23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/2016 I erroneously paid {$1800.00} to Visa credit card account using the Bank of America ( BoA ) online website.This amount was displayed as the amount owed on the drop down menu. After I clicked on the pay button, I realized that {$1800.00} was the amount that I had paid to this credit card last month. {$250.00} was actually the amount that was owed. When the {$1800.00} amount was posted as credit balance to my Visa account on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I called the BoA XXXX Customer Service number and interacted with an automated assistant that was able to determine my mistake and informed me that my overpayment would be transferred back to my account at BoA from which it was withdrawn. 
On XXXX/XXXX/2016, {$1800.00} was posted to my BoA Visa account as a Credit Balance Refund Debit. 
OnXX/XX/2016, I called the BoA XXXX Customer Service number and asked why {$1800.00} had not been posted to my BoA Checking account from which it came. The BoA assistant answered that it takes 3 to 5 days to complete the transaction. I then asked why it took 3 to 5 days to transfer the money from the card account to the my Checking account but only took 1 day to transfer from my Checking account to my card account. The answer was that BoA had certain procedures. I then asked to speak to a supervisor. When the supervisor got on the phone, I was told that procedure to 3 to 5 days and nothing could be done about that. I then asked to speak to the supervisor 's boss and was told there was no one else available. 
My complaint is that when I make a mistake, it appears in BoA 's favor in a day but it takes 3 to 5 days to correct the the mistake. BoA website prompted the mistake by displaying an erroneous amount. Why was a payment that I had already made still showing as an amount owed. This information is kept on a computer and should updated promptly.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX  XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.
Product: Money transfer, virtual currency, or money service

I did invest some money with Kraken.com. I tried to log in and I could n't. My account was temporarily disabled now. I tried to contact them.I sent them more than 7 emails by now. It 's been more than 2 days now. They do n't even get back to me. I did inform them that If I do n't have an answer by today I will submit a complaint to CFPB. I just need my account activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account with XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

TD Bank Overdraft Issues XX/XX/2022 - Charge of {$70.00} Taken from Checking XXXX. ( Me ) creation of overdrawn to - {$11.00}. 
- XX/XX/2022 - Charge of {$8.00} taken from Checking Acc. ( Me ) overdraft now {$20.00} - At this time, I recieved no warning or email from TD Bank stating I have gone into overdraft. 
- XX/XX/2022 - Charge of - {$1.00} taken from Checking Acc. ( Me ) overdraft now {$21.00} - XX/XX/2022 - I check my account and FIX overdraft by transferring {$50.00} from Savings to Checking Acc. bring account to {$28.00} - XX/XX/2022 - 5x Transactions ( Me ) totalling {$18.00} - XX/XX/2022 - TD Issues {$70.00} Overdraft Fee without email or message notice. Checking Acc. overdraft now at - {$59.00} - XX/XX/2022 - Deposit of {$20.00} made into Checking Acc. from XXXX XXXX XXXX made. overdraft now at - {$39.00} - XX/XX/2022 - Charge of {$20.00} taken from Checking Acc. ( Me ) overdraft now {$59.00} - XX/XX/2022 - TD Issues new Overdraft Fee of {$70.00} still with no warning. Overdraft now at {$120.00} - XX/XX/2022 - 3x Transactions ( Me ) totalling {$14.00} leaving Overdraft at - {$140.00}. 
- As of XX/XX/2022 - I recieved compensation from my job and lost nearly {$250.00} because TD bank charged a {$100.00} Overdraft fee which attached to the already - {$140.00}. 

These overly priced charges for such small transactions are uncessary and affect my livelyhood and ability to purchase and pay bills in a timely manner. Also the first overdraft SHOULD NOT have happened considering I fixed the intial overdraft quickly. 
- Now usually if I overdraft and get charged I can recieve a partial or full refund to compensate for lost time and money, yet when I called this time they refused to give back any of the near {$250.00} USD taken from my account. Their actions are uncessary and hinder my ability to pay bills and obtain necessary supplies.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, I saw a lot of preapprovals on Credit Karma . At first, I didn't pay it any attention but Credit Karma kept sending me all sorts of different preapprovals informing me that I was preapproved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time I logged in to check my credit score. After a few months of being told that I was preapproved, I thought I was now in the perfect place to apply. I got so many offers through Credit Karma, I started telling my family about investments and vacations we were going to use to these preapprovals for. I finally applied on or around some time in XXXX  and I got denied for 2 credit cards, and a 3 personal loans. I was destroyed! I was very angry and I felt deceived. I was marketed to for months telling me I was preapproved. THIS WAS A LIE! I was severely stressed out! I was nauseous for weeks! I also had XXXX XXXX  so bad that I became XXXX My XXXX  went from 0 to 100 and was uncontrollable. Now, every time I see preapprovals I immediately close my phone and shut my computer off. This has mad me so uneasy and XXXX  that I have not checked my credit as frequently as I should.
Product: Debt collection

