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

On XX/XX/XXXX, I made a booking for a hotel stay in XXXX at the XXXX XXXX XXXX XXXX. The total purchase amount was for {$580.00}. When attempting to book using my Paypal Credit account, the XXXX booking page crashed as I attempted to purchase and after loading, took my back in error to the previous screen. I checked my email to confirm whether or not I had gotten a confirmation and nothing came through. So I re-entered my information and attempted to book again. This time, the charge immediately went through and I was given my confirmation of booking. I received the standard email comms from Paypal Credit confirming the purchase and the booking confirmation from XXXX, as well as comms directly from the hotel. 

Upon checking my account, I realized that I was debited for {$580.00} TWICE, XXXX time for the failed attempt and then the secondary charge for the confirmed reservation. I reached out to XXXX to investigate and get my money back, but they told me the authorization would drop off the account soon. Yet here we are, 3 months later and the charge is still there. When I canceled this reservation and rebooked with XXXX at a cheaper price, I was immediately refunded the XXXX for the confirmed reservation by XXXX. 

I reached out to Paypal Credit to investigate and provided them with all of the necessary information to handle this dispute and get that ghost charge removed. The dispute was poorly handled and the credit was reversed, as the rep did not properly read the claim ; they assumed because I got a refund from XXXX on the canceled reservation, that all was completed. They did not investigate and read the claim in its entirety. 

I've reopened the claim, resubmitted my information to Paypal Credit, yet I've gotten nowhere. I've been hung up on, yelled at, and have no clear resolution as to getting this unauthorized money removed from my account. Their antiquated approach and abysmal customer service is unacceptable. If I had booked using my XXXX XXXX, this would have been handled in a matter of minutes.
Product: Credit reporting or other personal consumer reports

XXXX. I been on the phone holding for 4 hours and then today XX/XX/XXXX over 6 hours trying to talk with someone in the credit department at XXXX. I was told that FedLoans had my student loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that FedLoans are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan student loan people ( FedLoans who transfer or sold my loan to XXXX ) to get it resolved bc it is FedLoans mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX XXXX Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 
3. Identity Theft XXXX  XXXX  Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 
4. Identity Theft XXXX  XXXX  Account XXXX : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove Fruad Alert off credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * 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 NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Credit reporting or other personal consumer reports

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX XXXXXXXX. Please delete this account ASAP.
Product: Mortgage

I receieved a robo call from my mortgage company today, XXXX XXXX, encouraging me to take out a home equity loan. I recieve regular mailings on this topic. I've told a telemarketer that I am not interested in this product and to take my name off of their call list. I even received a {$60.00} check from a class action law suit with this company over telemarketing calls promoting their financial products. The company is now called XXXX XXXX, aka NATIONSTAR. Please get them off my back.
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  has violated my rights. 

XXXX5 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing adequately to notifying consumers of disputes outcomes. This failures aligns with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates Federal Law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late delinquencies showing on my Bank of America Credit card in XX/XX/XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per BOA. 

Both times we spoke with Bank of America on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this with them.
Product: Checking or savings account

BOFA CLOSED MY ACCOUNT FOR NOT REASON AND STATED WITH XXXX THAT IT WAS FRAUD!! RELATED TO # 1 AND # 2 : MY SON WAS XXXX AT THE TIME SOMEONE Compromised HIS ACCOUNT : I HAVE NOT HISTORY OF FRAUD!! 

MUILTI CALLS AS TO WHY MY ACCOUNT-NO DIRECT Answers : MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND FOUND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE : IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION for banks closing customers checking/saving accounts withno notice. BOFA reported me to early warning credit as abuse ( with no documentation of FRAUD! 

I'm currently CAN NOT open a normal bank account due to being XXXX discriminated by XXXX and Bank of America : I will SUBMITTED a separated compliant with XXXX : No verbal nor written reason for the closed account received : however they reported this to early credit warning as FRAUD : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOFA AND XXXX HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR BOFA AS WELL. 

ACCOUNT FOR BOFA # XXXX XX/XX/2020 CLOSED Account # : XXXXComplaint NumberXXXX FILE XXXX CLOSED XX/XX/2020 EARLY WARNING REPORT FROM BOFA STATED FRAUD : I HAD A DISPUTE # 1 RELATED TO A SPORTS TEAM FEE ( I Decided to not allow my son to play on a basketball team and tried to cancel the fee ( but the team portal did not have an option ) months past and BofA sided with the other side ( even though my son never played on the team ) may AAU TEAMS Have issues like mine ) paper tail attached : REF : Bank Routing # : XXXX Account # : XXXX Compromised my son 's account : # 2 MY SON 'S WAS XXXX OLD AT THE TIME AS HIS ACCOUNT DEBT CARD WAS STOLEN AND SOMEONE WROTE A BAD CHECK : ATTACHED Name : XXXX XXXX XXXX SSN/Tax ID # : XXXXPhone : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX USAID # : XXXX ID Type : Driver 's License/USA ID State : GA Alt ( I DO HAVE A COPY OF THE CHECK THAT I CAN ATTACH AT A LATER DATE ) ID State : GADate of Birth : XXXXBank Routing # : XXXX Account # : XXXX Account Type : Joint signerIncident Date : XXXXPrincipal Loss : {$0.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : $ XXXXPaid/UnPaid/Settled : UnpaidContribution Reason : " Checking Account FraudC ''
Product: Debt collection

Wellsfargo did not change my address until XXXX 2021, and the late payments is for XXXX and XXXX of 2021. 

