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

The XXXX XXXX Credit card company was overpaid by mistake for {$5700.00} which was cashed on XX/XX/20. It was an over-payment of XXXX as I mixed up payments between XXXX XXXX XXXX and XXXX XXXX service credit card. I have since been trying to get my money back in the amount of {$5100.00}. 

I have called 4 times times, and each time I am told the check will be mailed in two weeks. It has yet to arrive. Today I tried to call and was put on hold for over 30 minutes twice. The last time I spoke to XXXX employee # XXXX on XX/XX/20. He informed me it would be mailed out in two weeks. It didnt. 

Today on XX/XX/20 I still have not received a check and was told by XXXX XXXX # XXXX ( from Tennessee ) that there was an investigation and they still had not mailed out the check but would mail it out today. And would take two weeks, then he changed his conversation and said two business weeks, then he changed it again and said 17 days. 

I do not believe them at this point. If I owed them this much money they would have called me non-stop and charged me interest. Unfortunately I cant charge them interest and they have never called me or even told me that the money was being delayed due to some made up investigation. They keep changing their story to cover their incompetence. I would simply like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I recently got an alert from XXXX XXXX   showing 3 new accounts of which I did not open. I love in Pennsylvania and these accounts wheee opened in XXXX New Hampshire in the amounts of {$1500.00}, {$1700.00}, and {$2000.00}. I have no idea how these are in my name!! I dont want to have to have this debt when I have no idea where it even came from or how it got there. It shows up as XXXX XXXX XXXX and they used the same account but have 3 different amounts. This occurred on XX/XX/2017. I dont know why I didnt get an alert sooner but as soon as I looked at my XXXX XXXX account I contacted you all. Please help me!!
Product: Checking or savings account

Awhile ago, I suspected someone or maybe more than one individual having access to my account at USAA, withdrawing/embezzling money from my account. I contacted USAA regarding and asked them to do a total review of my account given that. Additionally, the NSF fees were, at times, being applied erroneously in which USAA corrected. USAA was fined, not long ago, for fee issues and the like. Over the past year, I have large deposits into my checking account from EEO/discrimination cases with the Federal Government ( i.e. {$78000.00}, {$49000.00} and {$27000.00} ). I know that I have expenses and bills, but I also receive deposits per retirement from the VA and OPM. I suspect that my money is being mishandled or removed from my account by someone who is dishonest in their efforts. I want to ensure that this is not, in fact, the case given the fines USAA has faced. I have been a member of USAA Federal Savings Bank for 22 years and I am sure that this request ( total review of my checking account ending in XXXX ) can be done to ensure money is not being stolen. While I value USAA as a business entity, as a XXXX veteran and a single parent, I must look out for myself, as the money deposited has gotten missing quite fast and I just want to ensure that it is nothing illegal occurring.
Product: Credit reporting or other personal consumer reports

I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) to formally dispute the inaccurate information listed in my consumer report maintained by LexisNexis. The FCRA requires that consumer reporting agencies maintain accurate and complete information and allows individuals to dispute any inaccuracies. 

Upon review of my consumer report, I have identified several errors that I am requesting be corrected or removed. Below is a summary of the inaccuracies : 1. Incorrect Personal Information : My correct name is XXXX XXXX. The following names are inaccurate and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is XXXX XXXX XXXX XXXX XXXX  TX XXXX. Any other listed addresses should be removed. 

My only phone number is XXXX. Please remove any other phone numbers. 

2. Unauthorized Inquiry and Account Information : I have never had an account with XXXX, nor have I made any inquiries or held insurance with them. Please remove any references to XXXX from my consumer report, as this information is inaccurate. 

3. Incorrectly Associated Individuals : The following individuals are not associated with me and must be removed from my C.L. U.E consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Bankruptcy Record Discrepancy : You previously indicated in your investigation that no bankruptcy record is on file or reported to the three major credit bureaus ( XXXX, XXXX, and XXXX ). However, my consumer report still reflects a bankruptcy record with XXXX XXXX XXXX. 

Under the FCRA, inaccurate information such as this must not be included in my consumer report. Please remove all bankruptcy records immediately. 

If you determine that any of the disputed information is verified, I request that you provide : The source of the verification, including the name, address, and contact phone number of the verifying entity. 

If you are unable to verify the disputed information or locate the related records, I am requesting the immediate deletion of these items from my consumer file, as mandated by the FCRA from my Consumer Credit Report and notify XXXX, XXXX and XXXX XXXX 

Please confirm receipt of this letter and provide me with an updated copy of my consumer report once the necessary corrections have been made. I trust that you will handle this matter promptly and in compliance with federal law. 

Thank you for your attention to this matter. Once completed and all inaccurate accounts removed, please kindly provide a copy of my updated consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 5.

Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws
Product: Mortgage

The bank obtained the property through a foreclosure. To the best of my knowledge any efforts to date to sell the property have been by an online auction process. This process has not allowed for interior inspection prior to the auction bid and could be one of the reasons why the minimum amount required by the Bank has not resulted in a sale. The home has remained vacant since XXXX, XXXX. The Bank is not maintaining the property. As President of the XXXX XXXX in which this property is located and as a home owner who lives XXXX doors from this house, I 'm particularly concerned about the vacant status and lack of maintenance of this home. A letter was sent to JP Morgan Chase XXXX/XXXX/XXXX requesting they work with the XXXX XXXX to retain a local Real Estate Agent who could market the property for them. A reply was requested by XXXX/XXXX/XXXX. To date ( XXXX/XXXX/XXXX ) we have received no response.
Product: Mortgage

In XX/XX/XXXX, Mr. Cooper Group Inc. erroneously charged our escrow account {$5400.00} twice for property taxes ( on XXXX and XXXX ). This error caused our escrow balance to go negative and increased our upcoming mortgage and escrow payment by {$990.00} ( from {$3200.00} to {$4200.00} ). Upon seeing this issue, we contacted Mr. Coppers Customer Service to correct this erroneous duplicate charge. We were initially informed by a Mr. Cooper representative that they had made an overpayment to the county and that they would request a refund for the extra payment. We subsequently received a follow-up communication from Mr. Copper indicating that the county refused to return the duplicate payment, but that the county would apply the extra amount paid to our upcoming XXXX taxes. 
To confirm this was accurate, we subsequently called the Countys Tax Office. However, a county representative said that only one payment had been billed and received. They even provided a tax ledger confirming our XXXX tax charges and the payments received. We then followed up with Mr. Cooper reiterating our request to reverse the duplicate payment and noting that the county only received one payment. We also shared, via fax, the countys ledger with Mr. Coopers Tax Team as proof of the duplicate payment.

Finally, we have received so much conflicting information from Mr. Coopers representatives as well. For example, one representative did confirm that the duplicate issue was the fault of Mr. Cooper, while another revealed that their payment vendor XXXX XXXX, and not the county was the entity refusing to make the refund. Despite our repeated attempts via phone, email, and fax, to reach a resolution with Mr. Cooper and their self-admitted error, the matter remains unresolved and we are still expected to make the higher payment on XX/XX/XXXX, which puts an unnecessary financial hardship on our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent opening of credit card by identity theft. Stolen ss #. Reported to Washington XXXX police. XXXX XXXX nj. 
XXXX denied fraud claim.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, XXXX XXXX ) ( Collection )
Product: Mortgage

company pushed its guidelines when it was not possible for me to adhere to and made an exception for me. now company refuses to admit this scenario
Product: Debt collection

Dear sir/madam, I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation.

In order to reconcile these issues, l once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt. 2.

A detailed account statement delineating the claimed balance. inclusive of all charges, interest, and penalties. 3. The contract bearing my explicit signature, thereby establishing my liability towards the debt. 4. Please note that the legal concept of " estoppel by silence '' ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action.

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a loan open in my credit redit report, with Experian. I disputed it w Experian and sent an email to XXXX XXXX  on their website, never heard anything back from the bank and Experian told me it was accurate, never did I receive a loan, one reason I have terrible credit, second reason I am in Arizona n why would I get a bank loan from XXXX, third I've been trying to get approved for even XXXXdollars and still denied. Fourth why do I not have a document concerning that loan, fifth how does Experian know it's accurate was it in my name, my address my account, I've been shown nothing and last why am I pushing this dispute this far? Obviously there is a problem. I never got a copy of the email because it was on their website, I tried looking in my email and the address comes up but says no documents. Strange the address comes up but not the email.
Product: Credit reporting or other personal consumer reports

Since XXXX I have been fighting this issue when either in XXXX this school was deemed fraudulent. 

XXXX XXXX XXXX XXXX XXXX. these loans where deemed to not be valid since the school was fraudulent. these loans are still on my credit report as well as my check has been garnished for these same loans by a debt collector
Product: Checking or savings account

I tried to deposit {$840.00} into my account with a us bank atm, it seized up at {$500.00} and printed out an error receipt for {$450.00}, I took the remaining {$340.00} into the branch and deposited it to a teller, I called the us bank number on the receipt and made a claim for {$500.00}, I received a credit for {$160.00} and they sent a letter saying this was the amount of the claim, I called them and told them Im owed {$340.00} but just got the run around on the phone for hours and was eventually hung up on.
Product: Consumer Loan

In 2012 by using the online service Swap-A-Lease and the approval of Mercedes Benz Financial Services ( MBFS ) we were able to swap a vehicle with XXXX XXXX. We asked MBFS if they had done business in the past with XXXX and their response was yes, which gave us peace of mind. Our vehicle was in outstanding conditions, we attached the XXXX Report with the swap information. On XXXX/XXXX/12 we successfully handed the vehicle over to a lady representative of XXXX and immediately mailed the payoff check to MBFS, who also sent us the Lease End Statement. Two months later MBFS sent us a letter saying the check had no funds and the car had been repossessed on XXXX/XXXX/12. 
The original payoff letter/quote was valid until XXXX/XXXX/12, but MBFS repossessed the car a full day before the end of this committment. MBFS never informed us of the insufficient funds check until XXXX. In the time MBFS kept this information from us we had already committed to a new smaller vehicle, a XXXX XXXX. We called XXXX XXXX to ask what had happened, they said they had asked for 3 more days to cover the check but since it had been taken from them, they now had no reason to cover that check. While the car was away somewhere it apparently had some hail damages which got fixed, again without our knowledge. So the balance on the account is XXXX + XXXX for repairs that we were never made aware of, we just simply have to pay. When a car is taken in for service even a {$15.00} part is first consulted with the owner, but in this case nothing has been consulted with us, we feel this is Consumer Deception. 
If MBFS really felt that we were still responsible of this car, why did they not get in touch with us as soon as they realized the check had no funds? We would 've reached out to XXXX and maybe offered to pay one more month in order to give them the opportunity to gather the funds for the check. Why did n't MBFS reach out to us showing us the hail damages before proceeding with repairs? Until today we have not seen a single picture of the damages, it 's just been their word. 
When a house is sold and the new owners default on their payments, the bank does not go back to the previous owners, they collect on the new owners. Why is MBFS collecting on a debt that we released with their approval and on which MBFS sent us a Lease End Statement? We feel that it was MBFS who broke the Agreement, they did not comply with the provided Payoff Date, they repossessed the car without our consent and they made repairs also without our consent. We believe MBFS did this knowing that the vehicle was no longer our responsiblity, that 's why they made these decisions on their own. We have been called through several collection agencies and threatened with legal action.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX credit cards on my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent activity on my credit file resulting from a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized accounts from my credit report : Fraudulent Accounts : 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
Product: Credit card

I had opened an account with CareCredit to pay for a dental procedure. I was told that I would have no interest if it was paid in the XXXX XXXX months. At the conclusion of that time period I was charged accrued interest and my balance skyrocketed above what it originally was. I never received any notification when I signed up for a CareCredit account of the accrued interest or any notification by phone, email or regular mail that this would happen nor did I receive any notifications when the date was upcoming. This company has been sued and were mandated to issue refunds to over a XXXX consumers, I became a customer prior to this suit and have been a victim of the same deceptive practices. I have requested a refund or at least a reduction in my interest rate and have been denied XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 Equifax website would not permit me to log in. 
The XXXX website said it was temporarily unable to process the request to login. 
I then called the equifax automated system to lift my credit freeze and the automated phone system did not recognize my inputs. Both the website and phone system is malfunctioning. The number I called is XXXX XXXX XXXX the website is XXXX
Product: Checking or savings account

Early 2024 my bank, Flagstar Bank, revamped their website, mobile app and entire banking interface with customers. 

On XX/XX/year> I attempted to pay my independent contractors using the XXXX account associated with my business checking account at Flagstar Bank. When I logged in, I saw THREE accounts listed as associated with my XXXX when I only have two accounts. I contacted Flagstar and asked them to remedy their mistake- I had no idea if the additional account was mine or someone else 's, but it clearly was created by their interface revamp and I didn't want to be using another member 's money so I asked them to correct their XXXX error. 

Within an hour, Flagstar responded that they " fixed it '' and I should sign up with XXXX again. Unfortunately, their " fix '' was the end of my ability to access funds digitally across all internet platforms from all banks using all accounts ( business or personal ) for payouts to my contractors. It appears Flagstar 's account creation error and subsequent " fix '' flagged anything associated with my social security number in US digital banking. 

I now can not send payments using XXXX, XXXX nor XXXX with any bank I do business with ( Flagstar and XXXX XXXX ), using any account I am associated with ( XXXX XXXX accounts and two personal accounts at the above mentioned financial institutions ). 

I contacted Flagstar immediately via telephone on XX/XX/XXXX and ongoing as well as ongoing via email and they have no solutions and very infrequent communication with me. 

I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and ongoing via phone and their internet messaging and they have no solutions and no further communication. 

I've contacted XXXX via help desk and they offer no solutions and have no further communication. 

I am unable, as a user, to contact XXXX directly. 

Being unable to pay XXXX XXXX digitally cripples my XXXX. It has been two months and no company has offered a solution and all have been in little or no communication.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Charge Off Company Name : XXXX - Account # : XXXX - Balance : {$460.00} Company Name : XXXX  - Account XXXX : XXXX - Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened under my name with XXXX XXXX issued by XXXX XXXX.. I am afraid I may be a victim of identity theft. I am not aware of this account at all and I tried to dispute these accounts but they came back as verified. They are still sending me statements and I don't know what to do. If something was ordered where was the merchandise sent? they claimed i bought two pair of sneakers. I got the statement again and it included a late fee this time.