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

Earlier this year, Capital One sent me a bonus promotional offer to open a 360 Savings Account. They offered new customers a {$500.00} bonus for maintaining {$50000.00} or more in a online savings account for 90 days. According to Capital One 's promotion, the {$500.00} bonus would be paid within 60 days after all requirements were met. 

I opened a new 360 Savings account on XX/XX/20. A deposit of {$50000.00} was credited to the account from another institution on XX/XX/20. This was within the " Initial Funding Period '' mandate dictated in the small print ( within 10 days of opening the account ). My balance was kept at {$50000.00} or more for over 90 days from the time of my deposit. 
On XX/XX/20, I shifted my account balance to another external high-interest savings account ( more than what CapOne was offering at the time ). Again, this was more than 90 days after my deposit was completed on XX/XX/20. 

I called Capital One on XX/XX/20 to check on the status of the bonus, which was the 60th day after all requirements were met. Capital One is now saying that I did not keep my balance at {$50000.00} or more for 90 days XXXX even though I did XXXX. They are stating that the " Initial Funding Period '' began on XX/XX/20, but no where in the promotional offer does it state, disclose, or clarify WHEN & HOW the " Initial Funding Period '' begins or ends. The bank 's advertising and small print does not state or disclose that the Initial Funding Period continues even if you make a deposit a day or two after opening the account. I made a deposit as soon as I opened the account. The 90-day requirement should have started the day ( or the day after ) my deposit was completed. 
How would a customer CLEARLY know and understand that the 90-day " clock '' began ticking AFTER the 10th day of the " Initial Funding Period? '' How is this explained and disclosed to the average U.S. consumer? Based on their disclosure, I was led to believe that the " Initial Funding Period began as soon as the bank received my {$50000.00} deposit XXXX XX/XX/20 XXXX. No where in the bank 's small print does it state when/how the 90-day mandate begins after the initial 10 days of opening the account. This was intentionally vague to mislead the customer. Based on what the bank is now saying, it's actually MORE THAN 90 DAYS, which is extremely misleading to the average consumer. 

I would not be filing this complaint had Capital One clearly stated & disclosed that the 90-day period began AFTER the first 10 days ( and not the deposit date ). Shame on Capital One for not spelling this out to consumers. Not only is this bait & switch, but I considered it be fraud and negligence. 
I will be filing a Small Claims suit if Capital One does not pay out this {$500.00} bonus. 
I am disappointed in Capital One for knowingly misleading customers.
Product: Checking or savings account

For months I contacted bank regarding NSF fees hitting repeatedly account and their allocation of funds available and when they post creating this domino effect and they said they would look into it, than no one called or emailed back, call again nothing, than they come out with no more fees and than follow up and tell me too old to reimburse! I stopped using account and they just closed me for no activity.
Product: Checking or savings account

Chase denied my claim for a ach reversal for XXXX  for XXXX. My XXXX  account was hacked and a ach of XXXX was summited. Chase denied my claim because I used XXXX! OF course I use XXXX until it got hacked I didnt authorize the charge to go through at all I summited everything in a timely matter. Chase is not honoring there 0 % liability for fraud. I already gathered more than XXXX people on XXXX having the same issue/ chase denying these claims. I would like to solve this with chase and not make these public. If I cant get my money back I will be taking them to court including all the XXXX people I gathered. And I will be sending these to all news outlet in the XXXX. Im tired of chase doing this to people! And also the employe I was on a call with was extremely rude acused me of XXXX  at them. But all I really did was say OMG because I was frustrated with the situation and I said I didnt curse at you but he said I cursed at him and he not dealing with me and rudely hung up on me. I also have the whole recording and I will be publishing that too if Im not helped!
Product: Credit card or prepaid card

I am a Chase XXXX XXXX XXXX credit card holder, and the card comes with an annual Marriott XXXX XXXX for up to XXXX each year. I just paid the credit card annual fee of {$450.00} at XX/XX/2022. I am receiving both emails and mail from Chase that the XXXX XXXX card has come with an upgraded XXXX certificate to up to XXXX Marriott points on XX/XX/XXXX. Since I just paid my card annual fee but I only receive the XXXX certificate, which is not fair. I have contacted Chase customer support to see if I can be replaced for the XXXX XXXX certificate but got denied. Due to the both email and mail advertisement of the upgraded benefit, I think I should entitle the new XXXX XXXX  certificate since I just paid my annual fee, and the advertisement letter chase sent has misleading information and not mention the exact date the new benefit will start to apply, which from my understanding it starts from this year after I paid my annual fee, which I just paid this month.
Product: Checking or savings account

Please help me, someone stole my debit card that I just received from TD bank and they closed my account as a result for suspicious activity. I have never had anything quite like this happen to me in my whole life. Someone stole my information and racked up a bill of over XXXX. I have been banking with XXXX XXXX for over 15 years so that is my proof that I didnt do this. Please look at my history. I understand that TD bank doesnt believe me but honestly why would I set up an account and overdraft it when I specifically asked for the account that couldnt receive overdrafts. This person has ruined my name and I dont think its right to punish me when I was the one who called it in as stolen. I am a hard working American and I didnt accumulate those charges so I dont know where to turn because they are not listening to me. Please help if you can.
Product: Debt collection

