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

I have a Blue Cash Preferred credit card issued by AMERICAN EXPRESS, which has {$95.00} annual fee. 
XX/XX/XXXX, I requested to downgrade it to Blue Cash Everyday, an annual fee-free card through the online chat. And got the confirmation. ( The conversation is saved in the attached screenshot ). They did not downgrade and did not send me the new card. 

XX/XX/XXXX a {$20.00} annual membership fee was charged. ( saved in the attached screenshot ) XX/XX/XXXX another {$95.00} annual membership fee was charged again! ( also saved in the attached screenshot ). 

XXXX XXXX, XXXX, I called customer service XXXX XXXXXXXX and submitted a complaint about this case, and got a reference Number " XXXX ''. They said they would investigate. When I asked if they could find my chat record with their online agent on XX/XX/XXXX, they replied they could not. Then I asked if I could upload the screenshot I record to them, and they said I could not, and if needed the investigation team will contact me and ask me to wait for 30 days. 

XX/XX/XXXX, I called customer service again without getting any information from them since the last call. I was told they closed my case with the conclusion of no chat was found.
Product: Mortgage

On XXXX/XXXX/16, I submitted an online application to refinance our 1st and 2nd mortgages to reduce our APR and shorten the term of the loan from 30 years to 15 years. When the appraisal came back $ XXXX under estimate, we were presented with a couple of options to proceed. Since continuing 'as is ' would cost us {$270.00} add'l per month, we chose to increase our rate and use the excess funds ( originally intended to payoff the 2nd mtg ) to payoff cc debt and do some needed home improvements, saving $ XXXX in pmts and leaving us with some cash in the bank. I called to inquire about changing the loan details for the payoffs and was told we 'd receive the check anyway, so no changes were necessary. At closing, I confirmed with the notary that the check would be sent to our home address. I called title prior to closing to confirm that the check would be XXXX XXXX to our home address. We did not receive a check because eLend wired it to our XXXX and paid off our 2nd mtg - saving us ZERO in monthly expenses. We are still left with existing cc debt at $ XXXX, the add'l pmt for the XXXX at $ XXXX, outstanding home repairs, and no cash cushion in the bank. Had it been made clear that we would not be receiving the check for $ XXXX, we would not have included this in the refi, and would 've simply refi 'd the 1st mtg only. 
I feel that we were mislead, either by miscommunication or omission, with regard to the final steps of this loan process. Had the closing disclosures specified to whom the payoff would go ( ie : '2nd mortgage ' or XXXX & XXXX XXXX ' ) it would have been an easy correction to make when we signed with the notary and could 've easily rescinded and restructured the loan during the 3-day ROR period.
Product: Credit card or prepaid card

I paid off my Chase credit card balance on XX/XX/XXXX. Shortly after I was charged interest even though my balance was XXXX. I called the bank and the bank removed that charge. 
Today on XX/XX/XXXX, I was charged interest again. The agent of the bank claimed that I was charged because of residual balance for two months after I pay off a balance. They removed that charge again. This makes no sense to me because I have no had any charged from the other credit card that I paid off.
Product: Mortgage

On XX/XX/XXXX, I communicated with my Loan Officer,  XXXX XXXX of Caliber Home Loans. 
We talked about locking the rate for the loan and we both agreed to lock it for 45 days at 4/05 % and I requested a lock rate confirmation from him. 
I did not get any lock confirmation from him so I called him several times and he did not answer the calls. I emailed him again on XX/XX/XXXX asking for my rate lock. He finally answered my phone calls and said he was just busy and he would send the lock confirmation. 
A few days later, I get some disclosure documents from him showing that my rate was locked at 4.05 % but on a 30 day lock. In effect he gambled on my rate and waited more than 2 weeks to lock my loan. 
What XXXX did was dishonest, unethical, irresponsible and dangerous. I think it is also ILLEGAL. A shorter rate lock period is cheaper than a longer rate lock period. If we had locked the lock on XX/XX/XXXX for 30 days I could have gotten 4 % or better. On the other hand with today 's volatility, if he had waited a week or two more, I could have lost the rate we agreed on and we would be talking of a much higher rate I have emailed his bosses but have not received a reply from them. 
This kind of practice should not be tolerated and XXXX XXXX should be held accountable for his actions. 
I would appreciate your prompt action on this matter. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 2 closed credit card accounts with Navy Federal Credit Union that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to Navy Federal Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Self Financial, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Self Financial to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. 

I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable.

Unless Self Financial has a court order or my explicit consent, you do not have permissible purpose to report on my credit. I do not consent to such actions, and I expect compliance with this requirement.

I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Self Financial provides a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly.

I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe.

Done in good faith.
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 XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden XXXX XXXX XXXX was able to respond, but still did not provide a written settlement. I had to file another complaint first. 
With all this time past and XXXX XXXX XXXX falsely filing a lawsuit against me, I had many unexpected costs caused by XXXX XXXX XXXX and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. 
The original amount I had offered XXXX as a pay-off quote {$850.00}, is not available anymore. 
I have been without work since XXXX. No work, no money. 
I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. 
Furthermore the settlement agreement that XXXX XXXX XXXX sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. 
PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. 
Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. 
They should offer a compensation for mistreating people, harassing others and making them sick. 
I should receive money for compensation from them. 
Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... 
Please explain and investigate! 
They called from phone number : XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Bank of America withdrew {$450.00} from my checking account at their institution. The stated withdrawal was for 'recovery for forced closed account '. The account that has presumably been closed is not an account of mine. I can not /could not ever access the account and it is associated with another person. The only common link is that both the accounts are linked to my mother in some way ( she was a co-owner of my account when it was opened in XXXX under my name and XXXX when I was XXXX XXXX XXXX ). 

I have contacted Bank of AmericXXXX and even attempted to escalate the issue via phone call. 

Currently, they are unwilling to reverse/remove the charge from my account and state is is valid because someone owes them money. They also can not provide me information about the other account ( that owes/closed/etc. ) because it is not registered to me ( as one would expect ).
Product: Credit card or prepaid card

Today I was advised by XXXX that Capitalone credit card closed my account. They gave me no notice. Moreover, Im not six payments behind. I ran into issues due unemployment, but paid my bill. I was told it was closed due to returned payments. Its unfair because my payment history reflect that I generally pay my entire balance in full. Its unfair, because today I was actually planning to pay my bill up. Ive been a customer for over one year. I was told nothing could be done. I would have to reapply. I knew people who are six payments behind and they havent closed their account. I feel that I have been retaliated against by my participation in a protective action. I have been unfairly singled out, and targeted. Its strange that now during my litigation of another matter, that my credit card was abruptly closed.
Product: Credit reporting or other personal consumer reports

Experian has inaccurately reported multiple student loan accounts from DepEdXXXX and the U.S. Department of Education on my credit report, failing to meet the Fair Credit Reporting Acts standards ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1681i ( 5 ) ) for maximum possible accuracy and consumer privacy. These errors compromise my creditworthiness and financial security, despite Experians duty to protect my rights, as supported by XXXX XXXX XXXX XXXX. I am requesting an immediate deletion of these accounts and written confirmation upon completion, ensuring my credit report accurately reflects only legitimate information, free from these inaccuracies.
Product: Debt collection

I contacted Spectrum Cable in the beginning of XXXX XXXX in regards to an old outstanding debt I had with XXXX XXXX XXXX, which they now own. The XXXX representative told me that since merging with XXXX they eliminated their collection dispute department and that if I wanted to pay a lesser amount then what they had listed as owed, I needed to contact the collection agency who held my debt, which is Credit Management, out of XXXX, TX. I contacted Credit Management and told them that I would agree to pay the amount owed for past due services which was {$320.00}, but I was unwilling to pay the additional {$420.00} XXXX was looking for lost equipment as I attempted on multiple occasions to return the equipment and the pickup 's I scheduled were ignored and went unfulfilled. The representative at Credit Management stated I would have to put the request in writing and they would send it to XXXX to see if they agree on a lesser amount, which I did. On XXXX, rather then respond to my request to pay a lesser amount, Spectrum contacted Credit Management and withdrew the debt. The collection agency stated that I would need to contact Spectrum to see why the debt was withdrawn after I offered a lesser payment amount, as the debt was withdrawn but listed as " not satisfied '', meaning the amount is still owed. I called Spectrum today, XXXX/XXXX/XXXX, and they stated that they have no idea why the debt was withdrawn and that it will take an additional XXXX business days to get a response as of why. I feel like Spectrum had misinformed me in the beginning process and now that I have offered a lesser amount through the collection agency, is attempting to prolong the process and offer misinformation in the hopes I will give up and pay the full amount the feel is owed. I have stated on numerous occasions that I am trying to pay the debt off to obtain credit financing for a home purchase, and it seems like I am being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to 15 U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.
Product: Checking or savings account

