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

Complaint : Capital One has unfairly paid me a lower rate of interest than other customers for several months and refuses to reimburse me for the lost interest. 

On XX/XX/2022, I logged into my Capital One 360 Saving Account to review activity. I noticed on my most recent statement that I was only earning 0.30 % APY on my funds. However, on their website, Capital One was advertising that they offer 3.00 % APY on all funds held in Capital One savings accounts. 

I immediately called Capital One savings customer service to inquire why I was being compensated far less than their advertised rate. The customer service rep explained that my account had been discontinued some years prior and, because of that, the interest rate was never updated. 

The customer service rep explained that I should have been notified of the discontinuation. I searched my records ( email, phone, text ) and I have absolutely nothing about updates to my account. I asked the customer service rep to retroactively amend my account status and reimburse me for the interest lost but was refused. 

After lodging a complaint with XXXX ( as requested on the BBB website ) I was informed that no notification was ever sent to me regarding my account status and that they refuse to reimburse me for the incremental interest I did not receive. 

I find this practice extraordinarily underhanded. I suspect that Capital One is intentionally opaque and deceptive about account servicing with the hope that their customers will not notice that they are receiving a far lower rate of interest than they are paying other customers. When Capital One discontinued my account, I should have been notified, and automatically placed into an account that pays a market rate of interest. Instead, I am out several hundred dollars of lost interest payments. I suspect other customers have suffered this as well. 

I hope to hear your thoughts on this. Please let me know if you need additional information.
Product: Mortgage

First Citizens Bank accepts payments online for HELOC loans. When an extra principal payment is made online, before the loan 's interest due date, First Citizens Bank takes all of the interest that would be owed up until the next interest due date out of that principal payment. First Citizens Bank does not offer a way to make a principal payment only online and they are not re-amortizing the loan before taking interest. Your next interest payment should re-amortizing based on the new outstanding balance. First Citizens Bank is taking future interest that has not yet accrued out of all HELOC loan payments made online. If a customer does not realize First Citizens Bank is doing this, and go in and request they payback the overcharged interest, First Citizens Bank keeps the extra interest they took. This, in my opinion, is stealing from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. Thank you.
Product: Credit card

Please see the attached word document for this text below as well as the relevant screenshots of the rewards missing ( ~ {$750.00} each on two accounts ) Dear CFPB Team, I am writing to formally lodge a complaint against US Bank regarding the unresolved disappearance of points from my XXXX XXXX XXXX  : the US Bank XXXX XXXX XXXXXXXX ( central billing acct XXXX ) the US Bank XXXX XXXX XXXX XXXXXXXX ( central billing acct XXXX ) I had met the initial spending requirements for the bonuses ( XXXX for XXXX and {$750.00} for the other ). 
Upon initiating a central billing account change for streamlined management, I was assured that my rewards points would remain intact. However, XXXX points from each XXXX in totaldisappeared after the change. Following this, I reached out to US Bank, where I was informed that this is a known issue at US Bank when trying to move away from a XXXX XXXX account but the points would be reinstated within XXXX statement cycles. However, even after this time period ( now XXXX cycles ) has passed, the points remain missing. 
I have attached the following documentation as supporting evidence : 1. Screenshots of account balances before the central billing change, showing the points accrued in each account.

2. Documentation of recent statements or account summaries showing the missing points balance after the central billing conversion. 
This appears to be a general known system issue that US Bank is known to have but one where the bank does not generally pay attention to. I would appreciate the CFPBs assistance in facilitating a resolution with US Bank and ensuring that the missing rewards points are restored to my accounts as promised. 
Thank you for your attention to this matter. US Bank has offered great products, but its just a case of needing some help from CFPB to push them to fix some archaic systems. Causing this issue. 
Sincerely, XXXX XXXX For the screenshots, ensure they include : 1. Account balances or rewards summaries showing the original points for both the US Bank XXXX XXXX and XXXX XXXX accounts. It looks like the points associated with these accounts had been wiped out. 
Screenshot for Business XXXX XXXX ( {$760.00} ) this can still be found when clicking rewards in the central billing account XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) this can be found when clicking in the central billing account XXXX Recent statements associated with these accounts. I believe that after a statement it looks like new points are posting properly, but Ive yet to redeem any points until I can get US Bank to look into the system and resolve the overall issue so its easier for them to reconcile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Debt or credit management

In 2023 my information was stolen was lost and stolen someone use my information to collect money through cash app I called Cash app I reported it {$200.00} and more dollars will take it out of my account cash I close my account and still have not open it and refused to pay me my money that was stolen I made a complaint several times but still to no avail does Cash out wants to open my account they have my account Frozen and still have not paid me the money that was stolen I've explained this now I found out that someone has used my cash app information use my identity information and I have a 1099 form someone has a company a business and a tax identification number all this information will send to my address I have that as proof I don't have a company I don't have a business and I wish this to be settled and I wish for cash app to pay me it's been 2 years almost in cash I still have my account Frozen because of illegal gambling or because of someone use my account with without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a collections account has violated my rights.

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Nordstrom lied to me, the CFPB ( ref Complaint Number XXXX ) and the Kansas Attorney General in order to conceal a fraudulent conspiracy resulting in a {$10000.00} taking from XXXX XXXX, an innocent 3rd party, by knowingly issuing a fraudulent XXXX. 

Additionally, Nordstrom 's maintains " The notes confirm that in XXXX of 2007, XXXX XXXX requested to take over ownership of the account. '' No reasonable person would have " faxed '' a request to assume a {$33000.00} debt, especially from their ex-wife. No law abiding bank would accept such a fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX - HOMEDEPOT CONSUMER CARD REPORTED TWO LATE PAYMENTS WHEN I PAID CARD IN FULL IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C. 1681 SECTION 602 SAYS 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Mortgage

On XX/XX/XXXX I sent a cashier check to pay off my loan with CMG Financial Mortgage. The cashier check was for {$170000.00} to pay off loan of {$170000.00}. I was expecting money back for the difference. I followed their instructions on where to mail the check. Because of blizzard in New Jersey the check arrived on XX/XX/XXXX or 15 days after I mailed it. The instructions said that if check was not in full that they would make up the difference with the escrow on my account. It was 15 days late and instructions said I would be charged {$21.00} each day it was late or {$320.00}. I should have been charged the original payoff of {$170000.00} plus $ XXXX {$170000.00} minus the {$170000.00} of my cashier check and they should have taken off {$66.00} from my escrow account. What they did was sent me back cashier check with letter that said I was short of the payoff amount. 
They caused me a lot off stress so I ended up paying off the amount of {$170000.00} by wire transfer on XX/XX/XXXX. This delay cost me more money. If they would have taken my cashier check on XX/XX/XXXX when it was received as per USPS then it would have been taken care of then and the amount due of {$66.00} would have been paid with the escrow funds in my account. There was over that amount in my escrow account.
Product: Credit reporting or other personal consumer reports

I request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report.Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt.I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened as a result of unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the CEO, disputed the late payments, and as a result late payments keep coming off and on my report. In according to the FCRA they have violated my rights under 15 usc 1681section 602
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on ad account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for ( XXXX XXXX. My account number is XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several entries on my credit report, which I believe are inaccurate, unverifiable, and potentially fraudulent. Upon reviewing my credit file, I have found multiple discrepancies that are causing me significant distress. Your agency has failed to comply with the requirements outlined in 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

Additionally, under 15 U.S. Code 1681i ( 5 ), you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during your reinvestigation. If you are unable to provide verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the associated information must be removed from my credit report.

Furthermore, I do not recognize any of the creditors or debt collectors listed on my report and have never entered into valid agreements or transactions with them. These accounts may be the result of identity theft or other fraudulent activities, and I request that you expedite your investigation to prevent further harm, loss, or damages.

In addition, I believe my privacy rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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. 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.
Product: Credit reporting or other personal consumer reports

Accounts and Charges are popping up that i did not authorize XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose Collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit card

I was checking my credit report and I noticed there is incorrect information I have never seen before. You reporting negative accounts. I dont have a contract with them, also I have never received a phone calls or mail about these items. Please review my credit report and delete the accounts are listed below XXXX  XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX As you can see on the report, you marked 30 days late, than account closed, than 30 days late again. This information is incorrect. I dont have this card and never applied for XXXX XXXX XXXXXXXX date opened XX/XX/XXXX I have never had this credit card, so this account never belong to me XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX I have no idea where is account come from. I dont have this car loan!! I dont have anything from this company I believe that someone have my personal information and applied for it without my knowledge I always pay on time, I have a good standing credit history. Please delete this information as soon as possible
Product: Credit reporting

Company GRANT & WEBER- Original creditor- XXXX Account no. XXXX Date Opened : XX/XX/2011 and reported date : XX/XX/2011 This is a medical bill for XXXX Hospital and should not be on my credit report. Bill should have been sent to my health insurance companies. I was covered a XXXX percent under medicare and medical. Please find the attached coverage information