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

Credit card used : Barclay Card US Purchased a flight on XXXX but flight was cancelled due to Covid 19 XXXX booking ID : XXXX / XXXX XXXX booking code : XXXX Amount : {$510.00} My credit card statement shows XXXX XXXX charged my BarclayCard, but XXXX is not refunding me. First they asked for {$100.00} processing fee, then they lowered it to {$80.00} fee. 
I do not believe I should pay any fee to get my money back for a service I never received. 
DOT says passengers should get refund if flights are cancelled by airline and mine was cancelled on XX/XX/XXXX, per XXXX XXXX customer service rep. 
Barclay Card says disputes can not be taken over phone. I submitted request for help twice online after calling. The helpline says disputes will be reviewed in 60 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to the credit bureaus and company and have yet to get any response. I would like the accounts attached in letter deleted asap from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

. XXXX XXXX XXXX, account number : XXXX. XXXX XXXX XXXX XXXX states under the remarks section that this debt was Purchased by Another Lender ; Transferred-To Another Office which acknowledges that they surrendered any legal right to collect the debt in question. Please see attached XXXX, and XXXX credit entries. I am demanding Equifax remove these entries immediately or provide me with your verification documents. Because your investigation findings conclusion of verified. You are legally obligated to provide me with the documents that you used to verify my legal ownership of this debt. 

This has clearly been sold to XXXX XXXX ( XXXX ) XXXX see attached XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX  charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.
Product: Debt collection

I had a credit card with capital one that unfortunately was charged off. We were in dire financial straights at the time and we're unable to settle the debt. The card was charged off in XXXX or XXXX. However Midland Credit Management seems to have purchased my debt AND reset my debt clock to the year XXXX. I was not aware that they could reset the debt clock without my knowledge and without communicating it to me beforehand. I have disputed this claim through XXXX XXXX 's, XXXX dispute tab with no luck. By my calculations, the XXXX years is up and this debt should fall off my credit report.
Product: Payday loan

On XXXX XXXX received a call from a XXXX XXXX stating I had 72hrs to Connact her at Samuel Whittaker and associates at XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Her telephone number XXXX. She stated if I did not call within these 72hrs than I would have a civil suit filed against me and XXXX in XXXX and XXXX county and I have been warned and have a great day!
Product: Credit card or prepaid card

This complaint involves both a United Airklines Chase Credit card and the MonthsOfMiles promotion the the Unied Airlines XXXX XXXX XXXX. My compaint is best summarized in an email I sent on XX/XX/2923 which is excerpted below. Because of the possibly deliberately misleading language of the promotion and lack of clear terms and conditions I've wasted considerable time and money by directing the majority of my purchases to this credit card and now find that some of the purchases may not qualify. 

I've made repeated requests to United to ask why the misleading language was used and to date have not received an answer. The following is my inquirey to United/Chase XXXX Subject : UNITED AIRLINES XXXX XXXX DELIBERATELY MISLEADING? 

Date : XX/XX/2023 XXXX XXXX  XXXX To : United XXXX XXXX XXXX The recent promotion of MonthsOfMiles states that for each month of XXXX, XXXX and XXXX " Just make at least 5 purchases while spending {$150.00} or more '' on your Chase United Credit Card to qualify for bonus miles. 

That language implies or even allows that those 5 purchases need only sum up to {$150.00} or more. Confusing? Yes. If there was no deliberate intent to confuse why wasn't the promotion written clearly as follows : " Just make at least 5 purchases while spending {$150.00} or more on each purchase '' Please, explain why the ambiguous wording was chosen. The attached file shows that even the XXXX XXXX help line was confused by the wording. I wonder how many consumers will discover after the fact that their 5 purchases don't qualify.
Product: Student loan

I contacted MOHELA on XX/XX/year> to request repayment options for lowering my monthly payments for my private student loan. According to their website they had six options that I would qualify for. Based on the descriptions provided the two best options for me would have been the extended term repayment plan or the rate reduction program. After explaining my financial situation to the representative, she informed me that the only option they could provide to me was the interest-only repayment program. This is the least acceptable program available to someone in my situation. I was only asking to lower my monthly payments and extend the life of my loan in order to pay it off, but instead MOHELA wants to place you in a program ( interest-only repayment ) that only reduces your monthly payment for six-months, your monthly payment increases after the program period ends, your total loan cost will typically be greater over time because accruing interest continues during the forbearance. 

Based on the information and research I've come across ; this is the standard practice of MOHELA. They are a predatory lender that only tries to push customers into repayment programs that extend the life of private student loans and doesn't allow borrowers to get the safe and reasonable opportunity to pay off their loans without MOHELA from profiting.
Product: Mortgage

Loss Mitigation on a recorded line on Mon XX/XX/XXXX made a payment agreement with me and 8 hours later changed the terms. I am almost in foreclosure. 
I am filing this complaint because BSI is going to take my home an put me in foreclosure with the way my case is being handled I am almost 120 days delinquent. 

Through all of this, The Loss Mititgator handling my case initials XXXX  on a recorded line ( XX/XX/XXXX ) made an agreement with me for payment to get caught up on my loan. The next thing I know it was changed. I am sure you can listen to the recording whomever handles this case at BSI. In addition, I sent all of the documentation and proof showing loss contractual XXXX XXXX job. 

I have been ill since XX/XX/XXXX and on leave without pay now from my Full Time Employer. I have only been working XXXX  XXXX. I was promised a course that was cancelled due to low enrollment in XX/XX/XXXX. This would have given me an opportunity to catch up on my mortgage. At the end of XXXX early XXXX I was struck with XXXX. I was told to stay home and tough it out from my Physician on the phone. I have XXXX  issues and still recovering. My husband is in the same condition. 

I sent everything asked of me by BSI documenting my loss of income. On the recorded line it was specifically mentioned by XXXX  the terms, but when I asked her to document the agreement she did not. Later that night I got a lengthily 2 page loss mitigation document. This was not the agreement. I am TOO SICK to even fill this out and can barely XXXX. 

This institution is notorious for taking peoples houses. I am asking for the original agreement I made with this mitigator to be documented and acknowledged and work with me as she stated on the phone. 

In reading complaints about BSI on consumer affairs website you will see the same kinds of complaints about them. Something needs to be done about their unfair and unjust practices. 

In addition in reviewing all of my bills, I see that additional fees have been added with no explanation. Nor have I received credit for my payment I made in XXXX on the bill. 

PLEASE LISTEN TO THE RECORDING ....
Product: Checking or savings account

I opened a WELLS FARGO checking and savings account and i got a notification that a inquiry was sent to view my credit report for both accounts. Which was unnecessary but fine. Than friday i received a notification that a credit card application inquiry had been made. So I go up to wells fargo and the account that pulls up with my social is in a different name and address according to the teller. I am referred to a banker. About 10 minutes later the banker comes to get me and notifies me that the information is incorrect. He corrects everything except my phone number. Which is the only way WELLS FARGO can verify me over the phone. He also stated that there is no credit card in my name. Which doesn't explain why there was a credit card inquiry ran against my credit. I ask for my account number and he says since I opened it online I have to wait for it in the mail. 

Wells Fargo is the only bank in the history of banks that I have used that does not allow you online access to your account immediately. 

Wells Fargo shows no effort to care about their customers identity. Despite them confirming the account had the wrong information on it with my social they can't help me access the account to verify myself. If my identity is stolen there is nothing Wells Fargo is willing to do to help me recover the account. 

