23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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  XXXX # XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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 card or prepaid card

Hello. I am filing a dispute against Capital One with the claim of False Advertisement for one of their products ; the Capital One Quicksilver card. In XX/XX/2018 I applied for this card because it was advertised 0 % APR on purchases for 15 months. Here is a hyperlink to the offer https : //www.capitalone.com/XXXX In the terms and conditions sections of the offer, which could be found in the hyperlink, it also states 0 % APR on purchases for 15 months https : //www.capitalone.com/XXXXXXXX XXXX XXXX. I applied and received the credit card based on that advertisement. 
In XXXX this year I was charged an interest payment of {$54.00}. I called Capital One on this date and spoke with XXXX ID : XXXX. She notified me that I received terms of conditions in the mail that stated my 0 % interest rate expired, and that I received terms and conditions which reflected my 0 % APR was only good for 9 months ( I do not recall receiving this notification ), not 15 months. She also stated that only qualifying members receive 15 months of 0 % APR on purchases. My disputes can be summarized with these points : After discovering the interest charge, I was notified by multiple representatives that the 0 % APR on purchases was for " up to '' 15 months ; however all advertisements state 15 months with no asterisks. I applied for product under terms and conditions that the 0 % APR on purchases was for 15 months, and all advertisements and terms and conditions of the application state that. Finally when Capital One states that I received terms and conditions that state my introductory period was less that 15 months, I not only deny that claim but again direct you to the terms and conditions that are stated online. Once again, no where in the Capital One Quicksilver Card disclosures does it state that the 0 % introductory rate is " up to '' 15 months ; the card was applied for and received based on the advertisements and the disclosures. I would not have applied for the card if 0 % interest rate for 15 months was anything other than advertised. I request that you review the hyperlinks and conclude whether or not there a reasonable person would believe that the Capital One QuickSilver Card comes with a 0 % introductory rate for 15 months. Thank you. 
https : //www.capitalone.com/XXXX XXXX XXXX
Product: Mortgage

My conventional residential mortgage was transferred to Mr. Cooper for servicing shortly after purchase in XX/XX/XXXX. I do not have any paperwork or information on when/if Mr. Cooper plans to cancel my PMI. By my calculations, in XX/XX/XXXX, I surpassed a 20 percent equity holding in my property and was therefore eligible for PMI cancelation. 

On XX/XX/XXXX, per the instructions on Mr. Cooper 's website, I submitted a formal written request via U.S. mail to cancel the PMI insurance on my account as soon as feasible, or to provide what additional information was required to support my cancelation request. As of XX/XX/XXXX, I have still not heard back from Mr. Cooper, my account is in good standing, and my annual escrow analysis completed this month again shows PMI for the duration of this year 's projected costs. 

I maintain my XXXX request to cancel PMI on my account. Additionally, since the original formal request, by my calculations my equity has risen and my mortgage balance has dropped below 78 percent of the home 's original purchase price. It appears therefore that the company is in violation of Homeowners Protection Act of XXXX ; the servicer has not automatically terminated PMI for my residential mortgage, nor responded to my written request in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called Transunion and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX Hello XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. XXXX has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than XXXX hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : 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 AND INQUIRIES XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Money transfer, virtual currency, or money service

Joint account holder at XXXX XXXX XXXX XXXX Made a check out for XXXX to Bank of America XXXX : A A. B of A contacted, myself : XXXX G as a joint account holder of issued check. Reached out, per high quantity check, to see if it was valid, if we wanted it to go through. I said, I did not want it to go through, per B of A client, A A, previously having scammed XXXX my father. ( She needed help with funds, so was selling a truck, for XXXX. My father agreed to buy the truck. After he had paid his contribution, AA claimed they stole the truck and took it to XXXX. ) Hold was placed on releasing funds, per B of A connecting with MG ( Self ) sharing it was a scam, and to not release funds. ( AA had made XXXX believe, she had acquired a lawyer, to retrieve the funds from the " stolen '' truck Except, lawyer needed to be paid in advance {$15000.00}. (!!! ) XXXX, bought the story, check was written ) ) They recommended, I place a stop payment on check. I placed a stop payment, via XXXX ( issuer of check ) was charged a fee. Days later, I found out stop payment, did not go through, per funds already being at B of A Even though, B of A still had ( and still has ) those funds. 
B of A, decided not to release funds to their client, AA per lack of Trust. 
B of A had requested we get XXXX to XXXX funds. According to them, they can not give funds back directly to XXXX, it would have to go back, to the establishment : XXXX. 
So have XXXX : Recall the funds ( We've revisited B of A a number of times, they've shared they don't get why XXXX doesn't attempt to help us. ) XXXX, as of yet, has no forms that fit our scenario, since it was not fraud. They've connected with their Back office, XXXX has claimed ( XXXX XXXX time again, per various check, ins ) They can not recall our funds, because they don't have a claim form to do so. Apparently, thus far, they can't just make a new form, and we don't fit the other claim forms, criteria. So XXXX says it can not ask for our funds back per not having a form, that fits our situation. 
B of A has not released funds to client, nor to us, as the payee ( XXXX ). Yet, had shared, they'd like to help us, but funds " need to go back, via XXXX as the establishment '', so, theoretically, needs XXXX to Recall the funds. 

