23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Misrepresentation and Refusal to Acknowledge True Value of Treasury Bonds Dear CFPB, I am writing to file a complaint against M & T Bank due to their misrepresentation of the value of my treasury bonds and their subsequent refusal to acknowledge or rectify their valuation. Despite my bonds having matured and accrued a significant amount of interest, M & T Bank has informed me that they are worth only a quarter of their actual value. Upon challenging this valuation, I was informed that the bank could not accept the bonds at their true value and was given no valid explanation or recourse. 

This response from M & T Bank came as a shock and has caused me financial distress, as I was relying on the true value of these bonds for [ specific personal financial needs, e.g., retirement, education expenses ]. The bank 's unwillingness to address this issue transparently raises concerns about potential unfair or deceptive practices. 
I have attached to this complaint all relevant documentation, including the original bond certificates, correspondence with the bank, and any other evidence that supports my claim. 

I am seeking a thorough investigation into this matter and appropriate action to ensure that M & T Bank corrects the valuation of my treasury bonds and compensates for any inconvenience and potential financial losses incurred. Furthermore, I hope that this complaint prevents similar incidents from happening to other consumers. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

XX/XX/2023, I received a letter from Transworld Systems Inc about a collection of debt from XXXX XXXX XXXX. The letter advised to contact them by XX/XX/2023. Also, on XX/XX/2023, my significant other received a phone call from this company asking personal questions about me and seeing if he knew anything related about this debt. XX/XX/XXXX, I reached out to a nonprofit Debt Management company called XXXX XXXXXXXX XXXX to go over my options. She advised me not to contact the debt collection agency and that they would go through XXXXXXXX XXXX first. On XX/XX/XXXX, one of my sisters received a phone call asking personal questions about me and trying to collect a debt. Therefore, I used an online E-form to contact this company to tell them to stop contacting people that know me and to stop all communication with me until they have heard from XXXX XXXXXXXX XXXX. They have no right to contact my associates and they shouldn't have contacted me until after the date that they provided to me. What measures did they go through to get their contact information?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Update to Open/Never late 4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


15. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


16. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My mortgage company ( USAA ) failed to pay my insurance company out of escrow. I spend days of attempting to get them to pay and eventually had to pay the insurance company myself and get reimbursed after the fact. This was in XXXX Florida in the days leading up to XXXX and caused my family intense emotional distress. I was eventually reimbursed for the additional money I paid in but only after about 50 hours of attempts to resolve the problem.
Product: Debt collection

i called creditor and they want all my personal information and will not give me the proof that I owe XXXX over {$40000.00}. Them they want to charge for the report. XXXX bought XXXX and XXXX rolled over my account without owing XXXX any XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My complaint is regarding following bank and this personal banker working there : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First National Bank of Omaha XXXX XXXX XXXX XXXX, TX XXXX XXXX Tool Free : XXXX fnbo.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This bank has a branch in Texas and XXXX 5.5 % interest rate on all CD accounts. 
On Saturday, XXXX XXXX, I went to this branch and met Personal Banker XXXX XXXX XXXX XXXX 
she convinced me that interest rates on XXXX and 17 months XXXX 's are 5.5 %. 
Based on what she said, I decided to proceed and deposit my money in a XXXX account for 7 months. then she printed a few pages and highlighted 5.5 % rate on all those pages and asked me to sign the contract. 
I signed them all based on trusting her ; thinking that she is an honest person and is functioning as a banker. 
Then after signing all documents, she disclosed to me that my actual interest rate for 7 months on this CD will be 5.28 % not 5.5 %!. 
I told her '' why didn't you disclose this difference earlier before I sign all your papers? '' In response she said : '' 5.5 % is Annual Percentage Yield on this account not on your CD ''. 
I confronted her and said : '' this should have been discussed and disclosed earlier before I sign all your documents and this is a prime example of misleading and fraudulent activity that I did not expected to see from a banker or a banking XXXX ''. 
When I told her that I will file a formal complaint, she responded : '' I have been doing this for many years and have never had any problem so far ''.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

Please delete these fraudulent accounts : XXXX XXXX {$490.00}
Product: Debt collection

On XX/XX/XXXX, I received a notification from my XXXX credit monitoring service, that NATIONWIDE RECOVERY SYS reported a new collection account to my credit report ; Date Opened XX/XX/XXXX, XXXX for the amount of {$120.00} ( Original Creditor : XXXX XXXX XXXX ) I have not been provided validation or notification of this debt. I have no knowledge of this account. I have never done Buissness with XXXX XXXX XXXXXXXX, which when I XXXX turned out to be closed since XX/XX/XXXX, also this specific hospital is owned by XXXX XXXX Which had multiple charges of fraud toward investors and patients ; I have never done business with nor received any communication or written notices from Nationwide Recovery Systems. This is a violation of my rights under Section 809 ( a ) for failure to provide written notice within 5 days to a consumer regarding collection of an alleged debt. I respectfully request the closure and prompt removal of this account from any and all consumer credit reporting agencies. 
XXXX has removed the account but XXXX refused to do the same. I have contacted the Nationwide recovery system by phone and email and requested a verification of the debt but they have failed to provide it to me.
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. 

