23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Provident Funding. We sold our home. It closed last Monday on XX/XX/2019 at the law offices in XXXX, North Carolina. The payoff was received by Provident Funding on XX/XX/2019. Provident had evidently quoted a XX/XX/XXXX payoff to the attorney 's office, and I just found out today that Provident refuses to process payoffs if they are short by even a penny. They returned the payoff to the closing attorney. Mr. XXXX XXXX of Provident informed me today that the payoff was short and I needed to give him a phone pay equal to {$24.00} per day for each day after the the XX/XX/XXXX payoff. I did that. If the attorney does not return the funds today he said he would be calling me back again to get all the additional days of accrued interest. I called the lawyer and they confirmed that Provident returned the payoff in full to them and they are sending it back to Provident again today. Mr. XXXX told me they really do not care what other banks do because they have their own internal policy. Why in the world could Provident not just go ahead and process the payoff, then hold the account open until the borrower pays the remaining balance full? Why the many days of higher than necessary per diem interest? It's their policy, and it's a bad one. In this case I continue to pay interest on {$260000.00} when I really only owed them one day at {$24.00}. It's not criminal, but it's not the correct way to handle a payoff, either. It's just a BAD internal policy and unfair to any consumer.
Product: Credit card or prepaid card

My account was closed because I called on the XXXX about a transaction I didn't make and all my netspend prepaid debit cards were deactivated. My social security benefits posted the XXXX, and they closed my account on XXXX XXXX day. XXXX. 
I have been with netspend prepaid card since XXXX. My social security XXXX check goes direct deposit to my account. I had no access to my funds which my family depends on I am single mom of XXXX children. I called and the representatives told me different things. 
I don't even clearly understand why they closed my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that Ive been a victim of identity theft. I am not liable to the debt with XXXX XXXX or any of these hard inquiries to that has been shown on my Equifax consumer report. I do not have any contracts with this collection agency or these companies, I did not sign any paperwork with the collection agency called XXXX XXXX or these companies with inquiries on my name. They did not provide me with the original contract as requested and is in violation of the FCRA subsection 1006.30a and because of this inaccurate information this is a violation of law 15 USC 1681 s-2. This has been an inconvenience to me and my family. I would like this to be removed from my report as soon as possible thank you.
Product: Checking or savings account

I was at the regions Bank on XXXXXXXX XXXX XXXXXXXX XXXX about XXXX in the XXXX I proceeded to put my {>= $1,000,000} check into the deposit smart ATM after the interactions and the going through the prompts the machines spit my card out but it did not give the check back there was no funds loaded to my card there was no check cashed I didn't receive any money and the check did not come back out of the machine and so I am XXXX off it was a check for me to go and pay the down payment on my house today at XXXXXXXX XXXX I was supposed to meet my realtor and I had to call and save that I have no money nothing out of XXXX I'm XXXX off I would like something done about this I need to get my money back my house is on the line it's my first time home buyers and it was going to be a good day today and then this XXXX happens what the XXXX  I want my money back I want it now
Product: Credit reporting or other personal consumer reports

Companies are reporting information that I believe is incorrect. Due to the fact that there was a data breakdown and breach of over 3 billion Americans
Product: Checking or savings account

My capital account ended up closing a few months ago and I called about my funds being released and they said that they would be sent out. Weeks gone by and no close out check ever arrived. I ended up calling a month after and they told me that they escalated the case and the team would work on it.. more weeks and month go by and they tell me that the funds are still to be held and they will let me know when they release the funds. I asked when would they be released and they never gave me a timeframe? The clothes check was supposed to be a little over {$1000.00} and I still have yet to receive it
Product: Credit card or prepaid card

American Express is refusing a welcome bonus for the XXXX  XXXX  despite me never holding the card, and my current AMEX products being in good standing and receiving a large portion of my spend ( nearly XXXX last year ). The reasoning they give me is inappropriate, the only times I stopped using any previous Amex product ( Delta Gold ), was to instead put my spend on the more expensive Amex product ( Amex Gold ) instead. Customer service basically told me that it sucks, but it is what it is, and that the " system '' makes its decision and it can not be appealed. The terms for denial of bonus are too vague and anti-consumer, as it gives the company license to deny bonuses for any reason, without giving the customer an appropriate or explicit answer as to why.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 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 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. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX XXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on XXXX and Experian. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.
Product: Debt collection

On XX/XX/XXXX my wife received a phone call from ( XXXX ) XXXX Eagle Recovery Associates , Inc. in regards to a couple of debts. The representative assigned to these debts badgered my wife and made insulting and demeaning comments to her which made her uncomfortable. These comments were in regards to her " needing the services but don't want to pay them '', making her feel horrible. The representative told her on the phone ( which all calls are logged ) that he has two debts for us, one totaling {$130.00} and one for {$40.00}. My wife requested the debt letters be  sent to us via mail. We received them both. When I called in on XX/XX/XXXX to confirm the amounts and pay them, I was then told the total was now {$760.00}. The same representative ( as he is assigned to our debt ) told me on XX/XX/XXXX there is another {$400.00} debt, which was never mentioned before nor was a letter ever received for it. He told me that he informed my wife on XX/XX/XXXX that  the total was {$760.00}. I am disputing the additional debt and now the entire total. I disputed the debt on the phone and requested to speak to his supervisor. When the supervisor got on the phone, he told me his name and that was it. He didn't tell me he was a debt collector until about 4-5 minutes into the call. I requested to have the call audio pulled from XX/XX/XXXX to verify if the representative was being honest with me and my wife. The supervisor decided to change the course of the conversation to " the total debt owed is ... '', " do you want to pay it now? ". The supervisor would NOT pull the audio for me to listen to. Instead he kept interrupting me when I was trying to explain why I wanted the audio pulled and said I was being condescending. The supervisor stated he was going to end the call and note the account as a " refusal to pay '' and recommend additional action to be taken. At the end of the phone call he said he is going to hang up. I stated to him " don't hang up if you would like to be paid ''. He then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   . IS A MULTI- RICO RAQUETEERING CRIMINAL FRAUDSTER MISCREANT CROOK LIAR THIEF!!! THEY HAVE BEEN PAID FOR THIS DEBT BY THE UNITED STATES TREASURY AND PROBABLY BY INSURANCE ALSO, AND THEY GOT THE NERVE TO SELL MY INFORMATION WITHOUT MY CONSENT IS A VIOLATION OF INFORMATION BREACH!!! THEY ALSO ARE USING FICTITIOUS NAMES WICH IS A FEDERAL FELONY CRIME!!!! I am   XXXX   XXXX   > holder in due course for the   XXXX   XXXX   TRUST ESTATE!!!! I AM ADMINISTRATOR BENEFICIARY AND OWNER, NOT CREDIT ONE!!! do you understand me you criminals??? you already got paid by the united states treasury you liars!!!!! and you sold my personal information!!! you ought to be in jail!!!!   XXXX   XXXX    IS A CRIMINAL CO-CONTRACTOR TOO IN THIS MATTER USING MY TRUST ESTATE WITHOUT MY CONSENT, I AM OWNER AND ADMINISTRATOR,!! PROVE TO ME I AM NOT!!!
Product: Credit card

In XXXX and XXXX of XXXX, I encountered issues with counterfeit items purchased via XXXX and XXXX, leading to disputes involving charges totaling {$2700.00} with Goldman Sachs Bank USA regarding my Apple Card transactions. Despite providing detailed evidence, including third-party authenticity reports from XXXX XXXX, my journey to resolution faced numerous obstacles. 

From XX/XX/XXXX onwards, I actively pursued resolution, encountering requests for evidence resubmission and delayed acknowledgments from Goldman Sachs. Despite these efforts, a conclusive resolution seemed elusive. In XX/XX/XXXX, a chargeback reversal was issued without my full evidence being considered, as later communications suggested. 

A Goldman Sachs representative contacted me on XX/XX/XXXX, promising a follow-up call the next day regarding the re-investigation of my disputes. This call never occurred. Instead, I received an email on XX/XX/XXXX, indicating resolution in my favor for one of the disputes but no mention or resolution for the second dispute, specifically the {$2000.00} charge from XXXX. 

The bank 's response to my CFPB complaint implied both disputes were resolved in my favor, with monetary relief granted. However, the absence of the second credit contradicts this implication, highlighting a significant discrepancy in their actions versus their communicated commitments. This sequence of events underscores not only a breakdown in communication but also a failure to fully honor the resolutions promised, particularly concerning the credit for the second dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a payment to Capital One in the amount of XXXX for the statement balance of my card. On my bank account that was posted as of XX/XX/XXXX. I attempted to make a purchase on my card on XXXX and it was declined due to the payment being held. They are holding payments that have already cleared ACH and I am sure investing that money with interest without the consumer being able to use the money.
Product: Mortgage

On XX/XX/XXXX I mailed my mortgage payment to PennyMac. Along with the check # XXXX, I included a letter with specific detailed instructions on how I wanted the payment applied. They ignored the letter and chose to apply the payment how they felt it should be applied. This has been happening for the past several months. I have reached out to them on several occassions to rectify the matter and they have not been at all helpful. Instead, their representatives have disrespected me, spoken to me unprofessionally and mistreated me. 

In this latest incident, they applied the overage to the principal and that is not what I requested. I was also charged a late charge and the payment was not late. They also received the payment on XX/XX/XXXX and put the received date as XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Have been getting charged outrageous apr fees ( 691.98 % ) which are illegal in the the state of Illinois. A {$700.00} loan costed me {$1900.00} so far. I read online that there are numerous complaints about this company. Also after reading the contract the box to make automatic debits from my account is not checked, so they have been making illegal debits from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. XXXX and Trans union didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported to Equifax a balance of {$70.00} on XX/XX/XXXX and has been marking the debt as a charge off from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect. I never received a letter informing me of a balance. The account was set to auto draft and a paid the debt in full.
Product: Checking or savings account

Pnc bank located in St.Louis MO on Page and Grand.Committed the perfect crime. I need someone to investigate the fact of somehow I had a believe 9 checking accounts. Hmm guess to confuse Me. Then why over 60 thousand dollars in tele transfers were not authorizedby me nor had I ever made transfers over the phone ever. I wish to know where and to whom the money 60 thousand went. The employees at this bank lie and work together in a stem and know what to do to cover there assets if someone brings up something alerting them to the misdeeds So heads up at how you go about catching these crooks...

Also the telephone calls recordings I need to know how to obtain such evidence to clear myself of a false claim of a felony crime for making a terrorist threat. Sad insane and gross..

Please help
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for these accounts : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXSubject : Inaccurate Reporting of Charge-Off Account on My Credit Report** I am writing to formally file a complaint against Comenity Bank for furnishing inaccurate information to one or more consumer reporting agencies. The erroneous reporting of this XXXX ( XXXX ) account ( account number XXXX ) as a charge-off has severely damaged my character, reputation, general mode of living, and ability to obtain credit for personal and housing purposes. This inaccurate reporting has also adversely affected my livelihood. On XX/XX/XXXX, I notified Comenity Bank about the inaccurate information they were reporting and requested that they cease and desist immediately and delete the XXXX account in question. However, they have willfully remained noncompliant with FCRA laws regarding the reporting of inaccurate information. **15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies** ( a ) Duty of Furnishers of Information to Provide Accurate Information Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person must not furnish any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Comenity Bank is inaccurately reporting a {$4200.00} balance on a charged-off XXXX  account to one or more of my consumer reports. This contradicts their internal accounting treatment of the debt as uncollectible. Since Comenity Bank has charged off this XXXX account ( number XXXX ) and considers the balance to be XXXX for accounting purposes, reporting a {$4200.00} balance on my consumer report is fundamentally inaccurate. This account should be deleted immediately. When a lender charges off an account, they recognize the debt as uncollectible, and the balance is reduced to zero for accounting purposes. According to the IRS, a charge-off is defined as gross or ordinary income. Income should not be reported on a consumer credit report, making Comenity Bank 's reporting of this account as a charge-off fundamentally inaccurate since this debt is now considered income as defined by the IRS. Furthermore, the IRS requires that a lender file Form 1099-C and send a copy to the borrower if the amount of debt canceled is {$600.00} or more and the lender is a financial institution. Despite not receiving a Form 1099-C from Comenity Bank , I have already filed this charge-off account on my 2020 tax return as income. Comenity Bank should not be reporting this charge off XXXX account to consumer reporting agencies. I demand this account be deleted immediately! I will be reporting tax fraud against Comenity Bank by completing Form 3949-A for not complying with IRS regulations . The IRS mandates that financial institutions must issue a Form 1099-C to both the borrower and the IRS when they cancel a debt of {$600.00} or more. I urge the CFPB to investigate this matter and take appropriate action against Comenity Bank for their harmful and inaccurate reporting practices.
Product: Credit card

On XX/XX/XXXX I've placed a order for two pieces of luggage with XXXX. I used my Amex card to pay for the XXXXXXXX XXXX total charge. 

The merchandise was delivered to me. As I was not 100 % convinced with the product, I request a return in line with the vendor return policy ( XXXX XXXX XXXX XXXX  The vendor issued me XXXX  label and I used the label provided by the vendor to return the merchandise, as requested by them. 

Between XX/XX/XXXX and XX/XX/XXXX I exchanged emails with the vendor, asking for my refund, while never getting a concrete response from them. On XX/XX/XXXX the vendor informed me I wouldn't be refunded claiming that they didn't receive the merchandise, despite me following all the steps they requested, which included packaging and dropping of the merchandise at a XXXX store using the labels they used. 

I have opened a dispute with American Express, where I submitted plenty of documentation multiple times. At first, Amex ruled in my favor, but has inexplicably reversed their decision 3 months after, well after the given period and after me getting rid of some of the supporting documentation. I ask CFPB to request Amex to provide all the documentation I have provided to them through the months, as they must have copies in their system.