23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have read many times over the years that paying at least half of your mortgage payment XXXX weeks early will reduce your interest paid by a significant amount. I attempted this in more than one way with JpMorgan Chase but payments were not credited properly. 
My interest and principal payment is {$1600.00} monthly. I have always paid this on time and always with additional to principal. Initially by paying {$2000.00} by a few days before it was due on the first of the month. Then for my XX/XX/2023 payment, I increased the amount remitted to {$2100.00}, still in XXXX payment a few days before it was due on the first of XXXX. So far, so good. 
For my XX/XX/2023 payment, I began sending {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. JPMorgan Chase credited both those payments to principal and nothing to interest due nor the additional to principal and charged me an {$81.00} late fee. When I called them on the phone, the representative told me that I had already paid the late fee, and it could not be reversed. I then went into a Chase Bank branch and sat with a XXXX XXXX XXXX who got on the phone with customer service. XXXX told us that if the payments were changed to automatic payment ( JPMorgan would debit my checking account from another bank ), the payments would be credited properly. They also said that they would reverse the payments and apply them they way I intended and send me a verification of the corrections. They never did send verification. 
So, I started automatic payments at {$1000.00} XXXX weeks before the due date of the first of the month and a second automatic payment a few days before the first. JPMorgan then applied the first payment to interest only making my second payment inadequate to pay the principal due. Another late fee of {$81.00}. I called customer service, we spoke, but the following month they held the first payment ( which again was XXXX weeks early ) as unapplied until they recieved the XXXX payment - contradicting what they had told me about it being applied to principal when recieved. 
I then started sending the entire payment due plus an additional {$470.00} ( {$2100.00} payment ) XXXX weeks before the due date. They mis-applied that to interest and again charged me an {$81.00} late fee. 
My most recent conversation with supervisor XXXX at ext. XXXX was that early payments can not be applied until they are due, though she was very helpful in analyzing what had happened and said she would research early payments and get back to me. 
I feel that early payments should be applied properly rather than negating their intended effect of ultimately reducing the principal and therefore the interest owed. The bank has my money and should have a process to apply it properly after my several attempts to explain my intention.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just spent 1 hour of wasted phone minutes trying to place extended fraud alert through what i thought was equifax phone numbers. i tried doing it automated and it sent me to another language. i XXXX  equifax & got this site : https : //www.equifax.com/personal/contact-us/ so i wanted to speak to a human & called the listed # XXXX and got someone from XXXX. i told them i wanted to place fraud alert, because i didn't know if my initial fraud alert was 90 days or a year. he proceeded to ask? to confirm identity which i confirmed, until he asked me for the date of my initial placement of fraud alert. i told him i did not have paperwork or could even remember that was why i was calling him. HE REFUSED TO GIVE ME ANOTHER? AFTER I HAD ALREADY CONFIRMED MY IDENTITY. i ask to speak to supervisor because this XXXX was enraging me after i had already spent 1 wasted  hour on just trying to place an alert through automation. then he put me on hold for spite. THIS XXXX OF XXXX NEEDS TO BE FIRED. NOW I AM CONCERNED THAT I DID NOT EVEN CALL THE LEGITIMATE EQUIFAX CREDIT BUREAU PHONE #. 
ANYWAY, i called XXXX  and a XXXX cs agent confirmed that my initial fraud alert is still good till XX/XX/2020. THE SUPPOSED EQUIFAX CS AGENT DID NOT HAVE THIS INFO, SO NOW I AM CONCERNED THAT THIS SITE & PHONE # IS A SPOOFED SITE TO REDIRECT EQUIFAX CUSTOMERS TO IDENTITY THIEVES. 

PLEASE, PLEASE WILL SOMEBODY CONFIRM THE IDENTITY OF THIS SITE & PHONE # AS BEING THE LEGITIMATE EQUIFAX CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed the FIRST Request letter to XXXX, XXXX and EXPERIAN to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, XXXX and EXPERIAN to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, XXXX and EXPERIAN are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, XXXX and EXPERIAN to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my XXXX credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, XXXX and EXPERIAN to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, XXXX and EXPERIAN reports : # 1 XXXX  XXXX XXXX # 2 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX NA ) # XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX ) # 4 XXXX - XXXX # 5 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX XXXX # 6 XXXX XXXX XXXX XXXX
Product: Debt collection

- I received the first email debt notice from XXXX XXXX XXXX on XX/XX/XXXX, attempting to collect a {$7700.00} from me on behalf of Cascade Capital Funding , LLC. The debt was apparently for an ER visit to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
- This debt was first initiated by presumably the parent company, XXXXXXXX XXXX XXXXXXXX, on XX/XX/XXXX, the day after my visit to XXXX XXXX XXXX XXXX XXXX. I ignored it and they didnt press it either at the time. Both facilities closed shortly after. 
- By XX/XX/XXXX, I had received XXXX emails from XXXX XXXX XXXX, and my credit score had fallen from XXXX to XXXX, as the debt had now appeared on all my credit reports. 
- On XX/XX/XXXX, I sent a letter of dispute to both Cascade Capital Funding LLC and XXXX XXXX XXXX. In the letter, I informed them that I paid that hospital bill in full in the amount of {$460.00} on the day of my ER visit to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This was not a deposit. The charge of {$460.00} was for the treatment I received at the ER for XXXX XXXX  : an XXXX  scan, a shot of XXXX  and prescription pain medication. I told them to reinvestigate the matter and contact all credit bureaus to delete this erroneous debt from my credit report. 
- On XX/XX/XXXX, I received a 10th debt collection email from XXXX XXXX XXXX. 
- On XX/XX/XXXX, I resent the letter of dispute to both parties, this time as certified mail with a request for proof of delivery. 
- On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX dated XX/XX/XXXX, claiming that my dispute was frivolous and therefore did not require a response. I also received an itemized bill which stated the same information as the numerous emails : that I owe a lump sum of {$7700.00} to Cascade Capital Funding LLC. There was no broken-down list detailing exactly what medical service ( s ) or item ( s ) the charge was for. They also said that I owed this amount because my insurance did not cover it, but I did not have insurance at the time, hence why I paid {$460.00} out-of-pocket.

- Since receiving that letter, I have gotten 12 more debt collection emails from them, for a grand total of 22 emails since XX/XX/XXXX, telling me that my debt has been reported to all credit bureaus, and that I owe them {$7700.00}. I dont know what else to do, but I do know that 1 XXXX  scan and 1 shot of XXXX  do not cost {$7700.00}, and I paid for the service I received that day in the ER full. Please help me. Thank you.
Product: Checking or savings account

I opened an account to transfer XXXX to be paid {$700.00} to keep the amount for 90 day. When I opened the account they just provide me XXXX account which it has been charging me $ 30 month when my saving was under {$50000.00}. At the time of opening they didn't offer any other saving account for not charging {$30.00} under the required amount. There were no explanation for my to choose a different account not to be charged. 
I have been charged {$30.00} since last XX/XX/2021. I visited the bank and closed my account with the bank. 
I believe they have to explain other option to the clients other than what they like to offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my personal credit multiple times without my consent.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX || Account Number : XXXX - Creditor : XXXXXXXX XXXX XXXX  || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX
Product: Credit card

On XX/XX/XXXX I used " Chase XXXX '' through my chase credit card points to book a hotel reservation. I used 89,701 points for the hotel reservation. On XX/XX/XXXX I called Chase to cancel the reservation. They confirmed that the reservation was fully refundable since I called during the free cancellation period. The cancelled the reservation for me and stated the points would be refunded to my points balance within 5 business days. They sent me an email confirmation of the confirmation which clearly shows I would receive a refund of the full 89,701 points. After not receiving the points after 5 business days I called Chase. They stated I am due the full refund and they will escalate the issue and I would receive a refund shortly. I called up again on XX/XX/XXXX and again they state they are escalating the issue but it has now been another week and I still have not gotten my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and faxed XXXX, TransUnion, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute about a fraudulent account on my credit report to XXXX and Experian XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated The United States Code Law 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 written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Sincerely, XXXX XXXX
Product: Credit card

Bread Financial ( Comenity ) has hit me w/ a massive fee of {$570.00} in Interest Charges because the entire balance wasn't paid in full by XXXX XXXX, XXXX. 

