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

On XX/XX/XXXX I received an incentive email from Bank of America regarding opening up a credit card. Upon receiving that email, I went online and applied. On XX/XX/XXXX I had received an email stating that I was approved and I would be receiving awards on purchases and 0 % interest rate until XX/XX/XXXX and credit line of XXXX. 
For the several months I 've had the account, I always make my payment on time and there also have been numerous times where I paid the coconut fully and recharge the account up. 

On XX/XX/XXXX, I attempted to use my credit card at a gas station and I was told that the card was decline. I immediately called into Bank of America card decision and I was told my card was closed out due to a business decision. This did n't make nay sense. I attempted to reach out to a manager to get assistance and clarification. No manager was available to speak with per representation. After speaking with someone, I was told I could request a compliant to put in to help rectify the matter and that I letter would come explaining theirs decision. 
I never received the letter and I never heard back regarding the investigation for Bank of America. There 's a great deal of evident that suggestion 's that I was targeted and discriminated against. During that time my account was closed, IO had an substantially amount of money in my account with Bank of America ; XXXX to be exactly. On a biweekly basis I had direct deposit coming into various accounts. 
I am also following up with other agencies with regards to this issue. I was a loyal client and I did n't deserve to be treated unfairly and be target, and no one following up with me.
Product: Vehicle loan or lease

Payments for {$700.00} have been pulled monthly for the life of the loan. Last billing statement was generated on XX/XX/year> showing {$300.00} due as remaining payment. No indication on the invoice that the full recurring amount was to pull. TFS pulled {$700.00} on XX/XX/year>. Called TFS  on XX/XX/year> and was told that return payment will take a month or longer. Received email on XX/XX/year> that payment of {$300.00} was posted to the account with no reference to the overage draft. Bank account went into overdraft on XX/XX/year> due to other payments not for TFS and had to scramble to reallocate money. This is not right and TFS should not be able to pull overage amounts from its customers. I would never have even known that the overdraft and the amount pulled were incorrect if I didn't have automated notifications set up with my bank. Nothing from TFS was sent to me showing the actual amount paid vs posted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but had also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Northstar Location Services LLC on XX/XX/2020 that because of the age of a debt, they wold not sue me for it and XXXX XXXX XXXX or XXXX will not report it to any credit reporting agency, however this account is being reporting from XXXX XXXX XXXX as of XX/XX/2020. The account number referenced is XXXX XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX to even begin on this complaint. This complaint is like many that we have filed against Nationstar over the past XXXX XXXX, filled with servicing and auction fraud fraud that the XXXX either seems unwilling or unable to control in this company. A purchase offer was received on this property in XXXX of XXXX XXXX As per Nationstars protocol, the property was run through its fake auction site. Nationstar had interior photos of the property but refused to show them on their wholly owned auction site XXXX. These photos would have illustrated the interior issues with the property and would have allowed for an informed bidding process by the general public ( which raises real ethical and legal concerns ). It should be no surprise that their auction winner cancelled their purchase after viewing the inside of the property and Nationstar refused to counter the original buyer ( a buyer who had seen the inside of the property prior to making their offer ). As usual, it was made very clear to us that Nationstar was more concerned about earning a 5 % buyers premium on the auction transaction than actually mitigating loss for their investor. After their first buyer ( through their fake auction ) cancelled we asked two questions -- - would you counter the original buyer they answered no and second, would you like pictures of the property to add for the follow on auction -- - once again, they refused to inform the public of known material issues with the property prior to the auction. It should shock no one that there was not a bidder the second time around. Its sad, but they couldnt even get the property address correct on the online bidding platform. Their only remark was to cancel the short sale still refusing to counter the original buyer as they knew that they could now not receive the 5 % buyers premium. <P/>
I realize that some XXXX XXXX from Nationstar will claim that none of what we are saying is true. But for the XXXX to honestly believe that the thousands of mortgage complaints that they have received from consumers about Nationstar are untrue is fantasy at best ( they are actually changing their name later this XXXX as their brand is so tarnished due to continued servicing and origination fraud in hopes of fooling the general public ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1700.00} -This is not my account. 

XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$15000.00} -This is not my account.
Product: Credit card

***PLEASE REFERENCE PREVIOUS CFPB COMPLAINT NUMBER XXXX FIRST PROGRESS RESPONDED TO MY ORIGINAL COMPLAINT DATED XX/XX/2024 ON XX/XX/2024 CLAIMING THAT A REQUEST TO EXPEDITE THE REFUND OF MY {$1000.00} SECURITY DEPOSIT WAS SUBMITTED, HOWEVER, AFTER SPEAKING WITH XXXXSUPERVISOR TODAY, HE ADVISED THAT THERE HAVE BEEN " NO '' REQUEST TO EXPEDITE THE REFUND OF MY SECURITY DEPOSIT AND THAT IT WILL STILL TAKE UP TO 10 WEEKS. 

I WOULD LIKE TO KNOW WHY THIS COMPANY PROVIDED A WRITTEN RESPONSE WITH A BLATANT " LIE ''?! 

I WAS ALSO INFORMED BY XXXX THAT A REQUEST MUST BE SUBMITTED TO THE CORRESPONDANT DEPT AT XXXX REQUESTING THAT THE SECURITY DEPOSIT BE REFUNDED. 

I WOULD LIKE FIRST PROGRESS TO PROVIDE ME WITH SPECIFIC DETAILS OF WHEN THE REQUEST WAS MADE - IE. SPECIFIC DATE AND TIME AND TO WHAT FAX # / EMAIL ADDRESS, ETC. THE REQUEST WAS MADE TO ON XX/XX/2024? 

ADDITIONALLY, FIRST PROGRESS STILL HAS NOT PROVIDED ME WITH A COPY OF THE AGREEMENT THAT I SUPPOSEDLY SIGNED ACKNOWLEDGING MY AGREEMENT TO ALLOW 10 WEEKS BEFORE I WOULD RECEIVE MY SECURITY DEPOSIT. 

AGAIN, I AM REQUESTING THAT CFPB PROVIDE FURTHER INVESTIGATION INTO THIS PRACTICE BY FIRST PROGRESS AS I BELIEVE IT IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. 

YOUR IMMEDIATE ATTENTION IS GREATLY APPRECIATED. 

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

XXXX XXXX is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. XXXX XXXX says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.
Product: Checking or savings account

First Tech doesn't not care about it members or customers even though that what it claims on it website that " Our credit union always puts people first. '' I initiated a transfer from my external bank for {$350.00} on Tuesday XX/XX/21 at XXXX EST because that's what my current and available balance said I had in my account. Unbeknownst to me at the time, my actual balance was actually {$350.00} because they still had not updated my account to reflect the withdraw of the trial deposits from the bank I was transferring to. On my end, I already saw the withdraw line for the {$0.00} of trial deposits when I logged into my First Tech account so I assumed {$350.00} was my correct and accurate balance given that {$350.00} showed as my current and available balance. The next day I saw that my transfer had failed and they charged me {$33.00} for the failed transfer that was caused by the information on their online banking not reflecting the accurate balance. I called them severals times to see if they could reverse this fee, and they refused to reverse it, giving me fake empathy saying they understood how I felt but couldn't do anything. You can't do anything? You literally are the one setting the fee, not me. You understand how I feel? Are you a student struggling to just eat food everyday because of this pandemic? That {$33.00} represents a weeks worth of groceries for me, I bet you're not a starving student, are you? I bet you never been poor and food insecure yet First Tech claims to help their community and donates to all of these charities when they can't even help their members. First Tech sets these fees, and then try to claim that they charge these fees because their account don't charge a monthly fee, why do other banks and XXXX also not charge fees on their accounts but waive overdraft fees for the pandemic for struggling members and customers? First Tech only cares about profits, they wouldn't care if one of their members that suppose to be considered part of their community starves this week because of this {$33.00} fee, they only care about you if you're profitable to them. I'm not surprised, like the big banks, they see their customers as dollar signs and not real people that suffer. All I'm asking for is the {$33.00} reversed and they can't even do that even though this is the first time it's happening. I had to ask them to close my account as a result of this.
Product: Checking or savings account

I received an email this morning XX/XX/23, indicating a Bank of America checking account was opening in my name. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XXXX. I received a letter from the XXXX n XXXX of XXXX notifying me of that fact. Then in XXXX XXXX I got a letter from XXXX XXXX informing me that my credit line was being reduced from {$11000.00} down to {$5900.00} and cash advances of {$200.00} the reason and information was based on information provided by Experian. My credit score was as high as XXXX. During that time I sent several letters to all of the credit agencies to correct my credit files. I tried to make sure that the agencies had accurate information. After reviewing my old letters, I remembered that I also had at those credit monitoring services one with Experian and one with XXXX and they really did n't catch anything. I lost confidence in the service because one of the crooks was monitoring my account as well. 

To this day ever since I wrote letters to Experian canceling my monitoring service and complaining about their service, it seems like I 've been placed on their enemies lists. I do n't know if one really exists, but here 's what I mean. My XXXX XXXX credit limit is still {$5900.00} and {$200.00} in cash advance. I paid the balance off back in XXXX and nothing has changed since that time. Even after I got the police report and became a confirmed victim of Identity theft and I never missed a payment on any account. Wrote several times correcting everything. Experian was especially slow about updating my files until I sent a letter saying I was trying to refi my home and all of a sudden they cleaned my file up to an extent. Over the years they have continued to play games, 2 years ago I had another back and forth to remove a lien error. The exchange was brief but I sent a few letter and it really was the only negative item on my file other than card balances. I am refinancing my home now and 2 out 3 credit reporting agencies have my credit history as too short or insufficient. Experian and XXXX. Experian has my credit score at XXXX and all of the lenders are using Experians low score to quote me a loan. I got a quote from XXXX they only used Experian 's score. I got a quote from XXXX XXXX they are only using Experian 's low score and key factors on credit score form. Which states that length of revolving account history is too short. 

It seems as though Experian is retaliating against me and keeping my score at the lowest possible range score it can justify and then also obscure my credit history by throwing in some XXXX like " length of time revolving accounts have been established is too short. '' When they know full well I have an extensive credit history. I have filed a similar compliant but once i looked at my old notes I wanted to add more. XXXX is no saint either. They are telling the same lie in attempt to present me as a risky borrower despite my 27 year excellent credit history. Completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report that do not belong to me, I submitted the dispute with Experian and they system generated a response to the dispute and marked it as verified without actually verifying the account and providing the method of verification or documentation used to verify such accounts XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

HI Ntl Recovery Agency ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. I further reminded the
m that they were not in compliance as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Product: Mortgage

To whom it may concern : My complaint is stemming from the credit reporting associated with a Citimortgage account # XXXX. This is a very unique situation because Citimortgage withdrew it 's interest in the property and issue release for the mortgage. This was done without them receiving a payoff. There were circumstances surrounding this account that ultimately made Citimortgage decide to relinquish its interest in the property. In addition to that, it was verbally mentioned to me that Citimortgage will also not respond to any type of credit bureau disputes regarding this account. I inquired about getting the account removed from my credit report. I was told by one of their representatives that I can get it removed from my report by filing a dispute with the credit bureaus. I was assured that given the circumstances surrounding this account, Citi will not respond to the dispute and the account will then be deleted and removed from my credit report. 
I followed the instructions that they gave me and filed disputes and I was displeased when the account did not delete from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX* Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Product: Debt collection

collection provided a documents that have a signature that appears to be computer generated and does not belong to me
Product: Credit card

On XX/XX/XXXX I received an offer from Capital one shopping in their app that stated if I purchased a Camp Chef woodwind pro XXXX grill from XXXX XXXX XXXX through their provided link I would get 30 % cash back. Nervous the offer was too good, I used my wifes app and got the exact same offer and bought it through her link. I took a screenshot of how it broke it down on what I would get back, it said {$350.00}. So I decided to use this offer because the grill is very expensive. Within 1 day capital one tells me this purchase is ineligible. Nowhere in their app did it have ANY TERMS AND CONDITIONS! I have the screenshots, theres nothing for this specific offer. They have generic conditions under their settings but its not specific to every purchase. So I tried to cancel, XXXX refused to cancel the order. I contacted capital one, they told me that they cant do anything until 30 days have passed. Inexcusable. I have a grill I bought under the assumption I was getting a $ XXXX reward on. If I dont return this immediately to the shipper XXXX have freight charges incurred on returning a XXXX pound item. I followed every rule by using their app, buying in the app, not opening any other browsers etc. I have screenshots of everything and it doesnt say the item is ineligible, only gift cards. There is no listed exclusions about using any discounts, coupon codes or cash back limits. 

To make it more infuriating they sent me an email from capital one shopping on Monday morning telling me theyll give me 30 % back on this specific item from XXXX, but it has a {$250.00} cash back maximum. This doesnt exist to any offers that pop up in the app, it just says the amount. 

This is such a scam, they offered it to me and I bought it and now theyre trying to scam me out of $ XXXX.