23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When we were applying for a mortgage, we were approved up to $  XXXX  by Bank of America . We found a house that was only   XXXX   and our Mortgage Banker at Bank of America guaranteed us they would issue a HELOC of  XXXX  after we moved in. They have now come back and reneged on the deal we ha leaving us with a house that needs 150K in work. In effect, they left us stuck in a mess due to their dishonesty..
Product: Credit card

Capital One has committed fraud due to false advertising. 
They say the have comparative annual percentage rates, but that is simply not the case! 
XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.
Product: Consumer Loan

On XXXX XXXX of XXXX, I filed chapter XXXX Bankruptcy. In the XXXX XXXX ... I notified all my creditors, including SECURITY FINANACE ... .located in XXXX , GA. But for some reason they continue to call me and harass me, not only on my account. But XXXX others accounts of individuals .... who I had referred to this institution .... Things had gotten so bad that I had to file a complaint against the branch manager of this location .... ON Tuesday XXXX XXXX, XXXX, cause she ( Branch Mgr ) had called me on Monday the XXXX of XXXX .... Demanding that I come into her office and make a payment on someone else 's account ... .. I only know her by the name of XXXX, but her illegally debt collecting practicing have reach its limitation with me .... The individual, few months ago, gave me copy of another individual credit report that she had ran ... ..
Product: Credit card

I was made aware of a promotional financing offer that enticed and induced me into making large purchases that have now resulted in a maxed-out credit card which has caused my credit score to drop over 100 points, my debt to income to become excessive making it now impossible to pay off or refinance this card with another loan. I believe this was unfair, deceptive and abusive in nature, as the promotion clearly indicates that " any purchases made until XX/XX/XXXX, were outside of Macys and at-least {$540.00}, would be given a 12-month 0 % interest period. I spent {$16000.00} within this timeframe to take advantage of the offer. The card was previously paid-off. After a month, I noticed I was being charged interest at a rate of 31.99 % and called and was told " sorry you didn't click the activate offer button ''. I then spoke to an employee who informed me that he would escalate my concern on XX/XX/XXXX and that the request was approved, and I just needed to wait for the back-end team to make the adjustment, and credit back all of the interest within 2-3 billing cycles. In XXXX nothing happened, I called and was told the employee was incorrect in XXXX and that the request was declined because I didn't click the " activate offer button '', they then told me to write a letter, indicating my purchase amounts and dates and a color copy of the promotional terms email. I did this via Certified mail and they never replied to me. I called back and was told again " you didn't click the activate offer button ''. I met every other term of the offer and am being denied due to a technicality. This was unclear and confusing and unfair to me. I want this to be resolved. They also are telling me that " I was not targeted for this offer '' which is disparate treatment and also illegal. Why would other cardholders, with the same account type, be solicited advantageous terms whereas another group of people, who otherwise also credit-qualify, are not also afforded the same advantageous terms during the same time-period? Such an argument raises concerns of red-lining and giving unfair and unequal treatment to people, that is based on what? I was asked to mail the following information, which I did as requested and never got a response or escalated further by the bank either. They also now tell me, it is not possible for me to speak to anyone else higher up in the bank which is also illegal and unfair. 

Macys Amex address for letter to escalate complaint : ATTN : Macys American Express Amex Offer XXXX XXXX XXXX XXXX XXXX SD XXXX {$2500.00} XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX XXXX XXXXXX/XX/XXXX {$4100.00} XXXX XXXX XXXXXX/XX/XXXX {$510.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$770.00} XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXXXX/XX/XXXX {$640.00} XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

I can not get a credit report from this company. They have a lot of false information on my credit report. I also put a freeze on my credit report and they still send it to lenders. 

They keep incorrect information on your credit report to keep your rates higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the Attention of the Privacy Department XXXX Data To the Attention of the Privacy Department / Data Protection Officer / Legal Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ), I am writing to request that you delete my personal data including but not limited to : phone number XXXX and XXXX from all of your paper and/or computer records pursuant to Section 1798.105 of the California Consumer Privacy Act ( CCPA ). 

To the extent that you rely on consent to process my personal data, I withdraw that consent. To the extent that you rely on your 'legitimate interest ' to process my personal data, I object to the processing as there are no overriding legitimate grounds. 

If you are selling my personal data to third parties, please consider this email as my direction to you not to sell my personal data to third parties. 

DO NOT ask me to perform a self-service process such as locating my information on your website, filling out a form, or providing a mobile advertising ID. These requests place an undue burden on my side. 

