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

I have been a loyal customer of Capital One for several decades. I have a stellar credit rating and over the years have maintained 2 separate credit card accounts with them : one for the business I own, and another for my personal use. When I went online to pay my bill a week ago, I noticed I had been charged a {$25.00} penalty and a finance charge due to an alleged late payment. I checked my payment records and saw that I had indeed paid my bill on time, so I called customer service to alert them to this error and get these fines reversed. 

The customer service rep I spoke to looked at the record of payment and at first, was unable to understand why the charges had been levied against me. She eventually came to the conclusion that my payment had been made at XXXX XXXX that evening, and there was an XXXX XXXX cutoff. I asked her where this information was displayed online, as this is how I routinely make my payments and I did not recall seeing this stipulation. She admitted that the cutoff time was NOT displayed anywhere on the company website, but insisted that the fines could not be removed nonetheless, due to new company policy. I asked to speak to a supervisor. 

The supervisor was rude both in demeanor, language and temperament, the exact antithesis of how a customer service rep should be. She insisted that in spite of there being no documentation online about the cutoff time, my payment was considered late, and she was not willing to make any allowances for the situation. She said that the cutoff time may or may not be listed on a hard paper copy of the bill. I reminded her that Capital One has hounded their customers to opt out of receiving a paper copy and use the online options instead. As such, it is Capital One 's responsibility to make sure they clearly post such restrictions online next to the due date, so their clients can see it. I took screenshots of the online payment options, and can confirm that nowhere online is a cutoff time mentioned. 

To add insult to injury, Capital One will now continue to penalize me with fines for the next 2 months, as is their custom. This is precisely the kind of shady practice that President Biden has been aiming to eliminate, as per his recent speech about large corporations and banking institutions taking unfair advantage of their clients. I am sure that I am not the only person this is happening to, so in addition to reducing and ultimately eliminating my activity on all my Capital One accounts, I will be getting the word out on social media and local news broadcasts about this fraudulent activity and look into starting a class action suit against Capital One. 

Capital One could easily have avoided the onslaught of negative press simply by showing some respect for their customers, removing these charges as a courtesy, and then making sure they amend their websites to reflect their cutoff policy. Shame on Capital One. Their public rating is already extremely low. No company is too large to fail and hopefully, this one may become the poster child for proving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Equifax used poor IT security policies that resulted in personal information about my XXXX, my wife and me getting leaked to criminals. 

Facts that indicate gross negligence ( and not that they were just a victim of sophisticated criminals ) : - The method that the hackers used was a an issue that was resolved two months prior and was known to the cybersecurity industry : XXXX XXXX XXXX XXXX The company has a culture of incompetence in the cybersecurity department. Using " admin '' as username and password for example : XXXX XXXX XXXX - The Chief Information Security Officer is unqualified for the job with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above facts show that the company is willfully negligent in protecting the personal information of American citizens, and not just that they are victims of hackers. 


Personal Impact to me and my family : Spending hours on the phone with the agencies to set up a fraud alert Spending hours on the phone and mailing documents to set up security freezes Spending many hours over the rest of my life to unfreeze and refreeze accounts every time I need to apply for credit Spending money and time taking steps with the IRS such as early filing to ensure that nobody files taxes using any of our SSNs. 

Spending many hours and hundreds of dollars per year for the rest of my life constantly monitoring reports for identity theft
Product: Credit reporting or other personal consumer reports

Credit Department : Ally Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information on my credit report. I have reviewed my report, and I have found several items that I believe are inaccurate. I am requesting that these items be investigated and corrected or removed from my credit report as soon as possible. 

The items I am disputing are : XXXX. Ally credit card - Account Number : I cant provide an account number because I dont have any information regarding this account. 

Disputing Late payment : XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX From the time I received the credit card with OLLO  XX/XX/XXXX, my payment history was on time every month through XX/XX/XXXX. I had my payment set to automatic. When OLLO was bought by Ally. The automatic payments were stopped, and my account was marked as late. I was unaware of the company being bought since I relocated to Alabama XX/XX/XXXX, I no longer lived at the old address in XXXX. I did not receive any mail from OLLO or Ally. So, this went on for months without my knowledge. I checked my credit report and realized that my account was being marked as late. I received a call and was told that I was late and asked if I wanted to make arrangements. I had just found out what was happening, and I agreed to the arrangement. I still have no information for this account and no card for this account. I have been trying to get the late payment removed from my account. Once the late payment marks are removed and I receive some type of information or a card for this account, I can set up regular monthly payments to bring the balance down. I have no way of doing this until the correct information is provided and the late marks are removed. 


I have attached copies of documents that support my claim, including credit report as well as the lease for my new location to show I was not at the old address to receive any notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b XXXX 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's some incorrect information being reported to my XXXX XXXX credit report agency I am looking to move forward from this and get this information corrected
Product: Mortgage

On XXXX XXXX, XXXX I completed a XXXX XXXX XXXX application with TD Bank ( US ) store # XXXX. I subsequently received notification that the loan amount requested was denied and an alternative amount was offered at a much higher interest rate and much less favorable terms. Upon looking into this matter it was revealed that the appraisal on my property was factually incorrect and that contributed to the issue above. Specifically the appraisal did not include an additional bedroom/bathroom in the home and was also understated in terms of livable square footage. Upon my notifying TD Bank they stated that their policy is not to do a reappraisal unless I could prove the house was 10 % larger than what they valued it at. I conveyed to the bank that this was unfair ( if not against fair lending regulations ) and I requested that this matter be escalated to senior management. After weeks and eventually months of back and forth with the bank, including providing photos, copy of building permit application information ( including square square footage calculations ), copy of town final inspection/live able approval, and other requested documentation I was informed that the bank would not correct the appraisal for an accurate valuation of my property. They reverted back to their subjective policy of putting the burden on me the consumer of demonstrating that the original valuation was understated by 10 % or more in terms of square footage which put me in an impossible circumstance since the original appraisal was within 10 % of the square footage but did not include the correct number of bedrooms/bathrooms and was still understated on the square footage - factors which are a core valuation input and which will make a material difference in the qualified loan amount. I was informed of this final decision on XXXX XXXX, XXXX. I have a current XXXX XXXX XXXX with the bank that is XXXX the amount they counter offered I have a perfect payment history and a credit score that is over XXXX per the TD Bank own credit check and records on me.
Product: Credit reporting

This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A loan from Speedy cash was opened under my name without my permission. I am will provide documentation regarding my identity being stolen to get this removed.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account XXXX : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account
Product: Mortgage

My mortgage company, Leader One Financial Corporation, fraudulently created a " second mortgage carried piggyback '', when they disclosed through paperwork that they were executing a deferment agreement. This stemmed from a XXXX XXXX related forbearance on my mortgage payments over a 3 month period. The outstanding balance was {$6000.00} that needed to be resolved at the end of the forbearance period. I decided on a deferment agreement, that places this balance at the end of my loan to be paid off when I refinance or pay the house off. Several months ago when I went to access the equity in my home by way of a HELOC, I was told I could not be approved ( although I have approx $ XXXX in equity ) because there is a second " lien '' on my home. For the last several months, I have been making phone calls to the Mortgage Company AND the servicing company " XXXX '' to find the paperwork that allowed them to do this, and what can be done to resolve the issue. To say I have got the " run around '' is a massive understatement. The servicing company has only told me that I CAN NOT pay off the " piggyback loan '', but doesn't have any other information. When I contacted the mortgage company directly, I was able to speak with a live person 1 time, who informed me she would request the " paperwork '' from the servicing company and call me back. I never received a call back, even after subsequent calls and messages left on her voicemail. After a lot of back and forth, I obtained an email address for the servicing company and sent them a formal request on XX/XX/XXXX for the " second piggyback mortgage '' paperwork ( there is none, which is the point ), as well as clarification of whom the money is actually owed to, as this was a Covid related forbearance and deferment agreement. 

On XX/XX/XXXX I received two letters in the mail dated XX/XX/XXXX. One letter stated that they received my email request and are " researching it ''. The other letter stated that Leader One is transferring my loan to a different servicing provider on XX/XX/XXXX. Obviously the issue isn't going to be answered OR resolved if they are transferring my loan to a different service provider in 3 days. This is a tactic on leader one 's part to absolve themselves of responsibility for the fraudulent creation of a second mortgage.
Product: Debt collection

I rented an apartment in XXXX and there was apparently a balance owed after I left the premises. I did not hear anything about this {$3200.00} debt until XX/XX/XXXX on my credit report. I tried disputing through XXXX but the results still says the debt started in XX/XX/XXXX, and the dates dont reflect the actual year of tenancy from XXXX. The company has never sent me correspondence informing me of the debt and 6 years later it showed up on my credit report. 
Central Portfolio Control wont provide accurate info to XXXX informing them of debt being from XXXX and my XXXX XXXX has tanked.
Product: Debt collection

I was in an apartment ( XX/XX/XXXX ) that I lived in up until my lease agreement. I gave a 60+ day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for 6 months ( XXXX ) after my lease was up. I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/year> XXXX po box XXXX, XXXX OH XXXX Subject : Cease and Desist Demand Regarding Collection Activities To Whom It May Concern, This letter serves as a formal demand that your company immediately cease and desist all collection activities concerning the alleged debt associated with [ Account XXXX, which you claim I owe. Your actions appear to be in violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any and all permissions to contact me regarding this matter. Any further communication, other than as explicitly permitted by law ( such as providing written notice of termination of collection efforts or intent to pursue legal remedies ), will be considered a violation of federal law and subject to legal action. 

Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. If you are reporting this debt to credit bureaus without proper validation, you may also be in violation of 15 U.S.C. 1681s-2 ( b ), which outlines your responsibilities regarding the reporting and verification of information to consumer reporting agencies.

If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide me with proper validation, including the original creditors information, a breakdown of the alleged amount owed, and evidence that you have the legal right to collect this debt. Failure to do so will be taken as an acknowledgment that no such debt is legally enforceable. 

If you fail to comply with this cease and desist request, I will have no choice but to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I may also seek legal action for damages under 15 U.S.C. 1692k, which allows for statutory damages up to {$1000.00} per violation. 

This letter serves as formal notice of my intent to enforce my rights under federal law. I expect your immediate compliance. Please confirm in writing that you have ceased collection activities and, if applicable, removed any negative reporting from my credit file. 

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( SELF FINANCIAL/LEAD BA XXXX has violated my rights. I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed not to 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: Checking or savings account

Im sick of this process. Ive had to file and re file my disputes over XXXX over the past XXXX  months. I lost XXXX on a XXXX  Scheme which has a very complex set of facts. I submitted my statement of facts that I paid a lawyer XXXX to put together and Citibank dispute department is not equipped to handle the complexity of my situation. This is an outsourced call center with representatives that barely speak XXXX and dont have the skill set in order to fully adjudicate my complex issue. Not once, has an investigator called me to gather more information. Because of this ineptitude, Citibank left my account with a balance and stole a XXXX refund from fanduel that went into my closed account. This is criminal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Conn 's home furnishing refuses to apply a {$400.00} payment to my account from XX/XX/2016. I have called several times, supplied documents, faxed documents and visited the store but they do not acknowledge the receipt of the payment. They received payment by ACH from XXXX. Failure to adequately report payment history according to FCRA.
Product: Debt collection

I have been called by this " Northstar Location Services '' company, stating I owe money. 

They do not mention to whom or how much debt I owe. I get phone calls from them almost every single day, for a few weeks now. 

hey always leave a voicemail, but tell me just that I owe money and identify only that they are " Northstar Location Services '' They call repeatedly and do so during my work day, disrupting my XXXX and causing workday issues. I feel like this is harassment at this point because they just keep calling, even though I send it to voicemail and/or do not answer since it is workday hours. 

I have been phone as early at XXXX by them.
Product: Credit card

I purchased what I thought was an authentic XXXX XXXX handbag from Mercari on XX/XX/year>. The listing indicated the item had been authenticated by a third-party. Upon receiving the item I inspected it to ensure it matched the listing. It did so I accepted the order and funds were released to the seller. Only then is the authenticity certificate sent to me, the buyer. The certificate is of a wallet, not a bag at all. The bag has since been deemed a counterfeit product. The seller must have swapped photos but retained the authenticity marking on the listing. Now Mercari is not standing by this authenticity declaration and stating a return/refund is not possible.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. Please 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
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent hard inquiries on my credit report, which were not authorized by me. I formally request the deletion of the fraudulent hard inquiries from my credit report. The hard inquiries are : 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