Two weeks ago I paid off my car loan with XXXX  XXXX. I canceled my bill pay and deleted all information. Usaa says that I have to get there approval to cancel any bill pay.usaa paid XXXX  XXXX {$1500.00} with out my permission now Ill have to Waite for 30 to 60 days to receive my money back.

Im wondering how many other payments are being paid out of my account by usaa that I havent approved. If you can please audit my accounts there at usaa. 
I thought it is my money but usaa says its theres to use as they see fit. 
This is tied to this XXXX XXXXXXXX open case XXXX
Product: Checking or savings account

Bank of America on XX/XX/14 answered my complaint and I want to make a petition and denounce the bank of america since my fraud was for XXXX $ and they only gave me a credit for XXXX $ claiming they are out of time, which is something messy lince the cfpb gives them 60 days for a final answer and they have made a bad decision messy and premeditated alevosia, since they only recognized me few transactions of low amounts ignoring the higher transactions so as not to recover my stolen money and the CFPB does not fine and this is a crime for consumers, request the attention of cfpb with this bank that is doing us harm to the Americans by not respecting the American standards I demand that the total lost and stolen from my account of these unauthorized payments be recovered and that this bank authorized by not blocking my card for the unusual use registered I ask the cfpb to help me in this claim and make a complaint to this bank for its irresponsibility when wanting to forward my claim to XXXX since the fraud transactions of these unauthorized payments were in this way and that XXXX reimburses me the total missing in this way the bank of america being the issuing bank of the card involved in this claim has the obligation to respond to any fraud with this card since they are the ones that take control of our money and the payments with our cards being the payments authorized by the holder for an amount of XXXX $ subtracted amount without my authorization of these unauthorized payments in my account XXXX, claim numberXXXX  Bank of America
Product: Checking or savings account

My checking account was compromised at the end of XXXX. I filed a complaint and opened a claim the beginning of XXXX. There should have been two parts to the claim - debit card transactions and a wire out of my account to an individual. When the credit union opened the claim they forgot to do the wire of funds claim. So a month and a half later I called and they did the claim at that point. The amount was XXXX, I was not given a provisional credit so this is XXXX of my money they have been holding from me for almost 3 months now saying its under investigation. The person that wired the money out of my account had his name on the wire. So why am I being punished for them not doing their job right the first go round. XXXX is a lot of money and I need my money back. They shouldnt take 3 months to do this investigation.
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX SPRINGOAKCAP ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : SPRINGOAKCAP Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with SPRINGOAKCAP authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SPRINGOAKCAP provide all supporting documentation, including the original agreement and proof of validation, within XXXX days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the XXXX period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX I contacted Ed Financial to receive a refund for the payments made during pandemic period started in XX/XX/XXXX through today. Total should be roughly {$2800.00}. I was told I would receive notification once its complete. I have yet to receive any correspondence that this is in process, request received, or completed. I called again to ask about timeframes and they informed us there is no information that can be shared and it can take almost 6 months to complete. As I plan to apply for student loan forgiveness, 6 months seems way too long. I would like to file a complaint because I feel completely left in the dark. There is no trace other than my call log that I have requested this refund and no glimmer of expectations received.
Product: Credit reporting or other personal consumer reports

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Over 30 days ago, I mailed off some consumer law letters via certified mail to all three credit bureaus. XXXX, XXXX and Experian. There is only one address that should be showing up. There are inquiries that I didnt authorize that are on there and when I called XXXX , I was told that I had to get an authorization letter from the company AND myself and mail it in and list the inquiries and send both to them. How can I get an authorization letter for an account I dont have and didnt apply for? I also dont want my late payments section showing on my credit report. By law, thats supposed be something thats just between my creditor and myself!