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

I applied for Barclays Aviator AAdvantage credit card while I was on an XXXX XXXX in XX/XX/2022. The flight attendant advertised that if I applied and simply buy a qualifying purchase, which could be anything, I would automatically receive XXXX mileage points. I applied and was approved. I made my purchases. I assumed I had my promotion mileage to be used in the future. Today, I was ready to redeem as I had a flight to purchase. I checked my rewards and the XXXX points werent on there. I checked the rewards page. It stated I completed my qualifying purchase. I just didnt pay for my membership fee of {$99.00} within 90 days. I wasnt aware this was a requirement. I checked my payment history. I made my first payment of {$29.00}, second payment of {$29.00}, and third payment of {$100.00}. I knew these payments alone were enough to pay the membership fee. I called in to Barclay to get this resolved. They said when I make a payment, their system has no way of knowing what my payment was used to pay a prior purchase or the membership fee and thus unable to honor their promotion. The promotion was unclear and falsely advertised from the beginning. Ive been a good standing customer to both Barclay and XXXX XXXX. I should have been given the promotion as offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent USPS certified mail to TD Auto Financial,  XXXX, XXXX and XXXX containing a letter of dispute, a copy of my XXXX and XX/XX/XXXX XXXX XXXX statements and a copy of my XX/XX/XXXX XXXX XXXX XXXX telephone bill. 
Only XXXX responded to my letter of dispute.suppling further evidence of error by TD Auto Financial. 
XXXX, XXXX and TD Auto Financial never responded to the dispute sent them. 
On XX/XX/XXXX I called TD Auto financial authorizing and/or scheduling a {$350.00} payment to be taken on XX/XX/XXXX with my debit card. ( See XXXX XXXX XXXX phone bill ) TD Auto Financial and/or the subcontractor they use to process phone payments with debit cards claimed that they tried to process the payment but could not because of NSF in the account. I provided copies of my XX/XX/XXXX bank statement showing that I had over {$5000.00} in my account on XX/XX/XXXX and No NSF 's in the history of my bank account. Subsequently, claimed I was 30 days late due to their failure to process my payment properly. I tried to set up automatic payments with TD Auto Financial only to recieve 4 late charges because they did not process the payments properly. Whereby, I set up automatic payments through XXXX XXXX and not had a single problem with late payments. 
I ask for an investigation into TD Auto Financial practices of failing to process payments timely resulting in late charges to customers unjustly. 
I believe that TD Auto Financial is purposely and intentionally fail to process customers payments properly and/or timely, so to generate extra revenue for their company, by charging customers the extra late fees unethically. Thus, I request an investigation into this matter. 
I have a copy of my telephone bill as proof that I called on XX/XX/XXXX to schedule payment.. I have my XX/XX/XXXX Bank Statement showing that I had over {$5000.00} in the account at the time they claim NSF in the account. 
I sent a dispute request and copies of my evidence certified mail to TD Auto Financial and the national Credit Reporting agencies which were signed for by the foregoing companies on XXXX, XXXX XXXX. 
The companies did not respond to the dispute letter and evidence sent to them. 
Lastly, they continue to report that I was over thirty days late on a payment, in which the evidence shows they failed to process the scheduled payment timely, If you investigate my account with TD Auto Financial it will be easy to see the discrepencies in billing..
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX FCU - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting Under FCRA Laws Dear XXXX, Experian, XXXX, XXXX I am writing to formally dispute the inaccurate reporting of late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I have identified late payment entries on my credit report that I believe to be erroneous and request an immediate investigation into their validity. 
The specific account ( XXXX ) in question : Creditor Name : XXXX Account Number : XXXX Date of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. 
Under the following federal laws, I request that these late payments be removed if they can not be properly substantiated : 1. 15 U.S. Code 1666b - This law requires creditors to promptly post payments upon receipt to avoid misrepresentation of late payments. If my payment was processed incorrectly, this may have led to an erroneous late mark on my credit report.

2. 15 U.S. Code 1681a ( 2 ) ( 1 ) - This section defines credit information as sensitive consumer data. Inaccurate reporting of my payment history misrepresents my financial reliability and constitutes an unfair practice under the FCRA.

3. 15 U.S. Code 6802 - This law governs the disclosure and privacy of financial information. If my payment history was shared inaccurately, it is a violation of my consumer rights.

4. 15 U.S. Code 1637b - This section pertains to creditor billing practices and ensures that any adjustments or changes to an account are handled fairly. If my payment history was misreported due to incorrect creditor adjustments, this law supports my right to dispute such errors. The information in section 1637b was mailed to consumer not later than 21 days.

I request that you conduct an investigation into these late payment reports and provide me with a written response confirming their accuracy. If the reporting creditor can not verify the legitimacy of these entries, I expect them to be removed immediately, as required by the FCRA. 
Please update my credit report accordingly and send me a revised copy reflecting the corrections. If the investigation does not resolve my dispute, I request a detailed explanation of the findings and the method used to verify the accuracy of the information. 
I appreciate your prompt attention to this matter. Per the FCRA, please complete your investigation within 30 days. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX
Product: Student loan

Dept. Of Ed/Fedloan Servicing ( PHEAA ) XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Dept of Ed/Fedloan Servicing ( PHEAA ) , Account # XXXX, XXXX, # XXXX, # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

My name is XXXX XXXX. I work as a XXXX XXXX XXXX XXXX for XXXX XXXX. BMO Harris keeps calling my work landline for debt collection. I have no account or debt with BMO Harris. They are calling my work number in error. I have asked many times over the past few weeks for them to stop calling this number. Every time I call a " manager '' says they'll remove me from their " List '', but after multiple weeks they still haven't resolved the issue and keep calling.
Product: Credit card or prepaid card

On XX/XX/XXXX I called and made my automatic payment for my target Mastercard the system stated my total balance was XXXX which is what I paid in full. Well days later on XX/XX/XXXX I received a email with another balance of XXXX. So I called because I thought I was paying my credit card off in full. I called customer service with my concerns and the representative stated they are aware the misconception and they are trying to fix it. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Has gone so far as to imply that I am lying to them. In thinking this they have broken the law because they are wrong and they are not doing the other parts that the law requires them to do even if they think I'm lying. Section B of 605B FCRA, demands of the CRA and it says very clearly to notify the furnisher of the information I am claiming identity theft, and they must tell the furnisher that I have filed a police report that I am claiming a block of imformation in section 605B of the FCRA, And let the furnisher know if they do not block by a certain date the information will be blocked. Because the law tells them they have to do that if I claim identity theft. No ambiguity or choice at all. The CRA-Experian Must do this, regardless of what they wrongly believe. 
Inquiries are infofmation in my file that resulted from identity theft, not fact ... .they are FRAUD and must be removed according to the law.
Product: Money transfer, virtual currency, or money service

amount XXXX on XX/XX/XXXX unauthorized bitcoin transaction, amount XXXX dtd XX/XX/XXXX to XXXX XXXX. amount XXXX XX/XX/XXXX to a XXXX XXXX. amount XXXX XX/XX/XXXX. Ive attempted to contact cash support mutiple times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and regarding these unauthorized charges. Cash app states they investigated the matter and the transactions are linked to a phone I have been using with them which are completely false. I have never used my phone to complete these transactions. my cash apped was hacked mutiple times and each time I changed my password it was changed with out notification to my email. The email was being changed on cash app as well.
Product: Checking or savings account

I opened a savings account online with TD, they accepted the opening deposit, then frozen the account and returned the funds to checking. I tried to close the account in branch, but they said they can not close a frozen account, that I must call their fraud department to unfreeze the account first. The fraud department said they can not unfreeze it, that I must go to a bank. I just want to close the savings account, it has a XXXX balance. TD makes it more inconvenient than any other bank to do business with them...
Product: Checking or savings account

I use Cashapp to make my purchases for XXXX grocery delivery. I load the funds that I am going to use on my card, make the purchase, make sure the funds were withdrawn and then lock my card. I was double charged for 4 orders back from XXXX and XXXX the other day. I 100 % know I was charged the day of the purchase. I contacted Cashapp and they told me there was a technical error where the funds were not received or processed so they money was taken out later. I know that was not the case and I have been double charged and XXXX confirmed it. Cashapp denied my dispute claims and will not help me. The charges are : XX/XX/XXXX {$23.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$39.00} They can not provide me with any kind of proof.
Product: Student loan

Mohela was transferred my loan from XXXX months ago and refuses to put me into legal administrative forbearance and will not process my request for a SAVE as XXXX failed to process it as well so they can illegally bill me money I do not owe nor can afford. I had a reduction in pay to 66 % due to XXXX XXXX XXXX XXXX XXXX and provided documentation. I also provided it to Mohela. Instead of processing my application they RAISED THE PAYMENT TO OVER {$4000.00}! Not only is this more money than I ever make in a month, it is illegal as I asked to lower my payment as I am on reduced pay. They continue to bill me despite Biden Administration telling them to put me into administrative forbearance and despite XXXX never processing my SAVE application from XX/XX/2023 so now they are messing with my credit and illegally trying to formulate a payment schedule so I pay all this money in ten years. Also, I am in PSLF program and have 4 years left where I have forgiveness so I will never be able to pay back hundreds of thousands of dollars quickly anyway. I am supposed to be in a 25 year plan under SAVE and in administrative forbearance. I have received no help form XXXX nor from Mohela and it is greatly impacting my life. This is an urgent situation and I am formally asking for help from CFPB to escalate this as I am a person with XXXX a federally protected XXXXXXXX and this is all illegal. 

As of today, MOHELA HAS NEVER PROCESSED MY SAVE APPLICATION FROM XXXX XXXX XXXX which is TOTALLY ILLEGAL. I am calling the federal government to show the paper trail of complaints on CFPB dated from XXXX XXXX XXXX to prove that neither XXXX nor Mohela has ever processed my SAVE APPLICATION AND THIS IS ILLEGAL. Despite the recent court ruling I applied over A YEAR AGO FOR SAVE AND THEY NEVER PROCESSED IT> Also I have repeatedly asked for the mandated administrative forbearance and Mohela continues to break the law and not apply it.
Product: Credit reporting or other personal consumer reports

i have been trying to reach the reporting agencies and direct with the companies regarding this investigation but now my rights under the FCRA, including Sections 611, 609, and 623, have been violated because I have not received adequate proof of investigation or validation of the following accounts I previously disputed via USPS 1. XXXXXX/XX/XXXX XXXX opened XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX opened XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX
Product: Mortgage

I have been trying to refinance my home mortgage from Citizens Bank to XXXX. I currently have a 30-year 4.75 % mortgage with Citizens and I'm trying to refinance with XXXX to a 15-year 2.50 % mortgage. I applied at both Citizens and XXXX to refinance. It took Citizens over a month to respond after reaching out to their Home Loan Officer. After getting paperwork signed with XXXX on XX/XX/2021, they have kept me up-to-date with everything along the way. The Loan Advocate with XXXX reached out to me on XX/XX/2021 to let me know that the last thing needed to close this refinance was the Payoff from Citizens Bank. She said she has been trying to contact Citizens since XX/XX/2021 but she continuously is told that she has to wait 5 more business days, then has to call again later to reopen another ticket. She called again on XX/XX/2021 and XX/XX/2021, when she says Citizens hung up on her. I called Citizens on XX/XX/2021 and I was hung up on when i tried to reach out. I took a half-day off work on XX/XX/XXXX to go in-person to speak with someone to make sure everything was taken care of. The woman I spoke to said XXXX would get an email within 20 minutes. The following day, the XXXX XXXX XXXX said that she did not receive anything from Citizens so I called their Mortgage XXXX phone number. I was on hold for so long I had to get off the line because my lunch break was over and the woman I spoke to said she would call me back. She did not. My XXXX " Lock-In Agreement '' expires on XX/XX/2021 and it should not be this difficult to close because the woman at Citizens said they " refinance all the time, this shouldn't be a problem ''.
Product: Credit reporting or other personal consumer reports