I get at least XXXX calls per a day from portfolio recovery services. Sometimes they create static on the phone call when I answer that hurts my ear. They never let me ask any questions, if I start to ask a question they hang up. I want them to stop calling me and only contact me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

APPLIED FOR A PERSONAL LOAN ON XX/XX/2013. I WAS A MEMEBER OF THE XXXX. RECEIVED A CALL STATING I WAS APPROVED FOR XXXX UNSECURED LOAN. AT THE SAME TIME I HAD LENDING CLUB WHICH FOUND OUT LATER IS LIKE A MONOPOLY OF FINANCIAL INSTITITIONS ON THE WEBSITE SCAMING CONSUMERS. I WENT IN AND WHEN THEY DFOUND OUT I HAD XXXX MORE PAYMENT LEFT TO PAY OFF MY CAR SHE INCREASED THE PERSONLA LOAN TO XXXX. SHE OFFERED AS A GOOD GESTURE TO TAKE MONEY OUT OF MY LOAN ANDD SENT XXXX A CHECK SO I DID NOT HAVE TO DEAL WITH IT. AT NO TIME DID SSHE SAY SHE WAS GOING TO USE MY CAR AS COLLATERAL. I NEVER RECEIVED MY PAPERS THE DAY I SIGNED THEM. I WAS TOLD IT WAS AGAINST THE CO POLICY. I PURCHASED UNEMPLOYMENT INSURANCE BUT WAIVED LIFE INS. LATER ABOUT XXXX DAYS I NOTICED THAT THEY WERE THE LIEN HOLDER. I EMAILED XXXX TIMES. NO RESPONSE. I FILED COMPLAIN WITH XXXX, CONSUMER PROTECTION BUREAU. ALL HAVE BEEN IGNORED BY THE COMPANY. THEY CLAIMED THEY DID NOT KNOW I WAS A XXXX. WHEN I FINALLY RECEIVED PARTIAL PAPERWORK COPY OF MY MILITARY ID WAS IN THERE. ALL APPLICATIONS WERE BLANK. MY DMV PAPERWWORK WERE BLANK. IT WAS LIKE I WAS ORDERED FORMS. I AM PAYING OFF A XXXX LOAN. THE ORIGINAL WAS XXXX MY ANNUAL PERCENTAGE IS 33 %. THEY HAD THIS IN MY CREDIT REPORT UNDER A CAR LOAN WHICH ATER MONTHS OF SCREAMING THE DI CHANGE TO PERSONAL LOAN. PLEASE HELP ME OR STEER ME IN A DIRECTION SO I CAN GET JUSTICE. I AM NO LONGER TO THE MARINE BELOW. AT THE TIME I WAS LEGALLY MARIED. I AM NOW REMARRIED AND I AM ALKSO A XXXX NOW
Product: Prepaid card

was issued American Express ( AMEX ) gift cards over the past XXXX years. Each of these cards was not needed at the time, but now I wish to spend the money and find that all transactions using these cards are declined. Neither online spending, adding to wallet app on phone devices works. XXXX, XXXX, XXXX and XXXX XXXX have declined all requests to use these cards as payment.
Product: Money transfer, virtual currency, or money service

Hi XXXX, I don't know what is the basis of the decision but I only submitted the documents for the restoration of my account from being temporarily restricted, the decision was to deactivate my account. I always follow the terms and policies of XXXX in order not to get banned here. But still XXXX decided to permanently ban my account. This was very unfair for me. 

Please review my account and reconsider it, Reference ID : XXXX, I can guarantee that I am not doing such fraud activity. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

y name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Product: Debt collection

This complaint is regarding Franklin Collection Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS XXXX : XXXX Toll-Free : XXXX Client Services : XXXX Disputes : XXXX One Date : XX/XX/XXXX I sent an email to FRANKLIN COLLECTION SV at XXXX to address my concerns. The email read " I spoke with XXXX ext XXXX and he advised me to email you all that this debt is nonexistent and I do not owe your company or XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with a rep who informed me that I did not owe XXXX XXXX XXXX  anything. All accounts in my social were paid in full as of XX/XX/XXXX. That means your company is reporting inaccurate and misleading information on my credit report which caused my credit score to go down. Im in the middle of purchasing a house. That is an FDCPA violation and I will be filing a complaint. Please remove this account off of my credit report as soon as possible. If its not removed within the next 7 days I will move forward with an attorney '' Today is XX/XX/XXXX and the company has yet to remove this debt from my credit report. Instead, they have updated XXXX  and XXXX to say paid as if I paid the collection company themselves. I have never done business with this company and have written several letters asking for validation and verification that 1. I owe this company and 2. that I have ever done business with them. On XXXX, the collection is reporting unpaid so the information between the 3 bureaus is not even the same. This company is causing me a major financial hardship for I am trying to close on my home and can not due to the negative, inaccurate and misleading information they are reporting. I want the information removed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report inaccurate information on my consumer report. There are is information reporting that is preventing me from obtaining housing and my calls to these companies have went unanswered. The account listed as XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX are reporting incorrectly and do not belong on my consumer file. Delete the information or cease gathering any information on me without my consent.
Product: Mortgage

