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

The problem I am having is with Best Buy Credit Card. Currently I have an overpayment on my account, in the amount of {$2600.00}. How this occurred, is that my wife and I made payments on our account to avoid interest on 0 % interest purchases we made with Best Buy, that were coming due soon. While in the meantime, we refinanced our house ( XXXX 2021 ) and used our equity to pay off credit card debt. In this process, the title agency issued my wife and I checks to send to our lenders. 5 in all. In doing so, this has caused us to inadvertently have a large overpayment with Best Buy. In trying to rectify this issue, I have called numerous times requesting that the funds be returned to me. Across all of these calls, I have at times been required to provide further information about the overpayment. Only to find that Best Buy Credit Card Company has flagged this as fraud. I have been more than willing to provide any requested information, both verbally over the phone and via fax. Yet I am still being treated as though I am a criminal and I am very worried that we may struggle getting our money back. I have been a long time customer of Best Buy and their credit card company and have had no issues in the past. Any help in this matter would be greatly appreciated. The attached documents are what Best Buy Credit Card Company has requested that I fax them, which I did on XX/XX/2021. As you can see, they represent, my account information and the overpayment check from our title company.
Product: Student loan

Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Dear Equifax, You ignored the last 2 disputes about this issue and removed all the accounts but this one account I have no association with this account remove the account or Im showing all of this to the attorney general. I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). You are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- XXXX XXXX opened XX/XX/year> XXXX - Address : XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations.
Product: Mortgage

On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. 

XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. 

We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.
Product: Mortgage

In XXXX, I noticed my Escrow account was incorrect and my payment went up {$500.00} a month! 

I received a delinquent tax bill from the county I live in. My mortgage company paid my neighbors taxes instead of mine. ( Mine is $ XXXX they paid $ XXXX XXXX. 

I asked them to pay mine, they paid the incorrect amount yet again paying the amount the neighbors owe. ( They do not have the same mortgage company ). The mortgage company has yet to fix it and readjust our escrow. 

We are serviced through United Wholesale Mortgage.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding a breach of my privacy as a Zelle user through XXXX XXXX. As a customer, I entrusted your platform to safeguard my personal and financial information, but it appears that my privacy was not adequately protected. 
This incident not only undermines my confidence in Zelle but also raises serious concerns about the adequacy of your privacy and security protocols. 
The breach of my privacy has caused me emotional distress, because I feel like I cant trust any company. I am particularly disappointed as Zelle and XXXX advertise security and privacy as key features of their services. 

As a resolution, I request the following : XXXX. A detailed explanation of how this breach occurred. 
2. Steps Zelle and XXXX will take to ensure my privacy is protected moving forward. 
XXXX. Any compensation or remediation you offer in light of this incident. 
4. Immediate action to address any security vulnerabilities in my account. 

Please treat this matter as urgent and provide a response within a reasonable timeframe. I trust that you will take the necessary steps to resolve this issue and restore my trust in your services. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer reports on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with CAPITAL ONE AUTO FINANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE AUTO FINANCE for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I applied and got Amex EveryDay Preferred with XXXX bonus reward points after spending XXXX in the first 3 months. I rapidly exceeded spending the XXXX and then a lot more before the 3 months deadline. Then I kept waiting for the XXXX membership rewards points to post on my account. 
On XX/XX/XXXX I contacted American Express via the Chat box. The representative acknowledged that I met the conditions and I qualified to get the XXXX membership rewards. I was told to wait 8-12 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative acknowledged again that I met the conditions and I should be getting the XXXX membership rewards. I was told again to wait 6-8 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative and then a manager both acknowledged again that I met the conditions and I should " soon '' be getting the XXXX membership rewards. I was told to wait another 6-8 weeks for their investigation into the matter to finish. 
In my opinion, American Express not crediting the XXXX bonus membership rewards after 3 inquiries shows either gross incompetence or bad intention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Opt-Out and Information Suppression I am in receipt of your letter dated XX/XX/, referencing my request to opt-out and for information suppression from all LexisNexis products ( See attached Supporting Document # 1 ). 

In your letter, you state that I have the option to have my information suppressed from all LexisNexis consumer-facing products, Accurint Contact and Locate Report, Accurint Comprehensive Report, XXXX Report, and my XXXX Report. 

This shall serve as my formal written request for LexisNexis to suppress all information pertaining to me and/or any of my identifiers from all LexisNexis products XXXX Thank you for your assistance and attention to this matter.
Product: Credit reporting

Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act CREDIT ACCEPTANCE CORPOR, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX Get more credit hacks tips from buying the masterclass ebook for {$12.00} limited time only hurry!! # creditscore # howto # favoriteXXXX # creditrepair # MasterClass # credit # Repost 5 Original audio J Try It XXXX
Product: Money transfer, virtual currency, or money service

So randomly today around XXXX i get an email from paypal they literally banned my paypal saying I can no longer do business with them, and I only used it twice to get payments, XXXX payment days ago of {$350.00}, a couple days ago {$600.00} which they reviewed for 24 hours and then it passed the review and all of a sudden, today, they email me saying im limited permanently. This is so ridiculous I didn't do XXXX at all. I use paypal for family and friends and I even have a business one. This is ridiculous I need this ban lifted, I didn't sell anything on this paypal, or even get any disputes. Only XXXX person has sent me money. I need this ban gone, its how they abruptly ban you off their platform without any sort of explanation.
Product: Credit reporting or other personal consumer reports

Experian Re : Request for Information on Debt Account XXXX XXXX XXXXXXXX Dear Experian, I am writing to request the following information regarding the debt account referenced above. In order to properly assess my situation and ensure accuracy in my records, I kindly ask that you provide the following details related to this debt : The date of my last payment on this account. 
The date the account was charged off. 
The date the account was first reported as delinquent. 
Please provide this information in writing at your earliest convenience. I am not disputing the debt at this time, but I would appreciate your prompt attention to this matter. 

Thank you for your cooperation. Should you require any further information, please do not hesitate to contact me. A charge off can not be collected as it was transferred to a trustee and can not be transferred back. 

Sincerely,
Product: Credit reporting or other personal consumer reports

It's been such a long time that I have been trying to fix these errors that are being reported on my credit report yet my disputes kept getting ignored I already had enough, it is detrimental- negatively impacting my overall well being and my credit score which is not good for me and my financial freedom.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 To : Equifax Fraud Division Dear Equifax Fraud Division, I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that Equifax may be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX race and faith, have experienced similar issues with Equifax. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that Equifax is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against Equifax. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.
Product: Debt collection

I reached out to rent debt and asked for verification letter to verify I debt that should have never been owed, the apartment that I lived in should provide a detailed description of charges, nothing was ever provided. I have rights under 15 usc 1692c [ c ] and 15 usc 1681b and that I will need a detailed deb validation to see how I will need to go about taking legal action against this illegal report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes upon checking my credit report I noticed several inquiries that I didnt recognize! I will list them below as well as the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

I have no recollection of this debt. They used to be LVNV Funding but I guess they went through bankruptcy, so I don't know if I would still owe a debt. now the company name is Resurgent Capital Services and there is no option to make a payment, no account number listed, and no amount of debt listed that I owe. All that is listed in my email. I would like to get this debt account removed from my credit file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I am writing to file a complaint regarding what turned out to be fraudulent charges purchased on my Navy Federal bank account for down payments on XXXX vehicle purchases over the past XXXX years. I am a consumer and have been a long time member of Navy Federal Credit Union. 

In XXXX XXXX I purchased a vehicle from XXXX in the down payment amount of {$4500.00} and XXXX XXXX I purchased a vehicle with XXXX XXXXXXXX XXXX in the down payment amount of {$1000.00} using my Navy Federal card account on both transactions. The down payments for the transactions were both made using my debit card. However, upon further investigation, I discovered that the dealerships had violated my rights and committed fraud by illegally charging me for down payments that were unlawful. 

Upon discovering this fraudulent activity, I immediately notified Navy Federal and requested a chargeback or dispute for the transactions. Although I initially authorized these charges, I later realized that they were fraudulent based on my review of the car contracts and relevant laws.

Despite providing Navy Federal with evidence that the transactions were fraudulent, I have not received refunds for either of the unauthorized down payments. I have taken all necessary steps to rectify this situation, including providing documentation and explanations to Navy Federal, but to no avail they have denied both of my disputes without properly investigating or without providing me proof of an investigation. Under the Electronic Funds Transfer Act, consumers have the right to dispute errors and request investigations, and financial institutions must promptly investigate and correct errors. 

I am deeply concerned about the lack of action taken by Navy Federal to address this issue and to protect me as a consumer. I believe that I am entitled to a refund or a chargeback for the illegitimate charges, as the dealerships knowingly and willingly charged me for down payments that were unlawful. The ( EFTA ) requires financial institutions to provide procedures for resolving errors related to electronic fund transfers, including unauthorized transactions, errors in account balances, and other discrepancies and NFCU never provided me with the steps or procedures for investigating. They responded back to me rather quickly that my claim was resolved. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and ensure that Navy Federal complies with its obligations to protect consumers from fraudulent transactions. I also request that the CFPB take appropriate enforcement action against Navy Federal if it is found to be in violation of consumer protection laws and regulations. 

I appreciate your prompt attention to this matter and look forward to a resolution that is fair and just.
Product: Credit card

We used our credit card to make a purchase of 2 bottles of water from a storefront while in XXXX on XXXX at approximately XXXX local. The total purchase price should have been XXXX. We noticed when reviewing our billing statement that we had been charged XXXX ( {$450.00} ) for the transaction, and immediately started the dispute process with Citibank on XXXX. Citi provided a conditional credit of {$440.00}. 

Citibank asked us for additional statement/information on XXXX, which we returned on XXXX XXXX. They asked for a copy of the purchase receipt- which we did not have, as we were not provided one. We explained this to Citi, along with attempting to contact the merchant to either fix the problem or obtain a receipt. We have been unable to obtain a phone number for the business. 

Citi bank closed the dispute on XXXX XXXX, with a finding that the customer ( me ) was responsible for the charge, as we could not provide a purchase receipt. To our knowledge, the investigator did not make any attempt to actually contact the merchant or obtain any amplifying information about the purchase. 

I have asked Citi to re-open the investigation, as I am continuing to attempt to gain contact information for the vendor.
Product: Checking or savings account

My card and ID were stolen from my vehicle on XX/XX/year>. I reported my stolen card to PNC on XX/XX/year>. On XX/XX/year>, the people who stole my card were able to get my bank account numbers from the PNC XXXX XXXX teller and made an unauthorized withdrawal of {$1100.00}. The people who stole my card were able to use my debit card as ID on XX/XX/year>, which had been reported stolen on XX/XX/year>, to get access to my checking account and my savings account, taking money out of my savings account.