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

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I was XXXX  I assumed my cashapp card was with me. Well I served my punishment and was released on XX/XX/XXXX. I could not find my cashapp card so I got ahold of my user name and password. Logged in and found out I was XXXX. And my account was closed. I. Immediately called cash app and they sent me a list of fraudulent charges and fraudulent deposits. Including one particular cash out for {$9900.00} on XX/XX/XXXX. With the last fraud charge happening on XX/XX/XXXX. I got released XX/XX/XXXX that means I contacted cash app within two days of the last fraud transaction ( People also ask What is the regulation for debit card fraud? 
If you report debit card fraud after two business days, but less than 60 calendar days after receiving your account statement, you could be liable for up to {$500.00}. If you don't report the fraud within 60 calendar days of receiving your statement, you could be liable for any amount stolen from your account. ) that is from your site. I filed.a police report and FTC identity theft report. And cash app denied my claim and stuck me with a total of close to {$22000.00}. In fraud charges where by Federeal law I should only be liable for {$50.00}. I asked them to provide proof of why claim was denied and they nearly sent me a one liner saying that I cashed out {$9900.00} on XX/XX/XXXX but that was fraudulent to some fraud account???!!!! What do I do I tried to be honest about my jail event and now I think they are taking advantage of me.. I have included the XXXX  sheet they took until XX/XX/XXXX to get to me for my claim
Product: Credit reporting or other personal consumer reports

I was absolutely shocked when I discovered inaccurate accounts on my credit report this morning. I have no idea how this could have happened. I've always been diligent in checking my credit report, but today I found discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but nothing changed. I'm really upset by this, and I'm requesting a thorough review of the documents I've sent to ensure this never happens again.
Product: Credit card or prepaid card

In XXXX of XXXX I received a new credit card in the mail from JCPenney where I have had a credit card account since XXXX. I DID NOT REQUEST THE NEW CARD. Periodically through the years, they have sent me a new card with new rewards etc. and told me to activate it to replace my old card. So that 's what I thought this was. 

I do n't remember if the letter about the new card came separately or with the new card because I saved them together. The top of the letter had these large print words, " CONGRATULATIONS! You are being upgraded to a new JCPenney XXXX. '' It said no action was needed on my part and the new card " replaces your JCPenney Credit Card. '' So I assumed this was just a new card for my same account. I had no balance on my account and had not used the card in several months so I just stuck it in my wallet, figuring I would activate it from my cell phone the next time I decided to use it. 

On XXXX XXXX, XXXX, I shopped at a local JCPenney 's and while I was at the register, I remembered I needed to activate my card. The cashier let me call to activate it so I could finish checking out. In the process, they asked for my annual income to increase my credit limit but I told them I was in line at the store and did not want to give that information and also that I did not need to increase my credit limit because I hardly ever use the card. They said I could just keep the same credit limit. I said that is fine with me and assumed that meant they were not doing any kind of credit check. I then completed my purchase with the new card. 

Then, on XXXX XXXX, XXXX, I was notified by email that a credit alert had hit my credit report because I opened a new credit card account. I was completely shocked because I had no idea that is what I was doing when I called to activate my JCPenney card. So I dug out the letter that came with the card and that 's when I saw the fine print on the back FAQ section that stated if I accepted the upgrade, my old credit card would be closed and transferred to this new account, which would be added to my credit report. 

I guess it 's my fault for not noticing that statement which was in much smaller print on the back of the letter. But I believe this was a very deceptive and misleading marketing practice. All of a sudden, after 16 years of getting upgraded cards which never required any kind of credit check for me to activate, JCPenney sends me a new card that was COMPLETELY UNSOLICITED! In the fine print it said, if you want to keep your current JCPenney credit card, then call this number ... 

This is completely backwards! If they want to advertise new cards and accounts it should require action on the consumer 's part, not " NO ACTION ''! 

It 's too late now because the account is already open. I just want this to be addressed so it does n't happen to somebody else! It 's not good for your credit report to keep opening accounts and this was so unnecessary and unwanted!!! 

SHAME ON YOU JCPENNEY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have called them spoken to them even tried to settle up to see what I could do to clear up this matter. Its on my credit report. I have filed several disputes and nothing has happened. I need this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally reporting a collection account that does not belong to me. Original creditor : XXXX XXXX XXXX XXXX The account ( s ) in my name were created via identity theft. I've filed a police report and FTC affidavit to help resolve this issue. You need to stop reporting this account to my credit report and notify them to delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed as soon as possible.
Product: Credit card or prepaid card

One of my credit card rewards is an annual {$100.00} travel credit for qualifying travel charges on the credit card. On XX/XX/20, I charged two travel expenses to my credit card for a total amount of {$60.00} and I properly received a {$60.00} travel credit on my next billing cycle. On XX/XX/20, I charged {$170.00} to my credit card for an XXXX car rental. Because I had already used {$60.00} of the {$100.00} travel credit, I should have been credited {$40.00} on my next billing cycle for the car rental charge. When the credit didn't appear on my credit card, I contacted PenFed Credit Union regarding the credit in late XXXX. I received an email from XXXX XXXX on XX/XX/20 confirming that I would be credited {$40.00} and I would need to wait one billing cycle to see the {$40.00}. ( I have the email for proof. ) I waited one billing cycle XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union again and was verbally told that the credit was processed and to wait one billing cycle. I waited one billing cycle again XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union for a third time on XX/XX/20 and vented my frustration with obtaining my credit. The representative assured me that my credit was coming and that it would be processed within 24-48 hours. When no credit appeared after 144 hours ( 6 days ), I called PenFed Credit Union a fourth time. This time the representative said that my XXXX car rental was not a " qualifying purchase '' and I was technically not due a credit. However, the representative indicated that the notes on the account show a promise to issue the credit and, thus, they would still credit my account the {$40.00}. However, I needed to wait a few more days to see the credit. At this point, I'm tired of dealing with their excuses and their lack of follow up. My issue was raised in XXXX and it's still not resolved after multiple unfilled promises by PenFed Credit Union and multiple follow up attempts on my part.
Product: Debt collection

Are you kidding me? Not one report, but three reports on my XXXX credit history for {$3.00}? This company is going to ruin my credit over only {$3.00}? Who is it? What is it for? Why did I not receive a bill? How and where can I get this {$3.00} paid and off my record? This is just ridiculous and crazy XXXX. OMG the gall of some people or companies. I just can not believe this. Why didn't someone let me know I owed {$3.00} so I could pay it and avoid this? Why and who would report this over XXXX XXXX dollars?
Product: Credit reporting or other personal consumer reports

This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from XXXX and Equifax but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PLACED A SECURITY FREEZE ON XX/XX/2015 AND REFUSE TO LIFT IT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, Experian and XXXX credit bureaus were contacted via mail informing the companies of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : I sent completed and returned the requested form to XXXX about my auto loan not reporting on any of my credit reports. I also sent notifications to XXXX, TransUnion and XXXX showing that there is an error in reporting on my credit report and provided them with proof from XXXX that I had an auto loan through XXXX and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX credit bureaus and XXXX who claims that it is the responsibility of the credit bureaus to report correct information. XXXX provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my XXXX XXXX and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXX XXXX requirement with an answer or solution to my problem, and XXXX claims it is out of their hands.
Product: Checking or savings account

I have been a customer with Bank of America for about a year now with my checking and savings account with them. My checking account is a business account. Towards the end of XXXX beginning of XXXX My card declined and kept declining. When I finally checked the account I noticed transactions that were not authorized by me and being that this is a account that is not my primary business checking account I decided that I should come through all the transactions from this account because the transactions that I had seen were often in frequent and there were multiple. As I looked through my transaction list there were Dozens of transactions made by a XXXX on XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I filed a police report because it was apparent that I was a victim of fraud and identity theft. I also filed a complaint with identity theft.com and Bank of America to dispute the transactions. All of the transactions dated all the way back to XXXX of this year. after 60 days, Bank of America denied my claim because they said that I was making these transactions myself and I had benefited from the merchant. I asked them to re-open the case because that was not at all true and explain to them that someone has stolen my identity and fraudulently been in and out of my account making transactions. I have even advised that the login information that was being used between XXXX and no was not the same login I use so this had to of been someone else. In XXXX I spoke with XXXX a supervisor at Bank of America who advised me that my re-opened dispute case would be resolved on XX/XX/2022 as long as the merchant hadnt sent in anything proving that I was benefiting from these transactions. Today XX/XX/2022 I called Bank of America and they advised me That once again my claim has been denied. Although I sent in everything that they asked me to. the funds that were taken out of my account by who ever this person is on XXXX XXXX were taking fraudulently and I feel as if Bank of America has not held their end of investigating the issue properly and doing right by me their customer in this situation Ive been waiting for 100 or so days just for them to deny me again when Ive done everything that they have asked me to. Then when I ask them to close my account because I no longer want to be a customer of a bank thats not going to protect me they declined because my account is in the negative due to their taking money out of my account from my dispute. So now I am unsure of what to do because this is my business account and the funds that were stolen were for my business and I feel very violated and unprotected Bank of America did not do what they said they would do and notify me every time something was looked suspicious. They allowed this merchant to take close to {$16000.00} out of my account and wont show proof of it anything the merchant has sent them to justify them taking this money. I feel robbed and violated. I do not recommend Bank of America at all for your business accounts they are sloppy and they dont handle customer claims well at all.
Product: Credit card or prepaid card

