23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Applied for Verve mastercardNever received cardCharged {$120.00} annual fee on XX/XX/2015 but never got card or activated it. 
Cardholder services said card mailed out XX/XX/2015, three days after i was charged. 
To me this should be illegal. 
This has happened to many people that i read about online. 
XX/XX/2015 the Consumer Financial Protection Bureau ( CFPB ) ordered Continental Finance Company LLC, a subprime credit card company based in Delaware, to refund an estimated XXXX to approximately XXXX consumers who were charged illegal credit card fees. The agency found that the company 's " fee-harvester '' subprime credit cards misrepresented certain fees and hit consumers with illegal charges. The order also requires the company to pay a civil penalty of {$250000.00}. 
they are still doing this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have persistently been in disputes with Experian, XXXX, and XXXX along with XXXX XXXX XXXX in regards to reporting an invalidated account.Every month since initial contact in XX/XX/XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XX/XX/XXXX with balance of {$3300.00} to XX/XX/XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that XXXX is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.
Product: Credit card or prepaid card

I am a federally protected consumer I contacted Capital One on XX/XX/2021 regarding my account. I specifically told Capital One that by law pursuant to 15 usc 1602 ( j ) they have not balanced out my open ended consumer credit plan. This account is associated with an open ended consumer credit plan as described in 15 U.S.Code 1637. I am aware this account has not been balancing out every month using the funds from the trust account from my principal obligor. I demand my open ended consumer credit plan be corrected and to balance out my account every month to rectify the bank errors caused by mismanagement of payment. Without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. 
I also stated that according to 15usc 1692 the fact that they say I owe anything is misleading. I am the original creditor of this account when I provided my social security number to open this card. I XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor. I also demand a certified copy of the original certificate of indebtedness in order to verify the alleged debt is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will serve as proof Capital One acted without ordinary care, good faith, and has indeed performed illegal activity in evidence to this subject matter. I demand that all late payments be removed and correctly reported on my consumer report 15 U.S.Code 1691 ( a ) ( 3 ), 15 U.S. Code 1681b.

CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT DUE TO ME DISPUTING INNACURACIES GOVERNED MY CONGRESS LAW. CAPITAL ONE GAVE ME XXXX EXPLANATION VIA MAIL WHY MY ACCOUNT WAS CLOSED. THEY ALSO REPORTED THIS INNACURATED/DISPUTED INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION PURSUANT TO 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made a mistake I applied for an XXXX credit card by XXXX XXXX  it was declined it said I had no other credit cards a low credit score etc. in fact I have many credit cards zero balance my credit score is XXXX & my mortgage paid not reflecting when I called Equifax they said they accidentally spelled my first name wrong instead of XXXX they spelled it XXXX I am not sure why they didnt go by my Social Security card they sent XXXX XXXX XXXX XXXX  the other persons information They refuse to correct their mistake and send XXXX  XXXX XXXX  an update they told me they fixed it however XXXX will not allow me to reapply for 30 days and there will be XXXX inquiries not good.
Product: Credit card

My Bank of America Credit Card has had frequent " fraud alerts '' that result in shutting down the cards and re-issuing new cards. This happened XX/XX/XXXX, XX/XX/XXXX, and XXXX. All of these supposed " fraud alerts '' are all round number purchases, {$5.00}, {$500.00}, {$1200.00}, all are adjacent to traveling. I believe that the frequency of these fraud claims is too high to be believable, I do not believe that a real fraudster would randomly choose a round number, tax in a purchase never comes to a round number. There are other instances of fraud alert in the history of my particular account that seem to be quite a high frequency. I have never had this occur before accept in XXXX from XXXX, when they called to alert me of fraud that they supposedly stopped, the next day they called to sell me fraud protection insurance. I cancelled the card. On this occasion, I no longer believe these are actually happening, but are generated from within Bank of America for some internal benefit that I may not be able to fully grasp as an outsider. On this particular occasion, I travelled to XXXX for a continuing education conference, while my and children travelled to XXXX for a beach vacation. We both put in appropriate travel notices respectively to XXXX and XXXX. During our travel, Bank of America claims that an " online donation '' was made to an organization in XXXX, XXXX. I find this very hard believe because, I have never been able to make the online purchase without the printed security code on the back of the card. I am presently hypothesizing that due to risk management reason, Bank of America generated their own false fraud claim because of the algorithm of two people who live in rural XXXX traveling separately to XXXX, XXXX and XXXX at the same time. Despite doing out travel notices this fraud alert occurred again and locked up our account. My wife is stranded in XXXX needing her credit card to check for her flight back to XXXX and I have had to " hit up '' my XXXX XXXX XXXX father for cash to return to XXXX by car. I hypothesize that the risk management policies of Bank of America have left more than one customer high and dry in the obsessive interest to protect their organization. I had the house painted XXXX and did the down payment on my card and the shut off the card due this purchase. It was unbelievable trying to explain to them that it was not a fraudulent purchase. Is it possible for them to self generate a " fraud alert '' to minimize risk to their benefit, but the loss to the consumer. Help me and my stranded wife and kids.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had fallen behind on my mortgage ; before covid hit. This past year I was on a forbearance and applied for mortgage help from Mr. Cooper. They said they could not modify the mortgage because I had been previously modified. Due to covid I couldn't catch up. please help
Product: Mortgage

Loan XXXXSecond complaint regarding SLS, and their inability to properly calculate my monthly payment as agree in a modification to a Heloc XXXX 2015. My monthly payment as agreed for 36 month is {$290.00}. I filed a complaint previously upon receipt of a statement claiming I owed {$580.00} per month with an amout past due of XXXXand some in suspense, for a total of {$1200.00}. Sls reviewed and removed past due amounts, but sent me another statement claiming I owed {$580.00} for the XX/XX/XXXX payment, yet their automated system says I owe {$55.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. CAPITAL ONE Account ( XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : CAPITAL ONE Account ( XXXX ) Documented Inconsistencies : 1. Late Payment Reporting : o Experian : Shows XXXX day late payments o XXXX : Notes " dispute resolved; consumer disagrees '' o XXXX : Reports " Pays account as agreed '' 2. Account Status Discrepancies : o Different closure reasons reported Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 611 of FCRA [ 15 U.S.C. 1681i ] : " In case of dispute, each CRA must conduct a reasonable reinvestigation to determine accuracy. '' Violation : Inconsistent dispute resolution outcomes 4. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer, furnisher must indicate account is disputed. '' Violation : Not all bureaus show dispute indicator 5. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update accurate status across all bureaus 6. CFPB Regulation V, 12 CFR 1022.42 ( a ) : " Furnishers must establish reasonable policies regarding accuracy. '' Violation : Inconsistent reporting of dispute outcomes
Product: Checking or savings account

I deposited 3 US Postal Money Orders on XX/XX/2018. Bank of America onXX/XX/2018 proceeded to place a debit hold on one of those US Postal Money Orders.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

i am requesting that XXXX, equifax, and experian delete the unauthorized inquries and the non-mailable addresses, and inaccurate personal information reporting on my consumer file that is reporting because it is damaging my score and keeping me from getting approve for a home. the following information is against the privacy act of 1974, 15 usc 6802 because i never gave consent for the information to be reported and 15 usc 1681b. 

see attachments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Collection Account ( XXXX XXXX XXXX ) Dear XXXX, I am writing to request the removal of a collection account listed by XXXX XXXX XXXXXXXX from my credit reports with Experian, XXXX, and XXXX. The account in question has been removed from my XXXX credit report, and I am requesting that you take the necessary steps to ensure it is also removed from your records. 

Here are the details of the account : Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XX/XX/XXXX Date Reported to [ Experian/XXXX/XXXX  ] XXXX XX/XX/XXXX XXXX per the Fair Credit Reporting Act, I am entitled to request that incorrect or outdated information be removed from my credit report. Since this account has been removed from my XXXX report, I believe it is appropriate for it to be removed from your reports as well. 

I kindly ask that you investigate this matter and delete the account from my credit file. Please notify me in writing once this action has been taken. I have attached a copy of my XXXX credit report that reflects the deletion of this account for your reference. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

Follow-up on Complaint ID XXXX Dear CFPB, I am writing to follow up on my previously submitted complaint ( Complaint ID : XXXX, submitted on XX/XX/year> ) regarding the debt collection issue I faced with Sharp Collections. 

The new issue I would like to address involves the townships refusal to provide me with a receipt for a payment of {$19.00} that I made directly to them. I have video evidence of this transaction, as well as a police report that documents the payment. Despite this, the township has failed to issue me a receipt for the payment. 

Furthermore, I want to clarify that at no point was a transfer of these funds authorized by me to Sharp Collections. When I spoke to the police officer who visited my home, I made it very clear that the {$19.00} I provided was meant for the township treasury. Any subsequent transfer of funds between the township and Sharp Collectionsaside from the {$4.00} owed for taxeswas done without my consent and bypassed the proper channels for debt collection. 

I request that the CFPB investigate this matter further, as this situation represents unauthorized handling of my payment and a failure to follow proper procedures for debt collection. 

Thank you for your attention to this issue.
Product: Mortgage

This is a complaint against PHH Mortgage for holding money in escrow that was deemed to be used for repair of hail damage to our residence that occurred on XXXX XXXX, 2016. PHH Mortgage is currently holding over {$12000.00} that was sent to us from our insurance company since XXXX 2016 and even though we have contacted them on numerous occasions they still will not release the funds. There excuse is that they needed documentation in order to reconcile the amount that has been paid by the insurance company with the amount that that was estimated by our general contractor. Documentation from both the general contractor and insurance company has been sent to them on more than one occasion and they are still " dragging their feet ''.
Product: Student loan

Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 

2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.
Product: Checking or savings account

Paid on line for services on XXXX XXXX 2023, for {$48.00} which I didn't receive. Disputed the charge with my bank after I couldn't resolve the issue with merchant. Somehow my written dispute got lost and mishandled by BMO, I never received any response, I send it again, they claimed that BMO never received it until XXXX of this year, BMO accepted the my dispute by given a reference number. BMO continued to sit on my dispute until I send my complain letter to CEO +BOARD of Directors. Finally they closed my dispute, merchant can not to be found! Asking me to " go and deal with merchant ''
Product: Money transfers

I applied for a pay day personsal loan XXXX REP XXXX XXXX. ( XXXX ) XXXX I was advised {$230.00} would need to be transferred XXXX I sent the {$230.00} From CVS XXXX. the loan people contacted me and telling me I was all set and funds would be transferred for {$2200.00}. {$2000.00} loan and my intial {$230.00}. XXXX XXXX advised to contact XXXX XXXX bank XXXX to completer the transfer. I called and was advised to send an additonal {$290.00} which was not advised under the terms and conditions with the first rep. So I asked for my refunded amount of {$230.00} and they are not willing to do so as I was advised it was refundable.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a collection posted. The creditor listed was XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, had any type of association with this company, and have never opened any account with them. I filled a dispute with all three credit bureaus, and after they supposedly investigated, they claimed the information was correct and the debt remains on my credit report. The debt balance is {$1300.00}. The collection agency is XXXX XXXX XXXX. Beyond filing disputes with the XXXX credit bureaus, I don't know what else I can do to get a resolution as a victim of consumer fraud.