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

This is regarding my BoFA card ending XXXX which is premium rewards card and offer a {$100.00} credit annually for Airline Incidental Fee. This year I made two transactions for seat upgrade and baggage from XXXX XXXX on XX/XX/XXXX ( {$240.00} x 2 ) for which I didn't notice the {$100.00} credit. On XX/XX/XXXX, I contacted BoFA customer care to enquire about the missing credit. They submitted a case on my behalf but nothing happened and after a week I received a letter stating that they needed more information. 
I called the customer care again on XX/XX/XXXX and the representative told me that they wanted to confirm if the seat upgrade was purchase separate from the original airline ticket, to which I confirmed YES. I even gave a reference of two similar transactions from XX/XX/XXXX ( {$230.00} x 2 ) for which I did get the credit after reaching out to them last year as well. It was the exact same transactions, with the exact same airline and the exact same purchase for the seat upgrade and bagge. She created XXXX # XXXX and told that she mentioned about two transactions from XX/XX/XXXX too for reference of the representative who would look into this case. 
After again a week I received another letter that stated that transaction was not eligible for the credit since the transaction was part of the airline ticket and not separate. I called the customer service again today ( XX/XX/XXXX ) and the agent told me that he can not do anything since the case was already reviewed. When I asked him how did you assume that the transactions I am claiming were part of the original ticket and were not separate transactions to which the agent responded with no ownership saying " It's not me, it's the representative who reviewed your case has mentioned ''. I told him I have the proof from the airline which is the confirmation email of the seat upgrade package purchase for the transactions I am claiming for the credit that shows it was separate transactions not part of the ticket purchase. However, all they told me that they would put that on the case for the representative to review the case again but still did not ask me to share the proofs I have. I knew this is not going to be resolved based on my prior experience with BoFA and since I am planning to close this card because of all these issues, I want to get the credit before I do that and thus submitting this complaint. Hope you can help here.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Credit card

I had a Citibank credit card for 38 years but I closed the account last XXXX due to repeated security breaches with credit cards being sent to me for individuals I did not know. After repeated calls/attempts to resolve this issue and receiving poor customer service, I closed the account I cut up my card and did not log onto the website ( I was on paperless billing ) XXXX also forgot my password due to not using it anymore. I am thinking that this is a done issue. I received an email in XXXX stating I had a charge from XXXX for a subscription renewal. I was no longer using XXXX as I have a new laptop and am using XXXX now. I called Citibank and disputed the charge. I was told that the charge would be investigated as the charge was processed AFTER I closed the account. I once again think I am through with Citibank. This past XX/XX/XXXX, I received an email ( for the first time ) from Citibank stating that I owe over {$200.00}. I once again call Citibank and was routed from Customer Service to Billing Disputes to Security to Collections. Each representative claiming that they could not help me and then transferring me to the next department. I made repeated calls to Citibank over the next 2 weeks, spending about 4 hours on the phone, each call being routed to the different departments with no resolution .I sent a letter XX/XX/XXXX but have not heard anything. I sent a payment today, XX/XX/XXXX, for the balance of {$100.00} ( which I was told today when I called once again ). I do not owe this as I did not authorize the charge but am tired of trying to resolve the issue and continuing to accrue late fees. The delinquent payment is now reflecting on my credit rating. I am still confused how a payment was processed AFTER I closed the account and confused why no one I spoke with could explain it to me. Citibank has exhibited the worst customer service I have ever experienced, especially considering the fact I was a long time customer with an excellent payment history.
Product: Credit reporting or other personal consumer reports

Experian This is my second request to have these Accounts updated as PAID as agreed NOT reported as LATE payments. According to Congress Federal law fair credit report act 15 USC 160 8 1AN definition exclusions contract in civil my ability for willful noncompliance erase and discharge the line of credit and transactions experiences that show late payments payment history and new credit. This shall be excluded on consumer reports you also need to show original agreement with signed wet ink signature for the following accounts I never gave permission to report this. also violates 15 USC 160 81EB delete these late reported account accounts immediately. An update all of my consumer reports to paid as agreed XXXX XXXX XX/XX/2025. 
You have listed XXXX account number XXXX and XXXX XXXX  account number XXXX and XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX reported late Update these today and send me a new credit report that has been updated. Thank you, XXXX XXXX XXXX
Product: Debt collection

I filed bankruptcy on XX/XX/23 and on XXXX checksmart called me to collect on this debt which is in bankruptcy, I told the representative that I filed bankruptcy and he called me a liar, said I was just saying that. I told him I have the call log on my phone which I will giving the attorney and he told me I wasnt giving it to my attorney. I informed him that collection activity after bankruptcy is filed is illegal and that I can sue them for punitive damages, attorney fees and such. He still persists I was lying.
Product: Student loan

For years, ever since I was able to consolidate my federal student loan, I have been trying to get the same done at Navient. Any time I call I get bounced around until I eventually hang up because they dance around my question. I have XXXX accounts with Navient, with 10.25 %, 7.625 % and the last at 2.875 % interest rates. XXXX of those are exhorbident and I 've tried to do everything but they 're just not helpful. I get the " oh we do n't do that '' but I know full and well that they do. I 've tried to ask about loan forgiveness and got the same response. Navient is only looking to help itself, not all of us in piles of debt for pursuing a greater education. I 'm the XXXX to graduate college.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found some erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}
Product: Credit reporting or other personal consumer reports

I went free credit report today XX/XX/year> and I noticed that theirs an address on my transunion report on my previous address that I have never lived at I have never moved to any other states in my life I only live in XXXX. 
This is the address that is showing on my Transunion Report XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Please check into this because its a fraud and it should never be on my credit report. 


Thank You
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that they have on file that was used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Experian thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I look at a copy of my credit report and noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that. you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX ) Account # XXXX Equifax ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX XXXX ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX ) Account # XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX ) Account # XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHMENT FOR DOCUMENTS I WOULD LIKE THE ADDRESS THAT'S REPORTING TO MY CREDIT TO BE DELETED, THE ADRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PLEASE DELETE THE XXXX ACCOUNTS REPORTING ON MY CREDIT -XXXX  ( AUTO LOAN ) XXXX -XXXX  ( PERSONAL LOAN ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, XXXX and Transunion Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$2500.00} 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 Balance : {$750.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX, XXXXXXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX  Account name : XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX FXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 
I'd appreciate it if you could update this reporting account as soon as feasible. 
The account should be rectified as soon as possible if you do not comply with the instructions. 
Please UPDATE the following accounts AND REMOVE THE INNACURATE NAMES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$130.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}
Product: Credit reporting or other personal consumer reports

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

After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wife and I applied for a refinance through Fifth Third Bank and during the time we were told an estimated close time would be between 30 and 45 days. We went through 3 different loan officers in a period of 71 days. My wife asked to speak to a manager, who talked to her like she was bothering him and annoyed by her call. We decided to take our loan to another lender, and in less than 14 days we were able to close with another lender with the rate we wanted. 

My wife is XXXX and due in mid XXXX, so Fifth Third ( 5/3 ) was aware and told of the urgency, but still after 71 days had done nothing. The process had not moved along and they were lost when she called. No appraisal had been done because our home was only a year old. We were told we would be refunded our {$390.00} on more than one occasion, only to have a call by a " manager '' who said it was not refundable. We posted on their social media about how we felt it was  not warranted, considering they had done nothing for over 2 months. I was called by someone in their social media complaint department that " investigated '' our claim, only to say the money would not be refunded. The reason was because it was an application fee. Under TILA, it was my understanding that all monies, minus the appraisal, and possibly the credit report is refundable under the " Right to Rescind '' on a refinance. The bank did not do what they told us and underperformed their duties and obligation to us and we went to another institution that was able to get it done before losing our rate. I fail to understand the incentive for an institution to do their job if they  don't care if you go somewhere else only so they can keep your money. 

I told them that it will not go silently and I would report it, the bank pretty much let me know they were sorry and still stood their ground. It just seem unfair that a financial institution can take as long as they want, despite their being urgency to lock in a rate and not care, keeping an applicants money.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, XXXX XXXX, consumer has stolen my information to sell to the credit bureaus Trans Union violating my privacy act and my civil rights on the federal law its a violation to sell personal information and its call identity. Also the United state bankruptcy XXXX, never verified a validated the information you are selling and providing to Trans Union as I have received a letter from them that The United States Bankruptcy XXXX does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly avallable records.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations I have loss taxes that was sent to my cash app as well XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX are all my cash apps
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX CAN'T LOG INTO XXXX AND MYEQUIFAX.COM Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : PLEASE FIX!! 
I HAVE MIX MATCHED CREDIT FILE ON EQUIFAX. MY CREDIT FILE IS NOT AVAILABLE TO ME BECAUSE OF MIX MATCHED CREDIT FILE. PLEASE FIX THIS IMMEDIATELY!!! 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX balance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$200.00}