23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : XXXX XXXX American Express for Misleading Advertisement and Unfulfilled Promotion Date : XX/XX/year> To Whom It May Concern, I am writing to file a formal complaint against American Express ( AMEX ) concerning a misleading advertisement and subsequent issues with the fulfillment of a promotional offer. The details of my complaint are as follows : 1. Advertisement Details : On XX/XX/year>, while browsing on my XXXX, I came across an advertisement from American Express promoting XXXX Membership Rewards points for new sign-ups of the American Express Platinum Card . I have attached a document labeled 'Misleading Advertisement ' which includes a screenshot of the promotional offer as seen on my XXXX. 

2. Application Process : Attempting to sign up through my XXXX, I encountered a technical error. Consequently, I proceeded to complete the application on the American Express website using my desktop computer. Despite successfully completing the application, I was only awarded XXXX Membership Rewards points instead of the advertised XXXX points. 

3. Communication with American Express : On XX/XX/year>, I contacted American Express customer service by phone to address the discrepancy. I informed them that I did not receive the promised XXXX points and requested to withdraw my application and reapply. However, I was advised against withdrawing my application. Instead, I was instructed to submit proof of the advertisement to American Express, with the assurance that the points would be adjusted accordingly at a later date. 

I promptly submitted the proof of the advertisement on XX/XX/year>, as directed by American Express. Based on the advice given, I did not withdraw my application. 

4. Resolution Attempts : On XX/XX/year>, I inquired about the status of my points adjustment. I was informed that American Express had rejected my request to adjust the points to the advertised XXXX. Additionally, I was told that I was now beyond the timeframe to withdraw my application, leaving me with a card that only provides XXXX points. 

5. Complaint Summary : The misleading advertisement by American Express and their subsequent handling of my request have caused significant inconvenience and disappointment. Despite following their instructions and providing proof of the advertised offer, I am now stuck with fewer points than originally promised and unable to withdraw my application. 

This situation reflects a predatory and misleading marketing practice that has unfairly affected me as a consumer. I request that the CFPB investigate this matter and take appropriate action to address the deceptive practices and lack of fulfillment by American Express. 

Thank you for your attention to this matter. I am hopeful that the CFPB can assist in resolving this issue and preventing similar occurrences in the future. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

Over the past year, I have maintained an account with this company, which facilitates both business transactions and cryptocurrency transactions. Today, while attempting to initiate a cryptocurrency payment, I was abruptly and without explanation permanently blocked from accessing my account. Subsequently, they have prevented me from accessing my cryptocurrency in the account and are now preventing me from transferring it out.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report and I also included my Identity Theft Affidavit, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX OYZL**** Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX WYEC**** Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX CARD XXXX Balance : {$3100.00} XXXX  XXXX XXXX XXXX Balance : {$12000.00} XXXX CARD XXXX Balance : {$2900.00}
Product: Checking or savings account

Wells Fargo sent me a letter in XXXX saying that they did periodic reviews of customers and they decided my accounts needed to be closed. The only answers I got from Wells Fargo was that decision was final. I had almost XXXX XXXX XXXX  in my savings account averaged around a XXXX XXXX  in my checking account. I also had XXXX credit cards from Wells Fargo with a total of almost XXXX XXXX XXXX  and I also had a small loan. I never missed a payment or was late with a payment. They closed all of these accounts except the small loan which I promptly paid off early. This cost me XXXX points on my credit report because they closed the crredit cards as well as the checking and savings account. I was under the impression there had to be late payments or fraud in order for them to take this type of action. I did nothing wrong I was a good customer. Never late never over drafted any of my accounts and always paid on time and this is the result??
Product: Checking or savings account

Citibank is charging me a {$25.00} per month service fee. I should not be charged this fee based upon my combined balances. I have already called Citibank about this fee. They have admitted it is a mistake in their systems ( my accounts were not " linked '' ... even though they are linked ). They seem to be able to correct their system error and I have to call customer service every month to get the fee taken off. No one seems to be able to fix the underlying system issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The lists of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 ( a ) ( 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these incidents.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase two round-trip tickets to XXXX, XXXX from XXXX, WA. I made the purchase using my Chase credit card. The flight was on XXXX XXXX. The intended departure/return dates were XX/XX/XXXX - XX/XX/XXXX. Due to the XXXX pandemic, the Spanish government restricted all non-essential travel from US citizens in the XXXX. I called Chase customer service, and they ensured me that I could safely cancel our flight in exchange for a future flight credit. Our flight was cancelled on XX/XX/XXXX and Chase promptly sent an email confirmation stating that I had been issued an airline credit. Chase issued us a flight credit for a total of {$1700.00} USD for future use ( two {$880.00} tickets ) as long as the credit was used by XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to use the credit to purchase new tickets to XXXX. I called Chase for assistance in applying the funds to my new trip, and several agents told me that my flight credit had gone missing, without explanation. I was previously able to periodically check in and verify the existence and validity of the flight credit through my Chase web account ( " My Trips '' ) and checked most recently in XXXX, XXXX. I logged in on XX/XX/XXXX and the flight credit has inexplicably disappeared from my account. The Chase travel agents have insisted the voucher " doesn't exist '' despite Chase email evidence to the contrary ( attached ). 

Chase travel agents asked me to call XXXX XXXX and XXXX ( a travel partner ) to attempt to retrieve the voucher through them. After several hours on the phone with both organizations, both XXXX XXXX and XXXX have strongly insisted that Chase is responsible for the flight credit since the funds were held in my credit card account. Chase has failed to acknowledge the existence of the flight credit and have failed to offer adequate resolution to this issue. 

I have attached several emails including : - The original flight confirmation, itinerary, and flight numbers- The original cancellation email - The original emails from Chase and XXXX XXXX notifying me of my travel credit to the amount of {$1700.00} USD and verification of the XX/XX/XXXX expiration date I am seeking a full refund for my cancelled tickets to the amount of {$1700.00} and an explanation from Chase as to how my flight credit was mismanaged and " lost. '' I have also attached a copy of the compliant I have filed through Chase 's third-party claims service eClaimsline.com, as well as a complaint I have filed with the XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, GoProgram.com, nor on the number we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.
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. 
XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXXXXXX : Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, DEPTEDXXXXXXXX  Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX  : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct # 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 : 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: Prepaid card

During the pandemic someone used my Bank of America card for XXXX separate transactions of {$100.00} each. Instead of correcting the problem they froze my account and XXXX benefits. My XXXX account was frozen from XXXX of XXXX through XXXX of XXXX. The {$900.00} was the rest of my rent money, and since my benefits were on hold I was unable to pay rent for the next 12 months when my landlord evicted me. Since the eviction is now on my credit my family and I are still homeless. Yes, Bank of America has since paid me the {$900.00} back and sent me a check for {$340.00} to cover the financial harm they have caused. As I am sure you are they also sent me the necessary paperwork and instructions to file a claim for additional compensation. Well I did what they asked, I uploaded the necessary documents and completed my claim on XX/XX/XXXX. I didn't hear from them until XX/XX/XXXX ( exactly 60 days later ) when they requested more proof with a deadline of XX/XX/XXXX. I uploaded more proof on XX/XX/XXXX but instead of saying submitted the claim was stuck on " resubmitting entity '' with a clock, so I was forced to call the XXXX for assistance. After confirming they received the documents I asked if would be another 60 days before I heard from them again and she said, " since Bank of America and the XXXX was not given a deadline to make their decision she wasn't sure when I would hear back from them, but if they needed anything else they would let me know the same way they did the last time. '' First, they don't let you know ; you have to go into the portal and check the status. And XXXX, she really said, " since they weren't given a deadline. '' I don't understand why they don't take responsibility for their actions and make it right without causing us even more grief.
Product: Credit reporting

Someone in XXXX Arizona is using my name and she is spelling it wrong and using my social security number! She is spelling my name XXXX! I spell it XXXX! The credit bureau is spelling my name like that now! This other person has XXXX bills on my credit report! I need to have those bills on my credit report taken off and the credit bureau needs to get my name spelled right!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

This is my 4th complaint regarding my request to begin payments on my SAVE plan. My 3rd complaint has still not been addressed or resolved. 

My payment start date was moved back AGAIN from XX/XX/XXXX to XX/XX/XXXX. Which means I have been under the SAVE plan for almost 4 months now without a single payment being processed under the plan. Despite me requesting to opt out of deferments, they continued and I was told my interest, which I shouldn't have been accruing, would capitalize in XXXX. 

I continue to accrue interest on my loan since NELNET continues to move back my payment date. I continue to make manual payments so I don't get behind on my PSLF qualifying payments, but this means I am paying interest that is supposed to be wiped ever month under SAVE since they refuse to process a SAVE plan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX, Equifax, and XXXX  on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously ( XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX. ''
Product: Credit card or prepaid card

According to the CRA 's I have been told that I a CONSUMER owes on a debt with CAPITAL ONE Credit Card. I have never been given a copy of the agreement that would verify I have been made aware that I owe. Who is the Original Credit and is there some type paper work that I have signed documentation that validates such debt. Cease and desist till there is some type of XXXX XXXX that will help me go after the real guilty party in this matter. Please do Not send me a Statement it is an can not be proof that I have done business with CAPITAL ONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 
15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor 01 XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXXXXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX  {$240.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No