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

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
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 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 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 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 Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Product: Prepaid card

Received a gift card for XXXX have not been able to add to my XXXX wallet, tried purchasing a program and it was declined on. XX/XX/17
Product: Mortgage

Ditech Financial messed up and incorrectly figured the property taxes in our escrow. Because of this, they refunded us around {$3000.00} a year ago and lowered our monthly payment. This year, they expect us to be able to not only make up for the shortage ( {$2100.00} ) they caused when miscalculating, but they want us to cover and additional {$3500.00} " cushion '' they've decided needs to be in the escrow. This raises our mortgage payment by over {$800.00} per month for a year, which isn't possible for us to do. I spoke to several people and none was willing to do anything. My feeling is that they should have to eat their mistake and I can make up the shortage of {$2100.00} over the next year. Can anyone help us?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to correct late payment information associated with my account. Despite my persistent efforts and numerous communications, the late open account history continues to negatively impact my credit profile, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to rectify and update the late payment information on my account. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the late payment history remains unresolved. 

It is extremely concerning and distressing to see that despite my repeated attempts and persistence, the late payment information continues to tarnish my credit report and hinder my financial well-being. These unresolved late payments not only affect my credit score but also limit my access to favorable financial opportunities and services. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of late payment information on my account have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit profile. The repeated failures to correct this issue not only undermine my confidence in your institution 's ability to handle customer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all late payment information be promptly corrected and updated to accurately reflect my payment history. Additionally, I expect measures to be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards correcting the late payment information on my account. 

Please consider this letter as a formal complaint regarding the handling of the late open account information associated with my account. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$78000.00} ; XXXX XXXX Balance : {$19000.00}.
Product: Checking or savings account

There is way too many inconsistencies and misleading information with Bank of America. 
XXXX XXXX a merchant charged me {$360.00} to my account after I canceled within the trial date timeframe. ( I have proof of conversations to cancel within the same day ) I called Bank of America and filed a claim in which they said it will be 45 days. After 45 days, I called back and was then told it will be 90 days. 
90 days later and still no credit back to my account or even a temporary credit. However when I called today, I was told that the merchant has 2 opportunities to respond. 

.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within XXXX business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

This company called PENN Credit collections has put a negative remark on my credit report. I see allot of negative reviews nationwide. I know I cant reason with them All I see is a false claims from Utilities from year XXXX for {$430.00} All it says. I am disputing this Probably just trying to bilk me out of monies. 
If thats all I see then my thought is Fraud This company should be closed by the Government ripping people off.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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: Credit card

I contacted a business called XXXX on XX/XX/2023. XXXX was listed on line as a customer service representative of Frontier Airlines. I was told over the phone, that for a fee of {$99.00}, that they would reverse the fees charged for XXXX air flight tickets, and return the XXXX XXXX, I used to the tickets. I gave them my credit card number at that point, and they charged my credit card the {$99.00}. Then the company did absolutely nothing, for my previous payments for the flight tickets. When I discover I had lost everything paid for the flight tickets, I recontated XXXX at XXXX. I was put on hold for several minutes, then disconnected. I then searched the company online and discovered that it is a total fraud company, and had tried to steal from XXXX of people. I then contact Barclays and reported the fraudulent charge, and gave them all the information, and that I had received absolutely no service from this company. 
Barclays originally reversed the charge, then put the charge back on my account on XX/XX/XXXX. And gave me no information on what I was charged for.I believe Barclays, or someone within Barclays may be a party to this XXXX XXXX. 
Barclays continued to call me to the point of harassment, for more information, after I told them there was no more information. But, would not give me any information on what the service I was charged for. Then sent me some papers that were totally in legible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This furnisher is in direct violation of FCRA section 623, which states that a furnisher must not report inaccurate consumer information to CRA ( s ). The US DEPT OF EDUCATION, has been reporting student loans in incorrect status to ALL credit reporting agencies ( XXXX, XXXX XXXX ). Student loan status should be reporting as on time payments accordance with Section 3513 subsection ( d ) of the cares act. The resolution that I am seeking, is an updated paid to as if it were a regularly scheduled payment made by a borrower in accordance to the cares act section 3513 subsection D.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint against Barclays Bank regarding their denial of my application for a XXXX Airline XXXX XXXX MasterCard based on inaccurate information provided by their collections office. This issue has significantly impacted my creditworthiness and my ability to secure credit. 

Upon applying for the XXXX Airline XXXX XXXX MasterCard, I was informed that my application was denied due to a reported delinquency on an XXXX credit card from 2003. I categorically state that this account is not mine. Moreover, even if it were, the statute of limitations would have rendered this account ineligible to appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am entitled to a fair and accurate credit report. This federal law mandates that all information on my credit reports be accurate and verifiable. The continued presence of this erroneous account on my credit report constitutes a clear violation of this mandate and has adversely affected my creditworthiness. 

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include in a consumer report any adverse item of information that is more than seven years old, other than records of convictions of crimes. The alleged delinquency from 2003 clearly falls outside this permissible reporting period. 

In light of these provisions, I am requesting the immediate deletion of this false account from Barclays Bank 's records and my credit report. Failure to rectify this situation promptly will compel me to take legal action to enforce my rights under the FCRA. 

I trust that the Consumer Financial Protection Bureau will investigate this matter and ensure that Barclays Bank complies with the legal requirements for maintaining accurate credit reports. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint concerns " vanishing '' reward points on my Chase Sapphire card. I had XXXX reward points worth {$24.00}. I chose to redeem these for an Amazon gift card to be delivered to me by mail. 

Chase confirmed my order via email ( confirmation # XXXX ) and stated that my Amazon gift card should arrive by XX/XX/2019 ( copy of Chase email attached ). 

