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

XX/XX/XXXX, I made an online purchase from XXXX XXXX XXXX XXXX for {$470.00} for a coffee table. The approximate delivery date was to be 56-84 business days. XX/XX/XXXX, purchase posts on my Bank of America account. XX/XX/XXXX, I sent an email inquiring of the status of my order. XX/XX/XXXX, I received a response apologizing and blaming an employee. They also moved delivery date to XX/XX/XXXX. XX/XX/XXXX, I sent another email inquiring of the status of my order. XX/XX/XXXX, I received a response stating they were still behind but my order was in production. XX/XX/XXXX, I sent another email and did not get a response. XX/XX/XXXX, I sent an email officially requesting a refund. XX/XX/XXXX, I contacted Bank of America to dispute the charge based on fraudulent business practices. I received a temporary credit. On XX/XX/XXXX, BofA notified me they were reversing the temporary credit because it was outside their time frame to investigate the claim. I was never contacted by anyone from BofA to collect the evidence of my claim, which substantiated the extended time frame. On XX/XX/XXXX< I contacted BofA and requested my claim be reopened. I was given instruction to complete a rebuttal letter and provide the correspondence I had between myself and the company. I provided this to BofA on XX/XX/XXXX. On XX/XX/XXXX, BofA removed {$470.00} from my account. On XX/XX/XXXX, I contacted BofA and again requested my claim be reopened. BofA supervisor XXXX, in Arkansas, refused to do so based on being outside the time frame, despite what I was told previously by BofA and the evidence I provided to them. I can share the same with your agency once I am contacted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute multiple inaccuracies on my credit report, which are highly injurious to my credit score. As a documented victim of the Equifax data breach, my personal and financial information was compromised, and I believe the following accounts were either fraudulently opened or inaccurately reported. 

Despite a prior investigation, the following accounts still remain on my credit report, and I am in disagreement with their continued presence. I am formally requesting an immediate re-investigation of these accounts : Accounts to Be Re-Investigated & Removed Equifax : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal Under FCRA Pursuant to The Fair Credit Reporting Act ( FCRA ), Public Law XXXX, I am exercising my rights to have inaccurate, incomplete, and unverifiable information removed from my credit report. The specific FCRA statutes applicable to my dispute include : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires credit reporting agencies to delete information if it can not be verified or is found to be inaccurate during a reinvestigation.

15 U.S.C. 1681c ( a ) Prohibits outdated negative information from remaining on a credit report beyond the legal time limits.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Requires data furnishers to report only accurate information, making them liable for reporting fraudulent or incorrect accounts. 
15 U.S.C. 1681s-2 ( b ) Mandates that credit bureaus and furnishers conduct a thorough reinvestigation and remove unverifiable accounts.

Request for Verification Sources In accordance with FCRA Title VI, Section 611 ( 15 U.S.C. 1681i ), I request the following : The names and business addresses of each individual or entity you verified these accounts with, so I may follow up directly.

A detailed explanation of your investigation process, including the methods used to verify these accounts. 
An updated copy of my credit report reflecting the results of this re-investigation.
Product: Payday loan, title loan, or personal loan

I had called King of Kash and made a payment yesterday XX/XX/2020 around XXXX XXXX and around XXXX XXXX that same company tried to take more funds out even after I had paid and told me that my bank declined the payment although the money isn't back in my account and my bank is saying that the funds were taken.
Product: Mortgage

Green Tree Servicing acquired our mortgage from XXXX in early XXXX, 2015. I paid off the mortgage on XXXX XXXX, 2015 via certified check. Green Tree Serving acknowledges that it was paid in full and advised that they prepared a Satisfaction of Mortgage in XXXX and forwarded it electronically to the XXXX County Clerk 's Office. I inquired with them and they advised that it was not received. I reported this to Green Tree and they advised that they sent it again in XXXX. I inquired with the County Clerk on XXXX XXXX and was advised that it still had not been received. I contacted Green Tree daily from XXXX XXXX to XXXX XXXX via telephone and fax and received a different explanation for what was going on each time I called. On XXXX XXXX, I spoke to XXXX at extension XXXX and he advised that he would look into it and return my call by XXXX, XXXX XXXX. On XXXX XXXX XXXX, I called and was told that XXXX was unavailable but the " notes '' on my loan indicated that he sent the satisfaction for filing that day. On XXXX XXXX, I called the County Clerk 's Office and was told there was still no Satisfaction on file. I called again on XXXX XXXX, and I asked to speak to a supervisor but was transferred to the same " XXXX at XXXX '' and I had to leave yet another voice mail. I called back after I left the voice mail and this time I was advised that it was sent out electronically on XXXX XXXX. I called the County Clerk on the morning of the XXXX and was told that it still had not been received electronically as Green Tree indicated. XXXX XXXX XXXX advises that when documents are received electronically, they are filed immediately. On XXXX XXXX, I called Green Tree again and was told that they would " submit a request '' for me and that someone would call me back. I explained that when I called on XXXX XXXX and spoke to XXXX, he said he would call me back and I still have not received a call or an actual explanation as to what the problem is. The customer service rep transferred me to XXXX again, so I left another voice mail. This is completely insane. They have 30 days to file my satisfaction, not three months.
Product: Credit card or prepaid card

Because my husband passed away onXX/XX/XXXX and because we had made an over-payment on our Discover account, I spoke with Discover mid-XX/XX/XXXX advising them to cancel account and to send a check for the credit amount of {$430.00}. I have called numerous times and they are in agreement that they owe me the {$430.00} amount, but still as ofXX/XX/XXXX have sent no check. They obviously are holding on to MY MONEY as long as possible.

Since they would have charged me interest, if I had owed them the money. They should rightly pay me 3 months interest on their late payment of my money that they are holding. Every phone call to Discover ends in them telling me that they will send the money, but I have yet to get a check.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year>2020 under the account number XXXX, and another personal credit card opened at XXXX XXXX on XXXX XXXX,2020 under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Product: Vehicle loan or lease

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. On XX/XX/2021 I entered a consumer credit transaction with Chrysler Capital which involved a finance charge along with a down payment of { {$5000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Chrysler Capital is in violation of the 15 USC 1605 Truth In Lending Act. Chrysler Capital didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Chrysler Capital is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to XXXX5 USC 1640 and 15 USC 1692K
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my XXXX XXXX account number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
FCRA Violations 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on XXXX and TransUnion demonstrates non-compliance with this mandate. 
15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard. 
TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement. 
The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
Evidence of Error Account Details : Account Number : XXXX Account Type : Installment Auto Loan Monthly Payment : {$260.00} Balance : {$6300.00} Open Date : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) Payment Status : Current Last Reported : XX/XX/XXXX Two-Year Payment History : TransUnion : 30-day late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit reports with TransUnion and XXXX. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, TILA, and PAANL. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX
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 authorized, I was charged 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 settles with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect and unverifiable information on my credit report. It's been 6 months going back and forth with them about XXXX XXXX and XXXX XXXX XXXX. It troubles me that XXXX and XXXX resolved this dispute in a timely manner but Equifax continues to verify. No pertinent information listed nor who actually verified the information that I disputed. I see no point to dispute it with them anymore. I intend to take it to another level. please note that this bureau is violating the FCRA. I've sent the identity theft report and all formal disputes stating such.
Product: Checking or savings account

The full touchscreen ATM located outdoors of BB & T XXXX XXXX XXXX XXXX XXXX, NC XXXX does register " touch '' in extremely cold and extremely hot weather. I have wasted gas and time TWICE going to this location outside of regular business hours only to realize there are no push buttons for choice selection and my finger touches would not work. I spoke with XXXX about my frustrations on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, the weather was cold and the ATM touch sensitivity FAILED. Now, the weather is hot and the ATM touch sensitivity is still FAILING. This location is also where I had a rude and disrespectful banker named " XXXX XXXX XXXX, NMLS # XXXX '' to tell me that I should " pay my bills '' despite the bank emptying my bank account to satisfy a sheriff levy for a ten year old unsecured platinum credit card. I am very frustrated with this location. There are some good people working there, but the bad ATM service is just unacceptable! I don't want a third wasted trip to the ATM. Can they provide better machines with push button capabilities? XXXX said that he would escalate my complaint since it was my second time calling this year.
Product: Credit reporting or other personal consumer reports

Mcm ( midland credit management ) I have disputed several times the two accounts that they purchased that are closed and charged off. They keep coming back as verified. I asked them to provide me the contract that I signed with them to legally obtain this debt. And that it needs to be removed. And they keep stating its verified I have no idea and or contract with this agency.
Product: Debt collection

IQ Data International has attempted to collect the wrong total from me numerous times. I have tried to settle with them more than 5 times and they are not willing to work with me. The last time i called them the manager told me they are not going to work with me at all and i " need to stop talking about something i know nothing about ''. They are trying to charge me interest on a non interest baring account.
Product: Credit reporting or other personal consumer reports

I would like to advise I am an XXXX XXXX XXXX XXXX and also part of the XXXX XXXX XXXX I intend on pre-arbitration and suing each entity for failure to remove any items and make the necessary changes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 602 states I have the right to privacy ( 15 USC 1681 ( section 604 and section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

The following accounts listed need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ The following accounts were opened from identity fraud i demand immediate removal and current and all future blocks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following accounts are fraudulent I have never had any business with this company i have submitted the FTC affidavit here before and you failed to remove these accounts with that being said i am prepared to take legal action if these accounts are not removed 1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original document and wet signature if you can't provide these items Delete them. 

I have attached my FTC report for your review.
Product: Checking or savings account

first citizens bank engage in willful deceit and fraud with respect to when they claim they attempt to clear checks vs when they say they attempt to clear checks. 

the difference is subtle but is all about extracting massive fees from their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX  Inquiry : XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Hyundai Motor Finance in XXXX for a vehicle. I turned in the vehicle in XXXX and was unable to pay the balance due on the loan. In the fall of XXXX, I hired a credit services company to negotiate and most of my existing debts. They connected with Hyundai Motor Finance in XXXX XXXX and negotiated a settlement payoff of {$1800.00}. Hyundai was then given the routing/account number of my bank account to submit an ACH withdrawal with the agreement that the account would be paid in full. 
In XXXX, XXXX I noticed on two credit reporting bureaus XXXX and XXXX, that Hyundai was still reporting a balance due of {$2500.00}. I contacted XXXX and XXXX and submitted disputes to them. I also contacted Hyundai Motor Finance and informed them to remove the account or note the loan paid in full. 
I received results from XXXX on XXXX. XXXX, XXXX on the dispute where Hyundai Motor Finance reported that the {$1800.00} was paid and there is still a balance due of {$620.00}. 

This is false. They agreed to a settlement. I would not have provided my ACH details otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  Ive had that credit card for almost 10 years now Ive never been late Ive always paid it off Ive been unwell call the credit card company let them know I wasnt going to be on time but Id be making a big {$500.00} payment on a {$700.00} balance in a couple of weeks they said fine I called and made my {$500.00} payment they reported me late the credit bureau took 180 points off my credit score its absolutely exorbitant amount to be taking off a credit score for one late I called the credit card companyAnd they told me no one would told me that because its a prepaid card that I got years and years and years ago I can not have my credit score go down that much this is unfair
Product: Credit card or prepaid card

Wife received a letter that wanted personal information. She called and reported it to lenders fraud dept. Never heard back. Attempted to use card - denied. Called & was referred to money laundering dept. Told since she did not respond they closed acct. In order to reopen they want my income, etc. I refused as I have had the card since XX/XX/1976 and have a XXXX FICO. I was never notified of cancellation I am the co-applicant. I am concerned that they will show the card as just " closed '' and that will affect my credit score.
Product: Payday loan, title loan, or personal loan

I have taken a loan out with PLS located on XXXX XXXX in XXXX   XXXX XXXX Corporate office in XXXX, IL My Loan payments are XXXX bi-weekly I can no longer afford my mortgage. 

I want the to acknowledge my revocation of the wage assignment i signed with them I have another loan out with XXXX Both loans are taking me over the 22.5 % of my gross income
Product: Debt collection

TEK Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00}