23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CapitalOne has been charging me a membership fee of {$3.00} for the past 6 years. 
The customer service agents can not tell me what its for, or what benefits it provides. 
I have an identical card, but Visa branded, the one in reference is a mastercard, and it DOES NOT have this fee. 
My wife has the mastercard version and visa version, so the identical set up i have, and she DOES NOT have the fee on either account. 
The customer service folks are totally unwilling to resolve the issue or offer a VALID explanation. There is no reason i should be charged this arbitrary fee that literally does nothing. The listing of benefits for my card with the fee and my wifes identical card without the fee are identical. There is ABSOLUTELY no value from paying this fee. 

This is my OLDEST credit account and i do not want to close it, however i will happily enter in to a lawsuit just because my uncle is a lawyer and he needs to eat, if you understand me, because as he put it " this occurrence is a cash cow ''. He seems to think that UDAAP can be invoked in this instance and wonders how much he can make from this. 

So we can go either route, drag capitalones name through the mud on social media, the traditional media ( one of my XXXX works for the XXXX in town ), the court system ( my friend from highschool works in the DA office ). 

I currently have XXXX connections on facebook on my personal page, i have over XXXX reach on my professional facebook page which is finance related, i have thousands of connections on XXXX, and i have a XXXX account for my nonprofit that is reaching XXXX followers very soon. I have no problem bringing the truth to light, i also have time as well to do all of this as i have plenty of PTO accrued. 

So will we get rid of the fee for the past 5 years? or Will we begin a journey we can not un-begin? 

Your choice, i hope you take this seriously as i have a network of individuals in XXXX who work at capitalone offices and i would hate to have to call in a favor and get them jobs elsewhere leaving you high and dry intentionally, because honestly i have that type of influence.
Product: Debt collection

On XX/XX/XXXX we had someone come to our house to give us an estimate of how much our new windows will cost us he then said it will be {$5300.00} if we pay by XX/XX/XXXX but any day after XX/XX/XXXX the Company Greensky ( Loan Company ) will then start charging me interest which i understood .I come to find out the the Company Greensky which gave me the loan for the windows are stating that i was given false information by the representative that came in that date and that the promotion was only for 12 months and not 18 months which would of been XX/XX/XXXX XXXX then find myself with the surprise that not only i been late but i now have to pay from {$5300.00} to almost {$8000.00} since they gave me False information .What i ending up doing was paying the 3 months that was " late '' which was {$630.00} for it not to affect my credit since this shows up in my credit report.
Product: Mortgage

I WILL NOT ACCEPT THE COMPNYS RESPONSE, I ASK TO BE REINSTATE D ON MY TRIAL PAYMENT, I WAS IN THE HOSPITAL, AND AS FAR AS THE RETURNED CHECKS, I HAVE A PROBLEM WITH YOUR SYSTEM, IT DOES NOT ACCEPT MY XXXX XXXX ACCT, IT WILL ONLY ACCEPT MY SAVINGS ACCOUNT AND AGAIN I WAS IN THE HOSPITAL AND COULD NOT GET TO MY BANK, I HAVE TOLD YOUR REPRESENYTIVES THIS ON SEVERAL OCCASIONS, PLEASE HELP ME, I WAS IN THE HOSPITAL, I NEED TO KEEP MY HOUSE AND CAN PAY TODAY ALL 3 OF THE TRAIL PAYMENTS, I AM A VETERAN, I HAVE XXXX XXXX AND AM XXXX, I HAVE NO WHERE TO GO, I WILL BE GOING TO THE MEDIA AND TO MY CONGRESSMEN, I NEED YOUR HELP AND AM JUST ASKING FOR YOUR HELP, ALSO WHAT HAPPENED TO THE SUPERVISOR WHO CAUSED ME PROBLEMS SAYING THAT MY HOUSE WAS BEING SOLD ON XX/XX/XXXX, PLEASE PLEASE PLEASE PLEASE HELP ME, I CAN SEND YOU THE WHOLE 3 MONTHS OF PAYMENTS TODAY
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681e b-Compliance procedures i have consistently made timely payments, and it is inaccurately reporting information. It's essential that consumer reporting agencies maintain accuracy on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents as it includes my complaint and my identification
Product: Credit reporting or other personal consumer reports

i checked my report and noticed inquiries i didnt make or authorize XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 and XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB Representative, I am writing to formally file a complaint against Bank of America ( BANA ) regarding their recent actions involving my longtime checking account. The abrupt closure of my account and the withholding of my funds have left me in an untenable financial situation that is putting my housing at risk. 


**Closure of Account** : - On XX/XX/2024, BANA closed my checking account without prior notice or legitimate cause. 
- I received a notification stating I would only regain access to my funds, amounting to my life savings, 45 days from the date of closure, specifically after XX/XX/2024. 

**Impact of BANA 's Actions** : - **Imminent Financial Crisis*XXXX : My rent is due imminently, and without access to my funds, I am unable to meet this critical obligation. 
- **Risk of Eviction** : The potential for eviction due to non-payment of rent is very real, threatening my housing stability and overall well-being. 
- **Further Hardship** : Beyond rent, I am unable to meet everyday expenses, including utilities, groceries, and other essential monthly obligations and can not feed my XXXX young children. 



I appreciate your immediate attention to this extremely pressing matter. Please contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your time and assistance. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*
Product: Debt collection

" XXXX XXXX XXXX '' is trying to convince me to pay a debt that far past statue of limitations in my state. This is an EXTREMELY old debt and it was NEVER in collections with this company. They are harassing me daily & refuse to stop. I do NOT even know how they got OLD information that was disputed long ago.
Product: Credit reporting or other personal consumer reports

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, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Product: Credit reporting or other personal consumer reports

I made a request for Best Buy, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than XXXX XXXX XXXX. I know for a fact that I did make these payments, but I am not here for that. They are reporting to XXXX and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from CITI and Best Buy stating the dates. I do not have the letters mailed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : 1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request.

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question.

Any previous correspondence regarding this matter.

Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to Equifax, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.
Product: Debt collection

Medical Data Systems Inc at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX has been sending me collection notices in the amount of {$210.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

After my bankruptcy terms had been fulfilled, I received assistance from the DC Homeowner Assistance Fund ( DCHAF ) to bring my mortgage current with SN Servicing Corp ( SNSC ). During my bankruptcy process SNSC disabled my online account access and refused to accept any payments from me. 

On XX/XX/2023, my first resumed payment was due, and my online access had been restored after SNSC received payment from DCHAF. According to my online statement, the amount due on XX/XX/2023 was {$2100.00}, and I paid {$2100.00} on/around XX/XX/XXXX. SNSC refused to apply that money to my XXXX payment. The account rep said it was a partial payment because the amount due was {$2100.00}. When I questioned why that amount is not reflected on my XXXX statement, I did not get a satisfactory response. Instead, on XX/XX/XXXX, another account statement was manufactured and added to my account, showing my account being past due for XXXX in the amount of {$2100.00}. The amount of {$2100.00} was only communicated to me via email message, but I never received a statement saying the amount due for XX/XX/2023 was {$2100.00}. 

After sending several emails and making some phone calls to SNSC, I realized no one could/would adequately explain what was going on with my account. So, I reluctantly paid an additional {$36.00} to keep my account from going into a late status. Yet, I was still charged a late fee. 

I asked for an updated amortization schedule, but was told SNSC does not supply that information. I asked how do I make extra principal payments, and I'm still waiting on an answer. I've also asked for a payoff statement that is good for 60 and 90 days, and I'm still waiting to receive that. 

After everything I've been through regarding my home, I feel like I am the victim of some deceptive and fraudulent practices by SN Servicing Corp. I would like a refund or credit for the {$36.00} that I paid in XXXX, and I would like the late fee applied for XX/XX/2023 to be withdrawn/waived. I would also like someone to look into the overall mortgage servicing practices of SNSC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for removal of a medical debt that was under {$500.00}. The investigation did not remove it. My consumer rights was violated. The below excerpt is directly from CFPB : Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$2900.00} ; XXXXXXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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: Debt collection

CBE company calls me repeatedly daily for a XXXX XXXX XXXX. I am XXXX XXXX XXXX with different social security #. I have asked and told them to take me off their list and yet I get called every day. What can I do?
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for amex card. I was well aware of the fee for the card. I did not activate the card until XX/XX/XXXX. On XX/XX/XXXX I received an email saying that my card payment was overdue. When I called customer service, I was told that the fee was due on the application date not XX/XX/XXXX. I received no bill, email etc for the fee between XX/XX/XXXX-XX/XX/XXXX. I do not understand why I did not receive a bill on XX/XX/XXXX or XX/XX/XXXX but a '' demand '' on XX/XX/XXXX. The rep was totally confused. I would appreciate some clarity about this.
Product: Credit reporting or other personal consumer reports

I filed a complaint to the XXXX ( XXXX ) credit bureaus regarding to inaccurate data on my credit report but they just ignored my complaint and telling that I am not the one who made it, They are wrong because I am who made it and I never used third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX
Product: Checking or savings account

I have disputed a transaction from XXXX XXXX in the amount of {$320.00}. I did not authorize them to take this from my account. I have gotten my money back for this same type of problem that usaa put back from a business taking it out when I didn't give them permission to. But nobody from usaa will help me get my money back. And i keep getting told different stories from different people at usaa.
Product: Debt collection

Year started 2008, i am a victim of identity theft ; someone or multiple people have car loans, student debt, mortgage payments, bank loans and several more which prevents me XXXX XXXX XXXX from obtaining ANY kind of credit.The credit financing companies will not even consider looking at my credit. Furthermore, I can not contain any of my credit reports due to telephone numbers, physical addresses, e-mail addresses, bank account. Please help. 
Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a new car loan in XX/XX/2019 with Honda Financial.  I got behind on one payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the XXXX XXXX XXXX to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXX and XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX, XXXX, XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due  {$0.00} Payment History 1 Late Payment 2019 30 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Someone deposited a check in my bank of America account without my consent and took money out of the ATM now I'm not able to open an account anywhere
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. The identified transactions are not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. DELETE THE FOLLOWING INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Mortgage

Ive called several times requesting the website be updated to allow payments to processed regular without including a late fee. Its deceptive practices to force customers to pay late fees in order to make a payment via any available payment methods on their mortgage. The loan promissory note states all fees must be paid in full at the end of the loan in order for the loan to be satisfied as paid in full. When asked to speak with a supervisor no one is NEVER available callbacks are promised but NEVER returned Im still pending four call backs from three months ago and the most recent being two days ago.