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

I purchased coins from merchant. The coins that were delivered were not what I ordered. 
I returned the coins to merchant. Merchant did not refund or reship the correct coins. I attempted to resolve this with merchant several times. Merchant did not respond. I filed a dispute with Capital One. I sent to them proof that I returned the coins, ( tracking number ), and I sent pictures of the coins that I received. XXXX finally refunded back to my card, see attached receipt received from merchant. Despite several letters to Capital One they have refused to credit my account. Even going so far as to claim that I did not file the dispute in a timely manner, this is not true, see attached letter from Capital One dated XX/XX/2023 acknowledging the dispute. Merchant has issued the refund, yet Capital One has failed to refund back to my card. I don't have the coins and I don't have the money.
Product: Checking or savings account

informed of a business opportunity that involved spending money to make money provided my debit card info and pin to go about the methods. with that information i provided they were able to forge a fraudulent check into my bank acct. not really knowing whats going on i kept getting told to do XXXX XXXX and XXXX orders and while doing so i had checked my acct info and at the same time money orders were being processed. i eventually blocked my acct and informed my bank as soon as i understood what was going on but it was too late. money orders XXXX and XXXX XXXX went through. and my bank says i owe XXXX do to giving access to my acct. TD bank will not provide documentation. and informed they will not be conducting any business with me and wont return my regular direct deposit check.
Product: Credit reporting or other personal consumer reports

I received a letter from LexisNexis regarding my complaint for the Bankruptcy on my credit saying " In an effort to resolve the consumers concerns, LexisNexis initiated a dispute of bankruptcy record case number XXXX on the consumers behalf. During our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. '' I am submitting this complaint to tell you that the bankruptcy record with a case number XXXX is not mine. I need to be remove ASAP! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and signed and notarize Truth and Facts affidavit which both attached. Please Block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 6. Identity Theft XXXX This is not mine. I am a victim of ID Theft and I have includThis is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 8. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. XXXX. Identity Theft XXXX XXXX  Account Number : This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting or other personal consumer reports

Wrong information reported on my credit accounts accounts have been on there too long over seven years almost 10 years I tried to dispute it. Theyre letting them refresh my charge offs and making matters much worse. They have turned one of my charge jobs until revolving account and collections when its the charge off.
Product: Mortgage

I am a veteran but I am currently an XXXX XXXX dependent XXXX with my wife in XXXX, XXXX. I bought a condo in XXXX, XXXX in XX/XX/XXXX. XX/XX/XXXX was the recession and the drop in housing. I left my job there in XX/XX/XXXX and moved to XXXX for a different job. I was renting out the property without issue until I lost my job in XXXX. My loan is with Select Portfolio Servicing. It 's an XXXX loan and I believe the XXXX % belongs to XXXX XXXX. With losing my job, I could n't pay the mortgage. I tried and tried for a short sale but was denied at every turn. I did n't feel like it was ever a possibility. I subsequently had to file for bankruptcy in XX/XX/XXXX. They kept coming after me for the money even after the bankruptcy went through. Because I could n't really help myself in the states and had no one close to the property, I retained a lawyer about a year ago to handle figuring out when/if the place was ever foreclosed on. The lawyers have been doing a decent job keeping me posted but I feel like the mortgage company is dragging their feet on purpose. I believe the property is currently going through a sheriff sale but I have no idea. I ask the attorneys, they say it 's not on the list, and it has n't happened yet, and they 'll get back to me. I believe the problem is with the mortgage company or the state. All I want is some transparency. I want to know why I was n't helped with a short sale. I want to know why I was n't really helped with this situation at all. 

Also, this entire time, I have accruing association fees at $ XXXX/mo. because my condo was a part of an " association ''. This happens even if I 've declared bankruptcy and could not pay. How in the world is this fair? The property belonged to the state of XXXX ( where I declared bankruptcy ) since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer with Freedom Debt Relief ( FDR ) from XXXX XXXX XXXX, XXXX. My payment to them for the 18 months I was a customer was {$280.00} per month. I made 2 additional payments of {$300.00} in XX/XX/XXXX and {$1600.00} in XX/XX/XXXX. FDR also collected monthly fees from me each month in the amount of {$21.00}. The total funds they collected from me in the amount of time I was a customer was {$6800.00}. 

My complaint is that out of all the deposits I made, totaling {$6800.00}, FDR only paid {$550.00} towards my credit cards. A total of 2 settlements were made on my behalf yet they charged me for 6 settlements. One of those 6 settlements was debited to my account on XX/XX/XXXX, AFTER I was no longer even a customer. 

I was told when I signed up for services if I paid any monies in addition to deposit of {$280.00} per month, that my credit card debt would be paid down faster thus expediting my graduation date. This did not happen. All the extra deposits I made into my FDR account was absorbed by FDR for settlement fees. 

Also, statements indicate a payment towards XXXX XXXX of {$270.00} for 7 months, but this does not reflect anywhere on my FDR Dashboard online. I attempted to print information from my FDR Dashboard but settings for the FDR website prevented me from doing so. I was able to screenshot this information, however and will attach with my other documentation of evidence. The dashboard information indicates only 1 payment was made towards my XXXX card of {$540.00} and 7 payments were made towards my XXXX XXXX card of $ XXXX says nothing about the other payments which are listed in my statements. 

In XXXX or XXXX of XXXX, when I spoke with a representative on the phone about making an extra payment to get my debt paid down so I could clear up my credit faster, he explained to me that the extra funds would be placed into my account and eventually put towards my credit card debt. Not one time did he reveal to me that if I put an extra {$1600.00} the TOTAL amount would be used as FEES to pay FDR themselves. If I was told this information I would have used this money to pay bills and not given it to FDR. I'm sure the call was probably recordedplease refer to this phone call. 

In early XXXX when I fired FDR, the company made to attempts to SEEMINGLY want to speak to me to resolve this matter, however when I went to respond to their 2 emails ( one to my personal email and one to my XXXX account ), I did not get a response and I was blocked from responding on XXXX. At the end of XXXX, I sent a certified letter to the company asking them to work with me to resolve this matter and again, no response.
Product: Credit reporting or other personal consumer reports

I have written the Credit Bureaus Before twice, It seems Someone opened up several XXXX Credit Card Accounts in my name all on the same day. XXXX XXXX had XXXX credit card accounts alone. After taking me to court XXXX XXXX ended up Dismissing the case ( XXXX XXXX. : XXXX ), and the same goes with these other business credit card accounts. They are not legit and not mine as described and proven to XXXX XXXX and all others I have written to. I have attached my case no that was dismissed.. The Credit Bureaus always say these accounts are validated even though the companies have Dismissed the suits in court knowing they are not mine. Please have these accounts deleted from my credit report for they are hurting me from obtaining credit and ruining my life. 
Wrong Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached my dismissed lawsuit and my proof of identity. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed 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 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 reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. This item is inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 

Please conduct another investigation on these matters and delete the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX CARD XXXX
Product: Money transfer, virtual currency, or money service

I am writing to lodge a formal complaint against Navy Federal Credit Union regarding unauthorized electronic fund transfers from my account, which I believe falls under the protections provided by the Electronic Fund Transfer Act ( EFTA ). Despite my timely reporting of the unauthorized transactions, Navy Federal has not adhered to the EFTA 's stipulation that limits my liability to no more than {$50.00}. 

In XX/XX/2024, I noticed several unauthorized transactions totaling {$3400.00} from my account with Navy Federal Credit Union. I did not authorize these transactions, nor did I share my account details or PIN with anyone. I reported these unauthorized transactions to Navy Federal within two days of noticing them, expecting to be protected under the EFTA.

After reporting the unauthorized transactions, I received communication from Navy Federal stating that their investigation was complete and that I would be liable for the full amount of the unauthorized transactions, contrary to the protections afforded to me under the EFTA. Specifically, the EFTA states that if the financial institution is notified within two business days after the consumer learns of the loss or theft, the consumer 's liability is no more than {$50.00}.

I have attempted to resolve this issue directly with Navy Federal Credit Union by [ list any actions you've taken : calls, emails, visiting a branch, etc. ], but to no avail. Their stance remains unchanged, and they have not provided a satisfactory explanation as to why the EFTA 's liability limit does not apply in my case. 

I am seeking the CFPB 's assistance in this matter for the following resolutions : A reevaluation of my case in accordance with the EFTA, specifically regarding the limitation of consumer liability to no more than {$50.00} for unauthorized electronic fund transfers reported within two business days.

A full refund of the amounts charged over the {$50.00} liability limit as stipulated by the EFTA.

An explanation from Navy Federal Credit Union on their findings and rationale for their initial decision, along with corrective action to ensure compliance with federal regulations.

Your intervention is crucial to rectify this situation and to uphold the consumer protections guaranteed by the EFTA. I look forward to your prompt response and resolution of this matter.
Product: Credit card or prepaid card

I recently paid the minimum due payment on a XXXX XXXX credit card ( not just a store card but instead it can be used for any purpose ) and I made this payment before the deadline. I have had this credit card for many years and I have paid at least the minimum amount due by the deadline almost XXXX  % of the time over the years. On the rare occasion when a payment was late I contacted the company and soon made my overdue payment and any late fee that was charged. For this most recent payment my balance was just {$2.00} over my limit. Once I made my payment on time my balance was once again below the limit allowed, but in spite of this I just received an email from the company that they are charging me a late fee of over {$300.00} and my minimum payment due has also gone up by over {$300.00}! I called customer service and just got the run-around from the woman I was talking to in which she explained why I was being charged this outrageous amount. After I send you this form I am typing a letter and mailing it to the post office box for disputes about XXXX XXXX XXXX.
Product: Credit card

I have a credit Card from Citi Bank. I accidently failed to make one payment of XXXX dollars. 
The next day they started calling me all day long. They made threats and harassed me all day. I asked them to stop and they reminded me about accounts from thirty and twenty years ago. There was XXXX account from twenty years ago, this account was discharged in a bankruptcy twenty years ago. They still wanted me to pay on a discharged account. When I spoke to them they were abusive and nasty. They are the worst Credit card company I have ever been so badly abused by. Please listen to me and do n't do Business with them
Product: Debt collection

( EASTERN ACCOUNT SYSTEM ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) has been sending me collection notices in the amount of ( {$98.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment 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. 


EQUIFAX XXXX XXXX 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to TransUnion disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX XXXX states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Transunion 's last response on XX/XX/2021 verified all information being reported was accurate and correct XXXX XXXX attached document XXXX XXXX reporting is a FCRA violation. 

Also they are reporting a recent missed payment from this account and that is also inaccurate and dropped my credit rating XXXX points! I am in a financial bind because of the pandemic and my bank declined me a credit line increase due to recent payment history from TransUnion XXXX XXXX attached document ). This inaccurate reporting has been causing me tremendous stress! XXXX not reporting a recent missed payment like TransUnion. XXXX XXXX attached documents ) I have 100 % on time payments! TransUnion has failed to complete a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Product: Credit reporting or other personal consumer reports

Prior to writing this complaint I have tried to contact Experian to get my log in information and was unable to get through to a representative the automated system state that they only can transfer callers in limited circumstances this is causing not to be able reset my password to get into my credit profile for awhile now I have not been able to see my credit report and what is being reported I need this resolved as quickly has possible as it it stopping me from building and correcting my credit profile.
Product: Credit reporting or other personal consumer reports

Improper use of credit report, unauthorized inquiries on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps re-aging these two accounts on my credit report and every time they keep re-aging these charged off accounts it drops my score. They are doing it on purpose to drop it which is causing me harm and emotional stress and is against the Fair Credit Report Act. Here is the company below along with orginal creditor info and the two accounts. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX {$1100.00} PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX XXXX XXXX  {$1000.00}