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

CapitalOne closed my account and claimed that check I deposited was fraudulent. 
I usually deposit my check into my XXXXXXXX XXXX but after latest updated app was not responding so I did a mobile deposit into Cap1 account on XX/XX/XXXX ( I've had it and actively used for can not even recall how many years ). 
Today I received email stating that my account is restricted until Cap1 verifies recent activity. After I logged into account, i saw that check deposited on XX/XX/XXXX was reversed. I called in, i was told to upload some verification docs, and call back. I uploaded my DL, called back and after barrage of question whose check it is, why i deposited i into cap1, and so forth I was told that check I deposited was fraudulent and my account is closed as of now. Any attempt to resolve fell on deaf ears. 
To add insult to the injury Cap1 refused to provide a timeframe for my money becoming accessible ( wire/transfer out or just check by mail ) claiming they need to do a " review ''.

The fund in my account are from previously CLEARED checks. Those are not Cap1 money to hold indefinitely. Those money are intended for bill payment and Cap1 is preventing this.
Product: Mortgage

Made {$2100.00} payment with all extra to be applied to principal. Normal payment is approximately {$720.00}. This is the 6th time along with another loan in the past year that BMO has not applied the extra  principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Finacial Protection Bureau.  Complaint # XXXX-XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Arizona Attorney General and the Arizona and Illinois Division of Financial Institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off a loan from the XXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, on my credit report it is showing it had a late payment XX/XX/XXXX. I have submitted several disputes with documents from the government starting in XX/XX/XXXX proving this was completely paid off and closed out XX/XX/XXXX and that the information on my credit report is incorrect. They refuse to take it off causing damage to my credit score.
Product: Credit reporting

i have paid this, XXXX has removed this but equifax has not.
Product: Mortgage

I requested a simple due date change on my loan from XX/XX/XXXX to XX/XX/XXXX to avoid being late and therefore being charged {$40.00} late fees. I was denied without being provided adequate reason.
Product: Mortgage

OnXX/XX/XXXX, and XX/XX/XXXX, through on line banking from my bank ( XXXX XXXX ) two payment of {$50000.00} EACH, went to a closed the CITIMORTGAGE  account, ACCOUNT # XXXX, the trace number for each transfer is XXXX processing Dated XX/XX/, with code of XXXX, and another one with trace # XXXX Dated XX/XX/XXXX 
The XXXX XXXX and their 3rd party on line banking can not get any help or respond from citimortgage to return the money bak. 
they have been trying formXX/XX/XXXX till now and no respond is giving to the,. 
I have called and faxed many times to citi morgage representative and send many request, to get my money back to my account and unfortunatley did not get any respond back from the. 
citimorgage Tel # is XXXX XXXX, and their Fax # is XXXX thanks XXXX
Product: Checking or savings account

My wife and I received an advertisement for a Capital One 360 savings account, promising a bonus of {$500.00} if we opened an account with new money before XX/XX/XXXX and held the funds in the account for at least 90 days, The offer ad did say on the back that the account should be funded within 10 " days '' of opening, but nowhere said that " time was of the essence '' as long as all was done before the offer end date of XX/XX/XXXX. Nowhere did it specify whether calendar or business days were the measure of the undefined term, " days. '' We proceeded to open the account on XX/XX/XXXX. In order to fund by transfer from our checking account we had to wait until Capital One verified the account settings by depositing and withdrawing sample funds. On XX/XX/XXXX Cap One deposited XXXX cents to the account in two deposits and on XX/XX/XXXX they withdrew the XXXX cents in one withdrawal. I do not see and do not recall any notification from Capital One that the verification process was completed and that I could transfer the funds to the account. I did notice that the deposit and withdrawal had been made later that month and I did transfer the funds to the account on XX/XX/XXXX well in advance of the XX/XX/XXXX cutoff date. 

I kept the required funds in the account for almost a year, well beyond the 90 days required. Capital One never credited us with the {$500.00} bonus. When we contacted them on XX/XX/XXXX we spoke with a young lady who advised that the deposit had to be made within ten " business days '' and we did not qualify for the bonus funds. She said that Capital One had previously granted extensions of up to 5 business days, or a total of 15 business days, but that we missed that mark by 1 business day under her count. She was wrong - XX/XX/XXXX was a Sunday and our account actually started at the earliest on XX/XX/XXXX. We were prevented from funding until XX/XX/XXXX at the earliest, assuming they had notified us on that date ( which is not what happened as best as we recall or can reconstruct with emails ). XX/XX/XXXX is only XXXX business days from XX/XX/XXXX and certainly should have qualified. Moreover XX/XX/XXXX is only 12 business days from XXXX XX/XX/XXXX and would fit within the extension period of 15 days. 

There is not rational basis for a claim that the 10 day funding period had any material or legitimate purpose so long as funding occurred prior to XX/XX/XXXX. Our case was reviewed first by the woman 's supervisor named XXXX, and later by someone named XXXX. XXXX send us an email on XX/XX/XXXX claiming that our appeal was denied and claiming that the terms referred to 1 " calendar days '' in direct contradiction to the information we were previously given. 

