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

I recently signed up for a Chase Sapphire Preferred credit card. The promotional offer on Chase 's own website said you receive XXXX   bonus miles by spending {$4000.00} within the first three months and that the annual fee of {$95.00} would be waived in the first year. However, about a month after I opened my account, I was charged the annual fee of {$95.00}. When I called, they said it was because only one offer was applied and not all offers are available at the same time. I find their advertising false and misleading, because it does not state that only one of the offers will be applied. They refused to waive the {$95.00} fee, even though that is what was advertised to me when I applied for the card ( and what is still advertised now ). The website needs to reflect the actual promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} Equifax XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$980.00}
Product: Checking or savings account

I am the victim of a scam. I received XXXX checks totaling {$7500.00}, which I deposited into My Huntington Bank checking account. I was instructed by the " representative '' to make withdrawals and purchase gift cards and a whole series of steps to follow to have advertising placed on my vehicle. By the time I realized it was a scam, I had already made the withdrawals on the first check that I deposited. Four days later the bank reversed the deposit, saying the check didn't clear. The bank then reversed the second deposit. I am now more than {$3000.00} in the red as my SSA deposit has been taken as a result. I have made complaints about both scams to the FTC and they told me to contact cfpb because the bank had a responsibility to make sure the checks were good before allowing any withdrawals of the funds. Huntington Bank tells me that it is normal for deposits to be accessible before the check actually clears the process. In all of my XXXX  years, I have never known this to be true! 

I have since closed my checking account and opened a new one with Huntington, but if I continue to use direct deposit for my Social Security, it will be taken for the negative balance. I will now have to go to a different bank and open an account to have my SS deposited. 

I feel that Huntington should have some responsibility here for allowing the funds to be withdrawn too soon. Please review and advise. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

ON XXXX CREDIT CONTROL SERVICES INC. DBA CREDIT COLLECTION SERVICES INC. CALLED ME TO MY PHONE NUMBER XXXX AND FAILED TO GIVE ME THEIR LEGAL NAME. IT IS UNDISPUTED A DEBT COLLECTOR MUST GIVE OUT THEIR LEGAL NAME WHEN REQUESTED FROM THE CONSUMER RECEIVING SUCH COLLECTION CALLS. THEY WERE DECEPTIVE AND MISLEADING WHEN THEY FAILED TO GIVE ME THEIR ENTITY 'S LEGAL NAME WHEN THEY ATTEMPTED TO COLLECT A DEBT IN THE PHONE CALL THEY PLACED TO ME. I DISPUTE THIS DEBT AND DEMAND THEY INVESTIGATE MY DISPUTE AND SEND ME RESULTS OF THE DISPUTE WITHIN 30 DAYS ARE REQUIRED BY TFC 392.302 ( E ).
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I created an account with Western Union in order to transfer money overseas. After setting up my account I was approved for a {$10000.00} money transfer. Before my account was fully activated they said they would allow 1 wire transfer. 

On XX/XX/XXXX, I go into my bank wire a total of {$4400.00} into the bank account given by Western Union via email. 
On the same day after the money transfer I call western union to confirm the transfer and activation of my account, they said to call back tomorrow if I don't get an email confirming by tomorrow. 

On XX/XX/XXXX, I called back Western Union because, I did not see a confirmation email and after giving all my account information, full name, date of birth, mothers maiden name they tell me my account has be canceled from the " higher-ups. '' Without reason why, they wouldn't transfer me to a supervisor. They didn't offer me a refund. He said, there's nothing I can do and terminated the call. 

So now, I am out {$4400.00} for a service western union failed to provide.
Product: Debt collection

I called Capitol One and said stated the card was stolen and had filed a police report when it was stolen. They said they would open an investigation. They have continued mailed me billings and I call every month and they just give me the run around. I have asked for a copy of the tape from the ATM ( they have never said where this happened ). They said it was a cash withdrawal. I all the years I have had they credit card I have never done an ATM withdrawal. They also said they had a copy of a recording of a woman that called in and verified all my information. I have asked for that recording and still to this day, XX/XX/2019 they have not produced the reporting either. 

Now reporting the card past due on my credit report and it is still under fraud investigation. 

I have closed my account with them and they can't get it right. 

I have called again on Friday, XX/XX/2019 and they stated they would contact me the same day. Today is Monday and I had to contact Capital one again since they still have not called back. 

Capital One needs to be looked into for unfair collection practices and not investigating fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, a surprise adverse account was furnished to the credit bureaus ( XXXX XXXX and Transunion XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

I was to recieve my overpayment check of {$5100.00} back in XXXX. Mr. cooper never informed me they would even be issuing me my overpayment and I discovered this overpayment myself. After I called to inquiry they informed the check was sent in XXXX. This was never received. I requested to have a new check reissued and was told that I would receive it in XXXX days. That was never received. I called well after day XXXX and was told it was in mailed XX/XX/XXXX and to keep waiting. I still never received the check. I called today XX/XX/XXXX and was told the check hadnt been reissued and the reissue was declined do to a timing issue. When I asked what this meant, XXXX, told me it meant the request was made during a time when they werent sending checks out that day? Ive never heard of anything like this. I would just like to receive my overpayment back. I asked how can I be sure id receive my check this time and was told just keep calling back and wait another XXXX days. 
This company is purposely trying to keep my money and by the looks of the other complaints online, Im not the only person. I would like to get my money back immediately.
Product: Credit card or prepaid card

On XX/XX/2022 a fraudulent transaction of {$1100.00} was done with my Bank of America Travel Rewards Visa Credit Card. It was done with a merchant named XXXX. On XX/XX/2022, while the charge was still processing I disputed this charge with Bank of America stating how the transaction is fraudulent and I have not made this purchase. They succeeded in going through the procedure of taking it off my statement while it was being reviewed. However, at the end they believed I made a statement saying that the charges were valid, which did not happen. Based on transaction statements, purchasing power from this card, and history of the credit card, it is quite easy to determine how this was a fraudulent purchase.
Product: Money transfer, virtual currency, or money service

XXXX XXXX has made additional credit cards and even changed ny mail and made false business in my identity and forged checks they have used wells Fargo student loans and many more. None of the prepaid XXXX XXXX wells Fargo, XXXX, XXXX cards are mines there are multiple other online accounts mobile wallet accounts in my name and social that all needs to be turned off.her and XXXX XXXX are scaming and in an credit card ring. Using multiple identify and she XXXX XXXX is an XXXX XXXX XXXX who has been transparency screens to fool you and the system. I want every card turned off and investigated. 
XXXX XXXX XXXX, XXXX, I am not in school and do not have an XXXX number. I also have been living under XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX since XXXX my apartment currently address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX. Please investigate every transaction and atm withdrawal and ach transaction. Please send findings to Detective XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting Personal information incorrect address 2 wrong from XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX not mine, XXXXXXXX XXXXXXXX XXXX  XXXX Not mine, a phone number never attached to me XXXX Account status incorrect showing delinquent when its not ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX not reporting accurate XX/XX/XXXX & XX/XX/XXXX shoes repo status and was not, balance always reporting inaccurate and different no monthly term, no monthly payment amount, missing info XXXX ) Account information incorrect the payment amounts and loan balance ( first access showing past due and not, incomplete payment history XXXX, XXXX  XXXX account paid off XX/XX/XXXX, incomplete information, XXXX XXXX paid off and account and XXXX XXXX in hood standing incomplete remarks XXXX XXXX  charge off XXXX Never opened an account reporting {$0.00} per month term but a charge off of {$2800.00} Hard inquires on my credit report that I did not authorize and asked to be removed XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX
Product: Debt collection

I received a letter from the court stating that my case was appointed to a receiver, XXXX XXXX XXXX, XXXX, however, I have been trying to contact their office to obtain the necessary information to be able to fulfill my duty but they never respond. I have tried calling, leaving voice messages, and emailing for months with no success. The last time I called, I was able to talk to an agent that answer court calls. I explained my situation and he placed me on hold to " transfer me to the correct department ''. After a long wait, someone finally responded to my call, however, to my surprise, I was actually connected with another client that had been trying to get in touch with them for a long time as well. I noticed after she immediately started explaining her situation and I had to stop her before she started sharing her personal information. This was extremely frustrating and unprofessional to say the least. 

I decided to research their XXXX XXXX, and I was not surprised to find that they are awful and a lot of people have had similar situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Retail Merchants for {$1000.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Retail Merchants did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX  reported the debt was verified at the previous amount. Of {$1000.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Product: Credit card

In XX/XX/year> someone applied for a credit card in my name and I immediately contacted Capital One for them to close the account and send me a report that the investigation was conclusive and the results.
Product: Credit card or prepaid card

Someone keeps trying to use my identity to apply for a credit card. I keep getting emails from Bank of America stating that I have been denied for a credit card but I have not applied for a credit card.
Product: Student loan

I got a student loan when I went to XXXX College in XXXX. The loan company was Genesis Lending Services and it was for a little over {$3000.00}. I ended up dropping out of the school due to it not being the right fit. I started paying off the loan in XXXX XXXX. I have had nothing but problems from this company. First they charged me late fees every month, and I had to call to make the problem corrected, then I applied for a line of credit through my previous bank and I did n't get it due to lack of credit history, which is okay but they told me my student loan was not reporting to my score or anything. So I called the company in XXXX XXXX and they said it takes a while, give it a couple more months and it will be on there. Well I gave up and decided to wait. I recently called XXXX XXXX and they STILL are not reporting. They said it 's a flaw with the specific loan I have, and they are working on fixing it. But it has been almost 2 years, and I should have been fixed by now. Them not reporting is messing with my credit and making my score not what it should be. They also mentioned my loan is being taken over by another company, and when I asked if I would be getting notified about this, she said only if I called and asked for a pamphlet or a letter. This transfer is something I should know about long before it happens. The loan transfer is happening XXXX XXXX, and I heard about it less than a month before it happens. This company is shady. I would like the student loan I 've been paying on for almost 2 year to be on my credit report so my score will go up and I can start life without having to have a consigner on everything!
Product: Credit card or prepaid card

I have an email I can send regarding a promotional offer Capital One said was exclusively for me for being a valued customer. It reads : " Your loyalty hasn't gone unnoticed XXXX. We've added {$100.00} to your bonus offer! You can now earn a one time {$300.00} bonus offer once you spend {$500.00} on purchases within 3 months from account opening. '' ( I have to send a screenshot, but I saved the emali I can also sendl ) I fulfilled my part but more than 3 months since I've applied, they have not fulfilled their part. I called and probably spent over an hour and a half after 3 calls. 
I would've never applied for the card except for this offer. These credit card companies should be punished for this fraudulent advertising.
Product: Credit reporting or other personal consumer reports

I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), Metro 2 compliance standards, and Fair Credit Reporting Act ( FCRA ) for the following disputed accounts : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX ( Account # XXXX - XXXX Account ) XXXX XXXX ( Account # XXXX - XXXX Account ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) I dispute the accuracy and validity of these accounts and request full verification before any further collection or reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself and XXXX.
Product: Debt collection

THIS WILL BE THE 2ND REQUEST VIA WRITING TO CEASE AND DESIST ALL COLLECTION EFFORTS AGAINST ME. I DO NOT OWE XXXX ANY MONIES AS THIS ACCOUNT IS NOT MINE AND WAS OPENED UP WITHOUT MY KNOWLEDGE. I HAVE REQUESTED INVOICE COPIES AS WELL AS ANY INFORMATION REGARDING THIS ACCOUNT THAT WOULD BE HELPFUL IN THE PROCESUCTION OF THE PERSON THAT OPENED IT. TO XXXX XXXX XXXXXXXX, THIS INFORMATION REQUESTED MUST BE RECEIVED. I DO NOT WANT ANY OFFERS TO PAY 50 PERCENT OF A DEBT THAT I DID NOT INCUR. I WILL BE CONTACTING THE POLICE.
Product: Checking or savings account

On XX/XX/2021 me and my son went to Bank of America to deposit two checks into my account. After depositing the checks, we went home. As the days went by, I was able to pay my bills and use the funds that were in my account. The next day, while at work, I was trying to purchase something to eat for breakfast. I noticed that my card was declined several times. I was having difficulties making any transactions, even with paying another bill. So I decided to go to Bank of America to see what was going on. 
We spoke with a representative. They said that something was wrong with the check and that they were gon na hold onto the check for further investigation. The account was then closed. They told us to call them back after 30 days for an update. I told them that I had deposited two checks ; one from XXXX XXXX from my deceased husband retirement funds and the other was from XXXX XXXX. They told me that this process would take up to 90 days and to call back after 90 days. I called back after 90 days to get a update on the situation. They told me to contact XXXX XXXX and tell them to call Bank of America to prove that the correct amount on the check. I then contacted XXXX XXXX and told them what the issue was. Then after talking to a spokesperson from XXXX, I got right back on the phone with Bank of America again to let them know that it was the correct amount on the check. Bank of America told me I had to get on the phone with XXXX XXXX and they have to get in contact with Bank of America. After proving that the amount was correct, Bank of America spokesperson told the rep at XXXX XXXX that they were going to release the funds within 7 days by mail. Its now XX/XX/2021, which makes it 7 months since they've held onto my funds and have not called or mailed anything to me concerning this issue.
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit card or prepaid card

On XXXX18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my XXXX XXXX XXXX XXXX  account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available.
Product: Credit card

I was told by citibank for my BestBuy card that interest is calculated on a deferred interest purchase at compounded daily making the deferred interest 80 % of my purchase price. They offered me a 2 month extension, sent no proof of this agreement, and for some reason sent me a form letter denying to adjust my credit report which I did not need or ask for.
Product: Credit card

I have a credit card with Citibank Visa and I submitted a dispute on a charge. There is a dispute center on their website and a message center. However, when they put very important documents out on the website for me to read, XXXX of these XXXX logical places to retrieve this information were used. They hide the documents so that I wo n't be able to locate them in order to short-cut the dispute process and not assist me in settling the dispute with the company. I feel this is deceptive and does not provide the cardholder logical and reasonable means to address items that need to be completed in order to respond in the dispute process.