Use the following information to identify me in your records : Verisk Analytics is providing inaccurate information to consumer reporting agencies via XXXX XXXX XXXX and possibly other companies. I have tried calling and opting out multiple times and still have NEVER received a confirmation email and the company is now ignoring my calls and requests. 

Delete my data from Verisk Analytics, XXXX XXXX XXXX XXXX, database immediately. 

If you are not able to comply with my request to delete all of my personal data, please advise as to the specific reason for which this request can not be acted on. Please advise which sections and subsections of the law you are relying upon, and identify the specific reason for which you are relying on those exceptions, such as which legal obligation, or internal purpose or use. Please delete all my personal data which does not fall under these exceptions. 

This email message was sent from my personal email account ( as you can see in the email headers ). Please use this fact to verify my identity. Please do not ask me to provide any further identifying information, as this places an undue burden on my side. If you are legally obligated to require additional identifying information in order to verify my identity, please let me know as soon as possible. 

As a data furnisher you a bound by the FCRA. The opt-out process is not working. I have called and emailed multiple times and received no response. 

My preferred method of contact is email. 

NOTE : I do not consent to any personal data which is part of this request to be used for any purpose other than fulfilling this request, except in the case of a suppression list, which you may keep in order to ensure that you do not collect any of my personal data in the future. 

Please note that you have between 30-45 days to comply with this request.
Product: Student loan

A student loan obtained by myself in XX/XX/XXXX for a total of {$9000.00} was discharged through bankruptcy in XX/XX/XXXX. Authorized by a federal court and signed by a federal judge. During that period some loan relief was either granted or not granted. My relief was approved. Many years later I was contacted by DOE and told that the judge did not indicate in my BK that a specific hardship would occur without the relief granted. Therefore the judge had no authority to grant my relief. My loan more than quadrupled because of this and I have been paying this balance since the XX/XX/XXXX 's. The loan has been sold to numerous companies over the years and all continue to force one into the consolidation trap. The loan has been paid down from {$37000.00}. 00 to {$18000.00} presently. This should never have happened. Even if my BK was not correct which is nonsensical, I should not have had the burden of paying accrued interest and penalties when my correct legal documents were being rejected. In addition, my loan is well over the 25 year threshold for student loans. I also became a certified XXXX XXXX years which should have been enough to be granted loan forgiveness but I was told that my loan was too old. At no time should I have been made to pay for mistakes made by any judicial entity. Whether or not it was the federal courts or the DOE. None of this was my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : I called Transunion 2 times to make a fraud alert, but never received any kind of confirmation letter or post card. 

I called Transunion on XX/XX/2022 and made a fraud alert via their automated phone menu. I did not receive a letter nor a post card of confirmation of a fraud alert. 

I called Transunion again on XX/XX/2022 and made a fraud alert via their automated phone menu. Their phone system made no mention of a fraud alert being already in place. 
It is now XX/XX/2022, and I still have not received a letter nor post card of confirmation of a fraud alert. 
I don't even recall the phone system, giving me a confirmation number for any of my calls
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am a victim of identity theft and someone used my personal information to obtain this account in my name without my permission. 

I recently discovered this fraudulent account on my XXXX and XXXX credit report. I am requesting for this fraudulent account to be deleted and removed immediately because it does not belong to me. 

I did not benefit from any goods or services from this fraudulent account. I have attached a copy of my police report and FTC report.
Product: Checking or savings account

On XX/XX/2020, I simply asked about a few checks on hold and when they would be released. In return, I was asked why doesnt your relatives have the same last name as you? why do you have so many relatives? Why dont you come into the bank with your so called relatives and show the bank that you really have that many relatives? Indeed, I came from a big family, a loving family that would lend me help whenever I needed it. I am proud of my last name, so does every other XXXX, we do not simply change our last name due to marriage. What did I get in return for pointing out racism to XXXX? XXXX suspended and terminated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a loan with loan care # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now loan care reported to XXXX  my credit agency that i am delinquent 60 days XXXX  have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and XXXX  told me laon care reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA S 605B ( 15 U.S.C. S 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX of 2023 I disputed several accounts through the Experian app. Within a day all disputed accounts came back updated and verified with no reason as to how they came to that rapid conclusion. I believe they took no real action in verifying anything. 

XXXX had numerous data breaches. Ive found my personal information on the dark web.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unverifiable accounts currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a reasonable reinvestigation of disputed accounts within 30 days. However, due to the recent legal actions and settlements against XXXX and XXXX for their failure to uphold compliance with federal law, I demand immediate removal of the following accounts within five ( 5 ) days of receiving this notice. 

Disputed Accounts : [ List the account names, account numbers ( last four digits ), and creditor names ] XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX JPMCB CARD SERVICES, XXXX XXXX XXXX XXXX, 1000 According to 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The accounts listed above are inaccurate, outdated, and/or unverifiable, violating your obligations under the law. If these accounts can not be independently verified with legally admissible documentation from the original creditor, you are required to delete them immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

Furthermore, in light of recent legal settlements involving XXXX and XXXX, it has been established that both bureaus have engaged in unlawful reporting practices, misrepresentation of data accuracy, and failure to properly investigate disputes. This has resulted in legal consequences, including mandated corrections and account deletions for affected consumers. 

Given this precedent and my rights under the FCRA, I am demanding the permanent deletion of the disputed accounts within 5 days of receiving this letter. If these accounts are not removed within this timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for willful non-compliance under FCRA 1681n. 

Please send me written confirmation of the deletion of these accounts within 5 days. Failure to comply with this request will result in further legal action against your agency for violating my rights under federal law. 

I expect your immediate compliance and look forward to receiving confirmation of the removals.
Product: Checking or savings account

Bank of America employees placed my new account # on the XXXX and proceeded to charge on my account over thousands of dollars, which the FDIC and the taxpapaer have to pay. They refused on numerous occasions to give me a new account number, claiming the charges were made by debit. I possess over 40 debit cards from the reissue after thefts-fraud. In XX/XX/2022, I changed branches to see if the new number would stop the stealing, after XXXX XXXX notified me of the account and my name appearing in the XXXX. Bank of America did nothing, and has done nothing to investigate why so many thousands of dollars were stolen, and why they did not try to resolve the problem.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Debt collection

I received my first notice from this agency on XX/XX/2020 and was told I would have 30 days to dispute the charges. I sent the company a letter disputing the charges, as instructed, via USPS with tracking information that shows it arrived Monday, XX/XX/2020. I have heard nothing from the company regarding my letter. However, a follow-up letter arrived on the XXXX saying the disputed debt has begun to collect interest. 

When I called company at XXXX that same day, their agent informed me that they have not been notified about my letter and that my credit would be affected if I did not pay. He also informed me that the debt would continue to accrue interest as I wait to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Capital Bank/XXXX is reporting a late payment for the month of XX/XX/XXXX. I have tried to ask them to remove it because I did not receive my statement that month regularly during a move I made in XX/XX/XXXX from XXXX to XXXX XXXX.. Recently, when I called the bank and asked to put in a dispute for the incorrect reporting of the late month, they said I would need to mail them this information. This is the first time I 've been ask to mail in a request to dispute, which is why I am notifying CFPB in hopes they can help me submit this request electronically. I am trying to apply for a home mortgage and want to make sure that all my creditors are reporting accurately as my score greatly depends on that information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Detailed Breakdown of Updates Made to Account [ XXXXXXXX XXXX XXXX XXXXXXXX ] Dear TransUnion Dispute Department, I recently submitted a dispute regarding the account referenced above. In response to my complaint, I was informed that the account had been updated. However, the response did not provide details on what specific changes were made to the account information. 

To better understand the resolution, I am requesting a detailed breakdown of the updates made, including but not limited to : 1. Changes to the reported balance.

2. Adjustments to the payment history.

3. Updates to the account status ( e.g., disputed by consumer, closed, or any other changes ).

4. Any corrections or modifications to the remarks or comments section of the account. 

Please provide a detailed explanation of the updates, along with supporting documentation, if applicable. If the updates were insufficient to address the inaccuracies outlined in my original dispute, I request further investigation and corrective action. 

I look forward to receiving a response within 15 days as required by the Fair Credit Reporting Act ( FCRA ). Please send your response to the address above or via email at XXXX Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

XX/XX/2023 I had a {$200.00} unauthorized charged on my chase checking, withdrawal by a ATM. I made a dispute with my bank that same day. They told me the charge would be crediting {$200.00} back into my checking until the investigation is completed. XX/XX/2023 they did a claim reversal atm withdraw in the amount of {$200.00}. Claiming We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$200.00} from your account on or after XX/XX/2023 Which is very dishonoring and disappointing because this ATM withdraw was certainly not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

I tried to contact this company and was not able to file an appropriate complaint
Product: Debt collection

XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes twice in XXXX month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices.