23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

JPMCB CARD SERVICES is in violation of the several CARD Act policies, and I would like to have this alleged account reviewed, modified or removed from my personal private consumer report. 
The following CARD Act violations apply : No interest rate increases for the first year. 
Credit card issuers generally can not raise interest rates, or any fees, during the first year an account is open, except when a variable rate changes, a promotional rate ends or a required minimum payment is more than 60 days late. 

Limits on fees and penalties. 
Over-limit fees. Cardholders can not be charged over-limit fees unless they give express permission ( opt in ) to the card issuer to approve transactions that exceed their credit limits. If permission is not given, transactions that exceed the credit limit most likely will be turned down. Without opt in card companies cant charge over-limit fees. I never gave express permission or opted in with JPMCB Card Services, but I was charged excessive fees. 

Double cycle billing. 
Although this act is prohibited, JPMCB Card Services included the previous billing period when calculating the amount of interest charged in the current billing cycle. 

Billing Statements. 
Delivery of statements. Credit card companies must mail ( or deliver electronically ) credit card bills at least 21 days before payment is due. If there is a grace period, the grace period must extend for at least a 21-day period from when the statement is mailed.

Also, Minimum payment warning. If you carry a balance, card companies must print on your billing statement the time and total interest it would take to pay off your current card balance if you only make minimum monthly payments. The bill must also disclose the monthly payment required to pay off the card balance in three years ( 36 months ). This is called the minimum payment warning, and it is designed to show cardholders how they can get out of debt more quickly by paying more than the minimum. The disclosure also must include a toll free number for credit counseling and debt management services. I was never afforded these requirements.

Finally, 15 USC 1666b ( a ) - Timing of 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

Please remit my 1099-C so I can properly do my tax return. Once received please send the completed 1099-C to XXXX XXXX and the treasury. Also send documentation that you sent the 1099-C over to the treasury. Also, send back all legal tender because that is not a lawful form of payment. The securities you accumulated from the asset backed note should take care of that. The obligation of debt goes to THE UNITED STATES OF AMERICA. XXXX XXXX signature on the document also proves that the debt is already paid for. This was not expressed to the entity upon signing. If you don't understand please read the emergency banking act of XXXX and Indenture Trustee act of XXXX. Do not take any adverse action or lawful action will be taken. Respond as soon as you get this preferably within 5-7 business days. Thank you.
Product: Credit card

Re : Bank of America XXXX XXXX XXXX XXXX, 0 % Promotional XXXX on balance transfers or cash advances. 
XXXX. I have been a BOA card holder for many years, and have always paid my statement balance to avoid interest charges. 
XXXX. BOA kept promoting to me a 0 % XXXX on cash advances for 11 months and I decided to take advantage of the offer for a remodel. 
XXXX. I called BOA to better understand how the promotional APR would work since I have other balances on the card and how the payments would be applied so that I may take advantage of the advertised 0 % APR for the entire term. I was told, as long as other balances are paid, above and beyond the promotional APR balance, there would be no issue. 
XXXX. My first statement after accepting the promotion, I received interest charges, despite paying the balance of the prior month. 
XXXX. BOA did a 1-time courtesy credit for the interest fees. 
XXXX. My new statement balance was {$18000.00}. I called BOA to find out and confirm what amount do I need to pay to avoid interest charges and still take advantage of my promotional APR, I was told {$13000.00}, how does the math work??? 
XXXX. These are scams and deceiving practices by the bank! I would have never taken advantage of the " offer '' if I knew it was just a way for the bank to start charging me XXXXR on my other transactions.

8. There should be a clear distinction between the APR balance and the balance subject to interest and your CC statement should reflect the minimum payment required to avoid finance charges. Otherwise, this is false advertising and a scam. 
XXXX. As a consumer, I should not have to perform mental and mathematical gymnastics to avoid interest fees. 
XXXX. I have been a responsible consumer, paying my XXXX statement balance in full each month only to be scammed by the bank to start paying more interest. 
XXXX. I have called, have been hung up on, have been told I did not understand the stipulations of the promotion, etc., and so on by multiple reps. But that's just like throwing words into the ether, pointless. 

What recourse or protections do I have as a consumer?
Product: Vehicle loan or lease

I repeatedly ask for monthly statements for XXXX months thru a Letter attached to the payment, I NEVER got a reply at least as a courteousy to a customer. 