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 The above accounts have violated my rights according to 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 seven years. 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit card or prepaid card

Hello, I am a capital one holder and last month I went to make a payment and capital one oddly required that they text me first. I agreed to being texted for a " security code '' but then never received a text. I kept trying for a few days and when I later called, there was no automated option to pay your bill and it was after hours. The next day I could pay but by then I received a late fee. 

Capital one should waive their fee, this is the only bank I've had this problem with Thank you cfpb
Product: Debt collection

I am receiving multiple phone calls, 2-3 times per day with the following message : " Hi. This is XXXX. We have some opportunities that can be available to you at Capital One. Please call me back today at XXXX XXXX XXXX XXXX XXXX to discuss them. Thank you. '' These calls are happening all hours during the day, morning, mid-day, evening. Over and over again I'm getting the same voicemail, from different numbers, the latest : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
Product: Debt collection

XX/XX/XXXX Midland Credit management removed all of my funds from my XXXX  XXXX XXXX checking and savings accounts, and continue to do so, in addition to removing {$15000.00} from my checking and {$1500.00} from my Savings putting me into major negative. I spoke in person and on the phone multiple times with XXXX  XXXX XXXX and they claim this is a garnishment, with no proof or documentation provided that this is a valid garnishment. Midland Credit management said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me. None of my credit reports show this at all and I have no derogatory marks on my credit. Midland CM still continues to take funds out of my accounts, including my XXXX  XXXX payment. I have had zero communication with this company prior to this action to my bank accounts and there have been NO papers served to me, no documentation given to me about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. XXXX  XXXX XXXX has not protected my accounts and they also have not contacted me about these actions prior nor have they shown any documentation proving that this garnishment is valid. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events.
Product: Debt collection

On XX/XX/2021 there were 3 bills added to my credit reports from Paragon Revenue Group in the amounts of {$140.00}, {$210.00}, and {$390.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a US Bank Checking account on XX/XX/XXXX, and signed up for a promotional bonus advertised by US Bank. The terms of the bonus ( which I have attached ) state that when the following requirements are met, I will receive a {$400.00} bonus. I met all the requirements ( as proven in the attached document detailing my transactions ), but have still not received the bonus : -Enroll in online banking - OK -Deposit at least $ XXXX within 30 days - OK -Make 5 transactions within 60 days ( debit, XXXX, checks ) - OK -Keep $ XXXX for 60 days ( until XX/XX/XXXX ) - OK -Get bonus within 45 days ( by XX/XX/XXXX ) - Still waiting I called shortly after opening the account and was told I successfully enrolled in the bonus. 

After the 60 days were met, I called again and was told that I should receive the bonus soon. 

I then called again XX/XX/XXXX, and received a call back on XX/XX/XXXX, and was told that I indeed met all the requirements, but that I won't receive the bonus until at least the end of May, which is another 5 weeks from today. 

Per the terms, the bonus was promised by no later than 105 days, which for me is XX/XX/XXXX. 

I am now filing this complaint because I have no faith that US Bank will honor the terms it laid out in the agreement. 

Thank you.
Product: Debt collection

I have on several different occassions try and reconcile this matter with this company. I was not in the   XXXX   XXXX   on the date of service this company is alleging. I have sent several requests asking them to provide me with some documentation that I signed that would implicate me being present on this date of service. They failed to provide me any documentation. Whenever I go to the   XXXX   XXXX   or doctors office I always sign something for a consent to treat or an insurance form. This company can not and did not provide me with anything.They failed to provide me with a proper invoice. They typed up an account on their company letter head with the information they want me to believe is factual according to the conversations I have with this company they are not the original creditor so how are they providing me with an invoice on their letterhead anyway? Makes no sense.
Product: Checking or savings account

On XX/XX/24 I was looking at my transactions with capital one and seen a large amount of transactions ranging from XXXX XXXX  {$500.00} over the last XXXXXXXX days. I immediately called capital one to report it and start a dispute thinking it would be simple and they would do a XXXX  from the merchants that I did not authorize transactions or purchases from. 

On XX/XX/24 I received an email saying that my dispute has been resolved and it was denied : We finished researching your dispute, and following a review of all relevant bank  records your claim has been denied for the following reasons : Due to electronic activity or login history. 

I requested the evidence and have been told it will take XXXX  days so I asked if there is a number to talk to that department directly and was simply told no there isnt. 

If I did not authorize the transaction then this should be a simple dispute. 

None of the transactions that were being disputed were authorized regardless if I logged into capital one at any point. 

I attempted to appeal the decision but I was told I needed to submit evidence for them to be able to re open the case. I explained that I dont have any evidence other than my bank XXXX  because they were all unauthorized. 

This has left me in shambles and I had previously thought that capital one was a company that was fair and protected their customers from this stuff.