23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I wanted to share a complaint I have made to the CEO of Capital One. I have a XXXX Platinum that I am fighting to have fraudulent charges removed from my account and wanted to make you aware that clearly even though they are backed XXXX, they do not employ zero fraud liability. I 'm being held responsible for 90 days for these charges. Feel free to contact me further to discuss this matter. 
Hello XXXX XXXX, I wanted to bring an important matter to your attention about XXXX of my XXXX capital one cards. On XXXX XXXX, 2015 my car was broken into and I immediately reported my XXXX card stolen. At the time of my call, XXXX charges had been fraudulently made. XXXX charges were made at the same location, XXXX XXXX in the amounts of {$200.00} and {$210.00}. The representative said that the charges would be credited to my account within XXXX hours and new cards would be issued. 
On XXXX XXXX, XXXX charges posted to my account. I placed a call back and spoke to a Fraud specialist. She stated to me that the reason the charges posted were because at the time I called they were " pending ''. During that same phone call, I also gave the police report number as well as the phone numbers to the police station and burglary department. She then issued a credit for XXXX charges which cleared my account quickly on XXXX/XXXX/15. 
On XXXX XXXX, I got an email stating that my account was over the limit by {$7.00}. I was puzzled because the limit for that card is {$1000.00} and at the time of the email only had a balance of {$460.00}. Earlier that morning I used the XXXX to pay my XXXX bill which was only {$130.00} which should have left me with an available balance of {$400.00}. So my husband called customer service and was connected with a Fraud Supervisor. The supervisor indicated that yes we were over our limit because the charges we had reported fraudulent were frozen to our account for 90 days until the investigation could be completed. So my question to you is, how does your company declare ZERO fraud liability when we are still being held responsible for these charges we did n't make? 
My husband and I have XXXX lines of credit totally to {$3800.00} and have nearly perfect payment history with Capital One. After going through this process, it 's clear to us that customer loyalty means nothing and so once this investigation is resolved we will be closing all XXXX of our accounts and taking our business elsewhere. I will also be filing this same complaint with the FTC and Attorney General as well as with XXXX. 
I 'm happy to discuss this with your or one of your associates further if you wish. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against TD Bank in reference to CFPB complaint # XXXX-XXXX. 

TD Bank 's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of TD account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since TD 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with TD 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, TD 's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with TD Bank. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against Caliber Home Loans, Inc ( Caliber ), and the response from Caliber dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that Caliber Home Loans will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage Statement that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a Caliber representative to explain the reason for the new charge. It is on record that the Caliber representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from Caliber Home Loans has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the Caliber Home Loans ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by Caliber are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by Caliber Home Loans, relevant pages of my Credit Report from XXXX, XXXX, and XXXX showing no entry of payments as reported by Caliber Home Loans , Inc .
Product: Payday loan, title loan, or personal loan

Read the attached complaint document for the full description. Your company has dishonored this agreement by charging me in an excess of the maximum APR yield percentage allowed by the state of Mississippi. I have tried to contact and dispute this with your XXXX XXXX XXXX, XXXX and I have not received a response from your company yet. Your company has been reporting information to the consumer reporting agencies without my permission and violating the law about reporting negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Prepaid card

XXXX/XXXX/16 I contacted XXXX for computer repair and made a payment of {$180.00} through Circle financial. XXXX/XXXX/16 XXXX informed me that I need to purchase a patchwork file for {$120.00} which I agreed to pay for.Both transactions were made through Circle Internet Financial Inc.The problem reoccurred on XXXX/XXXX/16. I contacted XXXX on XXXX/XXXX/16. They informed me that XXXX XXXX of XXXX for {$200.00} the problem would be fixed. I agreed to pay for the repairs again through Circle Financial. The computer problem still was not resolved. I tried to contact the company many times with no success. It turns out that XXXX is a scam as confirmed by XXXX, a rep from Circle. I did not get the product I purchased. I could not get in touch with XXXX for a refund and Circle would not assist me. Circle told me that they do n't know the company name ( XXXX gives different names ) and yet they allowed my payments. to be processed knowingly by a scam.
Product: Credit card

All forgoing information has been solidified and captured on the record for review. 

This issue involves Kohl 's charge account services. On multiple occasions, including the most recent instance, I made my payment on the due date as required. However, Kohl 's system has failed to process the payment until the following day, which resulted in an additional minimum payment charge being applied to my account. This issue has occurred several times and although late fees have been removed after I contacted customer serivce, the additional minimum payment remain. 

When I reached out to Kohl 's customer service on XX/XX/year> to address this matter, the representative stated that he did not understand why the system was calculating the additional minimum payment but confirmed that it did, despite my payments being made on time. He did not understand why the system captured the payment, logging it in as a late payment, but confirmed that the system automatically reduced the late fee. He mentioned that he could transfer me to a manager but doubted that any progress would be made considering the configuration of the system. The response is unacceptable. To that end, it does not reflect fair treatment of a consumer. 

I believe Kohl 's action directly violate the Truth in Lending Act ( TILA ) P and other relevant consumer protection regulations that are designed to ensure that credit card companies charge consumers fairly and transparently. TILA requires accurate and timely crediting of payments and prohibits unjust or misleading billing practices. The improper assessment of an additional minimum payment, despite the payment being made on time, is clearly a violation of these standards.

As a result of these repeated issues and the company 's refusal to rectify the problem, I am requesting the following : 1. Immediate adjustment of the charges to reflect the correct amount owed based on timely payments.

2. Permanent removal of all interest charges from my account due to this ongoing violation.

3. Assurance that this improper billing practice will cease, and that the system errors responsible will be corrected. No other consumer should have to endure this.

To resolve this issue, I am willing to refrain from using my Kohl 's charge account until the balance is paid off, provided the interest is permanently removed as a fair resolution for this violation of my consumer rights. 

I appreciate your attention to this matter and look forward to a proper and prompt resolution. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX  XXXX  Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed
Product: Money transfer, virtual currency, or money service

As always there intentionally and willfully holding transactions that take less than a second for literally any other company but them and I know this very well because I use it a lot to move money to my accounts and instead of being genuine and just canceling or confirming the payment they decide to patronize and hold the funds even longer from yesterday on the XXXX at XXXX XXXX. central Time to well it's a little after XXXX XXXX. central Time and they are still holding it and not actually canceling it like I've asked several times in the last 10 hours or completing it because they are specifically and wholeheartedly holding the transaction. This transactions take less than a second and that goes for literally everyone. This is the worst customer service I've ever seen in my four decades alive and they genuinely do not care nor do they have to because nobody does anything about it. And of course I would be dead wrong according to them if I just up and abandoned the account while I owe them money right?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX DEPARTMENT OF EDUCATION Account # XXXX, XXXX DEPARTMENT OF EDUCATION Account # XXXX, XXXX XXXX XXXX Account # 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Reporting information without my consent! 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless..

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other : B ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 40R18 U.S.fCode 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years 15 U.S. code 6802, you have violated this law by transferring and sharing my non public information without giving you me 3 disclosures by not allowing me to opt out and or give consent
Product: Credit card

Evidently, Chase sold my " bad debt '' to a law firm who is now bugging me to pay two charges which I disputed in XXXX because the merchant never intended and did not provide me the goods and services they agreed to. Someone on XXXX commented that Chase pays a huge amount of fines for breaking the law. I decided to research that and found endless articles about fines the CFPB and the SEC issued to Chase for illegal activities. Two I found are at : XXXX XXXX XXXXXXXX ; CFPB Orders Chase and JPMorgan Chase to Pay {$300.00} XXXX Refund for Illegal Credit Card Practices, XX/XX/XXXX and XXXX XXXX XXXXXXXX ; CFPB, XXXX States and XXXX Take Action Against JPMorgan Chase for Selling Bad Credit Card Debt and XXXXSigning Court Documents, XX/XX/XXXX. I wanted to inform the CFPB that Chase is still at it. Evidently, Chase doesn't mind paying the fines with all the money it makes off its customers illegally. So far, I have had two rounds with the collecting law firm and they are no better at providing me proof that I owe the two charges in question than Chase. I am prepared to go to court which I figure is the next step. I have documentation supporting my case that is over a foot high. I also have Chase 's reputation and proof of law-breaking practices to use in my favor. I have attached a report I prepared on Chase illegal credit card practices that I have experienced these past two years that fall into the two categories above. I have sent Chase documentation supporting my case MANY times ; they just ignored it. But I can provide it to the CFPB if needed. Judging from what I experienced, the bad reports about Chase in the BBB records, the blog " Chase XXXX, '' comments on a Chase add on XXXX, it looks like it is time to have Chase clean house again and pay its customers all the money they cheated from them. JP Morgan continues to be a bunch of mafia crooks who cheat their customers. At first I felt persecuted and victimized by Chase because I was treated like a criminal. Now I understand who really is the criminal here. I hope to god that consumers out there find out that Chase is a bunch of capitalistic frauds before they have to endure what I have the past 2 years. No need to send this to Chase. The Executive Office will only make up a bunch of stuff to get out of dealing with the real issue -- they they lie and cheat their customers, including me.
Product: Credit reporting, credit repair services, 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. 
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  According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy. 
Section 602 A of U.S.C. 1681. States I am entitled to privacy. 

In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent. 

No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section. 

U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency.
Product: Credit card

HSBC and XXXX XXXX sit on payments to generate late fees. 

I pay bills usually the day after I receive them.
Product: Debt collection

I am filing a complaint against Portfolio Recovery Associates for continued debt collection harassment when I am not the person they seek.

For the past three years or more, I have been receiving calls from Portfolio Recovery at least once or twice daily. Despite informing a representative a few years ago that they have the wrong number, wrong person, the calls have persisted. 

These calls are not only disruptive to my personal life but also cause significant professional concern. As a leader/manager at my company, having " Portfolio Recovery '' appear on my XXXX XXXX and XXXX screen undermines my credibility with my team. 

Furthermore, the relentless nature of these calls, despite being informed I am not the intended recipient, constitutes harassment. I am not the individual they are seeking, and I urge the CFPB to investigate these practices by Portfolio Recovery Associates. 

I request your assistance in stopping these calls and ensuring they do not continue in the future.
Product: Debt collection

My family member owes some type of debt not sure exactly not in touch with him. This debt collector called on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX very harassing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A utility ccount opened at XXXX on XX/XX/XXXX Account number ( XXXX ) Rented a townhome t at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) and a motor vehicle loan Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Credit was pulled to open this debt. the amount listed as {$7400.00}, Tried signing up with a Debt company to assist with the debt. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned, etc.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions where authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.