American Express opened an account under my name without my permission in XXXX and I didn't notice nor report it until XX/XX/XXXX after checking my credit score. It is still listed as a closed account but it is identity theft and should not be under my name in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I thought I was upgrading my gold AMEX credit card to the XXXX XXXX XXXX XXXX Credit Card. I am the cardholder owner, I agreed to the terms and conditions. When I received the card, the sky mileage number was not assigned to me but, to another person in my household. This limited my access to the mileage account. I have called and XXXX times to get this resolved. AMEX and XXXX put the customer in the middle, not owning the customer experience. I paid {$720.00} to have a card and XXXX for my husband. As a benefit I am rewarded with access to the XXXX XXXX XXXX. On XX/XX/23, we went into the sky lounge, I was allowed access, my husband was not even though, he has the credit card and we should have had the guest passes - these are awarded but, were not in my wallet due to the fact AMEX put the wrong sky mile number on my credit card. Long story short, not only did I pay the {$720.00} annual fee my benefits were denied. I had to pay {$78.00} at the sky lounge for access. I was told by AMEX it would be refunded, XXXX hours later after a number of calls, frustration etc. I had to file a dispute. I have been put in the middle of both XXXX and AMEX pointing fingers at each other. XXXX the offer was deceptive and unclear. I ended up with XXXX credit cards- essentially I paid a {$95.00} annual fee on my gold credit card and then {$720.00} on the upgraded credit card, they would not close the old card and refund me the {$95.00}, so I had to switch to the blue card, then close it with a prorated refund. XXXX denied benefits and access to the delta lounge and today, it is not resolved. What is owed? 
XXXX. {$78.00} for the sky lounge XXXX. It was not clear that I would not receive companion fare for the first year ( deceptive marketing practices ) 3.Promises for upgrades etc. I believe this never happens XXXXNO one at AMEX is empowered to refund a customer, they quote policy and procedure XXXX. Complaints are only taken in writing via letter - XXXX XXXX does not allow for a private complaint only public- this creates trolls who try to call and represent AMEX only to deceive. AMEX does not make its practice to protect their customers I have spent more than a day getting my sky mileage numbers situated, and requesting the {$78.00} which was charged refunded. I am disheartened at how hard I have had to work to be a customer of AMEX. Please help me, but help everyone else as well. This is unfortunate.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I deposited a cheque to my checking account. Then once money was dropped into the account, I started sending the money back to sending party via wire transfer. Later after couple of days, my account was overdrawn. The bank was saying it was a forgery check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX I call Helvey and Associates for my XXXX XXXX  account that I paid in full. I was told that it would be deleted and its still on my report even though it says that it's closed that was not what I were expecting I want them to do what I was promise I never receive my deletion letter as well, please make them keep their word I was also told by the lady can not remember her name that some kind of law pass like 2 or 3yrs ago that any bill that is paid in full will automatically be deleted because of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing in response to my previous complaint regarding the need to remove me as an authorized user from Capital One Bank Card account ending in XXXX. My recent complaint was filed on XX/XX/year> through the CFPB and still no response has been made by Capital One Bank. I was incorrectly assigned to the Capital One Bank Card ending in XXXX. 

This ordeal has caused hardship for me moving forward. I have disputed this issue several times with the credit bureaus and nothing has been done. This is fraudulent and I want it addressed asap. I can no longer give Capital One Bank a longer time to clear this matter up ; I need the CFPB to push this process forward since my rights have been violated. 

Please confirm once this has been completed and advise if any further action is needed on my part. 

Attached is my last dispute I submitted through the CFPB.
Product: Bank account or service

The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ).