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

I made a transfer to pay my credit card balance on the XX/XX/XXXX for {$1500.00}. 

Then on the XX/XX/XXXX, in error I made another payment to the credit card for {$1400.00}, which put my card in credit due to the over payment. 

I called the Bank of America on the XX/XX/XXXX and explained the issue, they advised due to the payment hasnt been processed I need to call back the following day. I called BOA on the XX/XX/XXXX and the man I spoke to advised that I would have the {$1400.00} transferred into my account within the next 2-4 days. I called BOA on the XX/XX/XXXX and spoke to XXXX, she advised me that the previous adviser had made an error in the processing the refund and selected an incorrect reason for the refund. This means my refund would now take 60 days due to his error. I disputed this and advised that I should not be penalized for a BOA error. She advised that she would look to resolve and get me refunded in the next 4-6 days. I spoke to XXXX again on the XX/XX/XXXX and she advised that she is unable to correct the previous member of staff error and that the issue is going to be delayed further and I will have to wait 60 days from today 's date. BOA are very unhelpful and not willing to resolve an error they have created. I should not be made to wait such a long period of time for money they owe me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I have a complaint filed against me by a debt buyer named Velocity Investments LLC in the district court of XXXX XXXX Washington State under case no XXXX. This complaint was filed against me without any prior written notice of the stated alleged debt or default. According to the FDCPA, I am entitled to a written notice of any alleged debt or default I might owe and that i am entitled to demand verification of such debt. In addition, my name has been smeared in the public eye for being accused of allegedly owing a debt i completely deny, causing much embarrassment and indignation. I request that cfpb investigate Velocity Investments , LLC to see if in fact they have fallowed consumer protection laws and if they truly are who they say they are as stated in the complaint they filed against me. 

Sincerely, XXXX XXXX
Product: Mortgage

Loan number XXXX Pacific financial union think in XXXX XXXX I called them they told me to send XXXX I sent XXXX they said not enough sent check back every month after I sent the XXXX plus XXXX .my house payment is about XXXX a month .every month they send back saying not enough .I need help need to get away from them they did this last year to so fustruting. Help please I do n't wan na lose my house .XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX XXXX is listed as having a balance of {$450.00} on my credit reports. I disputed with them on XX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XX/XX/21 I have been trying to remove some reports that have been intrusive to my privacy concerning the Bankruptcy Case Number : XXXX, and Case Number : XXXX. I sent a dispute out to XXXX, XXXX, and Transunion several times and filled a complaint to get these inaccurate items off my credit report that is a violation to the LAW. I am sad, and my family is being affected due to denial of credit, not being able to get a mortgage or even move into an apartment during this unprecedented time were in. It's stressful and scary all at the same time, and I don't know much else to do. The reinvestigation that has taken place has not been fair or accurate to my liking. So I have been doing some research. According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated time and time again. XXXX, XXXX, and Transunion refuse to remove these negative items from my credit report and obey the law. I would file for litigation but I have to wait until I get some extra funds. Also, according to 15 U.S.C 1681 ( h ) this has been another violation of invasion of privacy because I never gave the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported, and now I'm being frowned upon when it comes to getting a loan from the bank. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. I have been going back and forth with them since XX/XX/21 and it is now overbearing. It has brought major emotional distress to me and my family.
Product: Credit reporting or other personal consumer reports

This has been ongoing since XX/XX/2023. I requested/demanding proof and challenged the legality of the collections and inquiries in question. They failed to provide adequate proof within 30 days, The credit bureaus must remove those negative items from your credit report. the account appears to be re-aging. 
XXXX did as you see below. XXXX Experian has not. 

on XX/XX/2023 I requested the XXXX XXXX, Experian and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. XXXX nor Experian has not deleted these incorrect items on my credit report file.
Product: Credit card or prepaid card

I have two disputes for charges with a company called XXXX, a XXXX based company. 

On XX/XX/22, I made a payment of {$200.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$200.00}, a difference of {$4.00}. 

On XX/XX/22, I made a payment of {$76.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$78.00}, a difference of {$1.00}. 

XXXX 's third party agency that handles their credit card disputes through XXXX, never contacted me about the investigations and never sent any letters with their decision or findings. When I contacted Alliant 's Credit Card department on XX/XX/22, I was told that they contacted Visa and XXXX said these overcharges included foreign transaction fees accessed by Visa. 

If that is true, then why was this fee included within the total of the purchase, when they are always separate fees with a description of " foreign transaction fee ''. I have never had a foreign transaction fee charged within the purchase fee with this credit card. The Alliant Credit Card rep confirmed that foreign fees are always a separate charge and said she could not explain why I was charged this fee within my purchase price. 

I need proof in writing other than " XXXX said so '' to show that these fees are legit and were charged correctly. I was told that XXXX can take my money and pretty much do what they want to do with it by the bank XXXX And that Visa can report these fees in whatever way they choose, even if its not clear or in writing to the consumer. 

