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

I have had a credit card account with Bank of America since XX/XX/XXXX. Over the last 14 years, I have been allowed to add and delete authorized users on my account, and have always understood by doing so that I was taking full responsibility of allowing them to use my card, and that I was fully responsible for any and all charges associated with use of my credit card. On XX/XX/XXXX, I went to get gas as usual using my Bank of America credit card, and it was declined. Thinking the machine was broken, I left and went to a different gas station. After my card being declined again, I called in and found out that my account had been reviewed and closed without any prior notice or explanation. While that was not expected, and I understand it is within their rights to do so, I have another issue. I had earned XXXX points as of XX/XX/XXXX. I have tried to cash them out at the .01/pt rate they normally offer, and am unable to do so online as I have always done. I called in and spoke with 2 different people at Bank of America, and neither could give me a reason as to why the points could n't be redeemed, only stated that they were lost due to the account being closed. These points were earned. Had I cashed them out on XX/XX/XXXX, they would have sent a check. This is unfair, and I wish to be compensated for {$1000.00}, which I earned using this card.
Product: Credit reporting

My apartment charged a break-lease fee ( ~ {$1200.00} ) and turned it over to a collection agency, as they apparently do n't have an accounting department. The debt was paid in full and the account was closed. It is a significant derogatory mark on my credit report and I request that it is closed as it is negatively affecting my credit score.
Product: Credit card

On XX/XX/XXXX i was notified by Apple Card Services who is issued by Goldman Sachs that my Apple Card was temporarily on hold due to the back office making sure to keep me safe. I was a victim of cc fraud which is why I had to change my virtual number and etc. Apple told me it would take 10 business days to restore my account but never restored it and decided to on XX/XX/2023 they would close my account without letting me know. They never told me why they put my account under review in the first place. This account closure has made my credit score go down tremendously and as a cardholder it is unlawful for them to withhold why they closed my account and do it for no reason. I was a victim of card fraud then they close my account. I was told by XXXX agents and supervisors my account would not be closed that I have record and proof of. Apple Card is using unethical practices and I need my account back ASAP!!!! You can not close an account for no reason and not let your customer know.
Product: Credit card or prepaid card

There are two fraudulent hard inquiries as well as a credit card opened through synchrony under my name. I have called multiple times and the representatives act like they havent heard about my complaint before. Its been 18 days and I still havent received a confirmation letter. I have o ou received a bill demanding that I pay the {$1500.00} fraudulent credit card bill. I have disputed through the CRAs and none of the information is correct and it hasnt been corrected. Every time synchrony changes my report it negatively effects my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent Experian credit service. XXXX letters to remove an address that is incorrect. i also asked Experian to mail a copy of my report. Experian credit service fail to mail a copy of my report on 3 request. Under the fair credit act. credit reporting companies. must furnish credit reports and after all disputes. under the fail credit act USC 15USC1681 all information on my report must be factorial. Its very frustrating, Experian is the only one reporting my incorrect address. XXXX and XXXX have my correct information list and have mail me copies of my report. please have Experian make the correction immediately. I will enclose a copy of my driver license and copy of a utilities bill showing my correct address. all of address should be removed. 

Thank you, XXXX
Product: Credit card or prepaid card

On XX/XX/2021, a charge by 'XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX appeared on my credit card, for USD XXXX. This charge alleges damage to a rental car in XXXX. I did not damage this car. 

On XX/XX/2021, I disputed this charge. I was subsequently provided with a rental car contract for this rental. Close inspection of this contract revealed the following : - The rental car contract is not in my name, but in a name similar to my name. 
- The address provided on the contract is not my address, and in fact does not seem to be a US address at all. 
- The contract lists a driver 's license number as XXXX XXXX XXXX : XXXX. I do not have a driver 's license with such a number, in fact all Michigan drivers ' licenses follow the scheme of one letter and 12 numbers. I have provided a copy of my drivers ' license to the credit card company. 
- The contract lists a passport number. The number listed does not agree with my passport. I have provided a copy of my passport. 
- The signature on the contract is unreadable but does not agree with my signature. 

I am therefore not willing to cover the costs of this rental. 

My complain to the credit card company has subsequently been closed, with the answer that they have reviewed the materials and couldn't find anything wrong with them. None of the points that I have raised have been addressed.
Product: Checking or savings account

My account ( and many others ) have been disconnected from XXXX. I called customer service where an agent told me she could " absolutely help me with that '' and said she needed to verify my info and would be right back. Then she proceeded to place me on a seemingly endless hold. I hung up after XXXX minutes. It appears PNC may be permanently blocking connection to XXXX.
Product: Mortgage

We took out an FHA loan with a 7 % down payment. We thought we could have the PMI removed when we got the LTV below 80 %. Now that we are well below the threshold, we learned that we should have put at least 10 % down to be eligible for the PMI to be removed, and that we are stuck with paying $ XXXX every month for the remainder of the loan simply because we didn't put down an extra 3 % at closing. We would have put 10 % down had anyone told us this rule, but no one did. Now, we are being told that we have to refinance into a 7 % rate to get rid of the PMI. Our LTV is about 56 %, we have never missed a payment, but have made extra payments instead. We shouldn't have to pay PMI any longer, or refinance to get out of it, because our mortgage officer didn't know to explain the rules better to us.
Product: Vehicle loan or lease

Potential Predatory Lending Practices :   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  On  XXXX / XXXX /   2017  I went to   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  ( phone :  XXXX  ) to purchase a new  XXXX   XXXX . After hours spent finding the car I wanted, we began discussing financing.     According to  XXXX , my Equifax credit score on  XXXX / XXXX / 17  was  XXXX , resulting in me being quoted at an 8 % rate. After telling them that was ridiculous, I told them I would seek financing elsewhere.     On  XXXX / XXXX / 17 , I went to my bank,  XXXX   XXXX   XXXX  to see if I could access a better rate  via one of  their loans. According to  XXXX   XXXX   XXXX , the very next day, my Equifax rate was  XXXX !! This resulted in me getting a 2.94 % loan. Needless to say, I took this loan and went to a different  XXXX  dealership to make my purchase.     FURTHERMORE :  XXXX   XXXX   XXXX   XXXX  emailed my credit score to my mother, without my permission! Additionally, her email is some weird address  XXXX  XXXX  XXXX . Why would they send my credit score to some random address!?!?     The credit report they sent me looks fishy, as if it has been edited. Please take a look into this as their practices seem sketchy.     I felt like because I was a young, first-time car buyer they were taking advantage of me.
Product: Student loan

XXXX XXXX university inflated their abilities to land students with jobs as well and the salary amount. And when I was initially given the loan for the school I was working a part time job, and they didnt even ask for a co-signer. The loan amount was XXXX for XXXX XXXX University. I have had issues paying my private loan due to the amount, even with income based repayment. Some years back I was having trouble paying my private loan and they rushed me into forebearance without offering any other help or repayment possibilities. Multiple times they have tried to push me into forebearance and then today XX/XX/18 I made a phone call because my job start date was pushed back and the lady I spoke with on the phone asked me 3x if I wanted forebearance and I said no each time because I do not want to add to my principal. And after the 10 minute conversation, she stated, ok well let me process this forebearance for you and she asked me if I agree and I once again stated no. This deceptive practice is why my original loan went from XXXX to XXXX initially. And now Im saddled with these loans that Im struggling to pay and Im fed up with it. There was income based repayment options offered this time but at the end of that conversation is when she threw in processing the forebearance. There is zero explanation on what forebearance does and the only reason I know now is from ample research. This company ruined my life.
Product: Student loan

I had numerous issues with Navient ( XXXX ) from the start. From endless fees, to obnoxious harassing phone calls, extremely high interest rates, the list goes on and on. The representatives at Navient are disorganized and super hard to deal/work with. They are an extremely corrupt company! I always have problems with them making mistakes on my loan payments. They tried to withdraw even more money from my bank account that I had authorized and put my account in the negative. So many problems with Navient!
Product: Student loan

My student loans were forgiven in XXXX XXXX with an effective forgiveness date of XX/XX/XXXX. I have XXXX qualifying PSLF payments of which XXXX were prior to the COVID pause. It took almost 2 years to get them to process my forgiveness. On Mohela 's website it states that refund of payments in excess of XXXX would be happen within XXXX calendar days. It is now over XXXX calendar days. I have called Mohela and send messages and they can't tell me anything. I filed a message with Federal Student Aid and they didn't answer any of my questions.
Product: Credit reporting or other personal consumer reports

A dispute was filed with TransUnion. On XX/XX/year> I was informed by XXXX XXXX that they had provided the dispute results. I checked TransUnion and the results were not available. I called and I also contacted via messaging TransUnion and was not able to get the results. I was told the results could be " unavailable for a number of reasons. '' XXXX XXXX says that I have to get the results from TransUnion and TransUnion refuses to make them available, although they have them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  continues to report misinformation to XXXX and Equifax despite my request to have this information removed and corrected because any debt to this company is a result of identity theft. I have filed reports with the IRS regarding the fraud XXXX and XXXX have committed by reporting this debt to the IRS as valid.
Product: Credit card or prepaid card

Over a period of several months I have tried to resolve a dispute with Wells Fargo credit card department about a dispute I made last year 2020 for {$110.00} on XX/XX/2020. I have been given the run around and told to send a written letter for a second time to reopen dispute and got same answer declined without an explanation. I want my dispute resolved and for Wells Fargo to solve my dispute without wasting my time and not really investigating the issue and violating my rights as a consumer.
Product: Mortgage

This is a complaint against SN Serving corporation. 
I was previously serviced by XXXX XXXX XXXXs, During my last few months with American Portfolio i had requested for my PMI to be removed, XXXX XXXX asked me to pay for an appraisal to be done and if my appraisal came back over {$610000.00} i would qualify to have my PMI removed. 
The appraisal was done through XXXX XXXX Mortgages on XXXX, the appraisal came back at {$720000.00}. 

