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

Over one year ago on XX/XX/2019 I purchased a flight from a travel agency for a very specific flight from XXXX, AZ to XXXX, XXXX. Upon receiving my flight I looked in the terms and conditions of XXXX.XXXX  which explicitly states I am not obligated to purchase flights not agreed upon. Well 16 hours later I got a flight confirmation for a ticketed flight not agreed and paid for. I filed a dispute with Citi Bank as they were the ones I purchased the flight with. I also called the travel agency and was rest assured since I called 24 hours before hand that I was eligible for a refund after completing a form and receiving future email correspondence. Well that never happened, I never received my and proceeded with my credit dispute. The charge was reversed and Citi found me of no wrongdoing for 6 months. Then in XXXX, even after Citi finding me of no wrongdoing, reversed the charge, a {$1000.00} charge and blamed me for the transaction. Their reasoning was " they couldn't get the travel agencies bank to comply with the reversal ''. So now, 30 days before losing my job from Covid, Citi refused to help me. They wouldn't even defer late fees or interest because the charge happened before Covid became a pandemic. So now its XXXX, Citi is ready to settle and we settle for basically the amount due minus the late fees, interest, and payments already made upon a very clear condition ; I tell them I want the late fees reversed or the account deleted from my credit. The settlement manager from Citi agrees. But now I'm finding out their reporting my account as 'settled for less than amount due ' which made my credit even worse. I've asked them to review the recorded phone call multiple times, I even have a copy of the settlement phone call I made myself. Every dispute I've made with the credit bureaus I get a letter from Citi stating they can not find the account nor the information requested from the credit bureaus even though I can find this information in less than 5 minutes on my account, including a letter from Citi that explicitly states the account is to be deleted. Citi is ruining my credit, they are making it impossible to move on with my life and purchase a home or obtain an auto loan. For what? I've paid them what they asked and they can't nor have ever decided to help me. I'm sick of this
Product: Checking or savings account

We were victims of check fraud. A criminal ring in XXXX Texas somehow accessed our checking information and forged our checks. They started writing checks with forged signatures on our account. The checks did not follow our standard check use pattern, the signatures are clearly forged and more importantly the checks had duplicate numbers. That is, the forged checks had numbers that were duplicates of real checks we were using. We never had checks with the duplicate numbers. Bank of America did NOT notice the forged checks. We eventually did when the criminals became more comfortable and started writing daily checks on the account. We reported the problem, did everything Bank of America asked of us, and were told the problem was handled. This was after we spent hours on the phone with Bank of America. We were reimbursed the amounts fraudulently taken from our account, so we assumed the problem was resolved. Now, 60 days after we discovered the fact, Bank of America is telling us that we are responsible for not detecting the fraud and that we are liable for the entire amount that was stolen from our account. They are denying 80 % of the claim -- even though their fraud system failed to notice that the forged checks had account numbers that were duplicates of our own valid checks. We have attempted to contact Bank of America to dispute this but are in " consumer '' department XXXX being transferred to agents who can't help or offer options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute XXXX XXXX Experian XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; NXXXX XXXX ( Original Creditor:XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2022
Product: Mortgage

Based on our research, We have notice that we have numberous of violation pending against our previous mortgage loan company ( XXXX/XXXX XXXX XXXX ) at the time we refinance, which is Preditory lending, Truth n Lending, RESPA. However we later discover a alleged third party debt collector, who acting as a lender ( Select Portfolio Servicing ). We filled that the third party debt collector needs to be investigated more thoroughly and the reason for inflation and increase of the alleged third party debt. We also received numberous of Foreclosure attorney Mill/Substitute trustee  letters ( XXXX XXXX XXXX ) in acting as debt collector on behalf of Select Portfolio Servicing ) in  violation of FDPCA. We recent applied for the modification to avoid the foreclosure sale and we receive 2 notification letters, one letter stated that SPS receive the modification and that it was under review and they 30 days for response. the letter was dated XX/XX/XXXX. 2nd letter dated XX/XX/XXXX from SPS as well stating they going to start foreclosure proceeding within 20 business days,  another letter was follow stating the loan was purchase by Foreclosure Mill ( XXXX XXXX ) at the foreclosure auction on XX/XX/XXXX, which is not a full 20 business days. I 'm legal XXXX and was sick at that particular time frame.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding the unauthorized sharing of my personal information with non-affiliate third parties by XXXX XXXX XXXX This action is in violation of various federal laws, including but not limited to the Consumer Financial Protection Act ( CFR ), Uniform Commercial Code ( UCC ), Privacy Act of 1974, Family Privacy Act, and the Fair Credit Reporting Act ( FCRA ).

The specific legal references for these violations are as follows : 1. **Consumer Financial Protection Act ( CFR ) and United States Code ( USC ) : ** - 5 USC 552A, 45 CFR 155.260, 15 CFR 325.16, & 21 U.S.C . 371.

2. **Privacy Act of 1974 : ** - The Privacy Act of 1974 prohibits the disclosure of personal information without the consent of the individual. By sharing my personal information with non-affiliate third parties, XXXX XXXX XXXX  has violated the provisions of this act.

3. **Family Privacy Act : ** - The Family Privacy Act safeguards the privacy of individuals and families by regulating the disclosure of personal informationXXXX XXXX XXXX XXXX XXXXs unauthorized sharing of my information is a clear violation of the Family Privacy Act.

4. **15 USC 6802 thru 6805 ( FCRA ) : ** - The Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized disclosure of consumer credit information. XXXX XXXX XXXX actions are in direct contravention of the FCRA. 

5. **15 USC 1681B ( FCRA ) : ** - Section 1681B of the FCRA outlines the conditions under which consumer reports may be furnished. The unauthorized sharing of my personal information constitutes a violation of this section.

Additionally, I must bring to your attention that, by law, FLAGSHIP CREDIT ACCEPTANCE is required to send me an opt-out notice every 30 days, which I have not received. Furthermore, it is imperative to note that by law, XXXX XXXX XXXX is not supposed to give my information to any non-affiliate third-party companies. 

In accordance with the aforementioned legal provisions, I am hereby invoicing XXXX XXXX XXXX for the sum of XXXX XXXX dollars ( {$1000.00} ) per violation. Please note that each instance of unauthorized sharing of personal information constitutes a separate violation. 

Payment should be made within 30 days of receiving this invoice. Failure to comply with this payment request may result in legal action to seek redress for the damages incurred, including but not limited to pain and suffering for negative adverse actions throughout this time period.

If XXXX XXXX XXXX fails to rectify this situation within the specified timeframe, I must inform you that I will have no choice but to pursue legal action under 15 US Code 1681 ( Identity theft ) and 16 CFR 433.2. 

I expect XXXX XXXX XXXX to address this matter promptly and take corrective measures to prevent any further unauthorized sharing of personal information. If you require any additional information or clarification, please do not hesitate to contact me in writing. 
Email : XXXX Or by mail. 

Thank you for your immediate attention to this matter. 

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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating my account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes, Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today is XX/XX/XXXX. It has been a week since PNC Bank promised that a modification decision would be made. 
I am 48 business hours from the sale of my house on XX/XX/XXXX. This is the second time I have experienced going to the midnight hour with PNC. 

This is the same nightmare scenario that led to a currently pending Class Action federal case against XXXX XXXX XXXX ( dated as ofXX/XX/XXXX ) by he CFPB. 
PNC 's and XXXX XXXX policy handbook seems devoid in their understanding of the definition " Escalation of Sale Date ''. The Escalation with the Loss Mitigation department is apparently an empty title that is for appearances only and has no active proactive procedures to adequately resolve the complaint. PNC like XXXX  has also failed to place the sale on hold. This kind of treatment is belligerent. This is the 21st century and regulatory practices demand full Transparency on best practices. This is a regulatory violation. 

Finally, am I the only customer that has voiced these PNC systemic violations? Or are there any other voices out there to say that " PNC failed miserably to adequately resolve Foreclose Sale complaints after the customer had provided all requested documentation ''? 

Without the strong arms of CFPB, FTC, and other State agency being vigilant, the playing field would be characterized as being unfair and stacked against the consumer in their dealing with big financial corporations like XXXX  and PNC. It would be unjust for XXXX  and XXXX XXXX ( now XXXX  XXXX XXXX ) to have been penalized back then for their unfair practices. Only to let XXXX and PNC 's reckless and repeated bad behavior goes unpunished. As they have systematically and continuously violated best practices regulations regarding Foreclosure Sale complaints. These regulatory rules are designed to be fair for both companies and consumers. 

Any assistance would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian added a fruad alert, as have others with all of these breeches. I never authorized ANY alert. experian reefuses to remove the alert. yes, my id was stolen, as my ssn numbers- however, that does not give anyone permission at any company to refuse acces to my files in any way due to panic mode at their company. remove all blocks and alerts. I am being denied credit due to this, which is unlawful. Furthermore disputed information is fraudulently being re aged and re certified. IT MUST BE REMOVED. THE DEBT IS CHALLENGED- if companies will not comply in CORRECTLY REPORTING THE DATA- and they have not so far for years, then it must by law- be removed.
Product: Mortgage

I had suffered a XXXX XXXX in XX/XX/XXXX, I have suffered 2 other XXXX XXXX prior to that incident my wife was XXXX  in a XXXX  XXXX  in XXXX after 22 years of marriage I was devastated but was able to recover from that and stay on top of my life caliber home loans is where my mortgage is financed through, I was given a forbearance application to file with a team of specialists that work for caliber home loans, I was not allowed to make payments during the application process as of XXXX XXXX I am 8 payments behind totaling {$8800.00}!! My payment is {$1000.00} per month, after I was denied the forbearance modification loan I was put in forcloser process when I was not able to come up with the amount in full due to the fact that caliber home loans does not take partial payment on a loan 120 days past due. I contacted caliber home loans offering them a informal repayment plan of {$2500.00} down and the monthly payments of {$3400.00} for XXXX and XX/XX/XXXX, once again in was denied due to the fact of my payment history. I built my home 26 years ago to raise my family in I'm a honest person that wants to keep his home I'm just asking for a new payment plan, when the banks faced difficulties with over extending loans the people bailed them out I feel it's only fair for the same in return.
Product: Credit card

I rented a car with my capital one credit card with a {$750.00} credit limit. The total charge was {$740.00}. XXXX illegally charged the credit card {$1900.00} which was significantly over the credit limit and Capital One approved the charge and I am now {$2800.00} over the credit limit of {$750.00}. Capital One allowed this fraudulent charge even though my credit limit is not that high and I disputed the illegal charge multiple times and Capital one failed to investigate the consumer fraud that was happening even after being notified multiple times that the charge was not valid and that no charge over the credit limit should have been approved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Dear sir, I would like to complain on my credit report prepared by a credit report company, Experian, especially on the section of XXXX XXXX. From XX/XX/XXXX of XXXX, an extended fraud alert was on this companys credit report. Before this alert was on, I have complained to this company addressed XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, the written so-called statement XXXX XXXX XXXX XXXX : I AM CURRENTLY ON XXXX XXXX XXXX. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT - -. THIS ALERT WILL BE MAINTAINED ON FILE FOR XXXX XXXX BEGINNING XXXX. 

On these complaints, I tried to dispute that I was a XXXX nationality and from my birth year, this XXXX XXXX alert should not be written and added by me, because, clearly, a XXXXXXXX XXXX  would not serve the United States in the military. However, this company, Experian, deleted the information of birthdate last week, about XX/XX/XXXX of XXXX. And I would like to add my comment, maybe, this Experian considered I would apply to be the United States citizenship after the duty of military and possibly the education as a benefit of service. Therefore, since I have education which reached as a XXXX XXXX candidate of XXXX XXXXXXXX XXXX, a holder of XXXX XXXX XXXX and a currently pursuing another XXXX XXXX, I should understand myself that this Experian want me to be a citizen of the United States and agreed I was serving in the XXXX. However, I am not in the XXXX and living in XXXX XXXX, XXXX XXXX with my family. As the end of this complaint, I would like the attorney of XXXX XXXX to request the deletion of the statement part of military duty from my credit report of Experian and submit the reason of addition of this part and who requested it. 

Sincerely,
Product: Credit card

I received two Amex cards as gifts. They are virtually useless. One card was originally XXXX but I was able to use it at XXXX XXXX 2 years ago for a portion but I still have a balance of XXXX, and the other card is XXXX. They are not accepted anywhere, will not go thru online or in person. Ridiculous. Called AMEX nothing. I registered both cards they just wont work XXXX- {$600.00} and XXXX for {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cashcall routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then Cashcall changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.
Product: Debt collection

I am not liable for this debt with XXXX, I do not have a contract with Caine & Weiner, I requested a copy of contract I never received. This company has been removed off my consumer report 2 times and keep coming back. They keep harassing me and disturbing my life with this issue.
Product: Bank account or service

I opened a Bank of America account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called bank of america 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.
Product: Debt collection

This in regards to an account that was sold to you by XXXX credit. I have disputed this account several times to the creditor and they refuse to send me any proof of why they believe this is my account just statements. I have never done business with this company before, nor have I accepted ownership of this account. They claim that I have but I do not know why its so hard for them to believe that my identity was stolen even after submitting several legal documents proving that the address, phone number, name was all identity theft and that this account is proof of that. In the last communication It was stated that I made a CFPB complaint to this company in XXXX but I did not which is furthermore proof that it is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

well, I pay {$30.00} a month to XXXX  and XXXX  to me with fixing a thing that I figured would be easy considering all the documents I've sent. The more I try to fix inaccurate information the worse both make my report. The people just don't understand English very well and do not understand the issue. I've had to a credit card company cut my card off because XXXX  said it was related to fraud. the account was not related to fraud the two-month first premier report my payments late was not my fault they were late.they were late because of a fraud-related problem affecting my taxes and financial aid for school.com. Another issue I am having with XXXX is when I call them I noticed what they see in my report is not the same as I see when I'm login to my membership account. .Almost always they open another dispute after I get off the phone with them. a couple of times this has happened and I didn't make a dispute. They have the amount of money I have available wrong on my accounts the card limits on cards the date accounts were open. They do the opposite of what I tell him or show them. I paid my only two cards off they have a credit limit for both backwards and the account were both at XXXX for two months. now XXXX and XXXX with remaining available credit of XXXX, not XXXX. I think XXXX  is the problem not my who I have accounts with
Product: Checking or savings account

Illegal overdraft fees from the years of XXXX.