 

I've followed all terms and conditions, yet Citizens Bank refuses to honor the Savings and Bonus portions of the promotion as the " deposit was not made in a timely manner ''. I attempted to open the account on XX/XX/20, the account was opened on XX/XX/20 after I sent identity verification materials and fully funded, after linking an external account, on XX/XX/20. 

I received the Checking bonus on XX/XX/20, which aligns with the promotion 's terms. After not receiving either the Savings or Bonus promotional dollars, I sent a message requesting the status. I was subsequently told that the " deposit was not made in a timely manner '' per the firm 's " Marketing Department ''. Upon review of the attached promotional flyer and terms and conditions, there is no indication of the amount of time one has to deposit the required amount into the Savings account. Further, by Citizens Bank 's delay in opening of the account, I lost the ability to deposit the required {$15000.00} at the time of opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are old accounts I've been XXXX for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not
Product: Credit card

We signed up for a synchrony / care credit account in which we had 0 % interest for a certain period of time. In addition, they sent an email ( after the fact ) that they were going to start charging {$1.00} per month for mailing out statements. This was not part of the original agreement and Synchrony is changing the terms after the fact. The company is attempting to do a money grab, on top of the 30 % + interest for any payments not received on time or after the 0 % grace period is up. 

It comes down to greed and unjust business practices. Synchrony needs to adjust their policy or face legal challenges.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed my credit reports. I spotted inaccurate information that needs reporting and correction through your company. This is clearly violating the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Product: Checking or savings account

On XX/XX/XXXX a fraudulent check of {$2900.00} was deposited on my checking account. As per the mail that i received from Citibank on XX/XX/XXXX. As a result ; the bank locked all my accounts that week. I called the bank that same XX/XX/XXXX to inquire about the situation ; i was told that a deposit was made in my account and a {$1000.00} was taken out from the ATM. I informed the bank that i wasn't me. Then i called the bank on XX/XX/XXXX and spoke with the Citibank fraud department. I wasn't directed to the claim department that day. On XX/XX/XXXX after several attempt to get feedback from the bank ; i was directed to the claim department. A claim for {$1000.00} was submitted on my behalf. Then on XX/XX/XXXX i got paid from work ; i called the bank in regards to, y funds ; there was no fund. I explained to the bank that during this process i got paid from work twice : XXXX payment from my employer was on XX/XX/XXXX for {$670.00} then on XX/XX/XXXX for {$920.00}. A total of {$1600.00} was confiscated by the bank and i haven't heard anything about those funds yet. No one from the bank was able to give me any explanation into that. Furthermore ; then i was informed that on XX/XX/XXXX that the investigation will be completed by the bank and my funds will go back to my account. When i called Citibank at XXXX on XX/XX/XXXX ; i was told that my claim was denied with no further explanation as to why. I can't access my account online. I inquire about me employment funds. I was told that there are no funds available in my checking account.
Product: Mortgage

I contacted Guaranteed rate on XX/XX/XXXX to get the property taxes taken off my mortgage because I have a 15 year tax abatement. Im being charged XXXX extra dollars a month. I was told after a year the account would be audited and the extra money would be taken off and all the money would be returned to me. The mortgage had been sold to XXXX XXXX and they are telling me they have no paperwork stating that I have a 15 year tax abatement. I then called Guaranteed Rate back and they are saying since the mortgage has been sold they can not help me. Paying a extra XXXX $ a month is putting a financial burden on me.
Product: Credit card

XX/XX/24 I made a payment of XXXX on my Venmo account from Synchoncy Bank. 
I woke up on Monday and the credit company made another payment of {$3700.00}. I did not do that payment. 
I called my bank and paid for a stop pay. 
I called Venmo and explained what happened. They suggested I do what I did. 
Venmo tried XXXX more times the next day tried to take that payment. I called again and they said to call back to discussed the XXXX payment for non payment. 
Today I found out they closed my account.i called and they could not explain why. I did what I was told to do. 
This is all within a week of the transaction. 
I filed a federal fraud because my account could of been hacked. 
I disagreed how I was treated
Product: Debt collection

On XX/XX/2020 I called Transworld Systems to resolve a debt that was on my credit report. I was told that the balance I was referencing was {$56.00} but also had another balance on a bill that was {$28.00}. The representative with Transworld said that the {$28.00} bill is not on my credit report because it is under {$50.00}. I specifically told the rep that I want to pay the {$56.00} balance and not the smaller one. I made the payment on the same day. After checking my credit report, I have noticed that only half of the amount was shown as paid. I called Transworld back onXX/XX/2020 to inquire about it. I was told the payment was split up and half of it was applied to the other debt. It is my understanding that when I pay a bill and ask for the amount to be applied to a specific bill, that it has to be done and not just applied to what ever they would like to. They told me that it would be corrected but I'm not certain that it will get done. Both of these conversations were on a recorded line.
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I believe the account with LAtlantic Capital Bank might be questionable. Atlantic Capital Bank must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If XXXX XXXX XXXX can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. ATLCAPBKXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Bank account or service

Thank You for your help, i have a account with bank of america. I knew my balance was low so on tues XX/XX/XXXX i checked my account on line at XXXX it was ok, so i headed to work i start at XXXX i am a XXXX so the time i checked my account was on wed XX/XX/XXXX at XXXX i seen that the bank had charged me {$35.00} for not having insufficent funds ( - {$6.00} ) i called the bank and i explained that i checked my account on XX/XX/XXXX at XXXX i explained to garret the supervisor what happened that the bank was closed from XXXX to XXXX a total of 15 hours common sense would tell you this is not right i told him that he should refund my money because i was not given enough time to correct the problem he refused..
Product: Mortgage

Back at the time that XXXX sold our mortgage to M & T Bank, we have had nothing but problems. On XXXX XXXX, 2015, I received a letter from them that my mortgage was being raised by {$400.00} a month due to them not takinig care of the insurance the way they should. They received information 6 months before and put it in a file until they felt like it was time to review everything. I contacted them about this and there was nothing that they were willing to do in order to correct it. They said that it is policy and that we have to live with it. This put a financial strain on us anyway due to my partner 's health and my daughter who is in XXXX due to neglect in a group home that almost killed her. She has moved back home for us to take care of the rest of her life due to XXXX XXXX and the XXXX. M & T bank has always been a huge disappointment and we had never even heard of them until our mortgage went to them without our knowledge. M & T has never been on the side of the consumer. It is all about the almighty buck to them. I would not recommend them to anyone ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my chex system report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. 
SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. 
Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. 




It took me a long time to compose everything have it print then stand in line and send it to you. 
And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. 
AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. 

I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for other legal avenues. 



Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I applied for a loan through Avant to consolidate some debt. During the application process I was required to provide my bank account information, presumably to pay the installments of the loan. I was denied the loan and, on the same day, I submitted a request to XXXX to delete my account. 

On XXXX I was responded to saying that Avant could not delete my personal information because the information is subject to the XXXX XXXX XXXX. I responded the same day asking if my bank account information is included in that, as it is the information I would actually like deleted from the platform. 

On XXXX I received a generic response to my previous question that they are sorry for my negative experience and that any additional questions should be directed to XXXX for more help. 

On XXXX I contacted XXXX and stated that, while I understand some of my information must be retained for compliance reasons, why could my bank account not be deleted? 

On XXXX the resolutions department responded to me stating that " all information we gather is used only in accordance with our privacy policy '' and linked me to the policy and told me to read it carefully to understand what they do and what information is shared. 

On XXXX I responded, after reading through the policy, stating that I don't see anything about collecting and using my bank account information. I also asked, since I do not have a credit product from Avant, what is the basis for refusing to delete my bank account from their system? I linked a quote from their privacy policy asking for them to elaborate on it, if it potentially includes the bank account information. 

I have not received a response since. I have asked for follow-up on XXXX and again on XXXX. I contacted XXXX on XXXX specifically asking them to delete my bank account information, figuring perhaps asking them to delete my account was too much. I received the EXACT same response I received on XXXX. I replied that I have reviewed the legislation ( to the best of my ability ) and the linked Avant policy but could not find why they would keep my bank account information. 

I have not received a response. At this moment I do not have much hope this company will respond to me and answer my questions. The question of why and where is the bank account included in the information they must retain for their legal and compliance purposes has gone unanswered. If they can not delete it, fine, but no one will give me a sufficient answer, just generic copy-paste responses or links to policies that do not answer my question.
Product: Credit card

On XX/XX/XXXX, I discovered that Capital One was charging me cash advance fees each month since XX/XX/XXXX, although I have not taken out any cash advances. I have attached each statement which shows that I did not take any cash advance for that month but for each of those months, I am charged a cash advance fee. This is excessive and fraudulent fees applies to me wrongfully, and this has interfered with me paying down my balance because I was wrongfully charges cash advance fees for XXXX amount of cash advances taken out for each month. I have attached each statement for which I was charged a cash advance fee but did not take out a cash advance. The statements attached are from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX.