23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A purchase made on my Best Buy Visa card on XX/XX/XXXX totaling {$1800.00} should have had a 0 % 18 month interest promotion applied to it based on my selection of the promotion at point of sale. 

This evidently did not happen, and I was charged interest since the date of purchase. Citi does not currently have statements available to me dating back to the date of purchase, but undue interest charges since XXXX of XXXX total {$350.00}, and I will be requesting and following up with the full amount. 

I noticed this issue when changing payment methods today. I immediately called in to customer support today, XX/XX/XXXX, informing them of the mistake and asking what could be done to correct it. I was provided contradicting information that issues needed to be brought to their attention within either 60 or 90 days of purchase to have the promotion applied, and that there was absolutely nothing that could be done at this point. I escalated the issue through three layers of management, and the only solution offered was that if I paid off the outstanding amount today, I could be given a courtesy adjustment of the last month 's interest charges ( ~ {$16.00} ). 

While I understand that this information was available on statements via the web portal, I can not believe that there is nothing a major credit card company can do to correct their own systems issue after the fact. I was never emailed a full statement, and actually had to call citi tech support to even access my account, as they had systems issues with an old best buy credit card that was closed due to inactivity conflicting with my login information for this account. I currently have no way of even confirming that the promotion wasn't applied and then removed, as Citi does not provide access to statements dating back to the time of purchase.
Product: Credit reporting or other personal consumer reports

Hello and good day! I am filing a formal complaint against Bank of America for their ongoing reporting of inaccurate information on my credit report. Despite numerous attempts to dispute this account ( Account Number : XXXX ), they have failed to correct or remove the errors. This incorrect reporting is significantly damaging my credit score and presenting false and misleading information to potential lenders, which could affect my financial opportunities. I have repeatedly reached out to both Bank of America and the credit bureaus to address this issue, but no resolution has been provided. This lack of action has left me with no choice but to escalate the matter.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

There is currently a pending charge in the amount of {$100.00} showing XXXX as the business that made this charge on XX/XX/2022. However, shows no record of ever requesting this amount. Their case # is XXXX. Netspend is telling me they can not do anything because the transaction is pending, and as long the transaction is pending I can not get my money. Since XXXX has no record of this charge it will remind in a pending transaction. I was advised by XXXX a supervisor at Netspend that if the transaction never post, I will never get my money
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that has been incorrectly reported on my credit report. The account in question is associated with XXXX XXXX, but it is not mine, nor have I ever opened or authorized such an account. 

After reviewing my credit reports, I discovered that this account was placed on my reports with all three major credit bureaus. I have successfully disputed this with XXXX, several times, and they have removed the account from my report. However, it remains on my reports with your bureau, [ TransUnion/XXXX ] . 

Details of the Disputed Account is attached in the document portion of this complaint. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on a Macy 's American Express card. The card only shows on my XXXX XXXX report. It does not show on my XXXX and XXXX reports. XXXX XXXX was contacted XX/XX/XXXX and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/XXXX and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from XXXX XXXX. XXXX XXXX responded to my complaint today, XX/XX/XXXX, stating that I would need to contact Macy 's directly for the Macy 's American Express card that is not showing. This has already been done XX/XX/XXXX by the card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by Transunion or XXXX credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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. 

According to : 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informations inaccurate.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed a number of accounts that I do not recognize. The accounts are XXXX XXXX XXXX  account number XXXX and account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX account number XXXX and account number XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, XXXX of which is XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.
Product: Credit reporting or other personal consumer reports

Today, I noticed some accounts on my credit report that do not belong to me, and I am unsure how they got there. Since I regularly monitor my report, these errors came as a surprise. I attempted to refresh my browser, thinking it might be a temporary issue, but the incorrect accounts remained. Therefore, I request a thorough review of the documents I provided to ensure this matter is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a credit card with my daughter- i was a co-signer. She maxed out card and i told her to take me off her account since my credit scores kept going down. This was XX/XX/2020. We called 6x since XX/XX/2020 and the account is still showing a huge balance and its still open in my name. I have called and she has called and nothing gets done. My credit score keeps going down and down. Talk to 2 supervisors out of the 6x i called and they still Didnt help. Actually both of them had attitudes. They didnt want to help Or cared. The account has been closed since XXXX and its still showing on my daughters credit report and mine. I called again on Friday and they told me it takes 4 months??? What??? Ive never heard such a thing. By the way its been 6 months!! Help!! Already contacted the bbb too. Still nothing has been done. HELP!!
Product: Credit reporting or other personal consumer reports

In a previous good will letter sent to lexisNexis I requested lawful permissible purpose documentation based off 15usc1681b in which circumstances a credit reporting agency may provide a consumer report and no other. Their response was " reported is accurate '' On XXXX LexisNexis received my request to provide lawful permissible purpose documentation again and also a request for a description of reinvestigation procedures based off 15usc1681i ( 7 ) in which they failed to respond or provide neither documentation to me to current date of XXXX well past the 15 day provision. 

On XXXX i sent a estoppel letter for their negligence in responding to my request for documentation and admission in silence of their inability to provide requested documentation
Product: Credit reporting or other personal consumer reports

I need to reiterate that this complaint is not something you should just ignore. My credit report has accounts that are not 100 % assured to be of accuracy. These are affecting my credit standing and has negatively affected me and are weighing on me big time.
Product: Mortgage

In the second half of XXXX, I fell behind on my mortgage with loan servicer, AmeriHome. The reason was my own incompetency -- this was my first mortgage, I did not really know much and was essentially prioritizing other expenses ( drastic renovations ) over my mortgage, which resulted in my loan going into default. To avoid foreclosure, I had to go through the loss mitigation process, which began toward the end of XXXX. I was as responsive I can possibly be with all the requests, responding as soon as I received a request, but because COVID came about, everything took so much longer. They would send me a letter/request via mail and I would get it weeks late. As a result, they also received my responses via mail late. It was very frustrating and I was very unhappy with AmeriHome, but I then realized it really was not their fault, COVID was the culprit, not them, so I got over it. Nevertheless, the process took very long and all the while I was not making payments on my accountnot because I could not or did not want to make payments, but because I was not given the ability to. I asked several times about making payments, but they said I could not make any payments during the loss mitigation process, and the website did not let me. Finally, toward the end of XXXX, AmeriHome said to me, Okay, if you make XXXX trial period payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then we will modify your loan with x and y details. I obliged and made those XXXX payments. Finally, my loan modification finalized and have made my payments on time ever since. 

But now, all of those dozen or so payments are reported late on my credit reports, even the trial period payments, and as a result, it is significantly hindering my ability to refinance my home or really get any type of credit. After with speaking with many lenders and HUD counselors, many keep saying that these should not be on my report the way they are. But I am not sure. It sure does not seem right to me, as I was able to make payments throughout that entire process, I was just not given the ability to. 

Note : my loan was transferred to XXXX XXXX around XX/XX/XXXX, but my concern lies with the former lender, AmeriHome. I have also tried to dispute this issue with AmeriHome and the credit bureaus with the help of XXXX XXXX XXXX and XXXX and have been unsuccessful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I sent payments totaling {$380.00} and was scammed. I never received the items or a tracking number and the merchant never responded to anymore texts when I kept inquiring. I attempted to contact Cash App support on numerous occasions but the only options they gave were to request a refund from the merchant. Which I did, they clearly scammed me and common sense they would not return the money. I disputed the transactions with my bank but XXXX XXXX/cash app refused to return the money to the bank. I have text messages and proof that the money was sent for goods that werent received or ever sent out. Cash app support is by email only and when they finally did respond they said they cant help with fraud even though the terms and policies on their website says otherwise. They never tried to investigate this fraud. Even though in order to open a cash app account social security numbers must be provided they are allowing thousands of customers to be scammed and providing no customer protections. This is the SECOND complaint from me. The first complaint was closed after this incompetent company responded to my complaint with another customers response letter. With her personal information and address and everything! Now shes compromised. Forcing me to have to open this second complaint because that incorrect response closed my initial complaint. ( I attached a picture of the letter they sent as a response to the first complaint with all of this womans information. )
Product: Vehicle loan or lease

I am writing to follow up on an issue that I have been trying to resolve with the dealership XXXX XXXX XXXX XXXXXXXX. I have attempted to reach out to the dealership directly, but unfortunately, I have not received any resolve since XX/XX/XXXX. 

As a result, I have been forced to reach out to my auto loan bank, Bank of America, to request a buyback of the vehicle. I informed BOA that they are not supposed to finance a car with a salvage title, which is the case for the car I purchased from the dealership. However, I have been calling BOA every day for the last XXXX days, and it seems that nobody can actually help me. They are requesting that I contact the dealership myself to have them unravel the deal, but since I have not received any response from BOA nor the dealership, I feel frustrated and hopeless. 

Therefore, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter.
Product: Vehicle loan or lease

the loan has expired and the company Santander Consumer USA tells me that they can not extend the contract to me, what could I do in this case
Product: Bank account or service

There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Bank of America reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud
Product: Debt collection

Court circuit judge, Ruled on my favor. Debt has been discharged by judge. 
Called LVNV funding for credit clarification. Clerk stated, I now need {$270.00}, to free my credit towards the debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, the are hurting my to obtain credit.
Product: Mortgage

In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card was obtained but I had no knowledge of it and the card was used for {$2000.00} in the year 2016 since then I am trying to remove that account first it was not mine second really huge impact on my credit which kept me from getting a card or renting a house
Product: Money transfer, virtual currency, or money service

Writing to formally express my concerns with how Zelle handles disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Zelle fails to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy I sent out letters demanding immediate removal of accounts listed in the letter attached with this complaint this letter was sent out XX/XX/year> as seen on certified letter receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my complaint XXXX stated " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ''. 
But how is that possible if a proper investigation did not take place. According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX DID NOT fact interview with my neighbors, friends, family, or associates who may have such knowledge concerning any such information. XXXX stated " When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ''., but the laws say such information SHALL NOT include specific factual information on a consumer credit report obtained directly from the creditor. 

The Congress makes the following findings, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 U.S.C section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction. This is a violation of my privacy according to section 602 A of this title. 

These accounts should not be furnished on my consumer report as they are a violation under 15 U.S.C 1681b, I never gave any reporting any consumer reporting agency WRIITEN COSENT to report anything on my consumer report which violates my right as a federal protected consumer. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A personal SHALL NOT furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Due to the improper investigation that took place serval times, as a consumer I am demanding you block and delete these accounts from my consumer report. 

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

The Syncb/ppc was written off and has a XXXX balance. When I tried to pay it they said there was nothing to pay. However, it is still showing as a balance when this is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Dept of EDXXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Syncb/XXXX., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Syncb/XXXX  XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.