23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX I approached a Bank of America employee in charge of Merrill Edge services at a local branch office for advice and management of my accounts with BoFA. He reviewed all of my accounts and recommended I take advantage of a Balance Transfer offer from BoFA to move one of my XXXX Personal Loans over to BoFA credit card. The balance transfer offer was zero percent on {$9700.00} from then until XX/XX/XXXX. After that the rate would increase to 16.49 %. He promised that the monthly payment would only be {$25.00} per month and that I could use the difference in payments to pay down another balance I have that is much higher and that I would come out ahead. 

I didn't believe the offer was true. So I asked him to confirm the $ XXXX/month payments. He called the credit card dept and confirmed it was true. So I ordered the balance transfer. 
A few days later we saw it was posted as a cash advance, not a balance transfer, with a higher rate 19.99 % at the end of the zero percent term. And that the term was shortened by one month. Also, about a week later we discovered that the payments were going to be $ XXXX/month, not the $ XXXX/month he had promised and had confirmed. 

I asked them to give me the terms they promised and he said there was nothing he could do about it. The credit card department handled that. And they said no to the request. I went to the assistant manager and he promised to try to fix it and then basically did nothing. In fact, he told me I had signed documents agreeing to the terms I have. 

I have sent 3 emails to them, 2 phone calls, and 4 visits to the branch office. In essence they have promised one thing, delivered another, and then passed the customer service off to some phone number that goes to another place. Those people passed me from one department to another and finally said that we had already used up the special offer code and there was nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel completely cheated for disregarding my complaint and sending too many letters about this account. I understand that as a federally protected consumer, you have no legal standing and are unable to retain legal counsel. A lawyer versus a legally protected customer.
Product: Debt collection

On XX/XX/year> my husband and I visited the XXXXe kiosk at XXXX XXXX and purchased XXXX phones from salesman, XXXX ( dont remember his last name ) The kiosk does not stock phones so XXXX said XXXX would ship the phones to our home address. XXXX took our credit card, charged & XXXX ( see attached cardholder summary ). We received the XXXX phones. We never used the phones. We never used XXXX service. 

We returned to the XXXX XXXX to return the phones. We were told that they can not accept the phones because they do not stock phones. They told us to bring the phones to a XXXX store to return them. 
On XX/XX/XXXX, we traveled to XXXXXXXX XXXX, and we returned the phones to the XXXX store. We received a full refund. {$110.00} ( see attached XXXX cardholder summary ) We never used the phones. We never used XXXX service. 

In XXXX we recd a bill from XXXX. 
I called XXXX and explained that they made a mistake we never used the phones we never used XXXX. I called XXXX again in XXXX and again in XXXX. Last week I contacted XXXX and was assisted by XXXX XXXX. | Supervisor XXXX Wholesale | Member Service Center Today I received a letter from a collection agency, XXXX XXXX XXXX. I immediately called the company and spoke with XXXX and explained my dispute. I also sent an email to XXXX and to XXXX explianing my dispiute. 

We are being harassed. We never used the phones. We never used XXXX service. As I stated, the purpose of this email / letter is to dispute this unfair claim which is causing me and my husband great anxiety.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

I had my mortgage over 30 years. Select Portfolio servicing bought the mortgage. I was in a modificaton. When it ended I was informed that the maturity date on my mortgage came. I am being denied any type of hardship. Now they are threating to foreclose on my home. I am a senior citizen and a XXXX veteran and I don't want to loose my home. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave the consumer reporting agencies to report the account " XXXX XXXX '' on my consumer report. They keep sending my disputes back as verified not investigating and providing me with how they validated this account. U.S code 15 usc 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Immediately provide me with evidence that I signed and submitted written instructions for yall to put this account on my reports without my written consent. this is damaging my reputation and causing me emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey there! I originally saw a personal loan amount of XXXX $ from XXXX XXXX on my credit report in XXXX of last year. I have disputed non stop with all credit bureaus, called the loan company that has used my information fraudulently to open an account under my information. It had dragged my credit down from a XXXX to now a staggering XXXX. It is effecting my life and I have had to have my mother co-sign to finance my vehicle after my lease. The whole point of my lease was to build my credit. Oh well. I have disputed with all XXXX and identitytheft.gov, and through some research I have found yall. Whoever this person is has closed the account and now has apparently paid some of this loan off. Transunion also temporarily closed the account after my first dispute. My credit went from XXXX originally, to then a XXXX on the first drop. I noticed the fraudulent account, disputed and boom back to XXXX. I thought okay maybe transunion is helping me then next month or so huge drop to XXXX. XXXX points. Then XXXX, now XXXX. This is just a nightmare of an experience. The pics I provide will show the drops and whatnot.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I write to express my extreme frustration and disappointment with your persistent failure to rectify blatant inaccuracies on my credit report. It has been months since my initial investigation, and the fact that erroneous information still remains is completely unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) explicitly demand the authentication of reported accounts within a reasonable time frame. Your refusal to treat this matter with urgency and produce the necessary proof is an egregious violation of these statutory requirements. I demand an immediate and thorough investigation into the unverifiable items associated with the following account : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Balance : {$31000.00}. XXXX has already demonstrated a responsible and corrective approach by removing late dates and updating the negative status of this account to a positive one. It is bewildering and infuriating that your bureau has failed to emulate this action, especially considering the evident error in the reporting.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXXXXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX and XXXX XXXX XXXX. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just XXXX big inconvenience.I 'm outta here. This ACCOUNT XXXX XXXXXXXX and anything else you have under my name.
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 XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 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. 
XXXX XXXX  has violated my rights. 
I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Vehicle loan or lease

In XXXX 2014 my husband and I bought a mini van from XXXX XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : *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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : 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 any purpose.
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. 

