23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Capital One/GM card for many years and used it to build up dollar credits to be used when purchasing a new XXXX automobile. I always paid my balance in full at the end of every month. Upon returning from vacation in early 2014, and retrieving my held mail from the post office, there was a Capital One bill in the mail stating I owed XXXX plus a late fee charge of XXXX. I immediately contacted Capital One. After explaining that I had just returned from vacation and found this bill in my mail, the supervisor agreed to waive the XXXX late fee and accept my XXXX as payment in full. I paid immediately thinking all was well with my Capital One account. Some time later I tried to use the card and it was rejected. I called and the representative informed me that my card had been cancelled due to delinquent payment. 
I am now purchasing a new XXXX vehicle and upon trying to use the Capital One/GM credits I had accumulated over the 10 or so years I used this card, I was told the credits are expired and there would be NO WAY of retrieving any benefit from the expired dollar credits. 
It 's my contention that Capital One unfairly cancels customers cards with very little provocation in an effort to extinguish their purchasing dollar credits and thereby saving Capital One or GM large sums of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON about XXXX XXXX, 2023 I disputed inaccurate information on my credit report with the following credit bureaus, EXPERIAN, XXXX, and XXXX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to so.
Product: Debt collection

I sent a validation of debt letter through the CFPB on XX/XX/year>. 
I asked for 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

I was provided with a statement of charges, and no documentation showing that there was a contract with me nor my signature.

The documentation provided was showing how it would look I assume if someone was applying for a card. None of the information on the " fraudulent application '' was mine. Furthermore I have no legally binding contract with your company.

If this matter isn't resolved, I will sue for statutory damages. 

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Account number : Your NAME : XXXX XXXX XXXX our address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX Dear LVNV FUNDING LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : JPMCB CARD XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX USA XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XX/XX/year> XXXX XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of the hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer hard inquiries are the result of identity XXXX.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.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: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX and DEPT OF EDUCATION/NELN XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or NelNets customer service representative.
Product: Credit card or prepaid card

I am writing to file a complaint against Goldman Sachs for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Goldman Sachs denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. 
The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$1700.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. 

According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Goldman Sachs, have a zero-liability policy for fraudulent charges. Despite this legal protection, Goldman Sachs denied my claim and decided to remove the temporary credits applied to my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Goldman Sachs. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy.

Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 card

This complaint involves that Citi Bank in that they charge my credit card {$5100.00} on XX/XX/year> and {$1200.00} on XX/XX/year> Totaling {$6300.00} to Holiday pay XXXX XXXX, Nevada for a merchant located in XXXX XXXX, XXXX, These transactions were dependant on the merchant purchasing our property by XX/XX/year> for & XXXX and marketing for {$17000.00} totaling {$97000.00}. A written into contract between the merchant and XXXX. When the merchant failed failed to buy our property by XX/XX/year>, we considered all previous transactions to be fraudulent simply stated the merchant ask us to buy their property first and then he would buy our property after, When the time came they did not fulfill their end of the contract The merchants involved are A XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their affiliates, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX XXXX Nevada. As soon as we became aware of this fraud XX/XX/year> we reported this to Citi Bank and provided them with copies of contract and other documentations. However the bank continue to accept the word of the merchant that the transactions was legitimate. The bank also claimed that we waited too long to report the incident, But our position is that the transaction was no longer legitimate when we became aware that they had no intentions on buying our property, It is that the merchant deceived us by delaying his purchase of buying our property to make time to reporting a complaint null and void. But we believe that we reported to the bank this fraud as soon as we became of fraud. A Boutique is stating that they are not returning our money and cancelling our membership because we have a balance due. We pay the contract in full by maxing out our credit cards under the assurance from XXXX XXXX that we would receive the money by the end of XX/XX/year> in the amount of {$97000.00} to pay off our credit cards. XXXX XXXX  was able to recoup {>= $1,000,000} for us and that is why A Boutique claims we have a balance. Now A Boutique is keeping our money in total of {>= $1,000,000} this includes another credit card I used to pay off the contract. We are paying for their timeshare for which we do not own. Since then I had to do several balance transfers so my credit would not go bad and this has caused me a financial burden. At the time I issued my credit card these transactions were legitimate but when I realize that they were scamming me and committed fraud it became illegitimate. 
thanking you XXXX XXXX
Product: Checking or savings account

