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

Subject : Closing Credit Card Account- With No Prior Warning Company : Capital One Account # : XXXX Sir/Madame : I am responding to a recent letter received by Capital One received on XXXX in the 'Closing ' of above account due to 'inactivity ' ( over 3 years ). As per the stated letter my account has been closed & within 90 days I have to redeem my reward points. Period. Today, Tuesday, XXXX, I called & spoke to Capital One 's Supervisor, XXXX, XXXX. Escalation Dept & requested measures to re-activate above account with activity. As per XXXX, Capital One has made a Final Decision to 'close account ' & does not allow any  option to re-open with continued activity. I stated to XXXX, I Did NOT receive an earlier letter from Capital One stating the inactivity of my account & more importantly did NOT Give the opportunity to reactivate the account. Instead, I simply received ONE Letter stating both position of my account & the position of Capital One in simply closing my account. Period. This prompt action from Capital One : 1- Will Unfairly Reduce my Business Credit Limits/Access for my business which I rely on & more importantly effect my business for future opportunities. 2- Disrupt my credit score by closing my account. ( i.e. As of XXXX XXXX my credit score is over 800 ) This is an 'Unfair Action ' that Capitol One has taken that has taken & should not be allowed without prior notification to rectify OR simply allowing me the option to 'resolve this issue ' within a reasonable time frame. This is wrong & is not an action to take on a responsible/credit worthy client. Thank you advance for your assistance & I will await both your actions & more importantly the response back form Capital One. Very upset, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw in my credit report an inquity of this company and do not know what this is about. They never contacted or informed me about this debt but they have reported it to the credit bereau and this is affecting my credit score.
Product: Mortgage

To Whom It May Concern, I am filing this formal complaint because I feel that Wells Fargo is not honoring their part of the agreement with the government. I have been trying to get a loan modification for over a year and a half. During that time Wells Fargo has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year and now I am making half that. My husband XXXX, so he could not work for many months. We have had to borrow money from family and borrow from our retirement just to make ends meet. I believe that Wells Fargo illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Wells Fargo not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Wells Fargo, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in 2003 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Wells Fargo is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks ' policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I 'm not asking for charity, I just want what is fair and right. From what I understand Wells Fargo took millions from the government, but they are not helping the people that legitimately deserve it. Please help me save my home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Mortgage

I recently contacted you regarding my mortgage company CITIMORTGAGE who foreclosed on my property and took over the title indicating I was behind and made no attempt for resolution. In XX/XX/XXXX ; I lost my job, Cit Mortgage was contacted and I was told to send a Hardship letter after which they would send me a package to apply for a modification. Once I received the paperwork which included a work solution form showing all my debts and responsibilities, as well as income, employment etc. On XX/XX/XXXX, I received a response back from the CFPB giving me CitiMortgage feedback indicating that I applied for a modification in XX/XX/XXXX and it was delivered ; however I was making payments in XX/XX/XXXX XX/XX/XXXX because my request for modification came in XX/XX/XXXX after I lost my job. Once I received CitiMortgage feedback, it was confirmed that they never sent my paperwork for review for modification even thought I continued to send them very personal and sensitive information such as my XXXX, XXXX Paystubs, Bank Statement, etc,. In XX/XX/XXXX I begin to question the representative I was working with in the Homeowner Assistance team ; XXXX as to what and where my paperwork was going because they continued to ask me for the same documents over and over again. I also said to him that I was becoming concerned because several representative have requested the same paperwork yet no answer was given on a modification. As confirmed to this date ; CitiMortgage does not show any record of my modification request requested back in XX/XX/XXXX. On Thursday XX/XX/XXXX I spoke with XXXX XXXX XXXX and sent him an email showing an email I received from the CitiMortgage on XX/XX/XXXX confirming all paperwork was received and foreclosure activity will cease while in review and to allow 30 days ; however XXXX XXXX XXXX : asking for a copy show no evidence of not only that email ; but according to the investigation preformed by CFPB, they have no paperwork I have submitted for the last 4 years. My question is where are all documents I sent them because I certainly have plenty of communications showing they were sent and confirmed as being received several times. The question remains ; did they delete my information from their system? My home has been foreclosed on after my hard work and effort to send the bank everything they requested ; but yet CitiMortgage have no evidence of me sending paperwork for a modification but yet they continued to communicate with me by having me continue sending personal and proprietary information to different homeowner assistance team members. On XX/XX/XXXX I spoke with supervisor XXXX ID XXXX who confirmed my paperwork was never sent to an underwriter so why do they have the right to take my home given they have repeatedly lied and practice dishonesty.
Product: Vehicle loan or lease

