23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024, I applied ( online ) for a Bank of America XXXX XXXX XXXX Account, applying a promotional code ( XXXX ), which ( upon meeting requirements for the account, including a $ XXXX balance and XXXX direct or online deposits ), should make me eligible for a {$500.00} bonus. 

I received notification from Bank of America ( on XX/XX/2024 ), that my account couldn't be opened online, however I was invited into a financial center to complete my application. 

I visited the XXXX, Massachusetts Bank of America Financial Center on XX/XX/2024, met with a banker, and opened my XXXX XXXX XXXX Account. I informed the banker, at the time of opening, of the circumstances discussed above ( e.g., I had applied a promotional code when making application online ), and asked that the promotional code be applied to the account ( which was now in the process of being opened " in person '' at the financial center ). The banker informed me that she was unable to apply the code, but would " escalate '' the matter, and that the promotional code would be applied " on the back end, '' and I would be notified when such occurred. 

On XX/XX/2024, I e-mailed the XXXX Bank of America branch, and inquired as to whether or not the promotional code had been applied, as yet. I was told that they were " still working with escalation, '' and would inform me of confirmation as soon as such occurred. 

On XX/XX/2024, I sent a letter to Bank of America, inquiring about the application of the promotional code. 

Yesterday ( XX/XX/2024 ), I received a letter from Bank of America informing me that I had not qualified for an incentive payout, as they " don't show any qualifying promotional offers. '' This seems unfair, and rather deceptive. I did, in fact, provide the promotional code at the time of my online application; Bank of America insisted that I come into a physical branch to open the account ( which I did ), and has now decided that I didn't submit the promotional code at the time of account application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I received a collection call from the XXXX XXXX regarding a payday loan dating back in XXXX. I have already attended court procedures ( XXXX meeting ) for my Chapter XXXX Bankruptcy, on XXXX XXXX XXXX and currently waiting on discharge. The collection company has my attorney 's name and contact number. My attorney called them on XXXX/XXXX/XXXX at XXXX and this company would not provide any information regarding who they were representing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Student loan

This company repeatedly sends me a giant bill while refusing to answer the phone, contact me, or allow me to leave a voicemail or submit a complaint. If you call them, you will be placed on hold for 5-10 minutes before being sent to a voicemail box that is full. Then the line immediately disconnects. I submitted a complaint with the federal government and they tried calling me after that but i missed the call- the caller did not leave an extension number so when i called back, i was placed on hold for five minutes before being transferred to a full voicemail box and hung up on. There is no way to contact them, no way to leave a message, no way to schedule a call back, no way to stop the interest building up because of their lack of attention to my application. I applied for XXXX on XXXX XXXX XXXX. My application was processed quickly but nothing ever happened- i never received denial, approval, or more i formation to continue with. My income is $ XXXX and they keep sending me information on how to pay them {$600.00} in XXXX but can not be bothered to make contact with me otherwise
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXXXXXX XXXX XXXXXXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Product: Debt collection

LVNV FUNDING LLC Last reported XX/XX/2022 {$290.00} Open balance XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor This isn't mine. And now a third party has obtained my information some how and is trying to collect.
Product: Credit reporting or other personal consumer reports

Per the FRCA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written non written verbal non verbal per 16USC6802.

ThePrivacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

A Charge off is considered a certificate of indebtedness. please remove from my credit report. 

This account is reporting inaccurately across XXXX and transunion.
Product: Debt collection

I am getting repeated calls from american express ( XXXX ) asking for a XXXX XXXX whose card ends in XXXX, and the call continues to say he owes XXXX dollars. 

Last week I held on and finally spoken with the operator. I told the operator I am not the person they were looking for. I was told the calls would stop. They did not. 

The calls are coming to my cell phone XXXX, or they may be transfered from my home phone XXXX. 

This call comes every few hours .... 

Getting very tired of this. I want this to end.
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying on the line of credit for over a year. It seems my payments doesnt mean anything. I was unaware that if I make payments lets say XXXX only XXXX bucks goes toward the loan its self. As you may know the economy prices are super high that its getting unaffordable for me. Every time I get paid, I am making a payment towards this and nothing is happening. This is a scam and I should have did my research before hand. No ine explained that this was the cost begin getting this loan
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX, a collections account opened at Snap Debit Recovery on XX/XX/XXXX with a balance of {$12000.00}, that appears to be related to the aforementioned car loan account opened at XXXX XXXX XXXX , a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

The complaint is about TD Bank, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
TD Bank offered a re-financing for my house, and I signed a XXXX rate-lock agreement with TD in XX/XX/2020. 
InXX/XX/2020, TD Bank said the existing lender could not perform a loan assignment due to COVID in order to close the re-financing, but asked me to wait and promised in writing to extend my rate lock until closing. 
Despite my weekly email follow-ups, TD Bank continued to ask me to wait. 
InXX/XX/2020, I informed TD Bank I could not wait any longer and wanted to close the re-financing without the assignment, and I was willing to bear the resulting additional cost. 
In XX/XX/2020, after my numerous attempts to get an answer from TD Bank, TD Bank informed me they would not honor the loan terms they promised to me. On XX/XX/2020, TD Bank promised in writing to refund me the {$530.00} in appraisal fee that I paid in good faith at its request during its underwriting process. I never received the refund. On XX/XX/2020, in response to my email inquiries, TD Bank representative emailed me and said he would check on the status of the promised refunds. 
After that, TD Bank stopped responding to my continued inquiries.
Product: Money transfer, virtual currency, or money service

I was a victim of a rental property scam in XXXX, NC. I submitted an application through XXXX XXXX XXXX XXXX company and was contacted the next morning by an individual by the name of XXXX XXXX stating that the property I applied for was taken and he had another property available. He provided me with the code to the XXXX  I agreed to wanting the house he sent me an invoice for the security deposit of XXXX which was to be sent via XXXX. This invoice was on XXXX letterhead. After receiving and signing a lease I sent another {$1500.00} for the first months rent. After contacting XXXX and being made aware it was a scam I reached out to PNC to dispute the charges on XX/XX/2023 and I also opened a police report with the XXXX, NC Police Department. XX/XX/2023 PNC sent communication letting me know that my request had been denied.
Product: Debt collection

Portfolio Recovery keeps calling me after I have told them to stop calling me. I block their number and they just call on a different one. At this point it is clear harassment. For a year I have been telling them to stop contacting me. This is a list of every documented call I have from them in the last year. I have asked them multiple times to stop contacting me yet they refuse. I am considering legal action if they do not stop contacting me. I have also noticed that they updating the "last reported date" illegally. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

so i pulled my credit report and i saw XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX I called The company and asked what this was for i was told it was for a sewer bill/ Trash Bill And for an water bill however its sitting on my credit as Rent Debt Making it look like i don't play my bills I asked why i never got anything before this and was told maybe i should pay my bills by the rep on the call i asked for a supervisor he stated he was after alot of back in forward we got no where as im trying to understand a Utilites bill being label as rent which is misrepresented on my credit report. as i was told even if i pay it would not be removed from my credit report and also that it would take me three weeks to get a letter stating i paid
Product: Prepaid card

Continually locked out of even checking my balance, restricting my use of services they advertise that they offer ( and that I'm eligible for, specifically XXXX ). If you're flagged for suspicious activity on login, they won't allow you to use XXXX XXXX ( basically an advance on your pay, that you've already worked for, usually around XXXX bucks ). So, they conveniently lock you out of your account, whenever you are eligible for XXXX XXXX. Customer service can do nothing for you, except send an email to tech ( where the login problem lies ), which they never read, and TV he problem never gets resolved. Customer service agents are only able to help you unlock your account, but only if you escalate. They're trite, condescending, and incompetent, and the only people you can call for resolution, which never happens. They can not access anything to fix anything, and are the consumers only recourse. I am moving my payroll, immediately. I also have reason to suspect that they " recovered '' XXXX, that they never gave me, as well.
Product: Credit card

I applied for a new credit card from a bank that was linked to an airline. The ad on the airline website offered a bonus of XXXX reward miles, but the bank switched and issued a card with lesser benefits, only XXXX points and a {$200.00} credit on a statement. I was not aware of this other plan at the time I applied. I did not realize the switch until after I had met the requirement of purchases within the first 3 months and was waiting for the XXXX points to show up on my account. When I checked with XXXX the airline and the bank, I was told by the airline that the bank handled the issuing of the credit card, and was told by the bank that the benefits I received were for the credit card they issued. I also checked with a local branch of the bank and after much communication between a bank rep and their home office I was again told the benefits I received were for the card they issued. In all cases they sidestepped the fact that the card issued was switched from what I applied for. I have copies of emails that I received from the bank referring to the XXXX points " reward '', but nothing referring to the lesser reward. In all of my contacts with the bank they completely ignore the fact about switching me to a different plan with no notification. I 'm XXXX XXXX XXXX, of sound mind and body and am now wondering if their responses are due to my age or if this is their standard operating procedures. All I 'm asking for is reversing the {$200.00} credit and give me the additional XXXX points that I expected and the ad promised. I still get emails from the airline suggesting that this plan is still available, and also on the airline website it 's still available. I did not need another credit card in the first place and the only reason I applied was to receive the XXXX bonus reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company fixed the reporting on some of my credit reports but on XXXX  it still incorrectly shows late once last year during the time we had XXXX and was excused
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My problem is with Experian credit bureau. I have put in multiple disputes about XXXX XXXX and XXXX XXXX as being paid on XX/XX/2018 and or XX/XX/2018. I have spoke with both creditors and receive receipts from them both stating paid with a XXXX  balance as well. Both of these creditors agreed to report them as such. I have sent this proof to Experian and they keep reporting it as unpaid collections. Please help.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies Involved : XXXX and TransUnion Account Number : XXXX Current Status Reported : Closed Actual Status : Open I am writing to formally file a complaint against XXXX and TransUnion for inaccurately reporting my credit card account status. The account in question is XXXX, which is currently being reported as closed by both credit reporting agencies, despite the fact that it is open and active. This incorrect reporting has adversely affected my credit score and has hindered my ability to obtain new credit. It is crucial for my financial health that this error is corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to Avant Credit. I also, missed paying the recurring amount plus interest from XXXX. 

On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status. 

Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to Avant two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than Avant ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-19/XXXX. 

XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. Avant claims to care for its customers, but currently I'm not experiencing that.
Product: Money transfer, virtual currency, or money service

By their failing to put in place proper safeguards, XXXX became a gold mine for fraudsters. I have been a victim of multiple scam attempts. If I was selling something on XXXX  XXXX  someone would ask to XXXX  me a huge amount and I'll send them the difference.
Product: Debt collection

I received two credit report monitoring alerts. 
XXXX : XX/XX/XXXX Hunter Warfield - XXXX XXXX XXXX ( Collections ) in the amount of {$430.00}. 
XXXX : XX/XX/XXXX Hunter Warfield - Unpaid in the amount of {$430.00} I am an XXXX XXXX service member and this is not a valid debt. 

I have a perfect credit report with no late or missing payments. I also do not have any obligations in this amount.
Product: Credit card

1. Company was made aware that my name should read XXXX as there are multiple XXXX 

2. Companies terms with no interest for XXXX months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 

3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 

4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.
Product: Vehicle loan or lease

On XX/XX/XXXX I was in a car accident. I called Chase they informed me to give them information to insurance company and hold payment until deemed totaled etc. XX/XX/XXXX it was deemed totaled but only covered a portion of the note ... .. {$9400.00}. The gap insurance covered a couple hundred dollars as well leaving me with a balance to be paid about 1400 I did not have out of pocket. So they said the $ XXXX payment did not count as a payment and continued to report to the credit as late and charged off the account. without giving me the option to make small payments thus resulting in this dinging my credit report from XX/XX/XXXXthrough XX/XX/XXXXand now I am unable to get an auto loan.
Product: Student loan

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

NAVIENT account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.