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

I was charge twice for the same item from a merchant which two bank card was charge on the same day for the same amount for the same merchant.. The correct charge was place on my XXXX XXXX XXXX ending in XXXX in which I authorize and approve The charge on my Discover card in which I was told by the merchant that it was denied by the bank.. In which i needed to pay on a different card in which I use my XXXX debit card which is link to my checking account On XX/XX/2023 i open a dispute with Discover Card in which the case number is XXXX and XXXX I told them i needed to open a dispute because I pay by other means in which the charge on my Discover was invalid because the merchant said it was decline. I was told to send in documents showing that i paid with a different payment method.. Discover open my dispute in which they issue me a temporary credit for both charges On XX/XX/XXXX merchant contact me by text message to inform me that they will be issue me a refund back to my Discover Card ending XXXX for both charges. In which they sent me proof of the refund in which on the same day I called Discover in which I told them I was getting a refund and that I should close the case.. In which I close the case on XX/XX/XXXX 9 days went my ad I didn't receive the agree refund in which I contact the merchant on XX/XX/2023 by text message and was told that they process my refund and their nothing they can do for me.. 

I contact Discover on XX/XX/2023 in which I explain to them that I never received the refund as agree in which the agent inform that I need to upload documents showing the merchant agree to give me a refund in which I upload.. 

I was told XX/XX/2023 that a agent contact the merchant in which they say they didn't agree to give me a refund in which is incorrect because I have info they sent to me showing i was getting a refund and I was denied of getting the credit
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debts in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from these accounts from their records due to an unidentified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated them and the banks also approved of updating the status of the accounts to open/closed never late after I talked to them on the phone. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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,
Product: Credit card or prepaid card

There was a police report submitted to Bank of America. A supplement was submitted too to Bank of America. Bank of America did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of America is not addressing the issue. 
Payment was made thru a XXXX XXXX Bank account given by this company call " ALSO XXXX XXXX '' and was reversed three weeks later. 
Bank of America is still sending monthly statement with extra charges on interest adding on. XXXX XXXX XXXX do not owe Bank of America any monies. XXXX XXXX CREDIT CARD ACCOUNT WITH BANK OF AMERICA WAS CLOSED MANY MONTHS AGO!!!!!!! 
Bank of America should reverse back the debit on XXXX XXXX credit card account back to XXXX XXXX Bank account wherein the payment was reversed. 
This had been an ongoing dispute XXXX XXXX have been complaining on this fraud with Bank of America. 
Bank of America had been asked to remove charges on XXXX XXXX billing and it seems it was not done and Bank of America refused to acknowledge her complaint. 
All sorts of complaint had been filed with Federal Trade Commission, CFPB, California Depart of Justice, Federal Bureau of Investigation. 
Again, XXXX XXXX XXXX do not owe Bank of America any monies. 
The gifts cards were all consumed by the thieves per XXXX 's security department. 
Bank of America should have discontinue the billing process that this isa fraud case in dispute and in the process of investigation. 
XXXX XXXX XXXX do not owe Bank of America any monies.
Product: Credit card

I have a XXXX Citibank Visa card that keeps getting rejected. My account is now blocked and I ca n't view my on-line statement. So I called up Citibank to cancel my card, and they informed me that I 'd need to wait of awhile ( " they are experiencing long wait times '' ) to get my account cancelled. This seems unreasonable, since I feel that I should be able to cancel my card without having to wait a long time ( last time I needed to wait 12 mins, and the time before was 20 mins before I eventually gave up ). Anything less seems like fraud. I asked the representative to provide me the name of the regulator of Citibank Credit Cards - she could not. I asked to be referred to a manager, and was referred to a " senior account supervisor '' who also could not provide me with the name of their regulator. And he said he did n't really understand the question. So I did a 5 second search on-line, came up with the name of the CFPB, and informed him that I had the information I required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a preapproved offer through XXXX XXXX for a XXXX unsecured personal loan at just over 23 % through One Main Financial. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of One Main and was told I could write a dispute but it would not change anything .
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, - : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.
Product: Money transfer, virtual currency, or money service

I sale XXXX XXXX, XXXX, XXXX, and etc. I use XXXX to connect with a plethora of customers. The money goes to Paypal and they hold the cash which I understand because of the customer. I have been using XXXX for sometime now and Paypal. However, Paypal has put a 180 Day hold on my funds. They first limited my account and asked for proof of business. I gave them the sales information from XXXX and even gave receipts of me sending the items to each customer with the USPS. However, they banned my account still. I contacted them numerous amounts of times, but to no avail. I finally got in touch with someone through Paypal on XXXX and they said there was nothing they could do to fix the my issue. 
XXXX XXXX XXXX " Wave Runner '' on Saturday, XX/XX/2021 for XXXX, The item was delivered to the customer on XX/XX/2021 XXXX XXXX XXXX Off-White " Sail '' on Monday, XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX XXXX " XXXX XXXX Cactus XXXX '' on Wednesday XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX " Alphaedge '' on Saturday, XX/XX/2021 for XXXX I still had these shoes up on auction and someone bought them, but because my account was banned the money went straight to Paypal. I contacted XXXX about my situation and they told me to refund the buyer in which I did, but I could not do that with the other buyers because they already received there items. My linked email for Paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX inquires on my credit report that are not mine : XXXX XXXX XXXX  XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 2023 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX
Product: Debt collection

My car was broke into and my purse stolen, my credit cards were used in several charges, all was fixed except this one. I was not aware of it until it hit collections and I tried to refinance my house. I sent them the police report, i thought it was removed but apparently they just keep selling it to other companies
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for Experian and XXXX, and XXXX for XXXX, as well as several errors in dates and comments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an XXXX account, as reported to the major credit reporting agencies ( including but not limited to : Experian, XXXX, XXXX, and XXXX ). 

The payment history provided by the credit reporting agencies shows XXXX repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, XXXX 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute. 

XXXX acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While XXXX claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of XXXX, Experian, XXXX, XXXX, XXXX, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Product: Mortgage

Got my statement today, and was shocked by the shortage of funds supposed to be applied to my principal balance. You take my XXXX balance, they should have applied between {$270.00} to {$280.00} dollars every month at this stage of the loan. Subtract the 2 balances between XX/XX/2020 and my XX/XX/2020 statement of today, you end up with a {$60.00} dollar reduction a month for my last 3 payments of principal balance. All payments to them and ANY creditor has never been late, and why my credit score is in the 800 's. 
I have filed complaint to CFPB 3 times in the past, and today after 1 1/2 hours on the phone , XXXX admitted a new fact to us, that LoanCare made another error in applying my funds, and this time it goes back to XXXX of last year and only part of a check was applied wrong according to XXXX from Management she says.

CFPB has 3 complaints from me, and today is a new one and my principal balance is short better than {$650.00} dollars! 
CFPB has already taken action towards LoanCare in Virginia, and I think CFPB should take action once again, you have misapplied funds another time with just my account and of course it is my principal balance is cheated, LoanCare lied to CFPB about late payments, did not respond to the contents of my prior complaints, but dropped, you have state and federal laws broken. 
I am filing yet another complaint by an out of control company being allowed to do exactly that. I will see what CFPB does this time, and will pass on the information as instructed by CFPB employees to various people in Washington. 
Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called Monterrey Financial to find out why they were reporting the incorrect balance to my credit companies and the gentlemen explained that they report the actual balance with the interest and not what the actual payoff amount would be, we had a little argument about a {$85.00} fee that was to be waived and was never waived, I ended up telling the " account manager '' that I will just payoff my account and be done with them, we set up everything he confirmed payment will be taken on XX/XX/XXXX. On XX/XX/XXXX I get notification from my bank that a transaction was denied for Monterrey Financial. I  immediately called my bank and they explained that they denied it thinking it was fraudulent activity and they needed me to call and verify, they fixed the issue on their end so that Monterrey Financial could take the payment. They advised me to call back Monterrey Financial and have them re-attempt to take the money, which I did, but the other supposedly " account manager '' that answered was talking to fast confirming everything that the only thing I understood was {$780.00} and my pay off was supposed to be {$730.00} I asked they guy where did the difference came from and he said a recovery fee. I asked him why a recovery fee if my money was on my account and my back is just doing their job of stopping fraudulent activity and they were supposed to take their money on XX/XX/XXXX & not on XX/XX/XXXX, it is not fair that I get penalized for something out of my control. The guy would not let me talk and kept over talking me and only thing I kept on hearing that I authorize a payment of {$760.00} and I am trying to stop the guy to tell him I am not authorizing a {$760.00} payment and he just talking saying Ok you authorize the payment to come off your account today XX/XX/XXXX, I said one more time I am not authorizing that payment and he then said ok you authorize the payment for the XX/XX/XXXX. I ended telling the guy you are not authorized and I hanged up. I called back and asked to speak to someone above a account manager as everyone that I speak to every-time is an account manager, a lady named XXXX was nice enough to get me a leader named XXXX. XXXX called me back I explained the situation and she was very understanding and was actually able to resolve my issue and confirm to me that on XX/XX/XXXX the payoff of {$730.00} would be charged to my XXXX and she waived the fee. I want this dispute to be taken into consideration as I expect that a company providing services would not try to cheat costumers into authorizing payments without their consents and the gentleman I had the displeasure of dealing with today treat others with the same attitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the inaccurate items on my credit report with Equifax, XXXX, and XXXX no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from US Dept ED need to be removed from my credit report from all 3 bureaus due to successfully completed the XXXX XXXX. 

Please Help thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning Case number XXXX. 

I never asked if the debt was valid or not. According to the FCRA consumer law, I should have had the option to opt-out of my personal information being furnished to the consumer credit agency, and I was not given that option. According to 15 U.S.C 1681a " report containing information solely as to transactions or experiences between the consumer and the person making the report ''. So by furnishing this information you are in violation of Federal Law. I ask that you delete the Navy Federal Auto Loan account from all credit agencies. This is also adverse to me which is another violation. Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with XXXX about an account with XXXX  receivables llc. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!
Product: Student loan

On Thursday XX/XX/XXXX a notice was posted about Navients AG Settlement. According to the guidelines on the Navient XXXX settlement website, section 9 of the web pages states " Who is eligible for private loan debt cancellation? '' and in that section it states that one must : 1 ) Have taken out sub-prime loans through XXXX from schools listed on the site between XXXX and XXXX XXXX ) Have fallen behind on payments by more than XXXX months at some point before XX/XX/XXXX. The settlement ended on XX/XX/XXXX. Going off both of those guidelines, I was told that I didn't qualify due to the fact I was never in default. My accounts were opened in XXXX of XXXX and XXXX of XXXX with XXXX XXXX at the XXXX XXXX XXXX XXXX, owned by the XXXX at the time. According to my credit reports back then, I have defaulted into charge-off status in XXXX, right after the separation of XXXX XXXX and Navient XXXX and been in delinquency along the way til now, which indicates that I qualify for the private debt relief.
Product: Checking or savings account

DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENCY TODAY BECAUSE IM HAVING DELAY PROBLEM ISSUES WITH MY SIMMONS BANK ONLINE MOBILE BANK ONLINE ACCOUNT THE SIMMONS BANK DEBIT XXXX CARD ACCOUNT CUSTOMER HAD REACH OUT TO SIMMONS BANK CUSTOMER ABOUT 4 DAYS AGO ABOUT WHY THEY CLOSE MY ONLINE MOBILE SIMMONS BANK DEPOSIT ACCOUNT THE SIMMONS BANK CARD CUSTOMER HAD RECENT DEPOSIT 7 CHECKS THATS WHERE MOBILE DEPOSIT BY USING HIS ONLINE SIMMONS MOBILE APP MOBILE BANKING ONLINE ACCOUNT SIMMONS BANK CLOSE MY CHECKING ACCOUNT AFTER I RECENT MOBILE SIGN SOME CLEAR VALID CHECKS INTO MY SIMMONS MOBILE BANK CHECKING ONLINE ACCOUNT SIMMONS BANK CUSTOMER SERVICES DEPARTMENT CALL CENTER BEEN GIVING THE SIMMONS BANK CUSTOMER VERY HARDSHIP TIME WITH REOPEN HIS ONLINE MOBILE DEPOSIT ONLINE ACCOUNT SIMMONS BANK CUSTOMER HAS RECENT VISIT & BRACH BANK LOCATION WHATS SERVICES MY AREA THEY COULD HELP THE SIMMONS BANK CUSTOMER AS WELL TO REOPEN REGAIN ACCESS TO HIS SIMMONS MOBILE BANK ONLINE CHECKING ACCOUNT SIMMONS BANK CLOSE MY CHECKING ACCOUNT WITH OUT MY WRITTEN CONSENT AGREEMENT
Product: Debt collection

A fraudulent debt collector fraudulently opened a delinquent credit account under my name. I contacted XXXX directly after it appeared on my credit report as a collection, and during the conversation, XXXX noticed that I didnt even have a delinquent account, past or present, from the bank that this fraudulent credit agency reported. The account was created in thin air because there was NO past accounts from the bank reporting any unpaid amounts. And now Im the one that has to PROVE that the account never happened, YET THE FRAUDULENT collection agency NEVER had to PROVE anything to report a fictional account. Something is very WRONG with this situation, these credit agencies are supposed to be PROTECTING us from this abuse, not aiding in it and accepting it without any viable documentation of proof. Stop ALLOWING These bogus debt collectors from creating fictional accounts. It truly is pathetic. 

The name of the fraudulent debt collector is LVNV FUNDING LLC, also go by the name of Resurgent Capital Services LP, XXXX XXXX XXXX, XXXX, SC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the report furnished by XXXX, there are 4 inquiries that are fraudulent and unauthorized ( 700 CreditXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. XXXX is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.