23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXXAccount Number XXXXFormer account number XXXXI am filing a complaint against Chase United Mileage Plus credit card. I believe these are the events leading up to my complaint. 
I originally had a credit card that was a 'premier ' credit card that provided me with reward points for signing for the United Explorer card. I terminated this card as I did n't wanted to pay the annual fee ; I converted this initial credit card to XXXX, which is a Chase United Mileage Plus credit card. 
I then reapplied and called Chase in XXXX or XX/XX/XXXX and requested to obtain the 'Mileage Plus ' Explorer Card. The credit card provided XXXX bonus points if I purchased {$2000.00} by XX/XX/XXXX. I complied with this stipulation. 
I spoke with someone named XXXX and XXXX, Chase representatives and I explained to them that I originally had a Mileage Explorer Card and received about XXXX or XXXX United Mileage miles. ( I ca n't recall what I exactly earned. ) I specifically told these representatives that I converted this card to a regular United Mileage card that did n't require a yearly fee. I asked these individuals if I could apply for the new Explorer Card and obtain the XXXX bonus miles. They told me that I could absolutely receive the new bonus miles. I believe that they completed my new application on-line. 
I received approval in the mail for {$9000.00} credit line. I am attaching the papers I received. I did n't check to see if I received the XXXX bonus miles until XXXX XXXXI called on XX/XX/XXXX and spoke with XXXX ' a Chase representative who referred me to a supervisor named XXXX . I explained the situation to her and she stated I would receive a call from an account manager at Chase. I received a call from XXXX who stated that Chase will not give me the XXXX bonus miles since I was not entitled to the bonus miles from the XXXX credit card. I was told that I already received bonus miles from a previous promotion. I explained to XXXX that I spoke with, the aforementioned individuals ( XXXX, XXXX ) and they told me I was eligible for the bonus miles. 
My RequestI want the XXXX bonus miles and for the hassle I would like compensation such as an additional XXXX miles for the hassle of having to write this complaint. 
Sincerely yours, XXXX XXXX
Product: Debt collection

A collection agency is charging me over {$400.00} for a medical bill. The amount is wrong, and the notes according to the person I spoke with said they contacted my insurance company on two occasions to collect their portion of the payment but insurance company did not reply. Im sorry but just because the insurance company did not pay their part does not mean I am responsible for their part.
Product: Checking or savings account

I'm trying to link an account to take my rent payments out of my checking and PNC won't let me link the account.
Product: Checking or savings account

Dear CFPB, I am writing to formally file a complaint regarding the mishandling of my account and inadequate customer service by Marcus Goldman Bank.

My account [ that o I don't have access to the number has been locked, and despite my attempts to resolve the issue, the bank has failed to provide timely assistance. I contacted the bank 's customer service, and while I was told that I would receive a call back to resolve the matter, no such follow-up has been provided. Additionally, the bank claims that they are unable to verify my identity, even though I have submitted all necessary documentation.

Due to this failure in communication and service, my funds have been inaccessible for an extended period of time, which has caused significant inconvenience and financial stress. I believe this constitutes a failure on the part of Marcus Goldman Bank to provide adequate customer support and to fulfill their obligation to assist their customers. 

I request that the CFPB investigate this matter and intervene to ensure that Marcus Goldman Bank resolves the situation promptly, allowing me access to my account and providing proper service in verifying my identity.

Please let me know if you require any additional information to support this complaint. I appreciate your attention to this urgent matter. 

Social number : XXXX Address : XXXX, XXXX XXXX, XXXX, Virginia Phone Number : XXXX E-mail : XXXX Sincerely, XXXX XXXX
Product: Prepaid card

I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. 

With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. 

XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. 

Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it.
Product: Checking or savings account

I opened the key bank checking with {$200.00} welcome promotional bonus after {$500.00} direct deposit.

