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

when applying this Bank of America credit card, their manager offered and confirmed we will get {$200.00} bonus after spending {$1000.00} in the first 90 days. We did like that, but not received any bonus, then we contacted BOA online agent, he said it only applies to unsecured credit cards. From my understanding, this is cheating and fraud, I can't find anywhere says it should be unsecured credit cards. 

From BOA statement below, which is the only condition to get the bonus : {$200.00} online cash rewards bonus after making at least {$1000.00} in purchases in the first 90 days of account opening
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attached a list of all XXXX XXXX  issued under my MPN. Ive also attached a copy of the original XXXX. Ive disputed XXXX XXXX XXXX multiple times with because the account is fraudulent. XXXX and Experian agencies have chosen to keep the account on my report while never requiring any proof from XXXX as to the validity of the information they allege is accurate. The complete list of every loan disbursed is attached. I dare you to find that loan on this list. The list by the way is directly from the XXXX. I want the account removed immediately! The creditor has not once provided proof that loan XXXX was issued under my XXXX it is fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute including FTC fraud reports were sent to the Bureaus. Account was removed. Account was reinserted a month later without the required 5 day notification. Also, account not blocked from reporting as required by FCRA. 

Account : Fingerhut
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX  XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX XXXX in fact, so be it ; As the XXXX XXXX  the company has violated my consumer rights in more than one way and has caused damage to my reputation. 

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

It is a fact, no authorization nor consent was provided to post on my credit profile.

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information.

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods.

It is a fact, that my consumer rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX  XXXX XXXX Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX NE, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( XXXX  XXXX XXXX ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX after sending hacking reports and police reports still has done nothing to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from these people last year. It was a piece of junk and did not work. I did a voluntary repo. In the repo it was supposed to be listed as a XXXX balance voluntary repo. Still shows I owe {$17000.00} with the credit bureaus. I have disputed it with the credit bureaus multiple times. Won't come off. I called today and lady told me the car had to be sold before it was taken off. I called again and spoke to a manager and she said she doesn't know why I was advised that. She said it can take quote " Several months '' when it has been six months, and wants to charge me {$15.00} to get a copy of the agreement they mailed out 6 months ago stating it was a {$0.00} balance voluntary repo. I have been denied credit because of the credit bureaus reporting that I owe them money I do not. This is a scam and I shouldn't have to pay money to get a copy of an agreement stating I don't owe them money!!!!! I demand they get this off of my credit report now!!!! I'm attaching a picture of the contract showing it was a supposed to be on my credit report as a voluntary repo.
Product: Credit reporting or other personal consumer reports

XXXX and Nelnet have no right to be sharing my report to anyone without my consent. 15 usc 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies 15 usc 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless
Product: Checking or savings account

on XX/XX/scrub> 2024, at XXXX I was transferred to Chase Customer service department to ask for a reversal of Overdraft fees that were charged to my account. The representative put into the system a request to have the fees returned to me. I was then informed by the XXXX that my request was denied. I asked for my call to be escalated to a person that I can instruct to have the fees reversed and I was transferred to a XXXX XXXX XXXX, ( spelling he gave me ) XXXX in the escalation department. XXXX XXXX tells me that he will not be reversing the charges. We are investors in Chase. While they're acting as an intermediary between the Trust and the Federal Reserve. Accepting funding from the Trust, as an investor puts Chase in a fiduciary role. It also requires acting ethically, leading effectively, and fulfilling their fiduciary duties. Chase is in breach of its fiduciary duty, when a fiduciary fails to act responsibly in the best interests of its client/investor. They are taking every deposited check, and every federal reserve note that is deposited into the Trust account and securitizing it. This was never disclosed when the account was open. This is allowing them to make XXXX 's what was deposited and giving back nothing. This is considered UNJUST ENRICHMENT. on XX/XX/year>2024, at XXXX I was transferred to Chase Customer service department to ask for a reversal of Overdraft fees that were charged to my account. The representative put into the system a request to have the fees returned to me. I was then informed by the XXXX that my request was denied. I asked for my call to be escalated to a person that I can instruct to have the fees reversed and I was transferred to a XXXX XXXX XXXX, ( spelling he gave me ) XXXX  in the escalation department. XXXX XXXX tells me that he will not be reversing the charges. I am an investor in Chase. While they're acting as an intermediary between my Trust and the federal reserve. Accepting funding from my Trust, as an investor puts Chase in a fiduciary role. It also requires acting ethically, leading effectively, and fulfilling their fiduciary duties. Chase is in breach of fiduciary duty, when a fiduciary fails to act responsibly in the best interests of an investor. They are taking every check and funds that is deposited into my Trust account and securitizing it. This was never disclosed when the account was open. This is allowing them to make XXXX 's what was deposited and giving back nothing. This is considered UNJUST ENRICHMENT. We are Instructing Chase to return the fees charged to the account. We are also requiring copies of all 1099 A 's, 1099 B 's ,1099 C 's, 1099 OID 's, filed using the Trust EIN or any Social Security # used to open the Trust account for XXXX XXXX Private UNREVOCABLE TRUST.
Product: Mortgage

My ARM mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage 3 years ago. 
Initially it was very difficult to establish an online account. 
Since the account was created I have been asked to change the password several times. 
And every time the password has changed the amount of emails that I received and advertisement by mail regarding refinance has increased tremendously. They have also accessed my facebook account with such nonsense. 
Nationstar 's recent demand to sign up in the account is to provide my social security number, which I refuse. 
They have all my information on file, there is no need for this request. 
Therefore I have not access my online account for the past two months, sending my payments by mail. 
My request is for Nationstar 1. To stop the harrassment 2. Demands of social security number is illegal and should be stopped 3. The monthly statement is incomplete ; it does not contain the length of the loan term
Product: Checking or savings account

on XX/XX/2022 at XXXX pm I called in a wire for XXXX. They told me it would be there Monday. The bank never sent it to me. Goldman Sachs XXXX  Bank never sent it to me. I called a manager up and he assured me to wait till Monday and it never came. It was a WIRE..meaning within hours.. I did it on a Friday and by Monday never received it.
Product: Debt collection

On XX/XX/2023, I received a notification ( see attached ) from a creditor. I have a problem with this because I was NEVER notified of this debt prior to being forwarded to a creditor, and it is compliant with FAIR CREDIT REPORTING ACT and FAIR BILLING ACT to first inform the debtor of the debt. This creditor FAILED to do that. Instead, they automatically forwarded the debt to the collection agency without providing me the opportunity to satisfy the debt. Additionally, this creditor has not VERIFIED this debt, thus I do not know the debt or have knowledge of ever collecting the debt. The creditor has NOT notified me of the debt, or given me an opportunity to pay the debt and has not VERIFIED the debt. I do not know or have any knowledge of this debt and thus requesting that the creditor VERIFIES the debt to me, and do not report this debt to any credit reporting agencies or else this creditor will be in violation of the FAIR CREDIT REPORTING and FAIR BILLING ACT and if the creditor reports to the credit bureaus, I will sue this creditor.
Product: Checking or savings account

On XX/XX/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions. 
I was told they would be credited they were not and I subsequently got further fees due to low balance. 
I called back again to explain the situation and was promised it would be fixed. 
I received more fees. 
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this. 
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.
Product: Credit card

I requested my credit card account to be closed in early XXXX. Despite this, the account remained open and was reported late in XXXX. Additionally, a new credit card account was opened in my name without my authorization, and charges were made to it. I contacted Chase multiple times to dispute the charges and have the incorrect reporting corrected. Chase initially stated they would fix the issue but later refused to remove the negative reporting. This has caused a significant drop in my credit score, impacting my ability to secure financing. I have supporting documentation, including statements, letters, and past due notices, proving my claims. I request that the CFPB investigate Chases failure to close my original account, the unauthorized opening of a new account, and the inaccurate reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my XXXX  credit report on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear Card Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 ) Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, Amex is now reporting it as {$0.00}. 

Enough already ... the account was Closed by Amex on XX/XX/XXXX!
Product: Money transfer, virtual currency, or money service

I have been convinced to invest in XXXX currency by showing me great return which I thought will help my family! 

I only realized the scam when I tried to get my money back and was asked to pay a lot of fees in order to get it and was never able to recover any funds! 

In all, I lost $ XXXX XXXX filled a IC3 complaint with the FBI as well as with XXXX Police Department I have asked a company to trace the funds and I will love to attach a file with all the information but it's bigger than XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and XXXX be actionable for statutory damages and punitive damages.. XXXX XXXX XXXX   XXXX, XXXX XXXX , XXXX XXXX , XXXX., XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Checking or savings account

To whom it may concern : We are filing a complaint against XXXX XXXX XXXX for withdrawing XXXX payments on a XXXX agreement. I believe the XXXX XXXX XXXX lease reference number is XXXX. 

The agreement was a XXXX equipment lease between XXXX, XXXX, ( XXXX ) XXXX and XXXX XXXX that was contracted by XXXX XXXX to XXXX XXXX XXXX for XXXX. 

The agreement calls for XXXX  months of payments in the amount of {$120.00} each, plus a XXXX-month buyout termination. Instead of ceasing automatic withdrawals after XXXX  months ( the XXXX lease term and XXXX buyout termination ), XXXX XXXX XXXX withdrew XXXX XXXX XXXX totaling an illegal and gross overpayment in the amount of {$3100.00}. 

This was during the XXXX pandemic, and we were extremely short staffed. Once I put XXXX and XXXX together and discovered the error, I immediately reached out to XXXX XXXX XXXX and the withdrawals ceased immediately, no questions asked. That, right there, is a red flag. 

We have had numerous lease agreements, identical to this one, with XXXX XXXX. With every XXXX of the agreements, we have paid the XXXX-month buyout termination fee and, after XXXX  months and XXXX payments, the equipment has become ours. 

I have reached out to XXXX XXXX XXXX on several occasions requesting a refund in the amount of the {$3100.00} overpayment that was illegally withdrawn from our account, to no avail. 

Page XXXX, Paragraph XXXX clearly states : Upon XXXX  receipt of the Prepayment Amount and Termination Fee, Customer shall become the owner of the Equipment.... 

Page XXXX, Equipment Schedule No. XXXX, XXXX. Financial Terms clearly states : XXXX XXXX XXXX : {$3000.00} XXXX ( XXXX. of Months ) : XXXX Termination Fee : The amount of XXXX monthly Lease Payments The Prepayment Amount ( XXXX payments ) and Termination Fee ( XXXX payments ) totals {$3300.00}, yet XXXX XXXX XXXX withdrew a total of {$6400.00} from our account, which reflects an illegal overpayment in the amount of {$3100.00}.
Product: Checking or savings account

I have been Chase customer for over XXXX  Years. I started with them when they XXXX XXXXXXXX, then XXXX, then Chase. In XXXX of XXXX, Chase sent me a promotion by email telling me that if I visited a branch by XX/XX/XXXX and followed the steps outlined in the attachment, I would qualify to become their private client. I visited a branch and opened a new account on XX/XX/XXXX. The understanding was that after leaving the qualifying amount deposited for XXXX  days, they would credit the account with a {$2000.00} bonus. At that time, they must have known that they were going to close my savings accounts. I had a checking account, credit cards -- which they closed in XXXX of XXXX, a premier savings account, a mortgage, and the account that qualified me as a private client, account # XXXX. Chase kept my money on deposit from XX/XX/XXXX and on XX/XX/XXXX, I received a letter from Chase notifying me that they had decided to close my accounts. XXXX days later, I received another letter telling me to ensure I withdraw all my funds by XX/XX/XXXX, XXXX weeks before the account would be eligible for the {$2000.00} bonus. That is a shady and dirty way to treat depositers, especially XXXX who was loyal to Chase for over XXXX  years.
Product: Bank account or service

Scottrade Bank promised that by opening a Scottrade Bank account I would be able to increase the speed of my transfers to and from my XXXX Account. 

After opening a Scottrade Bank account, I got a call from Scottrade 's National Service Center saying my account was going to be closed for " business reasons ''. I was furious and called the branch manager who said there was nothing he could do. 

The worst part is XXXX XXXX and Scottrade Bank did not allow me to transfer my funds out myself and instead put me in the backseat while their back office took over 6 weeks to print a check and send it, without tracking, to my address. 

Overall, very bad customer service and communication with clients. I would recommend moving your money elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Nordstrom Credit Card -- Received statement XXXX 2020 that contained a late fee of {$27.00}, though I had sent it in over a week previously. Contacted Nordstrom credit in XXXX to have the late fee removed, and signed up for AutoPay to have my entire balance paid off each month when due. 
I received a printed statement in the mail for the period XX/XX/XXXX to XXXX XXXX, 2020, due XX/XX/XXXX, 2020.  However, when the payment was due on XX/XX/XXXX, I looked online to see that my the bill had not been paid through AutoPay, so I phoned the credit card services and entered information to pay it electronically. However, I received a phone call from Nordstrom Credit Services, and the person at Nordstrom credit services told me my electronic payment didn't go through, my payment was overdue, and he had me make a payment through my bank debit card. He told me he would call the next time my payment was due to let me know if all was well. He then left me a phone message on the due date of XX/XX/XXXX2020 that said everything was OK with my account and AutoPay. Today, XX/XX/XXXX20 I received a printed bill in the mail that showed both the XXXX and XXXX due payments had not been paid from AutoPay. We phoned, asked to talk with a supervisor, who wouldn't listen to me telling her that no payment had yet been processed successfully through AutoPay. My husband, whom I authorized to speak, read her the check number once again ( this had already been checked twice before ) and verified it was the correct number I entered into AutoPay. She would not admit any mistake. Because this has been an ongoing, unsuccessfully dealt-with issue, my husband paid the the balance off in full on the phone with a credit card and closed the account, per my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still has not shown me any evidence that this account is mine. They have provided no proof of address or any other information linking my SSC or info to this account. Also, it was first reported in XXXX it is now almost XXXX. I am asking again to show me documentation that has my signature, SSC or current address linking me to this extremely old account. 

Verify the " address identification number '' associated with this account and please stop telling me the company states this info to be correct and " please '' submit to me the proof that I am " humbly '' asking for you to provide. 

On the statement you keep sending there is absolutely no proof that this account belongs to me. As a XXXX vet I am trying to obtain a home and this type of incorrect info on my credit report is not helping me obtain a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX name XXXX XXXX and number 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: Debt collection

A lawsuit was filed in XXXX XXXX alleging a debt owed. No contract was received. No credit limit is known and no Credit Card Agreement was received. I have had no business with the.Origanal Creditor nor with the Debt Collector. This is a fraud filing.