23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used a Capital One card to pay for a 3-month engagement with a merchant ( XXXX ). Each month, I was billed {$3900.00} in exchange for a Conversion Rate Optimization program. 

The merchant guaranteed ( in writing ) a 100 % increase in my conversion rate or my money back. At the end of the 3 month period, they had delivered only a 3 % increase. So naturally I asked for a refund. The merchant requested that I allow them a 4th month to try to deliver on the guarantee. I agreed. At the end of the 4th month, they had still only delivered a 3 % increase. Again, I asked for a refund. This time, the merchant refused to issue a refund. 

So, I turned to Capital One to open 3 disputes ( for {$3900.00} each ). I provided Capital One with all of the requested information by the deadline. A week later, Capital One rejected my dispute -- claiming that I needed to submit an invoice. It's important to note that their original documentation asked for an invoice OR a purchase agreement. I had provided the latter. 

After this rejection, I supplied an invoice and reopened the case. Two weeks later, Captial One responded rejecting the dispute once more. This time, they claimed I had missed their internal deadline. It's important to note that this internal deadline was never once communicated to me. Now, Capital One refuses to open the dispute on my behalf. 

I had a very simple open-and-shut dispute ( the money-back agreement is in writing ) worth {$11000.00}. Yet Capital One stood in my way at every turn. Their internal deadline and their failure to communicate it to me have now cost me a very significant amount of money.
Product: Bank account or service

XXXX XXXX, XXXX I was the XXXX involved in a XXXX. On XXXX XXXX, XXXX I was XXXX. I have been incarcerated since. The cessation of my sentence is rapidly approaching as I prepare to regain my freedom and life back. During the past 4 years my personal checking and savings account with Wells Fargo went into a dormant state. Due to no activity on my account the remaining funds, also that included my last XXXX paychecks and income tax return was depleted from my account. After contacting Wells Fargo and explaining my situation I was told there is NOTHING they can do to retrieve my funds. I am writing you today respectfully requesting assistance resolving with this matter. Thank you!
Product: Mortgage

My mortgage servicer, Fifth Third Bank, has failed to make any of my property tax payments and I have now received delinquent tax bills and letters from debt collectors attempting to collect my property taxes. I initially notified Fifth Third in XXXX when I received my first unpaid tax bill letter from my county. The letter stated that if the taxes weren't paid by XX/XX/XXXX, that they would be considered delinquent. I forwarded all documentation to Fifth Third Bank in hopes that my taxes would get paid, but in XXXX I then received a letter that my taxes are now delinquent. I then received unpaid tax bills from my township and school district. I again forwarded all documentation to Fifth Third in hopes that bills would be paid. As of XX/XX/XXXX, I am now receiving letters from a debt collector attempting to collect these tax payments. When documentation is submitted, apparently no one is taking the necessary steps to get my property taxes paid in a timely manner. The last home I owned was serviced by another mortgage company and in the XXXX XXXX years I owned that home, I NEVER had to call regarding payment of my taxes. Everyone at Fifth Third is " shocked '' that this mistake has happened. They've all agreed this isn't standard practice, but as of XX/XX/XXXX, my township and school taxes are still not paid and when I called today, the supervisor told me " my case manager for my escrow account has not yet looked at the item today and they will get back to me when they get a chance ''. Obviously there is no sense of urgency on their part to get this taken care of and it's truly frustrating that I have had to call so many times over the last XXXX  months to try and get my taxes paid by a company who is paid to service my loan and manage my escrow account.
Product: Credit card

Subject : Discrepancy in Credit Card ( Hilton honors card ) Rewards Program I am writing to express my disappointment and frustration regarding a recent issue with my credit card rewards program. On [ XX/XX/2023 ], I received a promotional offer in the mail stating that I would earn bonus points for registering my new credit card. Excited about the opportunity to earn rewards, I promptly registered my card as instructed. 

However, upon reviewing my account statements, I noticed that the promised bonus points were not credited to my account. Concerned about this discrepancy, I reached out to your customer service department for clarification. To my surprise, I was informed that I am not eligible for the bonus points despite meeting all the requirements outlined in the promotional offer. 

This inconsistency in the rewards program is both misleading and unfair. As a loyal customer, I expect transparency and integrity in all communications and transactions with your company. I fulfilled the terms of the offer in good faith, and it is disheartening to be denied the rewards that were promised to me. 

I kindly request that you review my account once again and honor the promotional offer that was extended to me. Additionally, I would appreciate clarification on why I am being denied the bonus points despite meeting the specified criteria. 