Extra principal payments were not applied correctly. Charging daily interest rate based on a 360/360 interest loan. We were told by finance that it was a simple annual loan. Daily interest rate is fluctuating daily even after paying {$200.00} extra every month since we established the loan ( 18 months ) interest should good down since the loan principal goes down, but it does not, it fluctuates daily. We have spoken to driveway finance many times regarding this with NO clear answers. First time XX/XX/XXXX and more recently XX/XX/XXXX.
Product: Credit reporting

EXPERIAN HAS NOT TAKEN BASIC STEPS TO ENSURE THE ACCURACY OF THE INFORMATION BEING REPORTED. Experian has used a 'code ' to identify information as opposed to consumer 's actual personal information or requesting XXXX to supply actual documentation and has therefore caused harm to the consumer for willful negligence and willful noncompliance with FDCPA and FCRA XXXX when the consumer requested a investigation. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute Experian responded with a generic response that did not address specific complaint of consumer to validate information being reported by XXXX XXXX.
Product: Debt collection

I was XXXX contact by this company on XXXX XXXX, 2015. A man left a voicemail on my personal cell phone instructing me to call back regarding a business matter. They also contacted various members of my family that same day within an hour of leaving the voicemail for me. I attempted to return the call XXXX different times that day, only to be placed on hold for upwards of XXXX minutes, before either being transferred to a random voicemail or getting disconnected. 

XXXX days later, I received a " final notice '' letter from their legal department ( dated and postmarked XXXX XXXX, 2015 ), telling me I owe over {$3000.00} - an amount I do n't recognize - and demanding I pay the full balance of my account within XXXX days or the company will commence litigation and that they are presently compiling information regarding any property I own. It goes on to state that I will also have to pay the company an additional 10 % interest! plus court fees! attorney fees and processing fees. The letter states nothing of my right to dispute this debt, only that if I want to avoid further legal action, to contact them and that if I do n't pay them within XXXX days, they will assume I 'm not going to and will sue me. 

I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 

I received another phone call from this company today, XXXX XXXX, 2015, again asking me via voicemail to call regarding a vague " business matter '' and am hearing from the same family members as before that they are being contacted again as well. 

Also of note, the phone number for the most recent call was the same sequence of numbers as before, but appears on my caller ID as if it 's coming from another country ( i.e., XXXX as the country code, rather than XXXX for a XXXX number ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card with WalMart said was not paid but closed. This card I am paying {$100.00} to XXXX for 48 months and it will be paid. I feel this was paid to WalMart by XXXX in full. 
So I am paying the full amount of {$4800.00}. Contact me with your answer.
Product: Debt collection

This complain is to EXPERIAN. I have disputed five times with Experian the collection that XXXX XXXX XXXX XXXX placed in my credit report. Where the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) was violated and validation is requested. I never received any communication from XXXX XXXX XXXX XXXX. EXPERIAN responded that the information was VERIFIED AS ACCURATE. In other words, EXPERIAN is agree that this Act be violated by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Equifax. They sent email that the dispute investigation was complete. I go online, as they suggested to view information and the website would not let me access the dispute. I then call them and they refused to give me the information or mail it to me or tell me how to get the results. I asked them what was wrong with the identifying information I was providing and the person on the phone kept saying " that is not the case ''??? I ask him what that meant, and he kept repeating the phrase " that is not the case '' what case? what do you mean? and the Equifax Representative kept saying that is not the case. I want to get the information of the results of my dispute.
Product: Credit reporting or other personal consumer reports

I keep disputing these bills I have no idea are from especially the ones that are from a hospital in XXXX  when I had moved to XXXX XXXX  6 to 8 months before the date of the hospital bill says I was seen there. I never went back to XXXX until this past XX/XX/XXXX I moved to XXXX  in XXXX so it was not me at a hospital in XXXX  at the time they r saying I was there
Product: Credit reporting or other personal consumer reports

There are few thing 's on credit report that were removed and now show about up XXXX is capital one bank. That was removed by capital one bank. Investigated by the cfbp. And all there credit reporting agencies. The other is the child support. I am asking for a copy of the court order from XX/XX/XXXX th of 2017 yo be provided to me all credit reporting agencies there is no capitalonebankaccountshowingon credit repot..
Product: Debt collection

I am a victim of identity theft and am submitting this complaint to request the removal of fraudulent accounts from my credit report, as mandated by FCRA Section 605b. 
The following fraudulent accounts were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there are still an account that needs to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX and XX/XX/XXXX I paid {$10000.00} to XXXX XXXX owner of XXXX XXXX via PayPal for specific services outline in my contract to run XXXX add but this was never delivered I filed a dispute with PayPal and they denied my claim that this is not covered under buyer protection. This Buyer is a big fraud and was running Ponzi scheme to provide fake services and PayPal is not taking any action to help me out so I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I canceled my subscription with equifax. They continuously keep attempting to charge my card. I also called and spoke to a representative on 3 different occasions and they assured me my subscription was canceled and I would no longer be charged. I used a prepaid debit card for my subscription ( thankfully ) so it's not money on there constantly. I get email notifications all the time saying they attempted to charge my card. I really feel like I'm being harassed by this company. Why won't they just accept my cancelation and stop trying to steal money from me? This company is a complete SCAM!!
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon reviewing my Equifax credit report dated XX/XX/year>, I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report.

Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately.

Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. 

Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

A rule by the Office of the Comptroller of the Currency ( OCC ), the regulator of the nations largest banks, effective last XXXX protects these predatory lending rent-a-bank schemes and overturn centuries of caselaw allowing courts to look beyond ruses to the truth. In Virginia, The measure caps the interest and fees that may be charged under a short-term loan at an annual rate of 36 percent, plus a maintenance fee ; increases the maximum amount of such loans from {$500.00} to {$2500.00} ; and sets the duration of such loans at a minimum of four months, subject to exceptions, and a maximum of 24 months. Short-term loan licensees are required to make a reasonable attempt to verify a borrower 's income and may not collect fees and charges that exceed 50 percent of the original loan amount if such amount is equal to or less than {$1500.00} and 60 percent of the original loan amount if such amount is greater than {$1500.00}. The measure amends the requirements for motor vehicle title loans, including requiring licensed lenders to use a database to determine a prospective borrower 's eligibility for a loan and prohibiting loans to a borrower who has an outstanding short-term loan. The measure sets a 36-percent annual interest rate cap on open-end credit plans and allows a {$50.00} annual participation fee. A violation of these provisions is made a prohibited practice under the Virginia Consumer Protection Act. I would like Netcredit removed from my credit report for violating the Virginia Consumer Protection Act.
Product: Mortgage

On XX/XX/2021 I received electronic notification that my mortgage servicer had made a disbursement from my escrow account for flood insurance. This wasn't in the timeline of previous escrow expenditures. What was disconcerting is the current policy is still in effect today, XX/XX/2021 and expires XX/XX/XXXX. The premium paid included a increase in the premium, which I had not yet received, reviewed or had the opportunity to make changes. On or around XX/XX/XXXX I asked the servicer help desk why the disbursement was made 60 days before expiration of the current policy which I had yet to receive. Rocket Mortgage did not respond immediately and I followed up with a phone call. The " explanation '' was to allow for mail delivery which I think is not acceptable because Rocket Mortgage made the disbursement the same day they received a electronic invoice. By engaging in what is an internal policy they denied me the expected and reasonable opportunity to review and make changes to the policy. Which is what happened post expenditure. The fact that these changes were made and completed PRIOR to XX/XX/XXXX belies the reason for making the early disbursement. XX/XX/2021 I received notice from Rocket Mortgage that they have made my homeowners insurance payment and again there is a premium increase that I need to review and make changes. The payment was again made the same day they received the electronic invoice. The policy expires XX/XX/2021. As a retiree I review any increase in all of my expenses as the common refrain from the organization is.. '' it's only $ amt ''... not understanding across the board increases add up and can and do have financial and economic impact. I was told in a XX/XX/XXXX phone conversation with Rocket Mortgage resolution agent the complaint would be escalated but I'm not confident this will stop the practice. I need to make changes but as of today I have not received my renewal mailed XX/XX/XXXX by the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In their response to my complaint # XXXX Navy Federal Credit Union stated that they removed my name from account # XXXX on XXXX XXXX, XXXX as an additional card holder and notified all XXXX nationwide credit reporting agencies on XXXX XXXX, XXXX, which includes XXXX to update their information to reflect this new information. However, because my credit report from XXXX did not get updated as of XXXX XXXX, XXXX, I called XXXX to find out why and they told me that they have not received any communication from Navy Federal Credit Union. I was told that information by XXXX different persons at XXXX on the same day. My husband also tried to call the contact person from Navy Federal Credit Union mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX, XXXX my husband spoke to a credit card servicing agent at Navy Federal Credit Union to discuss the conflict between what they reported in their response to my complaint and what XXXX  was reporting to me and they stated they would re-submit to XXXX the updated information and notify my husband when that was done. There has been no response from them as yet.
Product: Mortgage

I am behind on my mortgage I wrote to Wells Fargo to ask them to give me a chance to get caught up in return they on XX/XX/XXXX send me foreclosure notice now I have to spend money to save my house and I could of used this to get caught up plus I have to pay them to write the paper up I wrote the letter in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has also received my information illegally and without my consent. I have no contract with them
Product: Debt collection

Received letter for {$480.00}. Original creditor didnt contact me until past statute of limitations for insurance company recoupment per Arizona law. Debt collection is illegal for phantom debt. Additionally they are phoning my office excessively.
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, Account name : # 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.