23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

BofA has taken punitive and retaliatory action against me as soon as they received my complaint from CFPB filed on XX/XX/XXXX ( ID : XXXX ). you can see by the time line below that after the auto pay stopped working I was still able to use my card after the late fee was incurred. This is all verified by their records. Only after the complaint landed, they chose to abuse their power and cancel my card. With no notification I might add. This company is engaging in multiple actions of malfeasance and must be held accountable. 

XX/XX/XXXX My account charged late fee {$25.00} XX/XX/XXXX I used my CC successfully at XXXX XXXX store XX/XX/XXXX I filed complaint with CFPB XX/XX/XXXX I received email for XXXX XXXX acknowledging they received compliant. 
XX/XX/XXXX I called XXXX XXXX per her request in the email. Left V mail. 
XX/XX/XXXX I was denied use of CC for another purchase. 

Bank of America Cash Rewards World MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. DP OF EDUC Account Number : XXXX BAL : {$0.00} 2. DP OF EDUC Account Number : XXXX BAL : {$0.00} 3. DP OF EDUC Account Number : XXXX BAL : {$0.00} 4. DP OF EDUC Account Number : XXXX BAL : {$0.00} 5. DP OF EDUC Account Number : XXXX BAL : {$0.00} 6. DP OF EDUC Account Number : XXXX BAL : {$0.00} 7. DP OF EDUC Account Number : XXXX BAL : {$0.00} 8. DP OF EDUC Account Number : XXXX BAL : {$0.00} 9. DP OF EDUC Account Number : XXXX BAL : {$0.00} 10. DP OF EDUC Account Number : XXXX BAL : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a home loan on the XXXX. On the XXXX, another application was submitted through a different group. While XXXX  and XXXX  took off the second application on my hard inquiries, TransUnion did not and has still not. I contacted them via phone call on XX/XX/XXXX to get them to do so and they said that on their end it is considered as one inquiry but that it will remain visible on my credit report for the two year time period and that if I want it removed from the report I would have to obtain a letter from the creditor myself saying that they authorize its removal.
Product: Credit reporting or other personal consumer reports

Capital one alleging it misled customers about interest rates on 360 Savings accounts by not informing them of a higher-yield interest. Capital One promises and handling of its 360 Savings accounts, which were promoted as accounts providing one of the highest interest rates in the nation. But instead, the CFPB alleges, Capital One froze its rate at a low level for at least several years, even as rates rose nationally.
Product: Credit card or prepaid card

I opened the Chase UA Quest Credit Card on XX/XX/XXXX. This Credit card comes with {$120.00} United Airlines Ticketct fee credit for each card anniversary year. When I plan my trip for XXXX this year, I am not sure what exactly the annual card anniversary year is defined in Chase, so I sent a secure message to Chase card service, and get confirmation that the annual card anniversary date renews each year at the same date of account opening date, which means the UA {$120.00} credit renewed each year after XX/XX/XXXX. The secure message from Chase confirmed this is attached to the complaint. Also, in Chase 's UA XXXX website, it clearly defined : " Anniversary is the date that is twelve months after credit card account open date, and the same date each twelve months thereafter. See the link : XXXX XXXX XXXX I also attached the PDF of the webpage and highlight in yellow ( at page 4 ). All confirmed that the UA {$120.00} credit should renew after XX/XX/XXXX, since XX/XX/XXXX is my account open date. However, Chase refuse to provide the annual UA {$120.00} credit to my purchase of UA air ticket on XX/XX/XXXX for {$120.00}. The response from Chase customer service is : the anniversary date is the account statement date, not the account opening date, so the annual credit renewal should be on XX/XX/XXXX, rather than XX/XX/XXXX. This is unacceptable, since first, I contact you at first to confirm the credit will be renewed after XX/XX/XXXX, then I planned my trip on early XXXX, otherwise, I will plan my trip in XXXX. Second, as I said before, on Chase UA XXXX  credit card website it clearly defined the " Anniversary is the date that is twelve months after credit card account open date, NOT the statement closing date. I have explained this several times to Chase customer support, and they are not willing to fix their mistake. This is fraud and please be consistent in what you are telling the customer, and fix your mistake.
Product: Debt collection

