23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared.

The institution provides an explanation of how the consumer can exercise this opt-out right.

In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights.
Product: Credit card or prepaid card

On approximately XX/XX/19, I took advantage of an offer from my credit card company, Bank of America, for a 0 % interest cash advance promotion, with a 5 % fee the amount of the promotional cash advance. This promotion stated that I could use the promotional check to transfer a balance or deposit any amount up to my credit limit into my personal checking account. Nowhere did the offer state that making the check out to myself would result in foregoing the promotional offer. I wrote a check out for {$19000.00} to myself and the check was deposited on or around XX/XX/19, thinking that I had initiated a cash advance under the terms of the promotion. 

On the most recent billing statement ending XX/XX/2019, I noticed a substantial interest charge of {$290.00}. I thought this was a mistake, so I called the customer service number for Bank of America and spoke to a representative. She informed me that, according to her three supervisors, because I had made the check out to myself, I was not taking advantage of the promotional offer. In fact, I was told that if I had made the check out to my wife, and deposited it into the very same account, that I would have received the promotional offer. Furthermore, I was told that if I had called them to initiate the cash advance over the phone, I would have received the promotional offer. I informed them that I had used some form of this promotional cash advance from Bank of America for over 10 years and never had this problem, even when writing the check out to myself, and that if I had known that writing the check to myself would result in not receiving the promotional offer, I would not have used the promotional check. I was told that the terms and conditions of my cardholder agreement makes writing a promotional check to myself outside of any promotional offer, despite the fact that the offer explicitly states that I could deposit the promotional cash advance into my personal checking account, and that I had no recourse. 

I am frustrated by this deceptive practice and the inherent unfairness of this promotional offer, which states that the check could be deposited into my personal checking account, yet if I make the check to myself, that it can not receive the promotional offer. Due to this deception, I have had fees of {$760.00}, and current interest of {$360.00} billed to me. I offered to pay off the original amount if they refunded this money, but they refused. 

Please help end this deceptive practice, and help rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed my XXXX taxes through cash app, I received my state taxes but never received my federal. When I question why is this the response was contact customer support. When speaking to customer support they went on to say i received it. Ive contacted the irs and they said it was sent out along with the state taxes. Ever since this day they have not been helpful at all I have multiple issue and nothing was solved.
Product: Checking or savings account

i deposit a check into my account on XX/XX/2023 {$300.00} and today is XX/XX/2023 and the check still has not cleared from my account please help me with this i contacted M & T Customer Service and they denied to release the funds on my Payroll Check and wont allow me to withdrall the funds from my account or fix this problem.
Product: Credit card or prepaid card

BOA contacted me on XX/XX/XXXX with a fraud alert which let me know my identity and credit card accounts had been compromised. I immediately responded, cancelled the card, filed a police report and froze my credit. Then later that month the thief opened a BOA checking account in my name and on XX/XX/XXXX took a {$2100.00} cash advance from my BOA credit card and had that advance deposited into a new fraudulent BOA checking account that was opened in my name without my permission online WITHOUT an ID. I didn't know any of this had happened until I received a BOA Debit card in the mail on XX/XX/XXXX. I immediately drove to a BOA bank to close the fraudulent checking account and finally on XX/XX/XXXX the {$2100.00} was transferred from the fraudulent checking account back to the BOA credit card. Yesterday, over 4 months later I received a BOA credit card statement showing I still owe the {$2100.00} cash advance and now they are charging me interest on the advance that I never made. I have been through several rounds of disputes and am unable to get anyone at BOA to review the clear documentation and fix the errors that BOA has made and are still trying to charge me for. BOA treats victims like criminals. After being a loyal customer for 25 years, they have done nothing to protect my personal information, they have caused my credit scores to drop and they are fraudulently reporting the current balance that includes charges I never made to the credit bureaus while the disputes are still in review 4 months later.
Product: Credit card

We traveled to South Carolina in XXXX. During this trip we rented a XXXX passenger XXXX. When we showed up it was only a XXXX passenger so they messed up and had to upgrade me to a XXXX passenger as they didn't have any XXXX passenger. They were supposed to keep me at the same price at what was quoted. They ended up charing me almost XXXX dollars more and wouldn't come off of that. I have sent Citibank the files showing original quote and charged amount 4 times. They opened and closed the dispute without talking to me or asking for any other documents. They have refused to reopen it despite me asking them to do this several times by phone and email. I have told them I will close my account immediately if this doesn't get fixed. I want a real person to call me so walk through the documents I sent and them get a bona fide statement from me. They are pencil whipping this compliant and dispute without any regard for the customer. This is a common issue with Citibank. I want this escalated with the company
Product: Consumer Loan

There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXXBalance : {$1900.00}, XXXX XXXX Balance : {$170.00}
Product: Mortgage

Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This bank stating my deposit is fraudulent but sent funds to checking my account now they filing claim against the deposit.
Product: Credit card

Dear Sir/Madam, I am writing to dispute the information reported on my credit report concerning my account stated above with the puchase and return with XXXXXXXX XXXX and Synchrony Bank XXXX XXXX I respectfully request that the negative record be deleted, as the issue was caused by a product malfunction and has incorrectly reported as a charge off. 
The purchase in question involved a product from XXXXXXXX XXXX that malfunctioned, which I believe was due to poor materials used in manufacturing. The malfunction caused harm to me, and I have provided pictures as evidence of the defect and the resulting damage. These pictures demonstrate the issue with the product, which was beyond my control. 
I would like to clarify that I did not incur any charges or fail to make any payments due to this issue. My account was settled, and no late payments occurred in XXXX. The matter was resolved, product was returned, and the situation should be closed and paid as agreed NOT a charge off. Since I was not at fault for any missed payments or debt. I am requesting that all negative entries related to this account, including any references to late payments or charge-offs, be removed from my credit report. 
Please review the details of my account and the accompanying pictures showing the product malfunction and the harm it caused. I would greatly appreciate it if you could make the necessary updates to my credit report to reflect that the account is in good standing and that no derogatory marks should be associated with my name. 
If you need any further information or documentation to process this request, please feel free to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. I look forward to your swift response and the correction letter for my credit report. 



Stated on your Synchrony website : Do not engage in any activity that can potentially or actually cause harm to Synchrony, our customers, or our employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.
Product: Credit reporting or other personal consumer reports

Child support, and three credit cards. I have asked for the letter from my XXXX  XXXX Trustee that approved this debt. XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I received a copy of my credit report and realized someone has stolen my personal information to open fraudulent accounts using my identity the following accounts are results of fraud 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: Checking or savings account

I presently have both an XXXX XXXX credit card and a savings account with CitiBank. I typically track my credit purchases at least weekly via the CitiBank mobile app, this site also includes access to my savings account. 
Last week when I logged in from the app, I was immediately taken to an activation page where I am provided with two choices ; enter new card ( doesn't specify credit or debit ) and choose " continue '' or " cancel '' which routes you back to the login page. I do not have a new debit card ( I destroyed the original as it was neither needed nor requested ) and have already activated and used my credit card which was received approximately 6 months ago. 
I have tried their automated phone, spoken with approximately 8 people none of which can help me gain access to my account ( one resolution was to drive 329 miles to my nearest branch office to complain in person ). They can not tell me when the card was sent only that I need that card number or the original one that I destroyed in order to gain access. The reason provided was for security despite being able to provide my full name, address, credit card and savings account numbers and date of birth.
Product: Debt collection

I did go to XXXX XXXX because I was ill but left without seeing any doctor at all. NEVER signed discharge papers I told the collector at Phoenix Financial what had happened but he refused to listen. Instead he wanted me too settle the account at first I agreed to but later declined why should I pay for medical care that was never serviced
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$11.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$12.00} FXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to show that I paid XXXX and the collection company is XXXX XXXX in full.
Product: Credit card or prepaid card

Earlier today, we logged into our credit card to check the statement. At the time we discovered XXXX charges, each {$6.00} or less accompanied by {$10.00} fees for each of them. 

Upon further investigation, it turns out that earlier this month, Chase decided to add XXXX to the list of cash advance charges and charged us fees as such. 

This is not something that has ever happened before, there was no communication that was sent out to us as consumers, and if you investigate it even further online, apparently its happened to other consumers as well. 

I reached out to Chase and they refunded XXXX  of the {$10.00} fees and upon trying to push the issue refused to refund, the XXXX  additional {$10.00} fees totaling {$20.00}.

When asking them to provide wh
ere communication was sent out, they were not able to produce it. Do you want one having been a chase credit card holder for many years, to have a change like this occur with no communication is incredibly deceptive.
Product: Debt collection

I was trying to check credit report / credit score on credit karma only to find out there is a credit card debt showing on my name but different address that I have never been on. 

MIDLAND credit management ( XXXX ) XXXX {$620.00} in collections that I never heard, used and signed up for, address was different but someone somehow got my social security number. 
I have called the MIDLAND credit management debt collector and found details of debt : Account number XXXX XXXX  XXXX XXXX, XXXX. Original account XXXX, Confirmining it was opened XX/XX/year> and sent dispute about fraud. But they sent back a letter stating that we need to file a complaint Consumer Financial Protection Bureau.
Product: Mortgage

Hello, I worked with XXXX XXXX at CIT ( www.cit.clm ) to get a mortgage ( loan ID XXXX ). We were not able to close. He told me that he is going to refund my application fee of {$500.00} ( I have an email from him showing his promise ). However, he didn't. I put a stop on the credit card payment. However, CIT is disputing this and my credit card company is not responding to me. They have already taken the money out of my account. Kindly help. 

The company is called OneWest Bank, a division of CIT Bank, N.A. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection calls, and i request your assistance in investigating this matter to insure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL 3 CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
Product: Credit reporting or other personal consumer reports

According to15 USC The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Transunion report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information. In general after any reinvestigation under paragraph ( 1 ) and information disputed