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

XX/XX/XXXX at XXXX XXXX I received the following Email : Title : Do n't Forget : Earn XXXX Membership Rewards ( R ) Points Dear XXXX, This is a reminder that you can earn XXXX Membership Rewards Points after you spend {$2000.00} in eligible purchases on the Card between XX/XX/XXXX and XXXX/XXXX/XXXX as part of your original welcome bonus offer when you received your Card. 

Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. 

If you have any questions, please call the number on the back of your Card. 

Thank you for your Card Membership, American Express Customer Care So I spent more than XXXX later but did not received the claimed bonus. After I contacted more than 3 representative, they said the date was not correct. The spending frame should actually start from XX/XX/XXXX. So they suggested me to spend another XXXX, instead of righting their wrongs : issue the bonus to me right away. One of them even claimed it was my fault for reading terms when I opened the account. I think Amex should admit their mistakes and compensate their customer instead of stimulating him to spend more on their product. After I spent long time arguing with them, they agreed to open an " internal investigation '' and wanted me check with them in 6-8 weeks. 

I had some bad experience with the so called investigation on a different issue : last time one representative told me to come back in one week for a satisfactory answer. I did but was only told by another representative no result yet. I kept doing this for two months, wasted a lot of time, and eventually gave up. Even today I still did n't get any result. So this time I suggested the agent to send me an email once there was any result but the agent said they are not able to do that. I really do n't want to waste my time waiting on a void answer. Wanted to say something more and the chat got disconnected, again! I tried to contact them earlier and it got disconnected too after I spent a lot of time explaining this issue. 

So I decide to stop wasting my time and finally file a complaint here. I think Amex 's attitude is problematic.
Product: Mortgage

I 've called XXXX now to PennyMacLoan Services to get my monthly statements corrected. They send the monthly statement towards the end of the month, the payment slip that I un-attach to send with my payment is for the previous month. Example : the statement that I received at the end of XXXX that was supposed to have the payment slip say Due XXXX/XXXX/2015 for the XXXX 2015 payment says XXXX/XXXX/15. It 's like they are a month behind. 
I 'm not behind on ANY of my payments. I 've called them XXXX and no change. 
Also, I spoke to a rep today at Penny Mac Loan Service and I 've never ever made a payment on the phone and somehow, they have someone else 's routing information on my account and the rep asked me to give her my new routing numnber and account number. I got suspicious and I told her that i would send a cashiers check instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank XXXX XXXX XXXX credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. PNC or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
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 : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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: Bank account or service

Someone fraudulently used my debit card. I tried to call Bank of America to report it but after waiting on hold for 30 minutes ... ... .... I hung up. I called back and talked with a customer Rep and she apologized but told me that there were long wait or hold times on the phone to report fraud for a debit card. If it had been a credit card then I could file the fraud complaint online. But could not file a complaint for a debit card. If someone has my card number and is charging fraudulent charges, it can be used just like a credit card. Except they are going through real liquid cash! This needs to changed ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the ( 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 R. These actions have caused significant inconvenience and finical loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX Personal Loans Companies XX/XX/year> XXXX XXXX Finance, personal XX/XX/year> XXXX. Personal Loan Companies XX/XX/year> XXXX XXXX XXXX Bank Credit Cards XX/XX/year> XXXX XXXX Credit Card XXXX XX/XX/year> XXXX Banks and S & Ls XX/XX/year> XXXX XXXX XXXX XXXX  Bank Credit Cards XX/XX/year>
Product: Credit reporting

I checked my credit report and all of my inquiries were deleted. I login today and now they are back which are affecting my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 violations.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal info 15 USC 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: Payday loan, title loan, or personal loan

I hired XXXX XXXX XXXX XXXX to remodel my home, with a written contract and financing through Mosaic ( their bank ). XXXX  told Mosaic that the job was completed for the kitchen remodel when it was not. Mosaic released the funds for the ENTIRE contract to XXXX despite the job not being done. Since XX/XX/2022, I have tried to reach out to Mosaic via phone, text, and email to get this corrected and to reclaim the funds from XXXX  to no avail. XXXX  is refusing to return the funds and refusing to complete the contract. I am still being held accountable for the monthly payments despite their refusal. Since they haven't been back to finish the job, I've had to finish it on my own. Because of this I want a full refund. I'm uploading some pictures, but I have a whole video that I can provide that shows the extent of how unfinished the project was.
Product: Checking or savings account

I just have question on POA (Power of Attorney) issue with Bank of America.
I have accounts for my sons with Bank of America more than 20 years and always as POA. Since last month, they start showing POA at all banking statements instead of not appear. I ask the bank should it be hidden and keep between bank and accountholder instead of expose to public? Bank of America say "NO". So I want to confirm is that the new Reg or banking rule? If it does, why that not happen to all of my other banks? I contact FDIC, they refer me to OCC, then today I get email as follow: XXXX XXXXMail 
To	XXXX Today at XXXX XXXX XX/XX/XXXX
Ref. No: XXXX 
 
Re:      Bank of America, National Association
            XXXX, NC 
 
Dear XXXX XXXX:
 
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).  The FDIC's mission is to ensure the stability of, and public confidence in, the nation's financial system.  To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. 
 
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB).  Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance.  We are forwarding your correspondence to the CFPB at the address below.
 
Sincerely,
 
Consumer Response Center
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX
Telephone:  XXXX
Fax: XXXX
 
cc/enc:   
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA  XXXX
Telephone:  XXXX
XXXX
Product: Credit reporting or other personal consumer reports

Midland Credit Management has placed a collection on my credit report without following the laws such as " US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan '' . They have a collection for XXXX XXXX XXXX XXXX. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre ) . I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX  XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into XXXX itself to check XXXX  XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX  XXXX and it said it was not going to affect my credit
Product: Credit reporting or other personal consumer reports

What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile phone line opened at XXXX on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX with a balance of ( {$1000.00} ), a utility/internet account opened at XXXX XXXX  on XX/XX/XXXX resulting in collections account at XXXX XXXX XXXX  with a balance of ( {$340.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed one of my accounts was not reporting accurately. It shows a late payment on my account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not had any late payments and I've attached a copy of the reports to this complaint with the following dates, XX/XX/XXXX I am requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I have sent numerous letters requesting the purchase agreement and other supporting documentation. They have not sent what I asked for our any evidence that they own the Debt. They are now reporting the account as " OPEN '' which is clearly a FTC violation under 15 US Code 1681S-2. That is not accurate information. They have violated my rights and the Law. I want this removed from my credit reports immediately. It is causing a hardship in an already hard economy.
Product: Credit reporting or other personal consumer reports

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 Inaccurate Accounts listed on Transunion Report.
Product: Debt collection

I have been getting calls from Harris and Harris for years now. I do not owe a debt that is now or has ever been owned by a Harris and Harris. I tried to contact them going back 3 or 4 years ago and explain whatever they are collecting is incorrect and not anyone at my number. I never get a person and can only leave messages. I try to leave messages every few months, but nothing changes. They still call every day around XXXX, again sometime in the XXXX XXXX and often again around XXXX. Every day. It hasnt stopped in almost 5 years. Its getting exhausting.
Product: Debt collection

XXXX calls from General Revenue Corporation from various numbers for a different person. At least XXXX more calls from representatives from an unidentified debt collector organization. When I call back they all reference an individual with a similar name but different social. Each time I corrected them based on the last XXXX digits of my social being different. They apologize. Each time I inform them that I have had multiple repeat calls from them, my phone number should be removed, and their database needs to be corrected. The tell me " our system says this is the first call ''. XXXX representative became argumentative even though we had already established I was not the person he intended to reach. This is a broken system that is irritating responsible citizens.
Product: Credit reporting or other personal consumer reports

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 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and Equifax. Thank you!
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX amount {$130.00} Account # 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
Product: Debt collection

On Thursday  XXXX   XXXX ,  2017  @  XXXX   XXXX  I spoke to a representative o f Majestic Financial  and I was told that my payment scheduled for  XXXX   XXXX ,  2017  would pay off my balance on my account. I requested all communication be in wrting and to cease & desist all phone calls in an email that the supervisor had given me if I wanted to dispute the debt. I sent the email as instructed on  XXXX   XXXX  and I stated I was disputing this debt and i stated that if they feel as though I owe anything, to send me a letter in writing with my pay off balance. I received a phone call from their call center the following day,  XXXX   XXXX  @  XXXX  and I can provode cipies of my phone redords if needed. I also received a letter with no balance and threatening to take action against me if I do n't pay my balance. Under the Fdcpa, if a consumer disputes the debt, my understanding is the creditor has to send validation of debt and the balance owed. I requested this in writing within 14 days as instructed and have yet to receive anything outside of this letter
Product: Student loan

My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. 

I submitted this complaint before and the company response was to a completely different loan.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2018 that Chase was closing 2 of my business credit cards one ending in XXXX and one ending in XXXX. I contacted Chase on XX/XX/2018 and was told there was no reason given for the closing of the credit cards. I spoke to a representative and he informed me that he didn't see any reason for the closure of the cards either. I let him know that I still have my mortgage through Chase and the only reason that I could think of for the closure of the accounts is that Chase wanted to eliminate there honoring the bonus categories on those cards. I have had both of them for about 4 years and have never had a problem with either of them. These cards offer 5x points on specific purchases and the new version of the same card only offers 3x points on that same purchase. The Chase representative let me know that I could apply for the new version and I informed him that the reason I wanted to keep these cards was because of the 5x points. I think the only reason that Chase closed these accounts was so that they wouldn't have to honor the terms and conditions that they agreed to. Please let me know if you need further information. Thank you.