23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a call from my bank XXXX Bank of America ) informing me of unusual activity. They stressed the importance of transferring funds so I would not be subject to overdrawn fees. My caller ID showed the caller as Bank of America. They confirmed some personal information on my account. 

They walked me through the transfer using XXXX. They gave me a confirmation code to use, this was actually a phone number. 

As soon as I hung up I contacted Bank of America to stop this transaction. They opened a claim which I found out yesterday was denied.
Product: Credit card or prepaid card

I booked a XXXX XXXX flight to XXXX, on XX/XX/2020 at XXXX, using Chase credit card reward points. On XX/XX/XXXX, I received a notification from XXXX XXXX that my booked flight XXXX XXXX XXXX is cancelled. I was then rebooked ( w/o my confirmation XXXX to a flight on XX/XX/2020 at XXXX. That XXXX pm flight was also cancelled. 

I submitted a refund request to XXXX XXXX on XX/XX/2020 and they responded the following day informing me I had to submit my request to the travel agency XXXX Chase Rewards ) I booked my flight with. 

On XX/XX/2020, I reached out to Chase and they informed me XXXX XXXX was able to issue airline credit ( {$610.00} ). Chase informed me that if I wanted a cash refund, I'd have to reach out to XXXX XXXX directly. However, since my flights were cancelled, I wanted a full return of my Chase credit card points. I did not want XXXX XXXX travel credits. 

Then in XX/XX/2020, I submitted a US DOT complaint regarding the credit card reward points refund process. I received the same response from XXXX XXXX. Talk to your travel agency if you want a full refund of points. 

The problem here is when I ask chase for a full points refund the refer me to XXXX XXXX. And when I reach out to XXXX XXXX, they refer me back to Chase.
Product: Mortgage

My bank statements clearly show that I paid my mortgage on-time each month, however ; America 's Servicing Company is reporting late payments despite several disputes in which I provided documentation to prove that my payments were on-time. I opened my bank account in XXXX XXXX and have attached the bank statement showing auto-deduction of my monthly mortgage payment in the amount of {$500.00} ( which included a small over-payment since my monthly payment was actually only {$480.00} ) from XXXX XXXX to XXXX XXXX, when the mortgage account was sold to another lender. I did not miss a single payment ( I even paid an extra {$500.00} payment in XXXX XXXX so it is n't possible that I became 30 days late in XXXX XXXX as shown in the attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

names address and accounts wrong XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX Loansshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments beginXX/XX/XXXX 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, these entries are unauthorized and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$28000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX  - XX/XX/XXXX
Product: Checking or savings account

Satisfied all checking account direct deposit requirements and waited past the required XXXX  days for promotional bonus to be deposited into account but at about XXXX  days now there is no promotional bonus that appeared.
Product: Checking or savings account

XXXX Bank still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Credit card or prepaid card

I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card. 

Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card. 

Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build. 

I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ). 

I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly. 

However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}. 

They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation. 

The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Vehicle loan or lease

Hello, I am a co-signer on an account with American Honda Finance XXXX. I am seeing late pays showing up on my credit report but have never been notified of anything being array. I would have made the payments if I knew a bill was due. I never got any calls or mail sent to me letting me know the account was late.
Product: Student loan

I asked XXXX follow up question to their response, but they sent me a general answer that does not clarify any of my question. I need them to please clarify the following : XXXX - They noted that I am on the exceptional discretionary forbearance through XX/XX/year> because I requested the XXXX XXXX against Repayment Discharge. And, If I want to benefit for the interest subsidy for the XXXX Plan, the account would need to be in the repayment status and that I have the option to request the forbearance be removed but the request must be in writing. What they did not clarify is whether I can go back on the " exceptional discretionary forbearance through XX/XX/year> '' if I change my mind after going into repayment. And if so, will something in writing suffice again. I want to make sure that I would not have to resubmit my application for XXXX XXXX. I need confirmation. 

XXXX - Is it possible for my loan to go into repayment any time before XXXX/XXXX if for some reason the XXXX XXXX against XXXX XXXX is addressed before that and they determine that my loan is not fully discharged? I need confirmation. 

XXXX - I need confirmation on how many newly eligible months payments have been made on my account? I want to calculate how many remaining months of payments I need to make before discharge if for some reason the XXXX XXXX either does not forgive in full or in part. I need this answered.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX and TransUnion credit report. My latest credit report shows eleven credit inquiries that I did not authorize. Please remove these hard inquiries from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion/XXXX  after I purchased a credit report with XXXX  on XXXX XXXX XXXX After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance : {$1300.00} this late payment will be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

The chase credit card gave an offer " 20 % Cash Back on XXXX purchases- {$51.00} max '', applicable from XXXX to XXXX. I made a transaction on XXXX and after multiple follow-ups they say I am not eligible to receive the cashback. 

I added the offer to my card on XXXX. I made the transaction of amount {$290.00} on XXXX at samsung XXXX The invoice is also dated XXXX ( attached with the complaint ), however because of unknown reason XXXX XXXX the charge on XXXX. The supervisor on chase customer care says I am not eligible and there is nothing he can do. I told him it's not logical because I authorized the purchase within the correct timeframe. I have an invoice of the correct timeframe, so why am I not eligible? He didn't respond to this and said is there anything else he can help with.
Product: Checking or savings account

My debit card information was stolen on XX/XX/XXXX and was used out of the country for {$380.00} Chase bank denied my claim stating there was not enough information when I dont use my card online or out the country I dont have a passport. My claim was denied with no information why
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXX Experian and XX/XX/XXXX I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy. Experian and XX/XX/XXXX keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to Experian and XX/XX/XXXXThey refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX XXXX Balance : {$4700.00}.
Product: Mortgage

I am a victim of Hurricane XXXX. Thankfully I do have flood insurance. That is nor my gripe. I received a check from the insurance company, but I can not deposit it into my account. They ( CitiMortgage ) wants me to sign it over to them, they will put it in a secure escrow account ( I will not get interest ). Along with the check they want an itemized list from the insurance company as well as an estimate from my contractor. 
Then and only then they will send me a portion to use as a down payment to the contractor. They will issue another check when work has been completed. Home needs to pass an inspection. Then they will issue a check for the remainder of the money. 
I have never been late on a mortgage payment. I have my taxes and insurance rolled into my mortgage ( mistake on my behave ) lesson learnt. How can they dictate to me how to spend these monies? I live in my house, I want to fix it and pay my bills myself. 
This is wrong. I am an adult, employed full time and have a terrific credit score.  They are making me feel inferior.
Product: Consumer Loan

I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )
Product: Mortgage

I have been trying to get PMI insurance removed form my mortgage company XXXX Freedom Mortgage XXXX since XXXX XXXX, XXXX! 
Today is XX/XX/XXXX. 

According to Freedom Mortgage, you must email their general mailbox at XXXX. 
( I have all the emails and messages I send to them, using their own website ) This mailbox and process is worthless. 
Calling them is a waste of time as you can not get anyone on the phone. 
When you do wait over an hour for someone to pick up, they can't help you. 

This is beyond ridiculous. I was even trying to get them to refinance my loan, which they haven't contacted me about that either. 

My home is appraised at $ XXXX. I owe $ XXXX. 

Someone. Please help me. I don't know what to do. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # # # # XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I recently pulled my credit Report and see that LVNV is reporting inaccurate information about alleged debts that I allegedly owe them! I dont know these people and have never done business with them. The amounts theyre reporting them have no proof to back them up! They are violating me by furnishing inaccurate information. 
( See attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 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. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Money transfer, virtual currency, or money service

Im am pursuing to file a complaint against CASH APP ( Block Inc ) for their unfair practices and customer services which have violated the consumer financial protection act. Cash app failed to take effective measurements to prevent the fraud on their app. As well as addressing it. My accounts were not protected by cashapp so neither was my information including my routing and account number and social security which has been breached. Under the Electronic Fund Transfer Act they failed to comply which as a result left me with loss of funds and too many inconveniences. I would like to make an approach to address their violations made towards all of my cashapp accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute XX/XX/2021 in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call today from a XXXX XXXX ( and one of her associates ) from phone number XXXX regarding my deceased husbands account. They would not tell me what account but that it was from XXXX ( my husband died in XXXX ). They said a payment was made in XXXX ( which I made have made but since they would give me no additional information I could not verify. When I tried to explain this the associated threatened me, yelling I used the card therefore I committed fraud and I would be sued and was hung up on. I tried to call back and was yelled at again being told ... you are a fraud and you have legal action against you do not call us back.
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 Account : XXXX Account : XXXX Account : XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.