23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I accidentally paid my Bank of America credit card bill twice. My statement balance was {$4700.00}. I paid it twice by accident, and contacted Bank of America on XX/XX/XXXX ( the day I discovered I had overpaid ), and was told it would be refunded directly to my bank. I asked that it be expedited given the amount of money, but was told it could only be done in 8-10 business days. I called several more times, and was not able to expedite it. In my last call, BOA told me that they had actually mailed a check, which I did not request or authorize. Yesterday ( XX/XX/XXXX25 ) was 10 business days, and I still don't have my money. This was my XXXX, 2025 statement, due XX/XX/XXXX 2025. I paid {$4700.00} on on XX/XX/XXXX and XX/XX/XXXX2025. 

BOA has been very difficult to deal with. They have kept nearly {$5000.00} of my money, and have made no effort to refund it with any urgency. For all I know, they still have not refunded it ( I have not received a check or a credit in my bank account ). I do not know what their company policy is regarding refunds of overpayment - I have not seen anything in writing that would permit BOA to keep the money and/or take this long to refund it. If I had been one day late on my cerdit card payment, they would have charged me interest immediately, but I have no similar recourse against BOA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the XXXX Data Breach that has led to several fraudulent accounts, names, addresses, and credit inquiries being reported on my credit file. I invoke my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate action. 
Failure to comply with these federal laws will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing civil litigation for damages. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block You are legally required to block any information resulting from identity theft within four business days upon receiving proof of identity theft. I have enclosed my FTC Identity Theft Report and relevant police reports as evidence. You must comply immediately. 
FCRA 611 ( 15 U.S.C. 1681i ) Dispute Process and Investigation You are mandated by law to investigate and remove any disputed information within 30 days. If you can not verify the information, it must be deleted. Non-compliance with this section will be treated as a direct violation of federal law, and I will escalate the matter legally if necessary. 
FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Providing Records to Victims of Identity Theft I am formally requesting copies of all records related to the fraudulent accounts and inquiries linked to my identity. Under the law, you must provide these records. Failure to do so will be treated as a breach of FCRA compliance. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Furnishers of Information Furnishers are legally obligated to ensure the accuracy and integrity of the information they report. Inaccurate information must be corrected or removed immediately. Non-compliance with this section will result in legal action and the pursuit of damage
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing presence of fraudulent items despite our repeated attempts to rectify this issue. As we enter the several attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems. 

Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance XXXX : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I recently filed a complaint about portfolio recovery attempting to collect a debt without properly giving me notification for the following account XXXX. I requested that they provide me with evidence that they gave me proper notice allowing me to dispute the debt before it reached my consumer report however they did not provide that document. I also requested the purchase agreement since they claimed that they purchased the debt but they also failed to provide that ( complaint # XXXX ). Now I am certain that they are attempting to collect a debt that is not owed and are falsely reporting an account on my consumer report without having any proper verification. Pursuant to 15 U.S. Code 1692g ( c ) Failure to dispute the validity of a debt can not be construed as admission ( I never received proper notification nor have they provided proof I received notification ). This is a huge violation of the consumer protection act and this is going to be their last chance to rectify this situation by deleting this account from my consumer reports before I seek further action. If Portfolio recovery believes otherwise, then I demand that they provide the certified green return card bearing my signature at least 30 days prior to reporting this information AND the purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to information in XXXX. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Student loan

On XX/XX/23, as per Mohela 's instructions, I sent a secured message instructing them how to apply an incoming payment sent electronically from my XXXX XXXX XXXX award account. I included the required information such as the loan number and account number to which the payment should be applied and specified to apply it to the principal of the loan. Despite following Mohela 's instructions for payment handling directions, the payment was applied to the interest portion of the loan and not the principal. 

On XX/XX/23, I finally received a response back from my message indicating that the payment was applied to the account and told that XXXX  payment history reflected this. But this was incorrect, as the payment history specifically showed the payment being applied to the interest and NOT the principal, as per my instructions. 

Mohela intentionally ignored my specific instructions for handling payments even when provided with the information they require.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Checking or savings account

I just explained the situation on previous page.Chase bank fraud dept.has declined my claim for UNAUTORIZED AMOUNT OF MONEY .This was not in any way a mistake on my part these people stole from me.I sent a copy of my reciept to you.My bank statement has XXXX UNAUTHORIZED CHARGES FROM THIS PLACE THAT IS NO LONGER THERE AFTER JUST 3 WEEKS as i went there myself to confront these guys for stealing from me.These guys charged {$2000.00} that was UNAUTHORIZED AND I WILL NOT JUST LET THEM GET AWAY WITH THIS.Chase has no reason for me why they denied my claim just that they wont reopen it or start a new claim.I will file a police report against these crooks at the very least.I have now seen what this company is all about now that this has happened and they stole my money it was NOT AUTHORIZED and Chase Bank has not protected me instead they are allowing them to steal from people.I will close my account with Chase tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why theyre there. I checked my credit report as I always do, but this time, there were unexplained discrepancies. Hoping it was a glitch, I refreshed my browser, but nothing changed. The inquiries remained. This issue needs to be resolved immediately, and I request a thorough review of the documents Ive provided to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Requested a cease and desist from CREDENCE RESOURCE MANA CREDENCE RESOURCE MANA Address XXXX, TX XXXX Account number : XXXX **Subject : ** Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ). I am writing to inform you that I refuse to pay the alleged debt associated with your collection efforts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 

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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Debt collection

Kohls order XXXX was placed on XX/XX/23, for the price of {$64.00}. The order delivered on XX/XX/23. The entire order was returned on XX/XX/23, but only {$53.00} was refunded at the time of returning the order. I was unaware at of the outstanding balance of {$10.00}, on my Kohl 's card, until I received a call from collections. I explained my situation to them. They said they would close the case and bring my Kohl 's card balance to XXXX. Since my first call with Kohl 's collections, I have had quite a few more. Each time I have to explain my situation as if it was the first time. They all have said they would " handle '' it, but so far the outstanding balance keeps going up and I keep getting calls from Kohl 's. Meanwhile, Kohl 's submitted a " failure to pay '' entry on my credit report, which consequently lowered my credit score by XXXX points. To say that I'm heated is an understatement.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase from a website XXXX which requested payment with a Vanilla Visa card. I purchased a 500 Vanilla card with my debit card at XXXX on XX/XX/22 and completed the transaction on the same day. Got suspicious when I could not reach the company and called the gift card company to find out that XXXX charged more than the 460.00 that the item cost and receipt email reflected and they charged {$490.00}. They apparently just stole XXXX from me. I believe that Vanilla card should refund the full amount since this was fraud. I have submitted a complaint with them as well.
Product: Mortgage

I have been working with XXXX XXXX XXXX ( XXXX ) for XXXX years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission. The assumption is now under review. ( attached document ). This process has taken so long due to the fact the mortgage company would not accept the Legal Affidavit submitted by my attorney. This affidavit is the legal document required for XXXX for the Deed. XXXX have just accepted this document in the past ( approx. ) 2 months. 

XXXX stopped the Sheriffs Sale for XX/XX/2022. However, their attorney and/or XXXX  has XXXX my home back on Sheriff Sale for XX/XX/2022. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales. XXXX stated at this time, a package was already put in for my home to be put back on sale. This package, to put my home back on the sheriff 's sale, was prior to my due date to get in all docs to the mortgage company. The mortgage company and/or their attorneys submitted my home for sale PRIOR to the stated due date. I can understand if I did not comply, but I did. How can this happen when they stated this due date and stated in a letter I complied on time? ( Letter Attached ) I need my home taken off the XXXX sale, and future sheriff 's sale dates, to give me and the mortgage co. time to get the assumption completed and then to bring the mortgage up to date via loan modification ( or another way ). Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge. 

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same. 

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law. 

Therefore I request that all hard inquiries be removed.
Product: Payday loan, title loan, or personal loan

I took a loan out with loanmart in XX/XX/2016 and put my vehicle up for collateral. I was late with a payment and they came and repossessed my car. The loan was for {$2500.00} and the XXXXXXXX XXXX XXXX was worth at least {$5500.00} XXXX XXXX XXXX After they took possession of my car they say I still owe them all of the loan. I have tried to reason with them and they are crooks. My current balance on my credit report from XXXX with Loanmart is {$22000.00}! I have tried to dispute it with XXXX but it hasn't changed, it is killing my credic score and has for a long time. I am at a loss, I don't believe I owe them anything loanmart came and got my car!
Product: Checking or savings account

Capital one froze my checking account on XX/XX/XXXX. They will not tell me the reason. Since that date they have not given me a reason why the account is frozen but only tell me the account is under investigation. It is my opinion they are committing conversion and illegally seizing my funds. 
I called customer service XXXX and was told there are restrictions on the account but no notes. I was told the bank is terminating banking relationship with me but still will not give me a reason. They told me they would issue me a check after their investigation is completed. They have no time frame for when this will be resolved. I asked for a call back but they do not call back. This issue has gone on for a month and a half. I have called the customer service number and the customer protection team many times and left messages for a call back and to escalate this matter. Neither of these departments are able to resolve my issue. I walked into a bank and they told me after review of the notes in the capital one system there is no reason stated why my funds are frozen. They can see the funds are frozen and there is an investigation but no reason provided. The bank manager tried to resolve the issue himself but was not successful. They issue a tier XXXX complaint on XX/XX/XXXX on my behalf. The bank case number is XXXX. Still no one has contacted me and the matter is unresolved. Can you assist me with this matter.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I repeatedly attempted to get XXXX to delete my information, provide me a consumer report and the list goes on. I've also asked for online access and to remove a security freeze. They will do nothing. I have attached correspondence from XXXX  up through until today of these attempts with them. I want my report, I want deletion of information due to being a victim of XXXX  XXXX and I want access to my online portal. I keep providing them my id and it goes ignored. XXXX was the contact person who failed to help me. I've even sent them court documents but still nothing.
Product: Student loan

I currently have a private student loan cosigned by my sister. I called navient to find out the process for removing my sister from the loan as her finances were making it difficult for me to get a lower payment plan. They advised me that I would have to make ontime payments for two years to remove her name from the loans. I did so, after two years I called navient to have my sister removed they advised me that due to my credit score I was denied. I was not advised that my credit score impacted the removal of my cosigner. So her name remains on the loan making my payment rates to navient higher and impacting my sister 's ability to refinance her home at a lower interest rate.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Check My Credit. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter