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

Citi bank does not honor new account promotion bonus account was opened XXXX and {$1000.00} bonus will be deposited to my account if a ) deposit within 21 days of {$75000.00} and higher b ) keep money 60 days c ) bonus will be deposited within 30 days I called 3 times to customer services, one in XXXX, another one XX/XX/XXXX however each time I was told a different days of the bonus deposit. each time they were able to look up my account using my ssn or account number. 
On XX/XX/XXXX XXXX ( the customer service agent0 kindly caculate the days with me and I was told it will be completed on XXXX or XX/XX/XXXX. 

Today, XX/XX/XXXX calling the office to ask for status, and I was told there is no promotion code in my account, no record of coversation in last 2 times. At last, I talked to the supervisor, XXXX, and he filed a complaint on my behalf, but still no good answer. He is not able to fix anything. 

My concern is whether it is a SCAM. Why I was not told the first time or even 2nd time. 
They would like to keep my money and not payment bonus as advertised. 
It is false advertising. 
I followed all the rules, I contacted the office after account opening before I deposit the required amount within 3 days after account open. 
I should be paid the bonus amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested that an item on my credit report listed under LoanMe be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to LoanMe on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, LoanMe stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. 

I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
Product: Bank account or service

I am a victim of a phishing scam. I opened account with a Wellsfargo Bank on XXXX/XXXX/2016 my account # is XXXX. I am a victim of a phishing scam. Someone with the name " XXXX XXXX Wellsfargo # account XXXX, pretend to be a loan company arrange a personal loan for me, and ask me to deposit {$5000.00} in closing cost. I opened the account on XXXX/XXXX/2016, wrote a checking to this phisher. This personal cashed out XXXX USD immediately. They should not be able to cash out on the same day. I contacted Wellsfargo immediately on Monday to ask them to help retrieve my stolen funds. They did not help. They denied my claim. I understand that I was stupid to be a victim of a phishing scam, when I deposited the check in my Wellsfargo account on the same day, there was no signature on file to verify the check. New account screening should have restrict the transaction to protect me as an account holder. When I opened the claim, they did not help. They fail all the way from start to finish. My wife ended up divorcing me, and I lost my child in a child custody because of irresponsibility of Wellsfargo who I trusted. The person that scammed me still banking with Wellsfargo and continue to look for more victims. No one assist me from Wellsfargo. Not only I lost my money, lost my wife, my kid, and I lost my faith in banking system. Wellsfargo bank, New account Screening, Fraud Department fails me as a client. They were not acting as my fiduciary, but a criminal accomplice continuing helping criminals preying on innocent victims. When my lawyer and I got in touch with the XXXX XXXX District Attorney which the phisher is an employee XXXX at XXXX, she decided to take my case and prosecute this criminal XXXX XXXX who works for the XXXX DA office. I asked Wellsfargo to send only the check that I wrote as evidence to the DA office, they send the claim affidavit which I was assisted in filling out at Wellsfargo. Because it was filled out incorrectly, at the last minute where the DA office was about to prosecute they drop my case due some terrible paperwork that Wellsfargo send to them. Losing XXXX in the moment when I need money the most to save my family my XXXX year old child was important to me, however, more important to me is that this criminal XXXX XXXX still got account with Wellsfargo, still look for people to prey and harm. Please help me with this. My contact number is XXXX. I decided to voice my concern here because of what 's going on with Wellsfargo Bank lately with their fake accounts, their culture of lack of oversight in protecting our country consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX, Trans Union and XXXX credit reports reflect 3 different reported fraudulent information. 

XXXX is reporting incorrect credit card balances with XXXX XXXX and XXXX XXXX. 

XXXX is reporting fraudulent accounts : XXXX XXXX XXXX Account that is fraud, I have the incarceration documents. 

XXXX is reporting fraudulent Student Loans that are reappearing on my credit report. 

XXXX is reporting a XXXX XXXX account with a wrong balance, XXXX have not responded to my dispute in over 45 days. 

Trans Union is reporting fraudulent accounts and refused to correct and remove fraudulent inquiries to non account holding inquiries. 

Ive checked all three reports through XXXX XXXX service and noticed all the fraudulent inconsistencies with each report. 

These Bureaus have incorrect information and errors on multiple reports.
Product: Payday loan, title loan, or personal loan

I have a loan with Lendmark Financial Services. My payment is due on the XXXX. I had to change apartments due to mold & constant violence & then the snow storm hit, which left me flat broke. I inform the lender of my situation and that I could make the payment on the XX/XX/XXXX. Their agent " XXXX '' told me that was unacceptable and they could not take the payment then ( the payment would not have been 30 days late ) ->harassing phone calls and letters started. Then On the XXXX they called me for the payment..?? This is harassment by predatory lender, either you want to work with me or not. I have taken steps in retaining an attorney to mediate the matter, but in the meanwhile I need for the harassing phone calls to cease. According to the law as long as the know where I am at all times, the constant phones and harassment should not be happening. I see why the state of NY sued lendmark. I have been thru enough with this company, they have warn on my peace of mind and faith in fair business practices. I have placed complaints on AND with this company before. In my findings its has been the only way the I and others have received any fair result. The previous complaint I had placed, went well the headquarters/main office were fair and I had no problems this is just on the local level where problems arise. I can no longer afford this loan which I have explained several times, the interest rate of 29 % is taken a toll on me financially especially with last series of events and now mentally. I did not give a closing statement to that complaint b/c I knew i would still be faced with more problems later on. Not just my opinion hundreds of people have & are going thru the same thing.
Product: Credit card or prepaid card

XX/XX/2021 POSTED NOTARIZED CRIMINAL COMPLAINT REGIONAL XXXXER XXXX XXXX, CRIMINAL USE OF XXXX AND CHASE BANKS, XXXX, XXXX AND XXXX, FOR XXXX USC SECTION XXXX XXXX AGAINST RIGHTS, INFLICTED FINANCIAL XXXX AS PRECURSOR FOR HIS XXXX US CODE XXXX XXXX TO XXXX PROGRAMS XXXX XXXX XXXXXXXX OR XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

Equifax is involved in committing Frand with a XXXX XXXX XXXX XXXX they Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 5x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit against Equifax and for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims. Please Be Advised that there is an active lawsuit in progress against XXXX XXXX XXXX. Called in to the customer service the Phone Reps was rude disrespectful hanging up in customers faces saying XXXX slurs argumentative with me made a commit sayin you Americans foreigners are handing Americans accounts and they are XXXX and are misusing there power to falsely use the American people accounts by furnishing false inaccurate information and credit scores to hurt and keep the American people suppressed. this is illegal and needs to be investigated the American people personal information is in the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER TACTICS FROM EQUIFAX
Product: Credit reporting or other personal consumer reports

I was incarcerated during the time they claimed I open up the account ( impossible ) i have the documents to proved i was locked up and I have no idea who caused the identity theft
Product: Debt collection

The Department of Transportation has reported false information and statements regarding this debt. I was cleared for no wrong doing regarding this debt. I responded to the lawsuit to attend court and the Department of Transportation never contacted me or responded to my response and continued to look for money that I do not owe. This is a 3 year old debt and out of state. The incident this sent took place was in Michigan at the airport. Please remove this false allegations of debt owed off of my credit report and please ask this company to stop harassing me for debt that is not owed.
Product: Student loan

Hello After speaking with a representative from my loan servicing department to recertify for the Income Driven Repayment Plan process I decided to poke around in my online account with Federal Student Aid. On my dashboard to the left I decided to just look at who my loan servicers were and come to find out it shows that loans were disbursed by four different colleges when I have only attended two in the past. Those two colleges are XXXX XXXX and XXXX XXXX XXXX. The other two colleges that I never attended that equals to the four are XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

On the other hand the four loan servicing companies that are on my dashboard are American Education Services ( AES ), XXXX, Dept of EdXXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). The only two servicing companies I have been in contact with is American Education Services and XXXX. However I haven't really been receiving any emails or updates from XXXX as well either. So literally the only loan servicing company I have been in contact with is American Education Services. 

I immediately called American Education Services back to find out how I can deal with this scary situation because I have been through identity theft before when it comes to my filing my taxes. With that situation on my taxes I had to go through an investigation before I can even receive my tax return refund which was overbearing and stressful as a single parent. 

I contacted the financial aid department for XXXX XXXX to verify if any loans were disbursed and if so to please send all the information required on any loan disbursements. I spoke with XXXX XXXX in the Financial Aid office at XXXX XXXX and was advised that everything was cancelled on XX/XX/2005 and no loans were disbursed. I also contacted the financial aid office for the XXXX XXXX XXXX XXXX but for some reason its hard to get in contact with them and your on hold for a very long time. 

For my online account with Federal Student Loan it shows that I have three different types of loans. 

1. ( 2 ) Consolidation Loans : {$25000.00} ( Income Base Driven Repayment Plan Completed On same submission date for this dispute XXXX ) 2. ( 8 ) Subsidized Loans : {$9200.00} - ( this is the only total amount showing on my credit with XXXX XXXX ) 3. ( 2 ) Unsubsidized Loans : {$0.00} 4. Total Balance : {$34000.00}
Product: Debt collection

I lived in the apartment of XXXX XXXX and left early due to my immigration status changing which caused me to not be able to work. I reached out to the property XXXX XXXX XXXX via Email communications and informing her of my circumstances, I requested to Terminate my lease early in XX/XX/2023 and forgo my security deposit. XXXX contacted her corporate office and they approved allowing me to end my lease two months early without having to pay back rent as long as i leave by the XXXX of XXXX. The amount of money which is being seek in collections is after the agreed upon move out date of XX/XX/2023 this was not what me and XXXX apartments agreed on meaning this collection request is in error i have attached all communication between myself and the property manager XXXX XXXX
Product: Debt collection

