23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Received 'Fraud Letter ' on XX/XX/XXXX on three Cap One accounts. Nothing in the letter detailed fraud. Upon calling, they closed all three accounts because one of them had a returned payment. Even though this payment was immediately remade and cleared, they still closed three accounts. They did not attempt to communicate with me before taking this action. Two of the accounts had been open for 18 years!

The one with the returned payment had a large cash back balance that had not been redeemend. In researching this online, it appears Capital One has a history of closing accounts for little or no reason when they have a significant unused rewards/cash back balance. This is not fair or reasoanable. Closing all three acounts over one of them having a typo in a payment that was immediately resolved was not fair or reasonable. 

As I have applied for Mortgage approval based on these accounts being valid, this is a disaster. This will destroy my credit and likely cost me a ton in a higher interest rate. The suggetion to 'open a new account ' will not help as that also would blow up the mortgage application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021
Product: Credit card

On Monday XX/XX/2024 I was checking through my transactions on the credit card page of the Sofi app for XXXX XXXX, in order to verify all looked as normal. What I noticed was I was no longer receiving the XXXX XXXX cash back on the credit card as I was expecting, the amount had been lowered for months to XXXX XXXX I went through my emails and text notifications and found 0 notice from the bank that they had changed the rewards amount, and there was no where I could find on the app that explained when and why this change occurred. I reached out to their support center on XX/XX/XXXX and told me that i had hit a limit for the XXXX XXXX rewards offer, which for starters was not clearly advertised when I opened the card. Then I asked when they informed me of when i hit my limit, and where the notification was to alert me that terms had changed. They said they had nothing beyond the terms and conditions. No points tracker, no emails or text notification, nothing at all to notify me of a change of credit card awards points. Had I been properly notified, i would have shifted my credit card spending to another card with a higher/better rewards program. As such, I have lost out on potential earnings due to Sofi sneakily changing cash back without my notice. If this was an interest rate change I would have received such a notice, and I don't understand why they would treat this situation any differently, so I believe they are in the wrong here.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to talk timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Checking or savings account

I am the co-Personal Representative of an estate of one of my firm 's deceased clients. I have attempted to marshal XXXX Bank of America checking accounts in the late client 's name. I appeared in person at the XXXX XXXX, XXXX, XXXX branch of Bank of America and provided them with the Certified copy of my Letters of Authority, an original signed letter from the other Co-Representative who lives in XXXX authorizing the release of the accounts in question to the Estate, and an original Death Certificate. I spent over an hour at the Branch and was informed the bank would be mailing a check made payable to the Estate to my office. That was almost XXXX months ago. Just last week my office received a checklist from Bank of America requesting the same information which I already provided to the XXXX, XXXX branch in person. My office called and spoke with someone at the XXXX XXXX, XXXX, XXXX Bank of America branch and was told that the account is not in their branch and they can not assist us. 

In my opinion, this a breach of the bank 's obligations and I wish to have this complaint filed and have the funds released to the late client 's estate.
Product: Payday loan, title loan, or personal loan

am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was recently made aware that my credit limit was reduced from {$2500.00} to {$1900.00}. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Banana Republic XXXX XXXX XXXX service on XX/XX/2021. I as a natural person was harmed by Banana Republic 's adverse action taken against me. My rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), Banana Republic is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to use the PACER system to check my bankruptcy information. PACER IS INCOMPLETE, ANYBODY CAN CREATE AN ACCOUNT, AND IS INACCURATE. The bankruptcy court showing my bankruptcy as dismissed has notified me that they do not share SSN 's to third parties SUCH AS the PACER system. In this case, how can you maintain a dismissed bankruptcy as accurate? How are you verifying this information? You need to go to the court and NOT PACER according to the fair credit reporting act. You are not validating this information correctly and it needs to be removed.
Product: Credit reporting

In XXXX 2013 I became the victim of identity theft. One of the accounts is from XXXX in XXXX, IL. I have successfully remove all fraudulent accounts and addresses from all credit reports by repeatedly providing a police report, signed affidavit and supporting documentation, including a history of events and fraudulent account disputes and resolutions. However, equifax has been notified several times of my identity theft and this specific fraudulent account. I did n't even receive confirmation of my first notice of fraud to equifax. It was only after my second fax of documentation that equifax acknowledged my dispute. It took several notices of fraudulent addresses for equifax to remove those, and they have now refused to remove this particular account from XXXX. XXXX, XXXX, XXXX XXXX XXXX, and several other fraud investigators have been very responsive and accurate. This problem is particular to Equifax.
Product: Checking or savings account

After receiving a flier in the mail for a new account bonus, I opened both a checking and savings account at Chase Bank on XX/XX/year>. I was required to deposit {$15000.00} to open a savings account and open a checking account with direct deposits. The personal banker was more interested in selling me to open a credit card and discuss her personal life than focusing on my needs. She opened the accounts and noted tax withholding require for both accounts. I am an American citizen - naturally born. I have had a credit card with Chase Bank for over 10 years. When I started to receive part of the bonus for opening the accounts, I realized that the banker set the accounts up wrong. I called to have the tax withholding removed but was told to write a letter to the IRS. I shouldnt have to do this. It was their error. I am furious. I lost out on the full bonus. Its not fair that I have to write a letter to the IRS to declare myself as an American citizen. Chase bank should have corrected this.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit card or prepaid card

this is on my citibank card on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had it in despute and they said that the merchant is unwilling to issue credit for the amount case closed!!
Product: Debt collection

On XX/XX/year> an unknown person arrive at my house and knocked on the door. When a family member answered the door they asked if I was there. They were told I was not. At this point the unknown person stated he was from tower loan with a letter to give to me and if he could leave the letter with the family member. This letter was not in a sealed envelope and was a Letter of Indebtedness and was open and loose and containted personal information such as account number, past due balance, company information. All clears Violations of FDCPA 15 U.S.C. 1692c ( B ) and of XXXX XXXX XXXX. XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed this account XXXX XXXX # XXXX several times because it is reporting inaccurate and I want it deleted off my consumer report. However Experian and XXXX XXXX says it reporting accurate but both companies reporting different things. WHICH ONE IS TRUE?? This is a violation to my consumer law rights, everything on my consumer report MUST BE FACTUALLY AND TRUE. I have also enclosed copy box report to support my complaint.
Product: Mortgage

I have a mortgage with Central Mortgage Company. I was a few days late in 2013 and they waived the late fee. Over 2 years later I was late by 2 days and they assessed a {$69.00} late fee which they would not consider waiving. The following month my payment was timely but they rejected the payment after the time period for when payment was due making the payment late. They assessed another {$69.00} fee to spite their agreement that there was no way for me to make this payment on time. 
They are abusive and their actions should not be allowed.
Product: Prepaid card

On XX/XX/year>, I received a text message notice that a suspicious transaction for {$200.00} had been declined from an ATM 8 miles away from me. I checked to make sure I had my card, and then called the American Express Bluebird number on the text. I told them I had the card, and they should find out how that was happening. I was told I needed to suspend the card, and after trying to ask how that would help if there was a card that wasn't mine used for the transaction, I agreed to suspend the card. After getting off the phone, I noticed my daily account summary was over {$600.00} less than the day before, and I called American Express Bluebird back. There were 2 transactions on the same ATM right across the street from the declined one for {$600.00} each with {$2.00} fees from XXXX attached to them. I was really upset, because I had explained to them before that I had my card on me and that I had not made any transactions all day. And why didn't the custumer service employee tell me about those transactions when I called. The second ATM was had a fee ; I would never use that. And the card was supposed to have been suspended ; I asked how that would help stop the crime when I first called. I also explained that the telephone prompts were malfunctioning and hanging up on me when I was trying to get a customer service rep, and that there were all sorts of similar issues with the site. I did everything American Express Bluebird told me, even sent my report to an email address when the link they sent me to upload the documents was malfunctioning as well. I even called again to make sure the email was received after I didn't receive a confirmation. American Express Bluebird finally answered back that they had investigated, and that the transaction was made with a valid card and PIN. That was impossible. I still have my card, and I have never given my PIN to anyone. After that, I started reporting to more government agencies. I also called the main American Express number, and it was the same customer service as XXXX. While trying to manage my way through the Holidays without almost half of my veteran medical pension income, I found other people this had happened to in XXXX. All of them were from other banks, and one was a government food benefits card. I had called the XXXX XXXX to help investigate, but they were not willing to take me seriously either, then people with government food cards and families were ripped off right before Christmas. I think this Christmas scam was made before the Holidays intentionally, and I believe that if local law enforcement had responded to me seriously, the similar crimes that occurred later could have been prevented. Before I found the other people around me that had money stolen from their accounts too, I
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.
Product: Debt collection

XX/XX/XXXX someone from XXXX XXXX XXXX contacted me and said that I had a credit card with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. They said that I owed XXXX XXXX  {$2600.00} from XX/XX/XXXX. They also stated that if I paid the settlement of {$1500.00} by XX/XX/XXXX, then they would not report any derogatory information to the credit bureaus. I explained to the representative that I do not owe any money to XXXX XXXX, and that I do not remember having a credit card from XXXX XXXX. If I had a XXXX XXXX XXXX XXXX, I would have already paid it off. She then asked me if I had social security or XXXX benefits in which to pay this debt. She stated that if I do not pay the debt, that they would place a lien on my house and add this debt to my credit scores. She stated that I had good credit but it would not be good when they added this to my credit report. I explained again that I do not have Household Bank credit card and if I did, it was 13 years ago based on her dates. I looked at my credit report and I noticed that XXXX XXXX XXXX had an inquiry on my XXXX  Report XX/XX/XXXX. I also noticed that I do not have a XXXX XXXX  credit card on my credit report. I also sent a complaint to the Texas Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was leaked from the most recent security breach at Equifax. Equifax has not been able to submit an annual free credit report online ; has not been able to place a fraud alert nor has it been able to freeze my credit report. Transunion charged my {$10.00} for freezing my report. XXXX  and XXXX have not been able to freeze my report or place a fraud alert on it. This took several hours of fruitless work with immense frustration and looming negative effects on my credit scores and ability to leverage my well deserved good credit scores.
Product: Student loan

I originally had my student loans under XXXX XXXX and they were sold to Navient without my consent. I had no choice but to work with Navient and forced to deal with this fraudulent company. When my loans were first transferred, a representative from Navient contacted me about setting up a repayment plan. At the time, I was still in school and did not have to repay any of my loans, as they were not up for repayment yet. They exclaimed that repayment on my loans had to begin immediately, since Navient was no longer part of XXXX XXXX and their regulations were different. Since I did n't truly understand what was happening, they forced me into the XXXX Based XXXX XXXX, which had the lowest monthly payment. I thought that this would be the best option, since I was only working part-time and did not have much disposable income to be paying off my loans. 
I am now four years into the repayment of my loans and they have done nothing but increase. Navient placed me on a payment plan that does not cover my monthly interest and I am accruing DAILY interest on all of my loans ( I have eight loans ). At the time of setting up the payment plan, I did not understand this, but I recently ran some calculations and realized what was actually happening. They are taking the extra interest each month and applying that to my overall principle, which has resulting in an extra {$8000.00} over the past four years. This is TOTALLY UNACCEPTABLE!!! This is complete extortion, because, had I not caught this, my loans would have continued to increase exponentially and I would be powerless to stop it. 
Secondly, when my loans were first taken out, XXXX XXXX had me under a 3.85 % interest rate, which is reasonable. When my loans were transferred to Navient, all of my loans were immediately increased to 6.55 % interest!!! This is nuts!!! When I saw this increase, I immediately called Navient and they spatted out some XXXX about how the interest has always been federally mandated at 6.55 % and I can not negotiate for a lower interest rate. I know that is a complete lie, because I can always refinance my loans for a lower rate and they are only trying to pull the wool over my eyes, because they have gotten away with it. 
Finally, once I realized that my interest has been compounding over the past four years and I have not been making large enough payments to cover the interest, I decided to make additional payments toward the principle. I contacted Navient about doing so and they blatantly told me that I am not allowed to make additional monthly payments toward the principle, as any additional payments would go toward accruing interest. WHAT!!!! This does not make any sense. How am I supposed to pay my loans off, if I can not make additional payments toward the principle when I have the means to do so .... This is complete bogus. 
Enough is enough with Navient and I am in the process of refinancing my loans because I finished with this fraud and deceit. I urge anyone else that is using Navient to get as far away from this company as possible, because they are going to take all of your money and you will never be able to out from under them. RUN!!!!!
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN : XXXX XXXX  CHARGED THIS ACCOUNT OFF AS OF XX/XX/year>. 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT. 
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
XXXX XXXX XXXX
Product: Checking or savings account

There is an account open that I don't have access too thats reporting to my credit report from XXXXXX/XX/XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX Date of Birth : XX/XX/XXXX SS # XXXX Date : XX/XX/XXXX To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law.

There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Please update the following account below : Account Name : XXXX Account Number:XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours, Company continues to furnish fraudulent information to my report. This is a direct violation of 15 USC 1681.
Product: Checking or savings account

I ( XXXX XXXX XXXX XXXX ) am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX