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

US Bank sent out a very deceptive promotional credit card offer that on its surface sounds enticing, but which if they had marketed it honestly almost nobody would even consider acting upon. The promotion is clearly worded in bad faith to mislead consumers. 

On XX/XX/2022 I opened a letter letting me know that I could " Earn up to 20 % more cash back on purchases this spring! '' in large letters for my US Bank CASH+ credit card ( well known as a 5 % cash back card ). 
Below this was another informational box that also says " For a limited time, earn up to 20 % more cash back on purchases when you use your CASH+ ... '' Below this is a smaller box that mentions " Earn up to 20 % more cash back ( up to {$20.00} ) on purchases after you spend {$2800.00}. * '' with the footnote asterisk. 

The footnote asterisk explains that what you ACTUALLY get is that after FIRST spending {$2800.00} ( in under 2 months ), spending after that will be awarded a bonus 0.2 % cash back per dollar spent up to {$20.00}. 

This is completely ridiculous on so many levels. This is a 5 % cash back card in selected categories, and while I understand that the base cash back is technically 1 %, marketing " 20 % more cash back! '' to mean 0.2 % more cash back on a 5 % cash back card is already deceptive. Furthermore, huge letters indicating 20 % more cash back, and tiny letters at the bottom saying " first spend {$2800.00} and then {$500.00} more for your {$20.00} cash back '' is clearly deceptive. And even further, doing that math, {$2800.00} + {$500.00} spent for {$20.00} of bonus cash back is not even close to 20 % more cash back on that whole spending volume, and no combination of spending could achieve the upper bound on the " up to 20 % '' promise. 

This promotion is clearly offered in bad faith hoping that people who don't bother to read past the huge " Earn up to 20 % more cash back this spring! '' spend large amounts of money on their credit card thinking they're going to get a huge discount on their purchases in the form of cash back, only to discover that if they didn't spend over {$2800.00} in two months they get nothing, and even if they DID, all they can get is a max of {$20.00}.

Frankly ridiculous, I've never seen US Bank put out a deceptive promotion like this and I'm frankly appalled at how disingenuous it is.
Product: Debt collection

In XXXX XXXX I sent a certified letter to Sequium regarding a collection account they placed on my Credit report, to validate this alleged account. I have received no response in over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX Apartments Inquiring about a Apartment at the end of XX/XX/2020 I paid a application fee but I never moved in. A debt owed of XXXX dollars was reported by XXXX XXXX XXXX to National Credit Systems saying that I owed the debt for leasing a Apartment which I never did. I was not aware of this debt until I went to lease an Apartment. I contacted the Apartment Complex and they told me they don't keep records of leases over a year. I also had someone else to call on my behalf and they were told they was trying to find the lease. I was denied entry into XXXX XXXX Apartments because of XXXX XXXX XXXX falsely reporting that I owed this debt, which from my understanding is against the FCRA that list civil penalties for people or businesses that willfully refuse to comply with accurate credit reporting and I also understand that actual damages are limited to a range of XXXX to XXXX.
Product: Money transfer, virtual currency, or money service

I am still missing my wire transfer and it was NEVER credited to my coinbase account. Details are as follows:Name on a/c: XXXX XXXXAmount: $XXXXSending Bank: XXXX XXXX XXXX XXXXDate Sent: XX/XX/18Fed Ref for wire tracking: XXXXReceiving Bank:  XXXX XXXX XXXXRecipient:  CoinbaseCoinbase Ref #: XXXXMy telephone # XXXXMy funds have been in limbo too long and I was charged a $XXXX fee for wiring these funds. This is very disappointing & difficult to understand how it could possibly take this long to credit or deposit funds into my Coinbase account or refund my wire back to my bank acct.I have called XXXX XXXX XXXX, they acknowledge receipt of the funds and stated this is a Coinbase problem.  The only way to contact Coinbase is "online" support tickets, which they send preformatted responses to customer inquiries.  No one has taken ownership of this issue nor replied where my missing funds have gone.  Coinbase claims to be FDIC insured.  How can a bank or brokerage firm be govt regulated and operate with impunity?
Product: Checking or savings account

Year XXXX I had went into The XXXX XXXXXXXX Navy Federal Branch. I spoke with the teller and asked them that I am planning on paying of my Equity line of credit ( approx. {$87000.00} ). I specifically ask them that I have 3 accounts that were charged off and if it was going to affect me in any way, she had said no. I then asked if i should wire the payoff from my other account, the teller ( female ) had said since I am depositing a Navy federal check to my Navy federal account, it would be available the next day, it was be easier to transfer to the equity. 

Up to XX/XX/2020, I have now deposited over {$80000.00}. I log in to my account approx on XX/XX/XXXX and noticed transfers that was not authorized by me. I called the customer service and they have said it the three transfers were made to PAY OFF THE CHARGED OFF ACCOUNTS. I explained to them that I visited the branch and spoken to a banker that these funds are meant for my equity, they did not want to hear it from me. I asked them to reverse the transfers and use them accordingly to pay off the equity, they again said there is nothing they can do. 

