23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have a checking account with Comerica Bank for many years. On XXXX XXXX of 2016 I deposited {$4000.00} into my account, the deposit was in the form of XXXX money orders of {$1000.00} each. As usual I received a receipt of {$4000.00} deposited into my account. I monitor my account online at Comerica Online Banking. Comerica Bank online banking indicate that my account after clearing certain payments, my account ended with a positive balance of {$590.00} on XXXX XXXX of 2016. On XXXX XXXX of 2016 Comerica Bank charged a total of {$270.00} of overdraft fees, XXXX times {$25.00} in overdraft fees. On XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} after clearing all payments ; on XXXX XXXX of 2016 my account ended with a positive balance of {$590.00} even after Comerica Bank deducted {$270.00} in overdraft fees. I called Comerica toll free phone number to ask why my account is charged overdraft fees when the account never had a negative balance ; the person answering the phone had no answer and directed to contact the branch where my account was opened ( XXXX, CA ). Next day I went to my branch and contacted the branch assistant manager about the overdraft fees ; she was very understanding but said that only the branch manager make a decision in refunding the fees. I had to leave to open my small business ; I was assured by the assistant manager that she will talk to the branch manager and a refund will be initiated. I waited one week and nothing happened. after a week I went back to the branch and talked directly to the branch manager, I presented him with copy of deposit of {$4000.00} and a printout of my account ledger from Comerica Online Banking indicating that my account had never had a negative balance after all payments cleared on XXXX XXXX of 2016 therefore Comerica Bank should not charge me overdraft fees of XXXX the next day. The branch manager ask me for my cell phone number and that he will research this matter and call me by the next day. I met with him on XXXX XXXX of 2016 as of this writing I never heard from him ; he never called nor he refunded the {$270.00} in overdraft fees. To conclude, I want Comerica Bank to refund into my account {$270.00}.
Product: Credit card

In XXXX XXXX, I was notified by Capital One that there was fraudulent activity on my account. Since that time ( now XXXX XXXX ), I have called twice a week, every week, to inquire to the status of my account. No one seems to be able to assist me and instructs me to inquire at a later time, by file is being handled by a " fraud specialist '', whom is never available and has n't returned a SINGLE phone call since XX/XX/XXXX. On XXXX XXXX, I was notified by a credit report monitoring service that a late payment has been posted ( 60 days late ). Not a single person at Capital One would accept a payment from me while the case was being investigated but meanwhile the interest and payments were accruing. Since XX/XX/XXXX, I 've had to deal with the most inept, incompetent individuals and they have cost me a great credit score, all the while, now telling me that the situation was rectified in XX/XX/XXXX ( however, I just called and was told that was one still being investigated ). They accepted one payment from me on XXXX account, but not another. I want the late payment removed from my account immediately!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX and these accounts listed are a direct result of XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with Equifax,XX/XX/XXXX and XX/XX/XXXX The credo bureaus remove it, however XXXX XXXX XXXX  continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6.  XXXX Thank you for your assistance.
Product: Credit card or prepaid card

On XXXX received a text message from Comenity Bank Fraud Department asking if I would verify a transaction on my XXXX account of {$84.00} for XXXX XXXX . I replied I did not authorize this. They replied in a text message that they would call me to conform my account activity. I missed the call but tried to call back on the phone no. XXXX. I tried calling backbut keep getting a recorded message that they were getting many calls and to stay on the line which could be a XXXX wait. I have tried numerous times trying to get through to talk to a representative. I then checked my credit card account statement online and noticed another charge that I did not make of {$98.00} on my XXXX XXXX XXXX account to XXXX XXXX # XXXX which was made from XXXX which took place on XX/XX/22. I contacted the XXXX XXXX XXXX on XX/XX/22 to notify them that I did not make that purchase. I also contacted my local Police Department ( XXXX XXXX XXXX  XXXX. in XXXX XXXX ) on XX/XX/22 about this matter and filed a police report. According to my online credit card statement Comenity Bank 's system wouldn't be back on until XX/XX/22. On XX/XX/22 I emailed a message to the Fraud Department of Comenity Bank because I couldn't get through on the phone. I received a reply saying " Please accept our apologies for any inconvenience you've experienced. Please call XXXX at your earliest convenience. '' I have tried many times tryng to get through but keep getting the same recorded message and no one answers. Unfortunately I ended up paying my bill. I also put a lock on my credit card. I also asked them to call me back in an email message. I also asked for a paper statement to be mailed to me. As of today no one has called. On XX/XX/22 I sent a letter to them by certified mail about this matter.
Product: Mortgage

I had a mortgage broker do a hard pull on my credit report without my consent! 