Since the first week of XXXX of XXXX, I have been receiving calls, emails, and letters from the Paypal Collection department asking to collect a negative balance of {$65.00}. 
I have contacted Paypal customer service via message on XX/XX/XXXX and was told there is no negative balance on my account and to ignore the messages since it could be a scam. After PayPal continue contacting me on many occasions I decided to call the Paypal collections department to inquire about the debt and was told they have records of two PayPal accounts under the same name, email, and telephone number and assure me that on one of those accounts I owned {$65.00} for a purchase that I don't recognize. 
I explain that I have no knowledge of the extra account or purchase they state, so they advise me to contact PayPal customer service to close the duplicate account. 
On XX/XX/XXXX I contacted PayPal customer service and was told that there is no duplicate account since there is no possible to have two accounts under the same name, email, or phone number. Unfortunately, they did not offer a resolution and ignored my request. 
I have tried unsuccessfully to solve this issue by calling and contacting PayPal collections as well as PayPal customer support on many occasions after XX/XX/XXXX and keep being sent from one department to another. 
Now there is a private collection agency ( XXXX XXXX XXXX XXXX ) trying to collect the {$65.00} debt.
Product: Debt collection

The company contacted me on several occasions via phone and mail attempting to collect on an account that has exceeded statue of limitations. I have requested that they do not contact me for any reason but they continue to call.
Product: Student loan

I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

This is about fraud and coverup by the CFPB. I got a complaint back today that apparently the CFPB condones. If switching disputes and adding undisputed items on a consumers reports to fit their own needs is something ok with the CFPB. There is no reason to even be in business. I thought the CFPB was here to help the consumer not to cover up for the credit reporting agencies ( Experian ) on XX/XX/XXXXXXXX XXXX  Experian held a dispute while weeks before filed 2 disputes in place of the disputes I had filed. They were under investigation for breaking g federal and consumer law that the CFPB did nothing about while violating me of my rights afforded to me by the FRCA. That two was over looked after multiple disputes and complaint through both reporting agencies portal and the CFPB itself these items were going to have to be deleted. While investigating was about to be launched and an explanation as to why these items were still on my credit I submitted another dispute right after being validated for the 5th time. Except my dispute never went out. In its place Experian submitted bogas made up disputes and removed the 2 items I had been disputing showing the CFPB that they were not there and illuminating the investigation in their corruption. Right afterwards the disputes Experian filed for me that I requested the CFPB let me see ignored my request. I didnt file it and wanted to know what was said. I believe I have that right. Especially if it was supposed to came from me. Those two disputes came back validated but I was told they were deleted reason CFPB didnt investigate. So they were going right back on when legally they shouldnt I immediately did a complaint to the CFPB thinking you would investigate and deal with whom ever added and then held disputed items to fit their needed time lines. To my shock the CFPB didnt investigate this again because items were not on my credit. Condoning the malice actions of Experian. I would suggest that it highly illegal illegal for Experian or any company to go into any consumers account and make up two disputes on their own without the consumer knowing. And taking two disputes filed that same day by consumer and pulling them. Waiting just enough time to I hope tricked you. But I made the CFPB aware of what they did and again CFPB was tricked or condoned their actions either way no investigation and Experian gets away with this. I bet not. Right after this XXXX  will hear about both you and one other complaint portal. I never want to see another consumer have to deal with anything like this ever
Product: Prepaid card

I ca n't access my money. And I ca n't make transfers. My dedit card says blocked.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I purchased a TV from XXXX and specified it was to be delivered no sooner than XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX provided XXXX percent financing for 18 months. I set it up on autopay through my XXXX XXXX account. On XX/XX/XXXX I received a notification from XXXX that my TV was delivered, ( 10 days earlier than it was suppose to be. I rushed to the address it was suppose to be delivered to. No TV. I rushed 30 miles to where I lived at that time. No TV. I called XXXX and they said they had no way to track where my TV was. Hours later a 3rd party shipper ( XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, called me saying they actually received the TV. I was XXXX and told them to send it back to XXXX. Weeks later I received an email verifying XXXX received the TV and the purchase price {$1300.00} was credited to my account. However, months later I saw 2 payments had been taken from my XXXX XXXX account by XXXX XXXX which evidently handles XXXX XXXX. XXXX XXXX XXXX XXXX. retrieved 1 payment and put a stop to further withdrawals. I've contacted XXXX and XXXX XXXX several times and mailed emails proving the TV was returned. They ignored my proof and ruined my credit and harass me daily with 4 calls, including XXXX XXXX last night.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent XXXX using my Paypal account. It was being sent to the XXXX to my friend using his friends Paypal.After I sent the money via Paypal I was informed by the friend and by the RECEIVER that she no longer had a Paypal account. I then called Paypal on the date of XXXX and told them of the situation. The rep. informed me there was NOTHING she could do. She advised me to contact my bank. Today, when going thru my email and researching this it shows that I had the option to CANCEL it.No where after I sent the funds was this option given to me. 

this appeared in my email ... ... ... ... ... ... ... ... ... ... ... 
Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient hasn't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX On XXXX I filed a dispute with Paypal. Then on XXXX paypal replied that the dispute was closed and the transaction would stand as if I sent the funds and the receiver received the funds. When Ifiled the dispute it gave me no means of filing the dispute other than the amount. So I chose the amount in question. Based on that MAYBE is why Paypal ruled against me. 

HOWEVER, I am NOT disputing the amount sent. I an disputing that the receiver has told me she has NO acct. with Paypal and that she NEVER received any such funds from my Paypal acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails, permissible purpose letters I am not getting any response because of the automated system you have in place which is in fact a violation as well.I am demanding these accounts to be removed immediately off my credit report as it is violation to the following federal constitutional laws. 

15 USC 1681 ( A ) ( E ) 15 USC 1691 15 USC 1601 15 US 1692 I am afraid these 3 credit reporting agencies have failed to to exercise the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. 


I have remained humbled despite the stress, abuse, and harm these three credit reporting agencies have done to me. I am ready to file a law suit if you do not remove these accounts immediately 10 days from today.
Product: Debt collection

I received a collection notice about an apartment debt owed for {$3400.00} in XX/XX/2022. When I contacted Rent Recovery XX/XX/2022, they were unable to locate me in the system using my SSN, phone number, address, or id number.
Product: Money transfer, virtual currency, or money service

I got Bitcoin taken from my account and cash transferred to Bitcoin and taken by someone using a XXXX... I had lost my phone and tried to contact support and call to speak to a supervisor or someone in charge... They just kept saying it was nothing they could do about it... Cashapp is where it happened... I have my direct deposit going to them from my job...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, loan number XXXX, reported to Experian that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXXXXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX  letter. However, when I found out XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment to XXXX XXXX, I called XXXX XXXX. On XXXX/XXXX/XXXX I was informed by XXXX XXXX they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to XXXX XXXX on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX  complaint, XX/XX/XXXX XXXX XXXX stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. XXXX XXXX contracted themselves, they state in the XXXX response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. XXXX XXXX is not to report me late in XXXX or XXXX, I am enclosing my Experian report where it shows the inaccuracy, XXXX  response from XXXX XXXX, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX XXXX XXXX deposit slip, hardship agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( TransUnion, XXXX, XXXX ) Regards, XXXX XXXX XXXX XXXXFCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ] [ XXXX XXXX ] Re : Dispute of Personal Information, Equifax, XXXX I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly.

The disputed information is as follows : 1. [ Specific Inaccuracy ] : the incorrect information in detail hard inquiries, wrong address,, misspelled name ). 

Hard inquiries XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources.

Provide me with evidence supporting the validity of the reported data.

2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details.

3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within XXXX days of receiving this dispute letter.

Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution.

Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute and request the immediate removal of an inaccurate date of birth listed on my credit file. The incorrect information is adversely affecting my creditworthiness and causing significant inconvenience when attempting to access credit services. I have reviewed my report recently and the Date of birth you are reporting is clearly incorrect - plain wrong. PLEASE fix EVERYTHING in my personal information that is NOT the following : My correct date of birth is : ( XX/XX/XXXX ) Please remove the Date of birth you are reporting on my Credit File as this is clearly incorrect and misleading. I want to clarify that my correct date of birth is XX/XX/XXXX and the information you present is not reportable as per the FCRA, since this is inaccurate : XX/XX/XXXX