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

On XX/XX/2025, I opened a Chase Total Checking and Chase Savings account under a promotional offer advertised by Chase, which offered a total of {$900.00} in bonuses ( {$300.00} for the checking account, {$200.00} for the savings account, and an additional {$400.00} for meeting both sets of requirements ).

1. Account Details and Promotional Offer Account Opening Date : XX/XX/2025 Promotion Details : - {$300.00} bonus for opening a Chase Total Checking account and meeting direct deposit requirements. 
- {$200.00} bonus for opening a Chase Savings account and meeting deposit/balance requirements.

- {$400.00} extra bonus for completing both sets of requirements.

Checking Account Bonus ( {$300.00} ) : -Set up a direct deposit within 90 days of coupon enrollment.

Savings Account ( as provided by Chase ) ( {$200.00} ) : -Deposit at least {$15000.00} in new money into the savings account within 30 days of coupon enrollment ( by XX/XX/2025 ). 
-Maintain a balance of at least {$15000.00} for 90 days from the coupon enrollment date ( through XX/XX/2025 ). 

Additional {$400.00} Bonus : -Meet the requirements for both the checking and savings account bonuses. 

I met all the requirements for the promotional bonuses : Checking Account : -I set up a direct deposit, which was credited to my Chase Total Checking account on XX/XX/2025, XX/XX/2025 and XX/XX/2025. 

XXXX Account : XXXX deposited {$16000.00} in new money into the Chase Savings account by XX/XX/2025 ( the deadline for the XXXX requirement ). 
-The money remains there and will be there through XX/XX/2025 ( XXXX  XXXX  from coupon enrollment ) My current account balance remains {$16000.00} as of XX/XX/2025, exceeding the {$15000.00} minimum required balance. 

I deposited the required $ XXXX in new money by XX/XX/2025 ( as required ). 
My balance has remained above {$15000.00} and will continue to be maintained through XX/XX/2025 ( per the XXXX rule from coupon enrollment, not deposit date ). 
Chases own terms confirm that the 90-day balance period begins from coupon enrollment ( XX/XX/XXXX ) and runs through XXXX XXXX from the deposit date. 
This means I have fully complied with the offers requirements, and Chase 's denial is factually incorrect.

I have attached all relevant documentation that clearly proves my eligibility. I request an immediate review and correction of this error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> {$29000.00} XXXX XXXX, XX/XX/year> {$56000.00} Ive been trying to get this removed for so long so many times Ive sent paperwork
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Ally Financial responded to my complaint on the numerous inquiries I have on my credit report, owning up to one which wasXX/XX/2022but did not explain why my credit report was ran the other 2 times by them on XX/XX/XXXX and XX/XX/XXXX of 2022. Ive contacted XXXX, and was told to reach out to ALLY asking for removal of unauthorized inquiries.
Product: Credit reporting

I contacted Transunion on XXXX/XXXX/16 and requested that all inquiries on my credit report be removed due to their error in deleting them and then placing them back on my report without providing notification to me of such. I was hung up on four different times. Each person that I spoke with had a different justification for why they would not remove it. The XXXX one said that they would n't remove it because I did n't have any inquiries between XX/XX/XXXX and XX/XX/2016 which I explained did n't matter because all my inquiries were removed and that it was a violation of FCRA Section 611 paragraph B ( II ) to place any back on without notifying me. The XXXX person said that their records did n't indicate that I was affected by their error, to which I asked what proof they had of that and never received an answer. By the XXXX person I asked to speak to someone in the Special Handling department in the US and was told they could not transfer me nor allow me to speak with a supervisor. The XXXX person told me that they had provided notification to me about placing the inquiries back on my report. Again, I asked for proof of this and they were unable to provide me with the details of how and when it was sent. The Transunion error affected everyone and now they are refusing to take ownership for their mistake. I respectfully request that all inquiries on my Transunion credit report are removed as they are in violation of FCRA Section 611 paragraph B ( II ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( inquiry XX/XX/XXXX ), XXXX  ( inquiry XX/XX/XXXX ), and XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Prepaid card

I have a Bluebird Prepaid Debit Card by American Express. I purchased this prepaid card from XXXX over 10 years ago. Since about XXXX, I have had more issues accessing my account on the website and app. My password stopped working and I am unable to change the password because I did not receive the new card replacement which is required by the company. I have attempted to explain this issue to the card company hotline, but the card hotline representatives have only claimed that the new replacement card was delivered to my account address and I should have received it already. The card hotline representatives also claimed that I would not be able to close the account until the remaining balance is {$0.00}. The remaining balance is about {$4.00} and a few cents. I have requested more three times last year for the account to be closed. Up to now ( XX/XX/XXXX ), I never received the replacement cards and I never received the remaining check to help close the account. What concerns me is I keep receiving emails bank statements that I can't access.
Product: Credit card or prepaid card

Im not sure of the exact date but on or around XX/XX/20 my card was locked. Due to excessive hold times it took me a few days to find out why the card was locked i was told due to identity verification which makes no sense having be the government has already verified me and i had the card for months. I have sent my id documents several times both by fax and by the XXXX  upload documents at XXXX. To no avail. 
I am writing this because I am very displeased with US Bank XXXX and unsatisfied with not only the fees and inability to find free atms in my area but also due to their terrible customer service, hold times, hang ups and inconsistency amongst staff. 

I have never had to dispute any transactions, deal with fraudulent purchases, replacing of debit card or rude ignorance and changing information among customer service reps with any other bank or prepaid debit cards. All of the issues Ive stated plus more that i dont find tasteful to even bring up. 

Im not one to complain but after three times having to have a new card sent, waiting to be able to use my own emergency funds twice for over twelve days, not to mention being on hold for hours repeatedly before the issues were resolved. This last time that I ordered a new card I was finally made aware that it could be shipped overnight for a {$15.00} fee. Something that was never mentioned or offered the previous two times. One time my card was cancelled and shut off due to the application opening in my purse and miscellaneous buttons being pushed at random. Another time due to a service I never used charging my account for a food delivery to an address I cant even find out to learn who and how my card information was leaked and used. 

I am not comfortable nor do i feel my private information is safe with this company I dont want to continue to rely on XXXX to keep my money at hands reach my information safe and not constantly worry that ill go to swipe my card and it not work AGAIN that ill wait on hold for hours AGAIN and have to have another card shipped AGAIN for reasons no fault of my own. 

Thank you very much for your time and for listening to my concerns and complaints in regards to XXXX  and us bank. I would rather wait a few more days to receive a check that only i can cash and know my money and information is safe then ever rely on XXXX  ever again. No one should be forced to use such a unreliable inconsistent company. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I have notified this and multiple other agencies that have attempted to collect the same debt that it was already paid off. I have sent numerous faxes, emails and spent countless hours explaining I have already paid this debt off in XX/XX/2012. Yet, periodically, I continue to be contacted by this and multiple other debt collection agencies.
Product: Debt collection

I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.
Product: Credit reporting or other personal consumer reports

I recently checked my reports and saw that my address in all 3B were incorrect. I would like my address be updated on file. Kindly change it to my current address this is my current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are 1 )  XXXX/XXXX on XX/XX/XXXX 2 ) XXXX XXXX on XX/XX/XXXX 3 ) XXXX on XX/XX/XXXX 4 ) XXXX on XX/XX/XXXX 5 ) XXXX  XXXX  XX/XX/XXXX attached my the ftc report and I have begun notifying all the appropriate parties. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Hello, I received an email from Equifax that inquiries were made on my credit to XXXX 's, XXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 ( XXXX  XXXX BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). VELOCITY INVESTMENTS , LLC d/b/a CKS PRIME INVESTMENTS , LLC has parked an alleged owed debt, Account Number : XXXX, on my consumer report pursuant to 15 USC 1692d ( 4 ) and this is an invasion of my privacy. Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Mortgage

We have a second mortgage with TCF bank. For the past 11 years we have been paying {$440.00} per month. We used to get a once yearly statement. Recently we have getting a monthly statement. I realized that the amount of principal credited each month was questionable. It should more principal credited each month.. From the enclosed statement you can see that was not the case. In fact almost 2 years of payments show no principal reduction at all. As you go over the statement you find many inconsistencies. Such as we have made the XX/XX/XXXX payment on XX/XX/XXXX. The principal on the statement said {$250.00}, yet we were credited {$120.00}. We were credited {$170.00} on XX/XX/XXXX and then {$140.00} on XX/XX/XXXX. Why would it be less? Why would it be less again on the next payment? I called TCF on Tuesday XX/XX/XXXX at XXXX my time.I spoke with XXXX and she had no explanation. The called last 26 minutes and she acted like I did n't know what I was talking about. She said she would send out a statement and call me in a week. I received the statement which have enclosed. Today is XX/XX/2017 and no call back The money is automatically withdrawn by TCF from another TCF account on the XXXX of each month. Due to circumstances at the time we had to accept a loan that was not very good. We have lived up to our part of the agreement all these years. Due to a first mortgage that is almost paid off TCF would not refinance this loan.
Product: Debt collection

TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. 
TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. 
I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. 
I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. 
Please contact me and let me know what my next steps need to be for you to investigate this issue. 

re : TRS Notifications XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX 2 days past Processing time they deposited check on XX/XX/XXXX. - was told they did it on the XXXX on XX/XX/12. Initial told us 3-5 days to process the check. 

Funds were made available in restricted escrow on XX/XX/XXXX. Now they are saying funding has to be verified for release. But the check is cleared and in the restricted escrow. 

Management transferred us to customer service. Spoke with customer service the situation. They asked if wed spoke with the loss draft department. We said yes. They said allow me to put you on a brief hold and then transferred us back to the lost draft department. 

Approved to be mailed out today. - XXXX ( member of lost draft department at NewRez ) - XXXX  ( manager in lost draft department ) said funding is not available. 
- - Check has been written- XXXX ( member of lost draft department ) - - XXXX told us the check is in written status and needs to be moved over to a ledger ( supervisor in lost draft department. ) Prior to this we were told by XXXX XXXX a supervisor that the check we sent and they deposited on the XXXX of XXXX cleared on the XXXX of XXXX and the check was mailed out on the XXXX of XXXX. However, this never happened. 

We were also told on the XXXX of XXXX, by XXXX, that the funds would be sent out on the XXXX of XXXX or the XXXX of XXXX at the latest. We were also promised a call back by XXXX for XXXX the XXXX and have still yet to receive a call back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection acts ( CFPA ) specifically, Cash App failed to take timely an effective measures to prevent an address fraud on their platform leaving my account vindicated an 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 ( EFTA ) an regulation E. These actions have caused significant inconvenience and financial loss an I seek appropriate redress
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I attempted to access my Venmo account. When logging in, I received an error message : " oauth2 exception : unauthorized action.. ''. I attempted to change my password to resolve the issue, but still received the same error message. I contacted customer service through Venmo 's Contact Us page : XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a response informing me that my login attempt was declined for " security reasons '', and that if I waited XXXX hours, I would be able to log in without issue. I waited XXXX hours, and attempted to log in again, and received the same error message. I contacted customer service again to see why I was still not able to log in. I have over > {$1000.00} in my Venmo account ( I can not confirm the exact amount because I am currently unable to access my account ), and don't have access to those funds while I am locked out of my account.
Product: Credit reporting or other personal consumer reports

This afternoon, I noticed unauthorized inquiries on my credit report, and I have no idea why. I regularly check my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I urgently request a thorough review of the documents Ive sent so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX  XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX  account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

in accordance with the fair credit reporting Act this accoint SELF account number # XXXX is still reporting on my credit this account has violated my rights to privacy 15 U.S.C. 1681 section 604 A sections 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. please delete the account off my report.
Product: Debt collection

This company is violating my consumer rights and breaking Federal laws by continuing to report their collection debt to XXXX-a credit bureau-after I have already formally submitted a dispute through XXXX regarding this debt collection company. They not only have kept their collection entries on my credit report, but they are also falsely reporting it as being an open account for two separate entries on my credit report. I lost my dispute by the way because somehow they managed to lie to XXXX and enable them to keep reporting this no longer valid information to the credit bureaus. There is not a single collection company that has continued to leave their entries on my credit report asides from this company. Every other Collection company has removed and deleted their credit entries on my report, but Universal Recovery Corporation refuses to comply with my rights and the law after I have filed for Bankruptcy on XX/XX/2022. I honestly believe that this is an act of retaliation on their part towards me from a previous legal matter that was filed against them, and was settled in my favor outside of court. Why else would they drag their feet and leave this very harmful information on my credit report when legally it must be removed after they were notified of my bankruptcy status?