On I called XXXX FISERV regarding a duplicate payment ( 2 ) of {$90.00} reflecting on my XXXX XXXX XXXX  XXXX  ACCOUNT. The agent I spoke to stated they notify the XXXX Banking Dept. however I receive an email. On XX/XX/XXXX, I received an email stated the following : Fiserv, the service provider for Bill Pay with XXXX XXXX XXXX, processes the payments that you make through Bill Pay. At your request, Fiserv processed the payment to XXXX  XXXX XXXX  on XX/XX/2022 for {$90.00}. However, after sending money to XXXX XXXX XXXX, Fiserv could not withdraw the funds from your payment account. Fiserv 's second attempt to withdraw the funds was also unsuccessful. As a result, the money Fiserv sent to XXXX XXXX  XXXX  on your behalf was returned to Fiserv. 

Their error has caused my XXXX account to be closed because they provided incorrect and fabricated information to me. 
There have been several instances where XXXX and FISERV provided incorrect information causing negative affects on accounts and/or fees especially how transactions are processed.
Product: Vehicle loan or lease

XX/XX/2017 my auto was totaled, made a phone call to the insurance company and the lien holder as well as made a call to the gap company to let them know what was going on so they can get this taken care of. The insurance company XXXX XXXX offered a settlement in the amount of {$6300.00} and the gap company paid the remaining balance of {$1600.00} I recieved an email from my insurance company with a copy of the check that was sent so I called my lien holder to make sure everything was satisfied and taken care of. Employee from Columbus Finance stated that I owed a balance of {$140.00} because there was interested added AFTER a payoff was given to the insurance company. I have never been made aware of this via email, phone or mail that there was an amount due from Columbus Finance they told me that it was n't their responsibility to make me aware of there being a balance owed. ( they then reported this to my credit stating I am 90 days past due ( again never was made aware of this until i called ) insurance company asked for further information the lien holder refused and said it was n't their responsibility for sending any further documentation. This company is a scam when it comes to the payoff of your loan they have several reviews about this same issue. The woman at the lien holders office even admitted that the interest was added after giving a payoff and letter of intent to the insurance and gap company. They do n't even want to listen to this on the phone they laugh at you and just tell you that you owe the debt and that this is an daily interest loan ( again I was never made aware of this or the daily interest amount ). They are just waiting for this to pile up so you owe a bunch of money. This needs to be settled in full. I have contacted the BBB, the OHIO ATTORNEY generals office and now I want this off of my credit report as I am not 90 days past due and I do n't owe this debt.The next step is going to be contacting an attorney to sue the company as well as the two individuals that were on the phone with me XXXX, and XXXX I believe where their names. They said it took 113 days to receive anything from the insurance company and that it needed to be paid in 10 days I have totaled a car before and it takes more than 30 days to get a check for a total loss, this is n't my fault if a payment is n't received as I am not in the office cutting the check or receiving the check. This needs to be disputed with the lien holder, insurance company, and gap company not me as I am not the one that has access to my account and the payoffs or interest on the account the lien holder does. I also financed Gap coverage in my loan so if something happened like this then my loan would be paid in full not be in this mess fighting back and forth with something that is out of my control.
Product: Mortgage

Tried to work out a plan to save my home, Wells Fargo would not work with me on it and I lost my house due to foreclosure. Tried numerous times without any response from Wells Fargo.
Product: Credit reporting or other personal consumer reports

West Lake Financial has listed this debt on my credit report as charged off. They have written off this debt and the debt has been paid. They are committing fraud. They have attempted to place judgement on my credit profile for additional money.
Product: Mortgage

CFPB Complaint USAA Mortgage USAA is referred to herein as the " lender ''. 
All agreements to transact real estate were made on the basis of a 15-yr 3.0 % mortgage with 5 % down payment as approved in the prequalification process with USAA. When lender later disqualified the applicant, the only options given to the applicant were 30-year terms and interest rates near 3.75 %. In addition, the lender then enforced a 10 % minimum down payment. 
Central to this complaint is that the lender baselessly ( or without disclosing the basis ) disqualified the applicant 's rental property income ( $ XXXX/month ) while using the rental property 's mortgage ( PITI = $ XXXX/month ) as a debt in calculating the applicant 's Debt-to-Income ratio. The disqualification of this income is not a FNMA policy and the loan processor could not state the basis or origin for this decision. Upon this news, the applicant tried to remove himself from the USAA loan and change lenders on the sales contract, but this was rejected by the Seller. 
As a result in order to get the 15-year mortgage, the applicant now has to refinance with different lender in order to receive the negotiated rate and term, but now must pay all closing costs again. 

