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

My virtual card number from Citi credit card was stolen and been used on fraudulent online purchase. The fraudulent purchase happened on XX/XX/2021 for the amount of {$95.00}. I filed dispute to Citi Cards on phone and told the CSR that it is fraudulent purchase. However Citi Cards still categorized the dispute as " Canceled service / goods '' instead of internet fraud. After reviewed the information provided by the merchant, Citi Cards made the decision that I am responsible for the fraudulent charge, even the information on the merchant receipt does match my personal information. 
In the process, I have never received any mail from Citi Cards regarding this dispute. I had to login to my online account to follow the dispute status. 
I should not be responsible for any internet fraud according to federal regulations. The practice of Citi Cards on this dispute is clearly against federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Debt collection

Shellpoint defrauds consumers by assessing exuberant late fees on timely payments and refuses to check its payment processing XXXX XXXX at the end of the day for received mail containing consumer payments. ( See evidence ).

Shellpoint is engaged in deliberate scheme of assessing exuberant late fees on timely payments. Shellpoint refuses to check its payment processing XXXX XXXX at the end of the day resulting in intentional delay in timely processing of consumer payments as Shellpoint assesses unearned and deceptive late fees.

Certified checks were issued for monthly payment on XX/XX/XXXX for XXXX and immediately sent to Shellpoint. Shellpoint represents to consumers that it does not assess any late fees on payments received before or on the XXXX of the month. Yet, Shellpoint applied this certified check dated XX/XX/XXXX with guaranteed funds on XX/XX/XXXX and accessed late fees as Shellpoint claims it took 10 days for the mail to arrive from New York to its XXXX XXXX XXXX in XXXX TX. 

I repeatedly requested Shellpoint to remove these late fee by contacting customer service, via email to XXXX XXXX of Shellpoint equally cced to XXXX XXXX of NewRez. Shellpoint assessed {$61.00} per month in late fees. 

To track Shellpoints receipt of payments, XXXX payment was sent to Shellpoint via trackable mail which was available for Shellpoint to pick up on XX/XX/XXXX. USPS tracking information shows : M-F XXXX ; SAT XXXX, SUN XXXX and XX/XX/XXXX as Available for Pickup. 

Shellpoint did not pick up this mail containing payment on XX/XX/XXXX but authorized this mail for delivery on XX/XX/XXXX. ( See attached ). 

Despite of this mail being available for pick up on XX/XX/XXXX, despite of this mail being authorized for delivery and delivered to Shellpoint on XX/XX/XXXX, Shellpoint marked this payment as received on XX/XX/XXXX which is three days later.

Shellpoint/NewRez is aware of its predatory practices before this complaint was filed as Shellpoint/NewRez refused to take any action and continues to assess its predatory late fees on timely payments.

Shellpoint is obligated to check its mailbox daily at the end of the day and as directed by USPS to be before XXXX M-F, before XXXX on Sat and before XXXX on Sun ( see tracking info for XXXX mail and USPS instructions for XXXX XXXX XXXX in XXXX TX. ). Shellpoint should mark all mail containing consumer payments as received on the day such mail is available for pick up for Shellpoint mailbox XXXX XXXX XXXX in XXXX TX. Any delay of Shellpoint in processing these payments should not cost consumers hundreds of dollars in late fees.

I demand Shellpoint removes any and all unjust, deceptive and/or unearned fees on their account XXXX, provides all accounting ( sent separately ). I equally demand Shellpoint to produce post office stamped envelopes to support Shellpoints theory of receipt of the above-mentioned payments on XX/XX/XXXX and XX/XX/XXXX as Shellpoint claims it received them.

Further investigation is warranted.
Product: Credit reporting or other personal consumer reports

I requested fraudulent accounts to be blocked on my credit file several times. The credit furnishers failed to do so and sent me a letter stating that they were not gon na block it and suggested I requested this in error. They treated it as a regular dispute process which the creditors says it's verified which of course it is my information. This violates my rights as a consumer under the FCRA
Product: Credit card

Discover bank frozen my account for XXXX to 12 days due to I used thier Discover debt card at ATM for suspicious transaction. A Discover Agent told me that I have to fill out a ID verification form and have the notarized. The Discover Bank to me that my funds will be available within 2 to 3 days. Due to my direct deposit is on their debit card. I cant buy food, gas, medication and/or my bills due to Im disable.
Product: Consumer Loan