Loan was with XXXX XXXX XXXX transferred to Nationstar now Mr Cooper, have letter dated XXXX-XXXX-12 for balance reduction before transferred while with XXXX XXXX XXXX, have sent letter so many times showing proof!
Product: Vehicle loan or lease

In and around XX/XX/XXXX, my auto insurance company issued a check to my wife to be used by her to repair her vehicle ( XXXX XXXX XXXX ). However the check was issued to the names USAA Savings Bank & XXXX XXXX. She learned at a local XXXX XXXX that the check needed to be endorsed by USAA first, since they were first on the recipient line. Since my wife had already endorsed it, it was null and void. We contacted our auto insurance XXXX to ask for a new check, this time to be mailed directly to USAA. Prior to this call, we reached out to USAA to ask who we would send this check to. We were given the XXXX XXXX address ( Cash - XXXX Analyst ). 

Also in XXXX I had reapplied for a refinance loan on the very same vehicle. On XX/XX/XXXX, there was a principal payment made to the car loan, equivalent to the amount of the check my wife was issued to be used for her car repairs, {$8100.00}. Since this period I've called over 10 times, spoken to over 25 different representatives on how to receive this refund so that we can repair our vehicle. Each call I was told it was in progress with a date stamped, coincidentally on the day I called. But I could never get any further information. I asked to speak to managers but were told they don't have any direct contact lines.

This evening I called once again and learned from the USAA rep that this entire ordeal has been handled incorrectly and that our XXXX XXXX XXXX should've have never issued the check with USAA as one of the recipients. This has really frustrated me as I feel I should've been told this on the initial call when I inquired about who, in USAA, to send the check to. 

Also, I feel the notes that this check was to have been used for repairs should have been a clear indicator that this check should not have been used as a principal payment. 

Because of this we re having to wait almost two months and what will be longer ... .without any transparency in the process and also still with a vehicle that requires repairs.
Product: Student loan

XXXX purchased my public student loan in XXXX. Since then, I was poorly advised to file for forbearance over and over and over again. I could have made smaller payments but they inaccurately advised me to continue my forbearance. Now, under the new waiver, I would have qualified for public service loan forgiveness as I have been a teacher for several years since graduating in XXXX! This is a major issue that is effecting thousands of borrowers. We are doing everything in our power to make our lives all that they can be to take care of ourselves and our families and companies like XXXX do not hesitate to take advantage of anyone they can! Its absolutely sickening that so many people have been dealing with debilitating circumstances because of crooks like XXXX! People deserve to be able to live their lives, not be put into situations to literally limit their livelihoods! Most people I know have a student loan story and some aspect of their life has been negatively effected, as in purchasing a car or home, or acquiring credit. The Department of Education is responsible for overseeing this circus that student loan management has become. I hope for humanitys sake someone helps all of us who have been wrongly persuaded into forbearance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have tried to get this issue resolved on multiple occasions, but got no help! This has affected my life in such a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with VW which was paid off by the Dealer in XX/XX/XXXX-XX/XX/XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies.

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted XXXX over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result XXXX updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show VW Credit as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and VW incorrectly and now I am being penalized. I also am complaining against VW Credit US for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
Product: Mortgage

I just received a calculation for my new mortgage payment that increases it by {$500.00} per month! The new payment is effective XXXX XXXX. The escrow custion is listed as {$1000.00}. Is that legal?
Product: Debt collection

On Monday XX/XX/2020 I was contacted by Russel P. Goldman P.C. about a debt collection for private student loans from XXXX, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and Russel P. Goldman refused to work out a reasonable payment plan. Also on the XXXX website it states " During the pandemic emergency, XXXX instructed its private collection attorneys to suspend involuntary collection activities related to defaulted XXXX loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted XXXX account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted XXXX loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.
Product: Money transfer, virtual currency, or money service

I did not have issues with XXXX but was told if I have ever used it to make a complaint due to missing disclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financial sold my mortgage to Chase on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted chase at which time the payment was already late. Chase told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.
Product: Vehicle loan or lease

XX/XX/XXXX I contacted Hyundai regarding getting the title and bill of sales after I was told by XXXX secretary of State that I needed the title/bill of sale before it could be transferred to me. The lease was paid off in XX/XX/XXXX.. On XX/XX/XXXX I spoke to a customer. rep who said that the title dept only worked on titles 2 days a week. They sent an e-mail, which I never received. In early XX/XX/XXXX I received a notorized disclaimer regarding the car but no title or bill of sale. I have contacted the company by mail as of XX/XX/XXXX.