23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a formal complaint against Capital One regarding predatory practices and unfair fees associated with my XXXX credit card account. Below are the details of my complaint : Details of Complaint : Nature of Complaint : Capital One prompts users to input personal debit card routing and account numbers when making payments, implying this as the recommended form of payment. However, this method has resulted in repeated issues with payment processing. 

Specific Issues : XX/XX/2024 : A payment of {$40.00} made on XX/XX/XXXX using my personal debit card was returned on XX/XX/XXXX due to processing delays. 
XX/XX/2024 : A payment of {$53.00} made on XX/XX/XXXX using my personal debit card was returned on XX/XX/XXXX, resulting in a late fee of {$40.00} imposed on XX/XX/XXXX. 
XX/XX/2024 : A payment of {$70.00} made on XX/XX/XXXX using my personal debit card was returned on XX/XX/XXXX, resulting in an additional late fee of {$25.00} imposed on XX/XX/XXXX. 

Despite following the suggested payment method, these delays in processing have caused repeated returned payments and excessive late fees. 
Capital One closed my account on XX/XX/XXXX due to these issues, further negatively impacting my credit score and financial stability. 

Actions Taken : I contacted Capital One 's customer service multiple times seeking resolution and relief from the excessive fees incurred due to their processing delays. 
However, the representatives provided no satisfactory assistance or resolution regarding the fees imposed. 

Resolution Sought : Immediate Reversal of Late Fees : I request Capital One to promptly reverse all late fees incurred as a result of delayed payment processing.

Review and Update of Payment Processing Policies : Capital One should review and revise their payment processing policies to ensure timely and accurate processing of payments, with clear guidelines provided to customers on acceptable payment methods and associated processing times. 

Consideration for Account Reactivation : Given the circumstances, I request Capital One to consider reactivating my closed account, understanding that its closure was primarily due to issues caused by the company 's payment processing delays.

Compensation for Financial Impact : Consideration should be given for compensation for any financial harm incurred due to the late fees and account closure, including potential damage to my credit score and associated financial costs.

I believe Capital One 's practices violate consumer protection regulations, particularly in their handling of payment processing delays and imposition of excessive fees despite following the suggested payment method. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure fair treatment of consumers by Capital One. 

Thank you for your attention to this matter. Please contact me if further details or documentation are required.
Product: Credit reporting or other personal consumer reports

I have found an account ( XXXX XXXX ) on my credit report that I did not authorize and this accounts need to be removed immediately, pursuant USC Title 15 1681b. I am writing to request immediate federal intervention regarding unresolved identity theft on my consumer credit report by : Experian Information Solutions Inc . Although I have received notice the account had been removed, the fraudulent account remains on my report ; this action violates my rights under the FCRA and to inflicts financial harm to my Family. I urge the CFPB to uphold my consumer rights as per the FEDERAL TRADE COMMISSION, to ensure immediate removal of this account : XXXX XXXX.
Product: Debt collection

XXXX   XXXX   XXXX  sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information. 

How did you talk to? 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update all late payment, all late payment was made on time XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

Synchrony Bank Amazon Store XXXX. I open an account with Synchrony Bank ( Amazon Store Card ) and in XX/XX/2019 and by XX/XX/2019, I had still not received a paper bill - for any billing cycle. They kindly waved the late fee in XXXX. However, when I missed XXXX 's bill ( due to not receiving a bill ), I was unable to convince them to remove the late fee. This account is now closed.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX # XXXX 30 days in XXXX 2021  and XXXX 2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card or prepaid card

As you can see from my account, I submitted a request to stop all junk mail and any mail services from Citi Bank for my former roommate XXXX XXXX on XXXX. On XX/XX/XXXX, I received an email with an attachment on company letterhead that confirmed that the mail for her would stop coming to my apartment. Three months later, I am still getting her junk mail and I am livid that the company said that it would stop and they confirmed it to me closing the case, but it is still happening. They are in violation of what they promised and the complaint is not rectified. I attempted to contact them through the phone number provided on the letterhead and they were unable to do so. They told me to call another number but to get through to that service, I need to have a Citi account myself. The fact Im having to spend any time at all to opt out of junk mail to my private address is ridiculous. An online site for opt out needs to exist so companies wont be allowed to assault people with their unwanted wasteful junk.
Product: Credit card or prepaid card