On XX/XX/XXXX, I decided to go into the branch and remove all my funds as I did not want them to use the rest of my savings and money unlawfully. They advise me that my account has been restricted! XXXX, from thXXXX XXXX XXXXXXXX CA branch ( XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) was suppose to call me Monday XX/XX/XXXX to release my account. I have not received any calls, emails, or messages. 

How can Navy Federal take funds from my SAVINGS and checking to use them however they please. I am sure they have violated many laws and regulations by doing so. I
Product: Student loan

Sent message on XX/XX/year> because interest rate is not set at correct amount. Company responded that my interest rate should be lower because it is set on autopay. Sent another message on XX/XX/year> because interest rate has still not been updated to correct amount. Payments will be starting XX/XX/year>. Loans have been accruing interest with incorrect interest amount. This needs to be updated to the correct interest amount ASAP with all interest accrued with incorrect interest credited back to me.
Product: Mortgage

Lo and behold, flagstar bank and their cohorts XXXX XXXX XXXX are at it again, after surviving Flagstar bank dual tracking plot with XXXX XXXX tagging alone for the ride and only after I filed a complaint it seemed on the surface they were on the right track well it appeared to be. What's going on now? 1. I was told by XXXX XXXX XXXX from the office of the the President of Flagstar bank that the foreclosure is called off and I was also sent documentation that states I have certain rights and one of the right was that I am still able to sell the home if I wanted too. 2. I called Flagstar bank and requested a payoff request near XXXX and did not hear from or received any request by mail for over 2 weeks, so finally I had enough waiting and called Flagstar bank to see what's the delay for the request. I was told and I am not lying that they must have sent it to the wrong email address oh I am not kidding that is what I was told and then they had the nerve to say I have called in one day and changed my email, now this is the same deceitful behavior I had to go through with the loss mitigation process.3 To add on to the other mischievous acts I was told that Flagstar doesn't have my file and that XXXX XXXX has my file and when I called XXXX XXXX I was told that they dont have anything and that their job is just to make sure Flagstar bank XXXX their record keeping right that's it. I was told by XXXX XXXX of XXXX XXXX that they don't have control of my mortgage or file that Flag Star is referring to and he also told me and he quoted " all Flagstar bank have to do is call XXXX XXXX and call off the foreclosure and that's it. '' I had informed him that Flagstar stated that the foreclosure was off. Right now this is what I am being see sawed with between XXXX XXXX and Flagstar bank. 4. Every representative that call Flag Star bank on my behalf keeps forwarding them to XXXX XXXX for a payoff request. I think I see what's going on between the lines XXXX XXXX wants me to pay for a Sheriff sale that have not happened and will not happen and for other miscellaneous actions that have not happened. Flagstar and XXXX XXXX partnering in unlawful tactics. Just stop the lies and unfairness.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute inaccuracies in my credit report regarding my account with XXXX XXXX XXXX XXXX, referenced above. 

Account Details : Account Number : XXXX Date Opened : XX/XX/year> Account Type : Installment Account Loan Type : Secured Balance : {$0.00} Date Closed : XX/XX/year> Pay Status : Paid, Closed ; Was Paid as Agreed Discrepancies : Payment History : The account reflects that no payments were received from the date opened until its closing. This is inconsistent with the reported status of being Paid, Closed ; Was Paid as Agreed. 

Delinquency Reporting : The report indicates a maximum delinquency of 30 days in XX/XX/year> for {$25.00}. However, there is no clear explanation or documentation of any missed payments that would lead to this delinquency status. 

Inconsistent Account Status : The account is reported as Closed, yet the payment history does not provide a comprehensive view of my payment performance, potentially misleading creditors regarding my creditworthiness. 

Request for Correction : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly ask that you investigate these discrepancies and correct the reporting for this account. If the information is verified as accurate, please provide documentation used in the verification process. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please respond within the 30-day period as required by law.
Product: Debt collection

There is a collection attempt on my XXXX credit report that has just come up from cfsi/ a.k.a. Commonwealth financial systems opened on XXXX XXXX the amount is $ XXXX.The original creditor is XXXX XXXX XXXX. Someone has stolen my identity. I have absolutely no knowledge of this creditor or account and because of this I will be placing life lock on my account. It seems there should be more done on the part of the credit reporting agency to stop identity theft. Please remove this fraudulent charge from my credit report.
Product: Credit card or prepaid card

My mom purchased a NETSPEND XXXX XXXX in a store, when i wanted to use it i couldnt because it wasnt activated, i called the company and they told me that they activated. I tried making a purchase on my XXXX account thinking it would work but it didnt so I called back and they were no help and were rude and I had been on call with NETSPEND COMPANY from XXXX to XXXX on the phone. I just want my money back. It was all my savings and I cant use my card anywhere. I am so stressed and disappointed, I worked so hard to earn my money and now I cant make a purchase because the company NETSPEND is a scamming company. They have so many bad reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all the fraudulent inquiries. as listed below. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 there was engine failure in a vehicle I had financed by Bridgecrest with GAP insurance through XXXX. I spoke with several agents at XXXX and was initially informed my GAP insurance would cover the replacement engine and its parts. A few days later I spoke with XXXX again and was informed they would only cover the replacement engine but not a vital part that will make the engine work. On or about XX/XX/2019 I contacted the dealer where I purchased the vehicle to seek assistance but they were unable to assist. On XX/XX/2019 I contacted Bridgecrest and informed them it does not make sense for me to have a vehicle and to continue to make on-time monthly payments if the vehicle does not work and I am unable to drive it. I advised Bridgecrest I am willing to voluntarily surrender the vehicle. They agreed to retrieve the vehicle after I provided the repair facility my insurance company towed it to. They explained to me the vehicle would be sold and the purchase amount would be credited to my balance. I explained to them this is fine. The account was then listed to my credit report as an involuntary repossession. I filed an IL AG complaint in efforts to have the status accurately reflecting a voluntary repossession. After Bridgecrest received my IL AG complaint ( their response is attached ), they contacted me and informed me the vehicle it will still be reported as an involuntary repossession. I explained to them how could you purposely report inaccurate information to the credit reporting agencies. I initiated the surrender due to before mentioned issues. I made all of my payment on time since I signed into the contract. I continued to make my payments even after the engine failed on the vehicle. I stopped making payments once the vehicle was in their possession. Prior to this incident I did research on this finance company. Although they have many bad reviews, I still decided to go into an agreement with them. Additionally, within their response to my IL AG complaint they stated the engine was replaced by the repair facility. This is inaccurate information. The repair facility put the old engine back in the vehicle for Bridgecrest to return it. The agent at the repair facility informed me since I was not picking up the vehicle and that Bridgecrest would be retrieving it, they would not install the replacement engine because XXXX would not cover the labor costs. The replacement engine was never installed. How can they report information that is not accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On Experian it shows that the high balance is XXXX, the date of last activity is all different .Its stating on Experian the merchandise was taken back by XXXX XXXX, XXXX saying its a charge off as a bad debt, Experian is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it Shows up on XXXX XXXX and transunion Requested how did they obtain the information To verify and send me copies never received a letter or proof
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX
Product: Credit card

Banana Republic and their XXXX Credit Card. 
I pay full statement balance of {$3700.00}. In their Banana Republic Online Account it says its no longer in process the payment and posted by XXXX/XXXX/16. I call the XXXX to ask why the amount I paid is still Not available to use. They give me a Fax Number XXXX XXXX. I send the evidence from the Bank Account to the fax number. I called Again. The service rep confirmed they had it. Than they said I still had to wait 6 day because of such large amount being paid. So I ask for Supervisor. Supervisor said same thing had to wait 6 days. I told them that because I paid good I was being penalized. That this did not make sense. I was upset. What if I needed to use in hospital the card right now? So even if I was buying something that same day in Banana Republic no good also. I even try to see if by saying I would cancel the card and still Nothing the supervisor was OK to close the account. I have paid less amount {$2000.00} before and in 2 days I can use card. Today the XXXX of XXXX I went Banana Online Account and still not available the funds to use. Not even part of it. I use the Customer Online Support and XXXX XXXX said all was all in good standing. The rep told me to call XXXX XXXX. Call support rep and told them 6 days passed. Explain I called friday. They told me had to wait now 48hrs. I ask what can I do to avoid this. She recomendad not paying completely but halve and than the other halve one week later. 

I complaint base on the fact that its misleading and they are not letting known to consumers that if they paid in full it will take longer to clear than if they do not pay off completely. Also the the Online Bank statement says its Cleared and should say that it is still in process. If the funds are not going to be available yet. And also that If I send the bank evidence by fax that they should honor the request to fix and update the system to reflect the available Funds. 

I have ALL the Calls Recorded as Evidence. Also screens shots of the online Bank Account. And evidence of Fax being received. 

Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.
Product: Credit reporting or other personal consumer reports

Transunion has taken over 60 days on a dispute over XXXX XXXX that were dismissed in court during XXXX XXXX XXXX XXXX  They have refused to remove the XXXX XXXX XXXX XXXX attempted to purchase multiple times despite there being a ruling that the loans were predatory and fraudulent. My former XXXX XXXX XXXX  isnt sending them information because they are collecting loans that were dismissed by a lawsuit.
Product: Debt collection

I am a XXXX and I was exhausted one day after working a 14 hours shift and received a call from a rep from EOS. I was told I owed for a medical account that I knew nothing about. I advised the rep that it had to be a mistake because I have insurance and advised her that I was a nurse. She said according to her records it was my debt and I needed to pay this account and asked how would I like to pay today? 

I asked if I could get her information and call back? She asked why could I take care of the account today and or why did I need to call them back? I ended the call ... .. I felt very uncomfortable with the conversation and I was not going to be pressured into paying for something I did n't owe. 

I looked at my credit the following day after I got some rest and notice the account had already been placed on my credit!!! I do n't owe the debt and it was not properly validated. I never received a notice in the mail only a phone call and at that point the unknown account was already placed on my credit EOS CCA Account number XXXX
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was and is 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 great financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints against XXXX, Experian and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has Experian obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  XXXX  XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.