After opening this account, I

contacted the Keybank to see whether the promotional code has been applied to my account, but it showed no code had been attached. And the CSR helped me to attach the promotional code again. After I met all requirement, I noticed the bonus was not posted. Then I contact Keybank, but they declined this bonus, saying the promotional code was not attached on the first day. But I did input the promotional code when I opened this checking account, and don't know why it was not here at the beginning. I feel it is very wired, and Keybank just play tricks to decline the bonus. Please help me on that.
Product: Consumer Loan

I have an installment loan with Cash Central. It was advertised to be like a payday loan with no credit check. I was in a financial bind and made a horrendous decision taking this loan. I am now in the trap of high interest and long term repayment. I am going to do my best to get this paid off in the next 90 days. 

My complaint is I was assured that as long as I was in good standing on repayment that it would n't be reported to the credit bureaus. Well, it has been. Now it shows as a debt and impacts my DTI due to the high payment. I am sickened by this. 

Do I have any recourse? They have me in a trap with the high payments & interest rate and are now destroying my credit rating all because I bought into their predatory advertising. I am so upset & dismayed with what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case XXXX.
Product: Checking or savings account

Opened my account XX/XX/2025 Transfer of {$4900.00} from XXXX account TO sofi checking Made some purchases and made a couple withdrawals from ATMS ( all of which were within the limits in the agreement ) Made a transaction for emergency veterinary bill of {$570.00} on XX/XX/XXXX Then notified my funds were frozen with no reason given until XX/XX/XXXX they were unfroze Now XX/XX/XXXX I've been notified my account was to be closed due to a violation in the user agreement. I've made three calls all of them can't give any reasons or information on my account but that ALL MY FUNDS WILL NOT BE COMING BACK TO ME. 
That sum of money is part of inheritance settlement from my late aunt and uncle who passed away recently and the incredible urgency of access to those funds can't be stressed enough. My living situation is in direct danger without it as well as XXXX my dogs life if there's no way to pay for procedures. 
I can't say it enough that receiving those funds is a life or death situation a really bad make me or break me problem
Product: Checking or savings account

I tried opening Business Checking account with US Bank on XXXX XX/XX/year>. I already have relationship with them - like XXXX credit card. Despite that they didn't opened my account and gave me a Application number : XXXX Promo code : XXXX and asked me to call Call XXXX Called on this number on XXXX XX/XX/year> at around XXXX pm XXXX. More than XXXX - on hold. tried chatting - no help. 

US Bank simply outsourced all their jobs. In XXXX also hired XXXX workers. Adversely impacting US Citizens like me.

There is no local branch where i can walk-in to get this work done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America still reported account reported opened fraudulent in my name trying too many time Talk and never remover account
Product: Credit card or prepaid card

I applied for a Citibank credit card on few occasions in last 6 months based on the invitation code received from Citibank in mail, during the application process the system keeps on hanging and I get a refusal, I called Citibank helpline and the officer instead of looking into the issue hung up on me and said that never apply for citi card again. My question is why Citibank has to make fake promotions if they do not want to honour it and continue hurting an individual credit
Product: Debt collection

This letter is a formal complaint against ANI International Inc. in regards to excessive and abusive phone calls. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite me telling the representative named XXXX XXXX who claims to be an attorney that this is a private number he insists that he will keep calling me. 

REASONS FOR COMPLAINT : I have never done business with ANI International Inc. 
I never gave out my personal phone number to be contacted by ANI International Inc. 
That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? 


If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 


I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 


I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt XXXX for any debt. Please provide proof from the original creditors that these debt XXXX own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you in advance for your cooperation.
Product: Credit reporting

XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!
Product: Bank account or service