I bought a car while I was in the process of filing chapter XXXX bankruptcy in XXXX. I finance the car through Tidewater Finance Company. It was a XXXX XXXX XXXX. Because my chapter XXXX had not been completed and discharged when i purchased the car, it was also included in the bankruptcy. I fell on hard times in XXXX and the car was voluntarily repossessed because the motor went out and I did not have the money to repair it. Even though it was included in the bankruptcy, they still continue to come after me and will not remove it from my credit report. This is not right. They resold the car and got there money. I want this permanently deleted off my credit report please.
Product: Credit card or prepaid card

On XX/XX/2023 I called to dispute charges on my account. 
Here are all of the people I spoke to : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX of them could help me complete my task. XXXX gave me the number for the " dispute department '' which was XXXX. 

Then I was transferred by him to XXXX, who said she is a customer service rep in the credit department. 

She transferred me to her supervisor XXXX, who said she is trained in handling disputes. I didn't want to talk to her and wanted her to transfer me directly to the dispute department. She refused several times. 

She hung up and I called the XXXX number and spoke with XXXX XXXX who said she was in the Account Services department and could not process disputes. 

Then she said she would transfer me to her supervisor. After more than XXXX minutes on hold, I spoke with XXXX, a supervisor in the " credit area '' from Florida. 

He was unable to help me, so I asked for his supervisor. He said all of his supervisors were unavailable and that it would take XXXX to XXXX hours for a a supervisor to call me back.
Product: Credit card

In good faith, I XXXX XXXX XXXX, Agent on behalf of XXXX XXXX XXXX XXXX XXXX accept all titles, rights, interest, and equity owed to XXXX XXXX XXXX. Upon reading and studying XXXX XXXX XXXX filings and Indenture Agreement between XXXX XXXX and the Bank of New York Mellon XXXX XXXX have discovered securities fraud to be conducted within the company. I want to begin by first explaining how securities fraud is being conducted within the XXXX XXXX XXXX. I would like to take your attention to page XXXX of XXXX XXXX XXXX filings LONG-TERM DEBT AND ASSET SECURITIZATION PROGRAMS. This states, We periodically securitize XXXX XXXX loans and receivables arising from our XXXX card business, as the securitization market provides us with cost-effective funding. Securitization of XXXX XXXX loans and receivables is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third-party investors. This is a barter transaction so if I need to contact the IRS to tell them I gave XXXX XXXX exchange of security and XXXX XXXX decided not to comply, I will file against your charter. 

Due to XXXX XXXX selling consumers securities/applications to third parties investors this amounts to securities fraud with accordance to the rules and regulations from the Securities Exchange Commission XXXX SEC ) XXXX strictly prohibits companies selling consumers Global Securities XXXX XXXX secondary market. 

The transfer of XXXX started when I gave an application for an extension of credit by applying through the respective companies website. The XXXX Security is then electronically transferred to XXXX XXXX XXXX XXXX is then transferred to the Bank of New York Mellon XXXX XXXX Trustee. 

Each Security has an attached unique CUSIP number ( Committee on Uniform Securities Identification Procedures ) which allows the use of CUSIP numbers for identification purposes in the issuance and redemption of Securities. On XX/XX/year> I applied for an XXXX XXXX XXXX XXXX XXXX XXXX and on XX/XX/year> I applied for an XXXX XXXX XXXX XXXX XXXX and was denied even though value being my XXXX XXXX, was given to The Company.
Product: Debt collection

On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account XXXX XXXXXXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. Furthermore, despite inaccurately reporting to XXXX that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.
Product: Debt collection

Dear Consumer, Financial Protection Bureau, I am writing to bring to your attention a matter concerning my credit report and the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ). As per this federal law, it is required that Experian verify all accounts posted on a credit report through the physical verification of the original signed consumer contract, they have failed to do so. 

I have previously disputed the XXXX XXXX XXXX  XXXX accounts on multiple occasions, but I have not received proper debt validations for the alleged debts in question from the debt collector. Therefore, I kindly request that you take the necessary steps to delete the following two accounts from my Experian credit profile : 1. XXXX XXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX XXXX  XXXX Account # XXXX I trust that you will investigate this matter and take appropriate action in line with the Fair Credit Reporting Act. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear CFPB, I have a credit freeze with all XXXX major credit reporting agencies. I am routinely able to temporarily lift my freeze with XXXX and XXXX. I am however unable to lift it with Experian. I have written them several times ( XXXX XXXX XXXX, TX XXXX ). Each time they send me a new pin, but I am still unable to lift the freeze. They do not tell my why and they do not provide any means for me to contact them to resolve this issue. I can only assume they have some incorrect information about me ( birthday etc ), but because I do not know what it is, I am unable to provide the correct information, even if I had some way to contact them. Thank you very much.
Product: Credit reporting

There are XXXX names on my credit report that are not mine and I have never used - XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that my personal information be updated with XXXX, Equifax and XXXX. As of this date this information has not been updated.
Product: Credit reporting or other personal consumer reports

Company is reporting that I have XXXX late payments on my credit report, which I have proof that Ive paid the loan throughout the duration of the time theyve reported it was late. They also closed my limited checking account that I opened with them that I intended to only use as an account that I would pay the loan from, without my knowledge or reason to why they closed my account. Which made it difficult to transfer money from an external account, which also resulted in late fees.
Product: Student loan

On XX/XX/year> I receive an unexpected letter from Aidvantage that my student loans would be put into administrative forbearance and interest will not accrue. The letter ( attached ) clearly states While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. Prior to this I was in an Income Driven Repayment plan where my XX/XX/year> payment of {$1300.00} had a principle portion of {$89.00} and interest portion of {$1200.00}. After I received the XX/XX/XXXX letter I immediately called Aidvantage because I did not request the forbearance and they verified the letter. I decided to stay in the administrative forbearance because no interest would accrue and it seemed like it would be only a short time. Subsequent months on my account show {$0.00} for interest, capitalized principle and payment ( see attachment ). 

Around end of summer, I decided I would like to go into a standard payment plan, which would slightly increase my payment to about $ XXXX ( {$1600.00} ) but also increase the principle portion to about $ XXXX. I went over various options with the call center representative and selected this option. I was very surprised the following months where my entire payment goes toward interest and {$0.00} goes toward principle. Over the last month, Ive reached out to Aidvantage several times via phone and email. I get generic responses from their email replies on What daily interest is and when I call the call center Im told they are unable to handle it and they will escalate it for review or a manager will call me back in 24-48 hours. Responses from the escalation are the same daily interest responses and a manager has never returned my call.

During one of my many calls to Aidvantage, I did get an explanation that my account had capitalized interest. I asked How could that be when Ive been making all my payment or I was put in administrative forbearance against my will which states that 0 % interest would accrue I did not get a response. I also told the representative I have two letter stating I was in administrative forbearance ( XX/XX/year> and XX/XX/year> ; see attachments ). I requested that Aidvantage go back to before when my balance started increasing and take away the the proper payments ( ~ $ XXXX for each of the months ). The response I got was that they are unable to do so and manager would call me back. I never got a call back. 

Looking at several social media sites including XXXX, Im not alone on this exact issue. I believe strong intervention and penalties are required against Aidvantage.
Product: Payday loan, title loan, or personal loan

Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds XXXX percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds XXXX percent for transactions involving amounts totaling more than {$500000.00}. 

Your interest rates far exceed the upper limits of the statute. 

At this time I am requesting a return email acknowledging that my loan has been paid in full or canceled and has been removed from my credit report. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please respond to this email with acknowledgment that my account has been satisfied in full. 



Sincerely, XXXX XXXX
Product: Mortgage

I BECAME XXXX IN XX/XX/2019 AND ENDED UP IN A VA XXXX AND THEN A VA XXXX XXXX. UPON, MY RELEASE FROM XXXX, I CONTACTED MY MORTGAGE COMPANY ( FREEDOM MORTGAGE ) ; TO INQUIRE ABOUT A LOAN MODIFICATION, DUE TO MISSING A FEW PAYMENTS. I WAS SENT THE INFORMATION TO FILL OUT AND RETURN, WHICH I DID. I HAVE BEEN TRYING FOR 2 YEARS ALMOST FOR THE LOAN MODIFICATION. I HAVE COMPLETED SEVERAL PACKAGES DUE TO FREEDOM MORTGAGE CLAIMING A DOCUMENT IS ALWAYS MISSING OR SEVERAL ARE MISSING. I FINALLY GOT THEM TO ACCEPT A PACKAGE ONLY TO BE TOLD THAT ONE OF THE FORMS FOR ME TO SIGN XXXX OBSOLETE. THEY SENT ANOTHER FORM TO SIGN AND I EMAILED IT TO FREEDOM MORTGAGE. WHEN I CHECKED ON THE STATUS BECAUSE I HADN'T HEARD FROM FREEDOM MORTGAGE ; I WAS TOLD THE EMAIL WAS RECIEVED IN XXXX, BUT THEY COULDN'T READ IT. SO, I REPLIED WHEN WAS SOMEONE GOING TO CONTACT ME AND THEN I WAS TOLD THAT I WOULD HAVE TO START A COMPLETELY NEW APPLICATIOON. THIS MATTER HAS BE STRESSFUL AND VERY DISCOURAGING. FOR 2 YEARS I HAVE BEEN CHARGED LATE FEES AND INTEREST ON THE LATE PAYMENTS. IT HAS WENT FROM A LITTTLE TO A LOT OF MONEY. I FEEL, THAT I AM BEING DISCRIMINATED AGAINST, DUE TO MY XXXX ( XXXX MAN AND BEING A XXXX XXXX VETERAN ). " I KNOW I AM NOT THE ONLY TO GO THROUGH THIS. I KNOW I WON'T BE THE LAST TO GO THROUGH THIS, BUT AT LEAST I WANT ELSE TO UNDERSTAND THAT THIS IS UNFAIR AND THIS IS NOT RIGHT. JUST XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have attempted to have repayment plans with Navient multiple times now. I was on an auto payment plan with Navient that was charging up to XXXX a month. I begged them for lower but they refused. My payments suddenly stopped in XXXX of XXXX. I called them in XXXX when I noticed. They claimed in XXXX that I am under a " emergency forebearance ''. There is no emergency in my area or my co-signers area. The caller refused to explain or remove the forebearance. I told her I just want to make my monthly payments. She said she would get it removed. She told me everything with my payment plan was fine. One month later, no payment is processed again. I called Navient XX/XX/XXXX. I spoke to another person who claims I have no payment plan and my payment isnt due until XXXX. I asked her to explain to me why my payment plan stopped and she won't give any information. 

I received a letter in the mail that said the forebearance was gone so my payment plan should resume. She says I can't be on the same payment plan for XXXX because of my " credit ''. I asked her multiple times to explain this to me specifically. My credit score is fair. She demands I have to now pay XXXX a month. I asked her again why cant I pay what I have been paying. She keeps claiming " credit '' but refuses to explain. I asked to speak to someone else because she is refusing to help me. She brings on someone else who tells me that they have no obligation to help me, work with me or to try to help me lower my payments. She refused to explain why my payment changed from XXXX in XXXX to now them wanting XXXX dollars. She told me to have a good day so I hung up. I don't understand what happened, what changed and why wouldn't they just continue my same plan? Why is it unreasonable for me to call and ask? I had been paying them on time every month since then. Now because my jump in payments I am behind. I went onto Navient 's website and they had a repayment plan for XXXX. This is cheaper than what she even said. None of this makes any sense, this company is completely disorganized. 

I am on XXXX for XXXX and get one paycheck a month. I don't understand why they can't work with me and allow me to continue paying XXXX a month and they refused to explain it to me over the phone or in writing. Instead, they not only refuse me, but gaslight me then insult me and make me even more concerned. Unprofessional.