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

I was a Capital One credit card account customer in XXXX. Less than one year after opening an account I received a telephone call from Capital One 's Fraud Prevention department. The fact that fraud prevention had telephoned me on a Saturday afternoon isn't what struck me as particularly odd, it was the questions I was being asked. Apparently, someone ( s ) had obtained the pieces of personal information of mine necessary to submit an application for a line of credit. I assured the voice on the other end that I had absolutely zero knowledge whatsoever regarding an application for an additional line of credit. I began to ask questions of my own : what name was used on this application? What address was used on this application? Why would the fraud prevention department question me about applying for a second credit card when I could simply request an increase or spend from my checking account? ( My credit limit was less than $ XXXX. ) I was informed that Capital One was unable to provide me with any additional information over the phone and that my request would need to be written and mailed USPS. Several days later I handwrote my request and attached relevant documents, i.e. copies of I.D . and utility bill. I never received a response from Capital One and seeing as how I there was not additional follow-up from the company I put the matter out of mind. During the time that I was a credit card customer I paid my bill on-time - if ever, I were late with a payment it was a matter of days, not weeks or months or years. While I do not recall the exact month in XXXX, I do recall having telephoned Capital One. I don't recall the specific reason for contacting the company but I do recall there being a customer service issue that evoked an extremely irritated response/reply from me. This hadn't been the first time Capital One customer service proved to be sub-par. I disconnected ( hung-up ) the call without warning and without saying goodbye. Two to three days later I'd received a letter from Capital One informing me that due to 'fraudulent activity ' my account had been closed - I can only assume that whomever had closed my account following my gripe with customer service had been referring to that application for an additional line of credit that some XXXX had submitted months earlier. The letter instructed me to dispose of my credit card and to remit payment for my balance owed. There was nothing I could do after my account had been closed. I am just now filing a complaint with ConsumerFinance.gov because I had not been made aware of this agency. Having telephoned Capital One recently to inquire about whether the company would approve or deny a credit card application, should I decide to submit one in the near future, these events are fresh in my mind - or as fresh as can be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On the second week of XX/XX/XXXXr, I opened a new bank account with Chase bank without any problem. However, a few days later, I received a letter stating that my account has been closed due to negative and adverse information that XXXX Credit Bureau had sent to them about me and that they should not open an account to me because of these negative information. 

What bothers me about this report is that I have neither derogatory nor delinquent issue or history in my credit profile. 
There is absolutely no record of this situation at all and so I called XXXX to verify this report on XX/XX/XXXX or the day before to explain to me what the was about and the company denied any knowledge of this act. 

Then, I called XXXX to find out what this was about, and they further insulted me, denying any right of mine for transparency on this matter. 

The way that XXXX treated me in not uncommon in XXXX XXXX. 
This bank has been carrying out XXXX activities against people of XXXX by denying them access to banking and XXXX profiling them as not deserving membership at this bank. 

Chase and XXXX in this case had a form of covert agreement to mis-characterize a customer by wrongly profiling them for rejection. 
In my case, they thought that they can make this form of rejection letter up because to them any person of XXXX without a hefty account balance must fall into this category of bad credit, delinquency and other things that the XXXX elements in American society, such as this bank ascribe to people through racism. 

I want to sue the Chase bank and XXXX for XXXX   profiling me. 
XXXX has no right to close my account and allow my direct deposit check to be returned, causing me harm and severe inconvenience. 
I have contacted these two companies and Chase, has nothing today other than that " we have a right to deny our banking services to anyone '' and XXXX has denied any knowledge of this. 
If indeed they didn't inform this bank of any adverse record in my profile, why then did Chase bank quote the name of XXXX in the attached letter I have uploaded herewith. 

XXXX, I believe had violated my rights to my privacy as well, because I have a subscription with them that protects my account for unlawful access by anyone for credit checking purposes to avoid identity theft. 
Any merchant or organization can not access my record without me opening up the account, literally, for them. Thus, I usually get an email alert about an attempt to access my credit file, after which I can grant access. 

