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

On XX/XX/XXXX we purchased two plane tickets through XXXX for XXXX flights. 

On XXXX  XXXX, XXXX part of the flight was canceled and we requested a refund of the flights with XXXX and XXXX. XXXX stated they were unable to provide me the refund directly, because I booked through a third party site and XXXX would need to issue the refund. I notified XXXX of this on XX/XX/XXXX. On XX/XX/XXXX XXXX  stated, " According to last updates in policy for XXXX  it is necessary to check directly with the airline if a refund can be provided. We can request all refunds via the special designated platform, a response is expected from the airline within 6 weeks, and it takes another 3 to 4 weeks for a refund to be posted. '' On XX/XX/XXXX I initiated a claim with my credit card company as it didn't seem like I was going to get a refund for the cancelled flights. On XXXX I contacted XXXX again and they stated they would provide an update once received from the airline. On XX/XX/XXXX, XX/XX/XXXX, XXXX I followed up again and have not received a response from XXXX. 

I provided this documentation to Bank of America along with screenshots showing part of the flight was cancelled. On XX/XX/XXXX the entire flight was cancelled by XXXX. Bank of America closed the claim stating : " At this time, we're unable to assist with your inquiry for the following reason ( s ) : - The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 
- We're unable to obtain credit ( s ) for a service, or delivery of merchandise, that's scheduled to occur at a future date. Please contact us if the merchant fails to perform the service ( s ), or deliver the merchandise, after the scheduled timeframe ( s ) has elapsed. If available, please provide documentation from the merchant to support that they have no intention of rendering the service or delivering the merchandise in the future. '' This is untrue as the merchant was unable to provide the service as the flights were cancelled by XXXX. Per XXXX 's refund policy if a flight is cancelled or changed withing a 3 hr period, I'm entitled to a full refund. I also have an email from XXXX stating, " the refund will be issued to your travel agency in the form of an agency credit memo. '' The second part is also untrue, as the date of service was XX/XX/XXXX and the documentation I provided Bank of America with the cancellations was past the date of service. 

Please help me get my money back as services were not rendered and I'm unable to get my refund from XXXX. The reasons Bank of America provided for the denial of the claim are not accurate.
Product: Credit card

XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.
Product: Debt collection

On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. 
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. 
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. 
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. 
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights.
Product: Payday loan, title loan, or personal loan

We applied for a loan to build a pool . Aqua Finance  provided us with {$40000.00} and the balance of our backyard project was paid i n Cash.    Payments for the loan were set up as an automatic payment from our bank account on the  XXXX  of each month starting 30 days after the completion of our project. The first payment was XX/XX/XXXX .   Since  XXXX  I have been trying to set up an online account so that I can increase our payments and pay this loan off by the end of   XXXX  . I was told that I would receive a bill in the mail with a code which I could use to set up my online account. Once I have this information I will be able to increase my payments and there would be no pre-payment penalty for paying off the loan early. I called in  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . Today I was told I will never get a statement because I pay the bill automatically. I find this unethical, as a consumer I should receive a statement no matter how my payments are made. I have no way of knowing that the payments I am making are being applied to my account and what they are applying to principle or interest. This is unacceptable.   On my phone call today they offered to increase my payments. I do not want to give who ever I was talking to any more control over my payments without a bill.   Apparently the billing is done by a  3rd  party. They will request that I receive a bill. They do not know if I will receive a bill at the end of  XXXX  or maybe it will be  XXXX . The customer service person did not know how long it would take to for the request to go thru.
Product: Credit card or prepaid card

In the last 2-3 years, I have on numerous occasions clicked on applications for car loans, home mortgages and credit cards through Credit Karma when informed that I was pre-approved or had excellent approval odds, but was ultimately DENIED. My XXXX and XXXX credit scores have been devastatingly been affected. As a mother of XXXX, who has been working so hard to improve their credit, in an attempt to purchase my first home for my children, purchase a bigger vehicle or obtain a credit card without restrictions and larger credit limit or benefits, it is the ultimate let down to have your hopes up not only to be continuesly denied but for your credit score to drop in the 400 's and create hard and soft pulls on my credit. This is misleading and they should stop creating unnecessary stress and XXXX.
Product: Credit reporting

Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening date listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the Internal Revenue Service ( IRS ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the IRS, contradicts this requirement. 

The IRS has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the IRS outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the IRS. 

Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States Tax Court case of XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX  ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the IRS ' classification of charge-offs as income. 

Given the IRS ' stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and may potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. 

I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. 

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

Dating back to XXXX XXXX after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all 3 of the major Credit Bureaus ( Transunion, XXXX, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( Transunion, XXXX, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA 15 U.S.C it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Product: Checking or savings account

I deposited a check that I received from a claim. I was told that the funds would be available the next day in which it showed that the funds were available. I went to the bank a few days later to make a withdrawal. I was asked by the teller what I was intending to use the funds for, I told the teller that that was non of her concern and was denied access to MY money. I have never been asked to explain why I am making withdrawals from a banking institute before and don't intend to explain to anyone. I spent close to an hour in the bank trying to make a withdrawal, the entire situation was uncalled for and very unprofessional.
Product: Student loan

In XX/XX/XXXX I attended the university XXXX school on line. However to do the classes I had to get a student loan, which at that time I got approved for. Having said that I was approved for an amount that should pay for the entire cost, but it turns out not to be the case. XXXX more classes to finish the entire cost I was told that I do n't have anymore money so I will have to pay out of my pocket if I want to do the last XXXX classes. Something did n't feel right so I never get to finish my degree up to this day. Then one day I heard the school is under investigation, and the following day I had some one called offering me a student loan forgiveness and I will not have to pay back the loan. I did n't take the deal because I knew nothing about it or if it was a scam just so they could get my information. I was never able to make the high monthly payments they were asking for so they ended up putting me on forbearance. We are in XX/XX/XXXX and up to now each year I have to be on forbearance, because I ca n't afford the payment. I even filed for bankruptcy hoping that they will remove it, since they are under investigation but they did not an the total just keeps getting higher and higher with interest accumulated. This is now on my credit report causing lots of damage.
Product: Credit card or prepaid card

bank of america is harassing me and reporting incorrect information about a crdit card account that doesnt belong to me there were fraud charges and they allowed the card to remain open and be used after i otified them, they cotninue to add fees and charges that dont belong to nme and i have disputed this account for over a year now and they are doing nothing about it except harassing me with over a dozen phone calls a day when i also asked those to stop as well
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Truist Bank regarding their prolonged holding of my deposit of {$2000.00}, well beyond the federally regulated 7-day period. Despite almost 15 days passing, Truist Bank has failed to identify any fault and continues to place a lock on my account. 

I have provided all necessary verification regarding the origin of the payment, yet my account remains restricted. I request an immediate resolution, which I believe should either entail the full unlocking of my account for unrestricted use or the prompt closure of my account with the issuance of my full balance. 

This situation not only inconveniences me but also constitutes a clear violation of banking regulations designed to protect consumers from unjustified withholding of funds. I kindly request the Consumer Financial Protection Bureau to intervene swiftly to ensure Truist Bank complies with these regulations and provides me with the appropriate remedy without further delay. 

One notable example is the case of XXXX XXXX, a customer of XXXX XXXX. In XXXX, XXXX deposited a check for {$1500.00} into her XXXX account. The bank placed a hold on the funds, citing a policy that allowed them to hold funds for up to 11 days for checks larger than {$5000.00}. However, XXXX 's check was only {$1500.00}. 

XXXX filed a lawsuit against XXXX, arguing that the hold was unfair and violated federal regulations that require banks to release funds from deposited checks within a reasonable time frame. The court ruled in XXXX 's favor, stating that XXXX 's policy was in violation of federal regulations, and ordered the bank to pay damages to XXXX for the inconvenience caused by the prolonged hold on her funds. 

This case serves as an example of how banks can be held accountable for unjustifiably holding customer funds and demonstrates the importance of adhering to federal regulations regarding fund availability. 


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

I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted Equifax, XXXX, and XXXX   concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, Equifax upon contact agreed to remove the ninety one inquiries on Equifax, sixty eight on XXXX, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.
Product: Student loan

To whom it may concern, On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX ( who took over the XXXX XXXX   XXXX XXXX I originally had my loan with ). As per the service specialist rep I spoke with, I made two separate payments XXXX & XXXX, respectively. On XX/XX/XXXX, I received a check from XXXX foe over payment of XXXX, which I promptly deposited into my bank. When XXXX XXXX took over from XXXX I started receiving bills again claiming I still owe money. I tried to contact them but they did not really look into it they just called to let me know I owe the money even after I explained. I tried to contact XXXX and/or XXXX but they are no longer in business. 
I am attaching a photo of the slip that was attached to the check and the cancelled check from the bank.
Product: Mortgage

Due to COVID-19 I requested a forbearance on my mortgage which is serviced by SunTrust bank. The forbearance began XX/XX/XXXX and and was extended through XX/XX/XXXX. I have documentation stating that my forbearance does not end until XX/XX/XXXX. While calling to reestablish payments, I discovered that SunTrust did not honor this forbearance. The most recent statement sent to me demanded payment in the amount of {$6900.00} on XX/XX/XXXX. Prior to calling to reestablish payments, I spoke with a SunTrust representative that explicitly stated under the CARES Act I had options in repaying my mortgage to include a payment plan or extending the length of my mortgage. SunTrust has not allowed me to do this. Again, based on the documentation that I have from SunTrust, my forbearance should not have even ended until XX/XX/XXXX. In addition to failing to honor my approved forbearance period, I have been assessed a late fee for a forbearance that hasn't ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Ally Financial has called me three times already on this phone ( I just got it in XXXX ). They call about contacting my sister about her auto loan. They were told that my number is not hers and that they need to be calling her instead. Im on the do not call list too ....
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.