I had a loan with Republic Finance LLC whereas I owed {$3000.00} from XXXX/XXXX/XXXX to XXXX XXXX. The loan was for two years. In XXXX XXXX there was a hurricane and I asked the company could I delay paying them until XXXX and they said yes. I had been paying them and if I ran into a problem, I would call them. They put me delinquent on XXXX/XXXX/XXXX where as Republic agreed that I would pay them in XXXX XXXX, but on the credit report they stated the first delinquency was XXXX not XXXX. Tried to file a Judgment against me. I had called them prior to issuing the Judgment and told them that I was going to pay them off in XXXX XXXX. They said okay. They filed a lawsuit for a Judgment on XXXX XXXX, XXXX but the Judgment did not go through because I answered them and said I was going to pay the loan off. They sent to the credit bureau that I was in collection and was never in collection, that I was {$540.00} past due and I was not. Put down I had XXXX 30 days late and XXXX 60 days late to ruin my credit even though I paid them {$1400.00} in XXXX XXXX. They filed against me and my husband because we had a house. After explain the situation in an Answer, the Judgment was not file but tried to make me pay a collection which did not happen. I told them that I was going to pay them off in XXXX XXXX. They wanted a Judgment and since the Judgement did not happen, they put down I was in collection from XXXX through XXXX XXXX. This was Republic Finance LLC, XXXX XXXX, Manager but they moved from the address. The address of the home office of Republic Finance is XXXX LA XXXX. XXXX number XXXX. The account # XXXX. They have ruined my credit when I paid them off eight months before. Republic put down that I had 30 days past due on XXXX, XXXX, and XXXX and 60 days past due on XXXX, XXXX and XXXX and collections for XXXX, XXXX and XXXX. Never received anything but the Judgment they tried to do. This was done to put a lien against my home. Did not try to work it out. The loan was {$120.00} a month. When I did not pay on the due date, I paid the {$10.00} late charge. Sent me a letter on XXXX/XXXX/XXXX and filed lawsuit on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, told them I was going to pay them off in XXXX. On XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX and on XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, therefore, I could not have the 30 days past due or the 60 day as stated by Republic. They told the credit bureau that I paid off the collection which was never in collection. This company did not care that I was going to pay off this loan and deliberately put incorrect information in the credit bureau to ruin my credit. Companies like Republic Finance , LLC should be investigated for the strategies used on consumer. I talked the District Manager several occasions but upheld what was done.
Product: Credit card or prepaid card

FINAL 3 day notice to pay rent Bluebird by American Express did not make my bill payment to my rental office XXXX
Product: Credit reporting or other personal consumer reports

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my requestXXXX XXXX  XXXX Balance : {$310000.00} XXXX XXXX HM XXXX XXXX Balance : {$770000.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} XXXX  XXXX Balance XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. My information was exposed in the Equifax data breach and aslo a XXXX Data breach see supporting documents.
Product: Student loan

Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint regarding my experience with Credit Karma Money Spend Account. I have encountered several issues with my account, which have not been resolved despite multiple attempts to rectify the situation.

1. Locked Out of Account : On XX/XX/2024, I was locked out of my Credit Karma Money Spend Account without any prior notice or explanation. Upon attempting to regain access, I received a message stating that multiple incorrect codes had been entered and to wait before trying again. Despite waiting for more than 48 hours as instructed, I am still unable to access my account.

2. Inability to Conduct Instant Transfers : Additionally, I have encountered difficulties in conducting instant transfers for funds from my Credit Karma Money Spend Account. This has caused inconvenience and has restricted my ability to manage my finances effectively. 
3. Unable to Access Virtual Card Information : Furthermore, I have been unable to access essential information regarding my virtual card, which is necessary for online transactions and other financial activities. This lack of access has hindered my ability to use my account efficiently. 

I have made numerous attempts to contact Credit Karma Moneys customer support team to resolve these issues, but I have not received satisfactory assistance or resolution. These ongoing problems have caused significant frustration and inconvenience, and I believe they constitute a violation of consumer rights.
Product: Credit card or prepaid card

Capital One has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. 

I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

And I never opt in for over limit transaction with XXXX XXXX XXXX. Capital One has approved the transaction and it has damage my credit score pursuant to the Card Act concerning billing statement XXXX XXXX XXXX XXXX - XXXX XXXX ) regarding the opt in for over the limit transaction and the minimum payment disclosure.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the EXPERIAN CREDIT BUREAU, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}
Product: Credit card

I am writing to bring to your attention a matter of concern regarding the adverse action taken against me, which I believe violates my rights under the Equal Credit Opportunity Act ( ECOA ). On XX/XX/year>, I received a notice from American Express stating that adverse action had been taken against my application for a Credit Card. The notice principal reason ( s ) stated that the decision was based on " FICO Score ''. However, I believe that this action was unjustified and discriminatory, and it has had a significant negative impact on my financial standing.

Statement of specific reason 12 CFR 1002.2 ( b ) ( 2 ) must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. Furthermore, Rules for Taking ApplicationsSection 202.5 of the Equal Credit Opportunity Act, Regulation B prohibits creditors from requesting and collecting specific personal information about an applicant that has no bearing on the applicant 's ability or willingness to repay the credit requested and could be used to discriminate against the applicant. As an applicant, I have the right to be treated fairly and without discrimination during the application process. 

