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

I obtained a XXXX Mastercard a couple of months ago-under the promotion of 0 % APR until XX/XX/2023. 

I have used the card several times and have been charged interest the past 2 months. 

I called today and spoke to XXXX XXXX, on XX/XX/2023 and this employee acknowledged I was under the promotion correctly, and I was charged interest wrong. She said she could refund me only 1 month of the wrongly accrued interest. I told her this wasn't acceptable and I needed them to refund both of their errors. She said that wasn't possible. I asked her why they lie then because the email that I got reminding me was that it was still 0 % APR until XXXX. She said she wasn't sure, but did acknowledge that it was a lie. I asked her what was a lie and she put me on hold for a couple of minutes without telling me and finally got back to me and I told her I would be filing a complaint unless they refunded the money that they lied to me about the promotion. 

She put me on hold again and I do not have all day to sit and wait for a manager or supervisor to come to the phone and argue with them. 

This employee admitted that I wasn't charged correctly but still refused to refund the money. 

I was lied to by this company about their APR and when it ended and what it covered. What this employee said doesn't match what is in my email or what I signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I logged onto my Bank of America account in the morning. I noticed two accounts that were listed that were not mine, each with a XXXX balance. After calling BOA, I learned that the accounts were set up by someone using my social security number and name, yet a different address. These fraudulent accounts were linked to my current account at BOA. After speaking with several people in the fraud department, no one is able to tell me why they would allow an account with my information, yet a completely different address, to be opened and then linked to my current account. Additionally, although I have all the alerts and 2-factor authentication set up, neither was sent to me. Had I not logged on that morning, it appears that the fraudulent accounts could have taken the money out of my account. BOA 's message, when on hold, was that they take security seriously and that address changes need to be verified. It is beyond my understanding how they would allow someone to set up an account with a completely different address than listed on my account. As a client of BOA since XXXX, my address has remained the same this entire time. It is frustrating to think that although I have as much security as they offer on my account ( alerts, 2-factor authentication ), they did not verify an address when linking a fraudulent account to my existing account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I halve incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging of posting of charges and credits. This issue aligns with the recent CFPB findings shading Navy Federal for similar practices, where transactions settled with insufficient balances initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the TransUnion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card

XXXX XXXX XXXX  XXXX Amex travel tells me there is no voucher, so I can not rebook flights. Amex Trip Cancel Guard tells me there is a voucher, so I can not get the reimbursement. The two teams are contradicting each other, and I am left with no recourse. Either resolution works, but it is absolutely not alright to make a customer wait for 3 months, and spend over 20 hours on calls with no resolution. 


I booked a XXXX flight on Amex Travel, and purchased Amex XXXX XXXX XXXX along with it. This was on the XXXX of XXXX, XXXX. I canceled the flight on the XXXX of XXXX and I was told I was issued an airline credit in an email. 

I attempted to activate the XXXX XXXX XXXX as soon as I canceled by submitting the claim online. However, three days later, I was notified of the denial of the claim with some unclear information ( including a request for a pending TLS report ). I asked for more information, but never heard back. 

At the same time, I called the Amex travel phone line, and they mentioned XXXX can avail of the credit/voucher for a year. In fact, I was able to see it on my Amex travel portal. I asked if I would continue to see it on my portal even if I canceled my credit card, and received an affirmative response. I canceled my card, and as promised, I was able to see the credit on the portal. 

However, a month later, I lost access to it. After several ( over 30 ) calls each lasting an average of >45 minutes to both Amex travel and Amex XXXX XXXX XXXX, in addition to opening a Global Complaint, the following is what I observed - Multiple agents from Amex travel gave me conflicting information on the existence of a credit or lack thereof - one said I have access to the credit for a whole year, another said XXXX is doing me a favor and enabling it for a week, and yet another said I was supposed to rebook flights on the same day - and then did a U-turn on that claiming that I needed an active Amex card and the base fare of the rebooked flight should exceed the original base fare. Even then, they were unable to actually make the booking, and attempted to pass my account over to XXXX XXXX declined to take direct calls from me as Amex travel is my travel agent, and they also mentioned they do not offer credit any longer ( instead only offering vouchers )- this is a direct contradiction of the claims multiple Amex travel representatives made Amex XXXX XXXX XXXX was unaware of all of this information, and responded after a long delay with another rejection of my claim - because I have an open voucher from XXXX until XXXX, XXXX - another contradiction of the claims by Amex travel Subsequent calls to Amex XXXX XXXX XXXX and Amex travel were either dropped or left unresponded to ( including one fascinating case when I was rerouted to the Rental Cars division, apparently ). Amex travel claimed yet again that I dont have any open vouchers, and the Trip XXXX XXXX XXXX reasserted their claim that I do have an open voucher. 

It has been 3 months, over 30 calls, and 20+ hours of my time wasted on calls with representatives who are often rude, but the amount at stake is high - greater than {$2200.00}.
Product: Credit reporting or other personal consumer reports

On my consumer report there are incomplete and inaccurate accounts reporting. I have asked for verification of multiple accounts and they all have come back verified, I would like to know the method that was used to confirm that accurate and correct information is being reported. According to the FCRA you are suppose to report correct and accurate information. 

Your report should also reflect the other CRAs and at the moment there are a few accounts on my consumer report that are not on my XXXX please make the corrections and delete the accounts I would like these accounts to be reviewed to confirm they are correct and accurate 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 Once the investigation is complete please send me my complete credit file
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some closed accounts that I did not approve anyone to pull my credit report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX  XXXX {$6100.00}. XXXX  XXXX XXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Product: Checking or savings account

Citibank closed and locked me out of my account on XX/XX/2023 for no reason. I was then told they had 30 days to mail and check for the balance that was in my account which is nearly {$60000.00}. It's been over 90 days and I still haven't been given access to my money or received a check from them Citibank bank continues to send me to a different department with a promise of it will be 15 days 5 to 7 days or 1 to 3 days and they have failed to do absolutely nothing to resolve this issue. I have expressed the upmost importance of this matter that I have used all extra resources and I am in between jobs that I now have cut off notices, eviction letters, and it's not only effecting my credit my in danger of becoming homeless. I need help getting my money from Citibank please.
Product: Debt collection

Dear Sir/Madam, I had to choose wrong amount because ont he form it doesn't have a section for re-aging. 

I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection account that has been inaccurately re-aged and reported on my credit report. This deceptive practice is causing damage to my creditworthiness and financial stability, and I believe it is imperative that the CFPB investigates and rectifies this situation. 

The collection account in question pertains to 12 REGIONAL FINANCE COMPANY OF NE but is now in collection with XXXX XXXX XXXX. XXXX XXXX XXXX has inaccurately reported the date of the account as XX/XX/XXXX when the account with Regional Finance was back in XXXX and I believe that this collection account has been re-aged improperly, extending the reporting period beyond the legally allowable time frame. This not only violates my rights as a consumer but also presents a clear case of deceptive and unfair collection practices. 

I would like to provide some details about the situation : The original debt was incurred XX/XX/XXXX, and it should be removed from my credit report after seven years, as per the Fair Credit Reporting Act ( FCRA ) regulations. 

However, I have recently noticed that XXXX XXXX XXXX has updated the date of last activity on this account, making it appear as if the debt is more recent than it actually is. This re-aging has led to a prolonged negative impact on my credit score, making it difficult for me to access credit or obtain favorable terms on loans. 

I have directly disputing the accuracy of the information they have reported to the credit bureaus. Unfortunately, they have been uncooperative in addressing my concerns. 

Given the above circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX  and XXXX  XXXX for engaging in deceptive and unfair collection practices. I also request that the CFPB intervene to have this inaccurate and re-aged collection account removed from my credit report, as it is unjustly harming my financial standing. 

I understand the importance of the CFPB 's role in protecting consumers from unfair financial practices, and I trust that you will take this complaint seriously and act swiftly to rectify the situation. Please keep me updated on the progress of the investigation and any actions taken to resolve this matter. 

