23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a HELOC with Citizens bank. I was sent a pre approval letter in the mail. It was supposed to a soft inquiry to see if I still qualified so, I agreed. My XXXX XXXX and XXXX supported the offer after the pull. The offer was for me to pull {$100000.00} of the equity from my home. My equity is far greater than this amount and the amount of his loan. I was told all my information was perfect for the completion of the loan so I waited and provided immediately any requested documentation. There was an issue about my deceased husbands promissory note for his mortgage that came up ( the mortgage company and I were already in negotiations ). Citzens underwriting said that I would have to pay off his loan first before I could receive the loan since my information was great for the loan. I paid off his loan expecting to receive the loan. They took long periods of time to respond to my questions on paperwork sent to run out the clock during the whole process. I always provided documents immediately. I waited weeks for responses. They claimed I was denied because they could not verify the funds I used to pay off a third parties debt. I bank with Citizens the money was deposited by the government and I removed it from the bank to a safe. I have receipts of the deposits and withdrawals. I deposit back anytime I need to make a large purchase. I offered to provide an affidavit to verify the funds belong to me. They refused. I am not required to keep money in the bank. I have bad experiences leaving my money in accounts even no money has been taken from my savings account unauthorized that I have to call about. They falsely put on my denial letter the amount requested does not support the loan amount and that I have a negative credit history, non of which applies to me. There are no arrears on this property and payments are current. I gave them the statement. I feel my right to receive this loan using my equity was violated, wrongly denied. They also did a hard inquiry and then did not approve loan. I am requesting the loan be approved.
Product: Checking or savings account

I signed up for a no-fee checking account with Chase in early 2022. I had all incoming monthly income deposited automatically. Last month I realized Chase had been charging me {$25.00} per month for this checking account. The payments were not identified as being from Chase. It is outrageous that ( a ) I have been paying these fees and ( b ) that they were deducted without my permission. Chase stopped deducting the fees when I complained but refunded me only {$25.00}! I need to find out exactly how many times they deducted these fees but they acknowledged it has been going on for a long time.
Product: Credit card or prepaid card

On XXXX XXXX I purchased {$400.00} worth of gift cards from XXXX XXXX company. While recently reviewing my credit card charges, I saw a charge for XXXX XXXX on the same line as the XXXX XXXX charge. When I contacted XXXX XXXX company, there response was that Capital One had made the mistake. 
Ive never flown on XXXX XXXX and do not want them to have my personal information due to the fact that I do not trust the Communists XXXX government. 
I have not received any kind of explanation from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/working assets credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable. 

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was reported on my credit report. As of XXXX the balance is {$470.00}. On XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$610.00}. On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) reported on my credit report with a balance of {$3700.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$830.00}. I have made multiple claims about these incorrect reports.
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 XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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, XXXXXXXX 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: Money transfer, virtual currency, or money service

Hi, Before getting to the specific issues with Zip, heres some background. I purchased a coffee maker using Zip/QuadPay on XXXX on XX/XX/XXXX. My order was never delivered and despite multiple attempts to contact XXXX I received no responses. So, naturally I tried to dispute the transaction with Zip, and thats where the real frustration began. 

First off, Zip, would not let me submit a dispute even though it had been over two weeks of me contacting the merchant ( which is the threshold per their docs ). Each time I reached out to Zip, I got a response asking for more info ( clearly they hadnt read the previous messages ), and that I should just try to reach out to the merchant again. Then they gave me the contact page of another company to reach out to ( XXXX ), which is completely unrelated to this transaction as far as I can tell. That company responded saying they had no clue what I was talking about and that they dont sell any consumer goods. 

After multiple further attempts to get Zip to dispute the transaction, I finally started disputing the individual transactions through my funding instrument ( XXXX ) for Zip. Zip even threatened that I shouldnt file a dispute because it would make my account inactive. This whole process has felt entirely shady and Zip has lost any bit of trust I had in them. Id highly recommend others stay away from Zip/QuadPay.
Product: Mortgage

My mortgage is currently serviced by Mr. Cooper. I have over the life of the loan had my XXXX XXXX checking account information saved for monthly payments. My payment is due on the XXXX of each month with the XXXX, being the late payment cutoff. I made my XXXX payment on XX/XX/XXXX, within the on-time window, as typical with the saved acct. information. I also received the standard XXXX emails. The first was to acknowledge the payment was scheduled and the second stating the payment was received. On XX/XX/XXXX I was sent an email saying the payment was still due. I checked my account and noticed no payment processed so I paid on XX/XX/XXXX. Again, I received the standard XXXX emails. I do not remember if I called on XX/XX/XXXX OR on XXXX XXXX, when this situation occurred for a XXXX time. When I spoke with the agents they told me that the new payment processing vendor had problems transferring account information from previous database, but to not worry that my XX/XX/XXXX payment would go through and no negative reporting would occur. 

Again this happened on XX/XX/XXXX. But on this date the Mr. Cooper rep asked me to re-enter my payment account information and that the payment would go through. This time it did go thorough and my account is shown as current. 

On XXXX I was sent a certified letter stating I was delinquent and at risk for foreclosure. This letter, and the protentional actions stated within, were exactly what I was concerned about happening in the first place and shows me that XXXX XXXX internal depts. are not communicating and seemingly operating independently. 

I am taking the time to write this complaint not because of the stress, frustration, and inconvenience this caused me, but to see some action taken on XXXX XXXX part to communicate better with their customers AND make sure that the internal processes and departments are talking to XXXX another and not threatening penalization. 

I can only XXXX the pains and headache that would have happened if I was on auto pay and away on extended vacation.
Product: Credit card

Comenity Bank for XXXX XXXX. This is the second time this has happened in the past several years. I have had this account for a long time. I use it and then pay it off. My balance is at XXXX. I repeat my balance its at XXXX!!! 

