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

I was negative XXXX when I had a positive balance of XXXX so I canceled a charge from amc of XXXX to cover the negative and when it posted I'm still negative XXXX which made me invested in learning how much more money is being stolen from me and the amounts don't add up in the app at all
Product: Credit card

I have applied a couple of times for a credit limit increase to XXXX} at Navy Federal Credit Union and have been denied based on credit score, which per CFPB 12 CFR 1002.2 ( c ), Title 15 U.S.C 1681 and 1691 is discrimination and adverse reactions to grant credit, which has caused extreme hardship for me and my family.
Product: Credit card

I have been using my XXXX XXXX from Synchrony Bank since XX/XX/2023. I earn XXXX Dollars for XXXX purchases that can be applied to my monthly XXXX bills. While Synchrony shows that I have earned these dollars on my statement, when I go to XXXX, there are {$0.00} XXXX dollars available. Both companies blame each other. Synchrony said they completed a form to link accounts, and XXXX says I have to solve this with Synchrony. As a consumer, I am stuck in the middle and being volleyed between both companies ( who are partners -- and the card is issued as the XXXX card! ). I want to see the XXXX dollars that I have earned and be able to apply them to my account. Why does this seem to be so hard? This is how the card is marketed and advertised.
Product: Credit card

On XX/XX/XXXX, I was emailed by American Express notifying me that my American Express platinum card ( ending in XXXX ) was terminated by American Express. No reason for the cancellation of my card was provided. In the cancellation email sent to me on XX/XX/XXXX, American Express notified me that I had 90 days to redeem the XXXX American Express membership rewards points that I had accumulated. That same day, I logged in to my American Express rewards account in order to redeem the points. I was alarmed to see thad I had no option to redeem the points. I then called American Express 2 days later on XX/XX/XXXX at the phone number provided by American Express on the cancellation email to redeem my points. I was falsely told by American Express that I could not redeem the points, not online nor on the phone and that the points were completely gone and I would never get them back. In a subsequent recorded phone call with American Express on XX/XX/XXXX, American Express reversed itself, admitting that I was told incorrect information that prevented me from redeeming the XXXX American Express XXXX now says I could have redeemed the XXXX points during the 90 day window after my closure. They didn't see how this could have been done when no online option to redeem the points was available and that I was told over the phone that I could not redeem those points. I shared with American Express that the email promised me 90 days to redeem the points and that I was not given the option online to redeem the points and that when i called in to redeem the points as I was instructed to do, I was prevented from redeeming the points. American Express declined to reinstate these points, which are valued at over {$10000.00}.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Acct # 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 States a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Credit card

I received an offer for an AE gold card that if I spent {$1000.00} in 90 days I would get an AE gift card for {$250.00}. a few weeks later I received another offer from AE for a green card with the same offer. When I called in to open the account the person saw that I already had a gold card and asked why I wanted another account and I said because you are offering me another {$250.00} and he opened the account. I received the {$250.00} for the gold card but NOT for the green card! They said that I did not have enough points, that is NOT the way the letter offering the promotion or the person taking my application said to me. I spent the money they asked me to spend and now they are not honoring their promotion.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed some things were not correct. I sent a letter to Experian on XX/XX/2023. But it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) In summary, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their consumer file with a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation. This process aims to determine the accuracy of the disputed information and update the current status within 30 days from receiving the consumer 's dispute notification. The agency may also delete the disputed item from the file if necessary.
Product: Credit card

I hope this message finds you well. I am writing to formally lodge a complaint against Discover regarding unauthorized charges on my credit card account and the inadequate response I have received from their customer service team. I didnt hear nothing I went into the XXXX XXXX XXXX XXXXXX/XX/XXXX and got out on XX/XX/XXXX. When I went to the store for XXXX was the last time I used that card of this year when I got out the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time, I was unable to manage my finances or monitor my credit card activity due to my XXXX XXXX. Upon my eventual discharge and return home, I discovered several unknown charges totaling approximately {$1200.00} on my Discover. And I even allowed and ask if they could change my account number cause I felt like someone had it and the changed my account number but didnt fix all the charges. Since identifying these charges, I have made numerous attempts to contact Discover 's customer service team to dispute these charges. I have called them multiple times, often waiting on hold for extended periods, only to feel as though my concerns were brushed aside. Despite providing them with detailed explanations of my situation, the representatives I spoke to did not seem to take my claims seriously and failed to provide a satisfactory resolution. I have clearly communicated my experience, but instead of receiving the assistance I desperately need, I have encountered frustration and indifference. Each time I reach out, I am met with vague responses that do not address my specific queries or concerns about the unknown charges. This has left me feeling ignored and helpless. Given the extraordinary circumstances surrounding my illness and the subsequent issues with Discover, I am reaching out to the CFPB for guidance and assistance. I believe I have valid grounds to dispute these charges based on my XXXX XXXX and the lack of proper support from Discover. 
I kindly ask for your help in addressing this matter. My goal is not only to resolve the issue of these unknown charges but also to ensure that financial institutions like Discover are held accountable for their customer service practices. Thank you for your attention to this urgent matter. 

