23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I identified a billing error in the amount of {$10000.00} on this account and promptly sent a formal dispute letter to XXXX via certified mail. I have documentation confirming the delivery of this notice. According to the Truth in Lending Act ( TILA ), XXXX was required to acknowledge my dispute and cease reporting the disputed amount to credit bureaus while conducting their investigation. However, they have failed to comply with these requirements. Specifically : 1. XXXX has not acknowledged my dispute. 
2. They continue to report the disputed amount to credit bureaus. 

These actions are in direct violation of TILA regulations.
Product: Checking or savings account

I had an account with Navy Federal Credit Union, account ending in # XXXX. 
I used the card as credit option, therefore I should've had the protection as if visa/Mastercard promises coverage. On XX/XX/XXXX, I made a very large purchase for over {$4000.00}. I never received delivery. I contacted & filed paperwork with your union numerous times to no avail. This is also after I tried to reach resolution with the company directly. I have NEVER received any communication or follow up from Navy Federal. Ridiculous! This is why I no longer actively use this union. Follow through & return my money! It is XXXX XXXX  for the exact amount of {$4400.00}. I have tried to be patient due to distance, COVID-19, etc ... but enough is enough. My next step is to also file a complaint against the union. See attachment of receipt showing payment in full. Invoice # XXXX, order # XXXX. The actual purchase was made on XX/XX/XXXX & delivery scheduled for XX/XX/XXXX. Delivery never happened. I contacted the company, the warranty company which charged {$190.00} for coverage, the XXXX XXXX XXXX & filed claims on multiple occasions totaling 23 times beginning the first week of XXXX. I have not received any resolve from anyone & only received " there is nothing I can do '' on all fronts. I want my money back since it is fraud to charge for what is never received in good faith. Horrible way to treat veterans. I still have not received any help or answers from NFCU even after contacting hem yet again yesterday morning. 
Shameful. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Credit Card- reporting my account 120 days late in   XXXX   2017 when in fact it was not 120 days late. This company has inaccurately reported my account late on several occasions, after the account had been clos ed. I have made several disputes and they continue to update inaccurately on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT CONVERSION ACCOUNT NUMBER XXXX XXXX  ACCOUNT # 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. I was denied a block of information with a outline of the procedures that were taken to verify the information and complete the investigation. 
Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.
Product: Debt collection

This was paid and this same debt collector after it was removed by your own organization deleted it and then the Finl Account Sevs Team added it back to my credit report. I do not owe this bill with XXXX XXXX XXXX. You can call XXXX and ask them. FINL ACCOUNTS SVCS TEAM keeps putting it on my credit. I am considering legal advice next time it happens due to it being the second time that this company has done this to me. I have called them and they told me they would not remove it from my account. 

The amount is for {$190.00}.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account XXXX XXXX XXXX XXXX XXXX incorrectly. There are several late payments listed that is not correct and I was not late. I previously disputed this information and the consumer agencies stated it was verified as accurate. I did not receive any information to prove that they did a reasonable investigation and its on the consumer agencies to prove that it is indeed accurate. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since these consumer agencies are reporting this account different ways they could not have done an investigation because none of the information matches up to the other and they provided me with no proof. I have initiated arbitration since the information has not been update to paid as agreed as instructed. 

( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

This is in regards to a loan that has since received a default judgment against my husband and myself. The loan was originally for {$42000.00}, signed in XXXX. The debt was paid down to below {$30000.00} when this was sent to court and now has accumulated to over {$57000.00}. We lost our business in XXXX, where shortly after my husband moved to XXXX to work. Shortly thereafter, we separated and I moved to XXXX  to help take care of a grandmother who was in the late stages of XXXX XXXX. She died in late XXXX and I moved back to XXXX in XXXX. Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from Associated Bank to an attorney who filed a judgment against us in XX/XX/XXXX. They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time. Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to XXXX XXXX XXXX in XX/XX/XXXX. We were NEVER sent any paperwork on this account when it was sent to either collection agency! The only time I knew about XXXX XXXX XXXX handling this case was when they stated garnishment proceedings on my husband inXX/XX/XXXX. I did not know then that we could send a verification letter to these companies to verify the debt with them and now XXXX XXXX XXXX  says that I am entitled to a verifaction letter as it is past the 30 days notification! How can that be when they never sent a letter to us regarding this debt?!!! I have sent all information to the judge handling the case as well but nothing has been done. This is not right and I would like something looked into regarding this. I should be entitled to a verification of the debt from XXXX as well as XXXX, yet neither one will give this information!!!! XXXX XXXX XXXX continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!
Product: Mortgage

I've had mortgage with Wells Fargo for many years. Pay every month about 7-10 days early. Between XX/XX/XXXX and XX/XX/XXXX I paid {$3000.00} every month. In XXXX i received a call from Wells Fargo that my monthly payment was incorrect. After long discussion I agreed to pay additional {$750.00} to bring account current and to pay $ XXXX henceforth. On XX/XX/XXXX i received a letter from XXXX that my mortgage is in default and recommending that i take steps immediately. After long discussion I finally discovered that in XX/XX/XXXX the bank got my payment as usual but because the amount was less than they wanted they had NOT Paid MY Mortgage.Instead they had applied the entire payment to principal. They never told me. They have been reporting me to credit agencies, they threaten to forclose, claiming that I failed to pay when in fact I have never missed a payment or even paid late. They did it to me and they did not even tell me. Why didn't they call me? They had two numbers on file, one of which has been out of service for 20 years. They never called to other one. I note that the young man I spoke to in XXXX was able to reach me by phone.Why not a letter? Why would they do this to me? The computer did it. Why cant they go back to fix it? It was too long ago. I must pay a 13th mortgage payment this year or else face foreclosure. They are cheating me. You would think you could trust a bank with your accounts but I realize now this is not true. I am XXXX years old. Maybe thats why the pursue this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with XXXX  over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the XXXX to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to XXXX   including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX XXXX XXXX : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$6600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} XXXX  Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX Balance : {$59.00} CHILD SUPPORT XXXX  Account Number : XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Item : XXXX XXXX  I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
Product: Credit card

