23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an Unlimited Cash Rewards World XXXX XXXX ending in XXXX with Bank of America. I have been using an offer of 0 % interest on Direct Deposit and Check Cash Advances for that card and carrying a balance with 0 % interest from that offer. I made a purchase of {$2500.00} on XX/XX/XXXX and made a payment of {$2500.00} to cover the purchase to avoid accruing purchase interest. However my statement for XXXX ( date : XX/XX/XXXX ) showed an interest charge of {$21.00} and balance amount subject to interest was {$1100.00}. While unhappy about this I made another payment of {$1200.00} on XX/XX/XXXX to cover the amount carrying purchase APR. To my surprise, XXXX statement on XX/XX/XXXX wrote I am having an new purchase interest charge of {$27.00} with purchase balance subject to interest being {$1500.00}. I made no new purchase between XX/XX/XXXX to XX/XX/XXXX at all. While I made my best effort to cover my purchase to avoid purchase XXXX charge over two months following statement, and made no new purchase, I still could not cover the previous stated purchase balance. I contacted customer service however the customer service could not explain why this happened and blamed on me not understanding interest accrual. I could not find anywhere in BofA terms about how this could be explained. This misbehavior of BofA calls for tighter regulation on interest charge and credit card promotion advertising. BofA needs to correct this issue right now and reimburse the wrongly charged interest. BofA needs to clearly publish in the statement how to cover the amount subject to APR but not hiding details in the fine prints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday ( XX/XX/19 ) I filed for a {$170.00} Equifax settlement. I now hear on the news that it was a fraud. I supplied them with all my personal information,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  c/o Comenity bank reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.
Product: Vehicle loan or lease

We have constantly tried to get help from the lender. We stated that we had a hardship and loss our jobs due to Covid-19. We live in Georgia and care for an elderly parent. This is our only transportation. 

We called the lender today and they had advised us that the loan was charged off and the lender would not accept our payment. The last invoice that we received was XX/XX/2021 saying that we owe {$2200.00}. We called to make the payment on XX/XX/2021 and they stated that they would not accept the payment and the vehicle was charged off and will be repossessed. 

This is the first time that we heard about this. We did not receive anything in the mail. We have not received any help. They stated that they would help us but never did. They would advise that we make a payment then we could get help. We did make a payment with the promise to get help on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : 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: Vehicle loan or lease

Santander Consumer USA wrote off the balance of this credit sale, ( which is reporting as an installment loan ). This balance reported as late long after the property was sold.
Product: Vehicle loan or lease

IN XXXX I PAID MY CAR NOTE AND SET UP A PAYMENT PLAN. IN XXXX I COMPLETED THE PLAN, MY ACCOUNT WAS NEVER CREATED FOR PAYMENT. I HAVE SINCE PAID THE NOTE ON TIME EACH MONTH, SPOKE W/ A REP IN THE CORPORATE DEPT AND WAS TOLD THEY INDEED HAD NOT APPLIED MY PAYMENT. I WAS PROMISED IT WOULD BE FIXED, AS OF YET IN XXXX MY ACCOUNT IS STILL NOT UPDATED AND AFTER REQUESTING A CREDIT REPORT I SEE MY CREDIT IS BEING IMPACTED BY THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting inaccurate public record information and have failed to comply with 1681 ( i ) and are in violation of the FCRA I have opened now 2 disputes to delete public information that has several inaccuracies and they have failed to comply. This is an infringement upon my privacy and they must report 100 % accurate information Im providing documentation that they obtained from the Court that does not match what Lexis nexis is reporting.
Product: Checking or savings account

I opened a new Total Checking and Savings account with Chase Bank on XX/XX/. I received an advertisement in the mail offering a {$600.00} bonus if I opened both accounts. I received both bonuses and decided to close these accounts due to the low interest rates on them after shopping around. There was no way for me to close them online, so I called Chase 's customer service on XX/XX/. The employee I spoke with on the phone told me that they could close my account, but I would owe them the {$600.00} bonus funds since I hadn't had my account open for XXXX months. I asked them where in the fine print it said that I had to keep the account open for that period of time, and they said I had agreed to it by opening the account. I continued to ask for evidence of this policy and asked for documentation, and they continually repeated that they could not provide any. I escalated the issue up through two managers, and still no one could provide me with any hard evidence. I was told that I would have to go to a physical bank to get a copy of the fine print I signed. I was told there is no way for them to send it to me electronically. I found a Chase webpage that outlines a similar deal ( https : //account.chase.com/consumer/banking/seo ) and, as in my case, nowhere does this page or the links included on it mention anywhere that the account must remain open for 6 months to retain the bonus. All their webpage states is : " To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. '' The last manager I spoke with - XXXX, an account manager with Chase in Customer Service - advised me to submit a case for this issue and stated that this is the " first time this issue has happened. '' Yeah right. She said this would be a matter for their marketing department ; she placed me on a long hold and then returned saying she had requested information from them and that they would return to me in 3-5 days. I asked them why they were unable to connect me right away, and I was told their department doesn't take calls. XXXX stated the marketing department could provide me the terms and conditions for accounts, including the requirement that I keep my accounts open for 6 months to avoid the retraction of the bonus. I asked her to escalate the issue so that I would not be waiting days for a response, and she requested an " urgent request ' and said I should receive a call back XXXX hours later. I never received any call backs or responses at all from Chase. Your move Chase Bank, where are the receipts?
Product: Checking or savings account

I am not able to login to my Bank of America account. When I try to login via web I receive the following message : " XXXX Banking is not available to you at this time. 
Please call us at XXXX. '' When I try to login in the XXXX XXXX, after giving my credentials ( user-ID and password ) it does not open the app. It will return to the login screen. 

