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

On XXXX XXXX, I was persuaded to open a new XXXX XXXX credit card account with American Express with a welcome bonus offer. The bonus offered XXXX XXXX XXXX XXXX in exchange for opening this account and meeting an initial spend of {$1000.00} in 3 months of account opening. 


XXXX XXXX points are worth approximately {$400.00} when valued at half a cent each. 


I met this spending requirement on XXXX XX/XX/XXXX. I confirmed this with American Express customer service via their chat function on their website in XXXX. I was told the bonus could take up to 90 days from the statement close to post. 


The statement where I met the welcome bonus closed on XX/XX/XXXX. 


On XX/XX/XXXX I did not receive my XXXX XXXX points as promised. 


On or around XX/XX/XXXX, I contacted American Express customer service via their chat function. They informed me that there was a technical glitch and that an internal inquiry would be created to investigate the issue. I was told such inquires can take up to 30 days to resolve. 


On XX/XX/XXXX, I called American Express customer service on the phone to check on the inquiry. I was told the inquiry was still open and to check back after the 30 days had elapsed. They also informed me that I would be receiving an explanation in the mail and I may need to wait 4-6 weeks from the inquiry opening. 


On XXXX XXXX, XXXX, I did not receive my points. 

On XXXX XXXX, XXXX, I had still not received my points. I contacted American Express customer service via their chat function. They informed me that I would need to wait 4-6 weeks from the inquiry for the issue to be resolved. 


I have heard that I am not the only customer experiencing these issues with American Express following through on their promotions in a timely manner. Even though I have been assured by American Express that I met all requirements to receive my bonus, the bank appears unwilling to honor their obligation to me in the time frame promised. 


I am extraordinarily unhappy and suspect that American Express is attempting to defraud some of its customers by not following through on their obligations and hiding behind the excuse of a glitch. I wonder if an inquiry to make me whole ever would have been created had I not contacted American Express regarding this issue. Perhaps they would have simply kept both the profits from me and their welcome bonus. 


American Express must credit my account immediately or additional steps will be taken to collect my promised bonus. 


THE COLORADO CONSUMER PROTECTION ACT : ( 2 ) any person who, in a private civil action, is found to have engaged in or caused another to engage in any deceptive trade practice listed in this article shall be liable in an amount equal to the sum of : ( a ) The greater of : ( I ) The amount of actual damages sustained ; or ( II ) Five hundred dollars ; or ( III ) Three times the amount of actual damages sustained, if it is established by clear and convincing evidence that such person engaged in bad faith conduct ( C.O.S. 6-1-113 )
Product: Consumer Loan

My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. 
My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( 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 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 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 XXXXXXXX I XXXX that you correct this information promptly, as these errors XXXX harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter initiating " collection action '' for a purportedly unpaid utility bill. The mailing address was correct, and I have an account with the utility company, but the addressee was " XXXX '' ( I have a residential address ), and the account number given was not mine. I have never received a bill from the utility company with that addressee name.
Product: Money transfer, virtual currency, or money service

I have approximately {$10000.00} worth of investments in Robinhood. Robinhood will not allow me to buy, sell, cash out or move any of my investments due to an " account restriction '' which has me locked out of any activity. I have provided all of the documents they are requesting in order to resolve this restriction, however, Robinhood states the restriction can not be resolved without providing my bank statements that include my bank account number. I have previously provided them with bank statements that contain the last 4 digits of my bank account number and my account info on their website shows my bank accounts are " verified ''. I am not comfortable providing my entire bank account number to Robinhood.

I was able to chat with one representative through support chat and was told everything would need to be resolved by sending a request for a call back from their telephone support line. Their website has me locked out of the ability to request information through support chat and just keeps saying I'm in line for a phone call for the last 3 days.

Robinhood 's website has no contact phone number provided for them and they only allow you to request a call from them. Their website states they will call you within 30mins of requesting a call, but I have been waiting for 3 days now! I can not access MY own money. It appears my money is being held hostage until they allow me to provide them with my bank account numbers... which I can not even do until they call me. There is no other avenue for me to submit these documents until Robinhood support calls me and opens up a place on their website for me to submit what they are asking for. 

This should be criminal and needs to be investigated. There should at least be a way for me to get my money out of their hands. This situation feels fraudulent and scammy!
Product: Debt collection

On XX/XX/year> I received a letter from Quest Legal Group concerning an alleged debt to XXXX. They said they were reviewing the account for immediate legal action. They said they would get a legal judgment which could result in wage garnishment and/or a lien against my bank account. They accused me of fraudulent activity and malicious intent to commit wire fraud. They threatened to subpoena my parents, whom are both deceased, as witnesses to testify against me. They threatened to have me served with a court summons by the County Sheriff 's Office. They also threatened to do a hard pull on my credit report and damage my credit score. I don't know anything about this debt. It is my assessment that they have violated the Fair Debt Collection Practices Act and engaged in fraud themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was advised that I can reach out to you regarding some things on my credit that are not mine. I went to apply fore. home loan and was told that I was not able to get in the program because of my credit. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. I want those accounts removed from my credit so I can move forward with my life Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX end XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, TransUnion or XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, TransUnion and XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

In XXXX I disputed validity of a USAA Savings Bank account reporting a past due balance of {$4700.00} on my XXXX credit report as well as another USAA account reporting on my XXXX that I have an account open balance of {$830.00} on, when I have XXXX open accounts in reality with USAA. Previously the second USAA account as well was removed from my credit report after the credit bureaus received my written disputes in XXXX and could not validate the debt with USAA. USAA Savings Bank previously removed these accounts from my credit report. They were asked to provide proof of the original contract and for credit bureaus to validate, which they could not do. USAA closed and charged off the account as was noted in their remarks on my credit report for the first account, and it was no longer reporting to my credit reports anymore for the last several years. However, I just noticed that recently they are reporting that the account is open which it was previously closed and charged off, and they should no longer be appearing on my account. They have reported to my credit a new {$4700.00} balance on an open credit line with them of {$5000.00}, which there is no open credit line with them at all in my name. I have called them and they do not have any open accounts for me, so there's no reason for this to be reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Comenity Bank due to inaccurate reporting on an open account. The late payment history being reported does not make chronological or mathematical sense, as the dates and amounts do not align with the accounts payment history. This incorrect reporting is affecting my credit profile and causing significant harm to my financial opportunities. I request that this matter be investigated and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXXXXXX XXXX  Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Product: Credit reporting or other personal consumer reports

These companies are selling my personal information to other companies without my consent and placing numerouscredit inquires which are ruining my credit score. I have not put in applications with these companies for credit. They are going in my credit report in attempt to solicit me for business.
Product: Debt collection

CFPB Complaint Against Ability Recovery Services XXXX XXXX XXXX Name of Company : Ability Recovery Services Laws Violated : 12 CFR 1006.34 ( b ) ( 5 ) : Overshadowing of validation rights 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to cease collection efforts upon request for original creditor information 12 CFR 1006.34 ( d ) : Improper validation notice 15 USC 1681-S2 ( 7 ) ( A ) : Violation of the FDCPA Complaint Details : How did Ability Recovery Services overshadow your right to dispute the debt or request the original creditor 's information in their communication ( 12 CFR 1006.34 ( b ) ( 5 ) )? They have not given me any proof of any contract that i supposed to had signed for a debt.I do not know how they have gotten my information. Once i asked for explanation or proof the representative get angry and will simply hang up. They have harrasing phone call daily and some times call from different numbers after i have told them to stop harassing me. For instance, did they use confusing language or make threats that downplayed your validation rights? The representative called me about a debt i did not have any knowledge about. I had never heard of the company and then the representative cursed me out and hung up on me. They told me that i had to pay this or they will take legal actions and sue me. They did not even have all of my correct information so they must be using public information about me. They are not required to have a license so they just add charges to peoples accounts.

Did Ability Recovery Services continue contacting you to collect the debt after you sent a written request within the validation period asking for the name and address of the original creditor ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) )? Yes, they have been calling daily since i sent my seize and assist letter. I also advised that they send me a contract of the debt i allegedy own because the original creditor said my account was paid in full.

Were there any missing mandatory details or misleading statements in the validation notice you received from Ability Recovery Services ( 12 CFR 1006.34 ( d ) )? I have not recieved any validation letters from the company. The company has some very rude people and no one is on the same page. The representative goes from I owe one charge to now i do not actually owe that amount. I can pay a third but how am i owing a debt to an account never serviced me. I asked to speak to a supervisor in the company the representive cursed me out and told me they will just sue me.

How did Ability Recovery Services ' actions violate your rights under the FDCPA ( 15 USC 1681-S2 ( 7 ) ( A ) )? Provide specific examples of harassing, deceptive, or unfair practices. This could include unreasonable communication frequency, using profane or threatening language, or falsely claiming you will be arrested if you don't pay. 


I would like to request that the CFPB investigate this matter. 

Thank you for your time and attention to this matter. 

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

Got a notification that I was late on this account XXXX XXXX XXXX . I have never paid this account or open this account. This is fraud. I immediately report identity theft
Product: Credit card or prepaid card

I had a financial hardship that began in 2018. I fell behind on payments. The creditor, American Express, offered a repayment plan to me. I accepted their offer. 

The agreed payment plan requires me to make monthly payments in the amount of {$64.00}. American Express drafts my checking account electronically on the XXXX day of each month. We've been under this payment plan for a long time, and I've never failed to have sufficient funds in my checking account when American Express drafted my account for the {$64.00} monthly payments. In other words, I've never failed to pay the {$64.00} monthly payments when due and never have breached my payment plan with American Express. 

American Express recently reported to the credit bureaus that its has charged off my account after I've been performing as agreed and without any breach or default of any kind under the agreed payment plan. 

This charge-off has caused my credit scores to decline. Why has American Express charged off my account now when I have not breached or defaulted on the agreed payment plan and have months and months of perfect payment history under the plan? 

This strongly appears to me to be abusive and detrimental to me.
Product: Prepaid card

Within a 30 day period first I got a netspend card just for my taxes. I had netspend for a long time. Got another card just for taxes only. They asked me a security question. Next two weeks Netspend sent someone a card with my name they changed my address and phone number with no security question. They were allowed to steal my income taxes. When I asked the CEO erased me from all database. I can no longer get activate or register a netspend card or any under that umbrella. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX, TransUnion and XXXX XXXX : Account Name : XXXX XXXX Account number : XXXX I received a correspondence from XXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( XXXX, XXXX, TransUnion, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Transunion : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Credit card

I have a Lowe 's Rewards Credit Card acct ending in XXXX. Synchrony Bank is the entity involved with that credit card. I regularly shop at Lowe 's but might use other credit cards if they offer a better interest rate etc. When I applied for my Lowe 's credit card, my credit was sufficient for Synchrony to approve a {$10000.00} line of credit. Recently, got an email advising that my credit limit has been reduced to {$1500.00}. When asked Synchrony why my credit line was reduced, they basically told me that it was because I wasn't spending enough money at Lowes on their credit card. I explained to Synchrony ( by letter ) that I do shop Lowes but haven't had occasion to use my Lowes credit card, but I may be using it the future for a kitchen redo etc, but if they want to try and control my spending habits maybe Synchrony should just cancel the card I will take my business to XXXX XXXX, Ikea or XXXX etc. Furthermore, I informed Sychrony that they may check my credit and they will see that it is very good and they also check my Care Credit card ( also controlled by Synchrony and they will discover that I am making regular XXXX XXXXXXXX via auto pay on tht acct balance to further support my excellent spending and regular repayment history. Synchrony responded by ignoring their myopic action & telling me I have to reapply as a new customer and prove myself credit worthy AGAIN. My answer to Sychrony is XXXX when I dump this subpar bank and tell Lowe 's why they are losing customers.