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

I signed up for a XXXX XXXX XXXX XXXX American Express credit card in XX/XX/XXXX under the notion that I would be receiving XXXX bonus points upon spending {$5000.00} within the first 90 days of opening the card. I spent {$5000.00} in XX/XX/XXXX which is one month later so I have met the spending requirement for the bonus offer and this is confirmed by American Express when I called them as to why I have not received my bonus points. I noticed on my XXXX account that I had no received any bonus points for opening up the XXXX card in XX/XX/XXXX. I called Amex to inquire why I have not been awarded the bonus points. They told me to contact XXXX and find out why because it was XXXX who denied issuing bonus points to me. So I called XXXX right after I got off the phone with them and a representative said it was because I've received a XXXX bonus before and I did receive one from a XXXX credit card I opened up over 5 years ago. The offer terms on the Amex card says this : " Welcome offer not available to applicants who have or have had this product or the XXXX XXXX XXXX XXXX Credit Card from American Express. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. 

Welcome offer not available to applicants who ( i ) have or have had XXXX XXXX Credit Card   from XXXX or the XXXX XXXX XXXX XXXX Credit Card in the last 30 days, ( ii )  have acquired the XXXX XXXX XXXX from XXXX, the XXXX Rewards Premier Plus Credit Card from XXXX, the XXXX XXXX XXXX from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Plus Business from XXXX or the XXXX Rewards Premier Plus Business Credit Card from XXXX in the last 90 days, or ( iii ) received a new Card Member bonus or upgrade offer for the XXXX XXXX XXXX from XXXX, XXXX Rewards Premier Plus Credit Card from XXXX, the XXXX XXXX XXXX from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Plus Business from XXXX or the XXXX Rewards Premier Plus Business Credit Card from XXXX in the last 24 months. '' Now, the last sentence said I won't be eligible for the Amex bonus if I have received a bonus or upgrade offer from XXXX in the last 24 months which I have not received a welcome bonus or upgrade offer from XXXX in the last 24 months. The XXXX representative looked into the account and was confused as why I didn't get my bonus points from the Amex card as well so he put in case to be further investigated ( case # XXXX ). He told me I would receive an email response 3-5 days. Fast forward to XX/XX/XXXX ( two months after I called XXXXXXXX ), I finally get a response saying I received a bonus offer before and wouldn't be getting the XXXX points. XXXX is putting the blame on Amex and XXXX while Amex is putting the blame on XXXX. Amex is  saying I have met the requirements to receive the bonus points. Here I am, sitting here without my XXXX bonus points because XXXX and Amex refuse to honor their advertised promotion.
Product: Debt collection

Landlords property management sold a repair debt to pacific credit services 5 years after the parties, the landlord and the tenants agreed on stipulate to set a side. The agency is now charging an interest rate on an alleged debt as well as reporting it every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with Personal Finance in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted personal finance company on XX/XX/XXXX they stated it would be removed from my XX/XX/XXXXand XX/XX/XXXXbureaus but it has not yet been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY XXXX XXXX
Product: Money transfer, virtual currency, or money service

i tried cashing my check at XXXX and certegy rejected it without a reason
Product: Debt collection

XXXX XXXX from XXXX XXXX calls approximately 10-20 times per week from multiple numbers. He never leaves a message. The only way I know his name is because he called and demanded to speak to my employer and accidentally called my boss while doing so. I have called and asked him to cease all verbal communication and contact via written correspondence only but he told me that he is going to " file paperwork '' and have me arrested if I do n't pay a loan which he discloses nothing about.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and remove the unauthorized inquiries.
Product: Debt collection

2 accounts showed up out of nowhere on my 3 credit reports from a company called Dyck O'Neal.  Acct. # XXXX & Acct. # XXXX, claiming I have a contract agreement with them on a debt that is in another persons name. I wrote XXXX validation letters to the company requesting complete validation as defined by the FDCPA. in over 15 months of going back and forth trying to get validation from them unsuccessfully But they have been continuing to report to the three CRA that accounts are accurate without properly validation and investigation and telling the 3 bureau 's everything accurate and verified without submitting the Bureau 's any documentation also. 

Lastly they are mis representing there entity to the credit bureaus claiming to be a creditor of mines with terms and and contractual agreement with me when they are in fact a collection company and not reporting it as such to the Credit Bureau which is false reporting. They continually report on a monthly basis to the bureau 's as me being late for the last 15+ months but never validated or produce any documents stating as such or according to the way proper debt validation is define by Federal Law. 

When I try to get ahold of the company through the address on my credit reports I'm told by the U.S.  Postal Service that the company doesn't even reside at the address that they are reported on my Credit Reports this Company is i violations of the FDCPA Section 809 ( b ) - continuing to pursue collection ativity on a unvalidated accounts after being informed Ac15 U.S.C. 1681s-2 - Falsely reporting information to the credit bureaus FCRA Section 623 - failure to notify Credit agency of the month/year of the date of thefirst delinquency
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY is claiming I owe them {$5300.00}. I don't know who they are. I have asked them to validate this debt with verification of my signature and they have not. At no time have they validated their claim pursuant to 15USC 1692e ( 809 ).

Please tell them to remove this false and negative reporting which is against 15 USC 1692 2 ( a )
Product: Bank account or service

I have noticed Wells Fargo has been reordering the order of my transactions to maximize overdraft fees on my checking account. This happens on a daily basis. Transactions over five days, will load at once a week later so my balance is never accurate. Furthermore, my deposits are greatly delayed so that I will also continue getting overdraft fees for days until the " pending deposit '' is applied. The general point, is Wells Fargo is manipulating the order of transactions, when transactions are applied to the account, and when deposits are applied to the account to ensure the maximum amount of overdraft fees.
Product: Debt collection

XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted over 4-5 times over a year by mail also provided them with the Identity theft and police report and after several attempt they agreed to remove the information and block my report. I tried to open a new checking account and I was notified by the bank that my application is denied because of the information on my early warnning report and also too many inquiries on your EWS report. It was my first tine applying and shouldnt have tok many inquirues report and not sure what information they have added to their file but since I was a victim a identity theft and previously had account reported under my information and is possible new activities added to my report. 
I previously notified by early warnning that they block my report and supposedly it prevents new activity but looks like they still contain some information on their report that Im not aware of and it prevented me from openning a neq checking account.
Product: Credit reporting

After Reviewing My Transunion credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Transunion and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Transunion stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Transunion certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Transunion is still reporting bankruptcy on my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have used paypal credit for years. This year I made a bigger purchase. Upon sending my payments Synchrony bank would send them back. Then charge me late fees and interest. I personally called and was told that they credited a old account and would rectify it. This is still happening and I just recieved another check from them after they cashed the {$300.00} payment that i made. My records show that I owe about {$1000.00} less than what I'm being charged. This is a simple fix however since I was straight up lied to as it still continues. Knowbody taken the appropriate action to fix their mistakes. Instead I'm still getting overcharged and having to babysit every payment has taken alot of my time. My records show I've always paid on time and have continued too. They also show the great deal of diffrence in what I'm being charged. This has been brought to their attention every month but have gotten no help just continued fraud. I also recieve non stop calls even Sundays at XXXX as well as text messages asking for payments already made. They refuse to be of any help or show their moral, ethical and legal obligation to fix their mistake. Please help. Thank you
Product: Debt collection

In XX/XX/2024 up to XX/XX/2024 Ive been disputing this debt that creditor is reporting I owe XXXX and constantly harassing me for a debt I have no idea about Ive sent them certified letter since XXXX I havent got a response letter from them Im not pleased why they are doing this I feel emotional distress from this as much as Im concerned
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report an XXXX letters last XX/XX/XXXX, XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

I made a payment for my son to an account on CASH APP and when doing this I accidentally hit the space bar and the payment of {$100.00} went to the wrong account. I have made multiple attempts with this company to get my money refunded and they tell me I am just out of luck, I also tried to contact the account that I transfer the money to and they declined to refund my money. The company Cash App is not willing to help out at all!! 

I have now turned it over to my bank as a Fraud!! 

Cash App should be closed down!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had student loans throught Department of Education,  XXXX  ... in  XXXX  of   XXXX   I consolidated all of my federal loans through  XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company was included in my bankruptcy from XX/XX/2014. It was completely gone from my credit and now it has reappeared from Account Resolution Corporation as an open account in the amount of {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried at least 5-10 times to resolve this problem and explained everything to the Bank and Credit bureau at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



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 CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE 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: Checking or savings account

XX/XX/XXXX Keybank froze my checking account and removed my online access. A call to them resulted in being told bring my ID to the branch to unlock the account. I did so. The teller said they would need to hold funds from checking only for 10 days, but I would still have access to 4 other accounts I have there. I attempted to make a withdrawal from savings and was told they would not have enough cash in house until XX/XX/XXXX at XXXX to cover that withdrawal and I could come pickup cash then. Upon realizing they had just told me to come on a federal holiday, I demanded the withdrawal immediate. They said they could try to come up {$10000.00} the next day and made an appointment. A couple hours later the branch manager called to say they won't have any funds available tomorrow and perhaps I could check in the following day. I thought these accounts were protected by the FDIC? Did Keybank run out of money?
Product: Money transfer, virtual currency, or money service

purchased XXXX from XXXX XXXX XXXX in XXXX, il on XX/XX/. they took out electronic and then when the check got stuck in the reader the got it out after i left and than took it to the bank and deposited it, so than it came out again on XX/XX/. we i called them the said it would be taken care of in 7 days. it was not so i went to my bank and they took care of it. now they turned the check into a collection agency, so now i can't write checks anywhere. they are thieves.
Product: Mortgage

We are having problems with US Bank holding our checks until after the due date and then charging us late fees which we refuse to pay. We are trying to refinance with a different company and are at a standstill until we get this situation resolved. We have called them regarding this and have gotten the excuse that the mail is really slow because it is tax time and the post office in XXXX XXXX is backed up like it is XX/XX/XXXX. The funny thing is that this has been happening for the last 5 months. XXXX at US Bank said that they do not hold checks. I beg to differ. The phone conversation that I had with her on XX/XX/XXXX was recorded by US Bank and should be used as evidence of the phone conversation I had with her. I have contacted a local branch manager as well and he said that payments are processed by check date or when cancelled by the post office. He said he would look into it and get back to me within 24 hours or by email. That was on XX/XX/XXXX as well after I talked to XXXX at US Bank. I left one message with an actual person but I have not heard from him and every time I call the branch now I get a message that they can not talk right now with no option to leave a message? Our XX/XX/XXXX check was mailed on XX/XX/XXXX and USBank did not post it to our account until XX/XX/XXXX which is one day after the grace period has ended. I am pretty sure that it does n't take 11 days for first class mail to get anywhere in the US. My husband works for XXXX and I am a XXXX. I tried calling the mortgage manager and the customer service manager at the XXXX phone number. Again I have left messages. No one has returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Report Attached. 

The following fraudulent inquiries are listed below on my Experian credit report. 

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

I have been a victim of identity theft and I became aware of this back in 2009 when my wife passed away. I have been to the police and I have gotten identity theft reports created by the FTC. None of these are signed they are electronically signed. They have been accepted by every entity including federal court and state courts and yet one entity is claiming that I need to get these things manually signed. XXXX, Is the entity claiming I need to get it manually signed yet the law does not state that or want that or require that. I have said they are breaking the law and they refuse to talk to me further because they hang up. They are not obeying the law they are trying to rewrite the laws and only Congress can do that.

I am including a copy of my original report and the one that I had certified and notarized to show what they made me go through and the law does not require that. That wasted time and money because they think they can re write the laws of Congress with their own policies because they want it.
Product: Money transfer, virtual currency, or money service

I tried linking my XXXX account with my pnc account ( which i need to do in order to start investing with XXXX  ) and it said that pnc " made a change '' which i dont know what it means and it didnt give me any information regarding it, this issue needs to be resolved if i am to use pnc services going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2019. I am a victim of identity theft, my identity was stolen years back. I called Equifax to dispute some fraudulent accounts that are on my credit report. There is also some Hard Inquiries that are fraudulent that I wanted to dispute. I was also notified by Equifax a year ago to inform me that my credit file was compromised due to a Breach in their system. When I was finally able to spoke to a representative about my disputes, she fused to verify my information and she would not take my disputes.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : ( 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 
TransUnion, XXXX, and XXXX also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer