23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a member of Alaska airline 's mileage plan member and I had the Bank of XXXX credit cards. Recently XXXX audited my mileage plan account, restricted access to my account & threatens to cancel my existing flight reservation if I do n't pay in cash for the flight I already booked with my miles. I had miles in my account for over XXXX years but XXXX audited my account only after I booked flight using my miles that I earned. 
XXXX says the reason for their action is because I violated the XXXX airline card terms and conditions and for not paying the card 's annual fee and for closing the credit card. 

First, I have never violated the credit card or the XXXX mileage plan terms. 

I applied for XXXX XXXX cards in XX/XX/XXXX and kept XXXX for almost XXXX yrs and I converted the other XXXX to a different BOA credit card as allowed by card terms and conditions. I opened XXXX XXXX cards in XX/XX/XXXX & closed them almost XXXX months later. Bank of America credit card agent waived the annual fees on these XXXX cards and I closed them almost XXXX days later. All credit card issuers allow you to cancel a card and not have to pay annual fee if closed within XXXX days. 
I have not violated any of the credit card terms and conditions. 
I saw an ad for the Bank of America credit card. I signed up for the credit card relying on the ad. I was approved for the credit card. I was awarded miles for signing up for that credit card & for using the cards. I thereafter closed XXXX of them consistent with the XXXX of those cards. After earning the miles from an agreement with BOA, an agreement by which I abided, XXXX decided to revoke, rescind, and remove miles I earned vis-a-vis an agreement which I did not breach, yet XXXX appears to be saying I did. I did not violate any agreement with XXXX. In fact no where in the credit card agreement and terms says my miles will be removed or my flights booked with the miles will be canceled if I close the card. I did n't sell my miles to others and I did n't book awards for others. XXXX argument is based on " they 're our miles, we can do what we want, whenever we want, to whomever we want, for no reason whatsoever, even if the member abided by the terms of the agreement. 

I
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report today, and Im at a loss as to why. When I checked my report like usual, there were new discrepancies that popped up out of nowhere. I refreshed the page, thinking it might be a browser issue, but nothing changed. I am really frustrated and want this issue dealt with immediately by thoroughly reviewing my documents so I can avoid this kind of situation in the future.
Product: Debt collection

I made a payment to my outstanding medical bill at the Hospital in the amount of {$800.00} on an outstanding balance of XXXX. I contacted the billing department to confirm that a prior payment of {$700.00} on my FSA account had processed because I had found a notice that it had not. The billing dept had confirmed that it posted but there was still an outstanding of {$1600.00}. I informed them that I had made an {$800.00} payment earlier that day. They said that they would likely not see it post until XX/XX/XXXX. I inquired about making payments on the remainder and was transferred to a different individual. When I requested a repayment plan she informed me that the account had been turned over to collection and that they would set-up a repayment plan. I informed her that was not something I would want to do and that I would pay the entire amount. She asked if she would like me to be transferred to their payment department which I agreed to and she did. I paid the remaining amount of {$860.00} to the hospital cashier over the phone to clear the balance. I asked the person in the billing department that had transferred me to the hospital cashier concerning the collection status and how that would be addressed since payment would be made in full. She indicated that there would be a report from the Hospital to the collection agency that the balance was paid in full to the hospital as XX/XX/XXXX or XX/XX/XXXX. Today XX/XX/XXXX, I received a form letter dated XX/XX/XXXX from the collection agency demanding payment or further actions would ensue. I have attempted to contact the number provided by the agency several times during their stated business hours. I get a recording that all reps are engaged and that I am being placed in a call queue and then disconnected. My contention is that AR should know or that it is their responsibility to know that no such debt exists. I want to make sure that they can be stopped from reporting anything to a credit bureau on an amount that does not exist. My current score is greater than 800
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : Many Cerified letters sent,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX amounts spend {$6.00} {$3.00} {$3.00} {$330.00} {$3.00} {$3.00} {$3.00} {$330.00} {$330.00} Certified Receipts. Asked Experian to remove old address with no results! Address not deliverable to me by U.S. post office they are not reportable by FRCA. Inquiries ( hard ) did not provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.Reports state Reason unspecified not acceptable. Auto inquires stated count has one in a 30 Day period Experian lists them separate. Mortgage inquiries in a 30 day period count as one inquiry listed has single accounts and Auto inquires. I have tried to do my best with Experian results are poor! I 'm a XXXX Vet and I should get help I need from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX have all 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.
Product: Debt collection

This company continues to contact references after they have told them numerous times to stop contact.
Product: Debt collection

In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,
Product: Money transfer, virtual currency, or money service

My FTC identity theft report # XXXX. I gained knowledge of my sole XXXX XXXX policy of XX/XX/XXXX OF XXXX VA ONLY ORIGINAL ADDRESS ..being split by unauthorized transactionS at some time without my knowledge and I only obtained thus info in only XX/XX/XXXX. XXXX XXXX refuses to give me copies of those policies created From my sole policy from XX/XX/XXXX and a vehicle history list to justify unauthorized over 100 k claims and payouts after reporting fraud activity in person to XXXX  XXXX XXXX manager XXXX with a injured leg in XX/XX/XXXX. The two checks attached I request bank of America corporation XXXX XXXX XXXX XXXX XXXX nc and BOA XXXX county XXXX georgia and as stated bank of America no address just states XXXX Va no identifying boa location in VA. and ask boas three locations in XXXX county nc to identify the owner and all emails used and all ipaddresses used and addresses and my name spelling used and phone numbers used to create these BANK OF AMERICA CUSTOMER CONNECTION ACCOUNTS thru XXXX XXXX XXXX or a XXXX XXXX location. I am requesting the signature cards of the owner that created and used these customer connection accounts both bank of America BAL BANK OF AMERICA XXXX VA ..NO identifying ADDRESS OF ANY KIND REPORTED ON THE 1 OFFICIALLY issued XXXX XXXX ... ON THESE CHECKS thru bank of America customer connection accounts XXXX VA. MARKINGS FROM CAR AND DUR ... .Explain this to me bank of America. Again there are bank of America type of money transactions ACCOUNTS AND USER ONLINE capabilities of my solely owned monies WITHOUT MY KNOWLEDGE OR PERMISSION. 
ATTENTION BOA ONLY SEND YOUR official response thru the cfpb so I get it and can read it. As I reported to the federal law enforcement of the USPS and to boa and others ..that I never received bank of America 's responses of approx 8 as stated was sent to the CFPB directly to the consumer by bank of America XXXX XXXX XXXX nc until the group of copies of letters I received only XX/XX/XXXX. The unaccounted for letters from BOA had proof and evidence I have been claiming since XX/XX/XXXXto XXXX at XXXX XXXX XXXX XXXX  XXXX va in person every year and more until XX/XX/XXXXto XXXX XXXX  at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 in report number XXXX I made a complaint to CFPB against Equifax showing proof from XXXX XXXX that they are not reporting any type of bankruptcy on my consumer report. I had recently challenged this matter with Equifax, and they came back to me as " verified '' through XXXX XXXX which is why I was filing the report against them in the first place through CFPB. However, upon doing so through CFPB this time, they have now come back stating that they " verified '' it through the courts on XX/XX/2022 in report number XXXX. I am one last time providing documentation from this time the COURTS showing that they DO NOT report this type of information to credit bureaus.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report from Equifax, I have noticed a concerning absence of any credit score or credit data. This absence is particularly troubling as I have maintained active credit accounts and have a history of responsible financial behavior. Despite my consistent efforts to manage my credit responsibly, it appears that Equifax has failed to accurately capture and report this information. I am deeply concerned about the implications of this omission, as it may hinder my ability to access credit and financial opportunities. I urge Equifax to promptly investigate this matter and take the necessary steps to ensure the accurate reporting of my credit data, thereby restoring the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was frustrated in my attempt to get a free credit report. 

