23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America discontinued a credit card program and re-issued me a new card with their new program. I called to request a replacement card because I misplaced the one they sent. Instead of simply replacing the card, they closed the account for fraud in error. I never reported fraud. The account closure was an error on their end. 

Subsequently they stopped my online access, ceased sending emailed or mailed statements, kept accepting recurring charges and in all the hours I spent on the phone with them they never mentioned a balance on the account, and began reporting late payments. 

I have paid the balance and asked them to remove the late payment reports that appeared on my credit reports from the 3 major companies. They removed one, but to date have not removed the XX/XX/23 report. 

They refuse to remove the block from the account and instead insist that I reapply for a new credit card account at a much higher interest rate despite an excellent payment history and a 23 year history with the credit card.
Product: Debt collection

I sent a certified investigation letter to XXXX XXXX on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX XXXX sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to XXXX XXXX stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from ERC stating XXXX XXXX , XXXX has placed your previously disputed account with ERC. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from XXXX XXXX stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> [ Credit Reporting Agency Name ] [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, a debt validation letter was sent to Santander Consumer USA XXXX Inc. in XXXXXXXX XXXX The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Product: Mortgage

I reached out to XXXX XXXX in XX/XX/2021 to inquire about a homeowner 's policy with an effective date of XX/XX/2021. I never went through with signing the policy because the sales person failed to inform me that I would have to pay a broker fee. I learned about the fee when they emailed the policy for me to sign. I never signed the policy documents and the policy was subsequently cancelled, effective XX/XX/2021. On XX/XX/2021, I sent a signed letter via US postal mail to Village Capital & Investments ( mortgage company ) informing them not to send any escrow payments to XXXX XXXX XXXX. On XX/XX/2021, Village Capital sent XXXX XXXX XXXX XXXX a check in the approximate amount of {$3200.00}. Also on XX/XX/2021, Village Capital sent XXXX a check in the amount of {$3600.00}. My escrow account is now negative over {$4000.00} and no one at Village Capital can tell me why they sent a check to XXXXXXXX XXXX  when I clearly informed them not to do so. I have called XXXX XXXX and they indicate that they have not received the check from Village Capital. This is a problem.
Product: Money transfer, virtual currency, or money service

I have contacted the attorney general to schedule an arbitration meeting due to the neglect of my civil rights and violation of multiple laws, why are they holding my unemployment funds for 3 years now with no explanation even after sending proof they have still not unlocked my account so I can withdraw my funds they keep making excuses to why they have not released my funds even after waiting multiple 180 days policy periods this is ridiculous and enough is enough according to the government PayPal is not a bank institution so why are they acting as if they are they need to release my funds immediately arbitration will be set against PayPal immediately if result of complaint is not resolved immediately after opening from cfpb, PayPal has repeatedly violated the law and my civil rights by keeping my unemployment money that is rightfully mine I have sent proof multiple times of this as well and they still have not gave me my funds enough is enough it has been 3 years the account number is XXXX my email on file is incorrect all communication shall be directed to XXXX or call me at XXXX and email before you call copy of statement below regarding money they have stolen from me
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX {$720.00}.
Product: Credit reporting or other personal consumer reports

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXXXXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( XXXX ) in question are not reported in accordance with XXXX XXXX guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' XXXX XXXX XXXX XXXX XXXX XXXX  - " Account Number : '' XXXX BALANCE : {$520000.00} - *Nature of Dispute : ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.
Product: Money transfer, virtual currency, or money service

International money transfer from my account by Western Union
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX regarding the unlawful interest rates charged on my loan, which far exceed New Jerseys legal limit. Under XXXX XXXX usury laws, the maximum allowable interest rate for personal loans is 30 % per annum. However, XXXX charged me an APR of 460 %, which is illegal and unenforceable under state law. 

Loan Details : Loan Amount : {$800.00} Remaining Balance ( Before Closure ) : {$2000.00} APR Charged : 460 % Original Loan Date : XX/XX/year> Total Paid So Far : I have already repaid more than the original principal amount. 

