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

Last XXXX ( 2022 ) I traveled to XXXX, and prior to traveling applied for and received an American Express Delta Skymiles card. The offer came with and offer of XXXX miles after purchases over a period of time. I actually canceled the card 29 days after opening the account and never received the bonus miles. 

In the next several months, I continued to receive mail from AMEX offering the XXXX miles deal. In late XX/XX/2022 I decided to re-apply, and after spending the required amount within the time period, I did not see the XXXX miles added to my Delta account. 

When I called AMEX about this, they stated that the XXXX bonus miles are a once in a lifetime offer. 

It seemed very disingenuous of AMEX to continue to send me offers for the card when, in fact, I did not qualify for the offer. 

Reading through the very fine print of the offer online ( now reduced to XXXX miles ), clearly this information is buried and not immediately visible. There is a very small font " Offer and Benefit Terms '' shown just above the 'Apply Now ' button. Here is the language in that link : " You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' The part that is concerning to me is the fact that the final line, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' was not done, as I received no notification of this fact prior to receiving account approval.

The company was at fault for not notifying me that I was not eligible for the offer, so I applied in good faith. After numerous phone calls and letters, AMEX refuses to honor my request to reinstate the XXXX miles I earned, and would not acknowledge the fact that they failed to contact me about not being eligible for their special offer.
Product: Checking or savings account

My bank account through a debit card on my business was used to make unauthorized purchases. I contacted the bank and was told that a claim will be started and I would hear something within 10 days. I do not have much money in my small business so this hurts very badly. The biggest problem is that the cord that was used to make an authorized purchases was a backup card that has never been used anywhere. Which means that it was hacked at the bank. I'm trying to get an answer why this happened and how this card was used unauthorized but I keep getting the runaround and nobody could tell me anything because there are no higher upset Citizens Bank. I have had my personal accounts and business accounts with them for over 5 years. And as I said this cord has never been used it was a backup cord with completely different numbers. I just can't understand how someone got this information if only myself and Citizens Bank has this information. They shut the cord down and I told them I was keeping the card as proof that the card was never used. They could give me no answers in my account still remaining the negative. I have no money at all to operate or pay my bills. It is not much money under {$1000.00} but I do not make much money. Right now I want to know how they got the information. The card was never ever used not even for a cup of coffee. And if I didn't give the numbers to somebody then they had to get them from citizens but nobody seems to want to answer that question. It just doesn't seem to be that important to this Bank. I can't find any higher ups. I went to the bank I've called her XXXX for what numbers I've tried everything and I am not getting any solutions. To change the account and close it down is such a time consuming process with all of the payments we make I have to wipe everything out and wait for checks that I write every month but I will not have until I ordered checks from a new bank. I just want to know how they got my information and I want my money back and I'm not getting it any type of help. Please help me I am XXXX XXXX XXXX and this caused XXXX that I almost went to the hospital last night. This is not an exaggeration either. Right now it is XXXX in the morning and I can't sleep I'm so worried. Once again please help me
Product: Debt collection

THIS ACCOUNT IS A DIRECT RESULT OF IDENTITY THEFT. THIS DEBT COLLECTION COMPANY IS ILLEGALLY TRYING TO COLLECT THIS DEBT. I HAVE NEVER OWNED THIS DEBT AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.
Product: Checking or savings account

On XX/XX/year> I attempted to withdraw {$400.00} from a XXXX ATM in XXXX. The ATM did not dispense my cash. A cash dispense error popped up in the screen saying my transaction would be cancelled. The money was deducted from my account but no dispensed. I took a picture of the error screen and the ATM ID number. XXXX told me to contact XXXX. I did. They placed me on hold and contacted their third party atm vendor who was able to see there was indeed an error and my cash was not dispensed. They told me to contact my bank and they should give me my money back with tho issue and they created a report so that when they were contacted they could validate that it was indeed their atm that was the issue. Cash app has refused to give me money back or contact XXXX. I have sent proof and XXXX is willing to validate. They told me 45 days. Then sent an email saying 7 days and still nothing. I am out {$400.00} and getting a run around.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been placed on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report immediately.

Below is a list of the fraudulent accounts and inquiries that I am requesting to be blocked and deleted : Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$690.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$550.00} XXXXXXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX has been reporting a charge off on my credit report which has an adverse affect on my life because it is making it difficult for me to acquire future credit. XXXX and XXXX has removed the account from the report but XXXX hasn't complied. According to the Fair Credit Reporting Act XXXX XXXX section XXXX a states '' There is a need to insure that consumer reporting agencies exercise their graveresponsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE is a financial institution by definition under that title. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. CAPITAL ONE is a financial institution by definition under that title.
Product: Checking or savings account

Bank of America-I have everything set up on my account to be notified of any type of fraudulent activity, text/call/email. On XX/XX/XXXX {$1400.00} was deposited into my account. I called the fraud department on XX/XX/XXXX when I noticed it in my account because that deposit was not made by us. I specifically said to the representative that I felt I should come in to get a new bank account because someone clearly has access to my account and was told NOT TO. Friday XX/XX/XXXX Bank of America deducted {$7200.00} from my account with no notification or authorization. Apparently due to fraud someone now tried to deposit checks for {$3400.00} and {$3800.00}. They did catch that they were fraudulent checks and the money was not deposited BUT they still deducted that amount from my bank account. BOTH representatives that I spoke to said the money was not deposited and they dont know why it was deducted but they cant put the money back in my account until a fraud investigation is done. NO MONEY WAS DEPOSITED. Bank of America TOOK MY MONEY AND WONT GIVE IT BACK. It should NEVER have been allowed to happen especially since a day prior I was told by your fraud representative not to change my back account. Maybe this fraud is happening internally at Bank of America. And again I was never notified any Type of fraud was happening to my account. No text or email. This should have never happened. And of course they will not give me a date of when they will refund MY MONEY.
Product: Credit card

I contacted Citi Card Service about my payments and my balance. I have stopped using there card XXXX months ago and have been trying to pay the card off and noticed that my account was never going down, but going higher or stays the same. I contacted Citi on XX/XX/year> and the customer service rep expressed how the only way to stop the interest was to pay the complete balance. I believe that's ludicris. I pay more on my bill than the minimum, but due to them continuously adding this anormous amount of interest even after I had them discontinue the service. There is no way I will be able to pay what my balance is at this point. I will actually be paying them XXXX what I owe them and I will never be able to pay the card off. I believe Citi is doing bad business and I missed last months payment because of the interest that I've been charged lately. I have been oweing {$3000.00} dollars after every payment and that is not being consumer friendly at all. I will pay my payments when they stop the interest charges and take off what has accumulated in the last XXXX months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Commerce Bank, has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end consumer loan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax Credit Report, a derogatory mark is listed for " XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XX/XX/XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XX/XX/XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XX/XX/XXXX. That seems particularly fraudulent and as if XXXX is trying to get around the previous removal of the debt from my credit report.
Product: Debt collection

I disputed this collection account with all three credit bureaus multiple times the latest date being XX/X/2017. I have a collection account for the amount of {$180.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.  Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
Product: Checking or savings account

I have a wells Fargo business checking account that I opened and put aside {$5700.00} for backup funds. It is backup fund so I don't touch it. I don't have checks, use the atm, nor online account to that account. This summer in XXXX there were ACH funds transferred from that account to a XXXX  XXXX  account. It started on XX/XX/XXXX. I didn't realize the money was taken out via ACH by someone when I looked at the statements. This is not my main checking account so I don't have checks nor an online access. I also got no notification from Wells Fargo about suspicious activities. 

I went in XXXX to Wells Fargo to inquire about the fees charged to my account. 
When I went in to Wells Fargo that is when I realized someone had managed to get access to my checking account and transferred {$5400.00} out. The teller printed out my transactions from XX/XX/XXXX and asked me to call the fraud line. I spoke the fraud personnel reported the incident XX/XX/XXXX and filed a police report that day. 

There were XXXX transferred by the same person made from XX/XX/XXXX to last XXXX XX/XX/XXXX. It all went to the same horse gambling website. I called the website and they actually were able to identified the account holder. However, they would not release the information to me. I went to file a police report. 

I got a letter from wells forgo fraud department on XX/XX/XXXX stating {$3700.00} was not able to reimburse because too much time had passed. I called them inquiring where the {$3700.00} came from, and it turned out they got the amount wrong so a second investigation was initiated. The letter came back XX/XX/XXXX stating {$5400.00} was charged to by account and not reimbursable because too much time passed since I notified them. 

I am filing a complaint with CFPB because I felt Wells Fargo had failed to protection me financially. They had failed to notify me of suspicious activities. They had exposed my checking account. When I filed the report to them, their investigation was basically that 30 days had passed since this happened and they are not liable. 

I am saving this money for backup reserve for my business. I had no atm, checks, nor online account ( until I opened one recently ). I personally feel unjustified that they claim no responsibility to this. As far as I am concerned they failed their duty to protect my checking account and notify me of suspicious activities. At one point three transferred were made on the same day over XXXX XXXX dollars, but no notifications. 

This account is not my main business account so I do not check it regularly as there is no deposits nor outgoing payments so yes I did catch the fraud late. However, there has to be an exception to the 30 days rule if I wasn't even aware of this rule nor was I made aware Wells Fargo do not notify me of any suspicious account activities.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX Equifax and XXXX  for number of years letting them know that they're incorrect information on my account and they refuse to remove it I'm going through identity theft I submitted a police report and sent it to them like they requested they never follow back up with me about anything I have people in Arkansas and Texas using my information I'm a former Foster you that I guess that's how my information got out but they're doing nothing to assist me they ame. There are a number of accounts with inaccurate information that do not belong to me that should be removed negatively impacted my credit
Product: Debt collection

On XX/XX/2019 i received notification via email that there was a collection debt added to my credit report. XXXX XXXX  is stating that I woe a bill for a address I never lived at. they are stating that i opened this account on XX/XX/2019. This is impossible because I have had XXXX XXXX XXXX XXXX XXXX  account for 2 years and the address they are stating I have never lived there. I have spoken to the original credit multiple times and they keep selling the account to different collection agency under false pretensing. i want this removed from my account because as of today they refuse to send me proof that its my account under my social security number. As of today no one from the company has provided proof of this contract that I signed for a bill that doesn't belong to me. they have messed up my credit because of this