23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began the process of applying for a home equity line of credit with Chase Bank on a condo residence in a building on ( XXXX ). After completing the pre-approval process and providing all the documentation requested by the lender, I was advised that I was preliminarily approved for a line of credit and that the property met their criteria for the loan product I was applying for. The lender immediately requested that I submit {$500.00} they deemed as good faith funds in order to proceed with the loan. I paid the {$500.00} on XX/XX/XXXX and continued to provide the requested documentation and maintain on-going updates on the progress of the loan. Shortly thereafter the lender indicated other residences in the same building had previously been declined for a loan due to the building not qualifying for the loan requirements. 

I attempted to reach out to my points of contact with the bank ( XX/XX/XXXX & XX/XX/XXXX ) to seek alternative measures to either progress the loan or obtain financing using another product but was not able to get a respond back once the underwriting department deemed the property not eligible for financing. I continued to seek a response ( on XX/XX/XXXX, XX/XX/XXXX & XXXX ) on how to resolve the problems and got no response. After some time I requested they return the good faith funds as they had determined that the property did not meet the requirements and that was not disclosed until after the fees were collected. Eventually the agent agreed to request a refund but failed to actually go through with the refund.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 we purchased a neon sign from XXXX for the amount of {$510.00}. On the next billing cycle we noticed an additional charge for the amount of {$260.00}. We then contacted the credit card company to dispute it. We were credited the {$260.00} in full. In XX/XX/XXXX we received a letter from Capital One stating that XXXX had submitted receipts showing that we made the purchase and the credit to our account was deducted a second time. The receipt is for a person with a billing and shipping address that we are unfamiliar with. I then called Capital One to resolve the issue and was told they needed me to send a letter stating my claim along with a copy of my credit card statement. With some resistance they emailed me a secure link to upload this information. The other company involved called us and asked us to drop the dispute telling us it would take 60 days for them to credit our account. We declined the offer expecting our credit card company could n't possibly charge us for something we obviously did n't purchase. Several weeks later we received another letter from Capital One saying we did not provide the requested information and they were considering our case closed.
Product: Checking or savings account

I attempted to open a checking account at B of A. I was told there was an issue and was given the XXXX information to order a report. When the report came - there was no reported information, no inquiries no retail info - nothing that would prohibit me from opening a checking account.
Product: Student loan

I applied for a payment plan with Mohela. They automatically enrolled me in the SAVE plan, to pay {$0.00} a month. Though I appreciate this opportunity. This is not what I asked for. In order to purchase a home, I can not have a {$0.00} student loan payment. I then applied for an IBR plan, to pay about {$170.00} a month. I was told that it would take about 2 weeks for approval. After 2 weeks, I called again and was told that it was processing, but could be denied because the SAVE plan was more beneficial for me. I explained the situation, she notated the account, and said that I should not have a problem. " By the end of this week, it will be approved. '' The Monday of the next week, I called and was told that, due to multiple accounts going into repayment, it will take longer than normal. By this time, I am crying on the phone. The seller of the home I wanted is getting impatient and my original closing date has passed. I was forwarded to a supervisor. The nice lady was sympathetic and asked me, " Did anyone give you the option of your application being expedited? '' I expressed that I asked, but was not given this option. She informed me that she would send an email, to expedite this request and noted the reason. She informed me that it will now take 2-3 days. I asked was this certain, as I needed to report to my realtor and seller. She was confident. Well, 3 days went by and my application was still processing. I then called and asked for a timeline/follow up and this representative was extremely rude. He stated, " You application can not be processed. We are not going to randomly chose your application out of thousands to expedite. I am furious to say the least! The seller has officially terminated my contract, due to failing to provide documentation from Mohela, according to the timelines Mohela has given me. I have lost money on appraisals, inspections, etc. I can not believe I lost this home, due to a piece of paper. I am hurt. I am clueless as to what I can do to simply get a payment plan. I have never experienced anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Company : Navy Federal Credit Union ( NFCU ) At the time we applied for XXXX XXXX XXXX XXXX card, appx. XX/XX/XXXX, we were eligible for a promotional balance transfer rate of 0 % for 12 months. When we received the card, appx. XX/XX/XXXX, we called to inquire about how to take advantage of the offer and were told to initiate the balance transfers online through our NFCU account and the promotional rate would be automatically applied. We were never told that the promotional rate was nearing expiration and were never notified the promo rate had expired when the balance transfers, in the amounts of {$12000.00} and {$10000.00} ( total {$23000.00} XXXX posted to the account appx XX/XX/XXXX. 
We did not discover until just a few days ago when I went online to schedule a payment, appx. XX/XX/XXXX that the promotional rate was never applied. I only noticed this when the balance seemed higher than it should have been. It took me several minutes to navigate their online system to find my statement, but when I did locate it, I saw there was no promo rate. When we called to inquire, we were told we had to submit a formal request/grievance for an exception, which after indicating it " probably wo n't be a problem to fix it, '' we were notified today, XX/XX/XXXX was denied. Their reasoning was 60 days have passed since our balance transfer was initiated so they were not honoring their offer. 
We feel this is unacceptable. We were not notified at the time we called to ask about how to take advantage of this offer that the offer had expired or was nearing expiration and thus followed the instructions we were given by NFCU staff. We were also told at the time we spoke to a representative that if we had any issues with the promo rate not applying automatically, to call and it would " be taken care of, '' which we did immediately. Then, after we were told it " probably wo n't be a problem to fix it, '' they denied our very reasonable request. 
We feel we have been essentially duped into paying HUNDREDS OF DOLLARS in interest and I have notified NFCU that I am submitting a formal complaint with the consumer financial protection bureau.
Product: Credit reporting or other personal consumer reports

I am asking for your help in investigating companies that have inaccurately reported late payments on my accounts. Upon reviewing my credit report, I found errors where certain accounts were marked as late, which is incorrect. No late payment remarks should be on these accounts.
Product: Credit card or prepaid card

The company is reporting late to my credit report however their app to make payments have been down/ not working for months. It does not allow you to change your banking information. The customer service phone number do not allow you to talk to a live representative and their email support never respond. There are numerous of other people going through the same issue.
Product: Credit card

RE : Cease and Desist Demand Regarding Account # XXXX Dear Sir/Madam, I am writing to formally request that you cease and desist all collection activities regarding the above-referenced account. As it shows a $ XXXX balance on my credit report and is negatively affecting my credit score as of XX/XX/year>. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all communication with me regarding this alleged debt. 

Please be advised that I dispute the validity of the debt you claim I owe. I am requesting no further contact, whether by telephone, mail, or any other form of communication, including calls to my place of employment, home, or to third parties. Any further contact from your agency may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states attorney generals office for violation of the FDCPA. 
Please take notice that I demand the following : 1. Immediate cessation of all communications regarding the collection of the alleged debt.

2. That you inform all third parties or affiliates working on this matter of my request for the cessation of all communications. 

This notice is effective upon your receipt of this letter. I request written confirmation that you have complied with my request within 30 days of the date of this letter. 

Failure to comply with this cease-and-desist request will leave me no choice but to pursue legal action to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

All of my credit card payments post within 3-5 days with the exception of XXXX XXXX which is issued by Synchrony Bank. The payments are always due on the XXXX of the month. 

In XXXX, I mailed a check for {$29.00} on XX/XX/XXXX. I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees, and my check did not post until XX/XX/XXXX. 

My XXXX payment of {$29.00} was mailed on XX/XX/XXXX. Once again, I had to make a {$29.00} online payment on XX/XX/XXXX to avoid late fees because my check had not posted. 

Synchrony Bank is STILL assessing the blame on the Covid-19 pandemic, which is RIDICULOUS!!!! If all of my other payments are being posted within 3-5 days, then Synchrony Bank has an internal problem that needs to be resolved.
Product: Payday loan, title loan, or personal loan

I the consumer applied XX/XX/2020 for a loan through Avant XXXX XXXX and was unlawfully denied after I filled out a application ( negotiable instrument ) with signature. I have taken all the necessary steps to ensure that my credit profile remains in good standing. Therefore, I believe that the adverse action taken against my application is in violation of the relevant regulations. I will attach my Adverse Action letter and proof of said violations.
Product: Credit reporting or other personal consumer reports

there is XXXX authorized inquires on my credit file and needs to be removed immediatly these are the following fraudulent inquires : XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX account XXXX XXXX XXXX needs to be removed
Product: Debt collection

I am dealing with this debt collector named " Merchants credit ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. 
So I called and asked if there is anything to do to remove this unknown debt from my report and the agent was very rude. He did not want to help with anything so I decided to report them here. I also asked for a supervisor to talk to but the representative cut me off the phone. This is very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.
Product: Debt collection

I am writing to request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act, I have the right to request this information. Please provide me with the following : The amount of the debt.

The name of the creditor to whom the debt is currently owed.

Verification of the debt, including a copy of the original agreement.

A detailed account statement reflecting the charges that led to the current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX. 
5. XXXX  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX
Product: Vehicle loan or lease

My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX  EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife 's credit report reflects totally wrong information. Her XXXX credit report shows that the last two years of her mortgage have been submitted late. 
This is totally incorrect, and she has kept the Certified Mail receipt/overnight mail delivery to prove this assetion. 
This wrong information has now cost her to be denied a {>= $1,000,000} EIDL Loan from the SBA. 
This Financing/Mortgage company has even acted in disregard of a Judge 's signed Court order
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Chase Ultimate Rewards to cancel a flight. I have NO option to cancel besides calling their customer service team. 

Upon calling, I was informed I needed to give them my full credit card number. This seems like an egregious policy. There is no other way to verify my account/m- something Ive

never encountered at any other bank. As a person who has had fraud issues in the past, it is something th
at I take major issue with.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.