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

On XX/XX/XXXX I was billed an annual fee of {$29.00} on my Capital One XXXX credit card. This card was originally opened in XX/XX/XXXX as a starter card to build up my credit. Within the last year, Capital One upgraded me to the new version of the same XXXX credit card. I called Capital One to question why I am still getting charged an annual fee of {$29.00} when it clearly states on their website that this card has no annual fee. I was told that the annual fee is dependent on the credit rating. I stated that can not be true because in the credit card lending statement it nowhere states that credit rating can affect and change the annual fee. They retracted and said that is correct but my annual fee has been carried over from my original terms. I spoke to a XXXX and they stated that they can not permanently remove the annual fee from this card even though if I were to apply for this same exact card right now, it would have no annual fee. I explained to them that is unfair to a consumer. I get a credit card with their company to build my credit. I do exactly what the card is designed to do which is to build my credit. I have had this card for 9 years and built my credit up to XXXX but Capital One can not honor what it states on the terms for this credit card. The XXXX credited me the annual fee for this year but told me the only options that I have is the cancel the card or apply for a new one. I asked if they could upgrade me to a card with no annual fee. They stated that they have no cards that I can be upgraded to without a fee. In conclusion, Capital One has only left me the option to cancel my credit card and lose 9 years of good credit history or run my credit for a new card with them to a new card because I can not be upgraded. Doing both these options will lower my XXXX XXXX. So if I want my credit not to be affected I have to pay an annual fee on a card that no longer has an annual fee.
Product: Mortgage

Capital One has continually tried to keep extorting me financially. In their recent discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} in XX/XX/XXXX and that at the time of the error my account should have been reinstated and monthly billing statements should have commenced. 

However, instead of reinstating my account for a monthly billing statement to be sent to me monthly, they again falsely claim that they never received payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 ( for the record, XX/XX/XXXX has been paid too ) which are all false and fraudulent. Then, they have asked me to pay them {$1200.00} from know where. Plus, tag on late fees, and something else called " Other fees '' ( XXXX idea what " Other fees '' mean. And, it should n't not be added to me ) As prove, I have attached prove of checks paid, received and cashed by Capital One for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 The same months they claim they never received payment. 

Hence, I ask that Capital One adhere to they following : Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 and send prove of credit applied to the account. 

I strongly believe that this banks actions are intentional. No bank in the world can make this much mistakes on XXXX account unless its intentional. Therefore, the bank can not claim that it was another unintended mistake. Either way, if the bank has this many incompetent people working for them, then it 's worth the XXXX taking a closer look at their practices. I am pleading with the XXXX to really zoom in on this banks activity. My case might and will not be the only case with such challenges. 
Please find attached, prove of payments to disprove their claim of none payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I tried to cancel an Equifax account on behalf of my mother. She passed away. On XX/XX/XXXX, I emailed in the documents I was asked to send. My driver 's license front & back, a copy of the death certificate, & the will stating myself as the Executor. I was told it would take 10 - 15 business days to close the account. I noticed on my XXXX credit card statement, I was still getting charged. I contact my credit card company & they opened a ticket to remove my charges. It is now XXXX & I still have the charge of {$20.00} on my credit card statement. I called Equifax today & spoke with XXXX. She confirmed they have received my documents to have my mother 's account closed as of XX/XX/XXXX but can not tell me why it has not been closed. She asked to send in my documents again. For what reason? She confirmed they have received my documents as of XXXX XXXX has now told be it will take 3-5 business days to close my mother 's account.
Product: Credit reporting or other personal consumer reports

I want to refile this please as my formal complaint to CONN CREDIT CORP /CONN APPLIANCES INC for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANY ONE MAIN HAVE PULL MY REPORT THREE TIME AND I LOST 21 POINT WITH OUT MY AUTHORIZE AND DID NOT APPLY WITH THEM, you can not give some one information with out there consent or authorize that is a serious violation of privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I've had to address my XXXX XXXX account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to XXXX on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the Trans Union report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from www. annual report.com. I am escalating this issue because XXXX XXXX had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that XXXX already has to expedite the resolution of this issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX ( XXXX ) XX/XX/year> MIDLAND CREDIT MANAGEMENT Attention : Chief Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : [ List all collections entries you want to be removed, including creditor name, account number, and any other relevant details ] Last 4 Social 3410 I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies.

The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation.

Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on XXXX communication. Pursuant to the FDCPA XXXX5 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

On XXXX, XXXX 2021, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe.

