23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a credit card solicitation from Bank of America in the mail to transfer high interest CC debt onto a Bank of America CC offering 0 % interest for two years with a 3 % balance transfer fee. I filled out the provided application in the BOA website that I was directed to in the solicitation and entered all the information asked for along with the {$8000.00} dollar amount of credit I needed to pay off the high interest card. I was expecting to be either approved for that whole $ XXXX amount or disapproved entirely. I immediately received an approval but for only XXXX % of the amount of the balance transfer I was asking to be credited. I was going to close the other high interest rate card if I was approved to eliminate the number of CC 's I have to better my Credit Score so that I could consolidate existing CC debt in a low interest personal or heloc loan. Instead, now I have an unwanted CC that I paid {$75.00} for, ( 3 % of balance ) which lowered my credit score XXXX to XXXX points. There was no disclosure to warn me that if I applied and was n't approved for the entire requested amount that I would be approved and given a CC for a lesser amount. This is a bait and switch unfair practice and I would like to know what my options are to rectify the damage that was done to my credit score.
Product: Debt collection

Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX  XXXX  XXXX  should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University  XXXX XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX- XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, CFPB. I am writing because I am looking for the best way to solve this issue. TransUnion is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1. XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. 
Balance {$1600.00}. Limit {$1300.00}. 2. XXXX XXXX XXXX. Opened XX/XX/XXXX. Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. 
Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. Please send the attache letter to TransUnion. Thank you.
Product: Vehicle loan or lease

I leased a XXXX  XXXX XXXX ( VIN # XXXX ) vehicle from Kia Finance. Lease ended on XXXX. We issued a check and bought the lease vehicle for {$17000.00}. We received the title and bill of sale in late XXXX. NJ the sales tax is 6.625 %. 

The Bill of Sale and Title does not reflect the sales tax paid by me. It indicates {$0.00} sales tax paid when in fact {$1000.00} sales tax was paid per their payment history documents. This amount is exactly 6.625 % of the purchase price. 

Purchase price = {$15000.00} Sales tax collected = {$1000.00} Other fees collected = {$320.00} Check Total = {$17000.00} I contacted Kia Finance on XXXX and reported the issue. I reviewed the issue and reviewed the numbers and they confirmed the amount collected for sales tax. They stated that the bill of sale will be updated to reflect the amount collected. They stated that the title can not be re-issued. They stated it would take 3 weeks for the document to be approved and mailed out. 

I called Kia Finance on XXXX since I had not received a corrected Bill of Sale or Title. The agents informed me the request was denied internally but no reason was given. I escalated to a manager at the call center since my car registration was expiring XXXX. He indicated that he has escalated the request and that I should receive the corrected documents by the end of the week. Documents will be emailed. No documents were received and my car registration has expired. The call center continuously drops my calls and I have not been able to resolve the matter and Kia has not reached out to me to provide an update. I need to register my vehicle and will need to rightfully reflect that sales tax has been collected by Kia Finance.

I will be including the following : Payment history- which documents the sales tax collected.

Check Image Kia Letters dated XXXX and XXXX Kia Title - indicates no sales tax collected on the tax stamp and on the back of the document Bill of Sale - indicates no sales tax collected Kia Paid in Full Document Kia Motors Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX
Product: Mortgage

I received a notice of an escrow shortage of {$350.00} based on review in XX/XX/XXXX. This shortage would only happen if taxes of {$4000.00} were paid in XX/XX/XXXX, rather than in XX/XX/XXXX ( the due date for the taxes is XX/XX/18 ). If Wells Fargo allows my XX/XX/XXXX escrow payment to arrive in my account prior to paying taxes, there will no longer be a shortfall. I spoke with several Wells Fargo reps on XX/XX/18. At first, they tried to argue with me about the due date ( the website for XXXX County clearly shows the due date for taxes is XX/XX/18 ). Then there was a subtle threat that if Wells Fargo waited until XX/XX/XXXX to pay the taxes, they might not get there on time and I would be charged a penalty. I expressed my full confidence that Wells Fargo is capable of getting a tax payment to the county on time between XX/XX/18 and the required postmark date of XX/XX/18. Finally my inquiry was forwarded to corporate. I received a letter dated XX/XX/18 from XXXX XXXX stating that the tax payment for the property would not be made until XX/XX/XXXX, but did not mention adjusting my PITI mortgage payment to no longer collect the shortfall. My XX/XX/XXXX statement is billing me for a total to include a payment toward the shortfall. I called again on XX/XX/18 to request that the payment be adjusted to not collect to cover the now non-existent shortfall. I did not hear back from Wells Fargo by the time of the promised resolution date of XX/XX/18. I called on XX/XX/18 and was informed that I had been sent a letter denying my request to have the payment amount adjusted, but that I can later request a refund. The representative stated that this is because another escrow analysis is not scheduled to be performed immediately. I am asking that Wells Fargo perform the escrow analysis and adjust my payment due to lower it by the amount being charged to cover the now non-existent projected shortfall.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX approximately I made and recorded several calls attempting to resolve a technical issue accessing my account. Sofi has one phone number to use for any interactions. No email, no building to go to. I used my bosses phone at work to call them. I was hung up on 4 times and given various answers and suggestions. I was told I could use another phone to verify my account, I was told I could download an app to verify my account, I was told I could send shoots of myself and my drivers license to them, but I was refused to use my email to verify my account. I finally spoke to a manager who denied all the suggestions made to me with the previous representatives and kept talking over me and not trying to resolve the issue. I have this recorded. He hung up on me. I am homeless and unable to pay for phone service. I use the library for services via WiFi and Im unable to receive the necessary text from Sofi to verify my account. If I cant access my account I cant pay my bill. I havent eaten in 2 days. My work deposited my check yesterday and my account reads XXXX at the atm. Sofi is unwilling to resolve my issue and have left the only resolution as to wait a very long time with inactivity on my account and they will mail a check to me. The address they insist to keep on file is an address I am no longer at due to being homeless. I changed my address to general delivery XXXXXXXX XXXX ca XXXX where I get my mail but they did not acknowledge that address. They have decided they will keep my money without allowing me access and there is nothing I can do about.
Product: Bank account or service

On XXXX XXXX, 2016 I have disputed Citi Bank 's response which never addressed customer 's complaint at all. It 's absolutely NOT possible to continue my banking experience with such type of bank who has numerous prohibited banking practice. I am asking this bank to provide me their CEO 's name and address, so I can take court action against this bank who took my savings away. Due to the different issues I complained about ( see attached evidence ) I am asking this bank to pay all my losses : promotional bonus at least {$900.00}, thank you points XXXX, my own money losses {$280.00} due to illegal charge for XXXX balance account to be closed, refuse to close the accounts when customer asked this bank 3 times via secured messages, fail to provide any notice regarding monthly service charge, mistreatment suffering, fraudulent account opening, miserable branch experience, calling customer for unwanted product, intentional harassment, calling customer from fraud department when no fraud happened, etc. in the past 8 months, customer is asking this bank to pay XXXX pain, suffering due to the above accused banking practice. Customer further ask this bank to pay all owed debts so I can end this miserable banking experience immediately. I have account with NO monthly fee charge, why do I have to bank with CITI to lose money {$280.00}.
Product: Credit reporting or other personal consumer reports

My credit was used by an identity thief. They used my credit to open fraudulent accounts in my name, here is the list of companies. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc and cfpb
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) Dear XXXX, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information. 
The specific item ( XXXX ) in question are : Bank OF America Account XXXX  XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Citizens Bank allowed my account to be over drafted despite the fact that I did not " opt-in '' for the over draft coverage. I called Citizens Bank to ask why and they said that the type of the account I have automatically " opts-in '' account holders for the overdraft coverage and there is no ability to change that. Since my account was originally opened with XXXX XXXX  and then transferred to Citizens Bank, I had no ability to choose what type of account I was transferred into. Citizens Bank should not have transferred customers from XXXXXXXX XXXX  into an account type that automatically enrolled them in overdraft coverage without their consent. Additionally, it took Citizens Bank 1 month to send me a letter informing me my account had been over drafted. It should not have taken that long. Due the aforementioned issues, I would like to be refunded for all of the overdraft fees I have been charged.
Product: Student loan

On XX/XX/XXXX I called PHEAA/FedLoan Servicing to inquire about how many qualifying payments I have made toward the loan forgiveness program as I have three different repayment end dates. I have four loans that qualify for the program, I started repayment on these loans at the same time since I only receive on bill through FedLoan and it is always paid in full, and sometimes even additional payments are made. On XX/XX/XXXX I spoke with XXXX ID # XXXX who informed me that she would put my loans in for review. When asked how long that would take she told me 6 months. While I thought that seemed excessive, I said ok. It was not until Saturday, XX/XX/XXXX XXXX one year and five months later ) that I received a letter from FedLoan servicing with a " breakdown '' of qualifying payments. This breakdown still did not tell my why I have different repayment periods so on Tuesday, XX/XX/XXXX I called FedLoan again to ask for a reason why the repayment periods were different. I first spoke with a woman I believe by the name XXXX but her ID # is XXXX. She was unable to help me so I was transferred to XXXX ID # XXXX. XXXX began counting the payments made on each loan, and when the numbers did not match what I had I questioned it. XXXX told me " let him finish and this call will end faster. '' I told him no, I am going to follow along with him and question why they do not add up. In one instance, XXXX said that there was " no bill for XX/XX/XXXX and you only paid {$39.00} of the $ 40-something dollars due. '' I pulled up my payments for that loan for XX/XX/XXXX and XXXX. On XX/XX/XXXX I paid {$46.00} and on XX/XX/XXXX I paid {$51.00}. XXXX could not answer as why there was a discrepancy and just kept saying he would put it in for review. I asked him how long that would take since I waited a year and a half for this response. He told me " case reviews take a long time and there is no time frame for when FedLoan will get back to me. '' I have had trouble getting responses from FedLoan on various issues since 2017 and for that reason I document every phone call. It should not take over one year just to get a response to a question.
Product: Money transfer, virtual currency, or money service

I submitted a complaint over the phone with a live agent from the cfpb on XXXX regarding my XXXX money business account. The complaint was not inputted correctly and XXXX denied they are the company the complaint is about. I am attempting to fix the previous complaint # XXXX. I am filing this complaint because I this is the XXXX time I received a large payment from my customer and XXXX  chose to hold the money from me for XXXX  days. XXXX took their fee out of the transaction immediately. This held up production on the job and when the money was finally released they closed my business card stating I claimed it was lost or stolen. I never made such a claim. In fact, I specifically instructed the XXXX representative, XXXX, on XXXX not to close my account. She closed it anyhow and said I needed to wait XXXX days until I received a new card in the mail. The card is the only access I have to my business funds and my business has been on hold for over XXXX weeks. I asked if they could expedite it to me and was told no. They closed a previous card of mine out after receiving a large deposit and did allow it to be expedited, but made me a pay a fee. I received a letter from XXXX XXXX  ( XXXX ) in the mail XXXX  days later on XXXX asking me to provide details of the disputed transaction ( there was not a disputed transaction! ) I can't understand how they can send this bogus letter out but not my card. I called to check the status the status of my card on XXXX and was told they had no record of a new one being shipped. They hung up on me. I called on XXXX and was told it was processed on XXXX but they could not provide a shipping carrier or tracking number. The same story was given to me each day since and I am also told there are no managers that work there. Each call ended with XXXX hanging up on me. Their customer service is degrading and I am ashamed and embarrassed to tell my clients I am using XXXX  at this point. XXXX different reps said my card would arrive today or tomorrow, but I have many doubts. I have not been able to pay utilities, rent, suppliers, or do anything for that matter. All the reviews I have read state that XXXX has taken their money after closing their account and left them with no recourse. I am petrified and their bad faith business practices are simply unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that have been Re-aged. XXXX, Transunion or XXXX  will not Delete the accounts even though I have submitted previous reports showing account been re-aged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of  XXXX  but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was heartbroken when i checked my credit reports and saw that i have a late payment being reported on my credit its been a struggle for me since COVID i lost my job and with the COVID act no company is supposed to report any late payments to the credit bureaus so you are in violation please remove all my late payments i am trying my best to get back on my feet
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.