Transunion is not offering an unambiguous free credit report. They require a credit card and make you subscribe to a {$19.00} monthy subscription. I submit this makes it " not free '' even if this money is refunded, or if the subscription can be cancelled before charges apply. 

It is a matter of intentional impediment to set it up this way. The consumer has no way of knowing how difficult it will be to avoid charges. Sometimes to cancel subscriptions a wrenching experience with the telephone is required, and there is no way to know if this will be the case here or not. 

They direct you to this link, XXXX XXXX XXXX XXXX XXXX XXXX : center : tu Please help, thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.
Product: Checking or savings account

I am writing to bring to your attention a matter concerning an unauthorized transaction that took place on my business XXXX XXXX XXXX, checking account # XXXX with Wells Fargo BankXXXX, on XXXX XX/XX/XXXX and XX/XX/XXXX, I noticed that {$12000.00} was withdrawn from my account through an ACH transaction made by XXXX XXXX XXXX While {$4600.00} of this amount was returned, I am still missing {$7600.00}. 
I immediately contacted both Wells Fargo and XXXX XXXX to report this issue and was informed by XXXX XXXX that they require a reference number from Wells Fargo in order to investigate the unauthorized transaction. However, Wells Fargo provided me with a reference number starting with XXXX, which XXXX XXXX advised would not help in finding any information on their system. Additionally, I have never done any business with XXXX XXXX and they are unable to find any information about me. 
I am extremely frustrated with the lack of assistance from Wells Fargo in resolving this matter. Not only are they not helping, but they are making it impossible for me to recover the money that was pulled from my account without my permission. As a customer of Wells Fargo, I have always relied on the security and protection provided by the bank. I believe that it is the responsibility of the bank to assist in resolving this issue and to reimburse me for the unauthorized withdrawal, which was a result of a breach in the bank 's security measures I have attached all relevant documentation, including a copy of my account statement, to this letter. I request your assistance in resolving this matter and a full refund of the missing {$7600.00}. If necessary, I am willing to provide additional information or documentation to assist in the investigation. 



Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX terrace XXXX fl XXXX Phone : XXXX E-mail : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities.

Limited time only.

Open your new HSBC Advance checking account online by XX/XX/2018 ; and Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. 

On XX/XX/XXXX, application for Advance Checking account is approved. 

On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018. 

That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded.

On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information. 

However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised.

This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX  XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Checking or savings account

I am unable to access my funds via online banking. Both on a computer and my XX/XX/XXXXThe messages I get indicate I should adjust my browser to accept cookies. My browsers do accept cookies. I spend 40 minutes with an XXXX technician and gave him total control via internet of my ipad. The verified both XX/XX/XXXXand XX/XX/XXXX browsers are set to accept cookies. I then tried to access my online accounts with CIT using my husbands computer ( also accepts cookies ) and have the same problem. 

I have phoned the CIT bank 3x and they insist the problem is no on their end. I have also emailed the CIT bank and have had no response. 

I have consistently tried to access my online accounts since Saturday, XXXX XX/XX/12. 

The bank is not trying to resolve the issue and I can not access my account.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX. 