After raising concerns about this illegal interest rate, XXXX  closed my account and confirmed I do not owe anything further. However, based on the unlawful overcharges, I am entitled to a refund of up to XXXX XXXX XXXX  or more for the excessive interest I was forced to pay. 

Despite multiple attempts to contact XXXX regarding my refund, they have completely ignored my requests for over a month. Their refusal to respond suggests an attempt to avoid accountability. Additionally, XXXX has cited tribal law as their governing legal framework, but I believe this does not exempt them from complying with XXXX XXXX consumer protection laws. 

I am requesting the CFPB to investigate this matter and help me recover the refund I am rightfully owed due to XXXX unlawful lending practices. Thank you for your time and attentionI look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes with Equifax since XX/XX/XXXX. They are the only bureau that continues to report a bankruptcy that was discharged in XX/XX/XXXX. Continues to negatively impact score. Also unable to access dispute investigations or to access annual free credit report since Equifax insists my identifying information does not match their file information. Again, this is the only bureau that has this issue and does not allow me to view information. Chat transcripts reflect their agents direct me to telephone assistance however the off-shore agents refer me back to the website. Circular frustration ....
Product: Mortgage

We submitted a request for short term mortgage assistance ( loss mitigation ) in XXXX XX/XX/year>. During the initial review process we were advised to hold off on making our normal monthly payment while they processed our request. We were ultimately denied our request for a short term assistance plan because our mortgage was current and they felt we were not in a hardship that warranted mortgage assistance. Based on us not paying during the review process, our mortgage showed as late for the month of XXXX. We made the mortgage current as soon as we received notice that it was late in XXXX. We have never made a late payment on any mortgage accounts in our credit history.
Product: Debt collection

Last year, for weeks I received calls twice a day from a company trying to collect on a XXXX debt. I have never had an account or any dealings with XXXX. I eventually recorded the conversation, told them the debt isn't mine and to stop calling. 

Today, I received another call from a collections agency regarding this XXXX debt, which isn't mine. They spoofed the call to make it appear to be local. 

They said they were with Jefferson Capital Systems in Minnesota and wanted to collect on the debt. I recorded the conversation, told them it isn't my debt, and they asked for four digits of my social to prove that it isn't my account. I refused to do that, as this company should be required to prove this is my debt ( which there is no proof of, because it isn't my account ). I shouldn't be required to prove it was never mine by sharing my social security number with a company that obviously has unethical and predatory collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$39000.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XX/XX/2021 I received notice from RoundPoint Mortgage alleging I owed a debt. On XX/XX/2021, I responded with an an affidavit which was received by RoundPoint on XX/XX/XXXX. With no response, I followed up again with another affidavit on XX/XX/XXXX. Still waiting on their response.
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature
Product: Credit reporting or other personal consumer reports

Congress states that Late payments are excluded from Consumer credit FilesXXXX XXXX XXXX XXXX XXXX XXXX XXXX are furnishing inaccurate unauthorized Late payments information on my credit Files. 
XXXX XXXX account # XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XX/XX/year>
Product: Credit card or prepaid card

Multiple problems but the 1st is with the sign up rewards bonus. I was supposed to get {$200.00} sign up reward after spending {$1000.00} in the 1st 3 months and that never happened. I'm also supposed to get 1.5 % rewards on each purchase but that ceased without notifying me. 

There is a separate problem with payment processing. It took them 45 days to process a payment one time. Now, they have a payment " on hold '' and are not allowing me to use the card. My current balance is- {$390.00} ( because of the delay in payment processing ) so they actually owe me {$390.00}. 

This is the Sallie Mae XXXX Credit Card. My limit on the card is {$7000.00}. Calling their customer service is not effective.
Product: Credit card

Capital one closed my account according to the law 15. U.S.C 1681 ( a ) they was not supposed to have closed my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/ Subject : Request for Removal of Paid Collection Account Dear Transunion, I am writing to request the removal of a collection account from my credit report. The account in question has been fully paid, and I kindly ask for its removal as it no longer accurately reflects my current financial standing. 

Account Details : Account Name : [ Charter Fitness ] Account Number : [ XXXX ] Creditor : [ XXXX ( Original Creditor : XXXX XXXX ) ] This collection account has been resolved, and I believe its continued presence on my credit report is unnecessary and detrimental to my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), I respectfully request that you verify this accounts current status and consider removing it entirely from my credit file. 

To assist with this process, I have enclosed the following : A copy of my identification ( driver 's license or state ID ) Proof of address ( utility bill or bank statement ) A copy of my credit report highlighting the account in question Please investigate this matter and update my credit report accordingly. I would appreciate confirmation once the update has been made. 
Thank you for your time and attention to this matter. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank Of America took funds from my personal joint savings account for personal, family, household use to cover a credit card from a business account. According to the FCBA this transaction is illegal. I intend to file a federal sue against BOA for these actions.
Product: Credit card or prepaid card

I have had my Sears/Citibank Mastercard for many years. The balance as of my XX/XX/2020 statement was {$9400.00}, consisting of {$6400.00} at the regular interest rate of 21.24 %, and {$3000.00} in interest-deferred promotions. On XX/XX/2020 I made an online payment of {$6400.00} to pay off the entire regular interest balance. The only remaining amount should then have been for the promotional items with the first expiring XX/XX/2020. On the Sears/Citi payment website, there is an option to choose to pay promo balances early, instead of paying regular balances with interest, if someone would like to do that. I did NOT choose this option, since it makes no sense to pay off a zero interest item before a 21 % interest item. Note that having an option to select to pay off promo balances first implies that if you do not select to do so, items with interest or higher interest would be paid first. After my payment posted, I noted that my account still showed {$400.00} in regular interest charges, and the XX/XX/2020 promo of {$400.00} paid off! I called Customer Service and was told there was nothing they could do, that it was already applied. I was further told that this was their standard policy to apply extra payments to the promo balances when it was expiring " within 2 or 3 billing cycles. '' My major objection to this practice is how then is the promo for 12 months? The effectively changed the promo to 9 or 10 months, which is NOT how it was marketed. When I challenged the phone representative I was told that " If you called to make the payment we could have applied it to the regular balances, oh, but you wouldn't have known to ask. '' What????? If I knew to ask for something that you never told me I should do, and would never expect to have to call since it should be your practice by default ... you would have done so??? AND since you have an option to choose to pay the promo balances first, but I did NOT select it ( nor did you state that I did ), I was supposed to know that you would do so anyway??? I have talked to several different representatives, asked for this to be escalated, etc. I keep getting responses that tell me what they did ( applied {$400.00} of my payment to promo balance ), which I already know! Two days ago I received an email from " XXXX XXXX XXXX, Account  Manager '' asking me to call him to discuss this. I have done so multiple times, leaving messages, and emails with NO reply. This is further complicated by the fact that I have additional promotional items coming due in the next few months. This means that no matter how hard I try to pay off my regular interest items Sears/Citi will keep applying my payments to the interest-deferred items, paying them off months before they are due, and continuing to charge me interest of 21.24 %. This is WRONG. Either they need to explain that there is no way to pay off regular interest/purchase balances if you also have a promo rate, or they need to explain that promo balances will be paid first, making the promo period two to three months shorter than advertised. Supporting documents will be attached if allowed.
Product: Student loan

I first contacted MyGreatLakes about requesting a refund on all payments made during the covid-19 forbearance on XX/XX/2022. I worked with the customer service representative to formally request a refund. I was told that refunds would be processed in no more than 30 days. After that timeframe passed, I contacted my loan servicer on XX/XX/XXXX to get a status update. I was informed that the new timeline was XXXX days from the date I called as a follow up when my refund should have been completely processed. It is now XXXX XXXX, 54 days from when I was originally told 30 days. I called today, and they still have no update for me. I'm very frustrated and federal loan servicers need to be held to a standard.
Product: Debt collection

I have contacted Transunion a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Transunion it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX  XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Product: Credit card

wells Fargo sent a letter dated XXXX XXXX stating that the completed their research they conformed that account as accurate without providing me with anything bearing my signature showing that i am contractual obligated to pay this debt. my name is XXXX XXXX XXXX account number as listed on my XXXX report as of XX/XX/year> is # XXXX. my address is XXXX XXXX XXXX XXXX WV XXXX social last XXXX are # XXXX