So, I called the XXXX number and the agent called " XXXX '' employee ID # XXXX told me that I have to come a branch office with XXXX photo ID documents to authenticate myself. I explained that I live overseas ( XXXX ) and that is not an option to me, since it would take XXXX of dollars to fly to XXXX XXXX Florida where my account was opened and it would take XXXX hours flight to get there. I also explained to the attendant that on XX/XX/year> ( barely XXXX weeks ago ) I was forced to travel to the XXXX for the same reason. My login access and also my XXXX XXXX XXXX was blocked by Bank of America for no reason. I made a payment with my credit card, which is a recurrent payment I make on a monthly basis and the transaction was rejected and my acccount blocked. 
On XX/XX/year> I went to my branch office in XXXX XXXX XXXX XXXX and met with a senior Bank representative who helped me unblock my access and my credit card. To avoid future issues like this, he recommended to install the XXXX XXXX  on my cellular phone. I bought a wireless cell phone plan from XXXX and with the Bank of America Financial Consultant 's help I installed the XXXX app and I was able to login and perform financial transactions. From the cellular phone I received all text messages sent to authenticate myself and enable the use of the XXXX XXXX 
During the last XXXX weeks, up until XX/XX/XXXX I was able to connect both via XXXX XXXX, receiving text verifications codes that I input in the BofA XXXX and also in the XXXX without any issues at all. 
So, I need Bank of America to use either my cellular phone number to send verification codes to authenticate me or even my registered on file e-mail account. I can not afford to travel to the XXXX from XXXX every XXXX weeks, or every time they decide to block my account for no reason whatsoever.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), 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 or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

FCRA XXXX mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report my personal information incorrectly. My name is XXXX XXXX there should be no other name or names listed on my consumer report. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. I have attached my identification and proof of my residency update my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, 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 XXXX 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 's inaction violates federal law and my rights as a consumer. without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts listed below 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 or other personal consumer reports

Inaccurate payment history was reported by SBNASELFLNDR Account number XXXX. It all began when I requested a credit report and I SBNASELFLNDR that SBNASELFLNDR bank reported 30 days late on my credit report, I immediately called SBNASELFLNDR to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, SBNASELFLNDR the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to SBNASELFLNDR bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Product: Money transfer, virtual currency, or money service

I have been a PayPal user for a while only for me to receive payment on faithful Sunday and PayPal asked for some documents of which I presented but only for me to see that my account has been permanently blocked and my fund held for 180 days
Product: Credit card or prepaid card

I was told that my card was wrongly shipped originally just for it to have been correct and I now have two cards. I had questions about the card I registered with because it was an inactive card and instead of helping me I got the run around for 4 hours out of my day. The employees told me to keep calling the number on the back of my new card making it inactive and then they refused to unblock the card even though they told me that it is possible for someone in the company to unblock my card. I was then transferred to a supervisor where I asked him for his name so I could give my complaint and he only told me his first name ( XXXX ) he then talked over me while I asked my questions and gave the goodbye portion of the call hanging up in my face.
Product: Credit reporting or other personal consumer reports

Hi this is XXXX Please help me to stop all the disputes that I been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank accounts that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00}
Product: Student loan

a company called national Advisory was going to manage my student loan debt, Ive sent them XXXX per month for the last 5 months, but have heard nothing from them. I called the Federal Student Loan office and they have never heard of this company. this company does not return phone calls.
Product: Mortgage

My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a letter to Equifax to correct an account that they are reporting inaccurately, and it is effecting my ability to purchase a home. 
They have done nothing with the investigation. 

This account is closed and paid in full and they are reporting a payment status as " at least 120 days or more than four payments past due '' which is completely inaccurate considering they clearly show in the XXXX year history that XXXX XXXX XX/XX/XXXX there was all on time payments. This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I am still having a negative collection being reported to my credit after being paid in full
Product: Checking or savings account

In early XXXX I received a mailer from HSBC advertising an offer available at " us.hsbc.com/500directdeposit2 '' for a {$500.00} Welcome Deposit if I 1 ) opened a Premier Checking account between XXXX XXXX XXXX, and 2 ) made recurring direct deposits totaling at least {$5000.00} per month for 3 consecutive calendar months from the 2nd full calendar month after account opening. I opened an account using my personalized code via that website on XX/XX/XXXX, satisfying requirement 1. I made direct deposits totaling > {$5000.00} via my employer payroll during each month from XXXX until today, satisfying requirement 2. I have not received the Welcome Deposit as of today. Per the terms, I should have received the Deposit within 8 weeks after completing all qualifying activities. I completed all qualifying activities as of the end of XXXX, and thus should have received the deposit by the end of XXXX.
Product: Debt collection

Someone from XXXX XXXX keeps calling saying I owe {$4600.00} from XXXX for something I know nothing about. They refuse to send me info on this through the mail, were rude and hateful to me and my wife, and say I'm going to have to go to court. They say im self employed snd have been paying on this for years. There is nothing on my credit report to show anything.