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

Hello, I received a personalized offer for XXXX Marriott Bonvoy points and a {$100.00} statement credit from American Express for signing up for a Marriott Bonvoy Business credit card. I signed up for the card and met the spending requirements, but then American Express only deposited XXXX Bonvoy points into my account, did not offer the {$100.00} credit, and insisted I was only eligible for XXXX Bonvoy points instead of the XXXX pursuant to the personal offer. 

I first raised this issue with American Express several months ago ( XX/XX/2019 ), and was told I would hear back within 6-8 weeks. Apart from an initial intake email, American Express never responded with a resolution to my complaint, despite several attempts on my part to have it resolved. When I raised the issue with their customer service team today, I was informed that there was no option to deposit the missing XXXX Bonvoy points or {$100.00} credit and that the case complaint was closed.
Product: Debt collection

On Friday XX/XX/2023 I was served with a civil summons by the Sheriff. In the civil summons I am being sued by Midland Credit Management incXXXX for the amount of {$1600.00}. This debit is not mine, I have no knowledge of this company nor have I ever opened an account with Midland Credit Management XXXXnc.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account with my wife back last year. I was living in XXXX XXXX at the time. I am a US citizen and have since moved back. 

I got a new phone and can not log into my Coinbase account. When I asked my wife to do the verification process by uploading her documents it doesnt work. 

I have tried on every available platform to contact customer service and keep getting the same canned answers. They say they will answer phone calls and its a bs system that doesnt answer anything. They have XXXX usd of my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/ there was a fraudulent purchase on my PayPal account. The perpetrator also created another credit card account. My bank resolved the issue in my favor. However, PayPal refuses to close my account and wants me to upload photo ID which I refuse to do. I have deleted banking information on the account, made security login methods to access the account and just want to close it. I am concerned that my account has been compromised and some of my personal information. I refuse to send more personal information to them to close it. I need to know what can be done. There are no phone numbers that I can contact them by. 

Please advise.
Product: Debt collection

they repossessed a car three years ago. I will not pay on it as there were issues with the car and their handling of the repossession. Now they are threatening me legally hinting at going to jail if I do not pay something, I will not be blackmailed
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 72 months Payment History XXXX made 78 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I fully dispute the collection letter XXXX XXXX XXXX sent me dated XX/XX/year>, acting on behalf of LVNV Funding. LAST YEAR, LVNV violated my written Do Not Call request. They then reacted to my complaints by stressfully spamming me with paper Debt Validation packets around XXXX times over the span of XXXX weeks. And I never even requested Debt Validation! These anti-consumer violations were recorded through the CFPB and the PA Attorney General 's office. THIS YEAR, I'm dealing with new identity theft, new legal hide and seek games, and multiple creditors acting in absolutely nonsensical, cartoonish ways. The whole reason I'm stuck with debt I can't quickly pay off is due to years of family criminal abuse that has gone unresolved and has continued to this day. It's absurd I'm getting this XXXX collection letter right now, with THIS timing. You can not convince me this is purely a coincidence, and this isn't some sort of illegal bullying effort in tandem with other creditors, specifically XXXX / XXXX XXXX XXXXXXXX. I'm not going to pay you as a reward to violate me, when I can factually prove you've already committed violations. THE FACT I HAVE DEBT DOESN'T MEAN YOU CAN JUST DO WHATEVER YOU WANT TO ME! I am also sending this formal dispute through the CFPB with extensive attachments, which I just wasted most of Sunday XX/XX/year> assembling. I am going to re-iterate the same request I gave LVNV 16 months ago : I'm demanding that you stop contacting me about this account entirely. If you still have anything to say to me, I want our next conversation to be in front of a Judge with all the evidence laid out on the table!
Product: Mortgage

This is a continuation of my previous complaint # XXXX. I 'm still requesting that my name be changed to my correct and legal name on my deed initiated by New Penn Financial XXXX XXXX XXXX. All of their supporting identification, which includes my driver 's license and marriage license, states that my name is XXXX XXXX XXXX not XXXX XXXX XXXX, as was reported. They promised to make this correction and never did. There has never been nor will there be any driver 's license, social security card, or other means of identification stating that my name changed at any point.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX Landline : ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) attorney, medical release proves fraud they're saying never issue my records to Citizens Bank Hello, Respectively, hear me out ; all my records were without express consent, according to the written letters below. 

XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX XX/XX/XXXX, Citizens Bank XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No # XXXX. 

XXXX XXXX, the merchant who supplied XXXX XXXX medical and financial records, are those details accurate. 

I received a letter from the Office of the Attorney General. Enclosed was an admission from XXXX XXXX 's attorney XXXX XXXX XXXX - XXXX, XX/XX/XXXX, states they did not provide Citizens Bank with any of my information. If this discovery is true, how would Citizens Bank receive private HIPPA data without permission? Let me be clear ; this has nothing to do with the documents I provided ; that is not what's relevant. 

What's relevant is the message from XXXX XXXX 's attorney that is my concern. Is there any truth to what their attorney disclosed? Who's telling the truth? Although no one believed I have ethics, morals, and integrity, do I want to be reimbursed {$7000.00} for services that were not rendered absolutely? After all, I was there, so who would know better what happened. 

However, this is much weightier than XXXX dollars if the facts you provided are the truth that changes the narrative ; in other words, XXXX XXXX committed an unlawful act by misrepresenting Citizens Bank and XXXX XXXX. XXXX XXXX tainted representation by way of fraud. Fraud is an offense that captures a wide range of conduct. I am not surprised by anything they say or do ; after all, scammers and con artists are significantly good at what they do. 

I look forward to hearing your thoughts concerning this matter. Thank you for your valuable time. 

Sincerely, XXXX XXXX See attachments : Document : Office of Attorney GeneralXXXX Document : XXXX & XXXX XXXX XXXX XXXX XXXX Document : XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX Document : XX/XX/XXXX, Citizens Bank, Reference Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ref. No # XXXX
Product: Debt collection

On Tuesday XX/XX/2022, I checked my Credit on XXXX XXXX and it shows a Derogatory mark. I was confused because I never had any type of debt with WAKEFIELD AND ASSOCIATES or anyone in general. I called them on their direct phone number and no one answered me. The Derogatory mark says " opened '' since XXXX. I never owed anyone and it is impacting my Credit score significantly. These people are scamming me and I need to get this resolved as soon as possible. It claims I owe {$940.00} but I have never payed or owed in that amount. The original creator is XXXX OF ALABAMA XXXX XXXX, I owe no one with this sort of money and I have never received any kind personal phone call or electronic mail or to my address. I am not sure how to dispute this, if i could be helped to get this resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I received another alert on my credit report about a late payment to CHASE CARD SERVICES. Last month this bill was sold to a third party vendor, so how is it possible that CHASE is still reporting to my credit reports? This false reporting is damaging my credit score. 
I have filed a complaint before and company said it sent me a letter. They company has 30 days by law to respond to validation letters, it has been over 4 months, and I sent another out last week. I received no letters from Chase, however I received ( attached ) a settlement offer from XXXX XXXX, XXXX
Product: Debt collection

I incurred debt with XXXXXXXX XXXX XXXX in XX/XX/XXXX. I made payments until i fell on hard times in XX/XX/XXXX. XXXX XXXX contacted me up until XX/XX/XXXX in regards to collection but stopped after that. My debt was apparently sold to a company out of Georgia called XXXX XXXX who started to call me on XX/XX/XXXX. I told them i would have to research the loan as they were very unwilling to give me any info except they kept telling me they were going to file fraud charges against me. After I did some research and before I had a chance to call them back they contacted my son and threatened him that they were going to file fraud charges against me. He notified me and I called them and told them they cant talk to my relatives about my debt according to the Fair Debt Collection act. They didnt care. And in turn threatened me with 3 charges for 1 debt. I also informed them that California has a statue of limitations regarding collection of debt which had expired. He was clueless regarding that statute. This was a very frustrating experience as they wouldn't let me talk and would talk over me all the time with threats. I offered to pay a portion just out of good faith but they said all or nothing so I said we will see you in court.. Horrible experience
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 I looked at my Transunion 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: Checking or savings account

I called the bank to open a merchant dispute for merchandize not received. 
The claim XXXX was approved and the letter received on XX/XX/2023 said that my account twill be credited for the amount of XXXX on XX/XX/2023. 
I never receive that credit on my account.
Product: Debt collection

Beginning XXXX XXXX I was paying back a hospital bill from XXXX XXXX XXXX XXXX through their agency, XXXX XXXX OF XXXX XXXX, XXXX. 
Almost immediately after this began, I started getting notices from a different debt collector, WEST ASSET MANAGEMENT, claiming that I owed them the amount I was paying back. 
Despite forwarding them the documents to prove they had no right to attempt to collect this debt, WEST ASSET MANAGEMENT continued to send notices and demand payment. 
As of XXXX XXXX, WEST ASSET MANAGEMENT has changed their name to GLOBAL RECEIVABLES SOLUTIONS, INC. and their calls and letters have begun to arrive again, demanding that the debt I owe XXXX XXXX should be paid through them, and not XXXX XXXX, despite my account with XXXX XXXX being open since XXXX, up to date, and active. 
This has been an ongoing issue with this company since XXXX, I do not owe GLOBAL RECEIVABLES/WEST ASSET any money, I can prove I do not owe them any money, I actually have done so in the past numerous times, yet they continue to deny this fact and continue to harrass me into paying them the money I am paying a completely different company.
Product: Debt collection

REFERENCE : REVCO SOLUTIONS # XXXX XXXX XXXX ) I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL TODAY XX/XX/2023. I HAVE NEVER HEARD OF THIS COMPANY MEANING - REVCO SOLLTIONS OR XXXX. I DO NOT OWE YOU OR XXXX THIS MONEY PLEASE CORRECT YOUR BOOKS AND REMOVE MY INFORMATION FROM YOUR FILES ASAP. WHEN I CALLED XXXX I WAS SPOKEN TO WITH BY A RECORED NON-PERSON AND WAS ON HOLD AND THEN A RECORDING CAME ON WITH A MAN VOICE THAT STATED THIS CALL IS IN ERROE AND WE WERE DISCONNECTED. I HAVE ALREADY SCANNED AND THIS NOTICE TO MY ATTORNEY. 

THANK YOU XXXX XXXX XXXX
Product: Consumer Loan

I was and still unemployed on XXXX/XXXX/2016 with unemployment income. Took out a loan with the Cash Store in XXXX, WI on XXXX/XXXX/2016 in the amount of {$290.00} with an interest rate of 519.98 % {$540.00} in finance charges.They have been blowing my phone up at least 2 or 3 times a week 3 times in a row. I have not attempted to pay back due to the ridiculous high finance interest rate and I ran out of unemployment income before the loan contract ends what can I do.
Product: Credit reporting or other personal consumer reports

I have had a lot unauthorized inquiries on my credit profile I have reached to the and i was told there is nothing I can do about it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a " XXXX XXXX '' credit card through chase. In exchange for the annual fee, I am supposed to get a free hotel night. I received this benefit in the past. However after the fee at the end of 2021, I did not get this benefit. This appear to be a technical problem, but during my call with XXXX they locked my account and each time I call and explain the problem, they hang up on me. They demand a photo ID with current address though it is not mandatory in Illinois because XXXX are not operating at full capacity and I have provided them with the online address change acknowledgement letter from XXXX as well. While Chase representatives understand the problem, their claim is that they have nothing to do with XXXX, though they charge the fee in return for the services XXXX doesn't provide me.
Product: Checking or savings account

I have over-draft privileges at the Bank of America yet one of my checks was dishonored by a merchant who then charged me {$35.00} for the dishonored check! 

I have repeatedly complained to the Bank of America that it does not honor my overdraft privileges. 

I have repeatedly complained to XXXX XXXX XXXX, Bank of America, XXXX, New Jersey and to his branch manager. 

But still the Bank of America does not abide by my overdraft privileges. 

THEREFORE, I am commencing a lawsuit for {>= $1,000,000} for the severe damage done to my credit standing with that merchant who now refuses to accept any of my checks. 
This lawsuit shall be commenced in both state and Federal court! Plus interest. Plus court costs. Plus the other costs of the litigation. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PS : Complaints shall be filed with Congress, The White House, and the Comptroller of the Currency. And with the XXXX XXXX XXXX XXXX as the Bank of America is listed on it under the stock symbol BAC
Product: Credit card

Citibank NA/Macy 's has a predatory habit of assessing late charges to accounts before the due date. Most recently, my CBNA/Macy 's bill due date was XX/XX/24 and they charged me a {$41.00} late fee on XX/XX/24 despite the fact that I had already made a payment by phone on XX/XX/24. I made several attempts to speak with agents for explanation and to request reversal of the late fee since I made payment by phone on the due date, dated XX/XX/24 however they refuse to reverse late fee.
Product: Checking or savings account

We have been fighting with Chase bank since XXXX of 2024 to recover XXXX that was defrauded from our personal bank account through XXXX transfers. The money was sent to an account of a person that we do not know at XXXX XXXXXXXX XXXX XXXX XXXX XXXX has instructed us to have Chase bank fill out a late return request and they would electronically return the fraudulent funds. Chase bank XXXX department has refused to help us retrieve these funds. We were finally able to get someone in Chases fraud department to fill out the late return request and first premiere bank electronically refunded within a few weeks. Unfortunately XXXX in ach transaction of the XXXX was not paid. Chase banks fraud department again refuses to send in the proper paperwork. Chase banks fraud department is either completely incompetent or is in themselves complicit by refusing to file proper paperwork to retrieve missed ach transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks XXXX XXXX
Product: Checking or savings account

I was a victim of a check-forwarding scam. I received payment in the form of a check ( {$4100.00} ) from a fake employer under the alias of XXXX XXXX ( which I did not know at the time ) and the check was from XXXX XXXX XXXX. I was told I was going to receive equipment for the job as I would be working from home as a freelance graphic designer. He told me to send the check money I deposited through XXXX to the local vendor that would supply me with the equipment, but then I realized it was all a scam after consulting family, and friends and filing a report with my bank Wells Fargo, the FTC, and XXXX. 

On Friday, XX/XX/2022 I received the check and mobile deposited the XXXX dollars amount and I XXXX  XXXX of that money to the vendor ( the person who was fake ) the next day Saturday, XX/XX/2022. 

When the check bounced, my account balance went deep into the negative. I still had a little over XXXX in savings after this happened. Then, Wells Fargo Loss Prevention transferred my entire savings into the negative checking account balance without notifying me prior and now I have no money. My checking is still XXXX dollars. 

After submitting multiple claims with my bank, they said they could not credit the XXXX back to me as they couldn't " verify '' whether I had received the equipment or not, which I didn't. Why would someone send me a fake check and then still send me XXXX dollars in equipment? That doesn't make sense to me. 

I want my saving and my checking to the amount it was before all of this happened. Wells Fargo has done nothing but sideline me and make me feel like I'm the responsible one when I was taken advantage of. I need help with this.