Right when XXXX XXXX were in the process of removing my PMI, my lone was bright by a new serving company SN Serving Corporation. I contact SN Serving by phone and explained the situation, they went on to say that if i can provide the appraisal and a letter from XXXX XXXX stating that PMI can be removed based on current market value then they would honor this and remove the PMI. 

On XXXX i sent SN Serving Corporation the appraisal and letter from my old serving company stating that PMI can be removed bested on current market value and if my appraisal came back over {$610000.00} i would qualify to have it removed. 
Since sending them this information they have been almost impossible to reach, I have since received a letter saying they don't remove PMI basted on current market value, Even though on the phone they said they would if i can provide the appraisal and letters and they also said on XXXX they would re look at this yet still they will not resolve this issue. 

Its not my flute they brought my loan mid process of PMI removal being completed with my older lender, I have been told i qualify to have it removed and it should be granted. 

They have not tried in anyway to resolve this issue which was in the process of happening when they brought my lone, This has been going on for months now and I need this to be resolved. 

I have never heard of any mortgage leaning refusing to remove PMI based on current market value, they need to honor my PMI removal as it was in process when they brought my lone.
Product: Debt collection

RE : Trident Account XXXX Dear Sir/Madame : On XX/XX/XXXX I have sent a notice to Trident Asset Management pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
When I called to follow up I was told that they have not received the notice, so on XX/XX/XXXX I filed a XXXX Complaint and forwarded a copy of the same request to Trident Asset Management. 
I have asked Trident Asset Management to validate the account and requested the account related documents. 
Instead of sending the documents to me, Trident Asset Management responded that they have sent something to me XX/XX/XXXX. I have never received any notice, letter or validation documents from Trident Asset Manage Management. To this date my requests for validation remain ignored. 
A certified mail sent to XXXX XXXX XXXX XXXX, GA XXXX remain at USPS PO Box unclaimed ( USPS tracking number XXXX ). 
It seems that the request for validation is deliberately and willfully ignored, and the company is in breach of Fair Debt Collection Practices. 
I do not recognize this debt and I request the company to immediately provide all the evidence to substantiate the claim that it 's a valid debt which I have legal obligation to pay, or cease any and all collection activities which includes furnishing inaccurate and unverified information to Credit Bureaus.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$350.00XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX I sought legal counsel and hired the Law Office of XXXX XXXX after having been served with a Civil Complaint by XXXX XXXX. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to XXXX XXXX informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Then, on XX/XX/2019 her office called and spoke with XXXX requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with XXXX for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 ) business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from XXXX stating that XXXX was closing my account and ceasing collection actions against me. My attorney was in the process of responding to XXXX to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from XXXX. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to XXXX outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, XXXX is now ignoring my attorney and has refused to respond to her. XXXX 's actions are egregious and should not go unpunished.
Product: Credit reporting

I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX this is not my account
Product: Credit reporting

I am trying to get a state tax lien off of my credit report, it is already paid off and satisfied and is preventing me from getting loans and credit in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates that credit reporting agencies ensure the maximum possible accuracy of consumer information. 

Additionally, under 15 U.S.C. XXXXo, XXXX may be held civilly liable for negligent noncompliance with the FCRA, including failure to investigate and correct inaccurate information. Under 12 U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ) of the Consumer Financial Protection Act, it is also unlawful for consumer reporting agencies to engage in any unfair, deceptive, or abusive acts or practices. 

Furthermore, under 15 U.S.C. XXXX ( Section XXXXB ) of the FCRA, if this inaccurate information is the result of identity theft, I have the right to request that it be blocked from my credit report. If applicable, I am providing the necessary documentation to support this claim, and I request that XXXX take immediate action in compliance with the law. 

In compliance with the FCRA, I expect an investigation and a response within 30 days of receiving this dispute. If XXXX fails to correct these inaccuracies, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Enclosed are copies of supporting documents to support my claim. Please update my credit file accordingly and send me written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter. Please respond in writing to confirm receipt and the outcome of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee RLE. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, Equifax, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX  XXXX XXXX XXXXXXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, Equifax, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.