23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I closed a small business and cancelled my credit card processing service with Elavon in XXXX, 2019. In XXXX, XXXX, XXXX and XXXX, 2019, a merchant service fee was withdrawn from my business bank account, and I had to send numerous emails and make many phone calls to receive refunds for XXXX, XXXX and XXXX. I was told that my account was not " properly '' closed by Elavon until XXXX. In XXXX, after I was charged yet another merchant service fee, I once again asked for a refund, and I was advised by XXXX XXXX, an account manager, that the refund was issued and deposited into my bank account on XX/XX/XXXX. Despite numerous communications with Mr. XXXX, including providing him with proof from my bank that the funds are not in my account, he has continued to insist they were deposited and that there is nothing more that Elavon can do. He told me to go to my bank and have the bank investigate ; I asked him for documentation showing the transfer had been made, and he told me there is none. I still don't have my refund.
Product: Credit reporting or other personal consumer reports

A hard inquiry was made on my credit report that I do not recall authorizing, and to my knowledge, I did not apply for credit with your company at that time. Under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 604 ( a ), a company must have a permissible purpose and my explicit consent to access my credit report. 

I am formally requesting the following actions to be taken : Provide proof of permissible purpose under FCRA 604 for conducting this hard inquiry. This includes providing documentation such as a signed application or other verifiable proof of my explicit consent for this inquiry. 
If such documentation can not be provided, I request that this inquiry be immediately removed from my credit report, as it would otherwise be considered unauthorized under the FCRA. 
Why it matters : Hard inquiries negatively affect a consumer 's credit score. If this inquiry was made without proper authorization, it is an unjustified action that violates my rights under the FCRA. 

Timeline and Next Steps : This hard inquiry is scheduled to remain on my credit report for two years. Failure to provide documentation or remove the inquiry will leave me no choice but to escalate this matter, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for a violation of my rights under federal law. 

Please provide written confirmation of the actions taken within 30 days, as required under FCRA 611 ( a ).
Product: Debt collection

I got my first car in XXXX with credit acceptance the the vehicle had water damage which I didnt know until after purchasing the vehicle in XXXX I decided to voluntarily repossess the vehicle the company sold the vehicle the same year the balance they are reporting to credit bureaus is the incorrect balance and strongly effecting my credit the balance shown is what the car cost when I financed it the vehicle was sold nothing was left there was no balance I dont understand how they can do this I made a down payment and made payments while having the vehicle there is no way I still owe the same exact balance from when I finance the car the company is cruel and reporting wrongfully
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am disputing the reporting of my XXXX XXXX XXXX account on my Experian credit report. The current status lists a charge-off amount of {$7500.00} and a past due balance of {$8900.00}, which is a violation of my rights under federal law. 

Legal Violations : Violation of 15 U.S.C. 1666b ( Timely Posting of Payments ) : This law mandates that payments be applied promptly to avoid misrepresentation of balances. If payments were made but not reflected, the reported balance may be inaccurate.

Violation of 15 U.S.C. 1681a ( 2 ) ( 1 ) ( Fair Credit Reporting Act Accuracy ) : Under FCRA, information reported must be complete and accurate. A charged-off account should not simultaneously report as " past due '' since charge-offs indicate the creditor has written off the debt. The dual reporting of these statuses creates an unfairly negative impact on my credit. 
Violation of 15 U.S.C. 6802 ( Privacy of Financial Information ) : Financial institutions must protect consumer information and ensure lawful reporting. Any inaccurate or misleading reporting, especially regarding balances and charge-offs, violates consumer privacy rights and fair reporting standards. 
Requested Action : I demand the immediate removal of this inaccurate reporting. The simultaneous reporting of a charge-off and a past due amount is a violation of federal regulations. Please investigate and update my file accordingly. 

