23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America Account ending in XXXX Bank of America Claim number XXXX Dear CFPB, I am submitting a complaint againt Bank of America because they have incorrectly resolved a dispute without reviewing all the documentation I submitted to show that I paid for an XXXX XXXX XXXX using a Mileage Award from XXXX XXXX. 

XXXX charged my Bank of America Card {$220.00}, whereas, my credit card was only presented for proff of identity and payment of any incidental costs, if I had incurred them. XXXX also charged me for gasoline, yet I returned the vehicle with more gasoline in the tank than when it was rented to me. This is evident from the receipt from XXXX ( See attachement ). 

Bank of America did not do any RESEARCH and incorreclty allowed the charge of {$220.00} to be my responsibility despite my request to dispute this transaction twice. 

I WAS ABLE TO CONFIRM that I paid for the service to rent an XXXX XXXX XXXX using my mileage Award from the American Airline Advantage Award program, I redeemed XXXX points. Therefore, I am submitting the same documentation to CFBP that I submitted to Bank of America. 

Bank of America wrote to me the following : " Our research included the information you provided with your claim, your account history, and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : Were unable to confirm that you paid for the merchandise or service using another form of payment. We requested, but didn't receive, information showing what form of payment, other than your credit card, was used. 

Weve contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file. '' ABSOLUTLEY No comment should be on my credit report, and I want this removed.
Product: Debt collection

Citibank Home Depot responses To claims made are false. Action we have has resulted damage as payments not recieved late payments and interest payments are damaging to my good credit payment status with this company.

What they have done to me is threaten to report me to credit reporting agencies to hurt my good standing. Continue their abusive phone calls for collecting monies not owed to them because they failed to correct their failure to process payments recieved as in documents attached in this new complaint They know they have been in recite of Payments. Now a pending dispute is in process against Citibank for the monies They claim they did not recieve
Product: Vehicle loan or lease

To whom it may concern, I, XXXX XXXX XXXX opened a Santander loan in XX/XX/XXXX, at a time they were aggressively predatory lending. I was given an unreasonable APR. My credit score was misinterpreted and misrepresented. I have reached out to Santander about this issue, and they wont help me at all. 

Over their lifespan, Santander Consumer USA has violated COUNTLESS laws in the Fair Credit Reporting Act, as well as most other laws protecting consumer from predatory lenders and debt collectors. More and more lawsuits are coming each year. I'm surprised this company is still standing. They also admitted to Predatory Lending for all people who received a loan from them from XX/XX/XXXX XX/XX/XXXX. I got a loan from them XXXX of XXXX. At the time I was still learning about finances and different loan types and lender. They absolutely took advantage of my situation, gave me a sky-high rate and stated my credit score was XXXX points less than it actually was. Me not being familiar with these practices, I thought it was the norm. And this is exactly why this is unacceptable. 

On top of this being a loan constructed from Santanders predatory lending practices, the information on my report is also inaccurate. The information stated on all three credit reports dont match across the board. This loan is a violation all across the board. 

This account should have been deleted 2 years ago in XX/XX/XXXX, but Santander Consumer USA loves to prey on people ignorant to the things they profess in. Please have this account deleted immediately. This is very unfair for me to have to deal with this. I would also like to be repaid all the payments I made to Santander Consumer USA immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX. For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a Comenity Bank representative on behalf of XXXX  stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.
Product: Credit reporting

I had a Home Equity Mortgage Loan that originated XX/XX/XXXX, I was XXXX XX/XX/XXXX and Requested the SCRA Protection on my XXXX Account, it had a Adjustable Rate that was a 10.99 % APR at the time. The Account was closed a few months after I was on XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX and it was reported that my payments were delinquent several times to all of the credit reporting Agencies, and that I had stopped making the Payments in XXXX of XXXX, but that was because I had paid the XXXX account off in full. I continued to make payments on the other account until I had realized that I had made so many payments that had been said to be late, while I was XXXX that I had paid the account 8 months in advance. The account had been attached to my XXXX checking account, and was the over draft protection before it had been closed, but was still being withdrawn from after I closed my checking account. I 'm going to provided the XXXX account statements and the checking account statements since both of the accounts have been closed for over 5 years. The XXXX account has been reported as charged off in XXXX XXXX, but I was recently informed that a Certificate of Satisfaction was filed in the Deeds of Records Office XX/XX/XXXX for the XXXX Loan. I was never informed of this information by XXXX XXXX XXXX, but a Settlement Waiver was mailed to my old address dated XX/XX/XXXX, regarding the XXXX Mortgage account and it said it was in response to the XX/XX/XXXX Mortgage Settlement for SCRA Violations with the CFPB and the Department of Justice, which is news to me. I was XXXX from XX/XX/XXXX until XX/XX/XXXX on back to back XXXX, but my Clearance was Adjudicated while I was in XXXX and the XXXX account was one of great interest, since I had filed a law suit about the account and been providing documents to the Adjudicators for the past 10 years claiming to be a victim of the SCRA cases that had been settled, but my credit report had n't seemed to be effected. I have saved my documents for all of my accounts, but I had n't been contacted until recently.
Product: Student loan

We are requesting that the company drop the amount show on the balance. We will take further actions. Which involve sending it over lawyers. It is not my right account number or address on this Great Lakes Bill. We are asking for this balance to be closed account.
We Will also turn you in report violations on the company. If any more letters show up.
Take care, Best Regards XXXX XXXX.
Product: Credit reporting

None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite reporting my issue to Zelle, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I had learned in XXXX that a debt to XXXX  XXXX University, which I currently owe was being sent to collections, I called Windham Professionals the collections agency contracted by XXXX to attempt to negotiate the debt down to a level that I could afford, this was denied, the agent at the time told me that I had until XX/XX/2019 to pay before the debt was sent to the credit reporting bureaus. I informed the agent that I would pay the debt on their website before it was sent to collections, I also told him that XXXX could never call me again. 

On XX/XX/2019 at approximately XXXX XXXX PST I received a call from XXXX XXXX at XXXX, Mr. XXXX initially did not give me his full name or company name when asked. I informed Mr. XXXX that I was on the do not call list, to which he said 'it wasn't in the notes. ' I informed Mr. XXXX that I should be placed on the do not call list, that I didn't appreciate the way he was speaking to me, and that I wanted to talk to his supervisor, to which he refused, claiming supervisors were too busy, but that I could hold. Before I was placed on hold I asked for Mr. XXXX to spell his name and give me his license number, he would only give me his name, telling me that I didn't want to " go there. '' I called back to speak to the supervisor, the phone was answered and left off the hook.
Product: Debt collection

I sent Square police reports awhile back through email to a Square representatives who stated he would forward the information over to clear the balance owed. However it appears nothing had been resolved. My XXXX credit card was stolen and fraudulent used including unauthorized access to my square account after it was taken over by a criminal organization who tried to threaten me if I took any action against them. My information was then sold on the black market.
Product: Mortgage

Select Portfolio Servicing, Inc refuses to remove errant information from my mortgage statement. On XX/XX/2022, I made my payment for the mortgage statement due in XX/XX/2022. The late date is XX/XX/2022. Last week I asked a rep to remove the errant " past due payment '' from my statement. He replied their statement was printed XX/XX/2022 so it didn't account for the payment I made on XX/XX/2022. He said the statement could not be changed. On XX/XX/2022, I made the payment for the XXXX amount due. On XX/XX/2022, I called again in frustration and asked another rep XXXX XXXXXXXX XXXX to remove this errant information but he said he couldn't. Select Portfolio Servicing, Inc appears to be playing games in the new year because I have not experienced this from them before. Please compel them to remove the errant information from my mortgage statement. Thank you.
Product: Debt collection

First off, i financed the motorcycle and it got stolen a month later. Even after being stolen I always kept paying until XXXX when I stopped receiving my bill letters and when I called the creditor they said they didnt have any account under that social security number. Called again before I XXXX towards the end of XXXX and they said the same thing, I thought maybe they found the bike or it was like a COVID relief thing. When I came back from XXXX in XXXX i downloaded the XXXX app and few weeks later after that I got this notification of my credit dropping almost 100 points. I never got anything from anybody stating I was going into collections and nobody ever contacted me. I think its unfair that I tried to contact the creditor and they said didnt have an account with them and they just sent me to collections without trying to resolve this issue by avoiding this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions.

2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).

Under the FCRA, inaccurate or unverified information must be deleted from my consumer report. If you are unable to provide verifiable proof of this debt, I demand its immediate removal from all consumer reporting agencies to which you have reported it.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to file a formal dispute regarding an unauthorized XXXX credit card account that has been reported under my name as a co-signer. I was added as a co-signer on this account without my authorization. Since XXXX, I have attempted to obtain the original application from XXXX to verify any authorization, and XXXX has consistently failed to provide this document, stating that they do not have it. 

Given the absence of my authorization and XXXX  inability to produce the original application, I demand that this account be removed from my credit report immediately. This unauthorized addition has impacted my credit history, and I seek swift corrective action. 

Please find attached any supporting documentation related to my communications with XXXX regarding this dispute. I trust that the Consumer Financial Protection Bureau and relevant credit reporting agencies will assist in ensuring the integrity and accuracy of my credit report by promptly removing this unauthorized account. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of starting a new company and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper XXXX is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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
Product: Debt collection

My mother has XXXX, had a XXXX XXXX XXXX XXXX approach in the evening while she was by herself and sundowning and convince her to purchase security items for the house which were already in place under a previous XXXX contract. They did not furnish her with a contract or with any means of contacting the company later on. XXXX XXXX later refused to cancel the service. 

Berman and Rabin is attempting to collect {$2200.00} despite the paperwork they themselves sent to prove the debt stating that there is a balance due of {$1900.00} and my mother having paid {$1300.00}.
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX first of all it started about two years ago i applied for a XXXX XXXX card I recieved it well let me put it this was it came to the address XXXX XXXX XXXX XXXX # XXXX I was a roommate with XXXX XXXX I used his computer to login my EDD claim and I didnt deleat my information off his computer and he sold my information and he reported my XXXX XXXX credit card lost so they sent a replacement card out while i had my card in my wallet so i didnt know that the card in my wallet was cancelled cause i only used it when i need it their were bank accounts morages car loans property cermercial I never been the kind of person who keep up with my credit score because when time got tight i would write a check and i knew that i didnt have the funds to cover it when i try to open an account at diffrent banks they would say that i ready have an account and then they would make up so excuess about something to throw me off
Product: Checking or savings account

On XX/XX/2023 I deposited {$3000.00} cash into my Chase branch atm. The atm said that it could accept XXXX bills. I put into the atm slot XXXX {$20.00} bills. After it took my money it printed out a receipt without the amount of money I put in and it just said please call chase if you do not see the funds in your account. I immediately called and filed a claim because the funds never went I to my account, now its XX/XX/XXXX they are still giving me the run around about my money and they have told me that it was about 14 error messages with the same atm that I used but still havent credited me or given me any of my money back.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I trust this message finds you well. I am writing on my behalf to address a recent 30-day late payment entry on my credit report, specifically from XXXX XXXX XXXX 

* Proven Financial Responsibility : * Throughout my credit history, I have consistently demonstrated responsible financial behavior, maintaining a strong track record of timely payments. The recent oversight is an anomaly and not indicative of my usual financial habits. 
* Challenges Due to Loan Company Practices : * The late payment was exacerbated by challenges stemming from the practices of XXXX XXXX, such as a. Not reinstating my autopay when I called in on XX/XX/XXXX and b. Prior to calling in on the XXXX - XXXX XXXX had a bug on their website where customers were unable to make payments. This bug lasted a few days and led to me wanting to utilize auto pay in order to say current. These external factors contributed to the delay in my payment, despite my ongoing commitment to meeting financial obligations promptly. 
* Consistent Positive Payment History : * Over the years, I have maintained a commendable payment history with XXXX XXXX underscoring my commitment to fulfilling my financial responsibilities. This isolated incident does not align with my established pattern of responsible credit management or XXXX XXXX and Is outstanding relationship. 

Considering my overall creditworthiness and the external challenges posed by XXXX XXXX procedures, I kindly request the removal of the XXXX late payment entry from my credit report. Doing so would ensure a fair and accurate representation of my true creditworthiness and financial responsibility. 

I appreciate your attention to this matter and thank you for considering the circumstances surrounding this isolated incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nothing happened because I can not contact either XXXX or EXPERIAN via their internet or phone systems. This is irritating beyond belief which is why I am complaining. 

I am XXXX XXXX XXXX and over the years bought XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and paid them all on time. At 1 point in history my credit score was high XXXX (? ). 

So fine. I saw news articles about " freezing '' credit and I was able to do this successfully at all 3 bureaus XXXX experian & XXXX I did this 5-10 years ago (? ) and lost whatever passwords and pins needed to communicate with XXXX experian XXXX XXXX because I was never planning to buy anything big again. 

I was able to successfully communicate with XXXX and temporarily lift my credit freeze. I was able to successfully communicate my identification information to XXXX and successfully access my account there. 

I had a XXXX XXXX XXXX and drove over some yellow ridges in center of road. This bump destroyed the transmission on my car and the dealer wants {$8500.00} to fix. Nope the car is only worth {$7000.00} used. So now I need a new car and the car dealers can not access my credit lines because XXXX and EXPERIAN have my accounts frozen and I can not communicate with these people anyway I have tried both internet and phone calls repeatedly.