23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a judgement from XXXX XXXX XXXX, and a municipal court that said I owed {$3000.00} and they are adding 5 percent interest on a card that I believe to have been opened fraudulently. It was from capital one and it was opened in XXXX. The last time I had a credit card from capital one, it was closed and paid off in XXXX. Even if it is my debit, it is well past the 7 year drop off period because they bought the debit. I have disputed it over the last few years with the credit bureaus and they took it off my credit report recently. Then Monday the XXXX of XXXX, I received the judgement now threatening wage garnishment. I called XXXX directly and the lady was rude. I told her they couldnt add years to this debt just because they bought it, and I still believe it to be fraudulent, however she told me it wasnt illegal to buy debt regardless of if I told her it wasnt accurate.
Product: Student loan

i have never recieved any payment information pertaining to my loan, i checked my crdit report and see that XXXX has reported me to the bureaus, until then i have never ever recived any notification that the loans were sue or i would have easilly paid them on a monthly basis. addtionally i had loans for XXXX now i over XXXX. 

it appears as if XXXX sent me elctronic notifications of which i never recvied, i also never ever recvied any documention from XXXX via USPS mail. i am more than willing to pay the loans monthly, but would appreciate if they can remove the negative info from credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law Transunion, XXXX, and XXXX has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy
Product: Checking or savings account

Double Charge Incident- XXXX XXXX XXXX XXXX XXXX, XXXX Truist Bank accepted a check and withdrew the funds for the same check twice, once in XXXX, and the second time in XXXX. It appears that one of our vendors presented the check twice ( once by phone, once in person ). The check was invalid the second time due to being 8 months old and should never have been honored. Here are the details We contracted with client for a {$5000.00} appearance fee. 
o Payment 1 was made by check XXXX and was posted in our account on XX/XX/22 for {$2500.00} o Payment 2 was delivered in person to client, check # XXXX for {$2500.00} and was posted on XX/XX/22. 
o This was the final payment for our contract o Check XXXX was presented again a second time in XXXX and was posted on our account XX/XX/22. 
We did not notice this transaction at first because it appeared to be a check we issued. Upon a final end of year accounting wrap up, we discovered that the check was deposited a second time. 
We notified our local branch XX/XX/XXXX, and receive a voice mail back indicating that the funds would be deposited within 48 hours. 
We had a call the next day indicating that the payment might take 90 days to process. 
We discussed with the branch manager on or about XX/XX/XXXX and were told it would take 48 hours but it would be taken care of. 
We were informed XX/XX/XXXX that XXXX XXXX XXXX is rejecting the refund because it is after 6 months. 
We notified the Truist branch XX/XX/XXXX, and the statement date is XXXX XXXX. This is less than 6 months. 

Due to some severe family situations, it did take a bit longer for us to catch this. It was not caught the first time through the statements, because it appeard that it was a valid check. It was not until our final audit that we caught this. We have asked repeatedly for Truist to credit our account and work it out on the other end with our vendors bank. We have reached out to our vendor who claims she did not make the deposit a second time, even though we have provided copies of the deposit. 
There were two reasons the check should have been stopped before it was withdrawn from my account. The first was the duplicate check # and duplicate payee and duplicate date of the check. The second is that the check was a stale and expired check. We simply want our money back from this error on the banks part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/XXXX  XXXX XXXX XXXXXXXXXXXX  XXXX  XXXX XXXX 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.

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 instructions15 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} MXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Received a call from a Representative of Credit Acceptance. After identifying myself I explained to the representative that I understand that I am still a month behind on payments due to having to replace the catalytic converter on the vehicle one week after purchasing the vehicle three weeks before I was able to make my First payment. I explained to both the dealership and credit acceptance of the situation the dealership did a very bad repair that was very unsafe. 

This situation goes way beyond the reason for this complaint. Due to my sever XXXX  XXXX  and XXXX  the call I received from there representative has triggered my XXXX  XXXX  I am unable to care for my children when I am XXXX  injured. The agent began to threaten and harass me of continued calls. She began to scream and cuss at me. I do not believe that she should never talk to anyone like this. I am requesting to never receive any communications from that representative. I understand that they need to make calls but they should not be allowed to make threats and harass customers at the same time.
Product: Credit reporting or other personal consumer reports

It is the EXPERIAN 's responsibility to furnish ALL documentation upon my demand from ANY CREDITOR from whom the EXPERIAN is receiving NON-CONSENTED information concerning my PRIVATE accounts.EXPERIAN is willfully acting negligently and with frivolous reporting that is inconsistent with the other reporting agencies and in violation of 12 CFR 1022.43. 
I received a copy of my credit report and found the following item listed below to be an error. XXXX OPEN DATE : XX/XX/2022 - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed complaint XXXX with the CFPB regarding SPECIALIZED LOAN SERVICING LLC 's dishonest practices and onXX/XX/XXXX, SLS replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter SLS promised to correct the reporting to the credit agencies, but in fact SLS just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see SLS 's letter datedXX/XX/XXXX acknowledging this.
In the years we have dealt with SLS they have NEVER done what they said they would do and SLS would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is SLS 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. SLS should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

1.received collection notice from Gulf Coast Collection Bureau dated XXXX/XXXX/XXXX for master account XXXX asking for payment of creditor account # XXXX service date XXXX/XXXX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX . 2. called on XX/XX/17 talked to XXXX and was instructed to send proof of payment eob to XXXXXXXXXXXX with # XXXX in the subject line. 3. called XX/XX/17 talked to XXXX who confirmed receipt of same and info had been forwarded to the client for processing. To the XXXX XXXX XXXX. Said he would call me back when the matter was cleared. 4. called XX/XX/17 talked to XXXX who told me matter is still in review, account was not cleared docs were forwarded from Gulf Coast to the XXXX XXXX XXXX on XX/XX/17 and she will attempt to escalate and call me back when the matter is cleared. <P/>1. received notice of collection from XXXX XXXX XXXX XXXX dated XX/XX/2017 for the exact same creditor account XXXX ( their account # is XXXX ) for service date XX/XX/17 {$1100.00} XXXX XXXX XXXX XXXX XXXX. 2. called talked to XXXX XX/XX/17 refused to send validation unless requested in writing, extremely belligerent/agressive and would not listen when I tried to explain that the account was placed with another agency. 3. called XX/XX/17 talked to XXXX who told me who to send proof of payment to this time : XXXXXXXXXXXX -- did that right away. 4. called back to make sure and received an email from XXXX XXXX that the account was cleared up and no balance of {$1100.00} is due. <P/>MY Question is? WHY was the account placed in duplicate after it was already paid? and WHY is it not yet cleared from one agency when it cleared quickly from the other. This is very distressing and at this point, I feel I need assistance getting resolution.
Product: Credit card

Dear CFPB, This is a complaint about Bank of America refusing to comply with the Fair Credit Billing Act, which requires BOA to give written acknowledgement that it received my credit card billing error dispute claim, FAXed XXXX XX/XX/XXXX, and also requires BOA to conduct a reasonable investigation of my claim. 

I spoke to a Bank of America XXXX on XXXX XX/XX/XXXX, who said that to FAX a credit card billing error dispute claim to BOA, I would FAX it to XXXX. I did, that same day, FAX my written claim to BOA, at that FAX number. ( This was to dispute a charge dated XXXX XX/XX/XXXX, and not to be confused with a prior dispute I previously filed about an unrelated charge. ) I next followed up multiple times, by voicemail and email, to XXXX XXXX XXXX XXXX, because she had previously assured me that she, and anyone else on her XXXX XXXX XXXX would be able to email me confirmation that a FAXed billing error dispute had been received. But my communications were ignored. 

I therefore called on XX/XX/XXXX, and this time asked for the XXXX XXXX XXXX. I spoke to a team representative, and to XXXX levels of supervision above him, and they said XXXX XXXX had misinformed me, and that BOA has a policy of refusing to provide written confirmation that any document was received in regard to a credit card billing error dispute. I told them that if there is any doubt, about XXXX receipt of my XX/XX/XXXX FAX, then I want to FAX a second copy of it immediately to BOA, and then have BOA immediately email me confirmation that the second copy was received ( I didnt want to email the FAX, because it contains my credit card number as required, which would be a security risk via email ). But they told me that BOA would not provide me email or other written confirmation, at any time, now or in the future, that any such document was received. The entire phone call wasted over XXXX hours of my time, either struggling with their automated response system, waiting on hold, or arguing with totally unreasonable employees. 

This BOA policy is obviously unreasonable, corrupt, ludicrous and totally unacceptable effort to evade the Fair Credit Billing Act. I demand either : immediate written confirmation that my FAX was received, or in the alternative, that BOA immediately arrange for me to FAX a second copy, and then for BOA to email me immediate confirmation that the second copy was received. 

Sincerely, Another victim of Bank of America
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandated a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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 charges and credits. This issue aligns with the recent CFPB findings against the institution for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I purchased a laptop online from XXXX in XX/XX/XXXX as a XXXX present for my mother. Apparently, the package was stolen, as it was never received. I paid for it with PayPal Pay in four ( payments ) which were completed in XXXX  of XXXX. I went through the entire process of filing a police report about the missing item, and XXXX has said they've refunded me for the purchase ( {$230.00} ). However, PayPal keeps telling me that they can not locate the refund, apparently because their systems only go back as far as 180 days ( the refund was applied to the original transaction ID and PayPal 's system won't allow that because it's too far back ). So now, PayPal says they don't see the refund anywhere, XXXX will not issue me a refund directly because they state they have already issued the refund to the original payment method, and I'm just out {$240.00}. 

I have spent literally dozens of hours on the phone with PayPal, XXXX, and my bank in the past five months ( including having to get both PayPal and XXXX on the phone TOGETHER at the same time ) and NO ONE will resolve this. This is the XXXX customer experience I've ever had XXXX not to mention the stress of all this, plus losing the money - and no one cares!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SYNCBSAM 'S  XXXX  located at XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2023 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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.