23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am required to carry flood insurance on my property and when I received my renewal notice recently, the premium had gone up dramatically and it stated that I could increase my deductible up to {$10000.00} if my mortgage holder was in agreement with that. I called Bank of America and they said there was no problem with a high deductible but would not send a letter to XXXX to verify this. I went through my insurance agent and he also spoke with BofA with the same results. He actually spoke to XXXX different people and XXXX said they would not send a letter out to XXXX allowing a deductible increase. The increased deductible would drastically decrease my premium, which is what I want. I am requesting that a letter be sent to XXXX from BofA on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My student loan was forgiven effective XX/XX/2023. My credit report is still showing a balance due. I'm trying to buy a home and this is increasing my debt to income ratio.
Product: Mortgage

Once again, after processing a mortgage payment over the phone, CitiMortgage misapplied my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting on hold for the past 2 days for 4 plus hours. I took a screen shot for proof. I give all my information then wait on hold keeping me from filing a dispute. Nobody called me back or anything. During this covid time, this is nothing less than pure cruelty and feel motivated to get my own lawyer. Why do you treat people this way??? No respect for anyone or anything. Just tell me nobody is available or something. Tell me to send an email or something. This is making me absolutely crazy and all you guys do is apologize. I am so upset!!!!!!!! 

I called a third time 30 minutes before closing and I was told to wait. Wait and wait. Nobody even told me you were closed!!!! You just kept making me wait??!!! Who does this to people?? As if you hadn't played with me enough? I am definetly going to talk to a lawyer!!! 


The dates this happened is XXXX.
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 : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 card or prepaid card

I've had the Amex XXXX Card account for about XXXX years. 
I have my Social Security check direct deposit with Amex XXXXAmerican Express XXXX XXXX XXXX 
I am being charged XXXX  through an in-network ATM for an invalid PIN and or ATM Decline. 
I was not advised of such a penalty when establishing this account. 
I am requesting a {$36.00} refund. 
XXXX XXXX XXXX XXXX XXXX was used on these transactions.
Product: Credit reporting or other personal consumer reports

Experian is been reporting an inquiry by XXXX XXXX XXXX, on XXXX. I had no business with this company, neither or authorized any used of my credit file.
Product: Student loan

I was struggling to pay my student loans with Navient. I paid two payments to Navient with one being {$260.00} a month. I applied for some different repayment plans through Navient onXX/XX/XXXX I received a quote for a much lower payment plan and put in an application. On XX/XX/XXXX I got a bill for {$360.00} a month. I never signed anything agreeing to a new cost nor did I confirm I wanted that new monthly payment. Navient was incredibly vague and purposefully confusing on the phone. Navient said that the quote I received online is just an estimate and actual payments would vary. I asked why I was n't able to approve this change before they asked for higher monthly payments and never received a direct answer. I am baffled at the fact that I put in an application to lower my payments and they raised my payment without permission. had to spend a month trying to get my monthly payment back down closer to what it was. I got it down to {$280.00} a month and had to accept that was the best I was going to get.
I also received a correspondence saying : Unpaid principal balance {$40000.00} Unpaid interest to be added to the principal {$0.00} Estimated interest over the life of the loan {$44000.00} Estimated total loan amount {$85000.00} The fact that I will end up paying twice the amount of my loans by the time I finish my payment schedule is appalling, and I have two batches of loans with Navient.
I have been on forbearance several times but was never told about income-driven plans. I have missed important updates such as late fees and missed payments from previous ordeal due to Navient 's vague wording during communication and voicemails. These struggles are just the beginning of the issues I have had with Navient.
I still struggle to pay my student loans and now i 'm afraid to try to lower my bill again due to the sneaky way they raised my bill. Since then I have defaulted on my loans and we had to take out a home equity loan to pay our student loans. We hope to pursue legal action against Navient.
Product: Credit card or prepaid card

I have a Citi Double Cash credit card for years and have accumulated a lot of cash back. On XX/XX/2018, my credit card was closed without any advanced notice. I noticed that my account was closed on XX/XX/XXXX when I tried to buy something using my credit card. I called Citi right away to confirm and also tried to redeem my cash back. I was told that I can't redeem my cash back, but an online representive told me that I can redeem my reward four days later ( XX/XX/XXXX ). 

I called Citi again on XX/XX/XXXX, and a representative AGREED to redeem my cash back and said a check will be mailed to me. However, TWO WEEKS later, I received a letter saying that my reward can not be redeem because the cash back was forfeited at the time of account closing. The only option to redeem my reward is to reopen my account. 

I called Citi again on XX/XX/XXXX to see why they refused to redeem my cash back. No clear explanation was given. An account manager said there is nothing she can do unless I reopen an account. However, I do not want to reopen an account because I have opened new credit cards during these two weeks I have waited. 

As a long time Citi customer, I felt I was poorly treated and everything is poorly communicated. With that said, I summarized my complaint below : 1. My account was closed WITHOUT any notice, even when I used the card EVERY DAY. 
2. Citi did not honor its promise. I was told that my reward could be redeemed on XX/XX/XXXX when I called, but Citi refused to do so later. 
3. Poor communication. I was informed TWO WEEKS later that my reward couldn't be redeemed unless I reopen my account. During these two weeks, I have opened new credit cards with other banks. I do not want to reopen an account because I do not want to open too many credit cards in such a short time frame.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX Ga, XXXX XXXX  XXXX  XXXX XXXX XXXX, XXXX, SC XXXX I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did XXXX come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX ...., XXXX # XXXX ...., XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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: Prepaid card

Tried to make a call to make a complaint but there was no one to call
Product: Mortgage

I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.
Product: Checking or savings account

Citibank offered a tiered bonus promotion with the deadline to open a new checking account by XX/XX/22. Please see uploaded files for terms and conditions of the promotion. Please note the date and time of promotion detail files. 

Timeline of my experience : XX/XX/22 Applied and Opened new Checking Account XX/XX/22 Deposit a check for over {$15000.00} in branch to satisfy deposit requirement XX/XX/22 Balance was maintained to meet the following requirement : " Maintain the required Minimum Balance** in your eligible account ( XXXX ) for an additional XXXX days from the XXXX day after account opening. '' According to the terms of the promotion, the {$400.00} bonus should have credited to my account at the latest by XX/XX/22. 

XX/XX/22 Contacted Citibank by phone ( XXXX ) to initiate a dispute Reference # XXXX. Rep mentioned that the investigation may take up to XXXX business days. 

XX/XX/22 Called for an update when not correspondence was received. Rep communicated that the investigation is still in process and could not say how long it will take. 

XX/XX/22 Called for an update and was asked to wait another week. 

XX/XX/22 Received a secure message letter - copy of letter uploaded as part of this complaint. Although not part of the terms and conditions of the promotion, the letter requested additional information. 

XX/XX/22 Received another secure message that the dispute was resolved. Simultaneously, the original XX/XX/22 message was deleted and replaced with the same brief message as the XX/XX/22 secure message stating that the dispute is resolved. 

I was not even given XXXX hours to contact Citibank and provide the requested information. Please see uploads of messages from Citibank as well as proof of my eligibility.
Product: Credit card or prepaid card

I deposited a promotional check for {$5000.00} from my Bank of America credit card into my XXXX XXXX checking account on the final valid date of XX/XX/XXXX. See attached check and bank information from XXXX XXXX proving that the check was deposited and posted into my account on XX/XX/XXXX. 

I recently discovered from looking at my statements that Bank of America recorded the check being deposited as XX/XX/XXXX. Ever since then I have been getting charged 19.49 % which is their check cash advance rate. 

I called Bank of America 's Promotions Department ( XXXX ) XXXX to inform them of the situation and they said there is nothing they can do and I will continue getting charged the 19.49 % rate until the {$5000.00} is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX THIS ACCOUNT NEEDS TO BE DELETED BECAUSE ALL INFORMATION REPORTING BY CREDIT BUREAUS IS NOT MATCHING AND ARE INCORRECT. 
YOU CAN SEE, DIFFERENT MONTHLY PAYMENT, DIFFERENT BALANCES UPDATED DATE.
Product: Credit reporting or other personal consumer reports

I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my XXXX  history of meeting deadlines.
Product: Money transfer, virtual currency, or money service

I placed an order online from boschdevice.com for {$150.00}. the website turned out to be bogus. The transaction ended up stating it was from tiktok but I've never used tiktok before ever. so I told PayPal what happened and filed a dispute. They said they would investigate and let me know but I stead they denied it without saying anything. So I contacted them again and asked why and had to explain what happened again. Then as I went through all the info I had about the company I ordered from I discovered they use several different business names then somehow the end transaction says it's from XXXX XXXX. The only reason I decided to order was because they accepted PayPal for payment and I know they have a protection for buyers using them so I thought I was safe. I spoke to PayPal at XXXX point and they said not to worry that I was covered by their protection. Then they denied it! Since then I've filed disputes XXXX or XXXX more times and they've all been denied without any reason or anything! I'm so frustrated!
Product: Debt collection

I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID XXXX DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and inconsistent information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Upon reviewing my reports from Experian and EquifaxI noticed that the account XXXX XXXX Account Number EMLWVDXXXXXX is being reported differently across the two bureaus. This discrepancy is damaging to my credit and must be deleted.

Shows two different last payment dates and multiple different late payments dates.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to maintain maximum possible accuracy of the data they report. These discrepancies violate that requirement and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed inquires that I did not authorize. I reached out to the companies by phone and the issue was not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed XXXX  credit report ; Informatioin for Citizens Bank NA ( aka Citizens One Auto Finance ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XX/XX/XXXX, I submitted a dispute through XXXX. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.
Product: Checking or savings account

Hello and Good Morning, I received a ACH charge for my Bank of America account ending in XXXX that was also ACHed out of another account were the money was successfully pulled. I called Bank of America to Explain the situation and they stated they couldnt do anything about the XXXX NSF Fee. I also informed them I can send them a copy of where the same transaction was successfully taken out of my other account. The rep stated she could return the fee as well as XXXX the Deposit manager who I was transferred to. I then asked to close my accounts and she stated I couldnt because of the negative balance. So at this point I have a company who is taking payments from XXXX different accounts. I have proof to show them and they are pretty much telling me I have to deal with it. I want my accounts closed so prevent this from happening and stated that cant be done. I also work for a financial institution so this problem can only lead to me getting more unauthorized charges and fees due to them remaining to keep the account open at my will. Can someone please assist.
Product: Debt collection

I told the company I never had this debt and don't owe any money this account is not mine 30 days ago they even failed to verify the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX AccountXXXXhas violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( XXXX ). 


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.
Product: Debt collection

On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the company efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The company is reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the account must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

XXXX   XXXX   XXXX  is working m behalf of   XXXX   XXXX   XXXX  s and they illegally reported to transunion that i owe them money. I disputed this with transunion and they still allowed them to stay in my credit report. My state attorneys office has already fined this company and they are not licensed lenders and transunion still allowed this to stay on my credit report, unlike  XXXX  and  XXXX