23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have  XXXX  Bank of America credit cards and had some problems in the past that warranted the increase in interest rate. But since then, about three years now, my status has changed and not only do I pay on time, I have not missed a payment and in most cases have exceeded the minimum payment. After a long period of time decided to call the Bank of America to inquire if the interest rate can be reduced, I was told that on my account there a note stating that the interest rate can not be reduced.   As I stated that my situation has changed from the past problems and my payment activities for the past three years proves it, why ca n't my interest rate can not be adjusted??   I have another credit card that on their own about a year ago did reduce my interest rate without my having to ask them. If they did that, why ca n't Bank of America do the same? Why do keep punishing me for thing that happened in the past? Do they not think that circumstances change over time?   Please look into this complaint and advice me how I can resolve it.   Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several reporting agencies are using our medical collections which is a violation through hippa
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Capital one has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested capital one to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for capital one to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information
Product: Student loan

In XXXX XXXX I went to XXXX XXXX at their XXXX campus and signed up for a computer programming course. XXXX assured me that I would be able to secure a better paying job and there was a job placement guarantee upon completion of their program. I was at the time a XXXX XXXX XXXX XXXX. I started to attend classes at the XXXX ' XXXX campus and over heard the instructor state that he was n't being paid and he wanted to leave. The XXXX campus soon was closed. Soon thereafter I was sent to several different campuses to take classes. I felt as if I had no choice because I had already paid the tuition. There were no tests, no quizzes, the quality of instructors was poor and some of the classes were shortened in duration. There were not enough hours provided. I was unable to graduate from any single institution. There was no central school administrative office responsible for issuing a transcript, certificate or diploma. I never received instructions as to where to apply for jobs or if my class time would be honored by any future employer because there was no one to verify my attendance at XXXX XXXX. My student loan was acquired by XXXX XXXX XXXX. I could not afford the payments and applied for a forbearance in XXXX. In XXXX XXXX I was sued in Civil Court by XXXX XXXX XXXX XXXX XXXX. That law suit is still pending and the materials that I attached to this complaint were provided to me as part of the discovery in that civil law suit I was neveer provided copies at the time of application. I was never able to obtain computer programming skills or secure employment as promised. I could n't even prove I attended any school whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED NELNET ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Currently I am in the process of rebuilding my credit with some new credit entries on my credit reports that show being paid on time and yes some usage a little high, but I am making higher monthly payments to bring the balance down. 
I applied for a XXXX card that is issued by XXXX in XXXX XXXX SD. 
I received a response that I was denied for having old credit entries that are XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX or XXXX I purchased a prepaid " credit card '' from Navy Federal Credit Union. Even though this was my money initially it was XXXX of my money, my funds, I closed out this card in XXXX with a balance of XXXX of my money that I put on it, it was a pre paid card through Navy Federal Credit Union. This Credit Union put this pre paid card in collections, and then it turned into a charge off? I asked numerous times why would you put a pre paid card in collections especially a charge off? Your answers were above and beyond stupid!!! Your answers to me were " well whatever was left on your card when closed it in XXXX went into your savings account? '' REALLY NAVY FEDERAL then how come I am getting a statement once a month with {$10.00} in my savings account? I paid the XXXX knowing that was wrong, your slacking Navy Federal, I asked for a letter of paid off balance with my own money, I have been run in circles, how hard is that Navy Federal, no wonder you have had several civil law suits against you, you were shady in the early XXXX and your still shady. YOUR ANSWERS TO WHY YOU PUT A PRE PAID CREDIT CARD IN COLLECTION THEN CHARGE OFF, BOGGLES MY FREAKING MIND, AND YOUR ANSWERS ARE RICDICLOUS!
Product: Money transfer, virtual currency, or money service

Ive had multiple problems, with no refunds, and my data was stolen from a XXXX party
Product: Checking or savings account

I have received overdraft fees from navy federal. When my account shows I have an adequate amount of money in it. They are not processing charges on time so my account balance is not accurately reflecting my accurate amount of money. Its showing I have money and then they take the money out late and charge over draft fees bc of late processing on their end
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

In XX/XX/XXXX, this account was stated as being late. JPMCB XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Notice, I have been on time with all my other payments and at the time my account was on auto pay. This was clearly an error on behalf of chase to deem this account as late. It is affecting my credit worthiness and has put me in a state of distress as Im trying to purchase a home and the lender is stating that this late payment is hindering me from reaching my financial goal and credit worthiness for the home that Im seeking to purchase. 

If you would as to be so kind to revise my account and remove late payment from XX/XX/XXXX I would be most grateful.. Ive sent letters and even spoken with a representative stating my claim on XX/XX/XXXX and mailed certified letter on XX/XX/XXXX. After speaking with the chase representative m, she agreed that the late payment may have been caused by an error on their end and that they would look into. It is now XXXX and the late payment still remains. 

Please consider my stellar payment history as a form of my integrity in this matter.. Thank you. 



JPMCB XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My Citibank XXXX XXXX Credit Card credit limit of {$20000.00} was decreased to {$18000.00} on XX/XX/2020 after filing two Consumer Financial Protection Bureau ( CFPB ) complaints against Citibank regarding two unresolved disputes on XX/XX/2020. In addition, Citibank acted in reprisal after invoking my Servicemember Civil Relief Act ( SCRA ) rights within the disputes and CFPB complaints.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America in XXXX XXXX XXXX ATM ID number XXXX in the hours between XXXX XXXX XXXX XXXX cash ATM machine sole my money and did not count nor deposit the amount to my account machine did not give a receipt I desperately need my my money I ask that you please help me this is all I have
Product: Student loan

I called several times and was on hold for many hours. I was hung up on each time. I finally reached someone on XX/XX/XXXX. I requested a refund for the payments made since XX/XX/XXXX. The customer service rep told me they put the request in and I should receive my money in 4-6 weeks. It has been 6 weeks and Aidvantage keeps hanging up the call after placing me on hold for long periods of time. I have received no money from them or even an email that it has gone through. This is my money and they are refusing to give it to me.
Product: Debt collection

I received an email to an email address that I don't usually open because it is an old email address. The email was sent from Southwest Credit Systems stating that I owe a debt and that they would put it on my credit report if I didn't respond by XX/XX/24. The email sent does not have enough information for me to verify if I owe the debt. No forms were sent that showed a document with my signature, transaction on the account, correspondence of any kind, or anything that would validate that I owe the debt.
Product: Payday loan, title loan, personal loan, or advance loan

Equifax XXXX XXXX and experience to take the block off of my account because I cant see it and they wont its been like that for maybe about XXXX months now
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXXXXXX XXXX, Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX On record until XX/XX/XXXX This account is full of inaccuracies that violate my rights under the FCRA. This account is reporting to allow the negative reporting to stay on my report for longer than 7 years. They need to correctly update this account or remove it. Considering I am a XXXX Veteran with no taxable income they might as well remove it and move on before I sue.
Product: Money transfer, virtual currency, or money service

Following unlawful TD Bank Activity in violation of state and federal law, and breach of my loan agreement with the Bank, I exercised my legal rights to declare the contract breached by the Bank. 

I then revoked ( in writing ) TD 's authority to take automatic monthly withdrawals from another bank ( XXXX XXXX ). 

Remarkably, despite my repeated written instructions and revocation of the right to take automatic payments, TD Bank continued to unlawfully withdraw thousands of dollars from my XXXX account. Every time TD did this, I reported the Fraud to TD and repeated my instructions. I have repeatedly informed them of their unlawful conduct, and my instructions, to no avail. 

I want TD to respond an be administratively, criminally, and otherwise held accoun table for its theft of my funds and unauthorized withdrawal of funds from my account -- against my express instructions and warnings not to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.
Product: Checking or savings account

I do not recognize the transactions charged in my checking account listed below : 1. XX/XX/2021 - {$1900.00} 2. XX/XX/2021 - {$1700.00} 3. XX/XX/2021 - {$860.00} 4. XX/XX/2021 - XXXX 5. XX/XX/2021 - {$4000.00} On XXXX XXXX XXXX  I called for the first time to inform the bank what had happened. They provided me with the reference case XXXX. 

A couple of days later I received the refund for the {$4000.00} transaction and not the rest. All of them were made on XXXX. 

I received a letter from Citibank saying the " We have completed our review of your dispute for the transactions above, ( ... ) and determined you are responsible for the charges in question. 

I called again and I was instructed to write a letter asking to reopen the case and provide evidence to support my dispute. I got an email from XXXX saying the transaction was not authorized and the account which was used was already blocked. I also attached my XXXX purchases history. 

After that, I keep calling to follow up and never received a definitive answer. The case numbers below are for the follow-up calls : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 

My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 

This serves as my final request for you to fulfill your obligations under the FCRA. If you do not promptly and properly investigate the accounts in question, I will have no choice but to file a lawsuit in my local jurisdiction, requiring you to appear here to defend your actions. 

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

I have requested for 5 years the permissible permission used by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017 to have had accessed my credit report. They have yet to give me or give me a reason why they refuse. XXXX simply labels the request as duplicate. Experian employees don't know what to do and answer with the best form reply they can. I feel sorry for these employees to have such a dead end job.
Product: Credit card or prepaid card

I have a credit card with Chase Bank. Somehow my number was compromised and a counterfeit card was made using my card information. The thief used my card for purchase made in XX/XX/2021 at XXXX XXXX for {$110.00}, XXXX for {$27.00}, and two XXXX purchases one for {$82.00} and {$31.00}, and XXXX XXXX in XXXX XXXX. All of these charges were made around the same time, and when I discover this I alerted Chase right away. Chase did a dispute review for these fraudulent charges and they only refunded the charge for the XXXX XXXX. I am thankful for that credit however, how does Chase agree with me that this is a fraud charge but not the other charges that occurred around the same time frame? I am confused by this. I tell them all these charges are fraud, they do a review and agree that only the XXXX XXXX is fraud but not the charges that took place before this charge and after this charge? I am requesting another review of this and an answer as to why they approve the XXXX XXXX charge but not the others. Also per Chases credit card agreement, if fraud charges are reported in a timely manor then they do not hold their customers responsible. I did report this credit card fraud to them within the time frame, now it is their turn to uphold their terms and conditions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX 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: Mortgage

I was told if I used Rocket Mortgage & Rocket Homes Agent, the MPI would be waived. This was absolutely not true. Straight FHA loan requirements and MPI added. 

In the process of mortgage loan process with Rocket Mortgage, I was asked to pay a {$500.00} binder, when I already paid a binder to the realtor. Then discovered fee was for the appraisal. Simultaneously, closing fees jumped over {$10000.00} in one week. No explanation was given. 

I requested to cancel the loan, Rocket mortgage rep offered a lower interest rate to keep the deal. When asked why this was not offered initially, no explanation was afforded. 

I filed a transaction dispute with my bank, Rocket refused to waive the {$500.00} fee. 

This has been over a period from XX/XX/2023 to XX/XX/XXXX XXXX XXXXXXXX, Main Contact at Rocket XXXX
Product: Debt collection

All the accounts listed per the FCRA as a federally protected customer, I am opting out of any and all authorization I the consumer may have giving you written, verbal, or non- verbal. Per USC 6802 Effective Immediately. 
Listed Companies : Caine & Weiner, Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HEY, I sent multiple letters asking Experian, XXXX, and XXXX. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i- Experian, XXXX XXXX and XXXX have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.