23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 to 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 AND 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 card or prepaid card

I contacted my company way2go issued by the state of Tennessee for my child support payments only even after we have my direct deposit information listed in the divorce papers my state does child support with this company., that supplies my child support card and told them my card was destroyed by my XXXX XXXX XXXX and I needed a replacement and after me explaining what happened that my XXXX XXXX XXXX son got a hold of my card and put it thru our at home shredder I was told there would be a XXXX fee and I told the rep I didn't have that money until my payment was applied for child support and I asked if it could be waived and he placed me on hold and he came back and said no so I told him if I didn't have fraudulent activity happen on my card I would have the XXXX and he asked about the whole situation and finally determined that it was fraud and needed to suspend my account I said that's all fine and good but how do I fet a replacement card he said he would send me out a replacement when the funds was available on my account to pay the fee. Ok so now I don't have my child support card to get my non food items and pay my bills and now my bills will be late and I have to wait on diapers and laundry stuff and whatever else my household needs all because I have to wait until the fee is paid. I also can't work due to my health and can't get XXXX. So one little XXXX fee will cost me a lot more than they care about. They should take consideration on all this and waive this fee for a one time.
Product: Checking or savings account

Branch XXXX XXXX  XXXX has illegally frozen a business entity of mine bank account of mine ACCNT # XXXX. Money is being held without my consent and being leveraged to pay for a personal debt. I've gone into the brand to handle this and they are claiming a personal account is negative and I need to pay the balance for the personal debt and can not have the money from a business account. It's illegal to hijack my business account which is a completely separate entity. You can not freeze my business account and its assets bc of a negative balance in a personal account. My entire livelihood is in jeopardy and I can not pay for any bills or survive. If the bank wants money from me personally they may file a civil suite or place in collections. They can not do so against a completely different entity. Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. 

They have blocked me from seeing any transactions or even accessing my accounts or viewing anything because of a personal debt. 

I'm filing a lawsuit and filing with the FBI for bank fraud on this XXXX if the business account is not released. Any civil matter with me personally may be handled separately
Product: Credit card

I applied for the Capital One Venture X business card in XX/XX/2023. They closed my account without providing any reason in XX/XX/2023. They also refused to refund any of the {$390.00} annual fee, citing that it is non-refundable even they closed my account. 

I also have a credit balance of {$1700.00} on the account. They refused to provide a refund check for it. According to their representative, it can only be done automatically by the system and there is no expected time frame for it. 

I hereby request Capital One to refund me the annual fee and my credit balance in full, for the total of {$2100.00}.
Product: Credit card

During the winter / spring of XXXX, I began receiving calls from Comenity Bank regarding the collection of money. I dismissed the call as a scam and ignored the subsequent calls for months and even blocked the number on my phone as I was receiving calls daily and multiple times a day. In the fall XXXX, my wife told me she received a phone call from Comenity Bank as they were asking for me ; she told me it XXXX be real and that the bank was, in fact, owned money by XXXX XXXX XXXX. She advised I look into it. I did call the Federal Trade Commission XXXX and reported identify theft. I also called the credit bureaus and reported to them about the incident as to not affect my credit rating. I also called Comenity Bank and filed a fraud report with them regarding identify theft. I mistakenly failed to file a police report at that time. The calls stopped and I didn't hear much more about the incident and thought if was resolved. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX and was summoned to court in XXXX XXXX on XX/XX/XXXX. This issue has not been resolved.
Product: Checking or savings account

XX/XX/XXXX Opened account XX/XX/XXXX Received email that offer code to receive bonus was applied to account successfully XX/XX/XXXX Met requirement to receive bonus XX/XX/XXXX Called XXXX on a recorded line to find out when I would receive bonus and was told to take offer code to be verified at branch XX/XX/XXXX Visited branch in person with offer code and emails as proof that I am eligible to receive bonus and that I met the requirement to receive the bonus and branch teller submitted support ticket to a their retention and accounting department and I was told that I would receive the bonus within XXXX business days because the branch teller verified my account information XX/XX/XXXX I called the branch location that I visited on XX/XX/XXXX and spoke with the same branch teller that submitted the support ticket XX/XX/XXXX I received a phone call from PNC Retail Support Department stating that I did not meet the requirement and that I would not receive the bonus
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

As of summer of XXXX, 21st Mortgage representatives began to verbally harass my wife and myself. They are very rude and disconcerning over the phone. I gave them specific instructions not to speak with my wife ever if they could not hold a civil conversation with her concerning our mortgage. After that, the mortgage company started to call me three times a day. Everyday. On XX/XX/XXXX, I was being verbally abused and bullied over the phone by not one but two representatives. Verbatim, one of those reps said '' I was unappreciative of the XXXX XXXX dollars they gave me for the mortgage! ". 
The abusive nature of this company has got to stop. We are not the only consumers going through this with this particular mortgage company.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to 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. 

This company 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, credit repair services, or other personal consumer reports

My information was involved in the XXXX  data breach. Please see to it that the credit reporting agencies remove the accounts.
Product: Mortgage

On Friday, XX/XX/2023 UBS Bank USA drafted a duplicate mortgage payment in the amount of {$4600.00} from my checking account at XXXX without authorization to do so. This error occurred during a servicing transfer from XXXX XXXX XXXX XXXX  XXXX XXXX. In accordance with the terms outlined in the notice provided during the servicing transfer, XXXX XXXX drafted a payment from my account on XX/XX/2023 to maintain my current AutoPay plan. 

I contacted UBS Bank immediately on Friday, XX/XX/XXXX to report the error. They indicated there was nothing they could do to help and suggested I reach out to XXXX  or attempt a stop payment with XXXX. When I contacted XXXX, they explained that they had processed the payment in accordance with the payment plan and that UBS had made the mistake- they should not have drafted another payment on XX/XX/XXXX. At no time did UBS have permission to debit the account on that date. XXXX shared that servicing responsibilities had been transferred to UBS and they were unable to help. 

I attempted the stop payment at XXXX with a great deal of caution from the bank because they said it may impact all future payments from being drafted. Unfortunately, the payment had already been posted to the account and therefore a stop payment was not successful. 

I contacted UBS again on XX/XX/XXXX to request that that duplicate payment be returned to me via wire transfer as they had indicated they could do once the payment posted. I was told that I would receive a call back from an escalation department representative but did not receive a call. When I attempted to reach UBS again I received a closed message. 

When I contacted UBS again on the morning of XX/XX/XXXX, I disclosed on a recorded line that if they were not able to resolve the issue with funds credited back to my account by end of business today that I would be filing a complaint with the CFPB. I was transferred to an executive resolution team where the individual I spoke with attempted to reach the first person I spoke with. He informed me that person was in meetings and would be unavailable to contact me for 24 hours. I requested to speak with someone else or manager, he stated he could not do anything further. I again asked for a manager and he submitted a call-back request. I never received a call-back from a manager. 

Later in the day, I did receive a call back from the person I spoke with on Friday who was going to help get the wire submitted. I was authenticate and provided account information to process the wire and believed the credit would be sent to my account today. I later received a call from another person claiming to be from UBS but the caller ID did not match the other callers and the individual was insistent that I provide the last 4 digits of my SSN. I asked to authenticate using other options and he refused to help me. He stated he was closing his case and that I could call back. 

I attempted to reach UBS again after this call and waited on hold before I no longer had time to wait. No credit has been applied to my account and a manager at UBS has not contacted me to address this issue and make things right.
Product: Debt collection

On XXXX I received a notification from ERC, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from XXXX XXXX regarding an account that was opened as a result of identity theft. ERC further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.
Product: Payday loan, title loan, or personal loan

I initially disputed this item in XX/XX/XXXX to have it verified and validated. I received notice that the debt was verified but did not receive proper documentation in accordance with both my request and according to the FDCPA, FCPA, along with the corresponding local state laws in which I have and do reside in. I was also advised that the account would be listed as disputed in their updates to the credit reporting agencies. However, as required by the FDCPA Section 807 ( 8 ) this was not done. I was to find out that this has not been done as far out as even my XX/XX/XXXX reporting period. I made a 2nd attempt sending a letter in XX/XX/XXXX, to request proper validation only to receive the same incorrect documentation which still is in violation of the aforementioned regulations. On the XX/XX/XXXX, I sent a final goodwill letter to request that the company place the " notice of dispute '' on my account within the period required by law, which again was and has not been done even though I received the same form letter stating that it would be. Lastly, after searching the Secretary of State 's Debt Collector 's Database and finding no information, I submitted a request to the company to produce proof of a valid debt, as well as advising them of the " notice of dispute '' issue, and also requesting that they produce confirmation that they were legally bonded to collect debts in my state. This letter was sent out on the XX/XX/XXXX and signed for on the XXXX of the same month. To date, I have not received any proof that this company was or is in possession of a Surety Bond for my state and the last letter I have received from them was on the XX/XX/XXXX which was another form letter exactly the same as all the rest but still not in compliance with the applicable laws.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union in regards to multiple overdraft fees I have incurred. Despite having sufficient funds available when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I am requesting an investigation into my account transactions.
Product: Credit card

I have the Capital One One Spark Credit Card, and this card does not give me a traditional credit limit, instead it says very plainly " there is no preset spending limit '', however, once I spent {$10000.00} on it, I was unable to spend any more money on it, upon calling and speaking with Capital One customer support today, XXXX, XXXX : XXXX. They are telling me that there is in fact, a secret preset spending limit that they are not advertising. This was never made available to me, the consumer, that there was in fact a preset spending limit, despite being told specifically that 'there is no limit '. 

I want this language stricken from this, its extremely misleading.
Product: Checking or savings account

I filed a complaint with the CFPB against Bank of America ( complaint id : XXXX ) regarding an unpaid account opening promotion. The resolution to that complaint stated " ... in the absence of any proof that these were the recurring direct deposits of a paycheck, we respectfully declined to provide reimbursement of any amount. He said that he understood this, and wanted to submit proof that XXXX was his employer at the time ; he was provided with the fax number XXXX for this purpose, and was informed that no further dispute could be made until the documents were received. He was satisfied with this outcome and had no further questions or concerns. '' I want to clarify that I was satisfied that I finally received an answer as to why I did not receive the bonus, and finally had something that was actionable. In retrospect, I am surprised that Bank of America believed that the resolution to the complaint was to give me the information, but did not seemed interested in receiving the proof that I did in fact meet the requirement. The Bank of America employee that spoke to me on the phone provided me a fax number that said went directly to him, and that if I sent him proof of employment at XXXX, he would respond within 1-2 days. I  submitted paystubs for the relevant time period on XX/XX/2019, which was the same day I spoke with the Bank of America employee. I have attached the fax that I sent to the Bank of America Employee ( " Bank of America Complaint '' ). Page six is the " transmission verification report, '' which is the confirmation that the fax was sent. I was told by an XXXX employee that the " OK '' next to the " Result '' indicated a successful send. 

I am submitting a second complaint because I did as the employee instructed, and I have been ignored a 3rd time. Bank of America has only seriously responded to me when I submit a complaint via the CFPB. Bank of America 's complaint response system has failed me. In my case, I believe the promotion has been a deceptive practice under UDAAP. They hooked me with a promotion, and had no infrastructure to follow through with their promise to me. I have been persistent with them, and I wouldn't be surprised if there are other, less persistent consumers that have given up on getting their bonus due to Bank of America 's failure to quickly and effectively resolve their concerns and complaints. 

I have also attached the original complaint " Complaint Detail '', the original promotional offer " XXXX - An exclusive {$300.00} bonus offer ... '', the statement demonstrating the direct-deposit requirement met " XXXX statement ''.
Product: Mortgage

EASTER BANK IN MASSACHUSETTS increased my mortgage even if I pay my own homeowners insurance.Tax did not go up and they created involuntary savings account to gain extra funds they can loan further.There is excess of {$850.00} on our escrow unused. 
We contacted them multiple times but no response. 
We asked for a refund. 
XXXX XXXX Loan XXXX XXXX
Product: Debt collection

Ive explained that I have been out of the country for 10 years to XXXX FL XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.