23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife and I went on a XXXX cruise in XX/XX/scrub>XXXX  2023 and she bought jewelry in the amount of {$3500.00} from XXXX XXXX on board the ship XXXX XXXX. We were offered and took advantage of a promotion on the XXXX XXXX credit card where we were offered 12 months same as cash. When we returned from our trip we received our first invoice which showed an amount of {$5000.00} showing an overcharge of {$1500.00}. This was appealed immediately but rejected ( I am still in the process of appealing this overcharge. ) The overcharge was not authorized, and we have no idea where it came from. I have attached the jewelry invoice from XXXX jewelers along with the first bank statement showing an overcharge. I have called and discussed with both XXXX and XXXX at least seven times with no resolution. I have confirmed the amount that was charged from the vendor, XXXX, who confirmed that the proper amount of {$3500.00} was charged. 

I have attached a marked-up invoice of all credits and charges on the cruise. You will notice the charge of {$3500.00} from XXXX XXXX, but no other charges that are {$1500.00}- which we did not approve in the first place. 

I am very frustrated with this situation as this has been going on for over six months and has not been resolved. I have been given the run around on this with no solutions and hope you can help.
Product: Credit reporting or other personal consumer reports

They are reporting late payment and it is making my score drop. It was supposed to be automatic out of my account. They admitted and apologized but said they cant do nothing about it to contact credit company. I need this off my credit. I have never been late on none of my payments. They made the mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX   -    XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (    XXXX   XXXX  /mo  ) failed to cover a {$0.00} balance on my HELOC accoun t.  XX/XX/XXXX  -  I noticed a 30-59 day delinquent report on my report for my  XXXX    XXXX   reported by  XXXX . This was not reflected on my Equifax re port.   XX/XX/XXXX   -  I contacted   XXXX   requesting that they update and correct my credit score over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the Equifax report but not the   XXXX   report.     XX/XX/XXXX  - I  disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that Equifax was correctly reporting a 100 % payment reco rd.  XX/XX/XXXX  - Wh ile I did not receive   XXXX   XXXX   promised " Dispute Resolution Email '', I noticed that the Equifax reporting history reflected the 30-59 day delinquency within two days of the dispute. Never did I receive an investigation resolution email.     XX/XX/XXXX I a gain asked  XXXX  to correct and update my credit record. Within two days, Equifax corrected the record to reflect a 100 % on time payment record, while   XXXX   did no t.  XX/XX/XXXX  I aga in disputed the record via   XXXX   XXXX   web site claiming that I never received a Dispute Resolution Email the first time reported and that this is still incorre ct. XX/XX/XXXX  No response receive d from  XXXX , but again, my Equifax score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a 30-59 day delinquent charge, coincidental with the dispute of   XXXX   XXXX   repo rt.  XX/XX/XXXX  to d ate, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.
The  XXXX  score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which I may not be aware.
Product: Credit reporting

Listed below under XXXX, highlighted there is XXXX account that has been removed- but that is that is still being reported incorrectly as of XXXX XXXX 2016 by Transunion . 
I have disputed this and they have yet to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Services has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. NCB Management Services is NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Product: Credit card

I goofed! I over paid my monthly credit card bill tremendously. Instead of {$6100.00} I paid {$61000.00}. An overpayment of {$55000.00}!!!!!! 

I requested a refund and B of A agreed to send {$55000.00} back to my checking account. 

But they have not done so. 

This is a B of A credit card and a B of A checking account. It has already been XXXX  days and they are telling me it can take up to another XXXX  days. 

If I owed them {$55000.00}, they would certainly charge me interest. But they are holding onto my money for much longer than is reasonable .....
Product: Credit reporting or other personal consumer reports

This company is reporting false information on my account as a collection when its currently deleted from my XXXX  and XXXX. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX : {$570.00} XXXX XXXXXXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to allow XXXX XXXX to report incorrect data on my credit report. Instead of delaying payments as discussed. They are reporting past due amounts that are incorrect. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit report.
Product: Checking or savings account

On XX/XX/XXXX   someone used my XXXX  to take money from my chime account. I was already sleeping so I hadnt noticed until the morning in which I contacted chime which is my bank. I also contacted XXXX  in which they both said theyll put in a dispute that would atleast take 10 days. However the next day which was yesterday because the dispute wasnt submitted until the 7th I received an email from chime stating that there were no error and conveniently I wouldnt receive documentation on why for another 10 days. XXXX has been still investigating my case and i dont believe chime is taking the proper time to actually investigate my claim if you have 10 days to reach out to XXXX  how is it solved in 1 and they havent even gotten back to me as of yet. Also XXXX  has stated that they didnt receive any contact from chime regarding my dispute. I also cant file a police report due to the fact that they are saying I need the documentation regarding my denial for the police report. I did the proper work I provided all my documentation and presented every solution I had because I dont know the person so I dont know how they were able to use my XXXX  to get money from my chime account. Its just that my chime has been connected for a long time to XXXX. That does not mean I authorized that charge. I have been given the run around and also theyve hung up on me because they cant answer how could they properly investigate a dispute in 1 day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XXXX/XXXX/XXXX  2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX XXXX To whom this concern is received a car loan and I surrender the car so with that being said they auctioned the car off and left me with a balance but the people they referred me to didn't have the correct information for me. 

XXXX XXXX XXXX XXXX XXXX They was another loan place that turned me down for a car loan and it's XXXX hard hits on XXXX it was XXXX ago XXXX ) Student loans are in forgiveness and still showing up on the transunion XXXX XXXX XXXX XXXX needs adjustment the information is incorrect
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did not acknowledge payoff requests in XXXX, and has since refused to provide car vehicle title as requested. Ive since filed several CFPB complaints on the company. The latest being CFPB complaint number XXXX which was closed on XX/XX/XXXX. The complaint outlined the dates over the past 4 years when the account was opened and closed with charged off/written off as bad debt status repeatedly over the past 4 years without any explanation. On XX/XX/XXXX, the company indicated in their response the account was still open, and the car was still out for repossession. In addition, XXXX XXXX XXXX did not provide the 1099-C for the years XXXX for which the account had been reported as written off as bad debt or charged off. Their response contradicts their credit bureau reporting. The account reports newly closed every month which continues to hold down my score. Their inaccurate reporting has caused the loss of funding in the amount of {$350000.00}. It is both unlawful and unethical. XXXX  message continues to be they have investigated, and they are acting in accordance with the law. The are not. They are in violation of several US tax codes, and FTC 15USC1681. 

The company provided a letter with dates which they received communication from me via CFPB and the Illinois States Attorneys Office. However, neglected to acknowledge the dates of the XXXX delivered letters for which I have receipts for. 

I was also advised by both XXXX and Experian the credit bureaus do not complete investigations. Nor do they require the company to provide any proof of what they are reporting. I was advised by XXXX and Experian the company simply has to digitally verify they are providing valid information. Which is another violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be notified that this is now my multiple warning that I fully propose to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Late Date XX/XX/20
Product: Checking or savings account

I bank with Chime, unfortunately, but not for much longer after this experience. 

Sunday, XX/XX/XXXX, I woke up at about XXXX. I immediately saw that there were 5 new charges on my card. 

XXXX XXXX on XX/XX/XXXX : {$100.00} XXXX XXXX on XX/XX/XXXX : {$30.00} XXXX XXXX XXXX XX/XX/XXXX : {$65.00} XXXX XXXX  XXXX on XX/XX/XXXX : {$4.00} XXXX XXXX  XXXX on XX/XX/XXXX : {$4.00} I immediately cancelled my card and called Chime while I was looking for my purse. My car 's passenger door was just slightly open ( I guess I had left my purse in the car after carrying in groceries the day prior ). My purse also had my roommate 's card in it so I could grab them something the day prior. They charged my roommate 's card for a couple XXXX as well. Chime said, on the XXXX, that these transactions were still pending so they couldn't do anything. It was frustrating, but okay, you know? What could I do. 

XX/XX/XXXX the charges finally cleared. My roommate and I both disputed the charges immediately and received an email saying they would investigate. Less than an hour later, I got a denial. I called to figure out WHAT in the world would cause a denial, as they sent absolutely no information as to why. I called to let them know I had a police report, I needed this reopen. A simple investigation would show that what I'm saying is the truth. I even sent them the police report when they agreed to reopen it. I immediately received a denial again and they said they would send me documents as to why within 10 days ( 10 days??? ) My roommate, however, was immediately given a temporary credit and her investigation is still ongoing. She never filed a police report. She never even had to call them.
Product: Mortgage

First National Bank held and serviced my home mortgage until XX/XX/2019. On this date, the loan was satisfied and transferred to XXXX XXXX/XXXX. ( They use XXXX as their servicer. ) Despite this, First National continued to use ACH withdrawal to debit my account two additional ( and unauthorized ) times : XX/XX/2019 XXXX XX/XX/2019 XXXX I discovered these unauthorized withdrawals only after studying my checking account in XXXX. When I called First National, I learned that they sent these payments along to the new mortgage co ( XXXX/XXXX ). I was not notified of these decisions or actions. Furtner, they did this despite also having provided my ACH information to XXXX/XXXX without my knowledge or permission. I spoke directly to 3 FNB reps ( not including anyone they consulted during the course of our conversation ) ; they admitted no error and offered no help other than I should call XXXX. 