Up to a month later, they will charge a {$2.00} interest fee on a XXXX dollar balance! Then when you don't know you have a {$2.00} balance, they will charge you a {$2.00} late fee for not paying the {$2.00} interest fee. Now you owe {$4.00}. They will charge you another {$6.00} in interest. Then another {$2.00} in late fee. This goes on and on until it affects your credit and therefore your credit score drops. You look to see what causes it and you owe {$14.00}!?! from XXXX months ago when you paid the card off. I go to pay the balance and when I set the payment for the " due date '' it now says I owe {$16.00}. They are scamming people out of money and lowering my credit score!?! This needs to stop! 

When they did this XXXX years ago, they restored my money and fixed my credit but they never restored my credit limit. I had an {$800.00} credit limit and it's now {$150.00}. 

They will say there's an option to pay future interest as well but there isn't. There's a " save on interest if you can not pay in full. '' That's not the same and they know it. It's a way to trick people out of money.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I have been trying to make a wire transfer or access cashier checks. After at least 12 phone calls Capitol One will not allow me to have access to wire the money or order cashiers checks and the also will not send the money vis phone because I am not sending the money to a title company. I am trying to purchase a house for cash in Mexico but the wire transfer is from a XXXXXXXX XXXX to a XXXXXXXX XXXX. They will not tell me when they will release my ability to wire the money. On XX/XX/XXXX I went into default on the contract I signed and they still will not release my funds. They did allow me to make two {$11000.00} ( {$22000.00} total ) before locking me out. So now there is a very good chance I will lose my money because they are holding my money XXXX with no way for me to access it. I needed to make a {$89000.00} payment that they refuse to release for my protection. I will lose {$22000.00} because they are holding my funds for no reason and will not tell me when they will.
Product: Credit card or prepaid card

I received an offer from HSBC with a credit limit of {$2500.00}. I used the card and in the beginning of XX/XX/2017 fell behind a few payments. I was having a hard time making the payments but did make try to make payments but they were not on time. I missed a few payments. They kept calling me and taking money from me but closed my account without my knowledge. I didn't find out till months later. They said that they mailed me a letter. How come they mailed me a letter informing me that they closed my account but can call me a few time a week to collect payment. I never disputed my charges or that I owe the amount. I simply needed to get caught up. I told them to reopen my account and they said unfortunately we can't do that. So I told them then unfortunately I can't pay them. They said it is still my responsibility. I agree that I entered into an agreement with them but don't understand why they can't simply reopen my account. I am will to keep making payments as long as I can use my credit. I think it is extremely unfair for them to do this. I wanted to maintain my credit with them as I have been a very good borrower. I would gladly make payments if I can use my credit card, since this is what it is for. My name is XXXX XXXX Acct number ends in XXXX. I am now 3 months behind and it is with their collections and recovery department. I spoke to manager by the name of XXXX. My number XXXX
Product: Credit reporting or other personal consumer reports

Inc identDescription PrintTh isReport XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX XXXX XXXX with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$1000.00} XXXX  XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This account was paid by my insurance, they keep insisting that I didnt pay. I had XXXX and was given a paper to sign right before I went into XXXX with a XXXX XXXX. This is not ethical or lawful for that matter and consider this fraud!
Product: Student loan

My payments are due on the XXXX  of the month and have been set up to come out automatically. The payment was made but I get a notice about a past due payment and was charged a late fee. They are not handling my payments right at all and have raised my interest rate on the payment without notifying me. I signed in on the website to find this out.
Product: Checking or savings account

I recently opened an account with Wells Fargo on XXXX/XXXX/XXXX. Everything went fine in the branch. I got a phone call Thursday from a rep at Wells Fargo stating they were closing my account for " business '' reasons and would not state why. Someone told me i could have some things reported on my name in XXXX. I have a report being sent to me from them now. I had been a victim of identity theft and have been trying to clean my life up since. This is just making it very difficult for me to open accounts and such. I want to be able to have my account opened with Wells Fargo and they will not provide me with information on what i need to do to correct the issue that is preventing me from having my account there. I would like to know so i can clear it up. I have police reports and everything.
Product: Debt collection

I received an email today from a company I have never had any contact with and they claim I owe money to XXXX XXXX. I have not now or in the past had an account with XXXX XXXX in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left XXXX  because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " TrueAccord '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.
Product: Credit card or prepaid card

I applied for a credit card with Capital One that I was pre-approved for. I've had a long term banking relationship with Capital One since I have an Auto Loan with them for over 4 years. Yet when I applied for a Capital One XXXX Card I applied for, I was discriminated against by them. After being targeted as I've felt was denied because they were unable to somehow verify my address even though I have an already existing auto loan with the company. After countless times of sending them my California ID and Utility Bills with my address on it they couldn't discriminatorily it felt verify my information. 

They are okay with my paying for a high interest auto loan, but someone not okay with giving me a pre-approved credit card due to the fact they weren't unable to verify my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I rented a car using my XXXX card. when I returned the card I paid with my US Bank card. 
I was then charged with a fee from my XXXX card for 1 day and a fee from my US Bank for XXXX. I reported the issue to US Bank. They returned the amount in 15 days. US Bank later reversed the charge and charged me XXXX again. They said they mailed a letter requesting addtional documents that I never received. Its been 15 days and Im still waiting to have the fee reversed from US Bank. I called and they said they have all my documents however nothing has been done.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

I recently got some papers mailed to my house from Transworld Systems Inc saying I owe a debt to them of {$1000.00}. 


I dont know this company never done business with this company this company doesnt have any contract with my written signature.
Product: Debt collection

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.