I trust that you will address this matter promptly and provide a satisfactory resolution. Your attention to this issue is greatly appreciated. 

Thank you for your time and assistance. 

Sincerely,
Product: Checking or savings account

I have been charged twice now by automatic payments for a car loan on a XXXX XXXX XXXX. XXXX XXXX XXXX found no error but I just received my 2nd returned check fee for another unauthorized payment dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX My BBVA USA/Compass Bank credit card # XXXX Acct statement for XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX New balance {$7.00}, due date XX/XX/XXXX Payment was made by XXXX XXXX online bill pay {$7.00} on XX/XX/XXXX Bank posted my payment {$7.00} on XX/XX/XXXX *** See bank statement and front and back of the payment check attached. 

Bank started claiming my payment was late and put the late fee and/or interest charge on my account. 

I made several recorded calls to the bank asking to stop the wrong doings! Nothing was done.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX they are reporting information that goes against my rights! 


15 U.S. Code 1666b - Timing of payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681a - Definitions ; rules of construction.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are applying for a mortgage. I froze my credit in XX/XX/2018 due to fraud on my account at that time. I tried to unfreeze my credit from XXXX and Experian. 

I was disconnected 4 times from XXXX and FINALLY was helped. They have now unlocked my credit. 

I have now been disconnected twice from Experian. There is no consistent way to contact Experian by calling a live, real person. This is discrimination against people who do not have online access. The online access account will not let me access my account, and I am afraid to create a new one because I don't want to mess anything up in the system. 

These agencies have incredible power over my life. It should not be hard for me to contact them, it should not be hard for me to freeze or unfreeze my credit reporting. The fact that these for-profit agencies can have impact over my life like this is ridiculous. They need to fix their system and let their customer service people know that they are to give customer service. I have been on the phone this morning for over two hours and my issue is still not resolved.
Product: Credit card

I am writing as a concerned customer of Truist Bank, specifically in relation to my business account with XXXX XXXX XXXX XXXX XXXX, which was offered a 0 % interest promotion for 12 months. Despite my efforts to ensure full compliance with all the promotional terms, Truist Bank recently revoked this offer, and I am compelled to address this as both a loyal customer and a consumer advocating for fair treatment under the law. 



My intent has been to comply with the requirements fully, ensuring all payments are made on time. To that end, I set up auto-pay on my account, confirmed this with a Truist representative, and requested physical statements as an additional safeguard to prevent any oversight. I logged into my account regularly, verifying each month that no payment was due and confirming that the auto-pay system was functioning as it should. Despite these efforts, a {$39.00} late fee was applied to my account without warning, resulting in the cancellation of my 0 % promotional rate. 



The situation has been compounded by my attempts to address the issue with Truist representatives. Initially, I contacted customer service and was assigned to a representative. Unfortunately, I was unable to hear him clearly due to technical issues on his end, which I reported multiple times. After several attempts on different devices and with no escalation to a supervisor despite my requests, this unresolved matter has left me frustrated and without a solution. 



As a consumer, I am protected under the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of 2009, which prohibits credit card issuers from arbitrarily revoking promotional interest rates if the customer has complied with the terms. Section 1026.55 ( c ) ( 2 ) of Regulation Z of the Truth in Lending Act further states that issuers must provide clear disclosures on conditions and can not impose unexpected fees or rate increases, especially in cases where a consumer has demonstrated good faith efforts to meet the promotions requirements. In this instance, Truist Banks cancellation of my 0 % interest rate promotion contradicts both the spirit and the letter of these consumer protections. 



I ask that you review this matter with urgency, taking into account my proactive steps to comply with the promotional guidelines, as well as the lack of proper support and communication from Truist representatives when I sought resolution. I respectfully request that my 0 % promotional rate be reinstated and that any late fees or penalties resulting from this situation be reversed. 



Please consider this as an opportunity for Truist to reinforce its commitment to customer service, transparency, and regulatory compliance. I trust that, in light of the circumstances, you will take appropriate corrective action. 



I appreciate your time and attention and look forward to a prompt response.
Product: Checking or savings account

I have been a victim of identity theft for the amount of {$1300.00} through my XXXX card from Bank of America. I live in XXXX California ( XXXX XXXX ) and the XXXX charges, adding up to the aforementioned amount, were charged in states New York and, I believe, North Carolina per the Bank of America. Of note, I have not been outside the state of California since XXXX nor has anybody else been authorized to use this debit card. Additionally, I have never used the debit function of this card. The card has only been used at my local Bank of America branch to withdraw cash, in which I then deposit into my personal bank account at the XXXX XXXX XXXX. This information was provided to the Bank of America XXXX. 

It was approximately XXXX month ago the Bank of America found " suspicious activity '' on my account. I filled a claim as those charges are obviously fraudulent. My claim was denied by Bank of America in a statement within an apparent 'form letter ' : " During our research, we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account. As a result, your claim has been denied. '' This denial is, in a word, insane. I have requested a case review and the evidence for the denial of the claim -- Other than the obvious 'form letter XXXX Bank of America XXXX to my home address. 

The XXXX fraudulent charges are as follows : XXXX. ) {$160.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$170.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$180.00} @ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$150.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$160.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$190.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$100.00} @ Love by XXXX XXXX on XX/XX/XXXX I have come to learn that XXXX fraud, through Bank of America Debit card system, appears to be widespread in California as well as Bank of America claim denials via form letters. There has been, and currently are, class action lawsuits against Bank of America for thousands of similar complaints, as compared to my own, since XXXX. Including paying more than {$200.00} XXXX in fines for claim denials through form letters. Regardless, it appears that practice by Bank of America has not abated. 

On a personal note -- I am an XXXX that was working in a large XXXX XXXX XXXX during the XXXX XXXX XXXX XXXX XXXXXXXX. I also fell victim to the acute effects of the virus, from working with XXXX XXXX XXXX XXXX, and with the after effects of 'XXXX XXXXXXXX  ' ( XXXX  ). It is why I have been out on XXXX XXXX times since my initial severe illness of that virus. This Bank of America so-called " investigation '' is a flat out insult to someone who sacrificed his health during the pandemic. 

With that said, thank you for your time, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report, as I am a victim of a data breach and identity theft. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have information resulting from identity theft blocked from my credit file. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$880.00} XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$5800.00} Enclosed, please find the following documents to support my request : A copy of my government-issued ID. 
A copy of a recent utility bill or other proof of address. 
A copy of the police report I filed regarding the identity theft. 
Any additional evidence related to these fraudulent accounts.
Product: Debt collection

ON  XXXX   XXXX ,  2017 I pulle d my CR from all  XXXX  major bureaus (  XXXX ,  XXXX ,  XXXX   ) and  noticed that a ERC  ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and   that it was established in  XXXX   2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.
Product: Credit card

I was told via email I would be charged {$1.00} for paper statements. If I received them electronically there would be no charge. So I agreed to electronic statements. However I did not receive notification my credit card payment was due. Perhaps I did. But it went to the spam folder. I do not recall receiving it. Then I received notification I missed a payment. So I called to pay. But they refused to waive the Interest of {$7.00}. Even though they waived the late fee of {$27.00}. I said I would keep the credit card if they sent me paper statements without charging for them. I got this card years ago. I should be grandfathered in to receive paper statements. i pay my balance in full every Month. And I paid the balance due and asked them to close my account as it is not worth the aggravation. But I refused to pay the interest as it is not my fault I didnt receive the notice that I owed money. They said they cant waive the Interest. Which I find outrageous. They collect fees every time I use this credit card and have made plenty of money from me. And now they want to charge me for statements and will not waive Interest charges when it is not my fault I did not receive notice of a payment due. Please make them waive the interest and stop charging for paper statements. This is for synchrony bank XXXX reward card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a handwritten letter to EQUIFAX which was received on XX/XX/XXXX2022 ( certified mail # XXXX ) describing the inaccurate nature of some accounts on my credit report and requested it be deleted immediately XXXX XXXX : XXXX : {$7900.00}. On XX/XX/XXXX EQUIFAX received an Identity theft report packet ( Certified mail # XXXX ) containing a cover letter, my SS card and a copy of my drivers license to proof it was sent by me. EQUIFAX then stated over the phone that the account in question had been removed. However, it still has not updated on my credit file and has been re-inserted. This action is severely harming my ability to obtain new credit and obtain new housing due to the impact on my credit score. By federal law EQUIFAX has ASSUMED a vital role in assembling and evaluating consumer credit and other info on me as a consumer. As a CRA their are required to exercise their GRAVE responsibilities w/ fairness, impartiality and respecting my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, XXXX, TransUnion. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) XXXX is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) TransUnion is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA Compliance Act not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that was opened by someone else not myself. I do not know who that was as I never gave anyone permission to open accounts. I went to the police department and they gave me a police report to help me with resolving this account. I have provided this infomoration to equifax and have asked them to provide me all information and documentation on this account from the source so I can provide it to my investigator but they do not give me any such information and just keep verifying the account as mine. I know this is not what they should be doing. I know they are not even contacting the source and providing them with my police report and circumstances of my situation.