XXXX XXXX Senior Mortgage Loan Originator Transaction Coordinator - XXXX Team XXXX Office : XXXX ext XXXX Cell : XXXX NMLS XXXX When confronting her she tried to blame me and then had her file paperwork about incorrect credit pull she claims she did and said 30-90 days. Its been almost 120 and nothing has been done
Product: Checking or savings account

Subject : Fraudulent Activity on Account Due to XXXX XXXX to Respond Description of the Incident : I am writing to report fraudulent activity that occurred on the accounts of Myself XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, I XXXX XXXX was in a XXXX XXXX for approximately 9 months and unable to manage or monitor their financial accounts during that time. 
Dates : XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX 
Fraudulent transactions occurred during the XXXX  period ( XX/XX/XXXX XX/XX/XXXX ). 
Details of Fraud : While I XXXX XXXXXXXX XXXX XXXX XXXX unable to respond or monitor their accounts, unauthorized transactions were made with Capital One, resulting in over {$5000.00} being stolen from the account. 
Proof Provided to Bank : I have already provided the bank with XXXX  records and other documentation to prove that I XXXX was in a XXXX XXXX which made it impossible to respond to or monitor account activity during this period. 
Impact of Banks Response : Despite providing the necessary documentation, Capital One has refused to assist in reversing the fraudulent charges or offering any financial support. As a result of this inaction, XXXX is now homeless and without the funds that were stolen. 
Actions TakXXXX XXXX XXXX XXXX Documentation : Proof of XXXX XXXX provided to Capital One to substantiate that XXXX could not manage their accounts. 
XXXX Request for Assistance : Capital One has not provided sufficient support or assistance in resolving the fraudulent activity or addressing the financial hardship caused by the theft. 
Given these circumstances, I urgently request that the fraudulent charges be reversed and that the bank provide compensation for the stolen funds, as well as assistance in restoring the account to a stable state. I also seek guidance on any further actions I need to take. 
Thank you for your immediate attention to this matter. I hope for a prompt resolution to avoid further harm.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number : XXXX Debt Amount : XXXX Dear Jefferson Capital Systems I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Product: Mortgage

Bankruptcy in 2010 and did not reaffirm. Selective Portfolio Servicing refuses to report my monthly payment to the credit agencies. Obvious that my credit score suffers, as I have never been late or missed a payment in eight-years of owing the property. Is there any mechanism to force reporting?
Product: Bank account or service

Was recently assessed a {$6.00} service charge which I was told was for " paper statements '' I have always elected to receive electronic statements and have never paid a service charge. I asked to have the charge returned to me and was refused. I was told that when the current owner of the bank took over on XXXX XXXX 2016, I had to re enroll to receive electronic statements, which I did. I have never received a paper staement in the mail, despite being charged for it on my XX/XX/2016 statement. I attempted to resolve this over the phone with no luck. I mentioned to their customer service that I would be taking my business to another financial institution. They then said they would have someone from my local branch contact me regarding the issue. More than a week went by without hearing from anyone. I went into my branch today to inquire about it and was told the same thing. " It is not a bank error, there is nothing we can do '' I believe it is in fact a bank error. After not getting a satisfactory resolution, I closed all of my accounts with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witn tne Fair Crealt Reporting act. The List or accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX Loans # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXs # 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 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: Mortgage

They say due date is XX/XX/XXXX. You make a payment XX/XX/XXXX. That payment is not applied properly and they charge you late fees if you do not notice and do not call in time. 

They made PMI cancellation a nightmare and pretended that loan needs aging of one year and then two years LYING on the phone that it can not be done before that. Turns out that it can and they just cancelled PMI.
Product: Money transfer, virtual currency, or money service

I have sended XXXX ( XXXX XXXX ) amount on XX/XX/2019 from XXXX, that amount debited from my account but not deposit to recipient account, i consult the no.of times to XXXX customercare but still pending my issue please help me on my issue.
Product: Credit card

I am not looking for any resolution. This is to primarily inform CFPB that Capital One penalises customers for lodging repeated complaints via the CFPB platform, Capital One closes credit cards if customers lodge too many complaints via CFPB, but of course on paper they don't mention that. I urge CFPB to investigate Capital One 's internal operations. 

In the last couple of months I didn't get required service from Capital One call center operators, not only that they even refused to provide service, accusing me of false allegations over the phone. As a matter of fact I already have an active complaint still pending with CFPB against Capital One. Everytime I have lodged a complaint in the last XXXX months Capital One took sixty days to respond and the response came with just an apology ; Capital One never fixed the problems. I was trying to rebuild my credit scores following my bankruptcy and now they have closed my credit cards damaging my credit report further, just because I lodged numerous complaints against them via the CFPB platform. I urge CFPB to investigate Capital One 's internal operations.
Product: Checking or savings account

On XX/XX/XXXX, a garnishment was placed on my Investor Checking account with Charles Schwab. However, I only became aware of this garnishment on XX/XX/XXXX, when I noticed the deduction from my account. 

I contacted Charles Schwab immediately to request the following information : The source of the garnishment. 
The garnishing entity 's contact details. 
Any reference or case number associated with the garnishment. 
Despite my efforts, Charles Schwab has refused to provide this information, offering no clear explanation for withholding the details. This lack of transparency has left me unable to verify the legitimacy of the garnishment, contact the issuing entity, or take necessary legal or financial action to address the situation. 