Company has sent me XXXXXXXX XXXX  cards that I have not received, fraudulent charges were posted on the account while it was still active. XXXX XXXXXXXX assured me It was covered and debited the transactions back to the available credit. Tried to request a new card after and was never received, called in once again to find out what was going on. There was multiple XXXX  accounts connected to this account and none of them were mine, multiple address changes that were never made by me. I decided to close the account after poor customer service, difficulty with the account, representatives. I disputed the charges once again, was assured again that i would be resolved. XX/XX/2024, I now have my credit hurt by a missed payment on the fraudulent charges. The company has never sent any correspondence via mail that was received, has not called to follow up on the account or has handled the account as promised.
Product: Credit reporting or other personal consumer reports

this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from XXXX, eqifax and XXXX I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau
Product: Debt collection

A debt collector from IQ Data International by the name of XXXX ext.1201, called me, XXXX XXXX . I am unemployed and do not have a XXXX to my name. I hung up because I did not understand the language too well and he stated that it was for owing money to an apartment, which I could not afford during the pandemic. The debt collector then proceeded to call me because and started telling me, " why are you hanging up? Are you scared? You owe my client money. '' and he continued to harass me. I passed my phone over to my son, who is an attorney, but is not representing me in the matter but who I wanted to speak on my behalf because of the harassment I was suffering. The debt collector proceeded to express aggressive behavior towards my son and hung up. After multiple attempts to call him back, he continued to patronize and be aggressive. The debt collector, per the recorded conversation, was asked to no longer solicit for debt collection and he proceeded to state it was not not solicitation. The debt collector did not even know what solicitation was and continued to taunt and harass. I asked my son to call the manager with ext. XXXX, to convey the situation I suffered at the hands of the debt collector. Then we asked to receive a call back because we are dealing with other legal matters and the manager then refused and cornered and pressured me to try to resolve the issue now or never, despite I requesting to have this conversation another time because of being distraught and having to deal with other legal issues at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I login to my Experian account because I received an email from them saying I have two new hard inquiries in my credit report. Since I have been a victim in the past of identity theft, I went ahead and lock my credit report. I know I didnt applied for credit during that time, I called Experian to let them know and I also called XXXX XXXX and XXXX XXXX to make sure they do not open any new accounts. From now I plan to keep my credit report lock to avoid any new attempts to open new fraudulent accounts. Please remove these two fraudulent hard inquiries from my credit report. Thank you for your help! 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX The above 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 instructions 15 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: Checking or savings account

Chime offered me a referral promotion, which states that per successful referral, I will get XXXXXXXX bonus  + XXXX promotional extra bonus. However, the extra bonus only credited to me for the first XXXX referral. The following XXXX referral I only get the base XXXX bonus, never the promotional bonus. 
I chat with the agent, who said he had fixed it and I will get compensate after the third person met the requirement. However, things did not go as he state. I have never get the XXXX extra bonus till now.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I submitted a CFPB complaint XXXX to MoneyLion on XX/XX/19 and they on XX/XX/19 and admitted their problem that failed to offer me the welcome bonus {$590.00}. They said they will add me the bonus within 1-2 weeks after their response date XX/XX/19, however, so far, it has been about 4 weeks and I still haven't seen the bonus posted to my account. I tried to contacted them many times, and their customer service number can never be reached and always asked me to leave a message and they will call me back soon, but they never called back. Please be honest and keep your promise to add me the bonus funds {$590.00}.