American Express offered a pandemic relief program to its customers with no penalties. I entered this 12 month relief program and just successfully completed it. I had no issues with payments or anything. American Express decreased my credit limit XXXX. I called and they told me they did decrease my credit limit due to being in their pandemic relief program. American Express fights for several social causes and I am so confused why they would penalize customers for accepting their pandemic help with no penalties. When I asked if they would return the limit back they refused. How is this treatment helpful to customers.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while I was incarcerated. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.
Product: Credit reporting or other personal consumer reports

XXXX -asked for removal of closed or inaccurate info. XXXX Equifax -asked for removal of closed or inaccurate info. XXXX Experian -asked for removal of closed or inaccurate info. XXXX XXXX XXXX XXXX  Never sent property documentation to prove purchase or amount. XXXX I have sent letters and e-mails to all above to remove the following for inaccurate info. The companies failed to send me an verification and/or remove closed accounts that were agreed could be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to my credit report, the original creditor named XXXX XXXX XXXX XXXX was removed from my credit report as of XX/XX/24XXXX LVNV FUNDING LLC purchased this debt from XXXX XXXX XXXX XXXX  and alleges that I owe the debt. Also according to my consumer reports from XXXX, XXXX, and XXXX, they are all showing different account statuses which is harming my ability to obtain credit for an automobile. 

As a consumer, I am entitled to receive certain information under the law governing debt collection practices ( 15 USC 1692a ). Within five days of the initial communication with me regarding the collection of a debt, the debt collector must provide me with a written notice containing the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement informing me that unless I dispute the validity of the debt, or any portion of it, within thirty days of receiving the notice, the debt will be assumed to be valid by the debt collector.

4. A statement informing me that if I notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against me, and will mail me a copy of such verification or judgment.

5. A statement informing me that, upon my written request within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor. 

These provisions are in place to ensure that I, as a consumer, am provided with essential information about my debts and am afforded the opportunity to dispute any inaccuracies.
Product: Debt collection

Received notice of tax refund used for debt notice in the mail sent XX/XX/2023 by the Michigan treasury department for XXXX. I have not taken any action because I did not know I was being sued by XXXX XXXX I XXXX XXXX XXXX This debt is well over 20 years old.
Product: Credit card or prepaid card

I got an closing account notice without any information. I called American express for answers and they find out that there are return payments and lead to account closed. However, the false payments are made by fraudster, they add bank account which is not mine and I don't even know who owns the account. I told them the situation but they still want me to provide the bank account information which I will not know because is added by the fraudster. No one is willing to help my account and the account have a value of over XXXX points which is almost equivalent to {$4000.00}.
Product: Mortgage

I had my mortgage servicing with XXXX and did have auto payment set up for first of every morning month. Today I logged in to realize that they sold loan already and latest payment from XXXX XXXX XXXX is still due. 

Both XXXX  and new service provider never informed me about transfer in writing so far. I was able to make XX/XX/XXXX payment with new servicer XXXX Mortgage with a phone number I got. Still don't have enough information to set up my online account with new servicer. 

Both providers are completely irresponsible with no communication at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For the past several months I've contacted XXXX and Equifax regarding the INACCURATE reporting of a charged-off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. For over XXXX mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of tri-merged credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting XXXX-days late within the time span of XXXX days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as XXXX days late. ( NOT POSSIBLE )
Product: Mortgage

