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

I had a positive credit balance of {$140.00} on my American Express XXXX XXXX card. I requested that the balance be sent to me via check in late XX/XX/XXXX. After about a week, I reached out to ask if the check had been sent. I was told that yes, it had been sent. And I noticed that my balance was now XXXX. On XX/XX/XXXX I received the check, and cashed it. 

Then, a day later, I noticed that XXXX {$140.00} had been deducted from my account. I called American Express and they said that they had mistakenly sent a second check out. I told them I needed them to void that check and credit {$140.00} back to my account. 

On multiple dates in XXXX, the most recent being XX/XX/XXXX and XX/XX/XXXX, I either spoke or chatted with several AmEx XXXX  who promised me the funds would be credited back. 

They have still not been credited back. 

My credit card statement will be closing soon and I do not want to have to have to pay a balance to AmEx that I don't actually owe. 

I keep being told the issue will be resolved in XXXX business days, but it has now been almost XXXX weeks, and I keep being told to just wait. 

This seems like an unacceptable thing for me to be burdened with, especially since this is a problem that AMEx created, and which they seem to have no interest in fixing. 

Can you please help? 

Thank you.
Product: Mortgage

My Name is XXXX XXXX, XXXX of XXXX XXXX who passed away. ( My Father ) The property in reference here is XXXX XXXX XXXX in XXXX XXXX, CA. My Father had this on a reverse mortgage but the home was also under water. Our agent XXXX XXXX XXXX XXXX ) XXXX with XXXX XXXX XXXX fought for over a year to negotiate with Wells Fargo Reverse mortgage to approve the short sale. Did is also a probate sale in which the court is really pushing us to close. We got approval on XXXX XXXX 2015 with a deadline to close by XXXX XXXX 2015. Everything was going well until XXXX of the buyers got ill and ended up XXXX. During this period there was nothing we could do, nor his lender. He was XXXX and i do n't possibly know a way we can make hime sign, or summit documents in that condition. This is clearly something that was out of our hands. We reach out to Wells Fargo to explain to them the situation and they refuse to work with us. The processor clearly told us that if we do not close by XXXX XXXX. The deal will be drop and property will face foreclosure. They said their hands were tied and nothing they could do because this was a HUD guideline not theirs. How is this possible? we work so hard to finally get this deal here and how is it that we could not get 3-4 extra days to close when the buyers was submitted to the hospital. How is it that there is no exception for something like this? This was out of our hands and by anyway not a delay to close the file, it was an emergency the buyer went through. We are very upset because the files was drop and they are making us re-sudmit everything again so they can now approve us for the short sale. The whole experience with Wells Fargo was a nightmare, from them losing documents, to changing terms last minute, to approving XXXX thing and then changing it. How are they still able to operate. This is so unfair, we are only trying to make this right and it feels like they do n't care and all they want is to insure we lose. The buyer is out of the hospital and is devoted that the house he was only 3 days away from having has now been taken away over some policy that makes no sense. No supervisor, no manager could help. They all said there was nothing they can do. We want this deal close and we want to make sure they comply with that. As consumers i feel we are taken advantage. How is it that they benefit from turning down this deal from closing due to a 3 day delay?? would n't it make more sense for them to get pay and get this over with it?? 

I really hope you can help, my family is devastated by this. We can get over how they can just screw like this. We fought so hard to make this happen and now they just cancel the file over something we had no control.
Product: Credit reporting or other personal consumer reports

XXXX. 

Contacted TransUnion, Equifax, and Experian regarding data breach. My credit report is inaccurate in many ways, and has failed to update properly. Wrong account information, balances, personal information, birthdates, address, phones numbers, work places, are all in accurate on some or all accounts listed on all 3 credit bureaus Please delete credit report for Experian, TransUnion, and Equifax
Product: Debt collection

I noticed on my credit report an errant account for {$720.00} with LVNV ( a collection agency ) I immediately disputed this account with the XXXX major bureaus. However, after having it removed from XXXX, XXXX and XXXX ; I received a letter from a collection agency called RESURGENT capital services responding to my dispute with LVNV. Even on their letterhead they list the " group '' of companies with which they are linked with both company 's names alongside several others.They act as XXXX separately registered business entities in my state. How then are they both allowed to collect the same illegitimate debt through intimidation and coercion?! 
My complaint ( s ) : 1. I do not owe this debt 2. These XXXX companies are Re-aging this account by both changing the balance ( $ XXXX {$720.00} ) and occasionally switching it between there XXXX monikers on my credit reports. This has caused me to not qualify for my home purchase and has artificially kept my credit rating low. This has greatly effected my quality of life and financial security. 
3. This account was removed from XXXX but re-appeared the next month with a new balance ( $ XXXX {$720.00} )!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been since XX/XX/2018 since I've filed a dispute still no response ... account has been charged off and closed this other company bought it out its in collection as opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an XXXX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : 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 In accordance with the FairCredit Reporting act. The list of the account above has violated my consumer rights privacy and confidentiality under 15 USC 1681.

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 crime 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 be that the information is in accurate.
Product: Credit reporting or other personal consumer reports

Ive tried to contact the following company to remove the below accounts from my credit report, which are reported in laccurately. These accounts are not mine though. Do I have any knowledge of these accounts.They have not responded and or provide approve that how old is that and based on15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies and furnishers of information must investigate disputed information within 30 days.

These accounts are accounts reporting inaccurately to XXXX XXXX XXXX XXXX  {$13000.00}, XXXX XXXX XXXX  {$840.00}. 

These accounts are reporting inaccurate XXXX XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. 

These accounts are reporting innacurate to equifax XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. XXXX XXXX {$2900.00}, XXXX XXXX  {$680.00}, XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my report from one company that I have never done business with or heard of. This is a result of identity theft,
Product: Checking or savings account

I chose the option saying that the transaction was not authorized, but that is not accurate. The transaction was authorized, but they have a full refund policy that they repeatedly promise to honor but never do. 
On XX/XX/XXXX there is a charge of {$29.00} for the design of a logo on my account. After a few days, I called the company to ask for a refund and succumbed to an up-sale. I was told that for {$300.00} they would design a logo and build a website. On XX/XX/XXXX XXXX charged {$270.00}. After some back and forth and complaints about customer service, the logo was never completed and the website was never started. On XX/XX/XXXX I emailed the rep at XXXX asking for a refund. I was told that I would eventually get it, but after eight months, constant emails back and forth, and even an attempt to have my bank file a claim, I am still waiting for my refund. Service was never delivered and I want my {$290.00} back. Please help me. Thank you.
Product: Debt collection

XXXX is rude and disrespectful. I ask for a balance statement every time I pay for my own records. He always gives an excuse or lie and says he sent it. Today his lie was Texas doesnt allow him to send mail. Then proceeded to overtalk me as usual and then said Why does she always need a letter? I told him not to call me anymore. This is harassment. Then XXXX XXXX XXXX was trying to say i lie and i have been reading that is what he does to everyone
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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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 XXXX years. 

XXXX XXXX. XXXX ( 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: Debt collection

Professional credit for medical collection for {$1800.00} is on my credit report, lowering my credit score and thus affecting mortgage applications. They have called daily since XXXX. 
XXXX XXXX  also XXXX XXXX affecting my credit score. Unsure what medical bill that is at this point. With the new law since XXXX XXXX, XXXX bans the inclusion of medical bills on credit reports used by lenders, but there mine is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX  XXXX Balance {XXXXXXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX XXXX XXXXXXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ) XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid subscription with Experian who provides a Fico score XXXX which is used by most lenders. The membership includes credit monitoring. My transaction monitoring is currently disabled. This monitoring service will send out alerts when there are changes to my account balances, and debit and credit transactions. This information  will then effect my fico score. On XX/XX/XXXX Experian deleted my account with XXXX XXXX company. I had just received a credit limit increase of {$300.00} which would have made my credit limit {$1100.00}. When I contacted Experian about this account, they informed me that because I filed a dispute on XX/XX/XXXX, that XXXX instructed them to delete the account. I contacted XXXX and they told me they didn't give Experian the authorization to delete the account. It was deleted from Experian and XXXX. I think Experian is purposely trying to keep me from increasing my credit score. So these are the 2 issues I'm disputing with Experian
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 authorize, I was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal 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

My PayPal account banned permanently after I've submitted proof of my sales activiy and social links. They ask for many reaquirements to lift my account but they initiate the closure of my account. As a result of their decision, I am not be able to access my account in 180 days and can not use my account anymore. It's so frustrating if my violation is clear but I am genuinely don't know what is my violation. I want to insist my rights to have access on my account with my funds.
Product: Credit reporting or other personal consumer reports

Equifax has the wrong SSN associated with my name and it is mixing with another person showing their information. I informed them of this and sent all the necessary information via mail months ago. They claimed they never received the information so I sent it again priority mail so I know it was delivered. They still have not corrected the problem. When I call their service center just tells me they havent received it yet. This is preventing me from closing on a house with a mortgage.
Product: Credit card or prepaid card

1 ) M y husband and I moved to Nebraska where Bank of America does NOT have any branches, and I have had technical difficulties setting up auto debit from an external checking account. As a result, I have been charged late fess, my credit limit was lowered, and I believe derogatory information was sent to the credit reporting agencies.      2  ) Auto-debit ( including from third party checking accounts ) is a feature that is advertised on their website.      3 )  I have made many good-faith attempts to set this up on the website, and my last attempt was on  XXXX   XXXX  where I used the online chat feature on the Bank of America website.      4 ) I  gave the operator my routing and account numbers for our  XXXX  checking account.   I requested that he/she debit the payments due from that account, and to setup auto-debit to have recurring payments from said account.   But this did not occur due to " lost network connectivity '', per the phone conversation with "  XXXX  '' and my husband on  XXXX   XXXX .   When I saw that the payments did n't go through as expected in  XXXX , I tried calling the Bank of America number several times, but the hold time was too long ( more tha n 30 minutes ) 5 ) My hu sband finally reached Bank of America on the phone on  XXXX   XXXX  with  XXXX  and the credit card accounts are now current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Public Law 73-10 states all debts public and private are obligations of the government.

In addition " And because you have my social security number, what is legally taking place is a trust action- with me as the beneficiary and with XXXX as the trustee. As the trustee, you are the authorized representative of XXXX that has the fiduciary obligation to act in a way that will benefit me, the beneficiary. However, your company is in violation of trust laws as your corporation is accepting my electronic funds transfers personal checks as payment while also redeeming the coupon which is receiving double the payment for the same obligation and that is a crime. This is malfeasance, a violation of trust law and may be reportable under the XXXX XXXXI am indeed without a doubt the beneficiary of the social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you the corporations and agencies involved are the trustee with a fiduciary responsibility/obligation to do whats best for me the beneficiary.The are also in violation of the FCRA and the FDCPA as well as other Uniform Commercial Codes.They also verified accounts and closed my previous disputes without a reasonable explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to removed a fraudulent account even after I have provided them with an identity theft report dated back to the year of 2016 when said account was first opened and when I first acknowledged that the account was appearing on my credit report. I have also attached a copy of the FCRA Section 605B that states ( a ) Block. Except as otherwise provided in this section l, a consumer reporting agency shall block the reporting 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 by such agency of - ( 1 ) appropriate proof of 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 THEY ARE VIOLATION AND HAS STRIPED ME OF MY RIGHTS AND SHOULD BE FINED! I have been working with my attorney to sue for {$160.00} for being in violation of this section of the FCRA and keep INACCURATE information on my credit report that they in NO WAY SHAPE OR FORM VERIFIED IS MINE. NO VIDEO TAPE NO SIGNATURE OF DOCUMENTS SIGNED BY SAID RELATIVE of mines
Product: Credit card

I didn't apply Synchrony PayPal Credit Card, and I'm disputing that I don't have the responsible to pay it, because the person having with my identity theft.
Product: Credit reporting or other personal consumer reports

the collection with wakefield and associates account number XXXX is inaccurate. they did not provide me with original purchase agreement between me and them that I requested from them.
Product: Debt collection

Recieved debt collection letter on XX/XX/2020. Sent a debt verification letter on XX/XX/2020 by certified mail within the 30 days disputing that I owed the debt and requesting verification of the debt. Company recieved debt verification letter which was confirmed by USPS certified mail, but they never sent verification documents. In XXXX they reported to XXXX  as a collection. This is against the Fair Debt Collection Practices Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permissionXXXX XXXX XXXX According to FCRA Section 605B ( a ) the Experian 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: Credit reporting or other personal consumer reports

according to 45 USC16026 c you have violated my right by in lawiul communications please remove this collection off of my credit report thanks You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of several Data Breaches Including Identity Theft. I have also sucessfully been awarded Judgement and suffer extensive losses due to an unknown party creating a Capital One Credit Card in a Company name which I didn't consent.

FCRA Section 605B in addition to Section 611, FCRA expressly states that in the event of Identity Theft The CRA will Block or Delete any account that has been identified accompanied by either a FTC Identity Theft Report or a Police Report. I have done both yet XXXX will Not Delete this account. 
In addition, I have correspondence with from Capital One state Specific Language that they do NOT have information or any documentation regarding me signing any contract. According to the law the account must be deleted from my credit report. 
I am going to file a federal civil law suit as well as press criminal charges for XXXX and Capital One for working in concert to publish this unverified account which has made it impossible for me to purchase a home for me and my 3 younger children to have our own place.