I expect a resolution within 30 days, as required by law. Please confirm receipt of this dispute and provide an update on the corrective action taken.
Product: Checking or savings account

My well Fargo Bank has been Stealing from me this has happened 5 times and now have put a hold on my money and Refused to let me close my account i have over {$4000.00} in there the have already taking XXXX. XXXX out of my personal and. and again XXXX two time they had my business account neg. XXXX moths XXXX XXXX up until now XX/XX/XXXX today I got my income taxes and they put A hold on my money and will not return it they made a false claim up and said i told them to open a fraud claim i never gave this person permission to use my info went to close my account today XX/XX/2023 and was refused to be giving my money and close my business after someone on inside keep Robbing me and lying saying they were going to return my money and never did they waited until i got more money to pay the money they took form my business account they have taking over XXXX dollars from me disrespect me and mentally hurt me I have spoke to claims fraud department about my money as well as self who the bank say they gave my money to but than slip up and said that self retuned the money but it was never returned to my account at all. I need My Money Please Help They Forcing me to bank with them by not letting me close my account and holding my money as well as not returning all money they stole prier to Today. And Today I will be calling police to do a report XX/XX/2023 Thank you They even lied about the claim date the problem is I never opened a claim I ask a question if money pending was mine as a business bank loan or was that money indeed sent in good favor the took my money
Product: Vehicle loan or lease

I am emailing regarding the NJ Sales Tax I paid for the Vehicle upon registration at the NJDMV. The vehicle was stolen on XX/XX/2023, and I have recently had XXXX ( Vehicle Insurance ) process the settlement for the total theft. The settlement of the vehicle was for approximately XXXX + XXXX of ( sales tax ) = XXXX. 

Unfortunately, XXXX ( my insurance ) paid the entire amount to ALLY Financial Services ( LESSOR ) the entire value of the car XXXX which the LESSOR is entitled to and the sales tax of approximately XXXX. I requested from both parties that the sales tax owed to me should be {$3100.00} as I paid the portion of the tax to the NJDMV. Both parties denied they owed me any value of the tax and simply advised that the other party should rectify the situation. 

I am attaching the proof of the sale tax paid that I paid to NJ last year for the 39 months of the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

On credit report, Chase Bank remarks state charged off. 
Made request for 1099 c and never received 1099c Also the creditor sold debt account XXXX XXXXXXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX then sold Debt on XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Chase reported the balance of XXXX and can not by law post a balance after charge off and sale of debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

account # is XXXX XXXX XXXX XXXX for XXXX open date is XX/XX/2022 i contact the company about this debt and the social security number is do not belongs to me and there are saying debt verify by who because that was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA   XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX   XXXX XXXX, IN XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA XXXXXXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
Product: Student loan

I had forberance granted to my student loans retroactive to XXXX 2014 but have late payments reported to the credit bureaus for XXXX and XXXX of 2014 on all XXXX loans for a total of XXXX reported late payments that should have been corrected by the retroactive forberance. 
Fed Loan Servicing has refused to correct this.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX. XXXX 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, credit repair services, or other personal consumer reports

I have a Bank of America credit card that I've used since XX/XX/2018. The very first things I do when I get a credit card is setup the online account access and setup recurring automatic payments from my checking account. I did the same for this Bank of America credit card. I had automatic recurring payments to pay my full statement balance. I used the credit card in XXXX for a small charge of {$40.00}. I don't check my online account because since the very beginning it has been setup to pay the full statement balance. Two months later, in XXXX I check my credit score and it seemed to drop over 50 points from two different credit bureaus. I log on and there was XXXX missed payment from Bank of America. It was that {$40.00} charge. 

