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

On XX/XX/XXXX and credit card purchase was made to XXXX  in the amount of {$490.00}. My husband tried to use the software and was not working. He tried to get in touch with the company with no response. Then a dispute was put in with Bank of America on in XX/XX/XXXX. Received a letter in the mail on XX/XX/XXXX which was dated XX/XX/XXXX asking to sign and date the letter to indicate not satisfied with the product and to produce additional information which I did and had to be submitted by XX/XX/XXXX. Given 2 days to respond is quite absured. They were sent the screen shots showing XXXX  was a scam the business was temporarily closed. They denied the dispute. Then we spoke with a XXXX XXXX back in XX/XX/XXXX from Bank of America and he advised he will reopen and review and will get back to us in 30 days. This did not happen and we spoke with Bank of America on XX/XX/XXXX and they stated a claim was never put through again for the {$490.00} charge which XXXX XXXX stated he would do. Received a call today from Bank of America and they advised they are not going to refund the money. Mind you numerous calls have been made to Bank of America previously from this. We were charged for a product that was a scam. I have been a long time Bank of America credit card holder and I find this absolutely ridiculous. I am sure they would have no problem refunding {$20.00} but they would not refund {$490.00}. I feel I am due the money back since it states this company is a scam and temporarily closed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this inquiry is incorrect and doesnt belong to me or it was not authorized. I want it removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian for method of verification fo accounts on my credit report for which I have documentation that they received this request on XX/XX/XXXX. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that the projected completion date for my request was XX/XX/XXXX. I in return sent them a letter advising for method of verification the response was 15 days and not 30 and to remove the items from my credit report, for which they received this request on XX/XX/XXXX. Experian did not remove the items so i filed a complaint with the CFPB and received complaint document number XXXX. The response from Experian was one that I did not supply them with the information requested, how they assumed that. I do not know, however I wrote and sent each letter of request for which they received. I noticed on my credit reports that Experian continue to state that the Third Party XXXX XXXX verified the accounts to be accurate, so I wrote to XXXX XXXX to receive their method of verification for accurately reporting this account to Experian, for which they did not respond. I again wrote to Experian advising them of this on XX/XX/XXXX for which they received the request to remove the items again on XX/XX/XXXX. On a letter stated from Experian on XX/XX/XXXX they once again stated verified as accurate via XXXX XXXX. On XX/XX/XXXX I prepared a letter to send to XXXX XXXX, however ; I phoned and spoke with XXXX at XXXX XXXX instead, he stated that a letter dated XX/XX/XXXX should have been sent out to me stating those accounts were deleted from my report as per their earlier investigation of the letter they had received from me. They resent this letter and on XX/XX/XXXX I sent a copy of this letter to Experian stating that they immediately delete/remove the accounts from my credit report as per their third party reporting agency these accounts as been deleted as of a result of their investigation. I received a letter from Experian on XX/XX/XXXX stating accounts remains as per XXXX XXXX verified accurate. This is not factual and I believe they did not even view the letter, they just used a computer to erroneously verify this information
Product: Student loan

After being unemployed and struggling to pay my loans, Wells Fargo told me if I paid the back balance of XXXX {$600.00} that they would allow me a forbearance to catch up. I borrowed that money from a person friend. They then rejected my forbearance on the basis that my cosigners could pay -- even though both cosigners are now retired women with substantially less income, including one XXXX. Their only remedy for me is to take out another loan to consolidate and refinance my existing debt, but I do n't qualify because not paying my existing loans has ruined my debt. I have pled with them to make reasonable arrangements with me so I may meet my obligations, but they have refused and have threatened legal action against my cosigners instead. Neither myself nor my cosigners can afford the current payments and I ca n't refinance. So there is no avenue for relief. I do n't know if that 's illegal or not, but they lied to me and told me they would work with me, I think that 's misleading.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I made a payment arrangement of {$60.00} per month on a little over {$1000.00} balance I owed to The Cash Store located in Post Falls, ID.XX/XX/XXXXwas supposed to be the next payment and it was not debited from my account so later in XXXX I made a {$120.00} payment, {$60.00} for XXXX and {$60.00} for XXXX. Granted I talked to two different people for these payments. I immediately started getting phone calls everyday and I ignored them because I know I dont owe anything until XX/XX/XXXX. The Cash Store called me from a different number and I talked to a different lady who said a $ 60 month payment plan was n't their policy on a {$800.00} something balance that has been unpaid for so long. I asked if their other employees were improperly trained and she said " apparently ''. I feel like this is harrassment because I had a payment arrangement set up between two other representatives. I 'm not getting yanked around like that so I hung up and blocked their number.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been made in my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to open a XXXX XXXX XXXX  account and my account was flagged due to it being marked that I committed identity theft when it should be marked as I went through fraud. Someone tried to open a key bank account under my name.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

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

Our mortgage and servicing was sold to Mr. Cooper in XXXX and I was told to make payment ( that would remain the same $ XXXX ) at their website it XXXX. 
1. Their website was not functional in time to make my payment after several phone calls so I paid it directly over the phone, 2. ALL of their communication to us has been incorrect. Due to that, we notified them that we would be paying taxes and insurance directly and out of escrow and began doing that in XXXX. 
3. We sent proof of those payment via uploading to their website and mail 4. They said they would not accept out of escrow due to late payments ( I have paid every time ON TIME ) 5. Therefore they are now demanding we RE PAY to THEM the taxes and insurance again or they will report us late to credit bureau. I have proof we have made every payment of our mortgage, taxes and insurance on time but they...

6. Reported us late and dropped our credit score from XXXX to XXXX. THAT will impact everything we have worked so hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting act, XXXX XXXX / XXXX XXXX  has violated my rights. They are reporting a 30 day late payment for the month of XXXX. I have been extremely frustrated with companies due to the constant improper reporting, my flights are constantly being violated and it is causing a major hinderance to my life. 

These companies have 30 days to respond according to the Fair Credit Reporting Act.

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 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX/ XXXX XXXX account to Paid as Agreed, Never Late.
Product: Credit reporting or other personal consumer reports

I Called XXXX on XX/XX/XXXX ( dispute report # XXXX / CASE XXXX ) I Called Experian on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I Called XXXX on XX/XX/XXXX ( dispute report # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Personal Information : I requested that all non-mailable addresses and incorrect names/spellings be removed from my report. 

XXXX report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect names Experian report # XXXX contained : XXXX non-mailable addresses XXXX report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect name I requested all XXXX credit reporting bureaus remove all XXXX XXXX XXXX & charge offs ; These would now be considered Certificates of Indebtedness i.e., income and can not be reported. Per IRS Law. 

XXXX report # XXXX also has the incorrect account number for the charge off with the closed account with XXXX XXXX XXXX XXXX 

All XXXX agencies listed above have shared my information for solicitation/promotional purposes in which I did not authorize. In reviewing the reports, I found multiple instances where my information was shared without my consent : XXXX : XXXX Promotional Inquires XXXX : XXXX Promotional Inquiries Experian : XXXX Promotional Inquires When speaking with these agencies and advising them that they did not have my permission to share my information ; all responded that these are only soft inquires that did not hurt my credit. 

Sharing my personal information without my permission is a violation of the 1974 Privacy Act, 5 USC 522A ( b ) -Conditions of Disclosure, and 15 USC 6802. In addition, under 15 USC 6802 I have the right to opt o of any sharing of my information, which I have done so.

The inaccuracies regarding account numbers and personal information such as listing non-mailable addresses is a violation of 15 USC 1681.
Product: Bank account or service

I opened a paypal account in XXXX 2016 and my account has always bee in good standing. I sold items on eBay and the payments were made via PayPal. Despite the fact that all the items sold have been received by the buyers, PayPal is withholding over {$3700.00} worth of payments. Paypal claims that they will hold funds from all transactions for 21 days until the following criteria are met : 1. Complete XXXX successful sales. 
2.Receive at least {$500.00} in payments for goods. 
3. Be a PayPal account holder in good standing for at least 60 days I have completed over XXXX successful sales. I have received at least {$500.00} in payments for goods. I have been a PayPal account holder in good standing since the beginning of XXXX 2016. I called PayPal and explained that I meet and exceed all their requirements and the representative was unwilling to help and continued to make false claims as to why paypal would not comply with their own rules.
Product: Checking or savings account

Hi, I opened a new bank account and i would like to move some money into it but Bank of America does not recognize my new bank 's routing number. I checked with the XXXX and the Fed and it is a valid routing number. I'd like to resolve that since BofA is not letting me move my money.
Product: Student loan

I 've been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. They made it difficult by allowing me to sign up for certain repayment options online, while others required printing out a form and filling it out by hand in order to sign up. I 'm not an expert, but it seemed like the options you could sign up for online would make them more money in interest. I 'm now in my second forbearance and not sure how I will be able to make my payments once it becomes current again in XXXX. 

I read an article on XXXX outlining the lawsuit the CFPB is currently pursuing against Navient and wanted to share my experience. I hope this is helpful. 

Feel free to email me at XXXXXXXXXXXX Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have been on Navient 's Rate Reduction Program for about two years. My rate was lowered from a 12.5 % $ 11.5 % and 6.5 % interest rate to 3.5 %, which provided financial relief and allowed me to stay above water. Usually, they collect my financial information to see if I qualify. The program ended, and so I called to reapply but everyone keeps telling me I do not qualify, without even so much as asking about my financial profile to see whether or not I qualify. They just immediately say I don't, without providing explanation. say I ask what else I can do because the only option is to default and they say there's nothing they can do. I have called three times, and my loans are about to default, when I have a 13 year credit history and have never had a late payment in my life.
Product: Credit card

I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.
Product: Mortgage

I am applying for a purchase mortgage loan with XXXX XXXX. TransUnion apparently is involved in my credit check. TransUnion sold or otherwise divulged my confidential information to numerous mortgage lenders, and I am receiving 1 to 2 dozen  unsolicited calls on a daily basis, both on my work number and on my cell number. I'm certain other loan applicants are subjected to these improper disclosures and invasions as well. 

Thank you.
Product: Checking or savings account

XXXX   XXXX  2017 bank of america closed my savings  acc. they said someone wired to my acc. {$7800.00} from mobile app. they think it 's fr aud. i do not who know  sent . i  called them 3 times on the  XXXX   XXXX  of  XXXX  + they will not tell me anything. y our acc. is closed + you can never open up another one again but you can still use your credit cards. i want down to local bank + they could n't tell me anything. they said fraud can shut down anyone. i only had {$580.00} in acc. i did n't do anything wrong. i s till do n't have my  XXXX  my savings acc. was tied to credit cards with my points going to my savings acc. i 've had credit cards with them for  18  yrs this is crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, TransUnion, XXXX and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the XXXX  XXXX XXXX be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  on XX/XX/XXXX should NOT be on my report. I've been disputing this for the last few months. I WANT THIS REMOVED. I have not applied for a home loan nor do I own one. Also XXXX is breaking a law. 

15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.