23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a mailer offer from AMERICAN EXPRESS for a PLATINUM BUSINESS card. I used the provided QR code to apply and was accepted. The offer was XXXX points if I spent {$20000.00} within 6 months of activation. 

I was later told by AMEX that the offer in their system was for 3 months. 

I uploaded all the original offer documentation which showed 6 months however they denied it as it was not recorded as such in their system and they refused to make amends. 

Customer service has flat out REFUSED to honor the 6 month promotion ... they state their system shows it was for 3 months only but will NOT provide any documentation/log of the information from when I did the sign up.
Product: Student loan

Fraudulent billing practices and pressured alternative payment plans by AIDVANTAGE : I am currently unemployed. I am on an income driven repayment plan based on no income. A renewal was sent and approved by the company via email. No further documentation was requested. They currently have me with XXXX payments of XXXX due, forcing me to use my own forbearance time and accrue interest. Meanwhile, they refuse to process the form and continue to act confused on why no one has processed the plan. They then tried to convince me that {$0.00} repayment is no longer allowed and I needed to switch my plan to the XXXX plan. When I called back to speak to another representative, she also suggested I should not be on income driven repayment plan anymore and needed to switch to the XXXX plan due to changes in government. The XXXX plan is an uncertain plan that will kick everyone back into repayment if not passed. They are trying to pressure my choice to an uncertain plan and insisting payment when I already made my decision and completed the necessary paperwork. They approved the paperwork via email XX/XX/year> and agreed to put into place XX/XX/year>. They have failed to follow through with the signed agreement, pressure me to change my plan with each call, ruining my credit by not putting the plan in place, and charging me for payments that I do not owe.
Product: Credit card or prepaid card

I, XXXX XXXX, did a refinance loan, which was partly debt consolidation. There was a title check issued and sent to Old Navy to pay the credit card almost completely off. The check was made for XXXX. The check has been cashed on XX/XX/XXXX, at a XXXX XXXX bank but wasnt credited to my account. I spoke with a customer service representative today, XX/XX/XXXX and she expressed that it would take XXXX to XXXX months for them to complete an investment within the company. 

Case number : XXXX Customer service : XXXX ID : XXXX
Product: Checking or savings account

On XX/XX/2022 I filed a dispute for a transaction of {$160.00} for a fraudulent charge. Cashapp issued me a provisional credit for the full amount and stated it would become permanent after 45 days. On XX/XX/2022 cashapp put my account- {$160.00}. On the 45th day the credit became permanent and they have now went back on a written agreement on the 49th day. I have the email stating that if they didnt resolve the dispute within the 45 days then it was permanent, and they in fact didnt resolve it on the 45th day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX is reporting a collection on a debt that is over 15 years old and was paid in full 15 years ago and has been sold from one debt collector to another for a {$150.00} balance. This information is far too old to be appearing on my report. I have never spoken to this new collection company in addition to the debt collection being fraudulent. The bill was paid and account closed over a decade ago. This is all a lie and it is illegally reporting on my credit profile. You can't just post XXXX like this on a credit report with no explanation regarding why XXXX thinks this is suddenly relevant to anything. I want this removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to follow up on my formal dispute regarding multiple fraudulent accounts on my credit report, as outlined in my previous correspondence. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft and Assumption Deterrence Act, I have notified all major credit bureaus, including Experian, TransUnion, and Equifax, of these fraudulent accounts and have formally requested their immediate removal. Despite this, appropriate action has yet to be taken. 

Accounts in Dispute 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 XXXXXX/XX/XXXX Reported Balance : {$2000.00} Credit Limit : {$1500.00} Status : Closed I have formally disputed these accounts with the credit bureaus, as required under the FCRA, and requested their removal. However, the bureaus have failed to take the necessary corrective action within the legally required timeframe. I request the CFPBs intervention to ensure full compliance with the FCRA and the immediate deletion of these accounts from my credit file. 

Concerns Regarding Data Breaches Additionally, I continue to receive reports of data breaches involving major credit bureaus and financial institutions, including Experian, TransUnion, and other related companies. These breaches raise serious concerns about the security of my personal and financial information, further underscoring the urgent need for corrective action. 


Thank you for your attention and prompt action.
Product: Debt collection

I ask the company to please removed this from my credit reports I ask for a sign contract they advised me that they can not give that to me.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violating my rights 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 XXXX
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes 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 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. 2025-CFPB-0002 ) 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: Checking or savings account

I made an online deposit for XXXX dollars and was told by the app that my funds would be available on XXXX XXXX. 

BOA has arbitrarily changed that date to XXXX XXXX. 

Despite the fact that I have been a - customer for XXXX  years - routinely move XXXX through my account- The check was from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - And they cashed a check less than XXXX weeks ago for twice that amount from the same company. 
- They acknowledged they would have the funds on the XXXX. So this is willfully playing the float. 

I am changing banks and suggest that no one do business with Bank of America.
Product: Debt collection

I have repeatedly asking this company to contact me at my place of employment. This was done in XXXX of XXXX, XXXX of XXXX, and today, XX/XX/XXXX. The gentleman, XXXX XXXX as he stated, who contacted me was very abusive and used threatening language during the call, yelling at me, and telling me to pay my bills, etc. Despite the numerous times I have asked the company to refrain from contacting me at work, they continue to call. I previously provided an alternate means of communication and they continue to contact me while at work, putting my job in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm in shock how poor attention the consumer report concerning me has gotten.

You are reporting inaccurate and/or incomplete/fraudulent information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Product: Mortgage

I requested my PMI be deleted on XX/XX/XXXX, after paying my mortgage down to the required LTV. Our initial request was denied for lack of an Automation Valuation Model, with Truist requiring we prove the homes value had not decreased. The denial letter dated XX/XX/XXXX stated we had to pay for a BPO ( {$190.00} ). We mailed the check and signed the required form, and mailed it to Truist on XX/XX/XXXX. Per Truist, they received the form and payment on XX/XX/XXXX. Upon receipt, and after calling Truist, Truist admitted that the BPO requirement was an error on their part, as BPOs are not permitted in West Virginia, and that they would pay for the difference between the {$190.00} BPO fee and the actual cost of the appraisal they were now requiring. On XX/XX/XXXX, we called Truist again, escalating the appraisal order. No callback was received from management or the Mortgage Insurance Department. On XX/XX/XXXX we called Truist, who stated they were returning the BPO fee check to us, and they were cancelling the PMI, effective XX/XX/XXXX. We requested a manager callback, as the PMI deletion request needs now be backdated. No callback has been receieved. Truist then withdrew another PMI premium payment from my escrow account on XX/XX/XXXX. I requested a refund of the unearned premium, and they denied it, stating " When you sent the funds for the appraisal, their website had been updated with a value for your home and your PMI removal was approved. You are required to pay PMI premiums until the month following PMI was removed. Since PMI premiums are paid in arrears you were charged for XXXX on XXXX and XXXX on XX/XX/XXXX. ''
Product: Credit card or prepaid card

I opened a store credit card XX/XX/XXXX with XXXX XXXX worth {$4900.00} through Wells Fargo. Wells Fargo closed my credit card without any notices or explanation. I have no documentation from the company as to why my account was closed. The company closed my account between XXXX and XX/XX/XXXX. I contacted the company XX/XX/XXXX to see why it was closed but they refused to give me any explanation. I didnt owe a balance. When I did have a balance I paid my bill on time ( sometimes ) early. They did offer they can file a dispute so that the account can be removed from my credit but has yet to do so. It has been months since I last spoken to that company and nothing was ever done. The closed account still remains on my credit. I will never get a credit card with Wells Fargo ever again. They are extremely unprofessional.
Product: Credit card or prepaid card

When reviewing my credit card statement, I noticed I had only received 3x rewards on travel when my credit card benefits entitle me to 5x for travel booked through their website. When I spoke to a representative, she said 3x are the base reward points and I'd have to wait 1-2 statement cycles to receive the remaining rewards. This is the first I've heard of this since opening my credit card in XXXX. Additionally, I receive 2x points on all other travel, therefore the explanation of " 3x being the base points '' didn't make sense to me. When I asked the representative if this was explained anywhere on the website, she said yes, but failed to direct me to its location. I reviewed the terms and conditions of my credit card benefits to no avail. If what the representative said is true, then I will wait for the following statement cycle to receive the additional points ; however, this practice of crediting partial points is misleading and is not clearly described on the website. 

I'm waiting for additional credit on the following purchases : XX/XX/XXXX - {$780.00} XX/XX/XXXX - {$230.00} XX/XX/XXXX - {$900.00}
Product: Mortgage

About XXXX or XXXX years ago I was struggling to make my mortgage payments. I contacted Chase to see if I can modify my loan somehow ; because I was struggling to make the full payment and if they can help me. At the time I was not in default yet when I asked for the help. They basically told me that I had to default before they can help me. Throughout that time I filled many Home Modification Loan Applications and they kept denying me. They told me that they were the servicer of the loan and the bank that owned my loan did not do modifications. I still kept applying since they told me to try again. Chase mentioned to me that according to their regulations I did qualify for a modification but since the bank that owned the loan said no that there was nothing they could do to help me. Still they kept asking me to file again. I also got in touch with a company named Defend Your Mortgage. They were going to investigate as to why I was not getting a modification. I paid them {$5000.00} and in the end said I had a good case and forwarded me to a lawyer to assist me. That lawyer asked me to pay him {$1700.00} a month ( which I paid for about 3 to 4 months ) so he can work on my case. After several months of paying this lawyer and nothing was done, I stopped paying him because he said I had to keep paying him and that it could take several months before anything happens. After about 2 or 3 years of applying for modifications with Chase I gave up. My house went into foreclosure in XXXX XXXX ; so I lost what I was fighting so much for. I think Defend Your Mortgage, the lawyer and Chase took me for a run around making me think they can help and they never did. I ended up losing money and my home. No today I get a letter from Chase saying that they made an error that could have extended my document collection period during my review of my application for mortgage assistance. They sent me a check for {$100.00} as compensation! They were apologizing for not providing me with the level of service they should have. Please contact me if you need further information.
Product: Student loan

I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. The amount refunded totaled to {$15000.00}. This refund was initiated and requested on XX/XX/XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6 months for my refund to go through.
Product: Debt collection

I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.
Product: Credit card or prepaid card

My complaint is about Capital One XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX. 

I have been waiting on a credit balance refund check since XXXX XX/XX/2023, and have not received it yet. It is now XXXX XX/XX/ 2023. My requests to transfer the funds electronically to my bank account have been rejected. My request to send the check to me via overnight service, and offering to pay for the service has been rejected. 

The details are as follows : On XXXX XX/XX/ 2023, {$10000.00} was transferred to my Capital One credit card, leaving me with a balance of {$9600.00} owed to me. The transfer came from XXXX. I called Capital One and was told the only way to remedy the situation was to call XXXX and ask them to reverse the funds. XXXX informed me that they would not do so, and my only recourse was to ask Capital One to send me the money. 

On XXXX XX/XX/2023, I called capital one to request the money. They said the only way to send it to me was by sending a physical check via USPS. When I asked to transfer the money to my account electronically, they said it was not possible. The customer representative stated, " It will take up to 10 days, and I have never seen it take that long ''. 

On XXXX XX/XX/2023, I had not received the check yet. I called Capital One and after verifying my mailing address, they said " it can take 10 business days ( even though it had already been 10 business days ). They again said they could not XXXX  or electronically transfer the money. '' The recommended I call back again. I asked to speak to the supervisor, who said she will look into it, and placed me on hold. The phone was disconnected after 1/2 hour. 

On XXXX XX/XX/ 2023, I called Capital One again. it has now been 17 business days ( and 25 calendar days ) since the money was taken out of my account ( XX/XX/XXXX ). The representative after " investigating '', told me that the check was cut on XX/XX/XXXX ( not XX/XX/XXXX, when the money was taken out of my account, as indicated on my statement ), and probably did not go out until XX/XX/XXXX, and it has been " ONLY '' 14 days, so they asked that I call back on Wednesday. She offered to call me herself on Wed XXXX of XXXX to see if the check is not there, and if not, they will put a stop payment and send me another check! Even at this time, they refused to put a stop payment on it immediately, and transfer the money to me electronically. 

According to the government webpage : https : //www.helpwithmybank.gov/help-topics/personal-auto-loans/personal-loans/loan-refund-credit-balance.html, the customer can " tell [ the credit company ] how they want the money to be transferred '', and the customer should get the money " within 7 days ''. The policies and practices of Capital One fall woefully short of this requirement.
Product: Credit reporting or other personal consumer reports

XXXX - XXXXXX/XX/XXXXXXXX While checking my credit report, I identified multiple fraudulent accounts. These accounts are preventing me from obtaining credit. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts from my credit report. I did not open these accounts and am not familiar with them. Please conduct a prompt investigation and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

This complaint regards experian i just checked my report with them today and they have my score lower then the other reporting agencies they have on there that it is because of two late payments and 1 collection that is untrue the collection account is correct and I have been paying on that every month the late payments they are showing is false i have not been late especially more then 30 days on any payment for XXXX and XXXX. i pay early and pay twice in most cases the one account on there they are still showing as me owing XXXX dollars which is kickoff when that has been paid since XX/XX/XXXX they are hurting peoples credit by not putting correct information on the report and putting false information instead i am very angry because i have been working hard to pay all these bills only to have them put false information on my report. I would like this information fixed. The other agencies are showing correct info they are the only ones who are not and this has been an ongoing issue
Product: Credit card

I need your help to investigate accounts reported by these companies with inaccurate late payment remarks. After reviewing my credit report, I noticed errors on certain accounts where no late payments should be reflected.
Product: Mortgage

Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!!
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS IN VIOLATION UNDER THE FCRA
Product: Credit card

I have attached everything that was sent in writing to them below in the attached documents
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 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 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

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter