23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for an AMEX offer that if I spent {$7000.00} on my Amex Marriott Bonvoy Card by XX/XX/XXXX that I would receive XXXX Marriott Bonvoy Points that are worth at least {$100.00}. Since Amex is infamous for sneaky and misleading terms on their promotions, I proactively reached out to Amex on their online chat and spoke with Amex XXXX XXXX on XX/XX/XXXX. I specifically requested that Amex provide me the dollar amount of the qualified spend as I thought I had spent {$7700.00}. The Amex rep stated that I in fact only made {$4500.00} of qualified charges. I then immediately spent the over {$2500.00} of additional qualifying charges to reach the {$7000.00} spend requirement. I have waited about two months and I still had not received my XXXX promotional offer points. I reached back out to Amex yesterday on Monday XX/XX/XXXX to request my points. They stated that even after spending the additional {$2500.00} to get to {$7000.00} in the spending requirements that I did not qualify for the promotion. I told spoke with both XXXX and XXXX who is a supervisor ( employee ID XXXX ). XXXX from Amex fraudulently now claims that even though I requested the amount of qualified spend on XX/XX/XXXX ) to avoid any more deception for fraud from Amex ) that XXXX did not in fact provide me the amount of qualified spend but instead only provided me the amount of total spend. I used my card at an international hotel and it shows up in my account in US dollars. They are now stating that this is not qualified and XXXX did not in fact provide me correct and accurate information to my question which I specifically stated, " confirming I met my XXXX XXXX XXXX offer for the XXXX bonus bonvoy points. I show about {$7700.00} but want to confirm that you show that too and that I met the requirements ( for the promotion ). XXXX at Amex responded, '' I am checking it manually so it will take few minutes. You have just made the total charges of {$4500.00} till now. '' Any reasonable person would assume that when they request what is the total spend that is eligible for the promotion and Amex responds with " {$4500.00} '' that this is the amount of eligible spend. He did not provide me a different number stating that of the {$4500.00} of total spend that there was a lesser amount that is the qualified spend. To claim now that the Amex rep was only providing the total spend even though he provided me an answer to my question is deceptive and fraudulent. My husband who is XXXX signed up for the same offer on his credit and received the points. I who am XXXX and specifically reached out to Amex just to request the amount of qualified spend, received an answer, and then spent the additional amount to meet the requirement is denied the bonus on the promotional offer. This is clearly XXXX and am shocked that Amex is allowed to discriminate, be deceptive, and commit fraud against their customers. I request the CFPB hold Amex accountable for their fraud, deception, and XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report. 
They are hurting my ability to get credit. thank you very much and blessings
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance {$30000.00}, XXXX XXXX  XXXX Balance {$72.00} & XXXX XXXX XXXX XXXX Balance {$670.00}.
Product: Debt collection

Caller ID says call is from " Unavailable '' and says call is coming from XXXX. Voice mail says recorded voice is calling from United Collection Bureau Inc. Does n't say who they are calling or what they are calling about. Asks that I call XXXX. I have no debts, I ignored the call. Call came at XXXX XXXX XXXX, 2016.
Product: Credit card or prepaid card

I have an American Express Bluebird prepaid card in the last 6 months I've been hacked 3 times refers to the company reimburse me back this last time was the biggest which were {$2400.00} XX/XX/XXXX I called into the company for fraud because I did not make this withdrawal they said they would investigate 3 days later they closed my account and refuse to refund my money my husband passed in XXXX every time I try to draw from Social Security for him I got hit. This is how I support our children I do believe that somebody from the inside that can see everything in my account please help thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/18 after a XXXX search I saw a Transunion offer for a free credit report. I signed up and entered my credit card number thinking this was merely a verification of identity to receive the credit report. Nowhere in the sign up process did it say that I was signing up for a credit monitoring subscription and nowhere did it say there would be fees charged. It also did not say that the fee charges would be recurring at {$19.00} per month on a " til forbid '' basis. This is inexcusable, especially for a supposedly reputable credit reporting agency. 

I called today to cancel the service and that was accomplished ( they required me to sign in to do this ). I did not know they had signed me up for a credit service and I did not use that service ( the credit report offer did not mention the service or the fees ). The Transunion rep did not disclose that there was a {$19.00} charge already made against me credit card and would not have reversed it if I had not asked if there were any charges already placed against my credit card ( I am still awaiting the reversal verification ). By disclosing this initial charge during my cancellation phone call and not offering to cancel it ( less than 24 hours after inadvertently signing up is another effort to retain funds that were initially gotten through deception. 