I immediately log onto the Bank of America XXXX and pay the bill and call customer service to explain what happened. Bank of America flagged my account and rerouted the call to the collections department, even though I had already payed the bill on the app. He wasn't able to help and he redirected me to a different department to file a compliant. It turns out that the complaint is just to complain and give feedback, not to actually file a resolution. This wasn't helpful at all for me. This person shared with me that the reason why this missed payment occurred was because I hadn't used my credit card in a while and due to that, the automatic payments could've failed. This person transferred me to another person who also couldn't help and then ultimately transferred me to someone else who helped me file a ''Credit Bureau Dispute ''. My case number with Bank of America is XXXX. This person assured me that due to me looking for my mortgage in the near future and since my credit score dropped over 50 points due to no fault of my own, that someone would reach out to me via phone within 1 week to discuss this matter and find a resolution. I get no phone call and end up calling back customer service and after giving the case number and explaining the situation, they just say that they can't help me and to wait for a letter in the mail and this could take up to one month. This is unacceptable. I have over 15 credit cards and over {$70000.00} in credit available to me by over a dozen financial institutions. Never has any of my automatic payment systems failed with any of them. It's ridiculous that for someone who has utilized the system and done everything correctly with Bank of America, that they have no internal processes in order to fix their errors in this matter. Ive been bounced around different departments like cattle. Absolutely horrific.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX-XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

I signed up for LIFETIME  access to XXXX XXXX program call XXXX XXXX where I have access to multiple videos on how to make different crafts. Instead of making a one time payment of {$390.00} I paid through XXXX and made XXXX payments.1. {$240.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX. On XX/XX/XXXX i when onto my dashboard where the videos were displayed and about 50 videos were removed. I reached out to this company because I was very upset and I complained to them that I only signed up for this company because they promised LIFETIME ACCESS to the videos I was told they were taking the videos down and added new ones. My concern was how do you promise people that have already spent their money on the program LIFETIME ACCESS but youre taking the videos down that we need without having the new videos up. I requested a refund from the company because of FALSE ADVERTISING and misleading information. I reached out to my credit card company thinking they could help me and it was ruled against although I provided information stating the company stated LIFETIME ACCESS to information I had NO ACCESS to. I do not feel this was a fair judgement and I do not think its okay for a company to promise you something until they get your money and then they dont hold up on their end but then they also dont give refunds. How are the customers protected against deceptive practices? I do not think Discover did a proper investigation because its clear that this was false advertising you can say I have LIFETIME ACCESS but the videos that are being removed I clearly dont have access to them or I have to wait for them to redo videos, thats not what I paid forthe right way would have been to leave the videos up and replace them as you go not remove all of them!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from Bank of America on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by Bank of America and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with Bank of America as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. Bank of America still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Product: Student loan

Navient charged me a {$12.00} late fee on a federal consolidation loan. When I log in to my account summary it indicates that I owe {$190.00} on a private loan, {$0.00} on a fed consolidation loan that is on IBR, and {$12.00} on a second fed consolidation loan that is also on IBR. Each month  it claims that I owe XXXX plus XXXX. Multiple times I have tried to pay the XXXX believing that it was the amount of my IBR on that loan. However, I noticed that every time I made a payment the amount continued to be the same. I looked deeper into the loan and discovered that the XXXX is a late payment fee and each time I made a payment of the XXXX as is indicated that I owed on the monthly due date, the payment would not go toward payment of the late fee and instead be applied to interest only, leaving the fee un paid. The next month the fee would continue to appear and be due on a particular date, and if I tried to pay it they would not apply it toward the fee. So I called, the agent stated that payments towards fees can not be applied until all interest is paid off and the fee is applied " on the back end of the loan '', and that I do not need to pay it and it would not be reported to the credit agencies. I stated that if I was not actually able to pay the XXXX until all interest is paid then the " payment due on the XXXX '' demand should be removed, since you are demanding I make that payment of the late fee on that date and when I do as requested the payment is not attributed. And if I do not have to pay the fee ( because technically I can't ) I demand that you stop misleading me by making it " due '' each month. The agent said they can not do that. So each month, they demand I make a payment of XXXX on the XXXX, when in reality I am only required to pay XXXX. This is misleading way to collect a debt and goes against my rights. This debt collector ( Navient ) is first misrepresenting the amount I owe on the monthly payment from {$0.00} to {$12.00}, second they can not control which debts my payments apply to. They attempt to have me pay the late fee and when I do so they use it to pay a different debt ( the late fee ). Even when I have called to attempt to pay the late fee they would not allow me to do so until " all interest is paid '', forcing me into an outstanding " debt '' of a late fee that continues to roll over each month on top of my $ XXXX  monthly payment.