Ps. I gave them months to respond just like last time and nothing was said.
Product: Checking or savings account

My cryptocurrency brokerage accounts were hacked and my checking account was charged for {$11000.00} on 4 different ACH transactions. The thief stole the crypto out of my brokerages accounts XXXX XXXX XXXX XXXX XXXX  and into his own wallet. My bank refused to refund me ( chase bank ) also XXXXXXXX refused to refund me. I provided screenshots of the IP address and device of the thief that stole my money and everyone is still saying it was me that authorized the charges. I do not know what to do that was my life savings, I gave everyone perfect proof.
Product: Debt collection

This account was opened fraudulently and I have reached out to the company this is actually my second dispute of this item as the information that was provided addressed me by my name, but the account was noted as belonging to XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. I have supplied this information to the company. I have also asked for certification that they can collect debts in Texas as they are a company based in South Carolina. Paper work needs to be signed so I have asked for the wet signature that was used to open this account and a complete record of charges and payment information showing which accounts paid for these charges because I have had the same bank for XXXX years being XXXX XXXX XXXX XXXX XXXX I do not bank with any other institution and do not feel I should have to work this hard to clear my name XXXX have been a detriment to me and I do not appreciate being dragged through the mud for simply trying to clear my name and my credit from fraudulent account. I have only had XXXX credit cards in my name belonging to capital XXXX. XXXX are not in compliance with the fair credit reporting act because if you simply dig a small amount of research you would see thats not even my name to begin with I have my birth certificate, my government issued driver license and yall still are presenting fraudulent information. As you can see there is a signature on my id that is my signature and any account I have ever opened has asked me sign my name so I would like to be provided with all information related to this account not just the information you think is relevant as your company never even allowed me the original dispute time to reach out to yall I didnt know this account existed until it appeared on my credit report as a charge off with your company I was able to remove it when it was with credit XXXX bank because even they knew they didnt have an account with my when I provided my info. The info you provided also lists a different address that does not and has not belonged to me XXXX is not my address so again I ask you to remove this fraudulent account please
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX - Account XXXX XXXX Creditor : DEPT OF EDUCATION/XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have XXXX disputed charges on my Chase Sapphire Reserve card : Unauthorized charges : 1. XXXX {$690.00} 2. XXXX {$690.00} 3. XXXX {$690.00} TOTAL : {$2000.00} Authorized charge : 1. XXXX XXXX {$690.00} ( I have already paid this charge ) Complaint : 1. I have disputed three times. 
2. The merchant has acknowledged that they mistakenly charged my chard four times for the same purchase. 
3. I have submitted documentation to Chase which includes an email from the merchant acknowledging that three of the four charges are mistakes. 
4. Chase has found the charges valid, even with explicit documentation from the merchant which says three of the charges are mistakes. 
5. In Chase 's resolution letters, no explanation is given as to why the charges were found to be valid. 
6. I am currently being charged interest on these unauthorized charges. 

Summary : I stayed at a hotel in XXXX called XXXX XXXX. When I checked out of the hotel, the employee used an app-based method to charge my Chase credit card. At first, it appeared the charge did not go through, he tried a total of three times. These charges appear as XXXX. 

When it appeared that all three attempts were unsuccessful, he switched methods and charged the card through a separate website -- this charge went through. This charge appears as XXXX XXXX. 

After looking at my transactions history in my Chase account, it showed that the three XXXX  charges did in fact go through. I was charged four times for the same hotel stay. The three XXXX  charges are mistaken charges, the XXXX XXXX is the correct charge and was already payed.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still listed under my personal information.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report recently I discovered fraudulent accounts I did not own, preventing me from obtaining credit. Please remove accounts from my file.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate infromaton for the account listed DEPTEDXXXX  Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2024 Caine & Weiner Company XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Dispute of Debt and Request for Validation Dear Caine & Weiner XXXX This letter serves to formally dispute any and all debts I am alleged to owe to Caine & Weiner Company XXXX I am writing in accordance with the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors provide written validation of debts within five days of your request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires debt collectors to provide you with the name and address of the original creditor upon request.

12 CFR 1006.34 ( d ) : This regulation prohibits debt collectors from communicating with you in any way except to validate the debt, confirm that the debt is not being disputed, or pursue court action.

15 USC 1681-S 2 ( 7 ) ( a ) : This section of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to revoke my consent to be contacted by a debt collector through phone calls, text messages, or emails.

Therefore, I am requesting the following : Validation of the Debt : Please provide a written validation of the alleged debt, including the original creditor 's name, account number, balance, and a breakdown of any charges or fees. 

Purchase Agreement : If you are not the original creditor, please furnish me with a copy of the purchase agreement between Caine & Weiner and the original creditor.

Proof of Licensing and Bonding : Please provide documentation proving your license and bond status to collect debts in the State of XXXX.

Furthermore, I am exercising my right under the FDCPA to revoke all consent to be contacted by Caine & Weiner through phone calls, text messages, and emails. All future communication regarding this matter must be done through written correspondence sent to the address listed above. 

Please note that I will take any necessary legal action to protect my rights under the Fair Debt Collection Practices Act if these requests are not fulfilled within 30 days of the receipt of this letter. 

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

Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX  to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.