For tracking purposes, the phone rep gave my cancellation number as XXXX. 

Please sanction them over this bait and switch tactic. 

1. Here are two of their promotions from a XXXX search : Free Annual Credit Report | TransUnion https : //www.transunion.com/annual-credit-report 2. Click here to access your free annual credit report. With TransUnion, it's easy to order your annual credit reports from all three credit bureaus at XXXX. 
TransUnion Credit Report | Sign Up Today in 2 Minutes Adwww.transunion.com/CreditReport/2Minutes If You Have 2 Minutes, You Can See Your Score Today! There's No Reason Not To. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Equifax and XXXX XXXX  about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. Equifax has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.
Product: Debt collection

Debt collection company continuous report/ increase my debt to credit bureau monthly by a {$1.00} to damage my credit. I believe its predatory collection practices and need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

SEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Someone hacked me and theft my identity and used my information and stole {$20000.00} from my bank account by XXXX binance I reported it to my bank on XXXX XX/XX/2021 And made claim after 10days XXXX XXXX XXXX  told me you must contact with binance Now I tried to login binance to recover my funds but XXXX binance account is disabled and I lost my money Please assist me to recover my funds. 
My support ticket number is XXXX and XXXX There is no XXXX binance customer to respond me and solve my issue. 
My name is XXXX XXXX My email is XXXX XXXX
Product: Checking or savings account

I've had an account with Bank of America since late XXXX. The first check I deposited over mobile app was held for 10 days and they explained it was because the account was new. I was upset but understanding. Now it is late XXXX I have deposited checks over mobile, in store, and through atm. My latest deposit was ATM and it is being held until XX/XX/2018 it was XX/XX/2018 when I deposited it. That is much longer than 10 days first of all. Second of all m uh account is no longer new. The branch and the customer support are all acting clueless and unable to help as if holding my money that I need to survive for no explanation is something I just take on the chin. They also keep saying I should know checks can be held for up to 10 days ignoring the fact they are holding my check longer than that. Finally they have made nothing of the XXXX dollars I deposited available until the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.
Product: Mortgage

We lost a home in the XXXX XXXX XX/XX/XXXX2018. Our insurance company issued a joint check with a smaller portion due to completely pay off the mortgage holder Bank of America. Since we opened a B of A account, we thought they would deposit the check, subtract their outstanding amount due on the mortgage, and distribute the balance to us expeditiously ( bank agent 's term ). Now we are approaching a month 's time and calling the various bank people at a number of their departments over the country where they claim to have physically sent the check ( Florida from California..? ) and our money has been effectively tied up in their red-tape and dysfunction. We need our money..! While our insurance company worked thru their process efficiently, it's taking Ban of America almost as long to cash a check ( in this day of electronic payment, I'm certain they could confirm and cash that check in minutes ) and distribute our funds as the claims adjusters took to confirm our entire house losses. 

There needs to be a downside to BofA for this kind of malicious money-grubbing larceny from people who simply want to cash a check and deposit their funds ...
Product: Debt collection

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Product: Debt collection

I have repeatedly requested written verification from Oliphant regarding this account. They have repeatedly failed to provide it.
Product: Debt collection

A letter was received from XXXX XXXX XXXX, debt collector acct no XXXX, for a XXXX XXXX XXXX XXXX account no. XXXX. This account has since closed satisfactorily upon home sale on or about XX/XX/XXXX. All balances paid as a matter of title transfer and assumptions. This debt collector, whether aware or not of the untimeliness and actions occuring between letter issue and present, submitted correspondence to my current address alleging an outstanding balance owed from this account since XX/XX/XXXX. The correspondence dated XX/XX/XXXX. What is extraordinary is : Since that time, I've been using XXXX XXXX XXXX XXXX as my provider in both subsequent residences occupied under lease terms without issue, notice, or identification of any balance due. Furthermore, I have been offered continuing services from XXXX XXXX with XXXX deposit, and granted a letter of impeccable credit by XXXX upon purchasing my current home. Notwithstanding, this debt collector proceeds. My new residence is serviced by XXXX  rather than XXXX, and rates for XXXX were much higher. So I no longer use XXXX. 