I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation . Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.
Product: Debt collection

This company tried to place debt on my credit report without legally verifying or validating it under the fair credit reporting act. The company never exchanged goods or services or any exchange of monies. This company has since placed a charged-off statement on my credit report dropping my credit rating XXXX points!!!
Product: Checking or savings account

I received 3 books of checks from " TD Bank '' in my name. I do not have any accounts at TD bank and I have not opened any at this institution. I called to report the fraud and they confirmed that someone opened this account using my Social Security Number, they gave me the information to report this issue to the Federal Trade Commission, that website directed me to the CFPB so I can formally submit this complaint.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter XXXX. 
Information remains inaccurate & inconsistent thru 3 bureaus credit report
Product: Credit card or prepaid card

I started receiving my Indiana child support on the Way2Go Card last month. I have had three deposits and have not been able to withdraw cash out of an ATM without being charged a fee. I have attempted to call multiple times and have spent hours on the phone on hold trying to file a dispute and getting this resolved without any help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
Account XXXX Account XXXX Account XXXX Account = XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTENINSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card AND FTC AFFIDAVIT proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c
Product: Checking or savings account

A wire was sent to my Comenity Direct account on XX/XX/XXXX in the amount of {$44000.00}. However, the Bank did not book in the funds until 3 days later on XX/XX/XXXX, depriving me of three days interest. The Bank justified its ' action by falsely claiming that XX/XX/XXXX was a Bank Holiday, with a subsequent weekend. The XXXX XXXX  Reference Number that proves the funds were received on XX/XX/XXXX is XXXX. 
I request the CFPB compel the Bank to credit my account three days of additional interest.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted KeyBank regarding fees on my checking account that caused my account to go negative and thus causing an overdraft fee. In an effort to just move on from Key, I took care of the negative balances and fees and closed both checking accounts and my Key credit card. The credit card was showing closed online a few hours later. I thought all was well until XX/XX/XXXX when I logged into my accounts to make sure everything was properly closed. At that time, I noticed that my card was no longer showing closed and there was a {$.00} charge on my credit card. On that same day, I received a letter in the mail from Key stating that the account had been closed.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Product: Credit card

On XXXX/XXXX/2015 I ordered a furniture set from Sears using their credit card. I received a bill for {$760.00}. The bill was due on XXXX XXXX, Saturday and I sent it in 7 days prior to the day it was due because it was a Saturday. I paid the amount in full. On XXXX, I received another bill from Sears with a fee charge of {$25.00} and interest charge of {$14.00} for a balance of {$690.00}, not even sure where that came from I have no balance prior to the above mentioned, totaling {$39.00}, because they did n't cash my check until Monday. I have noticed while reading comments that many people have had this problem and because Sears was n't resolving it they were getting more fees tacked on while disputing. I sent a letter to them on XXXX but I would like to make sure it gets resolved so I do n't get additional fees. According to the new law when a payment falls on a weekend, holiday or when the business is closed I should not be subject to late fees.According to their rules you can call them but they are not required to investigate without a letter, so I did n't bother to call.
Product: Money transfer, virtual currency, or money service

I was reached out to via a friend 's account on facebook messenger. This was not a new friend and not a new account under their name. They told me to go to this website ( XXXX XXXX XXXXXXXX ) and purchase an item, they should send me the item, and refund my money for helping out with their website. To get the item, you had to pay the person I thought was my friend via PayPal. I never got my refund and when I reached out to ask about they said I needed to resend the money because the order was not confirmed and they would refund me twice. I feel for it 3 times, unfortunately. I have filed a dispute with PayPal and XXXX. PayPal says they can't do anything since it was a " XXXX and XXXX '' payment. XXXX says they can't do anything because it is PayPal 's decision. XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Product: Checking or savings account

I applied for an " eAccess Money Market account '' from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX via an internet online application on XXXX. 


Upon completing the application online, I got an online message saying they are verifying all of my information. 
I was given a Reference Code of XXXX. 

I called several times and was told I'd be receiving an email and was told by other reps that I would be receiving a phone call. 

I never received an email or a phone call. 

On XX/XX/XXXX I called them again and was told by supervisor XXXX that my application was declined and I would be receiving an email notifying me of this and a letter giving the reasons. 

I never received an email or a phone call or an explanation. 

The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted. 

I emailed and called numerous times asking for this but never received anything except a claim that I was sent an email statement " The email rejection letter was sent to you on XX/XX/XXXX at XXXX. '' That was never received by me and I believe this is a false statement, as I have no problem receiving emails, this is the only entity claiming I was sent an email I never received, and I received every other email from Investors Bank except for this alleged one. 

I asked for it to be resent and was told that would not be possible, again making it clear that there never was such an email. 

I asked for the agency/agencies consulted for my information and was simply sent a list of every credit agency, but not the specific ones consulted. 

This is clearly a breach of the CFPB rules. I demand that Investors Bank provide me with the information as required by CFPB regulations. 

Thank you, XXXX XXXX