23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was using XXXX  XXXX XXXX ( BOA ) bill pay service and intended to pay American Express {$1600.00} for in-full monthly payment. In error, {$71000.00} was withdrawn and processed. XXXX did not raise an alert for auto-payment amount not in keeping with historical values. American Expressed received an excess payment of {$70000.00}. Immediately, upon recognizing the overpayment of {$70000.00}, we contacted both XXXX and American Express on XX/XX/2024. All necessary information was provided to lend wire transfer of funds ( typically a request which takes XXXX hours ) back to XXXX. Despite the reassurance of immediate refund of overpayment, no return of excess funds was rendered for nearly XXXX weeks. American Express was contacted on : - XX/XX/2024 by myself- XX/XX/2024 by my husband ( primary account holder ) - XX/XX/2024 by myself with a XXXX associate on the line and also by my husband as primary account holder - XX/XX/2024 by my husband with XXXX associate - XX/XX/2024 contact by me again as there was yet no resolution on the matter or refund of overpayment of funding in excess of $ XXXX. Made several requests to speak to a supervisor and there was reservation to escalate matter with each customer service representative try to " solve the issue '' and reassuring me that " there is a process that must be followed '' and that American Expressed 'needs to investigate the matter ''. 

Frankly, I don't understand what process to be investigated when there is clear evidence of overpayment via an auto-bill-pay mechanism and where is no third-party vendor, goods, or services having been rendered with the transaction. When payment was to be paid, I was informed that I would not receive any interest for having held excess funds for XXXX weeks despite the hardship this posed to me as a consumer. American Expressed would not have hesitated to penalize me with high late fees for non-payment of a bill, even if late by 1 day. Why is it that they can retain rights to hold on to overpayment of $ XXXX for XXXX weeks without any monetary compensation to a consumer? Wire transfers with large banking agencies can be rendered immediately if/ when errors occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.
Product: Mortgage

Your choices of " best describe '' does not cover my issue. I have made an application for a new HELOC with WELLS FARGO BANK where i have been a loyal customer for 40 years. When I made the application, I asked specifically for a full appraisal so that I could obtain the largest line available. They paid no attention to this request ; simply obtained a value and told me what they could do without a full appraisal. ( very much what they have been guilty of in that THEY decide what you need/want without listening ) In addition and most importantly they send me my credit score monthly which last month was XXXX yet the score they use when THEY want to lend me money is XXXX - five points below the score that gives me the best rate! Why do they TELL me that I am an excellent credit risk and that I have the BEST score - UNTIL they want to loan me money and charge me a higher rate! I'm sure there is some fine print somewhere that exonerates them from this practice, but as a consumer when you send me my score and then use another score to charge me a higher rate it seems " bait and switch '' tactics! I don't need this line. I have plenty of assets and I will be moving my relationships and tell everyone about this! I felt this agency should know - little has changes with WELLS FARGO! My banker did the best she could against the big bank that calls the shots!
Product: Credit card

15 U.S. Code 1681c-2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt. It has been more than XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIAYELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following accounts listed IMMEDIATELY. 

My information with XXXX has been breached and here is the proof attached below. They refuse to delete these accounts. So please delete this from my credit report immediately as I was a victim of this data breach. I received a copy of my credit report and found the following item ( XXXX ) to be in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.
Product: Checking or savings account

On XX/XX/year> I attempted to send a XXXX transaction from my US Bank Mobile Application. I added a new payee and entered {$89.00} and submitted. The transaction appeared to time out and eventually closed. I was logged out of my application and not advised why. I attempted to log back in, thinking there was a glitch but was unable to. I called the US Bank Fraud telephone number and spoke to " XXXX '', who was very nice and said that there was " nothing she could do because I was locked out of my mobile banking for 48 hours ''. She then transferred me to Online Banking Customer service. Spoke to a nice lady there who stated that US Bank systemically locks the mobile banking platform when it detects a suspicious XXXX transaction for 48 hours and she, not does any other banker have the ability to unlock even in cases of NOT FRAUD. I do feel that this is a UDAAP violation, as I was unable to use my mobile banking platform, even after confirming NOT FRAUD. The Customer Service or Fraud Team at US Bank should have the ability to unlock a consumer account after determining the facts. A blanket 48 hour systemic platform restriction is inappropriate and customer impacting.
Product: Mortgage

My home has been forclosed. I went into an offer to buy with a purchaser. Wells Fargo agreed to a short sale. I was informed that the property would be auctioned off on XXXX XXXX, 2017. Now WF has informed me that hey have cacelled the short sale option because they have not heard from my realtor. This is a converstion that has been recorded and documented in ref to my realtor. I have provided all requested info as well as my realto. I owe XXXX I was offered XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX/XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my report and I see their are multiple violations and inaccuracies.. 

XXXX XXXX XXXX. Inaccurate open date 2. Inaccurate account status 3. Inaccurate pass due amount 4. Inaccurate last report date 5. Inaccurate date last active
Product: Credit card

I am a victim of Identity theft. These are not authorize accounts by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX In XX/XX/XXXX, he submitted this account to a dispute both with the company directly and with the credit agencies, where I have received the same response on multiple occasions from the credit agency but I sent them the information corresponding to the complaint that this account the expenses and payments were not made by me. 

This credit card had a limit of {$1100.00} and it appears in my report and in the account a credit card with a debt of {$6400.00} and closed and with multiple months of late payments significantly affecting my credit report. 

I have tried in a thousand ways to solve this problem with them and the answer is the same. I tried it through this means and it will be my last attempt before taking this to legal instances where I will be forced to file a legal claim since they are in breach of my rights. according to the FCRA, where it establishes that the information must be 100 % accurate, verified and verified. 

As you can see in the attached files, the information is not exact or verified, since at this moment I have an open case with the XXXX company which the case number is XXXX, where I clearly explain that this card was used and paid without my authorization where the records may show that I did not make any payment to that card and less for those amounts, and that if I had a card for {$1100.00} how I owe you {$6400.00} this is a complete fraud that they carried out on me and I demand that be legally verified and don't keep giving me the same answers. 

In the same way, I asked the company to send me the following information in my report that is inaccurate and incomplete and I did not get a response, they only told me that the information is correct and verified and as you can see there is nothing correct or verified when the information requested It is not reflected in the report. so the response I received from this company regarding my previous dispute seems to me to be a total breach of the laws set forth by the FCRA. 

1 ) The account History shows incomplete information in the same way that I don't understand why it keeps reflecting that this account is in CO when it should be deleted for being a fraudulent account. 

2 ) The payment History guide shows information from XX/XX/XXXX and does not show me information before that date in order to check when the scams were carried out on my card. 

3 ) The History balance, is shown from XX/XX/XXXX, where it already shows a debit balance of {$2800.00}, when the card had a credit limit of {$1100.00} as you can see in the report, before that date I did not It shows no information for me to be able to verify when they made those expenses, and especially how the card could make those expenses for those amounts, if it did not have the limit to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 15 usc 1681s-2
Product: Checking or savings account

I have been with Bank of America for 5 years, and I am a XXXX XXXX XXXX. I am quite disappointed in the service I am getting from Merrill Edge, and calling them involves waiting on the phone for 1 hour. Emails are impossible.

I wanted to transfer {$5000.00} that is currently on hold from my brokerage account ( XXXX ). I have been locked out of my Merrill account for no reason, and I do not get answers except that my account has been locked. 

This is against the terms and conditions of my account, as you all are holding onto my money without the ability to transfer the balance into my checking account or say why my account has been locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts showing late when it should not be
Product: Credit reporting or other personal consumer reports

Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : XXXX XXXX XXXX. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit card

Timely payments have always been made on this account, so I'm confused about the late payment reports. 15 USC 1666b indicates that billing errors should be addressed.
Product: Payday loan, title loan, or personal loan

Bank of America, XX/XX/XXXX, Credit taken away/Line of Credit reduced to zero ( closed ) without notice. The only way I found out was because I logged on to the BofA website and the account was missing from the list of my open accounts. Gone. No history. I could not even view past statements. 
Nothing. Once I realized the issue ( XX/XX/XXXX ), I called Bank of America and they, too, were unable to locate it using my profile information ( there were at least two representatives who tried to help locate the information using the usual data points like name, social security information, etc. ). Looking through some old records ( thank goodness I didn't sign up for and another reason to forego Electronic Only records/ electronic records safekeeping offered by the bank ), I found and provided the account number to the third customer service representative to whom I was transferred, at which point I was informed that they closed it, that the account was an account they no longer offered, they would not reopen it and they wouldn't grandfather it. They never informed me of their plans to close it nor that it had been closed. Never. Additionally, it immediately impacted my credit score as it reduced the amount of available credit.
Product: Credit reporting or other personal consumer reports

I was not presented any information in what was owed or information showing that it was me. No name, social, address, or contract stating or showing proof that it is me that owes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

According to *15 U.S. Code 1666 ( b ) *, creditors are required to correct billing errors promptly. I believe that this late payment entry is inaccurate for the following reasons : the late payment is inaccurate. : " The payment was made on time but was not processed correctly by your system and I never received a bill for the month in question, and I dispute the late payments that was applied as a result I am trying to buy a house for my XXXX XXXX  and this late payments hurts my dream thank you for understanding my situation
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent the certified letter below to Experian and XXXX. As on XX/XX/XXXX I have not received any communication from them. Please assist with getting this information corrected. 
I am writing to formally request the immediate removal or validation of all late payments listed on my XXXX  account ( Account # : XXXX ). The account is listed under the following details : Account Type : Credit Line Date Opened : XX/XX/XXXX Current Balance : {$18.00} Credit Limit : {$1800.00} Payment Status : Current According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, you are required to ensure the accuracy of the information you report. If these late payments can not be validated with original documentation and proof that I was actually late, you must remove all references to late payments from my credit report. 

I am requesting : Full validation of all reported late payments, including original documents and proof of late payment. 
Immediate removal of all late payment records if validation can not be provided. 
Failure to validate these late payments would be a violation of the FCRA, and I will take further action if necessary to ensure compliance. 

I expect written confirmation that these issues have been resolved within 30 days, as required by law. Please treat this matter with urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Product: Credit reporting or other personal consumer reports

FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Credit reporting or other personal consumer reports

I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Product: Mortgage

I have message the company numerous times and called, left messages and phone reps only hang up without assisting
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau customer service fraud department Falsely taking calls for disputes have the consumer believe that Equifax is submitting proper information and they not submitting the dispute over the phone given complaint number like they submitted dispute and when you go online to check the complaint is not valid when I go online to review the status of my dispute the complaint is not pulling up