This seems like a pretty clear scam by a banking institution - a 'bait and switch '' to get us to make a significant deposit and then to deny us the promised benefit based on trickery and doublespeak. My scanner only does 8.5 X 11 documents so my attachment has two page ( top and bottom ) for each side of the ad.
Product: Student loan

I have made payments toward loans that all have been cancelled. The first on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted NelNet and can not receive a conclusive answer as to what is causing this issue. I talked with my bank ( XXXXXXXX XXXX ) as well since I was messaged by nelnet loan servicer to use a different payment method. All payments continue to not go through ( state processing, completed, and then back to canceled with no money leaving bank account ) and I can not reach Nelnet. I have contacted them 3 times today ( XX/XX/XXXX ) but was told by the automated voice that their call center is closed. On their website it clearly states XXXX. I have made 3 calls to nelnet in the past with one customer service person saying that Im only paying a small amount of interest monthly but didnt really answer why my payments are not going through. I am being charged interest daily and would appreciate help in paying my loans back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts below, have 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. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX  XXXX  Acct # : XXXX Amount {$2300.00} XXXX  XXXX  Acct # : XXXX Amount {$400.00}
Product: Money transfer, virtual currency, or money service

Account was hacked and money was taken out of my account.
Product: Mortgage

United Wholesale Mortgage says for my payment for XX/XX/year> was late, however this is not the case due to my following explanation. For the Month of XXXX I Logged into the mobile application where I then submitted my amount due which was posted on the portal, then I later on check on the portal the following month again to pay that months ( XXXX ) payment. This is where the issue lies. It seems like after the payment was made in XXXX. Everything was fine & then they seemed to add another amount that was due within in the same month, but I was not able to see that amount because it only showed the initial amount due. & I had no reason to log into the portal again to check for another amount that was due. On top of that I didnt even get someone from the company to reach out regarding this payment, so this is as to why I had to pay that overdue amount after the fact they considered it to be late. So its not like it was my fault if they never posted the full amount due at the same time. Plus no one reached out. So they need to get this removed because the payment being late wasnt my fault and I have paid it as soon as I found out by my own.
Product: Debt collection

To Whom It May Concern : I sent a letter to XXXX XXXX XXXX, receipt number : XXXX, XXXX to formally advise that I believe the company XXXX XXXX XXXX which Tromberg, Morris & Pouling PLLC is representing has violated several of my consumer rights. Specifically : They failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. The letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use the Estoppel in my defense.

I expect to receive the proof requested above within 3 days of this complaint before Pre trial Conference on XX/XX/2021. Should they again ignore my request for validation of debt I reserve the right to sue XXXX XXXX XXXX company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Attached all the documents I sent to XXXX XXXX XXXX Kind regards,
Product: Credit card

Synchrony Bank informed Lowes, Belks , XXXX XXXX credit card companys that I was deceased They had them close my accounts and ability to pay online. I am very much alive. I understand no one thats not a power of att. or have a death certificate can close an account. This has caused me late payments and embaressment. Late charges also applied. I have to pay online as I do not drive anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information remains on my credit report after countless attempts at removing information.
Product: Money transfer, virtual currency, or money service

{$200.00} was fraudulent send via XXXX and {$300.00} was fraudulent send via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender XXXX XXXX and XXXX XXXX XXXX have both tried to attain my credit report from Experian, and are unable to do so. There is no freeze or alert in place to prevent these two firms and the credit vendors to pull my credit. I have contacted Experian customer service and member service to resolve the issue for over 3 week. I am still having problem where my credit report is blocked my Experian. I have been trying to have my credit report pulled since XX/XX/2021. Vendors receive error message, credit report locked due to consumers request, I requested to have all alerts and freezes removed sometime aroundXX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX  XXXX  # XXXX, AMSHERCOLLECTIONSERVICES # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX ) Opened XX/XX/XXXX {$200.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) Opened XX/XX/XXXX {$220.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Opened XX/XX/XXXX {$580.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX {$530.00} Account ending in XXXX. 

These fraudulent accounts have resulted in several fraudulent inquiries and collections appearing on my credit report. I have attached a copy of my credit report showing the fraudulent accounts.

I do not recognize these accounts, collections, or inquiries as reported. These accounts were not opened, made, or initiated by me and are the result of identity theft and fraud.

Attached is a copy of FTC Identity Theft Complaint # XXXX as evidence, along with my supporting documentation. I demand the immediate removal of these fraudulent items and all associated inquiries from my credit report as required under FCRA 605B.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their cloud storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I called their phone, but I didn't get any response. I tried to call several times. My card is not working, but I can't get a solution.I have been waiting, and my call is not connected manually.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report that I don't recognize. I believe these were mistakenly added without my consent and may be the result of identity theft or fraud. Please block and remove these fraudulent accounts.
Product: Debt collection

I keep receiving call from Arnold Scott Harris, a debt collector for the City of XXXX for unpaid parking tickets which I do not owe for any. Today was my second attempt notifying them to remove my telephone number from their database. I explained I have a business license with the City of XXXX and one of the requirements is that you can not have any outstanding debt with the city.
Product: Mortgage

In 2023, I initiated a process to attempt to remove my PMI with a servicer. I submitted a complaint at that time, the process was never completed, and the mortgage was sold late last year to Lakeview Mortgage. I attempted to start this process again with them in XXXX. Since that time I've sent XXXX separate requests via their website, requesting either a call or paperwork to initiate this process, and in all but the first case ( which said in order to handle this process I needed to update my phone number? ) I was told I'd get some guidance within XXXX days ... which has never happened. 

I'm paying {$160.00} per month for PMI. The mortgage balance is {$410000.00}. Their own estimator is showing the value at {$660000.00} ... and their system does not even factor in that we finished the basement of the property and added XXXX square feet in living space ( which is when I initially attempted to get the PMI removed from the former servicer ).