Citizens Bank claims I owe XXXX since XX/XX/2017 for a credit card transaction card # XXXX. They have not provided proof I owe this money. Supervisory staff hasnt returned my calls and refuses to escalate my complaint for internal review. The bank has reported this past due amount to the credit bureau impacting my credit report. I would this issue investigated and if its determined I dont owe the money, a corrective letter sent to the credit bureau.
Product: Student loan

I am a XXXX  XXXX in California at a low income XXXX XXXX. I learned in XX/XX/XXXX that I may qualify for the XXXX loan forgiveness program. I applied for the forgiveness program through my lender, Nelnet and my lender told me that my XXXX had not yet reached the 5-consecutive years for me to qualify. My lender then informed me about forbearance I could apply for. They also told me that interest would continue to accrue, however, since the forgiveness amount ( up to {$17000.00} ) far exceeded my current balance ( close to {$9000.00} ), this was a reasonable option for me since I would be able to fully qualify in XX/XX/XXXX. So, I applied for forbearance in XX/XX/XXXX and XX/XX/XXXX and was approved by Nelnet. This year I applied again, however, this time I was denied. Nelnet informed me that since I had an outstanding student loan before XX/XX/XXXX, I did not qualify for the XXXX loan forgiveness loan. The loan I was seeking to have forgiven was established in XX/XX/XXXX and was for my XXXX degree. The loan from XX/XX/XXXX was for my XXXX degree and was paid off long before I took out the XX/XX/XXXX loan. Nelnet then informed me that it was their mistake for allowing the forbearance for the past two years. I then complained saying that interest has been accruing and at this point I would have had only 2 years left on my note. Now I have 4 years plus additional interest due to the forbearance causing my monthly payment to be {$50.00} more than it was back in XX/XX/XXXX. When I asked the Nelnet advisor how they planned to monetarily fix their mistake, they said there was nothing they could do. The only action available to me was for the Nelnet advisor to type up a formal complaint. This discussion took place on XX/XX/XXXX. Is there any further action I can take to remedy to additional interest that was added to my account? 

The two screenshots I attached shows how the balance has changed due to the interest.
Product: Debt collection

I had a debt with XXXX which sold the debt to Nationwide Capital Services but a " Structured Settlement '' company keeps calling me. They never contacted me but one day I contacted them to settle the debt but then had an emergency and they have not stopped contacting me to get the payment since. A man by the name of XXXX XXXX has called me nonstop and called my family members to get me to pay. He was very abusive in tone and asked why I was ignoring his calls. Structured Settlement sent me an email stating that if I don't pay they'll take legal action. He left a message and laughed when he mentioned that they would have to get an attorney. XXXX XXXX has been taking this personally and won't stop harassing me and has caused distress. Their location does not match what they have in the email and they call from different phone numbers to hide their true identity. At this point, I am not sure if this is a legit agency or a scam. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Their phone number is : XXXX but it is also XXXX. XXXX XXXX has been calling from different phone numbers like : XXXX and XXXX. As you can see, this company is all over the place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting

There is a {$340.00} reported XXXX XXXX ) by transunion on my credit report. This is wrong, i dont know what this is about and it is reported as derogatory XXXX on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit card

On XX/XX/2023 I purchased a XXXX XXXX on the XXXX XXXX located in XXXX XXXX Once I arrived I was notified that the cruise was cancelled because of bad weather and rescheduled for XX/XX/2023. I and my guests arrived at XXXX XXXX for the XXXX XXXX cruise only to find out that it was also canceled and rescheduled for the previous night XX/XX/2023. I was never notified by phone or email or any other way that the cruise was moved to yet another date. I filed a dispute with Discover stating all of the facts above. Discover claims that the charge was valid and no refund is available. At this point, I am to assume that Discover purchases are not protected against fraud which is clearly fraud.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint regarding issues I have experienced with XXXX, specifically involving unauthorized transactions, lack of accountability, and failure to provide appropriate customer service. I believe these issues are serious and warrant investigation, particularly given the increasing prevalence of fraud and consumer harm related to XXXX. I am requesting that the CFPB investigate the practices of XXXX and its partner financial institutions regarding their handling of fraud and unauthorized transactions. I also urge the CFPB to evaluate whether XXXX current system of handling consumer complaints and disputes is adequate and compliant with consumer protection standards.
Product: Money transfer, virtual currency, or money service

I was scammed by cash app. I had XXXX took out of my bank account. Someone called my phone acting like customer support from cash app and got my debit card number. Once I woke up all my money has been drained from my checking account.