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

I have an Avant Credit card and I have auto payment for {$67.00} per month. In XX/XX/XXXX I paid and extra amount of {$47.00} on XXXX XXXX and my bill was not due yet and did not have a payment schedule of {$220.00} at that time. On XXXX XXXX, XXXX they took {$220.00} out of my check account that I did not authorize them to do because my monthly payment is {$67.00} per month. I did not get a text, email, statement in mail stating they will take {$220.00} out of my account which left me in - {$420.00} in my checking account. I did call them on XX/XX/XXXX and I was on hold for 4 hours. I called back on XXXX/XXXX/XXXX and the recording said they were having technically difficulties in their system. I called back XXXX/XXXX/XXXX and spoke to some one and I ask them if I have you an extra {$47.00} I would not have a balance schedule payment of {$220.00}!! they should of subtract that amount from the {$220.00} and it would of been a lesser amount and they did not have my permission to take out {$220.00} of my check account. my next schedule payment is dated XX/XX/XXXX of {$67.00} so where did they get {$220.00} from. Please look into this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act.
Product: Credit card or prepaid card

On XX/XX/2023 I had a monthly bill of {$210.00} due on my Bank of America Visa card. On XX/XX/2023 I made a payment from our Bank of America checking account in the amount of {$20000.00} instead of {$210.00}. On XX/XX/XXXX I immediately recognized my error and contacted the bank. The bank said that they could see the error and would refund the over-payment via check in 10 business days. 10 business days came and went and we did not receive a check. We called again and were told that they were working on it and would give us an update in 2 business days. We called again in 2 business days and were now told that they would ACH the funds back to our checking account, the account where the payment was made from, and that would take 3 business days. 3 business days went by and no ACH refund was made. We called again last week and were told that they were still working on it and we would be contacted by a " case manager '' on Friday XX/XX/XXXX. We were not contacted by anyone at Bank of America. As of today our credit card still shows an over-payment ( credit balance ) of - {$19000.00}. Every time we call Bank of America we are either told that they are working on it or we will get a refund shortly, which has not happened. We are now one month in from when the over-payment was made and the bank is still holding onto {$20000.00} of our money and we need it back.
Product: Credit reporting or other personal consumer reports

I have reported inaccurate information to a credit bureau agency for 12 consecutive years, and the information reappears more often than it should. I am trying to close a mortgage, and this negative information is impacting my ability to close and costing me {$1500.00} each day that I can not transact business. 

My credit score dropped significantly after I worked hard to keep my file clean and cheerful. This bad reporting is causing XXXX issues related to stress because I keep having to pay penalties for inaccurate credit reporting information.
Product: Debt collection

I am being charged {$920.00} by CommonWealth Finance. I have NO knowledge of this place, who they are or for what they are charging me.
Product: Checking or savings account

We got a check XX/XX/XXXX it was deposited on XX/XX/XXXX. The money was removed from the persons account on XX/XX/XXXX we have documentation to all of this on XX/XX/XXXX the bank still has the check on hold. We have called twice. This is TD Bank.
Product: Debt collection

My Name is XXXX XXXX a federally protected consumer and I am making this complaint against Credit Collection Serv. For committing identity theft. I have never given Credit Collection Serv. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this until Credit Collection Serv can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ccs continues its collection efforts, I will file for litigation for actual damages caused and ccs will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXX my son XXXX XXXX XXXX. I took him to XXXX  XXXX XXXX located in XXXX Wyoming. He was seen there by doctors and received treatment. Some time in XXXX of XXXX, I received a bill from XXXX  XXXX XXXX. Since I was employed at work for XXXX  XXXX I took care of the bill. I provided XXXX  XXXX with both my sons insurance cards. My son had two insurance at time. He had XXXX and XXXX  XXXX. However in XXXX of XXXX, I then received a bill on a XXXX  XXXX XXXXletter head with its logo displayed and a contact number for Express recovery a debt collection agency. Very shocked and concerned, I called the number and spoke with a lady by the name of XXXX. I explain to her that I believe that someone made a mistake and that my son had insurances that covered the medical bills both XXXX and XXXX. I was put on hold while XXXX stated that she would look into things. After being placed on hold XXXX stated for me not to worry and that both insurance XXXX and XXXX was billed and that the problem was resolved. This month XX/XX/XXXX, I checked my credit report and came across two bills that were sent to my credit report back in XXXX. I then went to XXXX XXXXXXXX XXXX 's financial office and spoke with them regarding the matter. I was told that everything was paid off by both insurance companies and that I owed nothing. I then showed them that two bills were sent to collections and now on my credit report. I then learned that the physicians billed separately. They provided me with the physician office phone number and I called and was told that they have one bill for the date of service for XX/XX/XXXX. I was then told that they never billed XXXX. I told them I spoke with XXXX from express recovery and she told me that they did bill XXXX and XXXX. Again they confirmed that they only billed one insurance. I then contacted Express recovery and informed them of what I had learned and informed them that someone was not telling the truth and that the problem needed to be addressed. I then informed that if they could not fix the mistake and remove it from my credit report then I would be filing a complaint. 
In conclusion I am very upset over this and should not have had to suffer damages to my credit report because of incompetency and someone not doing their due diligence. I was deliberately lied to and false reported debts were placed on my credit report. This is not right at all. I strongly feel that whoever was responsible for sending the bills to be placed in collections should face stiff penalties for such misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit I dont recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Sagestream my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Product: Credit card or prepaid card

On XX/XX/XXXX I connected with a CSR from American Express to inquire about a free night certificate I was supposed to receive after my anniversary date. My annual fee was charged on XX/XX/XXXX of {$95.00}. I contacted the CSR in XXXX to ask when I would be receiving the free night. The customer service rep said, in text through the amex chat feature, that I would receive my free night award no later than XX/XX/XXXX. It is now XX/XX/XXXX of XXXX and I still do not have the free night in my account. I contacted another CSR today, XX/XX/XXXX, and was told that I would not be receiving a free night certificate until after my XXXX anniversary. This is not acceptable and not what I was told. I would have cancelled the card back in XXXX if I knew this were the case. 

I have all relevant screenshots of the chat from XX/XX/XXXX as well as a copy of my statement showing the annual fee charged to my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with FTC re TransUnion refusing to correct false information on my credit report and to remove same regarding names used, addresses, employers, etc. The complaint Number is XXXX. I performed a dispute with TransUnion, but every email communication came back returned as undeliverable. I disputed each incorrect address, name used, etc and changed my password due to Straffic breaching alert received from XXXX XXXX. The XXXX XXXX XXXX  XXXX on my credit report is a false employee and so is XXXX XXXX. Addresses such as the XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, etc. were never addresses where I lived and there are others Such as past telephone numbers. My last date of employment with XXXX XXXX was XX/XX/XXXX and XXXX XXXX XXXX XXXX is my DBA as a XXXX XXXX, XXXX and XXXX. And TransUnion uses an outside site to upload documents to support your dispute, which never made it possible to upload the same.
Product: Debt collection

XXXX is reporting a collection on my credit reports for a " Check into Cash '' payday loan claiming it was opened XX/XX/XXXX. for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.
Product: Debt collection

The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974.
Product: Debt collection

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations
Product: Payday loan, title loan, personal loan, or advance loan

i answered an add from american freight to purchase a bedroom XXXX XXXX XXXX dollars down on XX/XX/XXXX XXXX they said i had to sign the agreement within XXXX minutes or the offer would not go through so i did as he instructed without having time to read the agreement. 
later i found out that they were charging a finance charge of XXXX dollars on top of the price of the furniture which is XXXX. if it wasnt paid off in 100 days they were adding XXXX dollars. 

i also had to agree to pay over XXXX dollars a month on auto pay. im on a fixed income and my account became overdrawn which caused me to have to change bank accounts. 

after making several payments from my bank account i reached out to american finance to ask for help and they threaten to harrass me by phone if i did not make a payment by XXXX third XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to this company several times and have requested to provide affidavit of truth or something bearing my signature to prove this debt was created by and belongs to me. The company has failed to provide and sufficient evidence. The company responded by sending a copy of the card holder agreement and stated that this was the proof they used to verify the debt was created by me. I informed the company that this did not bear my signature nor was sufficient evidence proving the debt was created by and belongs to me. I would like this debt immediately removed from my credit report.
Product: Checking or savings account

I was going through my XXXX and viewed a chime direct deposit letter sent from my to my XXXX when I am on XXXX with Chime bank I asked them when they reopened my account after being closed for a year was it safe being they closed it and opened it back up with my same account routing and card after a year I use to spend countless hours adding I couldn't figure it out until today my Chime bank & XXXX XXXX  has been robbing me blind but some one is controlling my money giving me credit and I couldn't get help I closed my Chime savings account I was being robbed online banks just say nothing 's wrong
Product: Mortgage

Our homeowner 's insurance has not received their payment and it is overdue. Our mortgage servicer has not provided proof of cashed check. To avoid cancellation of our insurance we went ahead and paid our insurance. Insurance and taxes are escrowed so this should n't have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting company, XXXX XXXX XXXX, is violating my rights under HIPPA Law for account # XXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.
Product: Mortgage

I have a mortgage with Mr. Cooper. This mortgage was sold to Mr. Cooper by XXXX XXXX XXXX during the great recession without my permission. 

There are three issues with Mr. Cooper that I currently have although I have had issues with them in the past regarding my escrow account.

Issue 1 - I contacted Mr. Cooper on XX/XX/XXXX to cancel my flood insurance thru XXXX and replace it with another policy that I had already paid for with equal if not better coverage. My flood insurance is paid thru their escrow department. I sent them a copy of the new policy with XXXX which showed paid in full. The XXXX Policy that I requested be cancelled had a renewal date of XX/XX/XXXX. They told me they had already sent a check to XXXX but would stop payment on it and replace it with the XXXX policy. I thought all was well until I received my escrow statement dated XX/XX/XXXX. After calling Mr. Cooper I found out that not only did they not stop payment on the XXXX flood insurance policy- ( verified by XXXX who never received a stop payment ) but they paid the XXXX policy also even though they had received the current policy showing paid by me. So they paid two flood insurance policies through my escrow. 
They want to continue to pay two policies and leave it up to me to figure out their mess. I did receive a refund from XXXX for the double payment but have yet to receive any credit for the cancelled XXXX policy. 
Issue 2- I have requested to have the escrow account removed from my mortgage several times with Mr. Cooper/Nationstar . The most current request was denied this month and their rep told me it was because I was 30 days late within the last year. I sent her a bank statement showing that I was in fact on time or early for at least the last 18 mos. ( and most likely for a lot longer ). She responded that her " system '' made a mistake- most likely a lie.

Issue 3- Mr. Cooper does not report my excellent payment history to the three credit bureaus which has the effect of holding me hostage to them. My mortgage is the only credit I have had so I don't show up in the bureaus and have been unable to get rid of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX automotive account appears to have been closed. 

There should have not been anything allowed to be processed on my credit file because it was frozen and i have NEVER done business, nor heard of the first two companies listed. The third account was closed as Fraud but also listed as CLOSED which is incorrect, I  have called and disputed with Trandunion, as well as disputed online. Police reports have been filed, i filed an identity theft report with the FTC ( at their suggestion ) and also placed a fraud alert on my account, The security freeze was lifted, there is no fraud alert on my account ( The other two CRA 's did it the same day it was requested ) and whoever has access to my information is still being allowed to drag my score down,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ALL 13 XXXX Accounts US Department of Education, All 13 XXXX XXXX accounts, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX I have attached highlighted removed accounts.
Product: Student loan

They never get back with me. They never answered my calls and I am doing this over and over. Im running into the wall so Im a try again and Im gon na have a fresh start and try to get this off my report once and fall because its not accurate.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX. 

According to my records, this account was sold by XXXX XXXX to a debt collection agency. Despite this transfer, XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX XXXX is incorrect because the debt was sold to another entity.