Nevertheless, I took impeccable care of my account services throughout, and did not hold the account for the period in question, stated as XX/XX/XXXX. The switchback was granted XXXX. Furthermore, the account was closed satisfactorily and a subsequent opened in XXXX. My suspicion is that the third party agency is acting in bad faith on antiquated information. It is further a poor practice to pursue debt collection without the original utility company making any good faith efforts to communicate such an account was ever erroneously passed to XXXX XXXX XXXX, the debt collector. Both parties failures to communicate promptly and accurately led to this severely delayed and inaccurate attempt to collect some amount not owed. 

This is costing time, efforts, and generating undue burden at a time when many, self and family included, can least afford it. I hereby give my first, last, and only notice to XXXX and Transworld Systems Inc that they have made an error. I identified the error. If their claim had formerly any factual basis, I assert acord and satisfaction by continuing XXXX Accounts, contributory negligence by same reason, and latches as primary rationale to defend any alleged justification. cessation of communication regarding this alleged debt in perpetuity. Further bad faith pursuit suggests latches considering timeliness.
Product: Bank account or service

I 'm getting hammered with OD fees on my business account due to the fact that my alerts are not working it is advertised by chase that setting up alerts helps keep track of your account and prevent overdraft fees. This is not correct. Also I have made deposits and never bounced a check and chase continues to charge me OD fees while I have checks pending to clear which is something the personal banker who set up my account said would not happen. Within the past month I have received XXXX OD fees which is absolutely ridiculous. When I call in I continue to be misdirected and misguided by phone reps and the offer basically no help. You can ask to pull the recorded calls and you will exactly what I 'm talking about. Chase also just sent me a check for this same issue happening to me on my personal account in 2014. Its shocking to me that it would take them almost 3 years to realize that they were in the wrong. Please help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

None of these fit my pending report which is Case number : XXXX. Sued in XXXX XXXX Civil Court. Allegedly by XXXX South Dakota XXXX now calling themselves XXXX XXXX A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the XXXX is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.
Product: Credit reporting or other personal consumer reports

Hey Equifax, I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Product: Debt collection

This is regarding XXXX phone company. on XXXX i contacted XXXX  interested in changing my cell phone service from XXXX XXXX XXXX to XXXXXXXX. I spoke with XXXX ( she/her ). She gave me all this information and told me that i would be able to switch my service even though my contract was not up and that XXXX would pay for the change. She told me that XXXX XXXX XXXX would temporarily unlock my phones so that i could port my phone numbers and then pay them ( XXXX XXXX XXXX ) off. This didn't sound very reasonable to me, but she assure me that that's how this worked. So i agreed to start with tmobile, I was charged {$140.00}, and have account # XXXX. 

On XXXX SIM cards were shipped to me for my phones. As it turned out, it was just like i thought! XXXX XXXX XXXX would not temporarily unlock my phones, i could not start the new service!! and I was out {$140.00}!!! I called to cancel my " account right away. '' On XXXX and XXXX i received a survey via email and i expressed my disappointment. A representative called me back in repsonse to my survey responses. they promised me a refund and started the return process for the sim cards i recieved. The return started on XXXX. 

on XXXX, they charged {$180.00}!!!! it was auto charged to my card!!! I was furious!! I called them again to complain on XXXX when i called on the XXXX, the first rep hung u on me, the send rep said " she can't see any refund nor notes. '' I told her that if i don't get resolution that I would file a fraud charge on my card and report them. She THEN said " oh i see the reference number! '' and Then she began to process my refund of the first {$140.00}. But they still owe me the {$180.00}!! 

on XXXX, they acknowledged the receipt of my returned equipment via email. then on XXXX, i received a refund of only {$100.00}. 

XXXX Owes ME money!! 

They kept sending me bills and I called them every time. they would acknowledge it and say it would be resolved but then I got a collection notice!!! 

I did a dispute via my XXXX XXXX app. I noted that if it was not resolved that I would report them to the CFPB. Yesterday, I received a letter in the mail from Credence Resource Management for a collection from XXXX for {$130.00}!! 

I am so very upset!! My credit rating is tenuous and I have suffered a very serious financial hardship this year and this does not help!! I don't have money to pay bills that I don't owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, Equifax, And XXXX have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.