To date, I have received no prior notice of this garnishment from either the garnishing entity or Charles Schwab. The bank 's refusal to disclose critical information has caused significant financial and emotional distress, as I am unable to determine the basis of the garnishment or protect my legal rights. 

I respectfully request the Department of Financial Services investigate this matter and take action to compel Charles Schwab to : Provide full disclosure regarding the garnishment, including the source, relevant documentation, and contact information for the issuing entity. 
Ensure that I receive all information required to verify the garnishment 's legitimacy and resolve the issue.
Product: Checking or savings account

On Friday the XXXX of XXXX I went use my ATM card and was unable to do so. I checked my Citibank app is said I had XXXX in account but XXXX available. I called bank and they said I had a hold on my account, and that it was under investigation and they would need me to fax some verification docs about my XXXX and that the investigation would take 24Hrs. I faxed articles of incorporation show when I started business. I called back the fallowing day to find out when founds would be released, and I was told 24 to 48 hrs. they where still investigating. Now its Monday and still nothing and they said I can't talk with the people that are doing the investigation and there's know time limit on when it would be done. Now I have no founds I have over XXXX in pending payment including my rent I'm very worried.
Product: Consumer Loan

Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers. 
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest. 

My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate. 

Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.
Product: Vehicle loan or lease

On XX/XX/2021 - I mailed a cashier 's check issued by XXXX XXXX to CarMax Auto Finance for the early payoff balance of my vehicle : {$10000.00}. 

On XX/XX/2021, I checked the balance online and the account hadn't been updated yet. The cashier 's check was received by CarMax Auto Finance, endorsed ( XX/XX/XXXX ), and deposited into their XXXX XXXX account. 

I've made multiple calls to CarMax and trips to my local XXXX branch, attempting to resolve this issue. The explanations I have been receiving from CarMax have been changing throughout this process. In addition, after each contact iteration, CarMax hasn't provided any status update or new information. In fact, I have been promised multiple times that they would call me back, or email me- which never happened. Perhaps this is the company response when you try to pay off a vehicle early? 

XX/XX/XXXX : Call to CarMax ( XXXX ) Spoke with XXXX : She told me " They received the check. It's just a posing error. You will not be penalized. Your account will be updated shortly and title will be mailed to you ''. 

XX/XX/XXXX : Spoke with ( XXXX ) : She told me " The check was returned as a fraudulent check ''. I asked her for additional information, and she didn't have any. I asked to speak to the finance department. She told me they don't have a phone number or an email address. They only have a fax number and they will not provide any verification of receipt. 

Spoke with manager XXXX : He told me the cashier 's check was returned for fraud. I asked him for additional information. XXXX told me that he didn't have any. I gave him the cashier 's check information ; Date endorsed, XXXX XXXX account number, etc. He insisted this was my issue. I asked him if he could investigate on his end and he refused. 

I faxed the bank information I had to the CarMax Auto Finance fax number. 

On XX/XX/XXXX, I called CarMax and spoke with XXXX. Then spoke with Sr Manager XXXX XXXX. This time I was told my bank put a stop payment on the cashier 's check. I emailed her copies of the endorsed check, bank statement, etc. She guaranteed she would contact me in 2 days on XX/XX/XXXX. I was never contacted. 

XX/XX/XXXX : Called CarMax and spoke with XXXX. There are no new account notes on file. I requested to speak with a manager. I was told none was available. 

I've went to my XXXX branch multiple times throughout this process. The Regional Manager assures me, there are no issues with the cashier 's check.
Product: Student loan

Called to find out repayment options. Income is low and they will not lower my payments. Which means i can not or will not be able to pay amount and could go into default status.
Product: Credit card or prepaid card

I am writing regarding charges XXXX XXXX XXXX XXXX is trying to levy against me. 
Sometime in XX/XX/XXXX or XX/XX/XXXX I opened an account with Capital One. In XX/XX/XXXX or XX/XX/XXXX I got a call from the bank saying they were seeing suspicious charges and wanted to close the account. I said OK, the travel rewards promised were never delivered anyway. In XX/XX/XXXX I purchased 2 tickets from XXXX to XXXX XXXX with my rewards. I elected an electronic purchase, but there was no record of my purchase when I arrived at the airport. I had to pay $ 400-500 for my tickets. 
In XX/XX/XXXX, I received a call reminding me that I had not paid $ 15-16 owed on my account. I quickly called ( on XX/XX/XXXX ) and told them : 1. I no longer had an account and 2. I hadnt made any charges. 
The person I spoke to agreed to reverse the charges since they were not mine. I do not have a recording of the call, but can show I made an approximate 12 minute call to Capital One. 
Since that time I have received repeated requests for late fees. I have written 2 letters to the company ( attached ) explaining again that the charges are not mine. The total requested is now {$62.00}. 
I have 3 credit card accounts that I use for convenience. I pay the charges every month online ; approximately {$3000.00} per month. If I made a $ 15-16 purchase, I would pay it.