If truly, this bank had tried to gain access to my credit file, I would have known and allowed them to and they would have seen that there is no adverse history on my account. 
I want this matter to be escalated to the executives of these two companies so that the actions taken can investigated and those who allowed or aided this investigated. 
This is an act of XXXX motivated attempt to subject me to harm and inconvenience.The staff at Chase bank on XXXX XXXX in XXXX XXXX need to be prosecuted. 

No consumer should be put through this stress that I was put through for having spotless credit history.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of 2023 I was working with an agent of loanDepot at the time. I filled out an application online, but never went through with it. I found out later that the real estate agent XXXX XXXX had ran my credit without my permission or consent. I contacted her and asked her to have this removed because I never granted her permission to do so. XXXX XXXX stated she would contact all three credit borrows and have this information removed. Its been almost a year later and these hard inquiries are still on my credit. After contacting their customer service department, I was told there was nothing they could do because even though I didnt give consent for them to run my credit with an application being filled out, they had every right to do so, and I was also told that I cant see that information when doing so, but they can. I have an email from XXXX XXXX stating she was going to have these inquiries removed from all bureaus.
Product: Credit reporting or other personal consumer reports

I'm writing regarding a derogatory rating on my account that's severely impacting my credit. This negative mark has already resulted in : 1. Denial of a recent loan application 2. Increased interest rates on my existing credit accounts These consequences are causing significant financial and emotional distress.
Product: Credit reporting or other personal consumer reports

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

1. The XXXX XXXX XXXX XXXX Acct # XXXX. 
2. XXXX XXXX XXXX. Dated : XX/XX/XXXX. 
3.XX/XX/XXXX. Acct # XXXX. 
4. XXXX XXXX. Dated : XX/XX/XXXX. 
5. XXXX XXXX. Dated : XX/XX/XXXX. 
6. XXXX XXXX. Dated : XX/XX/XXXX. 
7. XXXX XXXX. Dated XX/XX/XXXX. 
8. XXXX XXXX. Dated : XX/XX/XXXX. 
9. XXXX XXXX XXXX : XX/XX/XXXX. 
10. XXXX XXXX. Dated : XX/XX/XXXX. 
11. XXXX XXXX. Dated : XXXX/XXXX/XXXX 12.XX/XX/XXXXXXXX XXXX XXXX Dated : XX/XX/XXXX 13. XXXX XXXX. Dated XX/XX/XXXX. 
14. XXXX XXXX. Dated : XX/XX/XXXX. 
15. XXXX. Dated : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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: Mortgage

My loan was recently transferred to Freedom Mortgage. Now due to CoVID -19, I asked for assistance, their Loss mitt department handling the forbearance program never called and I could not reach them as the number always routes to Customer service and they transfer and the line gets disconnected. However, their refinance department called me and offered FHA StreamLine refinance, They told me if I close in XX/XX/2020, I just have to pay taxes and insurance and the payment will begin in XXXX. I agreed. Now they are telling me that their Title company can not close in XXXX so I will have to pay my XXXX payment. I asked them why can't I use my title company, initially they said no then came back and said I can use my title company but I have to pay the title cost and I may not have enough time to use my title company because FHA take3 days to fund my title company is asking 7 days to get everything ready and the loan won't fund in XXXX and I would not qualify for FHA STREAM line. This is ridiculous .. company baiting and switching. How come they did not know their title company could not close. how come a billion-dollar company can not have a forecast that they would run into this issue with covid-19. and since it's their fault, why can't they take the hit with the payment. Also, why cant they assist with foreberance. I know they will blame the high number of cases and call volume.. I at least want them to call and take care of this
Product: Checking or savings account

I opened a CD account at California Bank and XXXX in 2023. It matured and the company failed to notify me of the renewal. I tried to close the account but they had renewed the XXXX without my consent and wanted to charge {$XXXX} when they renewed it less than XXXX weeks ago. The bank claimed they mailed me a notification of renewal but I never received it. I remember when I signed up for the account there were problems with the numbers they had assigned me. Someone else had the same account numbers. It took XXXX visits and multiple hours to fix everything. I also signed a consent for electronic notifications because paper notifications cost {$XXXX} a month. Fast forward a year later and the bank claimed to have sent me a letter in the mail when I signed up for electronic notifications. I have had lost faith in how this bank operates. They claimed they could not waive the early withdrawal fee because they mailed me a letter. If I had received this letter, I would have responded promptly. I believe that the bank never mailed this letter to me because I had signed up for electronic notifications because they would've have charged me {$XXXX} a month for the life of the account. The bank could not furnish proof that they mailed me a letter. I would like to close my accounts and have California Bank and XXXX waive all early withdrawal fees for the CD that was renewed without my consent and approval.
Product: Bank account or service

This summer I order my wedding dress, customized. What I received was not even a dress. I disputed with merchant, shipped material back. Merchant refused refund and offered my XXXX % discount on next purchase instead, I refused. I filed complaint with Suntrust on XXXX/XXXX/2015. Suntrust gave temporary credit on XXXX/XXXX/2015. I was advised I would receive correspondence if they needed info and case would close in 60 days and the credit would be authorized if they found on my behalf and if not, I would be notified first. I never heard anything else from Suntrust. I tried several times to check status online but system was down for a long time. Suntrust emails me when anything goes on, so since I received no emails- I figured we were good. 60 days passed ... XX/XX/XXXX. I assumed as I had been told that the credit was no longer " provisional ''. Suntrust waited until 2 days before XXXX to do the reversal, wiping my account clean so I could not buy XXXX dinner- WITH NO NOTICE OR CONTACT. Then I encountered several NSF fees. They claim the reason for the reversal was because the merchant claimed to offer a full refund and I refused. That makes no sense. Had they offered, I would have accepted! They offered only discounts for future purchases. But, Suntrust- instead of contacting me and asking for email correspondence ( which I have still ) or photos of my wedding to prove I did not wear their product ( which I also have ) or proof the full refund was never offered ( again, email chain ) ... Suntrust wiped out my bank account after the 60 day period and raked up NSF charges galore and kept my direct deposit from my payroll check. So, here my family and I will sit on XXXX eating cereal or sandwiches ( because my bank account is in the negative and we could not buy things for a XXXX meal ). I have made several attempts with Suntrust agents to get them to understand that I did not overdraw my account. That I received no correspondence. I have all my emails from Suntrust. The last thing I received from their claims department was the claim form. 
I would highly advise anyone searching for a bank, to not go to Suntrust. After this experience, I will be changing banks asap. They care nothing about their customers. The fact that they waited until two days before XXXX ( past the 60 day time frame ) when I had several pending transactions ( which resulted in NSFs ) to reverse a valid claim ... tells me just how much they DO N'T care.
Product: Debt collection

In XX/XX/2011 I applied for a XXXX loan online in order to pay off a bill that was about to go into collections the next day. I filled out the necessary information and got a call saying I was approved and needed to send in a voided check to process the loan. I asked about paying off early and was assured that this would not be a problem. They told me if I did not pay on time I would be charged every two weeks XXXX dollars until the debt was paid. I paid off my bill and three days later paid the loan off early online. I didn't think anything of it until I noticed my bank account was lower than it should have been. I tried calling the number they called me on and it was disconnected. I tried calling the number the bank provided and no answer ( I called at least 10 times that day ). They wound up taking XXXX dollars from me before I was able to switch accounts. Now 7 years later they have turned this over to a debt collection agency that is the fifth one or so that has tried to collect. Every time I explain the situation to them I get a cease and desist on my account which goes well for about a year before it goes to another agency. This last one actually provided me details and amount as well as what I suppossedely currently owe ( XXXX now ). I'm tired of this and just want it to stop. In my XXXX and still trying to save more than XXXX bucks a week
Product: Mortgage

in XXXX I refinanced my home with a XXXX XXXX XXXX. The mortgage crisis hit in XXXX and I had to file bankruptcy. The neg am loan kept adding to the original balance and ballooned to over XXXX. After I got back on my feet around XXXX the bank agreed to a modification that would " set aside '' XXXX of my balance while I paid {$2200.00} per month at a fixed rate of 5 % for 30 years. However very little if anything was going toward principle. I paid on this loan for 8-9 years until Covid hit in XXXX and I was sent a letter stating I was approved for a new modification ( that did not ask for ) where I would continue to pay roughly {$2200.00} per month. However I would owe a balloon of {$170000.00} additional dollars after the 30 years! I had been working on getting all this time on getting some type of relief but was getting nowhere. My servicing Company Select Portfolio Servicing would not even tell me who held the note. I finally found out the note holder is XXXX XXXX. I hired an attorney to look into my documents because I was always told when I shared my story that it did not make sense. I finally received copies of my modification and the chain of title regarding my loan. The attorney I hired stated that the chain of title did not look correct. However, since he did not practice law in CA he could not pursue anything.I have paid close to XXXX in the last 8-9 years and still in worse shape than I was in XXXX with this bank not willing to work with modifying this loan. Please Help!
Product: Mortgage

I called PHH mortgage on XX/XX/XXXX to ask about why our PMI hasn't been taken off our mortgage payments since we've had the loan for over XXXX  years and were originally told that PMI will be removed once we hit XXXX  years on the loan. They explained we would meet the threshold to remove PMI in XX/XX/XXXX so I asked how much money we owe to meet that threshold. I was told we need to submit {$5300.00} for the PMI to be removed. I called back on XX/XX/XXXX and approved a {$5500.00} payment to our principal and requested that the staff member submit our request to remove PMI. She explained she submitted the request and I would receive a letter in the mail with details about the PMI removal within XXXX days. I never received a letter so I called back on XX/XX/XXXX and was told by both staff members who I spoke to on the phone that they never sent a letter in XX/XX/XXXX. The escalation manager I spoke to continued to lie to me that there were no notes or calls in my file from XXXX or XXXX. I then told him the exact dates and times of the calls since I take detailed notes and have call logs and emails with all the information from those calls. He then told me he found a note from those calls and that he apologizes that they didn't send me the letter. This is already very concerning since they purposely did not send the letter they were required to to remove our PMI. He then said I need to pay about {$200.00} to get an appraisal on the house to get rid of PMI. That is inaccurate based on previous information I had received in writing from PHH and my previous loan company ( before PHH took over our loan ). This company is clearly trying to scam me out of my money by saying they require an appraisal when that's not true, as well as not submitting or sending appropriate necessary paperwork to remove our PMI. They happily took our money but did not do their part of the agreement to remove the PMI.
Product: Debt collection

Once again, Computer Credit Inc is sending me bills for account numbers that arent mine, with pertinent details hidden on their website. This time, the billing details do not match any records of mine. 

On XX/XX/XXXX, I visited the XX/XX/XXXXXXXX website to look at my account. It said I owed {$120.00}, so thats what I paid. Today, I opened a letter from XXXX dated XX/XX/, saying that as of XX/XX/XXXX, I was billed by XXXX for {$150.00}, paid {$140.00}, and owe {$13.00}. Buried on their website, XXXX says this was for a XX/XX/XX/XX/XXXXvisit. Neither the {$150.00} bill nor the {$140.00} payment amounts match any records on my XXXX account, my XXXX XXXX XXXX, nor my XXXX XXXX XXXX account. Why are they making up these numbers? 

I checked my XXXX account again today, which says I owe {$0.00}, as of my last statement dated XX/XX/XXXX. Note that this is before the XX/XX/XXXX date of XX/XX/XXXXreport.
Product: Credit reporting or other personal consumer reports

This complaint has been ongoing for over XXXX  years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX XXXX XXXX. I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX  laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX. This account was included in my XXXX  XXXX XXXX  and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and Im moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX loan tradeline from all credit reporting agencies within XXXX  days from the date of this dispute.