My regular monthly payment is {$720.00} plus i added {$470.00} applied to Principal for a total of {$1200.00} monthly. 
Thats why i need monthly statements to track the Principal balance. 
Please help to make Valley Bank comply on my request Thank you in advance
Product: Credit card or prepaid card

I applied for a credit card that was declined for a prior delinquency that I never knew existed. I sent written communication about my issue, and they just sent the same notification back with no new information, so I filed a complaint. After filing the complaint, I was contacted by a representative who informed me that I had charged off a business credit card account with them. 

It turns out that on the day that I closed my business account in XX/XX/2020, another purchase posted to my account from a XXXX subscription. I could no longer access my online banking at that time because B of A removes it from your login once you close the account, and so I never saw that I had a bill due. I never received a statement in the mail either. So I never knew this charge existed. 

I called the recovery department, who said they could not waive the fees and interest and let me pay off the single charge from XXXX, so I asked ot talk to a specialist. The specialist asked for the business address, and when I gave it to her, she said it was incorrect. So that means B of A had the wrong address on file for the business, which further proves that I could not receive any of these statements. 

On that call after she would not agree I had given the correct address, she goes " one sec ... '' and then transferred me to an international commercial credit rep who had no idea what was going on or how to help me. Basically this woman refused to help me and just sent me down another IVR rabbit hole. HORRIBLE CUSTOMER SERVICE. 

This was a fluke timing issue where they posted a transaction after my account was closed and never told me about it. I just want to pay for that transaction and move on. There is no way I am paying months of interest and fees on a transaction that I never knew about. I have never missed a payment in my entire life on any card from any lender, and you can see that on my credit report that was pulled for my recent card application.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Therefore, I respectfully ask that it be promptly removed from my credit report. 

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

n accordance with the Fair Credit Reporting act Convergent Accounts : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XX/XX/2024 I received a spam of emails ( around XXXX ) which is highly unusual and in one of those was an email from XXXX XXXX XXXX XXXX stating thank you for your recent payment and here is your receipt. I immediately knew something was wrong as I did not know who the company was. I checked my credit card statement online and sure enough there was a charge for {$1800.00}. I locked the card online and called Bank of America to report. They said they would send me a new card and investigate the charge. The charge was removed from my statement. On XX/XX/2024 I received a resolution letter stating I owed. They stated that my address matched in XXXX XXXX in which I stated that is my old address and why would use my old address if I'm currently using my credit card. I called on XX/XX/2024 to complain and reiterate that I did not authorize this payment and have no idea how whomever did have my information. They said they would reopen the case. I called again on XX/XX/2024 as the call the day prior I did not receive a new case number. Again, I reiterated I do not know this charge. I checked my account today XX/XX/2024 and it says resolved and that I still owe.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Debt collection

this company has continued to collect on a debt that is not mine the account was created as a result of my identity being stolen i have had to get a police report id theft affidavit notarized and i gave them copies of my id and ss card all of this i emailed to XXXXXXXXXXXX and faxed to them as well @ XXXX about this fraudulent account that needs to be removed
Product: Money transfer, virtual currency, or money service

In regards to my previous complaint against Bank of America the issue havent resolved. What am supposed to do? You are saying my complaint is closed and I am left without any help to fight this giant Bank of America by myself I need your help. I am having health issues money issue and all my money is gone please help me please sir or mama I need some resolution from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a closed credit card with a balance of {$1800.00} opened on XX/XX/XXXX on my XXXX credit report. At this time, there's no partial account number being reported. That account does not belong to me as I was a victim of identity theft. Last year, that account was removed from all my credit files. However, in XXXX of this year it showed again at my XXXX  credit file. 

Enclosed is a correspondence from XX/XX/XXXX that Bank of America is saying that the account is not reporting to the consumer reporting agencies. However, in XX/XX/XXXX the fraudulent account showed up on my credit report once again. 

Please help me resolve this matter. I have tried multiple times to contact bank of America to remove that account from my credit file. I also contacted XXXX to remove and block that account from my credit file but I have been given the run around. Both the credit card company and the credit bureau are reporting wrong information on my credit file which vilates my consumer rights under the Fair Credit Reporting Act. 

Please help me resolve this matter. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : FEDLOAN Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
US DEPT ED Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/20 I tried to get pre-approved for a mortgage through my credit union. I was told I was unable to get aproved and that my Equifax credit report was much less that I anticipated. I called Equifax, after placing a dispute and waited on hold for nearly an hour before getting hung up. I called back, waitied another 70 minutes and finally got through to soneone who had no clue how to help me. I asked to speak to a supervisor, who i was placed on the phone with. Agian, after asking some questions he hung up on me as well. It's crazy to believe these representives, who barely speak english and have limited ways to help are the solution to trying to get help and ultimately a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

THE COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE AN ACCOUNT THAT WAS OPEN IN MY NAME VIA FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.
Product: Vehicle loan or lease

I purchased a new Harley Davidson motorcycle in XX/XX/XXXX. During the loan, on separate occasions, I have to seek a forbearance for XXXX payments that were to be rolled to the end of the loan. This moved my expected pay off from XX/XX/XXXX, to XX/XX/XXXX. I receive XXXX calls per day from Harley Davidson Financial services on my cell phone regarding payments. This has been occurring for the last 6 months. I have requested a payment history, but the company refuses to provide one. The company states I still owe over {$9000.00} towards the principal on the loan. I only financed {$17000.00} at the start of the loan and my payments are {$360.00} per month. After 6 years of payments, the company is claiming that my balance has only decreased roughly {$8000.00}, although Ive paid over {$26000.00} in payments. By their numbers, it would add another XXXX years of payments onto an already 7 year finance period. This can not be accurate.
Product: Payday loan, title loan, personal loan, or advance loan

I was sent a pre-approval and I am still receiving pre-approvals but when I went to apply I was denied. They have been and are continuing to harass me through email and XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

This is not a duplicate complaint ; Carrington has not resolved the escrow issue.!!! Payment {$1300.00} payment XX/XX/XXXX then raised to {$1700.00}. 1. Carrington has been fudging the escrow amount by {$150.00} per month since XX/XX/XXXX citing escrow shortage this is unjustified. There have been 2 independent reviews. Carrington states escrow is {$620.00}, property taxes {$2000.00} XXXX = {$160.00} the property insurance $ XXXX {$290.00}. Taxes {$160.00} + $ XXXX ( {$460.00} ) $ XXXX ( {$150.00} ) Why and where is the additional {$150.00}. Applied to the yearly amount for the escrow balance is resolved during the month XXXX. I am requesting a refund of the XXXX, back to XX/XX/XXXX, which is estimated XXXX. 
2. This account has been under review since XX/XX/XXXX during this time period Carington has charged multiple late fees and did negative credit reporting which I believe they corrected but did not refund any late fees are charges. To resolve this issue please review the escrow and the amount that is actually being charged. A refund is due for the over overpayment in the escrow back to XX/XX/XXXX and the multiple late fees. 

3. Carrington is not following basic escrow practices example if there is a shortage say XXXX the mortgage practice is to divide by 12 which would be XXXX which is added to the mortgage, never 2 times escrow, this practice from Carrington is unethical and causes undue stress of an increased mortgage payment that is unjustified! 

XXXX the escrow should never have a shortage in relation to taxes because I am on the reduced senior citizen exemption!
Product: Debt collection

Capital Link Management employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.
Product: Debt collection

XXXX XXXX XXXX XXXXView All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage 227 % Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$1600.00} Monthly Payment {$130.00} Past Due Amount {$200.00} Highest Balance {$3600.00} Terms Revolving Responsibility Individual Your Statement - Comments Subscriber reports dispute resolved - consumer disagrees MULTIPLE CHARGES WERE MADE TO THIS CREDIT ACCOUNT WHICH WAS THE RESULT OF IDENTITY THEFT. CREDIT ISSUER CLOSED ACCOUNT WITHOUT NOTICE TO CONSUMER, AND REFUSES TO CLEAR CHARGES OFF OF ACCOUNT. CONSUMER DISPUTES ALL EXISTING AND FUTURE DEBT OWED TO CREDITOR.
Product: Credit card or prepaid card

I had gone to this store before for tires just paid it off been a citi customer longer. Went to see why my brakes were grinding on XX/XX/XXXX was told one rotor got stuck but BOTH had to be replaced both sides. that is not necessarily true i found out after i signed the receipt. Signing the receipt may be legally important but it says i received goods not that i cant dispute the pricing or the accuracy of what i was told when i was there. anyway i was charged XXXX it should have cost about XXXX my research reveals AFTER i was there. Further both sides did not have to be replaced. I feel very uncomfortable now i wont return there and i feel the parts were marked up way too much. i want XXXX dollars back or thereabouts.i have rights. I asked over and over if this was the only way to go. at that price etc both sides and i could not find out just how much they overcharged me on parts til after i left. I did write them a letter with no response the store. -XXXX XXXX I am unable to use my card now until there is just resolution
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The XXXX failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.