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. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company keep reporting wrong information on my credit report and is affecting me. 
also is not taking the investigations seriously. 
see ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPEAT ADDITIONAL INFORMATION HAS BEEN SUBMITTED! I did send paperwork showing from multiple credit agencies, including TransUnion online. I printed these papers out, showing no changes on my credit score prior to my credit score decreasing. I sent about 6 pages, along with a description of why Im requesting the points back. It was clear. Everything I sent was proof as well as provided the reason. However the letter they sent indicated that they didnt see this information on their site or on their end, and advised me to look at my credit report. Looking at my credit report has been their answer for everything. That didnt and doesnt resolve this situation. This is not a situation of change on my report. The issue is change on my score. And it was after the inquiry was removed the same exact date. I received an alert from multiple credit agencies showing my credit score decreased and the reason it did. I sent all that to Transunion. And they have done nothing, but continue to ask me to review the report, which isnt resolving my score changes. I even showed them a paper that showed no changes until the inquiry was removed. Their system they use that provides the formula for the mix of consumers credit report, caused this. And now they wont fix this, wont take responsibility for it. And keep pushing it to me. They are acting as if I didnt already send paperwork to them in the mail, they are acting like I didnt write a letter Clearly telling them the reason. And asking for my XXXX  points back to my credit score. They received the request and paperwork because they responded in a letter but the letter only said they didnt see this on their site, but my score is different now, so they wont see it. However they seen what I showed them and sent them in the mail. To prove the removal of the inquiry Decreased my score, and they didnt provide the XXXX  points I lost back to my score. They have not done anything but removed the inquiry. But didnt fix my score decrease. They are deflecting from the issue. They have the capability to look at my score XX/XX/XXXX or XXXX to see what it was, then look at XX/XX/XXXX to see the change. They know they removed the inquiry that date and it would be crazy to deny that, that was the cause when they can look at the activity themselves on my credit report and score. Nothing has changed and I have already sent in the mail what they asked for last month in XX/XX/2022, they have it. Now I want my points to be added back. All XXXX  points
Product: Credit card or prepaid card

I had opened an account with XXXX XXXX to purchase a bicycle on a 0 % 12- month financing plan. That was fine until the card company owner - Comenity - ended the XXXX program ( or it was sold to Comenity ), while I still had a remaining balance ; effective XX/XX/XXXX. I have not used the card for ANY purchases since Comenity took over. My original 12-month 0 % XXXX plan lasts until this coming XXXX, XXXX. 

To date, Comenity had honored the no-interest payment plan. They did, however, charge me a {$40.00} late fee at least once when I had paid the bill/got it in the mail in what should have been plenty of time. The runaround I got from them when I tried to complain ( to a call center staffed with scripted people for whom English is not the first language/it 's XXXX ) suggested I would have had to have paid the bill the moment it arrived, their lack of grace period/suggested mail-ahead time was so extreme. 

Because of my disgust at this, I paid the entire balance off last month, a matter of about {$340.00}. 

I just got my latest statement, which shows it was paid off, but carries a {XXXX} balance. 

The date of payoff, in full/total balance, is listed as XXXX XX/XX/XXXX, on their printed statement ( see attached photos ). 

The date they charged a {XXXX} fee, listed as a " Minimum Interest Charge '' was XXXX XX/XX/XXXX. Again, printed on the statement. I have never made a single purchase that was supposed to be subject to interest- all were made under the XXXX XXXX/prior to the change to Comenity. 

I attempted contacting them again and got a ridiculous/gibberish runaround from the again non-native-speaker with a zombie script, making inane references to revolving credit statements back in XX/XX/XXXX ( when the plan was still 0 % XXXX .... ). I hung up in frustrated disgust. 

I'm now paying them their {XXXX} and am going to attempt to close the account ( wish me luck ). 

I just think Comenity Bank XXXX XXXX, Ohio/ XXXX XXXX XXXX XXXX Texas needs to be on your radar : this is the WORST 'gotcha ' behavior I have ever seen from a credit card - it's just a scam, basically, and I want out. I don't trust these people at all and have no interest in using their card or being their customer. 

It's not worth my time ( billable hours of my own ) to knock my head against the brick wall of their horrible customer service over {XXXX}, but it would be good if your watchdogs had a look at these people. I think they're in the game of bilking consumers. I'm a guy with a XXXX XXXX/not at all illiterate financially or literally, nor naive, but I really worry what these folks could do with behavior like this to people running serious balances with less fiscal knowledge.