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

About a month ago, I reached out to Capital One regarding my 360 Savings Account, which despite having a variable interest rate, has been earning a steady and paltry .3 % interest for nearly 3 years. I have been an account holder for 15 years and during that time, up until 2 years ago, my savings APR had fluctuated with the market, as expected. After years of declining interest rates, I expected the APR on my savings account to finally rise as interest rates in the US began increasing, but it never did. 

I have copies of bank statements which shows that Capital One paid the following APRs on deposits : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -.3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 XXXX XX/XX/XXXX - .3 APR As you can see, Capitol One regularly adjusted the interest rates on my 360 account until XX/XX/XXXX. Capital One then froze my so-called variable interest rate not coincidently when my APR hit rock bottom. I am happy to share copies of my bank statements in a secure portal that will protect my PII.

I was shocked to learn that while Capital One was reneging on its obligation to increase the variable interest rate on my 360 account, it had created a NEW savings product called 360 Performance Savings and only offered market interest rates to NEW customers. At the same time, Capital One failed to notify existing customers that they would no longer be adjusting the variable interest rate on our 360 savings accounts nor did they notify us about this new product that we could and should move our money to in order to receive the higher interest that we are owed. Capital One committed fraud by failing to meet their obligations to existing customers by freezing our variable interest rates at the lowest level possible and theft by holding on to our savings while failing to pay us appropriate interest. I'm sure they thought it was a clever strategy to create a new product and only pay a higher APR to new customers, which would be a small fraction of existing customers. This move undoubtedly saved them millions and millions in interest owed on existing savings accounts, but it was not just clever. It was fraudulent and theft. 

I filed a complaint with CFPB about this issue ( XXXX ) and Capital One responded without remotely addressing the substance of my complaint. As I stated in my feedback, Capital One is free to create as many new products as it likes but that does not remove its obligation to service existing clients per the terms of their agreement. It is unfair, deceptive and abusive to promise customers one thing and fail to deliver. The fact that they created a new product, 360 Performance Savings, at the same time that they stopped adjusting the interest rate for existing customers is proof that they knew the appropriate amount of interest owed to the original 360 savings accountholders.
Product: Debt collection

Ex wife used my name and ssn to open an acct while i was XXXX and she refuses to pay it and it on my credit report effecting me able to buy a house
Product: Checking or savings account

My Chase Savings account had the following unauthorized XXXX transfers : XX/XX/XXXX - {$0.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$400.00} ( XXXX XXXX ) XX/XX/XXXX - {$1.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$260.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$300.00} XXXX instant transfer XX/XX/XXXX - {$490.00} XXXX XXXX transfer XX/XX/XXXX - {$560.00} XXXX XXXX transfer XX/XX/XXXX - {$480.00} XXXX Instant transfer I notified the bank of the unauthorized activity on XX/XX/XXXX, initially {$2100.00} of the charges were reversed by Chase. However, they changed this decision and later only refunded {$1000.00} of the total {$3300.00} ( reversing the transactions from XX/XX/XXXX and XX/XX/XXXX but not the transaction from XX/XX/XXXX ). Despite several appeals and the willingness of XXXX to reverse all of the transactions per several conversation with XXXX, Chase refuse to request ACH transfers for the remaining transactions leaving me with a theft loss of {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( dated open XX/XX/XXXX XXXX XXXX XXXX ( date open XX/XX/XXXX. 
These accounts are fraudulent as well as misleading considering I did not open these accounts nor am I aware who did. Furthermore I did not request to have these fraudulent and inaccurate items reporting on credit profile which violates 15 USC 1681 section 602a and 15 USC 1681 section 604a section 2. 

Ive contacted both parties and complied with their request. All necessary documents have been submitted on numerous occasions. Still the issue has not been resolved
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XXXX, XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a lease agreement opened at XXXX XXXX XXXX IN under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under the account number XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I have been with Bridgecrest since 2017. I have paid over XXXX towards a 10 year old car. I am upside down and offered to pay them XXXX additional on the loan and company refused. They stated they don't do settlements. My payments are current and the car is not the best. I got approved for another loan. It is sad how a company shows no interest in helping their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Multiple accounts on my credit report that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020. i made an attempt to transfer {$400.00} to a company in XXXX from a branch of Citizens bank at XXXX XXXX XXXX XXXX, XXXX, PA. 
I was told the bank 's charge is {$40.00} and since the money was going through another intermediary bank ( XXXX XXXX ), i made the transfer {$410.00} in order to account for the charges by the intermediary bank so that the final recipient will receive {$400.00} because that is the minimum transfer i can make in order to qualify for the deal i was looking for. 
One later, i got informed that the recipient got {$380.00} instead of the {$400.00} and because of which i lost the deal i was to make. 
When i complained to citizens bank, they told XXXX XXXX XXXX got an amount from the transaction and that made me to lose my deal. 
I have no other option than to recall my money which will cost {$50.00} and citizens bank ready to charge another {$12.00} for me to receive the money. 
I want a refund for the {$40.00} citizens bank charge me as well as {$12.00} they will charge for the refund.
Product: Debt collection

I reached out to United Revenue corp because I saw the collection on my report. I've never had a contract nor agreement with this company. They never contacted me back with proof of a contract or anything.
Product: Credit reporting

Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX, XXXX, and Experian are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, XXXX, and Experian any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, XXXX, and Experian remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, XXXX, and Experian to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, and Experian allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, XXXX, and Experian must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, Experian, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX accounts ) XXXX  XXXX XXXX ( XXXX accounts ) XXXX  XXXX XXXX XXXX US Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXX I have also filed previous CFPB reports on XXXX, Experian, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, XXXX, and Experian have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XX/XX/year> I received an email that my American Express card was on the way. However I never requested this, and seeing as there has been fraudulent credit cards being opened in my name, I think this is also fraudulent. I received emails prior to this stating that my card was being processed as well.
Product: Debt collection

I am being charged {$300.00} for a medical bill. I have been to the same facility plenty of times with my DUAL same health insurance for almost 10 yrs and that can be proven. I have 2 different insurance I have and have been used at this health facility plenty of times
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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 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
Product: Credit card or prepaid card

On XX/XX/20 I filed a fraud charge in my Capital One card. I have received my new card. Even though I have a {$500.00} limit and only {$450.00} against it, they will not allow me to use my card until the investigation is over which could be 90 days. I made a payment on my card on XX/XX/20 for {$50.00}. I should have access to this credit.
Product: Debt collection

The account ending in XXXX, account status : COLLECTION, owner : Individual, account type : XXXX, Creditor classification : XXXX, loan type : DEBT BUYERS ACCOUNT, creditor original name : XXXXXXXX XXXX XXXX  XXXX, opened : XX/XX/2022, balance : {$4700.00}. 
Collection account : MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX I have NEVER opened an account. This is Identity Theft. Never have I given consent/authorization to open this account on my name. Have never even been to XXXX. Clearly someone is using my identity to open numerous accounts. 

I require written communication this has been thoroughly investigated/this account has been CLOSED and completely DELETED off of my credit report and want to pursue legal action against this person.
Product: Credit card or prepaid card

Initially, I was receiving a large number of emails about being qualified for " Netspend Premier / Debt Card, and after a couple weeks of these emails, I receive an actual " Debit Master Card. 
The enclosed literature informs me that XXXX HAS OPENED an account under my name with a routing # & account #, None of which I authorized. 
Having been previous victims of Identity Theft, I don't care to have any solicitations that I have not initiated. 
Your assistance in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federal protected consumer rights privacy and confidentiality under 15 use 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 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 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 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted Experian to dispute the following items on XX/XX/XXXX and as of today the items have not been updated which is past 30 days which I thought by law they were to remove the items disputed. 

XXXX  ( acct # XXXX ) is showing activity after it was closed and showing it was included in a bankruptcy XX/XX/XXXX which is inaccurate. I have asked to have this item verified and its been past the 30 days. 

XXXX  XXXX XXXX XXXX ( XXXX ) is showing a 30 day late which is inaccurate and I sent documents showing a payment receipt 21 days after the due date which is less than 30 days late. I have asked to have this item to be verified and its been past 30 days. 

XXXX ( acct # XXXX ) is showing late for the month of XX/XX/XXXX and XX/XX/XXXX and other multiple lates. This account should have no activity for the year XX/XX/XXXX since it was completed in XX/XX/XXXX. It actually states it was included in bankruptcy in XX/XX/XXXX! Even that statement alone is in conflict of a late being reported in XX/XX/XXXX! I have asked to have this item to be verified and its been past 30 days. 

XXXX XXXX XXXX ( acct # XXXX **** ) this account isn't mine and was deleted from my XXXX  credit file. it shows being included in a chapter XXXX bankruptcy which is inaccurate. I have asked to have this item to be verified and its been past 30 days.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : ATTORNEY GENERAL-CHI Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have a window loan through Greensky and XXXX XXXX. Not only has XXXX XXXX failed all county inspections they have refused to take accountability and call me back so I can get the right information and close my contract. Now I contacted greensky for a pay off statement to clear my loan and they told me I wasnt verified and my account was closed. Now that Im asking for this they are saying that their credit department did reach me, get my information and dropped the ball by not updating my account. Now they have to open an investigation and that doesnt guarantee I will be able to get this letter. However Im still expected to make these payments despite wanting to pay off the loan through my own bank.
Product: Mortgage

Caliber Mortgage constantly mismanages my loan. I received an increase in my monthly mortgage amount with no prior notice. I received a letter in the mail today telling me that my insurance ran out and since I have not secured proper insurance they have secured insurance on my behalf and are charging it to me. I purchased a townhouse where the insurance is covered by the HOA payment. I am current with my HOA payments and therefore have proper coverage for my townhome. Caliber seems to have a difficult time managing anything about this loan. During the lending process they were supposed to collect enough within the escrow to pay both HOA accounts on this property. Upon closing and because they kept changing the closing documents due to mathematical errors, they took out the escrow for the XXXX HOA 's and only took out enough for the taxes. They did not notify me of this and I found out two months after the HOA 's were not paid as they were supposed to be. I also found out that instead of paying at closing both HOA 's Caliber only paid XXXX until I threw a fit at their mismanagement of the account at which time they paid the missing HOA dues. The insurance situation is just another where Caliber obviously can not manage an account properly and I want my loan sold to another mortgage company that can manage it properly. 

I expect and demand that Caliber Mortgage refund the increase in monthly payment and all charges they assessed to me based on their false accounting of lack of insurance. They had all documents proving that the HOA covered the insurance in a more than sufficient manner to the point that at closing I did not have to show them my own policy for personal possessions. Because the closing did not require this coverage and the HOA continues to cover me ; this mistake needs to be reversed and cleared up completely. Caliber just needs to sell my loan and get me XXXX away from them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my ID to prove my identity so my case will not be close automatically. I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. I provided a copy of the class-action lawsuit to XXXX, XXXX  and Transunion they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.
Product: Credit reporting or other personal consumer reports

My credit report contains unauthorized hard inquiries that breach 15 USC 1681c-2, affecting my score. Please remove these errors. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1800.00} ; XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}, that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.