I have an Health Savings Account ( HSA ) at People 's United Bank established when I worked for a previous employer. I have not made deposits or redemptions from this account for over 3years. The balance of the account is less than {$1.00} ( actually {$.00} yes that is correct XXXX CENTS ). I received a notice from People 's that the account was dormant and that they were going to charge an " inactivity fee ''. I called People 's customer service number to close the account and was told I need to do it in person at a People 's Bank branch. I then sent People 's a letter indicating I wanted the account closed and received a reply that a notarized copy was required. I have received today a notice that People 's bank has charged me an " inactivity fee '' and the balance is - {$3.00}. I called People 's again and asked that the account be closed and was told again that I need to visit a bank branch to do so. I do not understand why closing the account either online or verbally is an issue. I refuse to take time away from my life/job/family for less than a DIME. I electronically signed documents for other lenders ( a $ XXXX car loan for example ), never setting foot in the credit union branch - How can closing an account that holds {$.00}!! be so difficult?
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies Equifax and XXXX are violating my consumer rights protected by the FCRA. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The companies are reporting inaccurate information on my credit report to include names and addresses that DONOT belong to me.
Product: Credit card or prepaid card

XXXX XXXX has been calling me every single day around 7 times a day maybe more and it hasnt stopped. I have XXXX issues regards to my XXXX right now that this constant phone calls isnt helpful whatsoever.
Product: Debt collection

I have obtained my credit report and found accounts I never opened, addresses I never resided, and different variations of my name. I also found this account that I believe not to be mine. Acct name : MIDLAND MANAGEMENT CREDIT ( Original Creditor : XXXX XXXX XXXX  and XXXX XXXX  in the amount of {$2000.00}. I also found an account listed on my credit twice. Once with Midland credit management and once with XXXX XXXXXXXX XXXX in the amount of {$870.00}. I am not liable for this debt and I do not have a contract with Midland Credit Management. Also how is the debt listed with XXXX XXXX and Midland. They cant both be requesting payment on the same debt. Police Report and FTC Affidavit are attached with this complaint and disputes sent to all three credit bureaus. Please delete this account from my credit report at once.
Product: Mortgage

I filed a XXXX XXXX bankruptcy in XXXX of 2022. I fell short on some of my mortgage payments and my atty. failed to inform me that it is extremely imperative that i maintain my mortgage payments to avoid foreclosure even though i have some protection from creditors under the bankruptcy. 

Well, i got behind a few payments and unbeknownst to me, the mortgage company had their attorney to start the foreclosure process. I rec 'd a notice informing me that i had to come up with a substantial amount of monies by a certain date and a phone hearing was set up. I fortunately was able to get caught up with my IRS refund check. 

Yet, the mortgage attorney still pursued her court costs, and attorney fees!. I was baffled, here i am struggling to keep my home, i have absolutely no financial resources for anything. I am living paycheck to paycheck, having to pay this trustee almost $ 800 monthly, and yet here i get slammed with almost {$700.00} fees to someone who was hired to pursue taking my home. 

A XXXX  XXXX is NOT in best interest of an individual debtor, it is a money scheming system that totally is for the judges, attorneys, trustees and their XXXX party XXXX. Its shameful, how large corporations can walk away scot free from their debts with a XXXX XXXX and bounce back with a whole new company under a new name like nothing ever happened. 

Individual debtors who can not file XXXX XXXX are at the mercy of these people under a XXXX XXXX. I was told I did not qualify for a XXXX XXXX because of the equity in my home, yet, when i tried to do a home equity loan i was quoted a very low amount of money i could get or denied. this is absolutely ludicrous and the legislators need to restructure XXXX XXXX whereby poor innocent debtors are not maltreated and disgraced by creditors.
Product: Debt collection

I do not or have never had a contract with this company therefore I do not owe them anything!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint and seek assistance in resolving an issue with my recent consumer report. Upon reviewing my report, I discovered a late payment entry which I believe to be inaccurate. As per my understanding, credit reporting agencies are required to maintain accurate reporting standards. 

Specifically, the late payment in question is listed for ( XX/XX/2024 ). I kindly request that you assist in facilitating a thorough investigation into this matter. If, upon investigation, it is found that there is no verifiable evidence supporting the claim of a late payment, I respectfully ask that you ensure my payment history is updated to reflect that it was paid on time and has never been late. 

I appreciate your attention to this matter and look forward to your assistance in resolving this discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX,, XXXX XXXX XXXX  # XXXX