23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Bank of America on XX/XX/year> to pay off my credit card. I spoke with XXXX XXXX. She gave me the payoff amount {$2600.00}. I paid the amount using my XXXX XXXX debit card. I was given a confirmation number and was told she would call me the next day and I would be able to close my account at that time. She never called. 
I became curious, looked online and saw that there was no pending transaction.

I called again, spoke with some rude person, she said takes 24-48 to process. I told her should show it has been paid even if it is " processing '' my payment was immediate. She hung up on me. I called back and couple of other times and apparently, Bank of America uses remote work from home agents, after 4 other calls, rude, hang ups etc. I gave up. 
I called XX/XX/year> and spoke with XXXX and was informed that the payoff was applied to the wrong account. It was applied to an account of mine that has been closed for more than 2 years. He said he would complete a form and it would be immediately transfered and applied to the correct account. I expressed my concern because by this time I had received a late notice and was concerned this Bank of America error would affect my credit rating. He assured me I would not receive any furture late messages and everything would reflect the bank error. On XX/XX/year> after receivig another late payment email from Bank of America, I logged in and saw that the {$2.00}, XXXX deposit into the closed account was withdrawn on XX/XX/year> and still has not been applied to pay off the credit card balance. I called Bank of America and spoke with XXXX and he confirmed this all to be true and would complete another form and it should be resolved in 7-10 days. Meanwhile Bank of America has the money I paid to pay the card off and has still not applied it to account and I am still receiving late notices.
Product: Mortgage

On XXXX XXXX, 2020, I received a letter from Flagstar Bank indicating the flood insurance on our property does not meet their minimum coverage. The directions in the letter said to increase the flood coverage by {$19000.00} within 45 days or the difference would be applied to my loan. On XXXX XXXX, 2020, I emailed a copy of my flood insurance declaration page which showed the increased coverage to the email address requested. I received an email back from Flagstar noting receipt of the information and their files would be updated shortly. I called on XX/XX/XXXX and XX/XX/XXXX to confirm receipt of coverage. The rep said yes and everything was ok. On XX/XX/XXXX, I received a letter from Flagstar saying I never increased the coverage and their took money out of my escrow to buy coverage. I called Flagstar and an XXXX of the leadership team said she had to hand in a ticket to waive the Flagstar added coverage and to reimburse me. She said it would take 2 weeks. I called back and Flagstar keeps saying they have to hand in a ticket and it will take 2 weeks. They promise to call me back but never do. I wrote a letter on XX/XX/XXXX and they never responded. I have called every several weeks since then with no resolution.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00}
Product: Checking or savings account

I opened a Total Checking Account on XX/XX/XXXX in branch. The deposit agreement I was provided gave me the right to opt out of the mandatory arbitration clause within 60 days of account opening. This agreement stated that I could opt out either with a personal bank or by calling the standard XXXX number to reach Chase.

I asked the personal banker at the time of account opening if I could opt out, referencing the relevant clause. The personal banker indicated that she did not know how to opt customers out of arbitration and had never heard of it. She wrote down the number provided in the agreement on a stick note and encouraged me to call them to ask to be opted out.

I asked Chase to opt out of the mandatory arbitration agreement in a secure message on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that my request had been forwarded to research and that I would receive a response in 5 business days. I have not received a response.

I recently called the number provided in the deposit agreement and asked to opt out of mandatory arbitration. The first-level customer service representative escalated me to a supervisor, who said she'd never heard of this and would refer the matter to research.

I have not received any response.
Product: Credit card or prepaid card

We went on a trip last year and used XXXX XXXX for transportation. We had 3 trips ( XXXX to XXXX then to XXXX and finally to XXXX. We called at the time this was occurring. The total for the trip -- according to the company -- was XXXX euros ( about {$1700.00} then ). BoA charge us {$2500.00} for those charges. We called numerous times then. Everytime, we were on hold for at least 1 hr. Then we were transferred, and many times the called was dropped and I had to call again. I asked for the name or extension that I could call back. They refused. The only name as was given was of a person from XXXX XXXX -- and that turned out false. He was in Tennessee and he did not work for that division. I have emails from XXXX  XXXX  indicating they only received the XXXX euros. Someone collected that {$1200.00} difference! They finally sent me a letter that they terminated the investigation. Everytime I called they stated that it would take 2 months to get to the bottom of it. After being a preferred client for 40 years with them and having about {$50000.00} in the bank ( savings and checking ), I had to switch to XXXX because I did not trust BoA any more. XXXX suggested that I contact you about this. I can not conceive how a {$1700.00} bill should require a {$2500.00} payment.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have repeatedly contacted me at work and home at all hours. They have used abusive language and threats. The numbers they have been calling from I had to do a XXXX search to find out who they are. I have no written communications from them and When I ask who they are they tell me I don't need to know.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 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 card or prepaid card

I applied for the American Express card on the website and there was no pop-up and mentioned I am eligible for the welcome offer on XX/XX/2020. The welcome offer is XXXX delta points after spending {$3000.00}. 

In XXXX I called American Express and verified I am eligible for the welcome offer and because of the XXXX, they extend spending time from 3 months to 6 months. 

After finished spending in XXXX, American Express told me it should take them 4-6 weeks to process the welcome offer and the last day I should receive the welcome offer is XXXX XXXX. 

I just called them today ( XX/XX/2020 ) to check on the welcome offer, but American Express told me I am not eligible because of the welcome offer from a different XXXX XXXX. 

I paid a {$190.00} annual fee and didn't receive benefits. I didn't receive a welcome offer after spending money, and American Express didn't tell me I am not eligible when I applied for this card and when I finished spending this card. As a consumer, I feel insulted and tricked by American Express.
Product: Vehicle loan or lease

I noticed my interest rate was 22 % APR. I contacted Santander Consumer on XX/XX/23 to retrieve a copy of my contract because I never signed anything that said my interest rate was that high. Santander said they were unable to send me a copy because it is illegal. I contacted the dealer I got the car from and they sent me a contract that had NO signature of mine anywhere. I asked them where was the paperwork I signed when I got the car and thwy said they have no record of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT IS AGAINST TRANSUNION FOR THEIR REFUSAL TO RE-INVESTIGATE ERRORS ON MY CONSUMER CREDIT REPORT. TRANSUNION RECEIVED A VALID DISPUTE LETTER DATED XX/XX/XXXX2025 VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNIN SIGNED FOR THIS DISPUTE LETTER ON XXXX, XXXX, 2025. AFTER RECEIVING THIS LETTER, TRANUNION IMMEDIATELY ON THE XXXX OF XXXX SENT ME A LETTER SAYING THEY WERE NOT GOING TO PROCESS MY DISPUTE REQUEST. THE REASON GIVEN IS NOT A VALID FCRA REASON TO REFUSE A VALID WRITTEN DISPUTE REINVESTIGATION REQUEST FOR THE INACCURATE, AND INCOMPLETE INFORMATION CLEARLY IDENTIFIED IN THE INITIAL DISPUTE. 

TRANSUNION FAILED TO DO THEIR FEDERALLY REGULATED LAWFUL RESPONSIBILITY AS OUTLINED IN THE FAIR CREDIT REPORTING ACT TO CONDUCT AND CONCLUDE A RE-INVESTIGATION WITHIN OR BY THE END OF 30 DAY TIME PERIOD. 

I WILL RE-SUBMIT THE INITIAL DISPUTE THROUGH MY PERSONAL CFPB COMPLAINT PORTAL SO THERE WILL BE NO FURTHER SPECULATION OF ITS ORIGINS AND ALSO, THIS COMPLAINT WILL ALSO SERV AS MY LETTER OF INTENT TO SUE FOR DAMAGES AND WILL NOTIFY THEIR LEGAL DEPT. OF MY INTENT TO SUE TRANSUNION FOR DAMAGES FOR FOR THEIR FAILURE TO CONDUCT A REINVESTIGATION AND FOR THE REPORTING OF INACCURATE AND INCOMPLETE INFORMATION BOTH OF WHICH ARE VIOLATIONS OF 15.USC. 1681i and 15.USC.1681e ( b ) FOR FOR EACH OF THE DISPUTED ACCOUNTS.
Product: Mortgage

BOA target my wife for retaliation XX/XX/XXXX she was served at home a subpoena by sheriff. BOA was suiting for debt dated XX/XX/XXXX amount {$14000.00}. They offered payment plan {$410.00} for 36 month. I didn't go to court. Debt was not mine. We never had credit cards. After hearing we receive letter from court stating Judge threw the case out. He said BOA came with one sheet of paper with {$14000.00} on it. He said he was not making us pay that bill. The only thing they had was one sheet of paper. After that we started receiving letters from BOA staying we had not made mortgage payment in 2 1/2 years. I started requesting payment History on the loan. We have never receive a payment history for XXXX, XXXX, XXXX, and 1/2 of XXXX. I filed complaint with Hud. They had the case for 1 year. They first said they found Cause retaliation and they were going to do forensic audit to see how far back it went. After doing my research we found out the loan had 5 loan number and 4 FHA number. After a month or more Hud came back and change there finding to No Cause with no reason given. XXXX XXXX XXXX acted as if she never told me that. The good thing about that conversation was my daughter was in town and she heard it. ( information of the court case for the {$14000.00} ) XXXX XXXX XXXX Judgement Case /Cause XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX give my wife XXXX XXXX to speak on my behalf without signing additional separate Document for Bank of America. My wife XXXX XXXX and my name XXXX XXXX XXXX is on the Deed ) My name XXXX XXXX XXXX XXXX XXXX Deed only )
Product: Bank account or service

PNC bank is charging {$140.00} in overdraft fees for XXXX transactions of {$2.00}, {$3.00}, {$10.00}, and {$19.00}. There was a deposit of {$600.00} on XX/XX/2016 and another deposit of {$150.00} on XX/XX/2016. Making it so PNC had {$750.00} of my money. They stated these XXXX transactions happened between XXXX. and midnight. After speaking to a representative and they told me to make a deposit of {$140.00} before XXXX pm on XX/XX/2016 which I did. PNC bank is refusing to refund the fees.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATION/XXXX XXXX
Product: Credit card

My account from Capital One went into collections. I agreed upon an amount paid every check ( XXXX ) it still shows that I owe an outstanding debt of {$100.00} on my credit report when it is in fact paid in full. I want it removed from my credit report!
Product: Credit reporting, credit repair services, 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. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXXRegions # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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: Credit card

just got notification that i had a delinquent account for the first time in my life. credit card that i have had for over 10 years on autopay somehow stopped making payments 2 statements ago. logged in and found i was no longer enrolled in billpay at all. this happened right after bank of america forcibly changed the credit card to a different product.
Product: Debt collection

XXXX XXXX, XXXX XXXX Forster & Garbus , LLP representing XXXX XXXX, XXXX started collections within the past XXXX years. They called so aggressively, I blocked several numbers after explaining I had no idea what they were talking about. They claimed to represent XXXX XXXX, which I have XXXX current cards with. 
I was sent a legal notice early last year and requesting verification of the debt which I never received. Approximately XXXX month ago, I received a notice of trial in the mail. 
I have noticed in the credit report that they are reporting late payments monthly which is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been sending extra principal only payments to the mortgage company without issues. NewRez assumed the loan from the previous servicer. I continued making my weekly extra principal only payments, but they are not being applied to the loan. I have asked for a reason via e-mail about the " Partial Payment Unapplied '' comment on my statement, but have received no answer. Trying to call the customer service line results in the phone ringing for 15 minutes during the time stated that service is available, then being disconnected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, XXXX, TransUnion XXXX and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. 

One of the primary inaccuracies pertains to my account with XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. 

Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : Immediate removal of the inaccurate accounts and negative marks associated with my XXXX account and any other unverifiable information. Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. I expect a response to this formal complaint within XXXX days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, XXXX XXXX
Product: Consumer Loan

we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report when I noticed a Item that was not authorized and i would like it to be removed. 
XX/XX/XXXX Experian, XXXX, XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX  XX/XX/XXXX {$670.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$480.00}
Product: Credit reporting or other personal consumer reports

They are reporting on my credit report from over 6 years ago I had a late mark XXXX which is incorrect and I want the XXXX late mark removed. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

For a little over a year i have been trying to get information about something that is reporting on my credit report. I have mailed letters and called this company over 15 times and i have talked with managers, collections, customer service reps etc. and i get told the same thing every time. " Sir, we have no record of you in our system at all and we don't know why its reporting to your credit report, you should file a dispute '' I even offered to take care of the balance, but they have NO IDEA who i am in their system. you can pull the " recorded '' calls and verify that i am telling the 100 % truth. 
So I fill the dispute and then i get " everything is reporting accurate '' I am genuinely confused with everything and i don't know what else to do. This fraudulent account that is being reported on my credit is keeping me from being able to buy a house refinance my auto loan for a better rate and so much more. Please help me get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that Citizens Bank Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way Citizens Bank is hurting its retail customers. They are unbelievable.