I tried resolving this matter with American Express and was unable to resolve this matter.
Product: Checking or savings account

My PayPal account was used for an unauthorized transaction of {$200.00}, as soon as I saw the transaction, I contacted PayPal and reported it. I opened a claim XXXX XXXX PayPal acknowledged the fact that the someone used my email and password associated with my PayPal account to checkout and pay for services. PayPal prompted me to change my password, and I did as requested, and they opened an investigation. After over a month of going back and forth, PayPal decided to pursue this investigation as order was not delivered, which wasn't the case here. They shared a tracking number for an order that was delivered to an address somewhere in XXXX to someone, although I clearly explained to them that this was unauthorized transaction, they purposefully or carelessly decided to pursue this case as order not received. They decided that given that an order was received, then there is no refund, and told me if you don't like this decision, submit a complaint. 

PayPal appears to be neglecting the fact that alleged order was delivered to someone that has nothing to do with me, and to an address that has nothing to do with where I live. I contacted them again to iterate the fact that they clearly didn't do their due diligence and they should have pursued this as unauthorized transaction and submitted another claim, eventually decided that no unauthorized transaction occurred and denied the claim again, even though the evidence is clearly obvious to you that someone has had access to my account, made an order and had it delivered to them. They came up with a bogus excuse that the account was used from a so called trusted IP address, but when I confronted them with more details, they didn't respond. 

I repeatedly explained to them it's unauthorized transaction the point of concern. 
PayPal is egregiously refusing to refund for a fraudulent transaction. PayPal team acknowledged the transaction was done by someone who had access to my email and password. They are implicitly accusing me of making something up because they say an order was delivered, regardless of how many times I tell them I had nothing to do with that order, as it clearly shows a different person and address associated with that order and tracking number. 

I contacted the claims appeal department repeatedly to ask them on what basis did they decide that the transaction was not " unauthorized '' but they neglect my emails. I am very disappointed with them, they didn't honor the zero liability protection and they just keep coming up with an excuse after another.
Product: Prepaid card

Received a {$50.00} prepaid Visa Debit card as a gift. I have tried to use it online and in-store without luck. Constantly rejected as " potential fraud. '' I have tried contacting the company via the website and XXXX number, but there is no answer. When I use the website to check the balance, it says {$50.00} worth of value is stored on the card.
Product: Debt collection

This leasing company returned my security deposit after i completed my lease and moved out. Then over 2 years later this debt appeared on my credit report. They did not send me anything to give me a chance to dispute before placing on my credit report. I have contacted company several times and asked them to send me validation of debt and was told they did n't have to validate anything to me and just to pay them.
Product: Mortgage

I am filing a formal complaint against Freedom Mortgage Corporation ( XXXX ID : XXXX ) for deceptive lending practices related to a mortgage refinance offer. Their misrepresentation of fees, failure to disclose material changes, and attempt to obscure increased costs amount to predatory lending and deceptive trade practices. 
Key Details of Misrepresentation In early XX/XX/year>, I was solicited by Freedom Mortgage Corporation with an offer to refinance my VA loan. The representative, XXXX XXXX XXXX ( NMLS ID : XXXX ), assured me of the following : Interest rate reduction of 0.5 %. 
The only cost would be a {$2700.00} loan origination fee, which would be added to the loan balance. 
A one-month skipped payment, which if still applied to the loan would in effect cancel the fee as the payment was more than the fee. 
However, when I received the second round of Disclosures on XX/XX/year>, I discovered the following material misrepresentations : 1. The total closing costs were actually {$8200.00}, nearly triple the originally promised cost. 
2. They attempted to obscure the cost increase by falsely claiming that my skipped payment was a financial savings.

3. Material changes to my loan were not disclosed upfront, and I was only informed of them through a " Changed Circumstance Letter '' after the fact.

4. The " Illinois Notice of Material Change in Loan Terms '' falsely listed " N/A '' in all sections, despite the significant increase in closing costs. 
Breakdown of Actual Costs ( from the Closing Disclosure ) Origination Fee : {$2700.00} ( originally disclosed ) Total Loan Costs : {$3400.00} Total Other Costs : {$5500.00} Lender Credit : - {$720.00} Final Closing Costs : {$8200.00} These figures clearly contradict the initial terms presented to me. 
Supporting Documents ( can be supplied on request ) Closing Disclosure ( Final Loan Terms & Costs ) Changed Circumstance Letter ( Retroactive Justification of Increased Costs ) Illinois Notice of Material Change in Loan Terms ( Incorrectly Filled Out ) Closing Disclosure Acknowledgment Requested Action I request that your office : 1. Investigate Freedom Mortgage Corporation for deceptive lending practices.

2. Take appropriate regulatory action to prevent similar misconduct, particularly targeting VA loan holders.

3. Require restitution or corrective measures to address the financial harm caused by these unfair business practices.

This type of misleading behavior preys on veterans and homeowners, misrepresenting cost structures while obscuring fees. I appreciate your attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 accounts 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

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX   XXXX  XXXX, XXXX XXXX, XXXX.