The gift card has not arrived, but my Chase Sapphire account now indicates " XXXX '' reward points. Chase has eliminated my reward points, but I have not received an Amazon gift card. 

I have logged into my Chase Sapphire account and messaged Chase about this matter, but have not received any response. 

My name and account information are as follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Chase Sapphire account ending in XXXX.
Product: Debt collection

Dear CFPB, On XXXX XXXX, 2015 I contacted National Credit Systems XXXX Inc., and I spoke with representative XXXX XXXX about a debt they Reported to the creditors in the amount of {$1700.00}. I requested a debt settlement offer for {$1000.00}. In which I was denied. XXXX days latter, requested a settlement offer for {$1200.00}. And on the XXXX of XXXX, I was told my offer was denied and they were not accepting any offers, and that the account had to be paid in full by XXXX XXXX, 2015, and if not paid in full by that date the amount owed will increase and the new amount would be reported to the credit bureaus. So, to avoid any more negatives to my creditors I paid the amount in full on XXXX XXXX, 2015. To my astonishment, on XXXX XXXX, I received a letter from XXXX XXXX, stating that they are offering a XXXX percent settlement in the amount of {$880.00}, I was shocked! And hurt to know that they would go to such extreme to be deceptive just to obtain the full amount. However, I would like for the company to honor the 50 percent settlement offer, and return {$880.00} in certified check.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ). 
Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you block and delete all accounts, inquiries, and any other fraudulent information resulting from this identity theft from my credit file.
Product: Mortgage

The Freedom Mortgage Company wants to charge mye a fee to cancel my Mortgage Insurance after I have met the State and Federal requirements to cancel the Insurance. They are forcing me to pay their insurance cost illegally, while making the process of cancelling impossible and costly. This is not proper business practice. There is no phone line, they will not accept payment from my account or from a debit card over the phone. They will only accept one payment method, which is check via mail, and they are refusing to send the paperwork to cancel this insruance. I am at a loss with calling their customer service who has put me on hold for hours.
Product: Credit reporting or other personal consumer reports

In order to ensure fairness to me as a consumer, I request that you promptly delete and update my credit report to reflect accurate information. Despite my efforts to bring these inaccuracies to your attention, they continue to be reported, leading to multiple denials and significant mental distress. I will not tolerate this ongoing issue and will pursue legal action if it is not resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Mortgage

Trying to obtain a payoff from Planet Home Lending, on XXXX/XXXX/2015 we faxed an authorization to release the mortgage payoff signed by the borrower. We follow up with the lender and was told that they did not received the payoff. We resent the request and follow up with a phone call to make sure the request was received. We were then told that the payoff was sent via Fax and for us to check our fax. We checked and saw no fax. We called back and was then told that they called the borrower and the borrower stated ; to not send us the payoff but to XXXX XXXX XXXX, which was not soo. We called the borrower and he stated that XXXX XXXX XXXX need the payoff to movwe the loan forward so when he called he told them to send to XXXX XXXX XXXX, he assumed that they would still send us the payoff we requested. So he called them after our conversation to clarify that they need to send XXXX XXXX XXXX company the payoff as well and that he was closing on XXXX/XXXX/2015. We need your help. We were hung up on twice by XXXX XXXX and was lied to that the borrower did not call them to authorize us getting the payoff, although we sent the XXXX authorization via FAX. This company should not be in the servicing business, they are like a boiler room!
Product: Payday loan, title loan, or personal loan

Good morning, I am trying to obtain a lien release letter for a vehicle. The vehicle was purchased and paid off approximately 10 years ago by my parents. My mother recently passed away and I am the Executor of her estate. I am trying to assist my father in obtaining the title for this vehicle so everything can be switched to his name. I can not get a title for this vehicle until I provide a lien release letter to the motor vehicle. The loan was originally obtained through the XXXX XXXXXXXX XXXX XXXX. After doing some research, I found out that this company was brought by Capital One. My Dad and I went to a local branch and tried to obtain the lien information in XXXX, but there was no record of it. I came across the FDIC after further research and it was suggested to contact Capital One directly, however I did that already and was unsuccessful.
Product: Vehicle loan or lease

The company denied me an auto loan twice. Per Title 15 USC 1611, the transaction is based off of my unlimited credit.
Product: Mortgage

I was approved for a short sale by US Bank. In XX/XX/XXXX, I was told by the relationship manager, XXXX XXXX that the negotiator was not able to contact the realtor since it was non-working number, I forwarded the information, which they had, to XXXX XXXX. Then in XX/XX/XXXX XXXX XXXX  informed me that the case had been closed since the Negotiator was not able to contact the realtor, XXXX XXXX. XXXX XXXX realized that once again, they had the incorrect phone number for XXXX XXXX, despite me supplying the correct number from the onset of the case. XXXX XXXX informed me, " the case would remain closed despite them, dropping the ball, but will give XXXX XXXX time to submit documents. '' ( see attachments ) Since that time there has been communication between the parties. The realtor has complied with her request. However, the negotiator, XXXX XXXX XXXX, has failed to misinform and miscommunicate what documents were needed exactly adn has stated that the documents were not submitted. Therefore the case remains closed and the short sale has been denied.. XXXX XXXX has mismanaged the case at my expense.
Product: Credit card or prepaid card

Fraudulent card opened under my name with the following information. Citibank is not able to find and close the account. It is a case of identity theft. 

A new account has been opened XXXX XXXX, 2017 Address XXXX XXXX XXXX   XXXX XXXX, SD, XXXX Account Balance {$110.00} Account Number XXXX Creditor Name CITICARDS CBNA Industry Type All Banks