This company is using Predatory Lending to lure consumers into their heavily advertised offer " 0 % Interest for 12 Months '' when shopping on the XXXX XXXX XXXX XXXX XXXX 

I've been faithfully paying {$80.00} each month for 12 months - and also paid similar amounts each month for the entire year before that ( all of XXXX ). 

In XX/XX/XXXX, I owed a total amount of {$1100.00} - then suddenly after XXXX XXXX, I owed a staggering {$1600.00}. 

I called the company on XXXX XXXX, XXXX to ask for some leniency on this excessive interest charge which is somewhere around 25 %. They refused to offer any type of reduction or leniency, even when I offered to pay the original balance in-full. 

I told the representative on the phone that I was not aware that the 12 month promo had expired and all she said, was " You should have known that the 12 month promo offer expired ''. 

This is the worst form of predatory lending and should be illegal. Consumers need to have some form of recourse when faced with a massive financial penalty such as what I've experienced. It is underhanded and erodes trust in financial institutions and lenders in general.
Product: Credit reporting or other personal consumer reports

In accordance with t

he Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX 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

They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth 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 1692c 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.
Product: Bank account or service

I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not send me my credit report. I requested it by the annual free report phone system, and Equifax sent me a letter saying I have had a free report in the last 12 months. 
This is incorrect. 
I have not received a credit report from Equifax in at least three years. Every year I try to get a report from Equifax, and I fail the questions. I suspect there is incorrect data in their report, but I can not get my report. I can not speak to them on the phone because I fail their questions. 
I locked my credit report with them ( I still have the pin ) at the time of their data breach, but I can not log on to their website because I fail their questions.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Checking or savings account

I opened a checking and savings account with capital one in XXXX  I funded the account on XX/XX/XXXX with a cashiers check for the amount of {$6900.00}. I was given a receipt of my available balance dates and an email to confirm the receipt. I still have no money in my account to this day XXXX XXXX XXXX  I have been blocked from calling customer service as well. I am only allowed to leave a voicemail. I have left 2-3 and have yet to receive a call back. The funds have been verified and released and I still have nothing. This is a personal attack on my personal and a criminal offense. My consumer rights have been violated tremendously. I was told via a female supervisor on a recorded line XXXX XXXX XXXX XXXX XXXX XXXX inside the XXXX XXXX XXXX  in XXXX XXXX  ; That my account was CLOSED and I would be issued a check of my funds to the address on file. I was then transferred to speak with an XXXXXXXX XXXX on the same recorded line who was supposed to be her superior. He lied to my continuously. I had to demand he call the other bank on a 3 way connected call due to his consistent lying. I was able to catch him in several lies at that time. As the beneficiary of this account I have demanded my funds several times. This being my first time in writing and I am asking for help at the same time. I called the FDIC & Capital one Headquaters but have received no help thus far. Due to my frustration and the suspicious environment I wasn't able to gather any representatives name I spoke with but I was able to record the time frame and date of the said recorded call. I have been asked bias questions about my cashiers check that have nothing to do with the verification of the funds. The check I deposited had a number on it to call to get the check verified but capital one refused to call the number several times. They stated it wasn't policy. asked for that in writing and they refused that as well. How can you not give me your policy in writing? Or direct me to where I can find this factual information. I want my all of my checking and savings account closed on both the private and public side and I want to be provide proof of such request. 

Since then I have been keeping a constant log of whom I been speaking with and I also have physical recordings of our conversations and the lies being told. I was told they spoke with the lady doing the actual investigation and she refused to lift to restriction from my account even though I am the SURETY/SUBROGEE/BENEFICIARY to this account. My debit card doesnt work but I can make deposits into my account with no problem. 
I contacted the CONTROLLER OF CURRENCY as well! 

Capital One bank is claiming to be doing an investigation to insecure the funds will not be reversed but they have provided no proof and I have proof from the issuer of the cashiers check deposited that the funds are good and they have been deposited. Yet I have no access due to bias reasons.