Around XXXX/XXXX/16 I recieved a Barclay card and immediately started making purchases on the card raising my balance to about {$1300.00}. Next thing I know my credit score dropped around XXXX points, when I went to see why I found that Barclay had reported to credit agencies that I had a balance of {$1300.00} but my payment was n't due for another 3 weeks. When I contact Barclay to find out why, I was told that every purchase made is reported. I immediately paid the card off in full about 3 weeks before the due date and to this day Barclay has not removed that balance from my credit report. Barclay reports charges but not payments. The Barclay XXXX Card XXXX ruining peoples credit.
Product: Money transfer, virtual currency, or money service

My information on my BOFA account was compromised on XXXX at approximately XXXX and XXXX in the amounts of {$500.00} and {$700.00} respectively. I immediately called the Fraud department at BOFA at XXXX and was told that the transaction ( s ) had already gone through ( Via XXXX ) and I couldn't do anything about it.They told me to call back Monday morning. 

I called back Monday morning and opened a fraud claim. They told me they would put a freeze on my account and to change my online password and online name. They also told me to close my accounts. I logged in and changed all of the info. I also went to the bank the next day and closed down my old account and opened a new one and transferred everything across. 

I also changed all my direct deposit info and such. 

I then get a letter saying my claim is denied because my the money was sent from my log in. I called them back and told them I did all that they wanted me to do and why would they deny it? They said they would allow me to appeal it. 

I have been with BOFA for 25 years and have a significant amount of money in the bank with them. Has anyone experienced this? Is there anything else I can do? If they deny it again ( which I am sure they will ) then I will be forced to close my account and bank with someone else. 

Do I have any options? 

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

I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX  are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the erroneous accounts that I need you to fix and correct as soon as possible : XXXX XXXX XXXX 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 card

I was contacted by Citibank fraud department related to to some charges, complied and verified ALL charges did not not belong to me and I had no knowledge of activity.
Product: Debt collection

I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered.
Product: Checking or savings account

On XXXX XXXX XXXX I received notification from Chase that my password was changed and that my new device was validated. I did not make any changes to my account so I called Chase to see what was going on. I was told that they didn't see any notifications on there end, it may be a scam and I should email XXXX and include the screen shot. Which I did. On XXXX XXXX XXXX went to use my debit card for lunch and it was declined. I called Chase again to see what was going on. Thats when they saw all the changes that were made and I informed them that it wasn't me. At that point, I still had my funds in my account. Whoever hacked my account changed my password, my email address, mailing address and requested a new card. They took all my information, issued a secret passcode for when I call in and said they will reissue a new card and update my information. The rep was having phone issues so he told me to call back. I called back after work and requested assistance with logging in my account due to change in password and make sure everything was straight. When I logged in, that's when I noticed that all of my money was gone. The rep looked into the notes and told me he was going to reissue a new card but I told him that the prior rep did that already. He said there weren't any notes indicating the reissue of a card so he would do it. At that point I asked to speak to a supervisor. The supervisor reads all of the notes and I explained everything and said that he was going to file a claim and that everything looked good. Today, XX/XX/XXXX I received a statement saying my claim was denied. So I called back to again see what's going on and I was told the investigation found those transactions to be authorized. How could I have made those transactions when my card wasn't working? 
4 Withdrawals - $ XXXX {$410.00} 1 Withdrawal - {$400.00} 1 Withdrawal - {$200.00} 1 Withdrawal - {$300.00} 1 Withdrawal - {$42.00} 5 ATM Fees - $ XXXX {$15.00} Totaling = {$1300.00} I just want my money back. I notified the bank twice before my money was taken and they did nothing to protect my account. Please Help!
Product: Mortgage

Shell Point / New Rez, continually harasses me to refinance my existing loan. 

They are offering Predatory Lending scenarios that simply have no Tangible Net Benefit for my financial welfare. I have asked them to end my MI and have been given the runaround. The last straw is the letter I just received showing a schedule of my MI continuing into XXXX, and trying to scare me into a new loan. I have in my Closing Documents a Scheduled payment report showing clearly that my last MI payment will be XXXX of XXXX. 

This is very troubling as they must be doing this to many other unsuspecting borrowers. 
Offering a teaser rate and then, in the end, the APR is higher than your existing rate is simply Predatory and false leading. Misleading consumers about MI insurance and using this to get people to refinance with them must be stopped, Thank you : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal without proper reasons and evidence, debited XXXX $ from my account XXXX even after submitting all the required detais and providing XXXX.. They debited XXXX $ from my account.. I think they are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a very deceptive website that does not inform the customer that they will be charged {$29.00} for monitoring. I was simply trying to create an account so that I could lock my report. I was not informed about being charged for a service.