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

I was a victim of debit card fraud. Person or persons made 2 purchases in Virginia. I am in South Carolina I care for my elderly mother who requires 24 hr care. I have the only card issued in my possession. The fact of the matter is someone stole my account info,3 digit security code and also pin # no one has that info except me, I did not give anyone permission to use this card. I disputed theses charges. Filed police reports called both stores and had them send me copies of receipts. I forwarded all info to Direct Express, via written error report email as well as fax. This companies failure to comply to EFTA and FDIC law is concerning and alarming. I demanded a copy of Investigation which I am entitled to under the law.Comerica and there subcontractor XXXX  which handles Direct Express debit card complaints use stall tactics such as long wait times to reach an operator to report fraud. Hang ups not able to reach dispute or fraud department which does not offer customers a fax # dangerous laps in sending out fraud paperwork ie their mail room controls the clock. Paperwork must be mailed back in 10 days. No evidence of any fraud investigation. Managements failure to return calls. So you see there are serious issues. It is not my responsibility to investigate fraud it is up to the financial institution. I have done said Investigation have receipts, filed police reports followed up with XXXX XXXX XXXX XXXX. Pushed subpoenas to view video of when fraud was committed. Also subpoenaed XXXX XXXX to view money order that was purchased. I am truly disgusted with Comerica/XXXX. All I want is my funds back I did not expect a U.S. Treasury and social security backed program that said this debit card is safeto let me down.I remain without funds going on 20 days.
Product: Debt collection

I found out about this judgement when trying to apply for a home loan, mortgage lender advised me to contact the court with this Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Investment filed in XX/XX/XXXX, left message on Court voicemail XX/XX/XXXX. I need to get a release of judgement
Product: Credit reporting or other personal consumer reports

Discrepancy on my background check County Case # XXXX Offense # XXXX Disposition : Guilty It should be Kennedy Plea which is a not guilty plea. 
Source of jurisdiction XXXX, WVXXXX XXXX XXXX XXXX # XXXX XXXX Case # XXXX Offense # 1 Disposition : Pending It should have been dropped because of plea agreement. 
Source of jurisdiction : XXXX, WV- XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

Hello CFPB, My name is XXXX XXXX and I am writing desperately to request your help. I've been trying for months hoping to resolve GM Financial 's error on my own, but the fact that my credit report was corrected and then went back to incorrect seems endless and frustrating. 

GM Financial Account Number : XXXX Balance : {$42.00} ( Wrong ) Status : Delinquent ( Wrong ) My account was in fact paid in full and closed. Below were my attempts to resolve the problem : 1. I  called GM Financial Customer Service twice in the past 2 months. The reps admitted it was their error and assured me to remove it. But no action taken in the end. 
2. I disputed with 3 bureaus. All 3 disputes were resolved in my favor and balance revised to 0. However, the delinquency came back later. 
XXXX  Report Number : XXXX ( Result attached ) XXXX  Confirmation Number : XXXX ( Result attached ) XXXX  File Number : XXXX ( Result attached ) The incorrect delinquency caused negative impact on my credit report. I'm seeking fair resolution with your help. 

Thank you very much! 

XXXX XXXX
Product: Debt collection

Reliant Capital Solutions LLC contacted me to collect a debt in XXXX of XXXX, gave me the impression they were handling the collections for the Department of Education. Company said that if I set up payment it would keep my loans from being in default and my tax return from being offset. I set up payments in the amount of {$50.00} a month and have been paying ever since. I received a notification offset from the IRS and called to inquire. The IRS informed me no payments had been reported. I called Reliant Capital Solutions on XX/XX/XXXX to inquire and they stated that they do not report to the IRS or the major credit bureaus, and that if I stopped payment they would report it to the IRS as bad debt and file suit. I set up legitimate payments with another company in XXXX of XXXX, who states they have the full amount of my student loan debt. I'm worried I've been paying Reliant Capital Solutions and the money has not been applied to my ballance.
Product: Credit reporting or other personal consumer reports

I sent a letter of validation. I did not receive what I asked for. I need proof of ownership with a my signature showing this is in fact my debt. I need a breakdown of why I owe midland the amount they show. I need proof of ownership with the purchase agreement. I sent them a letter of validation in XX/XX/year> and received attachments XXXX XXXX XXXX. I sent my letter of validation certified. They back dated all of their letters to XX/XX/year>. I did not receive any correspondence until XX/XX/year>. The letters were sent certified XX/XX/year>.
Product: Debt collection

Contacted by this company XX/XX/19 around XXXX concerning a debt in collections for around {$400.00}. I explained to the rep that I was paying all of my debt off in the order of least to greatest, I asked for her to send me an itemized bill. She said she could give it to me over the phone, I explained that I didn't have a pen/paper and would like it sent to me. She refused and got belligerent with me saying " You've already been advised over the phone! ". I told her that if she was not able to give me a paper copy of my bill, I would be reporting them to the XXXX and FTC. She again, got belligerent with me yelling " Turn me in for what?! '' I then asked for a supervisor since she obviously was having issues granting my simple request. I explained this all to the supervisor ; as well as, how I was having issues with my mail getting to me. I explained that I've had credit cards and important pieces of mail never received to my address. I stated my address to her again. She was able to see that I had bills returned back to their office. Seems like something simple that the first rep could've looked into, but instead I was degraded and yelled at. I do not want this company contacting me via the phone any longer and would like to dispute all charges they say I owe since they could not provide me a bill the first time I asked. They blatantly disrespected me ; when all I did was ask for a copy of the debt for my records, so I could pay all my stuff from least to greatest. I will also be turning them over to the XXXX   because of their poor practices. Thank you and have a great day.
Product: Credit card or prepaid card

Having recently moved, I discovered that Upgrade, Inc. will not allow me to change my address and phone number online. I called customer service and provided my date of birth, final four digits of my social security number, the final XXXX digits of my checking account on-file, and the date and amount of my last payment. They said that they were able to update the address. However, when it came to the phone number, the representative stated that they required more information. She stated that their policy was that I provide a photo of my current phone bill. The representative then seemed to indicate that this was also required for my address update. This is absurd. No bank, insurance company, business, or government agency has ever requested this level of confirmation. In fact, in my nearly 30 years of adulthood, I've never heard of such a requirement. I asked to speak to a supervisor, but was unable to remain on indefinite hold.
Product: Checking or savings account

I submitted the beneficiary form several weeks ago to reflect that my personal savings account with PenFed should have an updated beneficiary to reflect my newly created family revocable trust. However, even though I have been assured the information is correct on PenFed back-end administrative systems, my consumer portal continues to show the outdated information of my former beneficiary. My document upload reference number XXXX was done on XX/XX/XXXX and the beneficiary reconciliation was supposedly completed by XX/XX/XXXX. Two additional weeks have gone by the process is still not complete at this time.
Product: Credit card or prepaid card

This is a follow up or extension of a previous general complaint against exploitative APRs during a particularly difficult economic crisis, when the prime rate for banks is at or close to 0 %, when they have benefitted from direct government relief programs, In particular AND when banks and just about every major business is trumpeting how much and how willing they are to help and assist their customers during this crisis. 

In particular, I just got off the phone with Capital One, whose Venture One Platinum Mastercard I have been using responsibly for at least 10 years. Last Winter, I had to use cash advances to pay my rent and to buy groceries as I lost most or all of my XXXX  in my XXXX XXXX XXXX, lost my healthcare coverage ( though got on XXXX here in California ) and have recently been working full time for XXXX, so money is coming in again. But I will have a very difficult time paying down my principle with such outrageous APRs that have only ever increased over the years. I remember when even with a bad FICO score, I never paid more than 14 % and 9 or 11 % was typical. That may have been before the 2008 Great Recession, but I also remember when the CFPB came into existence with the Dodd-Frank bill and all of the exorbitant insufficient fund penalties and late fees were curtailed sometimes less than {$10.00} per transaction and usually with a limit to how many penalties could be levelled per 24  hour period. Over the years, those same fees and penalties crept back up to where they were before and where they are now - often {$29.00} insufficient fund penalties and {$49.00} late payment fees. Having conducted research on how banks and credit unions organize the assessment and collection of these fees, I know that they account for a substantial part of their income and profits, and yet, I found no credible evidence that such penalties, fees, and increased APRs have any effect on customers and consumers other than exploitation. Tools of discipline, punishment, or encouragement - as banks will claim - they simply are not. 

On the phone, the customer service rep said that she was sorry, but " there are no programs of options to decrease your APR. '' Though she did tell me of a minumum payment adjustment plan that would reduce my minimum payments -- and assess a further interest rate to the difference, in effect charging me even more in the long run for reduced monthly payments. What an insult! What a joke! 

If XXXX XXXX was able to reduce my APR from 29 % to 5.9 % for an entire year -- with no belated interest and no penalties for paying off principle early, ... then I would expect something similar from Capital One. Considering that XXXX reduced my APR after my previous complaint to the CFPB, and considering that I have been offered a ( somewhat extreme ) deal by XXXX XXXX XXXX that would send all my accounts into default while they negotiate my debt down for me over the course of 3 years, ... I am hoping that CFPB can help me remain within the standard economy and not have to take such extreme measures. 

Sincerely, XXXX XXXX XXXX XXXX, CA
Product: Mortgage

This evening I returned a required phone call received from the Executive offices at XXXX XXXX standard time. While the phone call came in at XXXX XXXX ( Afternoon ), while at work from XXXX XXXX to XXXX XXXX. It is impossible for me to receive outside calls, other than work related phone calls. In my position of XXXX XXXX, working with XXXX XXXX and relaying this information to Wells Fargo Home Mortgage. I can not receive personal phone calls, which could hinder and possibly place the contractors, with whom I observe and protect, place them in grave danger. So being released early from duty today, I was able to reach out and phone my point of contact, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Although XXXX XXXX was not currently available, I left a voicemail, then called back and spoke with XXXX XXXX # XXXX, of the Executive Offices. She relayed that XXXX XXXX was indeed not available and forwarded an email. I then phoned the office of Return Mail Operations, with whom I received correspondence today, with the date of XXXX XXXX, 2015. I spoke with XXXX # XXXX ( XXXX ) XXXX of XXXX XXXX, California, I inquired as to the validity of which offices are in correspondence with the Executive Offices. XXXX # XXXX informed me that this office serves, The Bankruptcy Department, Loan Servicing and Wells Fargo Home Mortgage. Additionally these letters are sent from what XXXX describes as the ( Back Offices ). Which there are several, but this letter was said to have came from XXXX XXXX, IA. I was said to have a balance owed of {$1900.00}, yet made deposits of {$490.00}, {$820.00} and {$1100.00}, which total {$2400.00}. In the letter it states that there is a balance of {$540.00} and that they do not accept partial payments and that the remaining balance of {$280.00} is needed. When I spoke with XXXX # XXXX, I asked specific questions as to the communication of his offices and the Executive Offices, so that I can come to the conclusion that all offices share the same information. If the payments of {$2.00}, XXXX were made on XXXX XXXX, 2015, why would I owe {$1900.00}?. When speaking with XXXX XXXX # XXXX and leaving a voicemail with XXXX XXXX, I hereby requested a full and thorough audit of all bank deposits and money placed into my mortgage accounts. The frustration that I receive on a daily basis from the Wells Fargo Home Mortgage team, boarders on bullying and harassment, due to the fact that not one person has taken the time to place an email, phone call, bank manager, anything to clarify whether or not any of these payments and or deposits have been made. I requested everything in writing, choosing not to go over my bill with someone who has not taken the time to do any research whatsoever. According to my math, these numbers from my deposits do not add up.
Product: Credit card or prepaid card

I have a XXXX XXXX account through Comenity Bank and was offered a promotional plan and was only told that I had certain amount of months to pay off the balance. I was not told that there would be what they called a " deferred interest '' charge. I have been making payments regularly before my due dates and paid much more than the minimum amounts each month. On the last month, I tried to pay the balance off before the promotional offer expired but I paid {$220.00} instead of {$230.00} as I was not aware that {$230.00} was due before XX/XX/XXXX. I was estimating the total amount to be due on balance was {$220.00} because I've been paying around $ XXXX/month which was way more than the monthly minimum due amount. I underpaid by {$5.00} and was charged {$640.00} in interest on XX/XX/XXXX. I contacted Comenity Bank on XX/XX/XXXX and spoke with one of the Supervisor, XXXX, who informed me that I had to contact the provider and have the provider waive the charges as Comenity Bank is unable to do so. I contacted the provider and the provider helped to call Comenity Bank and was told that there is nothing that the provider could do to resolve this as the interest charge is charged by Comenity Bank. I called Comenity Bank back on XX/XX/XXXX and spoke with another Supervisor, XXXX, who then told me that there is nothing that the provider can do nor can she help reduce, waive, or reverse the interest charges. The interest charge of {$640.00} is ridiculous and unfair as I was not aware that I would be charged interest for the beginning balance accrued over time. I understand I would owe interest or finance charge if I had not been paying or have missed any payments. But I have been paying regularly over the minimum amount and never missed any payment. I miscalculated on the last payment by {$5.00} and was charged {$640.00} of interest? Additionally, not only did Comenity Bank gave me false information, they were unwilling to work out any discount, waiver, or reduction of any kind due to this error.
Product: Credit card or prepaid card

Transaction Date : XX/XX/XXXX. 
My credit card was charged by a company called XXXX, {$6100.00} I have never communicated or visited in person or virtually with XXXX. 
I have no relations nor business with the company. 
I did not purchase any product or services from XXXX. 
I did not receive any product, material, or any type of service from XXXX. 
I never authorized any payment to XXXX. 
I never gave my credit card information to XXXX. 
I contacted a CHASE credit card fraud department first time in XXXX. 
CHASE contacted the XXXX and mailed me a letter from the XXXX, where the XXXX said that I made that payment to them in person. In XX/XX/XXXX, I put together a package with a letter and the airline ticket, to prove that I was on the flight from XXXX to XXXX at the time when my card was charged by XXXX. CHASE told me they will reopen my case and the investigation will take up to 90 days. After about 120 days I have been calling and emailing CHASE since XX/XX/XXXX. After my constant calls and emails to CHASE asking for the status of their investigation, they finally responded yesterday, on XX/XX/XXXX. In their letter, CHASE told me again that the transaction was legitimate and refused to refund me my {$6100.00} ( plus over {$1500.00} APR of 14.99 % in the last 23 and half months. ) Please help me resolve this fraud transaction and get my {$6100.00} from CHASE plus the interest. 

Please stay safe Warm regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : Discharged CH-XXXX  Reference Number XXXX The following Inquiries was not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Debt collection

I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked as late per the attached dispute letter. I do not feel this is accurate. Can you please provide me with more information on how his information was verified with XXXX XXXX?
Product: Mortgage

On XX/XX/XXXX I contacted Nationstar Mortgage ( Mr Cooper ) that they illegally placed wind insurance on my escrow account on XXXX of XXXX and XX/XX/XXXX even though I had wind insurance on my policy. They gave me a hard time when I called in saying that I don't have wind insurance, even though my agent told them i did and it is written on the policy. My XXXX account was always short according to them, it increased $ XXXX in XXXX and they wanted to increase it again in XXXX. I told them that they illegally put it on my account and they stated they sent a letter to me asking if I had this type of insurance. I told them I never received a letter and my homeowner 's insurance has had wind protection for XXXX years, and just now ( XXXX ) they place wind insurance on my account. Nationstar ( Mr. Cooper ) owes me {$3.00} for XXXX of XXXX ( {$1700.00} ) and XXXX of XXXX ( {$1800.00} ). I told the lady that Nationstar ( Mr Cooper ) was ordered in a class action suit a few years ago to pay {$54.00} XXXX by falsely putting wind insurance through the escrow accounts. I want this refunded immediately and the company fined for this illegal action. They had to change their name their reputation was so bad, and they are back to the issues that caused them problems. My loan was sold to Nationstar ( Mr Cooper ), i would never use this company for any type of loans.
Product: Debt collection

The account as per XXXX XXXX  stated the account was opened in 2018. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

XXXX XXXX
Product: Credit card

This creditor has violated my rights under 15 US C 1681 section 602. States I have the right to privacy 15 US C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish account without written instructions under 15 US 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I came to notice about the inaccuracy after I the consumer was denied the right to extend credit. on XX/XX/2023. I reached out to XXXX, XXXX and transunion. To inform stated financial institutions. as defined in 15 usc 6827 ( 4 ) ( a ). they are financial institutions as these stated consumer reporting agengies have relationships with financial institutions by being service providers. under title 15 chapter 94 subchapter 2 congress states it is a violation to obtain or attempt to obtain, or cause to be disclosed to any person, customer infomation of a financial institution relating to another person. not only is the stated reports listed in the affidavit that i have in the attachments section of this complaint not owed. XXXX, XXXX and transunion has violated my consumer rights by not informing me of my rights to opt out. Nor did i consent to any of the following transactions or reports listed in the affidavit in the attachments sections of this complaint. this is an infrigment upon my rights. I the consumer was never contacted to ensure accuracy. Therefore no intial investigation was conduted immediately to determine if the reported infomation was accurate. 15 usc 1681 ( a ) ( 4 ) states " There is a need to ensure fairness, impartiallity, and respect for my right to privacy.
Product: Credit card

Im having the same issue I had already reported once before with Comenity Capital bank, first it was with my Sephora Card and its still happening with my XXXX as its the same bank. 

Ill try to make a payment the day its due online and their server or site will be down and will not let me log in, I took a screenshot of what it looks like too. And I got charged a late fee because I couldnt make my payment that day. 

However, the next day its up and running just fine. Theyre a horrible bank to consumers. I tried calling and it automatically says that my account is not eligible for a courtesy late fee waiver. The one time I asked for it last year, they didnt even offer a full late fee wavier, they gave me a freaking discount? Which only took off like a few bucks which is insane to me because other banks help you out and waive the full late fee amount. 

Id also like to note that this is not the first time this is happens with my XXXX card, Ive gotten charged plenty more late fees for the same reason.