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

Im writing today to provide details as they pertain to the issue with my Bank of America credit card that was closed by them -- with absolutely no notice to me -- on XX/XX/XXXX. 
Eighteen years ago, I opened my first credit card, with my father cosigning as guarantor. For eighteen years, I made my payments on time, monitored my usage carefully, and never went over my credit limit. I very carefully built my credit, and very intentionally kept this card open and in good standing, as I know how much the average age of credit can impact a credit score. 

In XX/XX/XXXX, evidently Bank of America decided they needed more information about my father ( just address and phone number, nothing major ), who has not moved in five years or changed phone numbers in 20 years. It having been so long since the account was opened, and given how little information they required from him upon opening the line of credit, all they had retained as far as his information was one of my old addresses, at which he never lived. 

BOA claims they sent a single letter to an address at which my father never lived, and at which I have not lived for seven years. ( Note that they randomly updated his address to mine when I lived at the address mentioned above, but not, for some reason, when I moved into my current home, which I have owned and inhabited for seven years. ) When that letter obviously went unseen and unanswered, they unilaterally closed my XXXX year old account with absolutely no notice to me of any kind, which they openly acknowledge. This means no letters, email, or phone calls at all. I discovered the account was closed via a credit monitoring alert from XXXX. 

Ive spoken at length with bank representatives, both over the phone and in person at a branch. All have claimed that there is absolutely no way the card can be reopened, which is simply bank policy, and have offered no recourse for my severely damaged credit. My average age of credit has dropped from nine years to 3, and my available credit has suffered hugely as well. My credit score has dropped into Fair for the first time I can remember -- at least 15 years. My husband and I share a car and were about to apply for an auto loan. That's no longer possible. This has had severe and real-world consequences for me, through no fault of my own.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Product: Mortgage

By way of this notice, I want to provide my complaints about Chase Bank USA , N.A . and JPMorgan Chase Bank , N.A . ( collectively, " Chase '' ). 
Chase hires and routinely deals with unscrupulous appraisers that are providing low ball appraisal figures on consumers homes in order to benefit themselves. Specifically, they used XXXX XXXX, XXXX who appears to have subcontracted XXXX. The consumer spoke to XXXX XXXX XXXX. His appraiser I.D . is XXXX. He holds the opinion that Chase would not send him any work unless he provided the most conservative figures when appraising homes. Chase also delayed in its process to close on my refinance deal after its appraiser was placed on the watch list. During the period of delays Chase unjustly enriched themselves by charging the consumer higher rates of interest with respect to a line of credit that turned into an arm. Chase came up with various excuses for delaying the refinance deal ranging from not being able to IRS transcripts on time, appraisal expired, and finally now the truth which is that Chase could not get their investors to accept its hired appraisers ' work. XXXX XXXX XXXX ( Chase Processor ) and XXXX XXXX XXXX ( Chase Supervisor ) repeatedly failed to answer phone calls and emails, and left this consumer in the dark. We repeatedly spoke to XXXX XXXX XXXX and learned that XXXX XXXX XXXX was mis-informing us. In fact, it was quite normal for XXXX Chase employee to routinely contradict what the other was saying.During the past several months while in this process Chase has been unjustly enriched itself by delaying the approval of my refinance loan while profiting off the additional interests its charging on the existing line of credit while failing to approve our refinance deal. We have hundreds of emails and Chase statements to confirm the abovementioned. The only Chase employee who has remained truthful during this entire process is XXXX XXXX XXXX.
Product: Student loan

I have received multiple ( 2 ) physical mail letters stating that I owe a monthly payment of {$610.00}. I have received one letter stating I have a past due payment. However, my online portal states that I have a past due balance of {$0.00} and do not currently owe anything. I have tried calling, but wind up stuck on hold and do not have time to wait and jump through hoops to do someone else 's job.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received email stating my dispute was completed but nothing was fixed. Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable investigation of disputed on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank is reporting late payments to all three credit bureaus XXXX, XXXX  and XXXX. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fee due to lagged posting of charges and credits. This issue aligns with the recent CFBB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation in my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerassist AR SOULTIONS has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with AMERASSIST AR SOLUTION. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
Product: Credit card

On XXXX l went to pay my balance of {$78.00} on their mobile app as l always do. Their system said something went wrong please try again so I did. They ended up getting XXXX payments which posted a couple of days later. I asked for a refund for the overpayment. They issued me a refund with a check. That should have solved the problem! But after that they AGAIN charged me {$78.00} when I had ALREADY paid them on XXXX. They took back the refund they gave me and I was forced to pay it because they didn't fix my account even AFTER I reached out to them MANY times. They put the due date of XX/XX/XXXX on the new bill. I DON'T owe them this. I paid them a total of {$150.00} on XXXX and I asked for the second payment to be refunded. The difference that they kept was my payment of {$78.00} which I paid on XXXX. Also they deleted on their history XXXX of the payments that posted. I have picture of the bank statements that show the XXXX posted payments and of the posted payments that posted on my Avant account on their website! So they made it look like l only paid ONCE and by putting they refunded me it makes it seem like they refunded me the payment I ALREADY made. That's why they are charging me AGAIN. They did this in purpose. I don't owe them anything yet they keep saying l do. I was forced to pay it again today because I am not going to allow them to ruin my credit. This is how they take advantage of their clients!! If I paid them XXXX and they refunded me XXXX then I should not have had to get charged AGAIN. They took back the refund they sent me for the overpayment or second payment of {$78.00}. In the end NOTHING was fixed and they are getting away with this. Again, l had a balance of {$78.00} and I paid it on XXXX. Their system said something went wrong please try again so I did. Due to this l ended up paying them XXXX. They got a total of {$150.00} from me. I asked for a refund for the XXXX payment. I got a check in XXXX for {$78.00}. {$150.00} minus $ XXXX {$78.00}. This difference is the payment I made on XXXX. THAT should have resolved my account!! But because I complained they AGAIN charged me {$78.00} and said it's due on XXXX even after I asked them to fix it! How is this fair?
Product: Money transfer, virtual currency, or money service

I had a refund ( {$340.00} ) pending with them. They said they were going to send me a check and they never sent it to me until today, I'm still waiting, I have called them, they don't answer, I have written to them and I don't have a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. 

I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has 4 revolving accounts ( one newly added ) on my current credit file. It was changed sometime during last year. 

When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Nelnet was servicing my student loans. I did not qualify for in-school deferment because my school was not XXXX XXXX. There were several conversations about a forbearance and/or deferment for several months from XXXX XXXX through XXXX XXXX. The forbearance was finally granted and was retroactive to to XXXX XXXX, XXXX but covered all months between XXXX XXXX, XXXX through XXXX XXXX, XXXX. My account was brought current with Nelnet but was never updated with the major credit bureaus. This behavior is contradictory to the FCRA 623 ( a ) ( 2 ). They are direct violation of the the FCRA. I have asked customer service representatives to send me written proof of my forbearance but they keep sending me a payment history. The last representative I spoke with told me, " this is not going to help your credit report, we are not fixing that ''. My loans have been consolidated. prior to the consolidation, Nelnet refused to even acknowledge the forbearance.
Product: Mortgage

In XXXX we purchased an apartment in XXXX XXXX, NJ and obtained a refinance loan primarily for renovations. At that time Wells Fargo provided an appraisal of {$330000.00}. At the time the appraisal seemed very low and there were multiple material discrepancies in the appraisal report itself. We disputed the appraisal but Wells Fargo sided with the appraiser. 
In XXXX of XXXX, given the very low interest rates, we decided to refinance from a 30 year mortgage to a 20 year mortgage. Again, the Wells Fargo appraiser visited our residence and returned with an appraisal that was well below the appraisal from XXXX ( prior to all the renovations being completed ) of {$260000.00}. We disputed this appraisal, and it was adjusted to above the original appraisal from XXXX to {$350000.00}. We remained unsatisfied as apartments of this quality sell for much more in this immediate area. As with the appraisal in XXXX we thought that perhaps there was some bias in that this is a XXXX  household, especially given the lack of explanation from Wells Fargo. Because we disputed this second amount with a claim of bias this was 'escalated ' to Wells Fargo 's executive offices for redress. We were contacted by the office and a 3rd appraisal was scheduled. Again, the appraiser visited our residence and returned his appraisal ... this time below the adjusted amount of the original XXXX appraisal and BELOW the XXXX appraisal DESPITE THE FACT THAT THE APPRAISER NOTED IN HIS REPORT THAT PRICES OF APARTMENTS IN THE BUILDING AND THE AREA HAVE REMAINED STABLE AND INCREASED. The last appraisal was {$320000.00}. 
We asked how, within a space of less than three weeks can a value go from {$260000.00} to {$350000.00} then to {$320000.00} ... the representative stated that " appraised values are simply the opinions of the appraisers '' We have had contact with the executive office at Wells Fargo but they 'stand behind ' all their appraisers and their reports. The agent at Wells Fargo stated " appraised values are opinions of the individual appraiser '' lending credence to the likelihood that this is same-sex discrimination. The written correspondence from Wells Fargo intentionally omits several material facts and when asked why, the representative said he didn't think these material facts were relevant.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX and most recently XX/XX/XXXX, Experian has failed multiple times to provide me with the results of their investigation after I asked them to validate the debt with the creditor as they are NOT mine. To this date, they ( Experian ) have used several tactics inclusive of asking me to send them proof that I am who I say I am and accusing me of being a third party to my own information. However, I AM the consumer, and I have sent copies of my DL and SS card multiple times to them. I also feel that Experian is utilizing this practice to circumvent and distract me from the fact the creditors were unable to verify the debt because they are not mine,
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information affecting my credit score and therefore, effecting my ability to obtain credit. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy. Additionally, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

Please demand the Creditor, in this case, XXXX to produce evidence of the delivery of the mailed payment, no later than XXXX day, as the law states. If XXXX is unable to produce this letter the account must be deleted as it violates the law.
Product: Credit card or prepaid card

I received an offer to apply for a credit card with Avant through XXXX XXXX, an approval guarantee was offered in amount of {$50.00} by XXXX XXXX, application denied. Avant claims reason for denial is due to past account which was charged off, however, they have not sent me notice of decline which XXXX XXXX needs to process their guarantee.
Product: Credit card or prepaid card

On XX/XX/2022 ( the date our payment balance was due ) we attempted to pay our XXXX XXXX balance of {$1300.00} online. The website contributed to give an error message that said, Were unable to process your request at this time. Please call our customer care team at XXXX. Not being able to call due to our schedule park schedule, we attempted to log on again that evening. When it didnt go through we attempted to pay online each day until it finally went through on XX/XX/XXXX. We then incurred a late fee of {$37.00}, which doubled to {$62.00}. When we again attempted to pay this fee online the same error message came through. Today I finally called and was hung up on, then when I called back was told that I should have gone to a XXXX XXXX store to pay in person, which is unworkable as we live far from the store. When I called back a third time to pay over the phone, I was told by the recording that I would incur an additional {$9.00} fee to process payment over the phone, which is outrageous. I then proceeded forward and was disconnected again. 

This company is literally scamming people by preventing us to pay our bill and forcing us to pay late fees that we can not even process because their system does not allow it. I am filing this complaint to report this company and to reverse these late charges. This is only one of a handful of issues we have encountered with this company and we simply want to pay our account balance so we never have to do business with this company again.
Product: Credit reporting or other personal consumer reports

Submitted dispute letter to Equifax, XXXX, and XXXX using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. Equifax stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting Equifax to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. Equifax wrongfully reported the information without any consent or verification from myself or the Court of Record.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a letter about a debt of {$77.00} for a radiology consultant. This came from a Minnesota law office called Malacko Law Office. I live in Iowa and it claims I had x rays XXXX XXXX. This is not accurate as the health organization I use sends me updates and payments through and app. The last x rays I had were XX/XX/XXXX XXXX XXXX. Then the insurance company from the man that hit me on XX/XX/XXXX accepted responsibility for all my medical bills after the accident.
Product: Credit card

I have a credit card with Bank of America for more than five years ago, when I started to use the card, my minimum payment was approximately {$80.00} now, every time that I used the credit card, the rate increased, and the minimum payment too. 
In the month of XXXX, my mother-in-law died, days before payment due, and I was late in the payment just for 4 days, but anyway I made a payment for {$320.00}. 
now I get the receipt with a minimum payment of {$460.00}. 
For me this payment is extremely difficult to meet, I think the Bank is violating the laws to increase minimum payments and interest without informing the customer. 
Could you please intervene to adjust the monthly payment to me as I had at first time
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion customer service would not help and take care of the negative inquiries reporting to my credit report.       XXXX   XXXX   XXXX   XXXX ,  XXXX  N  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX    XXXX   XXXX ,  XXXX  Finance   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Bank   XXXX   XXXX   XXXX   XXXX ,  XXXX  Finance   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX  Bank