If these charges are legit, I need something in writing proving this.
Product: Credit reporting or other personal consumer reports

Up reviewing my consumer credit report I discovered some late payments on my accounts which I have always maintained timely payments. Consumer reporting agencies play a major role in reporting accurately consumer information. According with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 
U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. I demand that these payments be updated to reflect their true status as paid on time.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which is causing unknown and inaccurate accounts to appear on my credit report. These accounts are not mine, and I demand their immediate deletion. I have previously provided you with information and documentation regarding these fraudulent accounts to support my claim. Despite this, the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

All three credit agencies are misusing my credit report without my written consent and are reporting inaccurate information on my credit report. I have sent notified letter demanding deletion of incorrect and invalid information on my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update Transunion and XXXX  to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.
Product: Credit card or prepaid card

My credit card with XXXX XXXX XXXX XXXX has been closed by Equifax which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice of intend was send to Equifax after no response to my dispute letters.
Product: Mortgage

I been approved for 6 months mortgage payment with HAF Home Assistance Fund in Florida, last month XXXX  apply the firt payment after I submitted a complaint, but now they tranfer my loan to a new company call Newrez Shellpoint... I call HAF, the money for the second month is been send but Newrez claim they don't have it, thet haven't apply the second month payment in my account.
Product: Credit card

Approved for Citi card XX/XX/XXXX Received email XX/XX/XXXX saying card was on the way and would arrive my XX/XX/XXXX On XX/XX/XXXX I received an email saying a replacement card was ordered and wouldnt arrive until XX/XX/XXXX I called Citi and they said someone changed my address, which I did not do Transferred to fraud department because what happened to the first card and why/how was my address changed and why did they send a replacement that I did not order Eventually they closed my account and made a new one. Not happy with Citi. They did not answer how this happened nor did they offer any assistance in making it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
Product: Debt collection

Hello Consumer Financial Protection Bureau The credit bureaus, XXXX and Equifax, have been updating the last date of activity on the account and this is a violation and fraud. Can you please investigate this matter? 

Thank You
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on y credit report and found several items there to be inaccurate information. Under 15.US Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been changed or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately 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 or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquires on my credit report with Transunion and XXXX  for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XXXX2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of change and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with in balance despite initially available funds. I believe these practices are unfair and request investigation into my account.
Product: Money transfer, virtual currency, or money service

This money transfer transaction was done on Paypal. The person who I was initially in contact with ( XXXX XXXX XXXX who claimed to be a pharmacist gave me the email address of the person who was to provide a product which I never received ( XXXX XXXX ). The person named XXXX XXXX had a channel on XXXX called XXXX XXXX XXXX. I have been blocked and banned from this channel and the channel is now under a different name other than XXXX XXXX. He was offering meds for low prices. Apparently HE is the scammer named XXXX XXXX who scammed me out of {$350.00}. I tried to appeal this through PayPal, but they ruled in his favor even though I told them he was a scammer. I had to send the money through Paypal 's friends and family feature, which is how he gets away with this. I am closing my Paypal account after having it for 21 years. I am sick of them allowing these people to do this and always ruling in their favor. This is not the first time this person has done this. I have seen other complaints about this person on other XXXX channels, so I am sure that Paypal has been hit with numerous claims, none of which are being resolved satisfactorily. The XXXX channel is gone along with all of the correspondence I had with this XXXX XXXX XXXX. There is nothing that I can send to defend myself against this scam. I can see the email address on the Paypal resolutions statement, but that is NOT the same as where the money was sent. I don't have the original email address, but Paypal should even though the one they are showing for this person is not the same as the one where the money was sent. This is a scam and this person needs to be stopped.
Product: Credit card

Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was closed.
Product: Debt collection

Re : Fraudulent Accounts Under Investigation for Identity Theft Account Number XXXX Account Number XXXX To Whom It May Concern, I am writing to inform you that the accounts listed under Fair Collections and Outsourcing ( Account Number XXXX ) and XXXX XXXX XXXX XXXX Account Number XXXX ) are currently under investigation for identity theft and inaccurate reporting. These accounts have been fraudulently opened in my name and have been reported inaccurately on my credit file to XXXX, XXXX, and XXXX. 

As these accounts are not mine, I have initiated an identity theft report in compliance with federal regulations, and I dispute any and all claims associated with these debts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have accurate and verifiable information reported on my credit profile. No verifiable documentation linking me to these debts has been provided, nor has any original account information with signatures or agreements been made available. 

Further, I invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and Maryland state law ( 14-202 of the Maryland Commercial Law Code ), both of which prohibit the attempt to collect a debt without proper validation or through deceptive practices. It is unlawful to pursue collection or report this debt when it is the result of identity theft and can not be validated with direct, original information. 

Therefore, I request the following actions immediately : Place both accounts under investigation as part of the identity theft report and cease all collection efforts until this matter is resolved. 
Remove the inaccurate reports of these accounts from my credit files with XXXX, XXXX, and XXXX. 
Provide written confirmation of the investigation and eventual removal of the fraudulent information from all credit bureaus. 
Failure to correct these inaccuracies will leave me no choice but to pursue legal action under the FCRA, FDCPA, and applicable Maryland state laws to enforce my rights and seek remedies, including damages for improper reporting and legal fees. 

I expect your prompt response within 30 days of receiving this letter, as required by law. I also request that the credit bureaus be informed of this dispute and investigation immediately.