This seems like a very shady business. I do not know how they stay in business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX DAte Assigned - XX/XX/2023 Original Amount owed {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company. It has not been provided because i do not.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> UNDER 15 U.S 1681 E ( B ) Accurancy of report whenever a concumer reporting agency prepares a cunsumer report.
Product: Checking or savings account

Tuesday, XX/XX/year> TO : XXXX XXXX, Chief Legal XXXX and XXXX XXXX Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX NY XXXX CC : Consumer Financial Protection Bureau Office of the Attorney General, XXXX, XXXX. 
Office of the Attorney General, XXXX XXXX XXXX XXXXXXXX XXXX, WHEREAS : XXXX. ) On XX/XX/year>, I opened a XXXX month Certificate of Deposit ( CD ) with Marcus by Goldman Sachs ( GS ). 
XXXX. ) On XX/XX/year>, I went to add more funds to said account to find that Goldman Sachs had, unilaterally, made my XXXX month CD into a XXXX month CD. 
XXXX. ) On XX/XX/year>, I contacted Goldman Sachs Customer Service via the chat feature. I was informed that I would have to call in to resolve this issue. Since it was late, I waited until today, XX/XX/year> to do so. 
XXXX. ) On XX/XX/year>, I contacted GS Customer Service via phone. I was told that they would not remedy the matter without a penalty to me. 
XXXX. ) At that point, I decided that I would submit a complaint, but that I would also open a XXXX month No Penalty CD with GS to store my money. 
XXXX. ) On XX/XX/year>, I opened a XXXX month No Penalty CD. I was shocked when it automatically converted to a XXXX month No Penalty CD. 
XXXX. ) On XX/XX/year>, I once again contacted XXXX and was told that they would not be able to assist me on either matter without a penalty. 

THEREFORE, I require : XXXX. ) That GS immediately close my CD with an account number ending XXXX and my No Penalty CD with an account number XXXX and transfer their balances to my savings account. 
XXXX. ) That Goldman Sachs immediately begin an internal investigation as to how your systems could make this mistake and make the reports findings available to me, the Consumer Financial Protection Bureau, and the Office of the Attorneys General XXXX XXXX, XXXX, XXXX XXXX XXXX, and New XXXX  XXXX. 
XXXX. ) That you immediately credit my account {$25.00} USD to compensate me for the lost interest and as a token of regret on the part of the Bank. 

Please respond by no later than XXXX XXXX on Friday, XX/XX/year>. If I do not receive a response from you by then, I will begin contacting class action attorneys regarding this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

OUR FIRST MORTGAGE PAYMENT WAS ON XXXX XXXX. THIS WAS PAID BY A DIRECT DEPOSIT ACCOUNT SET UP BY ME. AS I UNDERSTOOK IT, EVERY FOLLOWING PAYMENT WOULD BE PAID THIS WAY, UNFORTUNATELY, THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE NOT COLLECTED AND SENT BY DIRECT DEPOSIT. IT WAS ON OUR XX/XX/2019 ( WE WERE NOTIFIED ON XX/XX/2019 ) THAT WE OWED 3 PAYMENTS TO OUR ACCOUNT. I IMMEDIATELY SENT THIS TO WELLS FARGO. 

I GUESS BEING XXXX YRS. OF AGE AND NOT TOTALLY COMPUTER SAVVY, I DID SOMETHING WRONG. 

PLEASE HELP ME OUT.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed somethings are incomplete and not accurate. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 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, I sent a letter asking them to reinvestigate these accounts listed below : XXXX  XXXX XXXX -ACCT XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX  XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

XXXX XXXX, Not reporting correctly, date last active, date of last payment is not correct, the account is not accurate. 

I GOT THE REINVESTIGATION BACK, BUT NOTICED NOTHING WAS MODIFIED OR UPDATED. 

SO I REQUESTED A DESCRIPTION OF THE REINVESTIGATION AND THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLIATION OF 15 USC 1681i7.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an application was ran in my name at XXXX XXXX   XXXX in error, without my knowledge of consent. As a result SEVERAL authorized inquiries appeared on my credit report age Ive had XXXX getting the inquiries removed. Ive reaches out to the companies individually and Equifax to fix the issue. They give me the run around instead of really investigating the problem. XXXX XXXX   XXXX has written letters to the credit bureaus as well to have them removed. XXXX  as in XXXX XXXX XXXX XXXX is actually listed on the letter enclosed however neither XXXX  XXXX nor Equifax has complied with the request. XXXX XXXX XXXX is another inquiry from the XXXX incident but did not appear on my XXXX  report so its not listed on the XXXX  letter, however Equifax received a letter directly from XXXX with XXXX XXXX XXXX included. Ive reached out to XXXX and Equifax about this issue as well, no compliance! I have also never done business with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022XXXX XXXX XXXX XXXX, and XX/XX/2022, and the bureaus did not remove them. 

Sec. 602 States " I have a right to privacy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX-Received Citi Card in mail which I had not applied for. The other authorized user was someone I had never heard of. I called Citi Card Fraud Dept, they cancelled the card and will be sending me a fraud affidavit in the mail.
Product: Money transfer, virtual currency, or money service

I sent my cousin XXXX XXXX ( $ XXXX ) {$50.00} thru cash app. XXXX who is XXXX had setup a new cash app account because her phone was broken, she didn't know how to retrieve the funds. She doesn't have the ability to comprehend how. I contacted cash app and explained it to them. They refused to refund my money. I was told that XXXX would have to call. I was on the line with XXXX trying to help her follow the instructions on getting the money. They told her that I couldn't be on the line. She called them back 3 times and could not get the money. She then told me to call back and speak for her and that she would be silent on the line. They started to help then for some reason, they said that they couldn't help or tell me why. As of today they still have not refunded my money nor did they give it to XXXX. This was a loan to XXXX 's she never paid me back because she never got the funds, nor did they refund me. This happened on XXXX XXXX. Today I sent my daughter {$82.00} she asked me for a few days ago, she declined it because she no longer needed it, yet cash app has not refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ( File number XXXX ) Transunion has sent me a updated report on XXXX XXXX XXXX account number XXXX on XX/XX/XXXX and received on XX/XX/XXXX that is still showing incorrect, the initial complaint was that the date shows open on this account was XX/XX/XXXX and closed on XX/XX/XXXX but reported as ok on XX/XX/XXXX and again on XX/XX/XXXX and 30 days late on XX/XX/XXXX and to collection on XX/XX/XXXX, how can the date show closed on XX/XX/XXXX but ok on XX/XX/XXXX and XX/XX/XXXX? these inconsistency dates. and this has now become my third time disputing this same situation with Transunion, I've downloaded Transunion Updated Results through the CFPB portal.
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally request arbitration in response to the unfair charging of multiple Non-Sufficient Funds ( NSF ) fees by Navy Federal in violation of the Consumer Financial Protection Bureau ( CFPB ) and FDIC-supervised institutions ' guidelines. 

On XX/XX/year>, XXXX XXXX XXXX XXXX ( ACH ) debits were presented for payment to my Navy Federal checking account, resulting in NSF returns and a {$29.00} NSF fee per item, totaling {$200.00}. Subsequently, similar charges and NSF fees were incurred up to XX/XX/XXXX, indicating a systematic issue. 

Despite my attempts to resolve this matter through phone calls and chats with Navy Federal representatives, I have encountered unhelpful responses, which do not align with the principles outlined by the CFPB and FDIC regarding NSF fee assessments. 

Given the circumstances and the repeated violation of regulatory guidelines, I request that this matter be resolved through formal arbitration to ensure a fair and just outcome. I seek a comprehensive review of the charges, adherence to established regulations, and a resolution that aligns with the guidance provided by the CFPB and FDIC. 

Please consider this letter as a formal request for arbitration, and I look forward to engaging in the arbitration process to address and resolve this issue promptly. 

Thank you for your attention to this matter. 

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

My account was never late! I have had exceptional payment history 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 to be updated.

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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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.