XXXX is unable to recall funds, per it not falling under fraudulent activity. 

We've lost touch, with the b of A client - recipient of check. ... The issuing of check was XX/XX/2022 XX/XX/2022 we were issued a stop payment fee ( Yet funds were not stopped. ) We need help, retrieving our {$15000.00} it's been over a year, without access to these funds. XXXX We are filing this complaint, requesting B of A release our hard earned funds, to us the XXXX. 
We've been without these funds for over a year and it has impacted us. 
Hoping to move forward, feeling supported.
Product: Credit card or prepaid card

I've suffered from two big negligent problems with this XXXX XXXX XXXX : 1 ) I never received a bill, nor ever was notified that my bill was due or close to overdue. There was zero communication from XXXX XXXX except for promotional emails about accumulating points and spending points. 

2 ) This XXXX XXXX advertises itself exclusively through its website and cell phone app. The only way to create automatic payments is through its cell phone app, but the cell phone app was always broken and wouldn't let me log in ( even though I was using the SAME username and password from the website ). In other words, the cell phone app was too buggy to use, so their advertised " automatic payments '' were dis-functional and un-usable. I've included photos from today of this dis-functionality between the web interface and cell app interface. 

The lack of any billing notifications, and the dis-functionality of their web/phone interface resulted in me never being informed of my overdue bill, nor able to setup auto payments for it. 

These problems are likely because this credit card is very new, and the web/cell interface is very new. It has bugs. Also there was zero customer service available by phone or email or webchat for over 3 business days that I tried to contact them. 

This resulted in an overdue status on my bill and a late fee. 

Due to their faulty system, I'm requesting that this XXXX credit card completely remove the overdue bill history of my account and restore my account history to a clean history so my credit scores don't get damaged from XXXX 's negligent faulty bill payment app.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Truist financial, which included GAP insurance incase of a total loss. The car was involved in an accident, and was declared totaled, and the insurance paid the car off. However, the account was reported late because the GAP insurance paid it a month after the due date. I have called, disputed online, with no results. Truist informed me that they would initiate a courtesy update removal years ago, however they have not. The company is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a card with XXXX XXXX 's. In the denial letter it deferred to " information used in report '' furnished by TU Consumer Relations. I am asking for the report and what was furnished to XXXX to deny me credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION 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 WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I get direct deposit from my employer every Thursday. I logged in and noticed no funds deposited. I checked multiple times throughout the day and still no funds deposited. Capital One is only posting that they are having technical issues, but not explaining how users can be impacted and how long. Their is no time line for resolution and the problem was not communicated widely until people started complaining. I have no access to my pay and this is day 2.
Product: Bank account or service

I am a Bank of America customers for years. I have personal checking and business checking account with Bank Of America. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Bank of America is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.
Product: Debt collection

i have disputed debt and this company would remove and then put back. or they would add or subtract XXXX every time i dispute
Product: Credit card or prepaid card

Hi, after I closed my credit card, I stopped receiving paper statements. As a result, I accidentally forgot to check when my payment was due until it had already been a couple of days. I was assessed a late fee even though I was never sent a statement.
Product: Mortgage

Initiated a loan with Good Leap to purchase solar panels for my home. Good Leap paid the installer ( XXXX XXXX XXXX ) directly without confirming the work had been completed. XXXX XXXX XXXX has not made the the system work, and are not responding to my calls/emails/text messages. Good Leap should not have paid the installer until I validated the work was done. Now I am paying my electric bill and the loan for a solar system that does not work - the whole thing feels like a scam.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts 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