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

For many months I have been receiving my credit card account statement with a box in the upper right corner in large font that reads " Cash Back Rewards This Period : _______ ''. The blank line reads the month and year of the statement, such as XX/XX/2023. And then a dollar amount is given. 

When I looked for that exact dollar amount as a deposit into my bank account, I found out that it was about half of what my statement said. When I called and spoke to many representatives I was informed that the amount written in the box at the top of the statement was for XXXX months, not just XXXX. 

This is not only misleading, it is a lie. It leads the customer to believe that they are making twice the cash back that they actually are! When I called them to ask why this was, they had no answer, and said that they would raise the issue with their higher-ups. 

If the text box says " Cash Back Rewards This period XX/XX/2023 '', the amount in the box should only be what was earned in XXXX. Not XXXX AND XXXX.
Product: Mortgage

I called my VA mortgage servicer to enter into the 180 day forbearance plan per the CARES Act Section 4022 and despite the law stating that all that is required is " borrowers attestation to a financial hardship caused by the COVID19 emergency '' they have requested I fill out several forms including a complex financial history form. The representative stated that Freedom Mortgage has their own process to apply for the forbearance and that I have to provide this financial information. I also submitted this request through the online secure messaging form with the servicer but have not received a reply at this time. 

I am attaching a screenshot of the secure message I sent several days ago as well as the financial form the servicer is requiring in order to process the forbearance request.
Product: Credit card or prepaid card

On XX/XX/19 someone called Bank of America claiming to be me and asked that a payment be refunded to their account instead of the account the payment originally came from. Bank of America sent {$4000.00} to an account that I do not own or have ever owned or that has ever been associated with my credit card account. 

I discovered this on XX/XX/19 and called Bank of America right away. They cancelled my card, issued me a new card and told me that they were stopping payment on that refund and that the {$4000.00} payment would be put back on my card. 

I received my new cards but they never put the {$4000.00} payment back on my card, so my balance is still {$4000.00} higher than it should be. 

I have spent many hours on many days trying to resolve this with Bank of America. They still have not fixed it as of today.
Product: Debt collection

A credit inquiry was mistakenly placed under my credit report. I have tried contacting the collection agency, Transword Systems, to get this item resolved, however they are not very helpful. What they do is start transferring me from XXXX department to another, and sometimes out right refuse to help me. My credit has taken a very large plunge ( it has gone from mid XXXX to mid XXXX ). Every attempt I have taken to tried and get this resolve always results in me being transfer, and no one actually helping me.
Product: Credit card

I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.
Product: Mortgage

My escrow payment increased from roughly {$330.00} a month to {$410.00} a month while my taxes/ homeowner insurance have stayed the same. No XXXX at ocwen has been able to tell me why or tell me where my money is going. They tell me someone will get back to me and they never have for 2 weeks now.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my insurance company, XXXX, paid my finance company, Regional Acceptance Corporation, a settlement check for {$8500.00}. The payoff amount is {$12000.00}, leaving a balance of {$3200.00}. I received a list of documents necessary in order to file the GAP Claim. I had to contact my auto dealership for the XXXX XXXX XXXX that was totaled by a deer on XX/XX/XXXX which I did, and they sent me the necessary paperwork. Then I had to contact my insurance company for specific paperwork which they sent to me in a prompt manner. Next, I had to ask my finance company, Regional Acceptance Corporation, for certain documents, as follows : Finance Agreement/Retail/Installment Contract, copy of signed GAP Addendum, their preferred GAP payment mailing address, my payment history which must show insurance check posting, all transactions from beginning of loan thru present and including running principal balance from beginning of loan thru present ; and the payoff as of date of the loss and how it was calculated. Date of loss is XX/XX/XXXX. Vehicle is a XXXX XXXX XXXX. Regional Acceptance Corporation still needs to send me their preferred GAP payment mailing address, my payment history, and the payoff as of the date of the loss and how it was calculated. I have emailed and called numerous times. I have provided a detailed contact spreadsheet.
Product: Checking or savings account

Wells Fargo executive branch has aided and abetted in bank fraud.
Product: Credit reporting or other personal consumer reports

There is an inaccurate information reporting to my credit report. I been no longer had the vehicle in my name or progression, nor have I ever lived in Texas. This devastating and hurting my credit score and my life. 

Credit Management L.P. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX OR XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Request for Purchase Agreements- Account Number : XXXX. 
Reference : XXXX. Invoice Number : XXXX. Client # XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number Account Number : XXXX. 
Reference : XXXX. Invoice Number : XXXX. Client # XXXX I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX Reference : XXXX. 
Invoice Number : XXXX Client # XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 
Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

A decision was made against me regarding outstanding debt originated by XXXX and represented by attorney Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt was used to fund XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been dissolved. Stillman Law Office has numerous complaints by reviews on XXXX and filed against in the Consumer Complaint Database. I dont believe I should be required to make monthly payments on a debt that wasnt issued to me personally and a business that has been dissolved. 

This law office has a negative track record, they didnt show up for scheduled XXXX meeting and a judgement without trial was granted against me. 

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 or other personal consumer reports

The account XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) on my TransUnion credit report is inaccurate and has negatively impacted my creditworthiness, affecting my ability to obtain credit, employment, and housing. Despite being a victim of the XXXX and XXXX data breaches, TransUnion has failed to ensure the accuracy of this reported information. I am also concerned that TransUnion may be engaging in improper dispute resolution practices similar to those highlighted in the CFPBs recent lawsuit against XXXX for sham investigations, in violation of 15 U.S. Code 1691b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a XXXX Demand letter asking for the original signed contract after XXXX days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, unable to get meaningful cooperation despite my having emailed the CEO, I also spoke with XXXX XXXX from their executive office - the issue pertains to an account with XXXX XXXX ; XXXX, misreported the account as an automobile loan with an existing open balance from XXXX ; the account was a sales contract, paid-in-full within 6 months. Presently, the account is showing it was paid in XX/XX/2020 which, is incorrect. Experian, does not care about resolving the issue, they only care that their bases are covered, no repercussions on their end. WHY?
Product: Prepaid card

It all started on XXXX XXXX, 2015, I have my payroll check deposit on my prepaid card, i check my balance on my card and it was well over {$300.00} dollars so I went into XXXX and pick up some lunch and to my surprise I could not use my card. I tried XXXX and it would not go through so I went outside to call and see what the problem was and they could not find anything wrong. It took two days for them to tell me that Comerica had my account block because I owe the over {$600.00} dollars, I ask them to cancel my card because I have not been to Comerica in over thirty years, They would not cancel the card so I cancelled my direct deposit for my check and the card is still open and they will not give me my balance that remains and all of the bills I use to pay this card with I had to change them but they are telling the bill people the card is over charged but I ca n't even use this card anymore.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score.

Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX JPMCB CARD XXXX JPMCB CARD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at [ your phone number ] or [ your email address ]. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Capital One regarding the denial of my application for a 360 Checking account. My name is XXXX, and I arrived in the XXXX on XX/XX/XXXX through a XXXX XXXX. In an effort to secure a safe place for my funds, I opened a XXXX XXXX XXXX XXXX XXXX XXXX account on XX/XX/XXXX, as the nearest bank. 

Given my current jobless and social benefit-less status, it is crucial for me to rely on my available funds for daily necessities until I secure employment. Upon learning about the advantages of Capital Ones 360 Checking, I eagerly sought to enroll but lacked my Social Security Number at the time. On XX/XX/XXXX, equipped with my SSN, I contacted Capital One to open both a Savings and a Checking account, aiming to link them, especially with an upcoming job starting on XX/XX/XXXX. 

Regrettably, while the 360 Performance Savings account was successfully opened, my application for 360 Checking was denied. The reason provided was a report from XXXX XXXX XXXX XXXX XXXX, indicating a bad deposit account score ( XXXX ) and, consequently, a negative banking history. I find this perplexing as my entire banking history spans a mere XXXX  days, during which I struggled to meet basic needs without income.

I am seeking your intervention to understand how a negative banking history was determined within this short timeframe, especially considering my circumstances. Without gainful employment, my financial activities have been limited to essential living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my XXXX credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
Product: Credit reporting or other personal consumer reports

After looking over my credit report, I noticed that there are XXXX late payments reporting for XXXX accounts that I was never late for with XXXX XXXX. Account number XXXX and XXXX. Can you please investigate and provide the proof of the late payments? If there is no supporting evidence of late payments, can you please have these payments update as I was never late? Thank you
Product: Credit reporting or other personal consumer reports

Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. 

However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments.

" ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns about issues identified on my credit report. Upon review, I discovered multiple inaccuracies, such as incorrect account listings and unauthorized inquiries. These errors are negatively affecting my financial stability, and I urgently require your assistance in resolving them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Red Oak, GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Request for Immediate Correction/Removal Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unverifiable information on my credit report. I previously filed a dispute regarding the following accounts : XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX / XXXXXXXX XXXX XXXX XXXXt # XXXX SYNCB/PPMC Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX My dispute was based on [ reason for dispute, e.g., inaccurate reporting, identity theft, incorrect balance, outdated information ]. However, Experian failed to properly investigate my dispute or provide sufficient evidence to verify the accuracy of the information. 

I was recently notified that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, citing violations such as accepting unreliable information and failing to properly notify consumers of dispute results. These allegations align directly with my experience, as Experian has neither removed nor corrected the disputed information, despite my valid request. 

XXXX failure to investigate or correct these errors violates the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ) and my rights as a consumer. As these inaccuracies are negatively affecting my ability to obtain [ a home, vehicle, credit, etc. ], I demand the immediate removal or correction of these derogatory marks from my credit report. 

Please provide a written response confirming the corrective actions taken. If Experian fails to comply, I will have no choice but to escalate this matter further, including filing complaints with the CFPB and taking legal action if necessary. 

I have attached a copy of my credit report with the disputed accounts highlighted, a copy of my previous dispute letter, and any supporting documentation. Please address this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

RE : Sterling National Bank. commercial LOAN # XXXX I have meet with bank managing director XXXX XXXX back on XXXX I am trying for lender to provide me mortgage bills for years XXXX & XXXX ( 1098 IRS forms ) that are obligated to provide every end of year. 
Sterling bank has failed to do so after many attempts and I even meet with them and they have been charging me now for past 11 months higher interest and higher Tax escrow that what my actual property taxes are, I have emailed them many times copy of my property tax bills showing lower taxes and all what they need BUT yet they still dont want to give me what is owed to me/client. 
I want Sterling National Bank to be nothing more than fair and provide what a loan service is obligated to do to their clients. 
I have proof emails ( over 50 emails ) since XX/XX/XXXX that what I asked and pretty much nothing has been given to me and their lack of communications and unprofessional people with NO answers its very frustrating!
Product: Credit reporting or other personal consumer reports

I am writing to request the correction of inaccurate information appearing on my credit report. Upon reviewing my credit report, I noticed that this account is inaccurately marked, causing potential harm to my credit profile. After contacting the company associated with this account, I was informed that the issue stemmed from a miscommunication on their part. Specifically : Statements for this account were sent to the wrong address, which caused delays in communication and confusion about the account status. 
The company has acknowledged their mistake and assured me that the address error has been corrected in their system. 
They also confirmed that the account should accurately reflect as open or closed/never late based on its payment history and status. 
I request that Experian update my credit report to reflect the accurate status of this account in line with the companys confirmation. This correction should include : Removal of any late payment records erroneously reported. 
Updating the account to show the appropriate status of open or closed/never late, as agreed upon by the company. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$33.00}, XXXX written off. {$21.00}, 228 past due as of XX/XX/XXXX. 
According to the XXXX XXXX, accounts in forbearance or deferment should not be reported as delinquent or charged off if they were current prior to the forbearance period. However, I noticed that my account has been reported as Charged off as a Loss [ late, delinquent, etc. ] during the forbearance period, which is inconsistent with the protections provided under the CARES Act. The amount stated owed has already been written off as a Loss from the original creditor and no longer holds this debt. 

I kindly request that you correct the reporting of this account to reflect the proper status during the forbearance period and update my credit report accordingly. This correction should reflect that my account was in good standing and no negative reporting should have occurred during the deferral or forbearance period and be removed from my report as no balance due.