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

For a Chase Sapphire Reserve credit card : XX/XX/XXXX : I attempt ( multiple times and with multiple hotels ) to book a hotel in XXXX using Chase Travel 's online portal for the weekend of XX/XX/XXXX. All attempts result in messages that the offer is no longer available, but it will let me try to book the same offer again. I call Chase travel, and they are receiving the same error on their end. I escalate to tier 2 support, who is also unable to book. Tier 2 offers me XXXX points and recommends I try again the next day. Points are promised to hit my account within 72 hours. 

XX/XX/XXXX : I try again online with the same results. I call again, and get to tier 3 tech support who has the same issue and claims to put a ticket in to have me alerted when the system is working. 

XX/XX/XXXX : I try again online with the same results. I call again with the agents having the same issue. I am promised XXXX points for my trouble by tier 3 support ( to hit the rewards account within 72 hours ), and that there will be an offer to cover the extra cost of being unable to use points. I book a hotel externally to Chase Travel ( meaning I am unable to use my points ). 

XX/XX/XXXX : No points have hit my account. I call Chase Travel, where a tier 3 support promises they will be resubmitted and hit my account within 72 hours. 

XX/XX/XXXX : No points have hit my account. I call Chase Travel and Chase Cardmember Services. Cardmember services is unable to help. Chase Travel offers to look in to the issue and get back to me. ( Email text below ) XX/XX/XXXX : No points have hit my account nor have I had any correspondence from Chase Travel. I call Chase Travel.  They claim they have not yet looked into my issue due to holiday jams. 

Email received from XXXX on XX/XX/XXXX : I am writing regarding your XXXX points that was promised by the previous agents. 

We will follow up on the call id recording that you provided that requires us to listen for further investigation in order for us to process your request. Once we found out that your promised points has not been processed yet we would be sending you an email immediately or you will receive a call back from us immediately for us to complete your request. We apologize for any inconvenience you've experienced. 

If you have any questions, please don't hesitate to contact us by dialing XXXX and requesting a supervisor. Were available 24 hours a day, 7 days a week.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently conducted a thorough review of my credit report, and I was deeply disturbed to find several unverifiable, invalidated, inaccurate, and questionable items reported by your organization. These errors are not only unacceptable but have also caused me significant distress. Under 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. Additionally, 15 U.S. Code 1681i ( 5 ) mandates that if any disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. Therefore, if you can not provide verifiable proof of the following items within 15 days, you are required by law to remove them from my credit report immediately. 

Disputed Items : XXXX XXXX XXXXXXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX  XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX - XX/XX/year> - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX   XXXX  XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX RETAIL CARD SERVICE Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft
Product: Credit reporting

Hello, My father and I have the same first name and last name the difference is that i have a middle name. When i am trying to do anything with a credit check using my SS # his credit information comes up. Trying to gather my information from the credit bureau i am unable because of information that i can not provide.
Product: Checking or savings account

Fees issues, couldnt access accounts ended up closing bc of poor service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of this unauthorized credit inquiry on my credit report. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I also do not have an open account with your company. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that you delete this inquiry immediately from the credit file that you maintain under my Social Security number.
Product: Vehicle loan or lease

I cant afford to pay XXXXXXXX  monthly because my finance has decreased 10 % due to COVID I can only afford to pay a monthly amount of XXXX monthly. Ive tried speaking with credit acceptance to lower my payments and they said they can only split the payment biweekly which still doesnt work for me.
Product: Mortgage

Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding the mishandling of my mortgage payments and the unjust imposition of late fees, despite payments being made on time. As a veteran with a XXXX, it is of utmost importance to me to maintain my financial obligations, and I am deeply troubled by the events that have unfolded. 
Account Details : Account Number : XXXX I have been a responsible customer with Bank of America, holding multiple mortgages with them and other financial institutions without any history of late payments or escrow deficits. However, a recent series of events has led to significant distress and financial implications for me. 
Timeline and Summary of Events : Exhibit A : In XX/XX/XXXX, Bank of America conducted an escrow analysis and determined an increase in my escrow payment, effective from XX/XX/XXXX. Despite my monthly payments being consistently made, Bank of America erroneously placed my XXXX payment into a holding account, incorrectly citing late charges. This action initiated a cycle of unjustified late fees, persisting until XX/XX/XXXX, despite my continuous efforts to rectify the situation through written correspondence and emails. 
Exhibit B : A letter from Bank of America dated XX/XX/XXXX, attempted to justify the mishandling of payments by referencing a clause from a note signed in XX/XX/XXXX. However, Paragraph 3 of said note clearly outlines my monthly payment obligations, with no mention of escrow, indicating that late charges only apply to principal and interest payments. 
Exhibit C : Further examination of the mortgage agreement ( Exhibit D ) reveals that the lender is explicitly prohibited from charging the borrower for holding and applying funds ( escrow ). Despite fulfilling my payment obligations diligently for many years, Bank of America chose to impose late fees based on projections of future escrow shortages, without any evidence of current deficiencies. 
Exhibit E : Despite Bank of America acknowledging my tax exemption status in a letter dated XX/XX/XXXX, and issuing an escrow overage refund check on XX/XX/XXXX, they failed to reverse the unjust charges or correct the reporting of late payments to credit agencies, resulting in a detrimental impact on my credit score. 
In light of the aforementioned events, I request that the Better Business Bureau investigate this matter thoroughly and compel Bank of America to : 1. Reverse all unjust late fees imposed on my account. 
2. Correct the reporting of late payments to credit agencies.

3. Provide compensation for any damages incurred, including the negative impact on my credit score. 
4. Implement measures to prevent similar incidents in the future and ensure compliance with regulatory standards. 
I have attached relevant documents ( Exhibits A-E ) for your reference and urge you to take swift action in resolving this issue. Your intervention is crucial in restoring my faith in fair and ethical banking practices. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in achieving a satisfactory outcome. 
Sincerely,
Product: Debt collection

I recently spoke with several individuals at National Credit Adjusters about the above account. Attached you will find an FTC filing that states that not only the account with NCA is not mine but also the XXXX Visa account which your company is attempting to collect is fraudulent by way of identity theft. I have NEVER had a XXXX  VISA. I have NEVER received a XXXX  VISA to my address at XXXX XXXX Ct, which has been my ONLY mailing address for the last 5 plus years. A XXXX  Visa card tradeline has NEVER appeared on my credit file on ANY credit bureau. 

As I am filing both of these accounts with the Federal Trade Commission as fraud, I ask that your company follow the law and block/remove this collection from my credit files at all three credit reporting agencies immediately. I have attached this correspondence to myself, FTC and CFPB.
Product: Credit card or prepaid card

Hello, I'm providing a statement letter attached for my dispute against the merchant " XXXX - XXXX XXXX XXXX CA '' for {$990.00} on XX/XX/2018 on the card ending in XXXX. 

The merchant has not provided what was paid for. They have actually provided NOTHING in exchange for this transaction. I ask that you please carefully review this and credit back the funds or ask the merchant to provide what was paid for. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank clearly stated after I had applied for a credit card, that I would not be penalized nor a record report on my account after such application was denied.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its 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 Finanancial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/22 around XXXX someone by the name XXXX XXXX from Midland Credit Managment called my boyfriend questioning him about a credit card I owed. He then called me on a 3 way to listen to the conversation she asked him to verify my social which he dont know second thing he asked her did she know she said yes and give him my last 4 digits. They called his phone everyday harassing about a payment and they was taking me to court. Something need to be done
Product: Debt collection

Company say they sent a live check thru mail and I had no knowledge of it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible cause to believe that the information is Inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a certified letter to Kohls/Cap One on XX/XX/XXXX for them to remove a late payment that is reporting on my credit and asked them to provide proof which they did not. All they did is respond with a letter that verifies the balance and when account was opened but no proof of the late payment that they must provide or have it removed from my report. Please assist in getting proof that the late payment is valid or it should be removed from my report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an invest into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX that a XXXX XXXX XXXX XXXX account was opened in my name in XX/XX/XXXX. XXXX made a hard inquiry before opening the account. Both the inquiry and account were then included in my credit profile at all three agencies ( XXXX, XXXX and Equifax ). 