After speaking with the very helpful and knowledgeable rep at XXXX/XXXX, I called XXXX back to request that they get the money back from XXXX and put it back into my account as they are legally obligated to do. They were not helpful nor polite. After being on hold for a long time, I was advised that a supervisor was researching it and would give me a call back. As of this writing, that call back has not happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been sent via XXXX receipt all furnisher documents, a dispute letter for notification of fraud due to identity theft, all verification documents, an FTC identity theft report, and a CFPB complaint, and has repeatedly been requested to delete this negative account victimized by fraud due to identity theft, for which XXXX XXXX XXXX was notified by myself in XX/XX/year> of fraud committed by a hotel staff under identity theft and yet continues to willfully, neglectfully, and to cause personal financial and emotional harm by disregarding FTC, CFPB, and citations and if found to willfully, knowingly report inaccurate information may be held liable statutorily, and punitively inclusive of attorneys fees. This has been evidenced in defiance of the FTC, CFPB, and FCRA under fraud due to identity theft, and XXXX XXXX is repeatedly acting in direct opposition to regulations and laws in violation of my protections. 
Delete this negative account from all bureaus immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Formal Dispute and Notice of Civil Liability Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, entities are liable for negligent noncompliance that causes harm. The following errors have negatively impacted me : XXXX XXXX XXXX Account number beginning with XXXX Balance of XXXX According to the FCRA, you are required to investigate and correct these inaccuracies within 30 days. If you fail to comply, I may pursue legal action for damages, including : 1. Preventing me from becoming a homeowner for my children due to your negligence.

2. Attorneys fees and legal costs, as permitted by law.

I request that you : Conduct a thorough investigation and provide me with the results.

Remove or correct the inaccurate information.

Provide written confirmation of these actions.

Please consider this my final attempt to resolve this matter amicably. If you fail to comply, I will explore all legal remedies available under the FCRA. 

Sincerely, XXXX XXXX
Product: Prepaid card

I was given a {$250.00} vanilla gift card for XXXX, XX/XX/XXXX I entered my card online for a subscription several days later the company notified me that when they attempted to process the payment the card declined. I had never used the card and it had always been in my possession. I called the number on the back of the card and was advised that there was no funds on the card and it was used at XXXX in California. I told them I had not been to California and I did not do this. I was told I needed to file a dispute and the information would be sent to me with instructions I received the request to provide copy of receipt and front and back copy of card. I contacted the person that gave me the card and was able to get a copy of the receipt all requested information was sent on XX/XX/XXXX, I made a follow up call to make sure everything was received and they confirmed that it was. I have made numerous calls since XX/XX/XXXX to check on status and I have been getting the runaway after being told the investigation was near the end call back in XXXX  days, XXXX  days, call back tomorrow. I was told on XX/XX/year> that the card will be activated in XXXX  days. Why would a fraudulent card with no funds be activated. Based on the companies response it appears they have no intentions of refunded me and are just stringing me along. I have requested a refund and have even spoken to a supervisor and still get the same runaround. Please assist in getting my money refunded.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit XXXXnformation I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

I deposited check number XXXX drawn on the account of XXXX XXXX for Congress, held with XXXX XXXX Bank, XXXX, Michigan XXXX XXXX XXXX XXXX account XXXX XXXX XXXX into my account XXXX XXXX XXXX XXXX XXXX, with Capital One XXXX XXXX XXXX XXXX account XXXX on XXXX XX/XX/2022. The check cleared XXXX XXXX Bank. 

My account with Capitol One was opened in XX/XX/2022. This is the first check that I deposited with Capitol One. Capitol One accepted the check for deposit and placed a four day hold on the deposit. 

On XX/XX/2022 two days after deposit, Capitol One instructed me to contact them. When I called, we discussed the purpose of the check. I explained that it was a paycheck. Capitol One asked whether I had actually done any work for XXXX XXXX. I explained that I had. Capitol One insisted that they must speak with XXXX XXXX. I explained that I would ask but the conversation would be difficult, because we elected not to continue our consulting contract. 

Capitol One explained that they would close the account and continue to hold the funds. 

I spoke with XXXX XXXX. XXXX XXXX provided a copy of the cleared check. XXXX XXXX agreed that Capitol One could contact him. 

I called Capitol One again but could not reach a human. The line asked form me to leave a voicemail, which I did with instructions on how to telephone XXXX XXXX on ( XXXX ) XXXX. 

On XX/XX/2022 two days after leaving the voicemail with the information requested by Capitol One, I called again, because Capitol One made no attempt to telephone XXXX XXXX, the drawer of the check. Again, it is not possible to reach a human and I left the information requested by Capitol One in their voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the accounts listed below : 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXXXXXX  XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXXY XXXX Ref XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 an account without my written instructions.