23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I initiated a balance transfer as part of a no fee, 0 % apr promo from my XXXX account to another account with a different financial institution. Unfortunately, XXXX made a critical error by inputting the wrong recipient account number during the transfer. I provided the correct recipient account number at the time of the request. 

As a result of XXXX 's error, the funds, totaling {$2900.00}, were deposited into the incorrect recipient account. I immediately contacted XXXX to report the mistake and provided them with the correct recipient account number. They assured me that they would open an investigation to resolve the issue promptly. 

Despite their assurance, it has been more than a month, and there has been no resolution to this matter. Meanwhile, XXXX continues to hold my XXXX XXXX, causing me financial hardship and inconvenience. I have reached out to BPPR multiple times seeking updates on the investigation, but I have received no concrete information about when this issue will be resolved and my funds returned.
Product: Credit card or prepaid card

I purchased {$5100.00} worth of furniture from Ashley Furniture in XXXX XXXX, Maryland in XX/XX/2022. I was given a 24 month, no interest deal if I applied for a Synchrony store card. I did and was approved for the deal. The furniture arrived in XXXX. My first credit card bill was due in XXXX. At that point I noticed an interest rate of XXXX XXXX!! I called Synchrony and they said they'd investigate. I called the XXXX store the same day. The XXXX people confirmed the deal and that it had been transmitted to Synchrony properly. I thought we were in the clear until two weeks later when I received a letter saying Synchrony would not honor the promotion. I called Synchrony again, very upset. A customer service rep named XXXX was very rude, and moreso dismissive. She told me there was nothing she could do and that the promotion would not be applied. I informed her that this was a clear bait and switch. She spoke with a manager who also said they would not be rectifying the situation before hanging up on me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX bank I do not have a contract with portfolio recovery associates, they did not provide me with an original contract that I requested.
Product: Debt collection

Portfolio Recovery ( PR ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 6 months. PR began steadily calling my home from XX/XX/2018. They have been calling using 26 different phone numbers from all across the USA. Their calls disconnect when my answering machine turns on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX   recommendation ). When a specific PR phone number is blocked, they resume calling with a new phone number from a different state. My wife and I have been the only residents here for the past 10 years. We do not have nor had any debt. I have complained to XXXX regarding this harassment. XXXX contacted Portfolio Recovery on XX/XX/2018 at XXXX regarding the abusive calling. Portfolio Recovery would not provide XXXX with any information. I am registered on the do not call list and have filed multiple complaints about PR on the FTC web site. I was advised the contact your agency. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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
Product: Debt collection

Hello, I am requesting help with an old collection being removed from a previous vehicle that was totaled out. This incident happened in XX/XX/XXXX while I was out of town for a family member 's funeral. My vehicle was used for activities that I was not aware of. In the midst of these activities of a house party, my vehicle was crashed into a tree. I was also going through an eviction at the time which was a heavy burden as well. I reached out to CNAC whom is the finance company of J.D Byrider and explained the situation. Upon the photos I sent to them, an insurance claim was filed and the vehicle was written off as a loss. After the vehicle was written off I was still required to pay for a vehicle that I no longer have. This has been on my credit report for 6 years and has been restricting my credit score to flourish the way I need it to. I have been in contact with the manager at J.D Byrider and have set up payment agreements/settlement offers. But as life has been bringing other challenges my way. I have not been able to make settlement payments. I would like a dispute to be made so that this vehicle is no longer on my credit report. My current situation still does not allow me to pay on a previous vehicle. I am currently looking for a new home for me and my husband. And I am covering for expenses that my husband is not capable of handling at this time. I am also paying for another vehicle at this time that I leased in XXXX of XXXX. The insurance claim sent to CNAC was for a total of XXXX. The remainder balance on my credit report is {$4700.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report which includes several inquiries that I did not authorize and the credit bureaus should not have released my report to these companies and doing so without my permission is a violation of my rights. 

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 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
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I previously notified Wells Fargo that they were processing fraudulent transactions which attempted to debit my company 's checking account on complaint XXXX. These transactions appear to be coming from their credit card division which appears to have insufficient controls and/or is not following industry best practices to prevent fraud. 
The result of that complaint was Wells Fargo told me that there was nothing they could do to stop fraud routed through their credit card division. Since that date, 3 additional transactions have attempted to debit my account. I'll attach a file of the amount, the date of the transaction, the ACH trace number, and the included ACH payer id of Wells.
Product: Debt collection

I have a debt on my XXXX XXXX the original creditor is XXXX XXXX XXXX Now its Oac from XX/XX/2017 the amount is {$280.00} its 2 years and 4 months old
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Debt collection

I graduated from the school XX/XX/year> but my last semester there I had a balance of {$640.00} remaining after graduation. I had autopay set up which stopped once the school went thru a court case that dismissed all loans. I never received any paper work but recently started receiving calls and notifications that the balance owed now is {$7800.00}. I ask about balance and just was advised it is owed but never received and documents. I disputed the account through credit bureaus but never received anything validating the debt. I recently reach out to the college which denying everything and referred me to call a collection agency to verify what is being collected. The collection agency advised they had no information to provide and I would need to contact another agency since they do not have the debt in their office. I have not received any response or been able to speak to anyone from that agency regarding this debt. The debt is only showing {$780.00} on account owed not the {$78000.00} they are requesting. I submitted a screenshot but have loan documents
Product: Credit reporting or other personal consumer reports

I DON'T HAVE A VALID SOCIAL SECURITY NUMBER AND ALL MY LOANS A CREDIT THAT I HAVE IS WITH MY ITIN I AM TRYING TO GET A MORTGAGE LOAN TO BUY A HOUSE AND THE BACK IS TELLING ME THAT THEY CAN'T SEE MY INFORMATION ON THE XXXX CREDIT BUT THEY CAN SEE IT ON XXXX
Product: Debt collection

I am writing to file a formal complaint against [ LVNV FUNDING LLC ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ LVNV FUNDING LLC ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ LVNV FUNDING LLC ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ LVNV FUNDING LLC ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ LVNV FUNDING LLC ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ LVNV FUNDING LLC ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ LVNV FUNDING LLC ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ LVNV FUNDING LLC ] 's actions and take appropriate enforcement action. I request that [ LVNV FUNDING LLC ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credit, I was unfairly charged overdraft fees. 
This issue appears to be consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, were transactions settle with insufficient balances despite initially having adequate funds. I believe this practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
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 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$21000.00}
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n 
( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

What a horrible bank experience I applied for XXXX credit cards bilt and another one and they approved me for my bilt sent it to me by mail and then their fraud dept calls me telling me they are restricting my account because they made a mistake to approve me after sending me my card this makes no sense what bank does this and tells the customer this I cant use XXXX XXXXXXXX XXXX  after I was approved this isnt fair they want me to visit a branch to show Id Ive never been treated like this and my fraud alert I have on mt credit report was verified before approving my credit card application the fraud rep did not let me even let me speak said XXXX account was restricted until I completed verification but I already did they send me a text with a passcode before approving me for {$2500.00} this makes no sense how they cant see that and can get away with this such a frustrating experience
Product: Money transfer, virtual currency, or money service

Can not contact XXXX company to dispute the fees being charged to my account, I have tried several times to contact over the phone and get no were, they keep going thru the menu and then hang up.They are taking between 8 to 10 % fees from my account that is linked to XXXX, the fees are supposed to be 2.9 % plus {$.00}. 
I been frustrated trying to contact with no avail, to have them correct this issue and charge the appropriate fee. 
I hope you can get this straightened out. 
Thank you
Product: Checking or savings account

I filed a dispute with the bank, and {$4200.00} has been taken out of my account through XXXX. South State Bank made the investigation, but refuse to give me a provisional credit for what has happened. They also closed my account.