23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is in reference to a promotional offer which we accepted. The offer was for free interest for one year on a balance transfer. 

However, after accepting the offer, we noticed that we had been charged interest on our purchases although we paid off all the purchases in full by the statement due date. 

After not being able to get the issue resolved with the credit card company ( Bank of America ), I filed a complaint with CFPB. 

Shortly afterwards, I received a voice mail from Bank of America 's Regulatory Complaints department telling me the issue had been resolved and I would be receiving an email confirming this. 

It is now a month later, I haven't received the aforementioned email or any other communications from Bank of America, and I've been charged another interest fee for purchases although we've paid off all purchases in full before the statement due date. 

This is not what was stated in the terms of the card, and it was not indicated in the terms of the balance transfer offer that the card terms would be changing. This is a poison pill tactic which feels very deceptive, underhanded, and predatory.
Product: Credit reporting or other personal consumer reports

For a certain account to be deleted that was over the 7 year mark and they refused to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I had discovered that credit cards had been applied for and used using my identity. The moment I learned of this, I immediately called Discover card services and notified them and told them to freeze the account. I was not sure exactly what else to tell them at that time. I then called XXXX XXXX and started an account. Some time after that I received a bill from Discover, and so then I called them, they kept asking if I wanted to stop account and get a new one. Their wording was very confusing and they just kept asking despite me telling them that this is fraud and they needed to stop the account. Some time after that I received a new Discover card in my name with a different account number, and also a bill for the fraud account. I then called Discover again and told them that I dont want an account and that its all done under an action of fraud. The lady got very mad and told me that this is what I requested. 
I filed an FTC report and went through the processes and ended up having to request the credit reporting beuros to block the information, they did block it, but months later they unblocked it. I then requested another investigation with both Discover and XXXX. They both said that the information was correct. 
I have letters from Discover stating that the account was found to be fraud and also four different account numbers on the papers from Discover. When I requested all informationf from Discover, they sent me only the paperwork with the original account number. I still have all the papers with the different account numbers and them stating the account was found to be fraud. Discover has cost me well over $ XXXX in failed transactions and so much more!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address " XXXX XXXX XXXX, XXXX, GA XXXX '' is not associated with me and should be removed from my file immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), you are required to investigate and correct any inaccurate or incomplete information in a consumers credit file. You are further obligated to complete this investigation and notify me of the results within 30 days of receiving this dispute. 

Incorrect Address 's : XXXX XXXX XXXX XXXX, GA XXXX AND XXXX XXXX XXXX XXXX XXXX, NV XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX To aid in your investigation, I have enclosed copies of the following documents to verify my identity and correct address : A copy of my government-issued identification ( e.g., drivers license ) A recent utility bill showing my correct address Please note that failure to investigate and correct this inaccurate information within the required 30-day time frame, as stipulated by the FCRA, may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. Please confirm in writing that the incorrect address has been removed from my credit report and provide me with an updated copy of my credit report reflecting this correction. 


Enclosures : Copy of drivers license Copy of utility bill
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of XXXX XXXX Account XXXX from my credit report. XXXX XXXX informed me that they had been told the credit agencies to remove this account from My Credit report due to the inaccuracies ; however, it was never removed from XXXX or Transunion. This account must be disputed and removed from my credit report due to all inaccuracies.I have submitted multiple fraud reports for this account to be removed and disputes. Transunions customer service requested for me to turn in the full XXXX  report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an XXXX works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX XXXX illegally changed the account number for this account. I contacted Transunions customer service on the phone and they thought this was a brand new account. Please review my XXXX XXXX account history and you will see that this is the same account that was previously removed by Transunion, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. 
Secondly, THIS ACCOUNT IS REPORTING TWICE TO MY CREDIT REPORT AS I HAD PREVIOUSLY DISPUTED THAT AS WELL. THIS SAME ACCOUNT IS SHOWING TWICE ON MY CLOSED ACCOUNTS. 
I AM READY TO SUE AS I HAVE DONE MY BEST WITH BEING PATIENT WITH XXXX XXXX AND THE CREDIT BUREAUS. 
REMOVE THIS ACCOUNT FROM MY CREDIT, SHOWING IT TWICE IS A COMPLETE VIOLATION. THIS ACCOUNT HAS COSTED ME TOO MANY LOSSES
Product: Credit reporting or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
LAW 15 USC 6802B A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party
Product: Checking or savings account

I was supposed to receive a direct deposit in the amount of {$140.00} but never received it. Revolut is saying that it was sent to an account that is now closed due to them switching to another bank. The funds were sent to that account and never rejected so they were never returned. I keep getting the run around from the reps and no resolution.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I appreciate the effort made to address some of the fraudulent items in my file stemming from an alleged identity theft. However, there are still unresolved items that require attention. This marks my third complaint regarding being a victim of identity theft, and I have diligently submitted disputes for the inquiries and inaccurate information resulting from this crime. The items I am disputing do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized. I urge you to remove the reporting of these inquiries from my credit file, as they are the result of alleged identity theft : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX -- -- -- -- -- -- -EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. These items are unknown to me, and I have doubts about their accuracy, especially considering that similar information has been deleted from other bureaus. Additionally, the reported history dates on these inquiries are unclear to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to take action promptly to address these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has failed to fulfillits 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. ( 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 1 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.
Product: Mortgage

Hello, we have purchased a new construction home to by built by Toll Brothers in Washington State. We were told that we needed loan approval from Toll Brothers Mortgage ( TBM ) in order to complete the purchase. We applied and were approved for a loan, and TBM offered us a float down rate lock. Before entering the agreement, we specifically asked our loan officer via phone if there was a lock-in cost. Not only did he answer that there wasn't, but he framed the agreement as a no-lose situation. This is how we were under the notion that we still had the freedom to pursue other lending options without incurring costs. However, now that we have found better options, Toll Brothers is claiming we owe them {$10000.00} ( a rate far above market average ) which will be added to our closing costs. 

In hindsight, despite our preferences to communicate with TBM via email, we suspect they insisted on only ever answering our questions over the phone by calling us at random times was to mislead or withhold information from us without a paper trail. 

The lock-in agreement further states that the contract is null and void should this {$10000.00} not been paid immediately on execution of the agreement. No one contacted us about paying this {$10000.00} even though the agreement states that this would be due immediately on entering the agreement. 

When we expressed our intent to work with other lenders, TBM notified us about this {$10000.00} hidden cost. We tried to dispute this cost, to which TBM informed us that behind the scenes, Toll Brothers silently fronted TBM the lock-in fee on our behalf, so therefore we now owe Toll Brothers {$10000.00} on closing. 

To summarize, we were misled in our discussions with our loan officer about rate-lock costs and we have neither seen nor signed any documents giving Toll Brothers consent to pay hidden costs to TBM on our behalf. We believe the misleading practices they have engaged in are wrong and fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to an advertisement from XXXX XXXX XXXX XXXX XXXX, aka, XXXX XXXX XXXX  ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the XXXX XXXX XXXX XXXX. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX  score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my XXXX  scores were to low, they said my report showed my Experian score : XXXX ; XXXX  : XXXX and XXXX  : XXXX. However, when I accessed my credit file and checked my scores they were : Experian : XXXX : XXXX  : XXXX and XXXX  : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX  score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX  scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?
Product: Checking or savings account

Citibank is refusing to honor its offer of XXXX XXXX XXXX miles in return for opening a new account, paying online bills on the account, and using the account 's debit card to make a certain amount of purchases. I fully complied with the terms of the offer, yet Citibank is refusing to give me any of the miles it owes me. 

In XXXX or XXXX of last year, I received in the mail a brochure offering XXXX Aadvantage miles if I opened a Citi Priority Account package of {$50000.00} or more, spent {$750.00} on purchases with the account 's debit cards within 60 days, and made a qualifying bill payment for two consecutive months within the same 60-day period. On XX/XX/XXXX, I opened the account package at the Citibank branch at XXXX XXXX XXXX in Washington, DC. I presented the brochure to bank officer XXXX at the branch and he assured me that I would get the XXXX miles if I opened the account and fulfilled the rest of the terms with the debit card purchases and the bill payments. He added that IN ADDITION to the airline miles, I would receive a {$600.00} bonus for opening the account package. 

I opened the account package, and made the debit card purchases and bill payments within the 60 days. On several calls to Citibank 's national office, company officials confirmed I had complied with all the terms and would soon be receiving the miles. Yet I kept checking my Aadvantage account and seeing that the miles hadn't been added. Finally, when I called the national office in XXXX, the official suggested I talk to the branch manager at the location where I opened the account, and that's what I did. 

Yet when I talked to the branch manager, XXXX XXXX, she told me something completely different from everything I had been promised by XXXX and the officials on the phone. She said that because I received the {$600.00} bonus, I would not be receiving the XXXX miles. I told her that XXXX assured me I would receive both the miles and the bonus when I opened the account, and she conceded I made a mistake. She said he was mistaken. She told me I may be able to still get the miles, but only if I forfeited the {$600.00}. 

This is not acceptable to me. Had I been offered the choice as either/or at the time, I would have chosen the miles. But now I find it extremely problematic to forfeit the {$600.00} after being promised both. First, I think companies like Citi should keep their word. Second, I've already budgeted the money. And third, I've already received a 1099 tax form for the {$600.00}, so I'm expected to pay taxes on money I would now have to give back. 

Please help me and other consumers by ensuring that Citibank keeps its word on its offers to consumers.
Product: Bank account or service

In XXXX & XXXX of 2016, BB & T Bank was running a promotion to open a checking account and get {$150.00} bonus. Additional requirements were : establish a direct deposit of {$500.00} per cycle & make 3 bill payments. I followed these requirements. 5 months later and still no sign of bonus. Phone call to customer service ( XXXX ) ended up with them advising me to talk to my local banker as it was a " regional promotion ''. Talking to local banker stalled since the banker had to the same toll-free number and they told her that the account was opened with no promo code ( back in XXXX I clicked on " Open Account '' button. There was no field to enter any promo code ). My impression is that the bank is avoiding following their own promotions in order to not pay the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Jared 's credit card through Comenity bank is predatory. They didn't disclose fees and such, and also couldn't explain the math that didn't add up. Regardless, I paid off the account in full and then requested the account closed. I have requested it closed several times and the bank claims it is. However, I keep getting statements on the account and have been charged interest on a {$0.00} balance once. They refunded the {$3.00} and now my 'closed ' account sits at - {$3.00} ( they owe me ), but I continue to get emails and notifications of statement balances and such. 
I need the government to step in. Comenity is a predatory credit company and lies. I can not get my account closed and would like to sever ties with them permanently.