I paid and close account in XXXX 2021. The late payments should be remove. 

XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/20 a male individual posed as someone with questions and needing assistance related to my work and called the work phone line that got transferred to my extension. Then proceeded to tell me that the person is working as a process server and while not working for the company that he represents has summons for me to appear in court from a company called XXXX XXXX. I requested to refrain from calling me at work and also demanded that I be given a written poof or documentation regarding this summons as I am not aware of such and had not been previously informed of any of this. He did not disclose what the issue is about and just gave me the phone number to call for information and insisted that he will come over to my place of work in 30 minutes despite my request and after telling him that I am aware of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and seen a credit inquiry on  XXXX   XXXX     2016  from  XXXX  that I did n't authorize
Product: Checking or savings account

I do not remember the actual dates, as I closed the account a good while ago, but I was a Wells Fargo customer for many years and I had overdraft protection and was still hit with {$35.00} overdraft fees all the time.
Product: Mortgage

I lost my job at the beginning of COVID about 2 years after the death of my wife and the birth of my XXXX  boys. I have a VA loan so it's federally guaranteed, and any missed payments were supposed to be tacked on to the end of the loan. Well every time I tried to get the loan out of forbearance they would send me paperwork that has my wifes name on it, I sent them the death certificate in XXXX of 2020 in my first attempt to get out of forbearance. They still to this day have not produced documents that do not have my wifes name on them so they sent a notary out to my house on two separate occasions who was supposed to view the death certificate and note that she was deceased and all would be good. Both times it was denied by the underwriting department. Now they have changed from the forbearance deal where missed payments get put on the end of the loan to a 7.5 % ARM from my 5 % VA because I " didnt get it done in time ''. 

They just sent me another set of paperwork, again with my wifes name on it, so they want me to do this rodeo yet again. And every time I do it it causes more and more problems with the loan servicer, Penny Mac.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was paid off by car insurance and Gap insurance it shouldn't be reporting delinquent or Closed show credit bureaus the vehicle was paid off yet it's still on my reports and at this point deleted
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report that need to be removed XXXX - Card Service XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from Equifax. Next my other concern is inaccurate reporting too Equifax, XXXX, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX These are all collection agencies that Ive been asking XXXX  , Transunion and XXXX  to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.
Product: Debt collection

This account appeared on my report and I had no idea what it was. I did some research and reached out to I C SYSTEM. They actually told me that the debt was sold to them by XXXX XXXX XXXX. Ive had no accounts with XXXX XXXX XXXX. My identity and personal info was compromised back in XXXX and thats when their saying the account was opened. On my credit report though, it says the account was opened on XX/XX/XXXX which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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. These laws are listed below. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred during my time with the credit union that resulted in my account being closed. I was charged overdraft fees when funds were vague to lagged posting of charges and credits. This issue aligns with CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I recently disputed my personal address on my credit report. I provided Equifax my driver 's license with my current address on it. The dispute process verified that another address on my credit report was my current address. Once again, I provided proof of my current address by submitting the front and back of my driver 's license.
Product: Credit card

Bank of America Customer Service Department Subject : Formal Complaint - XXXX  Account Closure and Technical Issues Impacting Credit To Whom It May Concern, I am writing to express my utmost dissatisfaction and concern regarding the series of events that have transpired with my Bank of America accounts, which I believe are retaliatory and causing significant harm to my credit standing. 

Previously, I filed formal complaints against Bank of America due to failure to investigate fraudulent transfers from my account. Following these complaints, all of my accounts were abruptly closed. And later, my credit card. While I understand account closures can occur, the subsequent events have raised serious concerns about potential retaliation and unethical practices. 

Specifically, I have been consistently unable to reset my password for online banking access. This has prevented me from managing a credit card account that, despite being " closed '' by Bank of America, continues to accrue interest every month. This ongoing interest accrual is directly and negatively impacting my credit score. 

I have made numerous attempts to resolve the password reset issue through customer service, but to no avail. I am convinced that this technical difficulty is not a mere coincidence but a deliberate obstacle designed to prevent me from accessing and managing my account. 

This situation is not only causing financial harm but also immense stress and XXXX. I am deeply concerned about the long-term consequences for my credit health. 

I urge you to take this complaint seriously and conduct a thorough investigation. I believe my experience exemplifies a pattern of retaliatory practices and technical manipulations aimed at harming customers who exercise their right to voice grievances. 

I expect a prompt and comprehensive response addressing each of my concerns. Failure to do so will leave me no choice but to pursue further action, including legal remedies and reporting this matter to regulatory authorities. 

Sincerely, XXXX XXXX