Thank you for your attention to this issue. I look forward to a prompt resolution and the restoration of my accurate credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy # XXXX
Product: Debt collection

Today XXXX my son received a call from Comenity Bank ( My XXXX Credit Card ) asking if he was XXXX XXXX he replied yes due to the fact of having the same name as me they told him that I owe {$620.00} and I was aware of them I later on looked at my account and I have 2 phone numbers on the account XXXX and XXXX my sons phone number is XXXX how did they even get his phone number the a couple of days ago my daughter go back from Florida where my parents live my mother informed that she has revived a call from Comenity Bank too. Im not 100 % sure what number they used but she only has 2 numbers which are XXXX and XXXX. Im pretty sure that it is illegal to contact family or friends and tell them they amount of debt you owe and even if they are trying to find me that have my address and correct phone numbers
Product: Debt collection

I am filing a complaint against RSH & Associates LLC I received a notification from the credit bureaus that an account was opened XX/XX/2018 XXXX  years ago. in the amount of {$390.00}, acct # XXXX I never had an account opened with XXXX XXXX, never received a debt validation letter confirming the details of the debt. this company never tried to contact me by letter or phone. I have a fraud alert on my credit @ all ( XXXX ) bureaus due to previous identity theft accounts. I have also filed a FTC identity report # XXXX this company RSH continues to report this account on my credit report, after I filed a Identity theft report with the FTC XXXX
Product: Debt collection

Ive advised the collection company and original creditor of my XXXX XXXX military status yet they are still reporting and trying to collect a 40 % interest rate on top of the debt. 


The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id.

In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO XXXX, XXXX AND EQUIFAX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )
Product: Debt collection

XXXX XXXX XXXX trying to collect a debt that was charged off due Original Creditor Santander got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off
Product: Checking or savings account

Fraud occurred from a Sofi Bank account holder to me. Sofi Bank caught this issue and contacted me. Money was fraudulently wired from my account at XXXX to Sofi bank. I contacted them and it has been over 150 days and there is still no updated status after the initial discussion. Sofi bank requested a hold harmless letter from XXXX and that was sent to them on XX/XX/year>. XXXX then followed up on XX/XX/XXXX but still has not received any correspondence or funds back. A previous complaint was sent to SOFI bank through CFPB and Sofi asked for a hold harmless letter. THAT LETTER HAS BEEN PROVIDED. I do not know why SOFI bank told the CFPB that they are waiting for this letter. I am very upset and concerned that they lied or did not find the matter important enough to verify that they already had the hold harmless letter. it concerns me that SOFI bank is delaying any response. it has been over 60 days since I have heard anything from SOFI and over 150 days since the start of communication. One fraud specialist at SOFI sent a few e-mail up the chain of command, over 60 days ago, but I never heard from anyone else at SOFI. Please help me get some answers and resolution to this matter.
Product: Mortgage

On XX/XX/2020, my partner and I applied for a rate and term refinance on our owner occupied home with loandepot. As of today XX/XX/2020 ( 67 days later ) we have not received an approved or denied status of our application despite numerous requests. Here is a timeline : XX/XX/XXXX - Applied. 
XX/XX/XXXX - Charged {$490.00} for a home appraisal that has not taken place - I would like this refunded to my credit card immediately. 
XX/XX/XXXX - Charged {$20.00} for I don't know what, I assume a credit check? 
XX/XX/XXXX - In writing, loan depot attempted to cancel the loan citing that I did not wish to proceed with the loan. This is absolutely not correct and I clearly stated that verbally and in writing that day. At no time ever have I indicated not wanting to proceed with this loan. 
XXXX XXXX XXXX - Have asked for a status update ~8 times ( 5X verbally, 3X in writing ). Only one time was I given an answer which was that loan documents would be out no later than XX/XX/20, three days ago. 
XX/XX/XXXX - Submitting this cfpb complaint and disputing the {$490.00} charge with my credit card company. 
I would prefer all communication in writing going forward.
Product: Debt collection

Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother. 
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.