23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name XXXX XXXX XXXX XXXXXXXX, account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card

Subject : Request for Reinstatement of Credit Card Account I kindly ask for your understanding in considering my request for reinstatement of my account. I deeply value my relationship with XXXX XXXX XXXX, and I assure you that I will be more mindful of such matters moving forward. I am committed to maintaining my account responsibly and ensuring all future actions comply with your policies.
Product: Debt collection

Debt Recovery Solutions, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX I am sending the letter in response to a letter you sent me on XX/XX/year>. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 

Please Provide me with the following information : 1. State what the money you say I owe is for.

2. How did you come to determine that amount 3. Provide copies of agreement bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statue of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect must stop. 

Thank you, XXXX XXXX
Product: Debt collection

My mother XXXX XXXX in 2015. Prior to her XXXX she added me as a joint signer on her bank account, I was not aware of this. She had a line of credit with First Citizens Bank and when she XXXX  they said because I was added to her acct that I am responsible for the debt.
Product: Credit card

On XX/XX/XXXX, the Bureau filed a lawsuit against Capital One, N.A., a national bank with over {$480.00} XXXX in assets, and its parent holding company, Capital One Financial Corp. ( collectively, Capital One ). Defendants are incorporated in Delaware and headquartered in Virginia. The Bureau alleges that from 2013 to 2019, Capital One represented to consumers that its 360 Savings account was a high interest account with a variable rate that was one of the nations top, best, and highest, and would earn much more interest than the average savings or money market account. The Bureau alleges that these representations were false or otherwise misleading and that from XX/XX/XXXX to at least XX/XX/XXXX, Capital One has kept the 360 Savings interest rate fixed at 0.30 %, a rate that falls far short of the level represented in its marketing. The Bureau further alleges that Capital One made representations that created the net impression that its 360 Savings product was and would be its only 360 high interest savings product with the features, terms, and conditions of 360 Savings, but in XXXX, Capital One stopped offering 360 Savings accounts to new customers and started offering a new high-interest savings product called 360 Performance Savings. This new product had all the same terms and conditions as 360 Savings accounts, and Capital One likewise marketed it as having one of the nations top savings rates. But in contrast to the 360 Savings rate, Capital One has kept the 360 Performance Savings rate at a consistently high level. In XX/XX/XXXX, the 360 Performance Savings rate was more than 14 times higher than the 360 Savings rate. Capital One did not convert 360 Savings accounts into 360 Performance Savings accounts and instead took steps to obscure from 360 Savings accountholders the fact that these were different products. The Bureau alleges that by misrepresenting the interest rate for the 360 Savings product, Capital One violated the Consumer Financial Protection Act of XXXX ( CFPA ) prohibition on deceptive acts and practices ; and Capital One, N.A. violated the Truth in Savings Act and Regulation DD. The Bureau also alleges that Capital One violated the CFPAs prohibition on deceptive acts and practices by misrepresenting that 360 Savings was and would be its only high-interest savings product and the CFPAs prohibition on abusive acts and practices by taking unreasonable advantage of 360 Savings account holders lack of understanding of the material risks and costs of the 360 Savings product. The Bureau seeks, among other things, injunctive relief to prevent future violations and monetary relief in the form of redress to consumers and the imposition of civil money penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}
Product: Credit card or prepaid card

on XX/XX/2022 my credit card was charged 4 fraudulent charges : 1 XXXX XXXX  for - {$57.00} 2 XXXX XXXX - {$20.00} 3 XXXX XXXX for {$20.00} 4 XXXX charge for {$500.00} I reported it immediately to my Wells Fargo credit card and they investigated and decided that all the charges were fraudulent except the XXXX one. After many attempts of requesting information on their investigation to see how they came up with the conclusion that all the smaller charges were fraud and the large one was not. I have requested documents of their investigation and they refuse to provide it but yet expect me to just pay for it. It is absolutely frustrating, but then again its Wells Fargo and they feel thay can just get away with anything.
Product: Checking or savings account

In the beginning of XXXX, I closed my savings account with about {$4000.00} still in the account. When I tried to get the funds back, Chase bank stated that they were having trouble releasing the funds to me as the account was already closed. I escalated this issue multiple times and I had gotten some excuse saying that XXXX was making it difficult. I understood and gave it some time. They also stated they would reimburse my balance plus more, making it {$5000.00}. It is now XXXX, and, after multiple promises to release the funds to me, I still do not have it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety.

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 
The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX ( IDEAL XXXX ) inaccurately and negligently reports an auto loan account as closed on XX/XX/year>, with a reaffirmation of debt status. My official Minnesota vehicle title and loan documentation confirm the vehicle was actually acquired on XX/XX/year>, with XXXX XXXX XXXX as the lienholder. The reported reaffirmation status is entirely incorrect, unfounded, and has negatively impacted my credit profile. 

I have already attempted to resolve this directly with XXXX XXXX XXXX, to no avail. The inconsistent reporting constitutes reckless negligence under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), mandating accurate information on consumer credit reports. 

Supporting Documentation Attached : Minnesota XXXX of XXXX clearly showing the XX/XX/year> acquisition date. 
Credit reporting screenshots showing the erroneous closure date and reaffirmation remark. 
Documentation confirming loan payoff and zero balance.

Resolution Requested : Immediate and permanent removal of this inaccurately reported account from all credit reporting agencies. 

Thank you for your prompt attention to this matter.
Product: Mortgage

On XXXX XXXX, 2017 I fell behind on my mortgage payments in the amount of XXXX XXXX because of an increase in my monthly HOA dues and a temporary reduction in my household income. On XX/XX/XXXX, I submitted an application to my lender, Sun Trust Bank requesting options that might be available to help assist me with bringing my loan current. I asked the bank if they could temporarily give me time to pay my monthly payments and if they were willing to forebear some of delinquent amount until I am able to bring my account current. In the interim, the bank continues to charge me late fees and other assessments thus making it harder for me to catch up. It is has now, XX/XX/XXXX, nearly 90 days and the bank has n't offered an alternative resolution or any assistance. Instead, I have been getting the runaround from its Home Preservation Department ; they are ones responsible for expediting my paperwork. They constantly make threatening and harassing phone calls and keep telling me documents are missing from my file and it is incomplete. I continually keep submitting and resubmitting the same documents over and over. It is becoming a never-ending paper chase. When I ask to speak to a supervisor I am told I have to wait 24 hours for someone to call me back. I have n't been able to reach a supervisor and one has not returned my calls. I would like for someone from the bank to explain why my paperwork keeps getting lost and why my documents are not being uploaded and put into my file for review. On XX/XX/XXXX, I spoke to a representative, which I will refer to as badge number XXXX. I have attached the following documents that the bank claim they are in need of along with my complaint. I 've also sent a copy of these documents to the Home Save and Debt Counseling Specialist with which I am working with at XXXX.
Product: Mortgage

I received a letter from the Internal Revenue Service regarding a settlement of {$16000.00} from  Wells Fargo , NA on  XXXX     2014. Th is should have been reported on m y 2014 t axes.     I have not been able to contact   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   by phone or email. I did forward an email to the Department if Justice last week since they did oversee  XXXX    XXXX   activities.
Product: Vehicle loan or lease

Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? 


If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. 
I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. Reference case XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page 71 U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, XXXX said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( 1956 ). 


I have discharged this with your company I have proof from the IRS my next step Ill be request an audit on behalf of your company. you're fraud the people you have charge off the debt and still acting as if the debt is still valid! once you charge off a debt is becomes taxable income for the so called debter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times about the issue that I have with an account that they are reporting on my credit report. I have been trying to resolve the issue for the last few months. The account had been blocked from my report then later added back. Since then I have submitted letters to Transunion showing the Fair Credit Reporting Act 609 ( a ) stating that all accounts must be verified by federal law showing that all accounts must be verified by physical verification by the original signed consumer contract. As of this point the account has not been verified but remains on my report.
Product: Credit card or prepaid card

On XX/XX/XXXX I initiated a credit card-Visa dispute with Bank of America ( Case # XXXX ) regarding a lawyer overcharging billable hours. I waited a week or so with no word from BofA regarding the dispute. When I called and reached a Dispute Resolution CSR, she informed me that any messages regarding this dispute went to my husband, XXXX XXXX, because he opened the account, even though it was charged to my credit card, with my name in the billing info. I opened the online account, I put it in my name, because I take care of our banking, so my husband 's name is not on the online account. She told me I would have to open an account for him. When we tried to do so, we found we could not, and we could not get help from BofA doing this, it was mission impossible. So, any messages regarding this dispute were addressed to my spouse, who's name was not on the online account. On XX/XX/XXXX I received a letter from Bank of America informing me that I had until XX/XX/XXXX to submit documentation on this matter, to an address in XXXX XXXX, Texas. I was not given but a few days to respond. I sent my documentation on XX/XX/XXXX, Monday. I received a letter from Bank of America on XX/XX/XXXX informing me that they had not received any documentation and they were closing this dispute. I was not treated fairly. I have been given the runaround like this from another credit card, I am familiar with the pattern, and what they do. They don't send documentation until the last minute, and then claim that I sent the info too late, or they didn't receive it. So, in essence, A lawyer price-gouged me. I disputed it. Bank of America REFUSED to do its job, which was honor a system in place to assist their customers with unethical business practices. The bank piled on with more unethical business practices. My claim was denied, because Bank of America claims they never received follow up correspondence from me. My letter was not returned, I believe they did receive my documentation. We have done business with them since XXXX, and after 48 years of loyalty, this is how we're treated. We took out a home equity loan, and mortgaged a house through them, have four accounts, including this Visa card, and this is how they show their appreciation to us, by piling on with unethical business practices, a lousy runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keep adding late fees to me credit report balance increased I dispute so many times.XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX.
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 : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 an 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX obtained a 0 % - 60 month ( 5 year ) loan from Synchrony Bank for a sewing machine - equal monthly installments - balance due XX/XX/XXXX. 
XX/XX/XXXX Minimum interest charge purchases {$2.00} - no purchase made XX/XX/XXXX - Late fee charge {$41.00} ( payment due on XX/XX/XXXX - payment posted XX/XX/XXXX ), plus {$2.00} Minimum interest charge purchases of which no purchase was made. 
XX/XX/XXXX - Minimum interest charge purchase of {$2.00}, of which no purchase was made. 
In XXXX of XXXX, Synchrony Bank started charging {$1.00} for paper statements. However, they consider this a purchase and are adding an additional charge of {$2.00} as a minimum purchase. The paper statement is not a purchase, we just did not opt to do statements and payments online. This is a double charge for paper statements. 
Synchrony Bank charged an erroneous late fee on XX/XX/XXXX of {$41.00}, when payment was posted and received before the due date. 
Consumers need to be aware of erroneous charges by banks for double charges - distinguish between a service and a purchase. 
A letter has been sent to Synchrony Bank for resolution, no answer as of yet.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, my daughter took out what we both thought was a small payday loan for {$500.00}. We agreed to the repayment of a {$800.00} with this expectation of the loan repayment of the {$300.00} in accrual. To date we are still repaying this loan having paid it back 3 times over and it is now XX/XX/XXXX. XXXX XXXX states that there is still a total amount due of over {$500.00} and the unbeknownst to either of us only 5 % goes toward the outstanding principal with a current interest of over {$6.00}. XXXX XXXX is deducting payments for said payday loan biweekly and the closer we get to paying off this loan the less money they deduct in order to continue making money off of us. We can not get rid of this loan!. My daughter is a struggling young single mother of XXXX who works hard, is in school and does not make a lot of money. At this time she is in financial dyer straights and can no longer continue to pay XXXX XXXX on this ridiculous loan. She has been compliant in paying XXXX XXXX back and on time. We would like this to stop! The amounts they deduct from her checking account are never in a set amount as they spike up and down. It is almost as though they just choose a number of dollars and take it from her in repayment. She appreciated the help and has been very grateful, respectful and kind. I as a mother want them to stop taking advantage of my child. Please help her/us, and I say us because when she hurts, I hurt for her and I too help her keep these people off her and I do not make a great deal of money myself. It's a shame that when you are an honest person you have those that manipulate on those that need it. Yes we knew we would have high interest but not one that would continue to keep her bonded financially