23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally file a complaint regarding the Capital One Savor credit card, which I recently applied for, as well as a similar issue with a prior application for the XXXX Checking account. 

When I applied for the Capital One Savor credit card, I was drawn to the advertised offer, which promised a 15-month 0 % APR and a {$200.00} cash bonus upon approval. However, after being approved for the card and receiving it, I was unexpectedly charged interest, despite the advertised 0 % APR. When I contacted customer service to address this issue, I was informed that I did not qualify for the 0 % APR offer and $ 200bonus although I had applied based on the terms clearly presented at the time of my application. 

This is not the first time Ive experienced such an issue with Capital One. I previously applied for a XXXX Checking account that also promised a {$350.00} bonus. To my disappointment, the bonus was not applied to my account either despite having met the qualifications outlined in the advertisement. 

This is not only misleading but feels like a deceptive business practice. These experiences have caused significant frustration and disappointment. I relied on the advertised benefits when making the decision to apply for both the credit card and the checking account, and it is disheartening to find that the offers were not honored.
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE!!!! 

I have brought it to MBFS attention of the Fair Debt Collection Practices Act violations they are committing. I have sent an affidavit of truth and notice of cease and desist. XXXX XXXX responded that they are not a third party debt collector which I never claim MBFS was. I said they are a debt collector according to the FDCPA 15 USC 1692a ( 6 ). Federal law defines debt collector as the following " The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests '' MBFS using interstate commerce and the mails to collect debt which makes them a debt collector. MBFS regular attempts to collect debt because they send me monthly statements stating I owe a ALLEGED debt which makes MBFS a debt collector. I am demanding you address my concerns of MBFS violating laws under the FDCPA. There is no such thing as a third party debt collector which I never claim MBFS was. You are a debt collector according to federal law and I demand you prove other wise giving the definition.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name : XXXX XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX  XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATION/XXXX  XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. Please remove this account ASAP as this was result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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 a account without my written instructions.
Product: Credit card

On or about XX/XX/24 I tried explaining that I knew I was late but due to a XXXX XXXX XXXX XXXX XXXX, was experiencing difficulties as I was also in the midst of hurricane repairs so some things, like all my payments, including utilities, were unfortunately a mess as a result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Bank of America has repeatedly has shown no understanding and recently I reported a gentleman for rude, hostile, behavior and refusal to try to understand and work with me because I wouldnt do it his way after explaining what stress does to a person with XXXX and having tried on numerous occasions to get some compassion, knowing Id been a customer for XXXX years and until recently have consistently paid my balance each month. This has happened, I believe, during the aftermath of Hurricane Ian. The lack of and refusal to do other than read their standard scripts in cases like mine, knowing I have XXXX. 
I would suggest BOA understand they are violating my rights as a person with a XXXX. I will pursue legal action if I must against their vicious retaliation to my finally filing a verbal complaint so here we are. 
I eagerly await their response.
Product: Debt collection

I have contacted this company that this debt is not mine. I have said this was not opened by me and should not be reported on my credit report. Portfolio Recovery continues reporting this debt as owed on my credit report. I have asked them to remove it ASAP but they have failed to do so.
Product: Credit card

I received a physical credit card bill of {$490.00} for XXXX signature account number XXXX from Bank of America on my registered mail address. 

I just have a checking account of bank of America, Never applied for or received any credit card from Bank of America. I do check my ssn enquiry report reqularly, and never received a new SSN enquiry alert in last 2-3 months. When I go to my Bofa Web login, I also don't see any mention of this credit card any where. 

It's an amazing sophisticated fraud that how Bofa opened a credit card on my name without my consent and without any trace of ssn inquiry, or 2 factor authentication. 

I see someone already got a hold of the card and even made a transaction on XXXX XXXX store ( ref no XXXX )
Product: Checking or savings account

XX/XX/2020 at around XXXX XXXX  my boyfriend walked into the Chase bank on XXXX XXXX XXXX XXXX NY XXXX to make a deposit of {$1900.00}. After being prompted to put the cash in the ATM machine the ATM machine accepted the money the screen had a circle like it was loading then it just went blank. After a while it restarted and started installing a update, After the update it released my debit card from the slot and it said this ATM can no longer be used and then it restarted again back to the main screen like it was good again. It never printed a receipt nor did it acknowledge the deposit. He immediately calls the number on the ATM Machine and talks to support which take all the information and let him know that within 12 hrs they would credit the account with the amount of the deposit until they do an investigation. While this is happening he texts me whats going on so I walk to the bank. I am the account holder XXXX XXXX. When I get there I also call from my phone to support to explain to them that I can not wait 12 hrs for my deposit to appear in my account. The reason we were depositing that money was to make a payment for our car that had gotten repossessed and they had given us till XXXX XXXX   that night to make the full payment or the car was to be sold at an auction. The lady from support assured me that within 12 hrs I would get credited the money or even sooner. It is now XX/XX/2020 XXXX XXXX  and Im yet to get any credit on my account. After several calls to Chase support now theyre saying that I have to wait 10 business days for any credit to be put in my account and that there is nothing they can do! I dont know what to do this is beyond unfair and theyre being really insensitive about my situation. On XX/XX/2020 my house was burned down and me and my family were left with nothing! And now I have to deal with Chase taking my money! Im sure they have some kind of protocol they go through with these kinds of situations but theyre treating me like Im guilty of some kind of crime! There was {$1900.00} deposited into that ATM the last of our hard earned money and they are holding my money hostage!
Product: Credit reporting, credit repair services, or other personal consumer reports

Describe what happened I Just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payments is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit card or prepaid card

Long story short I had already filed a complaint when they closed my account months ago because of a mistake I made and did not have my payment set to min payments monthly but pay full balance. When they payment was attempted to pay balance of around XXXX in full my bank froze the account and charge. When PenFed finally saw my complaint here after numerous attemptes to plea with support and share what happen was a mistake I was contacted by XXXX at the head of Pen Feds Fraud department to let me know they had made a mistake and were opening up my account.It was about 2 weeks later when I went to log back on and my account was closed again??????? 

I contacted XXXX and explained again what happend. He said the my account was closed because a dispute was sent and I explained I had a fraud alert and credit repair/monitor companies that monitor and request proof of any suspicious items. I told him I did draft a letter stating to the 3 bureaus that Pen Fed charges were accurate and to please report accordingly. He looked over my file and letters and said he saw what I was referring to and I should have access shortly to my accounts. Ether this  was a lie or they changed their mind as I still do not have access and both cards are shut down. 

In good faith I have continued to make payments but have to call in each month to do so and is just super inconvenient and the whole situation is just UNFAIR. I NEVER MADE A LATE PAYMENT AND HAD THE HIGHEST CREDIT POSSIBLE. When I call in now everyone is hush and just says sorry we cant talk about it : (
Product: Credit card or prepaid card

In short, after more than 5 years of good standing, never a missed payment, American Express decided to increase my purchase interest rate by 6 % ( to 20.49 % ) on XX/XX/XXXX for no stated reason with no reasonable notice. ( Simply changing the interest rate number on the bottom of a statement is not reasonable notice for such an unexpected increase. ) Having never been delinquent with a payment, one expects that their interest rate is not going to rise to astronomical levels without due cause or at least a notice. I've done what I am supposed to do, I've always paid my bill on time, American Express has continuously given me credit increases over time. I never had a reason to expect that they would have due cause to raise the rate. Finally, as I approach my credit limit due to hardship, they crack the interest rate up. This behavior is nothing short of predatory. 

They even had the nerve to do this on the XX/XX/XXXX, our XXXX XXXX XXXX. If this is the new America, I am ashamed of my country. 

Info : Purchases XX/XX/XXXX-Current : 20.49 % ( v ) Purchases XX/XX/XXXX to XX/XX/XXXX : 14.49 % ( v ) This is how I am rewarded as a loyal customer in good standing after 5 years. Shame on AMEX.
Product: Mortgage

On XXXX complaint XXXX to Citi Mortgage was issued, and I disputed it on XXXX. The response from Citi Mortgage states what is already in my documentation packet. The stated corrections in this response were already in place on my credit report when I submitted this complaint. I provided a snapshot of my credit report with a current status value of " 120+ days past due '' as of XXXX to a current status value of " Pays as Agreed '' on XXXX. I was not disputing the status of the account in this complaint. What I am disputing is the date in the " Date Reported '' field. It should not be XX/XX/XXXX. This was reported back XX/XX/XXXX, and should remain that way to show creditors that this account and issue is 5 years old. The company has not explained why the update to this account even happened XX/XX/XXXX. Why was the current status changed to " 120+ Days Past Due '' on XXXX. If I had not disputed this item, it would still be that way. The status was updated to Pays As agreed after I disputed it XXXX. This mistake has caused me to not get credit and pay higher insurance premiums. I want the date reported set back XX/XX/XXXX so that it is representative of when the settlement and release of mortgage was executed. Having a XX/XX/XXXX date as the date reported makes this appear as a current issue.
Product: Credit card or prepaid card

I accidentally made an {$2000.00} payment on XX/XX/XXXX. I was trying to make a {$200.00} payment via app but accidentally add an extra XXXX. Immediately, I contact customer service since payment was pending. The associate explain that he wouldnt delete the payment to call my bank. So, he transferred me to US Bank customer service. Of course, they couldnt stop the payment because it was already processed. Thus, another transfer to the credit card US Bank. Where, I was told to call back tomorrow Friday XX/XX/XXXX to submit a research request. The next day, I called filed a research request. Monday the XXXX or Tuesday the XXXX I called back because I check my app and no payment reversal or correction. I was told by a supervisor at that time the latest this will by resolved is today Thursday the XXXX. So, when I called everyone will give me a different timeframe. XXXX the supervisor said 10business day. XXXX said 3-6 business day, finally XXXX said XXXX. No one can provide an answer to why this request will be corrected or were unable to resolve themself or attempted too.
Product: Debt collection

The company Midland Credit Management trying to collect money from me that I do now owe they have threatened to sue but have shown no proof that I owe them any money.
Product: Mortgage

This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much.
Product: Vehicle loan or lease

DEAR CFPB, this company CREDIT ACCEPTANCE, HAS CHARGED ME A XXXX LATE FEE EVERYTIME A PAYMENT WAS MADE FOR THE ENTIRE LOAN, THIS IS ILLEGAL AND WRONG, PLEASE HELP ME GET THIS REFUNDED TO ME ASAP, THIS GAS ALREADY BEEN TURNED INTO THE ATTORNEY GENERAL, THEY ARE NOT WILLING TO GIVE THIS MONEY BACK, WILL YOU HELP ME ASAP,30xXXXX-XXXX, PLESAE HELP ME GET THIS AND MY CAR TITLE TODAY?
Product: Credit card or prepaid card

I purchased XXXX XXXX Blinds and used an IXXXX XXXX  XXXX XXXX XXXX installer in which I paid XXXX on XX/XX/2022. XXXX XXXX was responsible for measurement/ installation and for the blinds. I charged this amount XXXX to my XXXX XXXX. The measurement / installation and the blinds were all done incorrectly, the blinds have XXXX inch gaps on each side in which the sun can get right thru the window, the valance is bent and the sun can get thru the top of the valance in the living room. The blinds hang down and are not installed properly. I complained to XXXX XXXX and they did nothing to help. The measurement of the Blinds was done incorrectly, XXXX XXXX supplied incorrect blinds, and I complained numerous times to home depot, they did nothing, as If I had no other choice but to accept there terrible blinds that do not cover the windows. Since XXXX XXXX would do nothing to fix the issue, I called my credit card to dispute the charge for XXXX and XXXX not provided, defective product, and the merchant does not perform the services as described and refused to accept my return. Chargback codes- XXXX, goods and service not as described, or defective. I told XXXX that i only signed a contract on XX/XX/2022, i never signed anything that said i accepted the blinds / installation service, that is false. I only signed the initial contract to XXXX measure and install blinds by home XXXX and there install company. XXXX XXXX initially credited my account, then chargebacked my account stating i signed a document in which i accepted the job as is. I never signed anything that stated i accepted the job, that is false. XXXX XXXX did not defend my rights as a cardholder. I also supplied pictures in which XXXX stated that they could be incorrect pictures or airbrushed, that is a false implication from XXXX XXXX mastercard. XXXX XXXX XXXX did not live up to the issue of when a customer does not receive the correct item that they bought, plus installation and measurement are totally wrong and did not defend customer credit card rights.
Product: Credit reporting or other personal consumer reports

I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 

( d ) CONSUMER REPORT. 
Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) ExcLsions.-Except as provided in para
graph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi.

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's the law.