23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a Pre-Approved letter from Aspire Credit Card for a {$700.00} credit card between XX/XX/2023 - XX/XX/2023. I then applied because of the letter received, however, I was denied after receiving a Pre-Approved letter. My issue is that a pre-approved letter speaks on eligibility information and is considered solicitation. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted Aspire Credit Card my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain your product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. Under Aspire Terms and Conditions When we ( Aspire ) solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. I was not offered neither an account or special terms with an account. After denying this application, Aspire Credit Card has adverse actions on my consumer report which is considerably unfair and illegal. Per 15 U.S.C. 6802 ( a ) ( b ), Aspire has failed to send me any form of notices giving the opportunity to opt out of any access they may have to my consumer report or any adverse actions that was caused by their decision to deny me, when Im sure I should have never been denied originally.
Product: Credit reporting or other personal consumer reports

The current issue involves an incomplete and inaccurate credit report from TransUnion, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve the matter, the report accessed from TransUnion 's website displays no information, resulting in denials for credit applications, including a recent vehicle financing attempt. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a business checking account in XXXX by going to BOA small business promotion.bankofamerica.com at the time the website listed offer deposited XXXX and will received {$500.00} bonus after 60 days. I called BOA after the account was opened was told the coupon code applies and will get the credit in XXXX, but in XXXX I called multiple times either was transfer to different department ( sale vs customer service ), or told it will be escalated to manager for review, or the case was closed without reason. Finally I called again XX/XX/13 was told the rep the management closed the case as offer doesn't match target a while back. I was never told the outcome until I contacted BOA and the rep couldn't get that information until she talked to someone higher up. If the offer isn't a match based on account, then it shouldn't be listed on BOA website and after I called was told it will be credit in XXXX, customer had to call multiple times to inquiry and when the case is closed BOA failed to disclose to the customer. I believe BOA intentionally deceive customer into making depositing and prolong the process and refused to disclose the outcome in hope the customer won't close out the accounts and keep the deposit in bank.
Product: Mortgage

We were made aware in XXXX that we were paying personal mortgage insurance on our FHA loan. At this time, we requested the information from Carrington Mortgage to cancel the PMI insurance. They were requested us to fax over a request for removal, and we're ensured that it would be taken care of. Fast forward to XXXX of this year, we were working on refinancing our home, we again found out that we are still paying the personal mortgage insurance after having sent a fax to request removal in XXXX. As of this month of XXXX, we are still continuing to pay that PMI insurance after again sending a fax to them on XX/XX/XXXX.
Product: Debt collection

This company continues to call me about an outstanding balance unpaid from my previous apartment complex. They claim that after 30 days, my information is given to them, but it has been much longer than 30 days and the amount was paid almost XXXX year ago. I have called the apartments office and they verified that it was paid and there is no balance on my account. I told them this yet they keep calling. I block their number and they call from a different one. The company is called Property Receivables and judging by their reviews they are a known scam company.
Product: Credit card

In XX/XX/2023, I made the exciting decision to treat my son XXXX to an unforgettable experience : attending a football camp alongside his favorite XXXX player, XXXX XXXX of the New York XXXX. It was the perfect birthday surprise for his upcoming XXXX birthday - a gift that would create memories to last a lifetime. 
The football camp was scheduled for XX/XX/2023, from XXXX to XXXX. Initially, I secured a regular admission ticket for {$150.00}. After receiving multiple advertising emails for camp upgrade packages, I decided to surprise XXXX & give him a birthday gift to have a one-on-one experience with his idol, XXXX XXXX, so I purchased the upgrade MVP package for an additional {$400.00}. 
Unfortunately, as the camp progressed, a sudden turn of weather took us by surprise. Dark clouds rolled in, and with them, the fear of thunder struck my son 's XXXX. His extreme fear of thunder overwhelmed him to the point that he hesitated to participate in the highly anticipated MVP portion of the day. Despite my best efforts to reassure and encourage him, XXXX ultimately decided to go home, missing out on the opportunity to play with his favorite player. 
Before leaving the camp, I sought assistance from XXXX, a dedicated employee of XXXX Sports. I explained the situation to him, hoping for a resolution. XXXX promptly took action, reaching out to XXXX XXXX, the CEO of XXXX XXXX my relief, XXXX came back to me with reassuring news. XXXX XXXX personally assured XXXX that I would receive a refund for the MVP portion of the experience that my son was unable to participate in. To ensure transparency and effective communication, I promptly sent an email to XXXX XXXX the next morning, confirming his commitment to the refund. I was delighted by his quick and courteous response, as he not only reiterated the promise of a refund but also instructed the XXXX XXXX XXXX, XXXX XXXX, to expedite the refund process. 
With great optimism, I eagerly awaited the refund from XXXX XXXX, fully acknowledging their professionalism and commitment to customer satisfaction. To express my gratitude and appreciation, I promptly left XXXX review on XXXX to XXXX their professionalism. 
However, despite the initial promises of XXXX XXXX, CEO of XXXX XXXX, I have yet to receive the refund that was assured to me. It's been more than frustrating and time consuming as I reached out to Citicard and filed a dispute and for XXXX months I have been going back-and-forth with XXXX 's, less than efficient employees and mind boggling process, with no resolution in sight. How is it possible that a credit card, Citicard, rule in the favor of the merchant after the consumer provided email correspondence between them that states XXXX  XXXX  would in fact refund me, I do not understand how I have actual evidence yet they based their decision off of merchant 's hearsay. I attempted to contact XXXX XXXX  XXXX more times and never received any responses from any of them and when they responded to Citicard, most of what they said was inaccurate & i can prove it with actaual tangible evidence
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX XXXX XXXX  '' on my Equifax credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the status indicates " Transfer, Paid, Sold, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Product: Credit reporting or other personal consumer reports

I check my credit report and there are 4hard inquiry on my report that Im not familiar with the name of those 4 inquiry XXXX XXXX  They appear on my account XX/XX/XXXX, XXXX XXXX and XXXX and also XXXX XXXX I should be only have one inquiry with them and they appear to be 2 additional inquiry that Im not familiar with
Product: Credit reporting or other personal consumer reports

I have out numerous hard inquiries that I don't recognize on my account.
Product: Mortgage

I am attempting to reach a person at the mortgage company to ask a simple question regarding changing my address due to my municipality 's intention to rename my street in the near future. 

One can not call the customer service number and reach a person. There are only options related to the mortgage loan itself. 

I did access the live chat which is a bot that provides an automated answer to changing an address with instructions. 

The inability to access a person is infuriating and not at all in the consumer 's interest. It is blatantly ridiculous. 

There should be the ability if every consumer to have access to a person to discuss account issues.
Product: Credit card or prepaid card

XXXX XXXX  SOLD THE XXXX XXXX credit card to Comenity bank. Not having an invoice or payment address I sent a payment of {$400.00} in XXXX. I then followed that with a XXXX  {$1400.00} check. The {$400.00} payment was deemed late, and a fee charged. The {$1400.00} check was cashed on XX/XX/XXXX by Comenity Bank at XXXX  XXXX XXXX. It was never posted to my account. Calls were transferred to the next available Agent, but all anyone heard was beep, beep, beep, were sorry but you have reached a number that has been disconnected or is no longer in service. Numerous calls by friends, relatives and associates, /day/week ALL had the same result. 
We used the phone, because we could not log into the site.. ooops, a glitch has occurred. Please try again. Or we are updating our system, all you can do is pay your bill. I already paid my bill, I wanted to find out what happened to my {$1400.00}! I sent a XXXX payment of {$500.00} on the XXXX. ( actually I do not write checks. My bank, XXXX, sends the checks or transfers. ) I managed to login in mid XXXX, and electronically send a copy of the cancelled {$1400.00} check. Then no access for three weeks! I sent a letter with a copy of both the front and back of the check. Nothing! No email, no customer service reply and apparently no action. 

I was so frustrated that on XX/XX/XXXX, I requested XXXX XXXX  to send a {$6000.00} payment. Nothing happened! No site access, no email, no invoice, AND, still no action by Comenity bank! 

I mailed a Certified letter from XXXX, Texas to XXXX XXXX ( XXXX miles ) with printed copies of the cancelled check, it took over 10 days to receive the signed return XXXX  card. And the nothing has happened. 

So, when this all started, the balance was around {$7800.00}. XXXX XXXX has sent Comenity Bank checks in the amounts of : {$400.00}, {$500.00}, {$1400.00} and a {$6000.00}, at my request. A total of {$8300.00}. Today I was able to log in for the 1st time in over 1 mo., to see my XXXX statement. It says I need to send Comenity Bank a payment of {$490.00} by XX/XX/XXXX.!! 

Please help me with this gross financial problem. 

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

ON XX/XX/XXXX I PULLED ALL THREE OF MY CREDIT REPORTS AND NOTICED SOME ACCOUNTS, ONE ACCOUNT THAT IS LISTED IS FROM A COMPANY CALLED XXXX XXXX XXXX. I DISPUTED THE ACCOUNT. XXXX AND XXXX XXXX RESPONDED ON XX/XX/XXXX AND THE ACCOUT WAS DELETED DUE TO THE COMPANY NOT PROVIDING PROOF THE ACCOUNT BELONGED TO ME. EXPERIAN ON THE OTHER HAND RESPONDED BACK SAYING THE ACCOUNT WAS VERIFIED AND ACCURATE AS BELONGING TO ME. I ASKED FOR PROOF AND THEY DID NOT RESPOND TO ME. I AM REQUIRED BY FCRA TO REQUEST ANY KIND OF PROOF DURING A DISPUTE PROCESS. EXPERIAN FAILED TO SEND ME ANY INFORMATION. THE ACCOUNT THAT IS LISTED ON MY CREDIT REPORT DOES NOT BELONG TO ME.
Product: Credit card

Bank Of America had reported that a particular account was mine. Eventhough I had sent multiple records showing that my information was breached. I had even had my bank account hacked into multiple times. It was not until I my wife took her name off the bank account that I had noticed that there were weird charges that was coming from my bank account. I had called Bank of America since I noticed they were XXXX of the sources that were coming from my account. I asked them to close that account and told them that the account was not mine and it was fraudulent back in 2014. However 2 years later they decided to post it on my credit report. I have sent multiple letters to Bank Of America to understand why they strongly believe that this account was mine but got no response. I have also contacted XXXX and XXXX asking the same thing but they said we have verified but could not state the means of the verification process. 

I am looking to CPFB process, to see if either XXXX, XXXX, or Bank Of American can provide the documentation they believe that the credit card file on my credit report is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, the XXXX (   XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX XXXX XXXX {$37.00} XXXX  XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$10000.00} {$260.00} XXXX  XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} 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 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 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Misleading practices causing harm to XXXX students Harm to credit reports
Product: Checking or savings account

Several attempts have been made by the account holder to close the HSBC account. A letter, signed and dated ( XX/XX/XXXX ) with two ( 2 ) forms of identification was submitted to the Legal Paper Processing department of HSBC per their instructions. The letter requested a address change and the account be closed with proceeds sent to the new address. 
When no response was received a second letter, signed by the account holder and dated ( XX/XX/XXXX ) was sent again requesting an address change and closure of the account. [ both letters attached ] When there was still no response and following additional conversations with HSBC representatives, a complaint was filed with the New York Department of Financial Services acknowledged on their letterhead dated XX/XX/XXXX. [ attached ] A response dated XX/XX/XXXX was received from HSBC acknowledging receipt of the XX/XX/XXXX letter for change of address, but not for account closure. Interestingly, both requests were made on a single page of paper, signed and dated by the account holder. The HSBC response also required a POA ( irrelevant since it was the account holder, not the POA, making the requests ). [ POA attached ] The response also suggested follow-up be made with their customer service department. 
This was done resulting in HSBC accusing fraudulent involvement of family members and maintaining failure to follow their customer 's written instructions. [ correspondence attached ] This treatment by HSBC against an elderly customer of over 20 years is unacceptable. 
Unfortunately, punitive damages are not possible in a case of this nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed {$8100.00} on my XXXX bank credit card which I paid off to zero balance. As a result of this payment, Equifax dropped my credit score by 40 points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.
Product: Credit card or prepaid card

Bank of America VISA CC # XXXX I am an elderly person, and my card was lost/stolen back in XXXX when I was visiting XXXX. I requested a replacement card, but never received it in the mail. Since BofA credit card was not the card that I used, and I spend a lot of time at hospitals due to my health conditions, I did not notice that I never received the card in the mail. However, and I really have no idea how, somebody has received the card in person, and repeatedly made fraudulent transactions at jewelry stores and electronic stores across XXXX. I have talked to the police and filed a report for the claims to solidify my case, and prove I was not the person making these charges. 
The police report information is as follows : Police Report # XXXX - XXXXOfficer XXXX/Badge # XXXX.The fraudster has done this with my account/credit card multiple times and I have filed a claim for each occurrence : Claim ID # XXXX [ closed/claim was declined without anyone from BofA calling me or asking me for more information ] Claim ID # XXXX [ Still being researched ] Claim ID # XXXX [ Still being researched ] Two of the claims are still being researched, however, one of them ( Claim ID # XXXX ) has just recently been declined, and my account has been charged for the fraudulent amount of $ 9,000+. Nobody from BofA bothered to call me to ask for more information or to inquire about how all of this has happened. They have just " determined '' that these charges are not fraudulent. According to law, I must not be held liable for any unauthorized transactions made with the card, if reported promptly. Right now, I am really scared that BofA might decline all of these 3 claims and I end up being held liable for $ 20,000+ in purchases that I did not make. Given all the hospital bills that I have to pay, I can not really afford to be held liable for such big amounts that I did not even benefit from. Please help me with these claims, and closely monitor them, so that this does not happen. I will provide you with as much information as you need. If there is any document I need to sign, I will do so. I am really scared regarding the results of these claims, and according to law, I should be protected. Please help me. Thank you.