I reached out to XXXX to investigate, and they determined the account to be fraudulent. They sent a letter dated XX/XX/XXXX confirming that they closed the account. They sent a 2nd letter dated XX/XX/XXXX confirming a fraudulent application was made in my name and that they informed the credit reporting agencies to remove the account. They sent a XXXX letter dated XX/XX/XXXX stating that they requested that the consumer reporting agency " change '' the inquiry. I have no idea why they used " change '' instead of " remove. '' I also reached out to all three credit reporting agencies. XXXX and XXXX removed both the account and the hard inquiry. Equifax only removed the account, but not the hard inquiry. I have had multiple conversations with Equifax representatives and got different reasons for why the inquiry remains. 

I want the hard inquiry removed since it was based on fraud, unauthorized by me, misrepresents the nature of my creditworthy behavior and impacts my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.
Product: Checking or savings account

My wife, XXXX XXXX, and I opened a Citi Elevate checking account and Citi Accelerate Savings account in XXXX. Once the accounts were finally set up, we transferred funds ( ~ $ XXXX ) from our existing accounts at XXXX and XXXX XXXX XXXX. Those transactions successfully went through from those external accounts the first and second week of XXXX. This Sunday ( XX/XX/XXXX ) we found out that we could no longer log in to our account and that the account was locked. My wife called on Monday and was told that Citi closed the account due to suspicious activity and that we would get a letter in the mail in 7-10 days notifying us of the closure and then it would be 30-60 days before we could get our money back. We were told that a supervisor would contact us to discuss this issue but no such contact was made. This closure was done without notifying us first and Citi made no efforts to verify the validity of the transactions ; in fact, we were never told what activity triggered the closure. Today ( XX/XX/XXXX ) we received an email indicating that the account was closed due to an apparent violation of the terms of service. We were not told what was violated and were provided no recourse. I called Citi again today ( XX/XX/XXXX ) and they indicated that there was suspicious activity on the account and that they closed the account because it presented a risk to Citi. They told me the same information as they told my wife and said that the account was closed by their back end account managers and that they could do nothing about it. They could not connect me to said account manager to discuss the issue. 

This behavior is totally unacceptable in our opinion as now almost all of our money is locked in a closed Citi account for 30-60 days while they review this. Citi could have notified us of the suspicious activity and sought to verify the validity of the transactions. They could have also blocked the transactions and notified us so that we could rectify the situation. Instead, they unilaterally decided to close the account without any notification and froze our money in their bank. The fact that there is no way to access this money sooner or dispute the closure is unacceptable.
Product: Mortgage

I reached out to Mid-america mortgage when I learned that my tenant would be moving out of my house in XXXX XXXX. I had a buyer contact me and started lining up a short sale with mid-america mortgage starting the end of XXXX. Mid-America completely botched the short sale twice. The first time they weren't sending the right documents to the buyer and title company, the second time they raised their expected revenue by $ XXXX on closing day and the buyer walked away. This company has been deceptively slow in transactions and responding to me, and when they acquired my XXXX loan back in XXXX of XXXX, I was not able to make a payment for almost 5 months, even when I phoned nobody would take a payment. I fell behind, hence the loss mitigation and trying to get rid of the house versus getting caught up which I can not afford to do, nor can I afford the $ XXXX maintenance on the property, which magically the Mid America Appraiser ignored compared to two other appraisal performed on the property. I believe Mid America is acting in poor faith and is negligent since last XXXX in regards to the servicing of the house and property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. During the second short sale attempt, they constantly misplaced documents that the buyer or myself had to constantly resend them. They originally asked for $ XXXX in revenue and bumped it up on closing day and my buyer walked away. I believe this is a tactic for them to be able to report a higher debt on a deed in lieu of or other public record against me, even though the property was XXXX through a chapter XXXX bankruptcy. I fought to get a buyer to benefit them and they blew that back in my face. They are already netting my Va Loan guaranty and there should have been no reason for them to come back and ask for more money. Now, they have sat on a deed in lieu of application for two weeks with no movement, and just keep " notating '' the account and telling me someone will contact me. Nobody from Mid-America has ever contacted me. This house and this company are adding unnecessary stress to a permanently XXXX combat veteran. I feel like this is the time to have the company have external pressure applied to protect my mental health and to do their job in a timely manner and to prevent them from somehow attacking me on the backend.