23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

we opened an account with Bank of America in XXXX, it was a HOME EQUITY LOAN, the interest was variable. In XXXX Bank of America sent us a reminder that the borrowing period of our line of credit will end in XXXX, offering us to applied for a repayment term extension, we applied and they approved us. the new loan was signed on XX/XX/XXXX total loan amount {$320000.00} Fixed rate ( 5.073 % ), XXXX months monthly payment of XXXX All good until XX/XX/XXXX when Bank Of America sold our loan and the new bank sent us the welcoming letter saying that our original loan is XXXX from XXXX. the interest rate is XXXX0 %, the principal balance now is {$160000.00} and the monthly payment is {$2500.00}. 
As soon as I saw all the numbers and dates I started to call the new Bank ( XXXX a division of XXXX ) but since XX/XX/XXXX they keep saying they will fix those numbers and nothing changes. Today I called Bank Of America to try to understand what they transfer but Bank Of America says that the original loan was variable and they only transferred the variable not the Fixed Loan.
Product: Credit reporting or other personal consumer reports

Dear XXXX : This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and consumer credit plan as late for any purpose
Product: Vehicle loan or lease

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Violations of Consumer Credit Agreement Dear Sir/Madam, I am writing to file a formal complaint against [ Unknown Name Mobile Credit Acceptance Agent ] and [ Best Deals Auto Sales and Service ] for multiple violations of consumer protection laws in relation to an auto purchase made through a consumer credit agreement. The transaction occurred on XX/XX/XXXX involving the purchase of XXXX XXXX XXXX XXXX The violations include but are not limited to : 1. **Unauthorized Preparation of Contract : ** The consumer credit agreement was prepared by an unknown name mobile credit acceptance agent rather than the dealer, who is not a legal entity in Iowa XXXX thereby engaging in fraudulent activities. 

2. **Failure to Disclose XXXX  Notice or XXXX : ** The agent failed to disclose or provide necessary paperwork regarding the rescission notice, violating numerous truth in lending laws. 

3. **XXXX XXXX XXXX  XXXX : ** The finance charge was misrepresented, not reflecting the sum total of all charges as required by law. 

4. *XXXX XXXX XXXXXXXX XXXX : ** A down payment of {$1700.00} was made to the dealer but was not correctly reflected in the itemization of the amount financed, leading to confusion and misallocation of funds. 

5. XXXX XXXX of XXXX with XXXX XXXX XXXX : ** The agent added the {$1700.00} back into the total price of the car, which was paid directly to the dealer, violating federal laws prohibiting such actions. 

6. **Failure to Disclose Optional Warranty : ** The agent did not inform me that the two-year extended warranty was optional, depriving me of the opportunity to make an informed decision. 

7. **Failure to Disclose Inclusion of Insurance and Service Maintenance : ** Insurance and service maintenance included in the finance charge were not properly disclosed by the agent. 

8. **Failure to Disclose Opt-Out Option for Third-Party Disclosures : ** The agent did not inform me of my option to opt out of third-party disclosures, such as credit reporting agencies or repossession companies. 

9. **Interest Charged on Swindled Amount : ** The {$1700.00} swindled amount was added back onto the total price of the car, resulting in me paying interest on money that was not supposed to be part of the transaction. 

I hereby demand that [ Unknown Name Mobile Credit Acceptance Agent ] and [ Best Deals Auto Sales and Service ] rectify this situation immediately by rescinding the transaction, refunding any overcharged amounts, and providing proper documentation for the transaction. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure that consumer rights are upheld and justice is served. 

Thank you for your attention to this matter. 

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

XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

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 please delete
Product: Debt collection

I have previously filed a complaint regarding Portfolio Recovery. I have continued to receive calls from them irregardless of their promise to cease collection efforts. This debt is long past its statute of limitations.
Product: Checking or savings account

On XX/XX/XXXX I received an email from citizens access bank about a promotion where they would pay me a bonus of {$250.00} if I deposited XXXX of additional monies in my savings account by XX/XX/XXXX and and kept it there for 90 days. At the time, I had a savings account with them. Pics will be included of the actual email. I followed the rules and instructions in the email. On XX/XX/XXXX I started the process which included a wire transfer to their bank of XXXX. Now they won't pay me the {$250.00} and or explain why. I've contacted them 5 times by phone and asked them to review. 3 of the 5 times they didn't even call me back to tell me " no '' ... I had to call back to hear " no, we aren't giving you the {$250.00}. '' When I asked why they tell me about another department that handles this issue and when I ask why did they deny the {$250.00} they say " no reason was provided. '' 1 of the 5 times I was told I wasn't eligible for the promotion and I said, " how am I not eligible, you sent me an email indicating I was eligible? '' The customer service rep apologized but didn't/could n't provide an answer. I've been calling them for over a month now, still not 1 reason has be given why they won't honor the {$250.00} promo.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inacurrate information reported on my credit report from all 3 bureas. I have contacted all 3 bureas ( XXXX, EQUIFAX, AND XXXX ) in a dispute process and over the phone. XXXX and XXXX deleted the negative information but Equifax has yet to delete the problem. On XX/XX/2019 I sent my second round letter to equifax with proof that XXXX and XXXX had deleted the items, and asked equifax to provide me with verification about the accounts. They have failed to provide me information validating the accounts and i have uploaded all the proper documents. Thank You
Product: Debt collection

Ive submitted multiple letters to bureaus and not once has anybody sent me a response back
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to notify you to remove the disputed items in my credit report for they are fraudulent and must be dealt with immediately. 

Please remove the following items immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$390.00XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit card

A mailer was relieved stating that XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX has a Sport Credit Card account number ending XXXX. XXXX has no such card. The mailer originated from Synchrony Bank, XXXX FL. The bank was contacted to investigate this unknown acct. We were transfered to XXXX different dept which insisted that we provide the Social Security # in order to help us. As we did not want to give out private information we were hung up on without any kind of resolution. As far as we know, they have an open a count in XXXX ' name that they will not assist us in the investigation of a fraudulently opened account
Product: Credit card or prepaid card

On XXXX of my accounts, ending in XXXX and XXXX, Citi bank decreased my credit card maximums and it lead to a decrease of in credit score, when I have not used or abused the credit cards. The decrease card limits lead to balances exceeding the 80 % of usage and decrease my score roughly XXXX points. The reports from a credit agency came back as revolving credit cards, but this did not decrease my score. Also, I would like to say the credit card companies continually offer specials on balance transfers and it seems rather unfair to decrease a credit score by taking advantage of a service that is offered or even report it since they are offering a product like this. Why offer a product and them punish someone for taking advantage of it. " " '' '' The reporting, which again, did not decrease my score, was picked up by Citi bank and they decreased my maximums by {$1300.00} on my XXXX account and {$5400.00} on my XXXX account, then my credit score decreased by XXXX points. '' '' '' '' From about XXXX down to XXXX. Also, I have not used these cards in nearly a year and there has been no late payment or even any usage on my part to warrant anything from to say or imply I did not make my payments and Citi had given my the account limits over a year ago. In actuality, I have been an excellent to Citi bank and they continually try to find a way to abuse me and that is evidence of the last complaint I filed nearly a year ago when they refused to give my the transfer balance rate that was quoted over the phone. I have called the executive service team for Citi, Citi took another look and denied the original maximums that would have upheld my credit score. I find it hard to believe they would do something like this to decrease my score and to a customer that has been current on all payments.
Product: Credit card or prepaid card

Order XXXXXXXX XXXX I was charged {$73.00} for an item they NEVER sent. I told them I wanted my account credited because they never delivered the item. 
On XX/XX/2023 I was assured by a XXXX from their customer " service '' the credit would be processed by XX/XX/2023, even given a reference number of XXXX To date, credit has not been processed. I am tired of this company and they should be investigated by DOJ. They consistently LIE to customers and it is reported they only resolved about 35 % of complaints! Why this company is still in business is beyond, when I have to contact the government to get them to do their jobs. Their customer service is abysmal, they want you to CALL them, I don't work for these people. They employ a lot of XXXX  who can not properly speak. 
I want my account credited. I need to pay off these creeps and close this account. 
I was lied to, misled, and fraudulently charged for this. Any assistance would be helpful. XXXX should be closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent TransUnion the attached letter requesting re-investigation into a closed account and it 's inquiry and the results I received ( attached ) was deletion of an accurate account instead. Please delete the correct unauthorized inquiry as well as the subsequent closed account and reinstate the account that you deleted in error. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to Equifax asking them to verify two accounts on my credit report. The accounts in question were XXXX account number XXXX and XXXX XXXX account number XXXX. Their response to me was that they needed to verify my address before completing the request however in my original letter to them, I included a copy of my driver 's license, SS Card and a recent utility bill that included my address. This address was also the address that was at the time and currently is on my credit report with Equifax. Their response included examples of items that I could send to verify my address including a Driver 's License, Mortgage or Deed, rental lease, utility bill among numerous other examples. Again, these documents were included in my original letter to them. I called to follow up and explain that I had already sent the documents that they requested, but the agent on the phone filed an additional dispute which reset the 30 days that Equifax had to respond. This was not my request. I was only calling to ensure that Equifax received my original supporting documents. I later received an email detailing the results of my dispute. When I logged on, I read where the results were mailed to me. I called Equifax to see where the results were mailed and I was informed that they were mailed to a PREVIOUS address on my file and not the CURRENT address that was reporting on the file at that time. This is a stall tactic and it will not be tolerated. It is also a violation of the Fair Credit Reporting Act. Not only did they not verify the accounts in question, they stalled the request by asking for additional verification which was already sent with the original letter and by sending the follow up to a previous address. 

Neither XXXX XXXX nor XXXX were able verify the aforementioned accounts so they followed the standards and laws set forth by the Fair Credit Reporting Act and removed the accounts. They deserve recognition for their adherence to the FCRA and I am pleased with their thorough investigation and follow up. I, however, can not say the same for Equifax. They have already lost the trust of millions of consumers for their carelessness in the company Data Breach of XX/XX/XXXXand they are continuing to fail at thoroughly doing their job to accurately report consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the XXXX XXXX & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) XXXX XXXX XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) XXXX XXXX XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXX XXXX Card XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.
Product: Credit card or prepaid card

Comenity bank is saying my payment is 30 days past due but I didnt receive a past due notice saying that the account was late. I made payment on XX/XX/18 for the outstanding amount which brought the account to a {$0.00} balance on XX/XX/18. They reported the account to XXXX when theyve already received my payment
Product: Student loan

I signed a Parent Plus loan for my son back in XX/XX/XXXX and XX/XX/XXXX. He needed the money for living on campus. His tuition was pretty much paid for through federal loans, and it is a state school so it was a little more affordable. The problem is is that someone went online and signed my name for 5 additional loans! I told Navient ( my server ) that there is no way I would have agreed to those additional loans. Apparently, everything is done online and they just need your initials to approve on it. However, not only would I not have agreed to more loans ( as I 'm a single mother that makes around XXXX a year ), I was dealing with a foreclosure on my home at the time. I could n't even qualify for a loan for my daughter around that time when she applied to college. I did n't think I could qualify for any additional loans. Navient claims that I could have " less then stellar credit to apply '' ( their words ), yet I did n't have credit at that time. Now, I 'm trying to make a fraud charge, yet I ca n't seem to reach that department. I agreed to pay the first two loans as that is something that I agreed to, but I ca n't pay for what would amount to around 100,000 dollars. My question is why did no one call me to see if this was something I would agree to? I think a telephone conversation should have followed up with a loan agreement. Would n't it be considered a red flag if you sign so many loans in a given time? I feel like there are not enough checks and balances and protections for co-signers? I 'm really not sure what to do. I may not get out of paying the additional loans. I really need some advice.
Product: Checking or savings account

Wells Fargo Bank consistently reorganized transactions in my account so that they could put my account in the negative and charge me overdraft fees, multiple fees at once, resulting in large negative balances, for ing me to pay fees to bring my account back to good standing, they refused to help and consistently claimed they didnt reorganize the account transactions but I saw it happen on multiple occasions. My direct deposits would often reorganized as well and then phantom charges to my account would be made as to incur an overdraft fee and then the date for said phantom charge would changed. Seen this on multiple occasions. Wells Fargo would consistently leave me on hold for up to an hour or longer in hopes that I would get frustrated and hang up and not got the situation handled. would continue to try and use the account for my payments like phone car insurance, etc and would incur late fees because of this from other companies because of this. They closed my account without consent last year while I was waiting for them to resolve a complaint I filed with them regarding these very issues we are discussing here. All of this occurred between XXXX and XXXX of 2022 and was a weekly occurrence. It was too blatant how they did it.
Product: Credit reporting or other personal consumer reports

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts and inquiries listed on my credit report. I understand that my credit history is an important factor in determining my financial well-being and I am concerned about the negative impact these items may have on my credit score. 

Firstly, I dispute the charge off account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that these accounts were inaccurately reported as charged off and I have documentation to prove that I have made payments towards these debts. I am requesting that these charge off accounts be removed from my credit report. 

Secondly, I dispute the inquiries listed for XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize these inquiries and I am concerned about the impact they may have on my credit score. I am requesting that these inquiries be removed from my credit report. 

I understand that under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. I also understand that I have the right to dispute any inaccuracies on my credit report and have them investigated. 

I am emotionally distressed by the inaccurate reporting of these items and the potential negative impact they may have on my financial well-being. I urge you to take immediate action to investigate and correct these errors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX