23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am disputing Bank Of America 's reply to my last complaint. They say thatbecause I signed the loan papers, that showed that I fully agreed to it 's provisions. 
However, because I trusted BOA to provide accurate info, I did not have accurateinfo on my home 's value until I was able to do more research later. I was surprised to findto find the house had been appraised about for about {$100000.00} more than it'smarket value. Also, it took about XXXX years to get a copy of the XXXX appraisal. 
This considerably increased the cost of the loan and made it impossible to sell thehouse. I am still asking for compensation as originally requested.
Product: Credit card

I over paid a medical bill and was sent a {$50.00} debit card from XXXX. I tried to activate the card but could not do so.
Product: Credit card or prepaid card

I signed up for a XXXX AMEX XXXX that offered XXXX miles if I signed up and paid the flights fees. After I signed up it would not allow me to book the flight
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Trans Union, XXXX and XXXX  several times asking them to do a investigation into a ( filed ) bankruptcy they are reporting on my credit report ... I have sent them letters from the bankruptcy court stating they do not share this information with anyone. So Im unsure how they are validating this negative item that they refuse to investigate. They said they get their information from XXXX but the bankruptcy courts again said they do not give this information to anyone. And my XXXX report is frozen how are they even getting information from them? I sent that as evidence yet they still refuse to remove this information from my report ... this is fraudulent information as it is reported that is was paid/dismissed, this is completely inaccurate I never met with a grantor/trustee nor did I attend court for any bankruptcy ... it was a filed bankruptcy and I immediately withdrew with the attorney and choose to go a different route. I attached two pieces of information showing that they cant possibly be validating this information as stating the bankruptcy court is the reporting agency on my credit report yet they receive the information from a third party!
Product: Credit reporting

submitted a request for a investigation of incorrect information on a account months ago. Still shows as consumers investigation but nothing else, should have been removed from account as of XXXX anyhow.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies and violations from accounts on my credit report that I discovered. After months of Experian sending stall letters I finally got them to investigate my dispute letter just for them to tell me everything is " accurate '' or " verified '' when I directly pointed out the violations and inaccuracies. Also, under 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) I requested a description of the procedure that was used to determine how these accounts are " accurate '' or " verified '' which I still have not received. These accounts and the agency stall tactics that they are keep using are hindering me from a better future for me and my family. I need these accounts DELETED immediately.
Product: Credit reporting or other personal consumer reports

Hello- Thank you! My loans have been discharged but I have been fighting with XXXX about removing XXXX late payments XXXX times in XXXX on my credit report. I was told this would be clear with the discharge. I was in between deferments and at the time I lost my job due to XXXX, I have been writing, emailing and calling since them for assistance. Please help XXXX. I was told these would be removed when my loans were discharged. 

XXXX was during covid and communication was limited - Navient did not have my correct information and has not listened to my issue since I have been addressing in since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX - and XXXX stated in previous response that they reached out multiple times but this was a trying time for everyone and I have been begging for these to be removed. 
XXXX individual loans / 120 days past due - I was told they would be removed with the discharge. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
Product: Credit card or prepaid card

I have recently noticed a "  XXXX   XXXX  '' charge on my Macy 's credit card. I tried to cont act Macy 's they t old me to contact another company, but  XXXX  does not have customer friendly hours and I can not get through. I want a refund for all of the months of paying this charge unbeknownst to me.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer, I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal regarding reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully. 


The reporting of this account as a debt is unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 )
Product: Payday loan, title loan, or personal loan

I borrowed {$600.00} from Loan at Last with the understanding that I would be making payments of {$280.00} for 3 months. I contacted them to ask them if I could skip a payment and that's when I found out that my loan would not be paid until XX/XX/2020. My caregiver helped me figure out that I would be paying over {$3000.00} in the end, for a loan of {$600.00}. My caregiver is helping me with this complaint, as I have a XXXX XXXX, which she thinks is how this company was able to swindle me into signing up for this loan. I only borrowed the money because I was falling behind on my phone payments. Now I am in even more trouble. I get SSI and I have a job, but the idea that this company will get over {$3000.00} from me because I wanted to borrow {$600.00} does not sound legal to me or my caregiver.
Product: Bank account or service

My bank refused my check to an account that is from my bank. No one seems to understand what happened.Capitol One manages my XXXX Account.It is identified as a Capitol One Account, I called them to find out what happened and no one could explain. I was on the phone for an houreventually they wanted to do a conference call but the person was out to lunch. 
Then I was told to call back again. XXXX hours on the phone and no solution. 

The account is marked Advised. 

A report was made to credit sources and XXXX sent me a letter to advise that they had sent it to credit agencies.???? 
This is the letter that was sent to me online from the bank private mail.. 
Your payment to XXXX XXXX XXXX for {$290.00} on XXXX/XXXX/2015 wasrefused by the payee. This payee would not speak to a XXXX partyregarding the reason for the returned payment for the security of youraccount. 

We are in the process of issuing a refund to your checking account withCapital One. Please allow XXXX business days for refund to be applied ( excluding weekends and holidays ). 

We apologize for any inconvenience this may have caused. 

Thank you for banking online with Capital One, we appreciate yourbusiness and the opportunity to serve you. 

Regards, XXXXCapital One Online BankingI talked to XXXX XXXX but not to them and the bank and they said systems error maybe? What is this all about. If the bank has a relationship which is shown to be Capitol One, how can it not honor my check? 
Please advise. 


XXXX
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to buy out my car at the end of the lease with a bank check in hand. Upon entering they immediately took my keys, and charged me {$100.00} on my credit card for " starting the application process ''. Despite what they repeatedly swore to me on the phone prior to my arriving, they surprised me with a XXXX XXXX DOLLAR additional charge to allow me to buy the car ( on top of all the usual fees, and the actual book value of the car ). They made up various lies about why this is the case, and got enraged at me when I tried to tell them they were scamming me. They then held my keys and the {$100.00} refund to hold me hostage for TWO HOURS while they sent person after person to try to convince me why the XXXX XXXX dollar fee was acceptable. They finally refunded me and gave me back my keys, and I left, and bought the car at another dealership for no such fee, of course. The people who work there are scammers, liars, and cheaters. It's disgusting that they are allowed to conduct business this way.
Product: Credit reporting or other personal consumer reports

I am writing to dispute specific unauthorized credit inquiries made on the SPECIFIC dates shown. I did not authorize these inquiries, and under federal law, repeated access to my credit report without my explicit permission is prohibited, regardless of whether I currently hold, or have held, an account with this company. 

List of Companies and Unauthorized Inquiries dates which are not mine and must be removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization before any inquiry is made.

Please have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me ALL of these a absolutely in accurate and im very concerned about XXXX be it a mortgage company and I have NEVER applied for a mortgage in my life. ALL these must be removed. 

Once fraudulent information has been removed, please send me a copy the corrections/ of my corrected credit report. 

ALSO, I am attaching supporting documentation, that these were removed by XXXX and as such shows that it was not legitimate, and MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX XXXX : {$1200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$5600.00} XXXX XXXX XXXX Account number : XXXX Balance : {$480.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$700.00} XXXX Account number : XXXX Balance : {$3100.00} ( Original Creditor XXXX XXXX XXXX ) Account number : XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # 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. 
It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX 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. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Datamax is reporting a charge from XXXX XXXX in the amount XXXX.information not valid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 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 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 an account without my written instructions.
Product: Credit card or prepaid card

Prior to my annual fee being charged, I downgraded my citibank world elite prestige card with a {$490.00} annual fee to a citi rewards plus card with no annual fee. 

Citi charged my account with an annual fee, along with an additional user fee of {$75.00} as if I still had the original card and not the downgraded card. 

I called and after multiple calls, they refunded my {$490.00} annual fee but never refunded my {$75.00} additional user fee. 

I am going on XXXX phone calls to the company where their representatives will promise to take care of the charge, then get me off the phone and never follow through. They will tell me to call them back in XXXX business days. They have asked me to mail them a copy of my statement that I am looking at online in the portal that they provide but apparently " do not see that charge ''. I am typing this while I am on my XXXX phone call and currently XXXX hours into my ordeal of trying to speak to a supervisor since I believe that their request to have me call them back in XXXX business days is unacceptable since I have been calling multiple times on this charge for well over a month. 

I have the sense that citi is stalling me until I refuse to call them back and just accept that they are ok to steal my {$75.00} dollars that is due to me. I refuse to do so and will continue to fight and notify as many other consumers about citi 's poor business practices.
Product: Credit reporting or other personal consumer reports

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I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account that's more than XXXX XXXX XXXX for XXXX XXXX  that should not be on there ( opened XX/XX/2015 ). Also, there's an account showing for XXXXXXXX XXXX The loan type states " buyers debt '', which is incorrect. It was for an auto loan with XXXXXXXX XXXX. This is on Experian credit report company. I was able to get this removed from my XXXX report, for this valid reason. Experian denied my dispute.