23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FPB Complaint XXXX XXXXXXXX To Whom it May Concern : I am in receipt of your XX/XX/year> response to my CFPB Complaint. 

The transactions in question are direct deposits from my employer for expenses submitted via XXXX XXXX. They are not distributions from an investment account as falsely alleged. 

Please pay the advertised bonus of {$400.00} and waive all monthly fees, fees which would not have been incurred if the promotion had been correctly administered and paid out. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the bank. 


Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Information on credit report was compromise during the Equifaxdata breach Receiving phone calls regarding medical and scammers regarding insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

Do TransUnion credit report showing close after it been removed I requested it to be moving from my XXXX XXXX report Still showing up requested a updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my consumer report has caused me significant stress and anxiety, despite my numerous attempts to address it. These items were not authorized or consented to by me, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This account was affected during the XXXX financial crisis and has been fully resolved. I am working to rebuild my banking relationships and request a second look. It's affecting my ability to open an account with other banks because of what XXXX  XXXX XXXX has in Chex systems even after i fully paid XXXX ago, after pandemic
Product: Credit reporting 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Credit card

While booking a flight with XXXX, I was targeted for a XXXX miles + {$100.00} bonus ( after a minimum spend of {$1000.00} in first 90 days ) for the XXXX Visa Signature card. Seeing the alluring offer and the great bonus that would have reduced the cost of my current purchase, I applied via the online application and got approved after the usual credit check. I proceeded to use my newly approved credit card for my XXXX purchase - and all went smoothly. 
After about an hour of not receiving any email from Bank Of America ( the credit card issuer ) or XXXX congratulating on my approval, I searched the internet about the reviews of the credit card and found a cautionary blog ( XXXX/ ) informing me of the unethical advertising scheme that I just got trapped into. The author writes about his experience of applying for the Visa Signature card ( with XXXX miles + {$100.00} bonus and plenty of frills ) but getting approved for the " Visa Platinum Plus '' card - which is a lower end credit card with NONE of the advertised benefits or bonuses applicable. 
Really wary of this fraudulent marketing, I called up Bank of America reconsideration line and the consumer representative confirmed that I was not approved for the Visa Signature card but for the inferior Visa Platinum Plus card - which has none of the bonuses/benefits that led me to apply for a new card in the first place. The Visa Platinum Plus card does not appear on Bank of America/XXXX websites and there was no way I could have known that I would be getting no benefits at all. 
I am reporting this swindling " bait-and-switch '' marketing plot by Bank of America/XXXX where consumers are lured by high bonuses and embellishments but are not informed that they will be approved for the worthless inferior Visa Platinum Plus card.
Product: Credit card

XX/XX/XXXX Subject : Request to Honor Remittance Coupon as Payment per Federal Consumer Law Dispute Status Dear Capital One Customer Service, I am writing to address an issue regarding my recent payment submission. According to federal Consumer Law and the terms outlined in our agreement, I have the right to utilize the remittance coupon provided for payment. As per my understanding, this method of payment should be honored by Capital One. 

On XX/XX/XXXX, XX/XX/XXXX, and the latest XX/XX/XXXX, I made a payment of {$5000.00} per each remittance and {$2000.00} and {$930.00} using the remittance coupon provided with my statement. The payment was sent to the address specified in the consumer agreement for restrictive endorsements. However, it has come to my attention that this payment method may not have been recognized or processed accordingly. 

Federal consumer protection laws, including 15 U.S. Code 1693o1 - Remittance transfers, clearly stipulate that remittance coupons provided by creditors are considered valid forms of payment. Therefore, it is imperative that Capital One adheres to these federal regulations and recognizes the remittance coupon I submitted as a valid payment. 

I would like to address a discrepancy regarding the status of my account. Despite your statement that my account was closed on [ insert date ], the statements I have received subsequently indicate otherwise. This inconsistency raises concerns about the accuracy and handling of my account information. 

Per our contract, the remittance was sent to the special address stated, and therefore should be processed accordingly. Until this matter is resolved and the remittance coupon payment is properly honored, the payment remains in dispute. It is essential that Capital One acknowledges the dispute status of this payment until it is resolved in accordance with federal consumer law and the terms of our agreement. 

Per federal regulations, I am giving Capital One a period of 10 days from the date of this letter to acknowledge and resolve this issue. Failure to do so may result in further action to ensure my rights as a consumer are upheld. 

Furthermore, I expect my account to remain open and current throughout this dispute process, with any applicable fees waived, and I request that my account balance be adjusted to reflect the submitted payment, including any accrued interest or charges. 

I kindly request that you review my payment submission promptly and ensure that it is processed in accordance with federal consumer law and the terms of our agreement. It is imperative that my payment is acknowledged and credited to my account promptly. 

Please provide confirmation of the receipt and processing of my payment at your earliest convenience. Additionally, if there are any further steps required on my part to ensure proper payment processing, please do not hesitate to inform me. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

WITHOUT PREJUDICE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Equifax is not complying with their own policies in a timely manner. I submitted a dispute via mail 30 days ago on XX/XX/2021 to remove negative and inaccurate items on my credit report and i still have not received a response.
Product: Debt collection

I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX XXXX XXXX and have lived in only two places the last 50 years. XXXX XXXX XXXX XXXX XXXX shores and XXXX XXXX XXXX XXXX  XXXX fl. 
I have not missed a mortgage payment in 50 years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$19000.00} is the company trying collect and take advantage of a elderly person by tricking me on the phone. 


I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS.
Product: Credit card or prepaid card

The following Financial Companies reported late payments to the three reporting credit agencies on my XXXX XXXX, Capital one, and XXXX XXXX XXXX XXXX XXXX  of Maryland Accounts. Before they made the report, I called to negotiate with them that I was going through financial hardship due to a medial XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my medical XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The companies and late payments is as follows : XXXX XXXX XXXX XXXX 60 days late All 3 report Agencies XXXX XXXX 30 days late All 3 report Agencies Capital On XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 60 Days Late All 3 report XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX 30 Days Late All 3 report Agencies XX/XX/XXXX. 60 Days Late All 3 report Agencies XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX  60 days Late All 3 report Agencies
Product: Credit reporting or other personal consumer reports

I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter. 

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health.

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution. 

Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assisstance to remove these accounts in my credit file : 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: Mortgage

On XXXX XXXX 2016 I made a payment of {$3300.00} to Nationstar Mortgage via a bank wire from my account to the account they provided me. I have faxed them my bank statements and a screen shot showing the transaction, which was done in XXXX separate ones the first for {$2500.00} and the next for {$860.00}. I also called my bank and got the transaction confirmation numbers and gave those to Nationstar. Nationstar still has my house in active foreclosure and claim they have not received the payment and are researching the issue. Due to the foreclosure status they will not accept any payments until all the past due amount is paid which is with the {$3300.00} they are not crediting to my account. This is causing me additional late fees not being able to make my current payments. I do n't know how to get the money back or make them credit it even with the proof I have sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from Transunion or XXXX. I also sent in debt validationXXXXand which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report Immediately.
Product: Credit card or prepaid card

My balance transfer convenience check for XXXX due XX/XX/XXXX was charged to my account on XX/XX/XXXX. A 5 percent fee of XXXX was then charged because the loan was otherwise interest free thru XXXX, XXXX. Another promotional offer is on my account where all interest is deferred and interest will be waived if the balance gets paid by XX/XX/XXXX. My account payments and credits were applied to the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. This makes the XXXX 5 percent check fee much too expensive as well as misleading. XXXX, who gave no last name initial, said on XX/XX/XXXX about XXXX XXXX  that my payments could not be re-alloacated to the balance due XX/XX/XXXX. I just authorized another so-called minimum monthly payment which no doubt will reduce the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. XXXX said there is no Supervisor to review my complaint because XXXX is an " Escalation Specialist # 5. '' He said I should have known better than to accept the Balance Transfer Convenience Check that they sent in the mail. The terms say payments are applied to the lowest interest rate first. Since the XX/XX/XXXX loan interest is deferred and subject to full waiver, it makes no difference to them that I am currently paying zero interest on that loan.
Product: Student loan

I have calculated my interest down to the day for how much I am losing. Navient is stealing an extra day every month from me since my loan started. If they are doing this to everyone that is a large sum of money. I calculated the same thing with XXXX and they are not doing the same as Navient. Also if you go through the history of my loans when I just mailed in the amount I was told I owed for the month, they did not allocate my payments correctly. Since they have allowed access online I have not had this issue, as they must apply my payments as I note them. Although the first month I did this 3 years ago they tried to misappropriate my payments again. Which took 3 months to fix. I borrowed less than {$70000.00} and graduated in XX/XX/2007 and I have paid them {$100000.00} and I still owe them {$10000.00}. People that have borrowed from Sallie Mae/Navient please be aware of where your payments are going.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to make sure that my private information is not shared which is backed by the 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 nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Experian, XXXX, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 ''. These accounts are an adverse item they are reporting again without my permission which is against the law.
Product: Money transfer, virtual currency, or money service

I purchased cryptocurrency through Coinbase. They were happy to TAKE my money. Then i sold my cryptocurrency through Coinbase on XX/XX/XXXX. The proceeds from the sale have been in a " pending '' status to this day, XX/XX/XXXX. I submitted a support case and they responded with a less than usefull response and still no release of the proceeds. Oh yeah, my currency is gone so I have neither the currency or the cash. I've tried to call but after being on hold for 20 minutes while not once talking to a human, i hung up. Coinbase is a sham.
Product: Prepaid card

I have been having so many problems with this company. I initially received the very first card to my address then it got lost. I tried to do a replacement on XX/XX/XXXX. They charged me {$5.00} for it be here within XXXX to XXXX days never received it I gave it some time. Then I called them let them know it never got there so they asked to verify the address which everything was correct. They asked if I wanted to order another one which I did on XX/XX/XXXX then they told me that I didnt have to pay anything because I never received it the first time theyre gon na apply those fees to the next card, but I looked at my account. They charged me twice a {$15.00} which it shouldve been there within XXXX to XXXX days Never received it. They said maybe you got sent to the wrong address no, everything was correct so they had me get another one on XX/XX/XXXX which they charged me {$10.00} for they told me that I wasnt gon na have to pay anything. The previous fees are gon na be added to this that I will get it in XXXX days Nothing right so on XX/XX/XXXX they said that I should do my own research to figure it out I let them know that its being sent somewhere because I got an email being alerted that someones trying to access my account with an unknown phone source and they said Im sorry about that. Can I order you another XXXX but we need a different address so I sent it to my brothers address on XX/XX/XXXX. They said I was not gon na get charged for anything well they charge me again {$15.00}. They said it shouldve arrived on XX/XX/XXXX to go double check my mail. Well nothing arrived today is now the XXXX still nothing he asked me do you wan na order it again I told him I will call them back because this is just ridiculous. The beginning of XXXX XX/XX/XXXX when I shouldve received it my rent was due on the third. I was already late. I got slapped with a XXXX day pay or quick notice thats where all my funds were. I could not access my account I had to borrow money which is very embarrassing to go and ask people for money from friends because of the situation. I have a family of XXXX XXXX of them being kids, I almost got a lock on my door because I could barely come up with the money because of this. I tried to explain to them the situation, but because I rent Ive been living in this house since XXXX  and they were still gon na put a lock on my door if I did not come up with the money and all the card company could say was oh Im sorry about that. Let me issue another one when they were supposed to Ive never charged me after the first attempt I even requested it to be XXXX  to my door so I could sign for it and they said they can not do that and I have proof that Im gon na provide you of my eviction.
Product: Credit card

Chase offer for {$20.00} merchant credit back to credit card was activated on XX/XX/XXXX, purchase was made in XX/XX/XXXX with post date of XX/XX/XXXX. I never received my credit so I called Chase and they said the offer shows activated XX/XX/XXXX which is a clear error as the offer was activated XX/XX/XXXX. I have two other Chase credit cards and activated the XXXXXX/XX/XXXX offer for husband a couple days after I got mine. This is unacceptable. This needs to be rectified.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent a letter to us bank, stating and requested to delete utilization off my credit report or XXXX percent utilization.. According to the privacy act 1974. No agency shall disclose ANY records by any means of communication to ANY person by, or with the prior written consent of the individual to whom the records pertains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to Credit Reporting Agencies XXXX, Transunion, and XXXX in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.