XXXX XXXX XXXX XXXXXXXX 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 reporting agency may make any consumer report containing any of the following items of information Any ot
her 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: Debt collection

XXXX XXXX credit card company call everyday multiple times a day. I told them Im not working right now and dont have the money. They ask me how am I paying all my other bills like rent and why wont I just borrow from someone else. They are very disrespectful and the excessive calling is damaging
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXX - XXXX XXXX  regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.
Product: Student loan

On XX/XX/XXXX I was contacted by XXXX XXXX who stated she was from the U.S. Department of Education Student Loan Forgiveness Department Processing calling to discuss my student loan repayment options. She was able to provide me with secure information from my FAFSA  profile like my persons of contact, which is my mom and grandmom. She provided me with their first and last name and their home addresses. She proceeded to tell me that my full amount in loans is {$25000.00} and that they way it was set up now no would be paying on it for over 20 years. She asked what my annual income was to see if I qualified for loan forgiveness and I told her I make less than {$25000.00}. She then told me that I qualify for the Student Loan Forgiveness Program - Revised Pay As You Earn Enrollment. She said I would have to pay {$140.00} for 6 months for a total of {$870.00} and after those payments the rest of my loan would be forgiven. I provided her with my debit card to set up the payments to be taken out on the XXXX of every month. She then told me I would receive email confirmations to further solidify the process. She also said that I would be receiving a phone call from XXXX which is someone in their processing department that would be finishing my student loan forgiveness. After speaking with XXXX she emailed me documents to sign. And then the the first payment of {$140.00} was taken on XX/XX/XXXX and then a second payment on XX/XX/XXXX. I found out yesterday after speaking with the real U.S. Dept. of Education FedLoan Servicing Department that I had fallen victim of a scam. I was also informed that some papers had been faxed or mailed to them with all of my personal information and signatures and other information to change on my FAFSA documents. They changed my information to show my repayment option should reflect that I have XXXX children, havent filed taxes in the last two years and that I have non-taxable income. All of those accusations are false. I do not have any kids or dependents, I filed my taxes for the year of XXXX and plan on filing for the year of XXXX, and also I work a full time job where federal and state income taxes are taken out of every check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be resolved ASAP!
Product: Credit card

I made a {$700.00} payment to my account on XX/XX/XXXX via XXXX. I received a notification on XX/XX/XXXX that the payment had posted to my account. I tried to make an {$16.00} purchase and was denied so I contacted Capital One. I was told that even though my payment had posted on the 8th my funds were being withheld until XX/XX/2023 which is bizarre because I have never had returned payment to Capital One. The FIRST gentleman I spoke to agreed to call my bank and verify that the payment cleared to release the funds. XXXX was closed at XXXX PST so he was unable to complete the verification. I called back at XXXX on Saturday and spoke to XXXX who told me completely different information that no such verification process exists and that my payment was on hold because I had several declined purchases. Well XXXX they were declined my money was on hold. Irate I asked to speak to a manager, XXXX gets on the phone and she has a COMPLETELY different answer to the last 2 gentleman. She said she has no idea why the payment was put on hold. Capital One does this to make sure that their funds clear. Its " 2023 this was an XXXX transaction not a paper check. The funds not only cleared the next day Capital One sent me a notification that the payment posted to my account. I am lived because Capital One has improperly held my payment after they have already received the money. There was no notification WRITTEN or VIA TEXT that my funds would be unavailable I had to call in to find out. What if it was an emergency?
Product: Mortgage

Despite the fact that I have been fully insured and faxed all insurance proof ( flood & HOA ) on XXXX2017, the company " XXXX XXXX '' formerly known as " Nationstar Mortgage '' has purchased a {$1700.00} insurance on my behalf.
As a result of that, they have increased my Escrow Projection and incorrectly adjusted my monthly payments from {$2900.00} to {$3100.00}.XX/XX/XXXX payment has already been processed with the wrong amount. 

I have tried to contact them via website and telephone multiple times with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX XXXX XXXX a/k/a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On Thursday, XX/XX/XXXX, my account with Simple was frozen. I was not told about it. I found out when my debit card stopped working and when I couldnt transfer funds between the shared account with my husband or either of our individual accounts. When I called support, I was asked multiple fraud-related security questions, but was not told why my account was frozen. I was only told that the issue was going to be resolved soon. 

Each time I have called, I have told some variant of the issue has been re-escalated and someone will reach out with a support message soon Just this afternoon ( XX/XX/XXXX ) I received a support message that said my account is being closed per section 17 of the disclosure agreement. My money is locked up and I cant access or move it, and now the account is pending closure. They wont explain why or stop it. 

Any assistance you can give would be greatly appreciated