The lender Bank of America placed insurance of my property and I was never fully explained how it worked. My old policy was somewhere around {$990.00} and Bank of America said that lender placed insurance would be slightly higher than what I could purchase myself but their policy was lower than what I was paying. I thought why shop around since lender placed is lower than what I was paying, I never was explained that lender placed insurance would only cover the structure of the house because that was all Bank of America had interest in. On XX/XX/2020 my truck was stolen while parked on the property of my residence with many of my belongings including many of my childrens XXXX presents. My truck was recovered with none of my belongings in it. Ive tried to file a claim with XXXX insurance company to no avail both for the contents of the truck and the truck as a structure. Which to my unsterdanding a vehicle is an extension of a persons home unless it is occupied. Therefore if insurance doesnt want to cover the contents of the truck they should honor the policy saying the policy covers structure on the property and the policy covers malicious activity and vandalism with {$1000.00} deductible. My truck received just above {$8000.00} damage from when it was stolen. I would be happy to take to a body shop to get an estimate for damages.
Product: Credit card or prepaid card

paypal issued two credits to my paypal credit account. 

one credit for {$47.00} on XXXX XXXX, 2020. PayPal Trans. id XXXX one credit for {$48.00} On XXXX, 2020. PayPal Trans. ID XXXX These credits were for recovery of bogus charges made against my PayPal account. 

I spoke with XXXX at XXXX a week ago and was told that these credits would be honored. 

THE CREDITS ARE NOT SHOWING ON MY LATEST STATEMENT FROM PAYPAL CREDIT
Product: Money transfer, virtual currency, or money service

live in the XXXX and have rental properties in XXXX from which I take income. Years ago I setup wire transfers with Suntrust and received the alphanumeric pin and got a repeat code for international transfers to my XXXX broker. Calling their wire ops and using my codes was quick and easy. I was concerned with the effect of the merger with Truist but everything seemed smooth. Until XXXX. When I called to initiate my usual repeat wire I was redirected to the new Truist wire operations department but it appears the system has changed and I now require a new 6 digit phone wire profile and corresponding pin. This is where the 'fun ' began. Over the first week in XXXX week I called 27 times and spent a total of over 7 hours on calls in an attempt to apply for these new access codes, but their system constantly throws me out as it does not recognise my lack of SSN, ( as a non XXXX resident I do not have one just an ITIN ), tells me I'm transferring to an operator and then cuts me off. If I try the wire numbers ( retail or Treasury ) I can't get past not having a pin to speak with someone. On the rare 3 occasions I finally managed to talk to an associate they didn't know what to do either and I've been transferred around everywhere in circles. The last call was with a lovely lady in Treasury who tried and tried to find this information for 2 hours and 13 minutes before transferring me in desperation and ... ..the number was " unavailable in my location ''. I've now tried 8 separate telephone numbers in the process. I used webchat and called my XXXX branch and no one there could help at all either. I even tried to contact Corporate headquarters but again ran into an automated menu with no option to speak with anyone directly. I emailed their CEO directly, their investor relation and even their media department but all were ignored. So, XXXX XXXX I made a physical branch visit as I was in DC and spent XXXX hours with a Senior Relationship banker as he tried to assist. I left him for another XXXX hours working on it and went to lunch. On my return he informed me that Truist does not have phone wire transfer facilities for " ordinary '' retail clients only for business and hi net worth accounts. Everyone else has to go into a branch ( from XXXX!? ) He then explained he had managed to contact the department that services hi net clients and they would make an exception for me. I signed the authorisations that day and flew back to the XXXX. That was nearly 2 months ago and I STILL have had no contact from anyone in Truist to give me the required wire profile code and pin to enable me to access my funds. This is the only way I can get at my money and Truist do not care, in effect they are knowingly obstructing me access to my funds for months now.
Product: Credit reporting or other personal consumer reports

There is a Transunion inquiry recently reported on my credit report that was not authorized by me I have been a victim of identity fraud & am requesting the inquiry be removed from my credit file XXXX is the name of the company that requested information
Product: Mortgage

CEASE AND DESIST XXXX Pursuant to 15 USC 1692c . ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. 
Do not close my account ( s ) without my authorized permission. 
Do not seize or attempt to seize anything in my possession. 
XXXX out the balance on this account. 



Best regards, XXXX : XXXX