23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In early XXXX, I noticed some strange transactions on my account from XXXX XXXX ID # XXXX for {$100.00} each month, sometimes twice for the month and sometimes for a lesser amount which I notified the bank and they opened an investigation. However, after some time, the bank closed the investigation without taking any action to resolve the matter, which left my account exposed to criminals as they continued to violate my account with the bank 's permission. I made many attempts to fix the issue with no success. However, sometime in XXXX, I called the bank and I was told that it would be best for me to go to a local branch, and I set the appointment. On the day of my appointment, a gentleman asked me the reason for my visit to which I told him and he invited me into his office I gave him a copy with the name and phone # of the so-called merchant company, which he took. However, instead of looking into my account, he called the so-called merchant company who told him that we authorized the transactions, which we did not. However, my bank took the words of the so-called merchant and told me to work it out with them. Furthermore, he did nothing, not even look at my account, which left my account exposed to the criminals to continue stealing from me with Bank of America 's permission. But, he did advise me to call the so-called merchant but he had other appointments ... I was not pleased and called the bank and spoke with a lady who put some kind of freeze on my account and also sent a form : Unauthorized ACH Corporate Return Form for me to submit, which I did and still waiting for a resolution to date.
Product: Mortgage

XXXX. I need XXXX XXXX XXXX XXXX  loan to paid due to corrupt court and I will never get court protection but retaliation from XXXX and Fed courts. 

XXXX. I have been asked to pay twice for property tax included. I have been billed for XXXX XXXX XXXX I paid in full property tax from XX/XX/XXXX to XXXX of {$3200.00} XXXX XXXX XXXX  Monthly statement from XX/XX/XXXX shows {$320.00} property tax when I have paid it in fuXXXX XXXX XXXX XXXX. Below that it shows shortage of {$99.00} XXXX XXXX XXXX. {$60000.00} was asked to pay by CA XXXX XXXX  now they are charging me short. CA XXXX XXXX  saying SLS should they contact CA XXXX XXXX for shortage. 

XXXX. XXXX dated attached had negative escrow amount of {$13000.00} property tax attached is {$3200.00} add {$13000.00} equals to {$16000.00} XXXX XXXX XXXX. Payment from {$60000.00} from CA XXXX XXXXXXXX shows {$17000.00} for property tax while as {$13000.00} plus {$3200.00} is {$16000.00}. XXXX XXXX XXXX. Since XX/XX/XXXX XXXX has not mailed single mortgage statement despite they have informed XXXX many times not to send mortgage statement to any other address. This is violation of XXXX. 

I need to pay off the loan asap without resolving of the above I can not pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been paying on time with Self Lender since XXXX XXXX with auto draft and Ive just notice today via looking on XXXX that the company hasnt been reporting payments to XXXX, and per the company they report to XXXX, XXXX, and XXXX. My XXXX 2022 payment hand t report either. I contacted Self via chat today and she per CSR they have been notified about this and issue is being investigated by escalation team, but nobody has never reached to inform me. Had Id not check via XXXX  I wouldnt havent know. The purpose of the sign was to help improvement Credit for all 3 credit bureaus.
Product: Credit card or prepaid card

I opened up my Bank of America credit card in 2006 and I have had a 100 % payment all these years and now Bank of America has closed my credit card for no real reason, as Ive been a responsible user for 14 years with no late payments at all, my credit is negatively being impacted for losing this credit line.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time there were mistakes that appeared out of nowhere. I even refreshed the page, thinking it might be a glitch, but nothing changed. These wrong accounts stayed on my report despite my efforts to refresh the browser. This issue is really troubling me, so Im asking that the documents I sent be carefully reviewed to avoid this kind of stress again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request”. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same “canned” response from Experian because they think no one will take legal action...The items in question are as follows:ACCOUNTS	XXXX/XXXX	****XXXX	XXXX	****XXXX	XXXX		****XXXX	XXXX XXXX XXXX XXXX	****XXXX	INQUIRIES	XXXX				XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX	XX/XX/XXXX	PUBLIC FILINGSXXXX XXXX XXXX XXXX XXXX/XXXX	XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXX		XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for faling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name 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 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On or about XX/XX/2020 the city of XXXX came in to XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) and forced us to close due to corona virus threat. On or about XX/XX/2020 I was contacted by a representative of Model Finance Company regarding my due payment. Arrangements were made as follows : XXXX payment deferred at a cost of {$64.00} for interest fees of that month payable by XX/XX/2020, XXXX bill deferred for free. 

Today XX/XX/2020 at about XXXX pst I had a 1 minute conversation with a representative of Model Finance Company . I was asked to pay what I owe. I was asked why I wasnt receiving unemployment insurance benefits ( because the government promised to pay out of work self-employers ) the representative stated. I was asked if I had really applied. I was told he didnt like my attitude and then he told me, I was going to offer you some payment arrangements but now XXXX XXXX  and I yelled XXXX XXXX  back as he was hanging up in my face. I waited 2 minutes before calling back and asking to speak with a supervisor so I could file a formal complaint and request information on filing for harassment. I spoke with another man whom also refused to identify himself as he felt offended by my indignant response to his questions I believed to be unrelated as I was already exhausted from everything going on with the pandemic and being forcefully out of work. The gentleman then resolved to reposes my motorcycle that Ive never missed a payment on prior to this pandemic.
Product: Mortgage

I am an XXXX XXXXXXXX XXXX  since XX/XX/XXXX. The Servicemembers Civil Relief Act ( SCRA ) allows service members to reduce the interest rate on mortgages to 6 % for one year after XXXX XXXX if the mortgage was taken out before entering service. The 6 % cap applies from the first day of XXXX XXXX and any interest above 6 % is permanently settled. The service member 's monthly payment must be reduced by the amount of interest saved during the covered period. 
I applied for the SCRA benefit on XX/XX/XXXX and on XX/XX/XXXX the SCRA benefit was approved, but the approval letter didn't mention about any changes on interest rate. I had my wife XXXX XXXX called customer represenative on XX/XX/XXXX and after a few minutes of brief hold, she told my wife the interest rate will be adjusted to 6 % for the coming month. Since the mortgage payment is deferred, the principal and interest in XXXX is due XX/XX/XXXX, so we assumed the payment will be adjusted to 6 % for the XX/XX/XXXX due payment. However it didn't change a bit. I haven't received the XX/XX/XXXX due mortgage statement yet, but I called on XX/XX/XXXX and customer rep told me " nothing will change on the interest rate ''. This is clearly against the SCRA law. The mortgage was obtained in XX/XX/XXXX which is way before my XXXX XXXX service started. According to the law, loan servicer is required to reduce the interest rate to cap at 6 % from the date I entered XXXX XXXX service. We still pay the same amount mortgage. I had applied SCRA benefit to my other loans like car loan, the loan servicer automatically applied the over-paid interest to reduce the principal and dated back to the date when my XXXX XXXX service started. I'm expecting SPS Service shall do the same.
Product: Credit reporting or other personal consumer reports

I used an XXXX XXXX card since XXXX. There was almost XXXX to {$15000.00} a month passed through this credit card for business and personal use. 

In XXXX My identity was stolen, and credit cards were used for the purpose of a previous employee who used it for running up bills in my business name as well as personally. this person was arrested for his actions as well as other crimes. I filed a police report at that time. All my creditors including XXXX XXXX, XXXX XXXX  XXXX all recognized and canceled any debt that was written on those credit cards. However, XXXX XXXX would not. 

I fought this for over a XXXX year period. Over that time I continued to make payments on the card even though I felt it was unnecessary but I didn't want my credit hurt. I sent all paperwork necessary to XXXX XXXX to prove my innocence and they kept telling me they didn't receive it. My next step was to take it to small claims court as well as they took it to collections court. We settled on an amount and I paid the difference. even though I felt that I didn't need to It was the best that I could do. 

I have a XXXX credit bureau with everyone except Experian on this card as I made the necessary actions to clean the history with all credit bureaus and XXXX XXXX. For some reason they do not recognize and have not adjusted a charge off from XXXX XXXX. So they asked me to submit this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX 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. 
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 a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my XXXX credit card has been reported inaccurately since XXXX 2017. I contacted TransUnion and XXXX to correct this problem on XXXX XXXX, 2017 and again after the disputed results remained inaccurate. The balance on the account has been {$0.00} for over a month and I submitted the XX/XX/XXXX bill to TransUnion with all transactions and {$0.00} balance as proof. XXXX reports are accurate in both XX/XX/XXXX and XX/XX/XXXX and shows a {$0.00} balance. TransUnion shows a balance much higher than my credit limit, as owed. This inaccuracy continues to negatively impact my credit score.  The TransUnion File # is XXXX.
Product: Student loan

In XXXX I refinanced my home in hopes of paying off some debt. My lender accidentally sent a {$14000.00} payment to my student loan ( which was in Covid deferment at that time ) instead of paying off my vehicle, which created huge financial issues for me. 

I am part of the Public Student Loan Forgiveness ( PLSF ) program XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and when I called my servicer at that time I was told that I would have to complete the PLSF program and would be reimbursed after I hit my 120 payments. I reached 123 payments and have inquired several times about getting reimbursed for the overpayment, but have not been able to get any information about getting reimbursed.
Product: Credit card

On XX/XX/year> I called in to my Bestbuy Citi Bank credit card services to pay my bill that was due on XX/XX/year>. I made my payment over the phone with a live representative the day before it was due in the amount of {$100.00} in which at the time I only had {$49.00} due. However in the mist of me paying a day early with a live rep and above the minimum payment due this credit card company have placed a restriction of use, late fee and have a automated calls sent to me throughout out the day or when I call you in system saying I have not made a payment. This has been going on for the last couple weeks for this incident and they have had my payment took out of my bank since I made over phone payment on XX/XX/XXXX. Moreover this year alone the bank has been wrongly posting/documenting some payments that were supposed to have been allocated towards a promotional balance that is due to expire in XXXX. Nevertheless I have pretty much a 100 % good payment history with them but yet my credit card is currently on restricted use and being reported in their system as a late, non-payment with late fee in spite of them being paid before hand. They claim they are working on the matter on certain calls but on other calls Im being told its fixed. Please help with the mistreatment of this company. I should not be mistreated when I have not done anything to deserve this. I have followed all the guidelines of credit card company but being victimized??? As a courtesy and an ongoing inconvenience I should be issued a monetary credit and as wells a fix the mishaps that keep taking place on my account without a justifiable cause. This is a hardship and making it hard to trust the company going forward.
Product: Credit card or prepaid card

My Apple Credit Card with Goldman Sachs account has been restricted since around XXXX of XXXX. Every-time I try to contact Customer Service I get told to wait until the review has been completed. Ive submitted my ID and all sorts of documents to prove my identity. This is absurd. My credit card has been unusable for a year now and Ill probably be dead by the time they unlock my card.
Product: Debt collection

I paid off a charged off credit card on XX/XX/2020. I was informed by home refinance company I need a receipt to prove the had been paid. I contacted Bank of America on XX/XX/2020 to request a receipt for the payment. I was instructed that the receipt would automatically ve send within 10-15 business of payment. The money had been debited immediately from my checking account. As of XX/XX/2020 I have not received the receipt. I contacted Bank of America today and was informed that I had to specifically request a receipt for the payment. This information is materially different from the information I was given on my XX/XX/2020 call. This misinformation has caused a substantial and detrimental effect on my va home refinancing.
Product: Credit reporting or other personal consumer reports

In early XXXX, I discovered an account from Discover Bank on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted Discover Bank to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid.

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights.

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.
Product: Credit reporting

I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.
Product: Credit card

We were charged for an online transaction we did not authorize. The credit card company refuses to acknowledge that we did not authorize the charge. My wife started the process of booking a room and got part way through the process and abandoned the website before completing the authorization process and before getting a confirmation that the booking had been completed. The website indicated we would get an instant confirmation. It began asking my wife questions that made her nervous that the system was a fraud so she did not answer the questions and did not complete the authorization process. She did not receive the promised " instant confirmation '' number or booking number. She abandoned the website when it started asking her for information she did not want to and did not provide. To her surprise she later received an email indicating that she had completed the booking even though she did not complete their booking process online. She immediately contacted or attempted to contact the parties involved to try get the issue resolved and she proceeded to cancel the booking that she had never made but the email indicated that she had. The vendors refused to acknowledge their fraud. And refused to refund the money. So we disputed the charge with Citi and the dispute was incorrectly characterized as " no services received '' or something like that. It was not properly characterized as an unauthorized charge. Citi says that since we provided our card information during the process that it doesn't matter that we did not actually authorize the charge or complete the authorization and booking process.
Product: Checking or savings account

I am a XXXX XXXX and open an account with Bank of America as I was attending college away from home. I open the account and everything was fine. I was sitting at home and a letter came in the mail stating I had deposited a {$5000.00} check from XXXX into my account which I never did as I did not have a job or ever work for them. My XXXX became alarm and said it was some kind of scam and my account was compromised. So she told me to go to the bank and let them know you never did that. So I did and I was told that they could no longer have my account open because of this. I do not believe that should have happen as I did not do this as this was my first year in college and my statements went to my parents address. I did have the app on my XXXX but never had I seen the check until a copy was sent to my home. I deserve to have an account and they protect me. I don't believe any money was distribute and I was not using the account as we started using the cash app they is very popular to get money to your XXXX XXXX. Bank of America is wrong.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to their failure to accurately report the status of a closed and charged-off account on my credit report. Despite multiple disputes and direct communications with XXXX, the account continues to appear on my credit report inaccurately. 

This ongoing issue has severely impacted my credit score and financial well-being. The charge-off status is particularly detrimental and unjustified, as I have provided XXXX with all necessary documentation to prove the inaccuracy, yet they continue to verify the erroneous information. 

I am seeking the CFPBs assistance to investigate this matter and require XXXX to remove this closed and charged-off account from my credit report within 7 days. Your prompt intervention is highly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, California, XXXX ] [ XXXX ] XXXX
Product: Vehicle loan or lease

We extended our XXXX XXXX 2020 lease for 6 months. We were never sent the paper work and our use of automatic debit stopped working. Thus, the payments stopped. We rectified the situation with customer service however the account information for balance due was incorrect. We waited for that to be changed. However, when we logged in it would not allow us to make the payment electronically. It kept saying not available. Thus, two weeks before the payment would be 30 days late we mailed a paper check. We let Ally know this. The check was not cashed. So we called and the were able to get us into our account electronically. We made the payments to fully catch up however they are writing that we were 30 days late. We have never been late before and always paid on time with a perfect history. It is not our fault that we tried to make payments and it wouldn't let us electronically. There is a charge to pay by phone. We also attempted to pay via check but it was not cashed by the company for some reason. They recognized the problem and in fact waived the late fees because they knew it was not our fault.