The complaints are summarized as follows : 1. Prequalified the loan applicant for a loan product for which he was disqualified after entering into a sales contract. 
2. Initially given no interest rate option that did not include points. 
3. Enforced a minimum down payment by virtue of the property being considered a condominium, even though it could be legally considered a single family detached property. 

Proposed remediation Refund all closing costs from the USAA mortgage.
Product: Credit reporting or other personal consumer reports

Lexis NexisXXXX XXXX is reporting inaccurate information on my consumer/credit report. 

I have disputed these items on XXXX.

I received a email on XXXX that they don't have any records of these items.

I will attached the consumer report I received from LexisNexis/XXXX XXXX  all inaccurate are on PAGE 4 through 18 and PAGE 27 through 28.

I requested all inaccurate emails, addresses, phone numbers and ALL INQUIRES to be removal from my credit file. 

LEXIS NEXISXXXX XXXX are violating the following consumer law : 15 U.S.C Code 1681 This is not responds to original CFPB dispute XXXX ''. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer/credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I request an investigation into this matter. Those inaccuracies listed below are not mines. I requested the deletion of all inaccurate information.
Product: Credit card

Good afternoon, On XX/XX/year> I received a statement of Victoria Secret Co, of {$210.00} that was bill in total. I made the full payment and requested the account to be closed. I received a statement with an invoice of {$41.00}, I assume I had interest to pay since I closed it, so I paid it in full. I received an invoice today for the same fee, then I called to check what was going on. Per XXXX the XXXX XXXX that it couldn't be removed because it was an interest fee that a balance, I had for {$3.00} dollars that I had left. I explained this was ridiculous if I closed the account. He said the account was closed XX/XX/year> that also made no sense. I requested to remove the fees, because it is affecting my credit its under {$100.00} dollars and per the XXXX XXXX it should not be there anyways. They still refused. I advised I don't care to pay the {$3.00} but one it is not my fault they made a mistake with my cancellation that was not processed accordingly, and they should not charge fees of {$40.00} dollars for a $ XXXX apparent debt. ref # XXXX. 

I would appreciate assistance as I owe nothing and paid in full. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

We have a reverse mortgage that was sold to XXXX  XXXX in XXXX, XXXX last year. On XX/XX/XXXX our home was severely damaged by a tree that fell during a high wind storm. We contacted XXXX and received a packet of forms which we had to complete and submit including instructions that all home repair checks from our insurance company would come made out to us and XXXX. We were instructed to sign any checks and send them to XXXX. The amount of the first insurance dispersal was {$43000.00} which represented the actual cash value from the XXXX insurance estimate. We have replacement cost on our homeowners and XXXX procedure is to reimburse the balance after the work is complete. XXXX told us they would take 5-10 business days to process the paperwork and would then send us a check for only {$40000.00}. We were told that XXXX uses regular mail to send the check unless we provided a paid overnight USPS envelop. XXXX received the forms onXX/XX/XXXX and check on XX/XX/XXXX. I called XXXX Draft Loss Customer Service on XX/XX/XXXX and was told that our paperwork had not been processed. I called again on XX/XX/XXXX and the customer representative told me he would review the paperwork at that time, which he did and told me we would receive a check in 3-5 business days as he was approving our paperwork but it takes XXXX that long to disperse the check. I called again today XX/XX/XXXX and was told that no check was dispersed because I needed to provide additional paperwork. This was the first that we were told of any additional paperwork. I explained to them that they are holding only the first insurance dispersal, that they had all of information since XX/XX/XXXX and that our General Contractor has been working 2 months with no money. I have provided the additional information today and was told again that it will take 3-5 business days plus the extra 2 days that it takes for USPS to send mail to XXXX County MD from XXXX, XXXX. XXXX should not be allowed to hold this money, should provide EFT money transferal, and owes me interest on the money they have held. It is outrageous with computers that it takes XXXX this long to process and disperse a check.