23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I bank with Bank of America. In late XXXX or early XX/XX/XXXX I sent {$2000.00} using XXXX to a friend of mine as a loan payment. 
Unfortunately, I sent the money to a wrong phone number. As soon as I realized that I made a mistake, I called my bank. This was on a Sunday so I has to follow up the next day. They then told me that it takes up to 45 days to get an answer. Another couple of weeks went by only to be told that the recipients bank XXXX XXXX has now put a red flag on the transaction. A week after that I received a letter from my bank suggesting that I contact the recipient instead. 
I have been banking at Bank of America since XXXX so this is the kind of protecrion and service that I get. 
I have also filed a Police report to try to recover my money but until now I have no idea as to who can I turn to. 
Please help. Thank you in advance.
Product: Bank account or service

I have optional overdraft protection on my checking account with Navy Federal Credit Union, but I have been advised by XXXX different representatives over the years that they do not charge the fee if the negative balance is less than {$5.00}. I have part of my paycheck direct deposited every two weeks ( {$210.00} on XXXX XXXX ). In addition to that, I deposited {$80.00} on the XXXX and XXXX. I used the account on the XXXX and deposited cash into the ATM at XXXX XXXX to cover those charges. Cash is 100 % guaranteed funds. I wake up this morning to a {$40.00} overdraft fee and my account in the negative for {$42.00}. As of XXXX XXXX, my account was in the negative roughly {$.00} cents. XXXX charges on the XXXX, XXXX of the were completed by midnight and my deposit is still pending. I called a spoke to a " supervisor ' by the name of XXXX who treated me like I was incompetent, stupid and confused. I am XXXX years old and I have been in the banking/finance industry for almost 11 years. I asked for the {$40.00} fee to be removed, she stated they do n't waive those fees. I feel I have been wronged since I have been advised they do n't charge the fee for balances less than {$5.00}. I am at a negative {$42.00} ( {$40.00} of which is the fee ). Navy Federal is known for their horrible customer service and very unsymapthetic and uncaring management staff. 

I had decided to give this company another shot after having been with them for 12 years previously and now, I do feel like the stupid one. I should have known better.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought legally because I was a victim of XXXX data breach.I want these items deleted from my credit report effective immediately. I'm attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts for my credit report. Lvnv funding LLC account number # XXXX
Product: Payday loan

I have XXXX payday loans and my hours at my job were cut so I contacted XXXX relief to consolidate my loans/ I just did n't want to not pay them so I set up an arrangement to pay them through the debt consolidation company. they were receiving their payment out of the payment I was making to the debt consolidation company. They still debited my account I was back and XXXX with the bank. Even Though I was still paying them Credit box LLC and XXXX were still debiting my account even though I stopped payment with my bank they would then debit the account for a different amount on a different day. They even went as far as harassing me everyday and calling my job to verify my employment. After that I was shortly fired my job said it was for another reason but it happened the same day they verified my employment. I was able to get unemployment but I am unemployed and they are still harassing me everyday and I have the phone records to prove it. I tried to do the right thing but in the end they caused a lot of heart ache and pain.
Product: Debt collection

I received a collection on my credit report from XXXX XXXX. I never received a bill from the company so this was quite a surprise. I tried to call the public number available on XXXX ( XXXX ) and it is a permanently busy number, possibly even disconnected. I logged into my XXXX XXXX of Texas portal after receiving the notice to try and find any claims. I was able to find a claim with their name on it and a service date of XX/XX/2021. It looks like the insurance company paid {$130.00}. The claim also said I " may owe '' {$59.00}. The claim also said " The amount billed is more than what is allowed for this service. Your provider should not bill you for any balance over what is allowed. '' Again, since I never received a bill I had no idea I owed anything. This debt was reported to Credit Management LP in XXXX and now I have a collection on my credit report for {$130.00}. That is more than double what my insurance says I may owe. I had XXXX XXXX earlier this year and went WAY over my out-of-pocket expense. I was surprised to learn I owed anything for this at all for this follow-up imaging. After searching I was able to find a customer service email address. I initiated a conversation on XX/XX/2021 and still have no resolution to this. I am able to provide a copy of the email string and insurance claim if necessary. XXXX is FILLED with customers who have had very similar experiences as I have with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Corporate Phone Number: XXXX
Fax Number: XXXX
Email Address:XXXX  I PURCHASED A USED ENGINE FROM A COMPANY IN TEXAS. THEY USED MY CREDT CARD TO PURCHASE ($XXXX) THE ENGINE IN MICHIGAN. AND CHARGED ME $XXXX ON MY PAYPAL ACCOUNT. THE ENGINE WAS NOT THE RIGHT ONE. THE COMPANY REFUSED TO REPLACE OR REFUND MY MONEY. I FILED A COMPLAINT WITH PAYPAY UNDER THEIR BUYER PROTECTION PLAN. THEY SAID THAT THEY WOULD REFUND MY MONEY IF I RETURNED THEENGINE  TO THE ADDRESS OF RECORD THEY HAVE FOR THE MERCHANT WHICH IS IN XXXX!!!!!

PAYPAL DISPUTE #XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION shows I have a collection on my credit report. The debt collection company is XXXX XXXX XXXX ( original creditor is XXXX XXXX XXXX ) in the amount of {$590.00}. 

The account was PAID IN FULL on XX/XX/2019. The amount paid was {$590.00} and the confirmation number received for the payment is XXXX. 

A dispute was filed with with Transunion via XXXX XXXX on XX/XX/2019 in an attempt to correct the erroneous credit report information. The File Identification Number for the dispute is XXXX. 

As of XX/XX/2019, Transunion has not yet responded to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account 7 years left and I still see this very negative report in my credit report
Product: Credit reporting

I have placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documents and update my credit report as requested.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/2023. i am requesting the Method of Verification For the following dispute ( XXXX XXXX XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that Trans Union, XXXX and XXXX send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA
Product: Consumer Loan

I paid my car loan off on XXXX/XXXX/2015, Kia Finance stated they would send me the title on XXXX. Instead, they sent it to my XXXX XXXX XXXX mother in CA ( we are XXXX on the loan to get lower interest. ) They refused to send it with tracking, and it is missing. They have refused to replace the title that is lost, leaving me no way to sell the car. They said they would send me a lien release, but offer no solution when that gets lost, and they refuse to track the document.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a balance on my account when the information is inaccurate. I received a 1099c for the balance and would like for my account to reflect accurately according to the FCRA and FCDPA. Please update my account to XXXX based upon what was reported to the IRS. Please update my records accordingly. The information is on the copy of the 1099c.
Product: Credit reporting or other personal consumer reports

The company failed to update my payment on file so when I called or tried to mske payment online every month for four months so it showed for late payments. But every time I paid it said thank you for payment never received a call from the company or response they just cut my card off. I finally talked to clarify and updated my account and made payment again. I had to talk to a supervisor to get things done right the other people could not understand me clearly. Due to language barriers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXXXXXX 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 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: Mortgage

I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing.
Product: Payday loan, title loan, or personal loan

Made auto payment that cleared through my bank on XX/XX/22 for {$48.00}. However, I received several emails while in the hospital. XXXX was not made because I experienced a breach and fraud and had to close that account. I was unable to reset before hospitalization. I was billed {$110.00} and paid on XX/XX/22 for XXXX months, just to reconcile my account. I went online and submitted the ticket and uploaded my documents, also by email. On XX/XX/22, the Self app stated, when I logged in, that I owed {$190.00}.??? I was only one month behind. I paid two months in XXXX and then, was chatged a third month plus additional late fees. They are not crediting me my payments and it is affecting my credit score, as well. I need assistance in resolving this issue.
Product: Student loan

Interest rates on variable interest private loans has not dropped with he federal reserve cuts. Rates were almost immediately hiked when they were adjusted up. I have emailed Navient with this concern Navient Student Loans Loans are Owned by Navient Values range from 3000 to 12000 dollars ( 6 loans total all private ).
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I purchased a vehicle in 2014 from Coastal Credit LLC. I had made on time payments since then. I started receiving calls stating that I was past due anywhere from 30-90 days multiple times showing I disputed charges and payments, which I never disputed a charge as I authorized all charges. I submitted proof to the location in XXXX, Colorado and all of a sudden that office was closed in a matter of a weekend. Prior to that I was working the office in XXXX, OK which was also closed in a matter of a weekend. I had been working with a couple of employees providing documentation and proof and working with them to fix this. As we were working on this, I had been surprised as I was promised since I had been in talks with providing proof of payments that the vehicle would not be secured or repossessed but indeed the vehicle was actually on the repossession truck and the driver had the courtesy to come knock at my door and he waited for me to talk to the bank in which I was demanded to pay for the entire balance after we had agreement but I had to prevent repossession. After that payment, I was paid up to date. Then about a month or two later I received a new call stating that I was in the same boat. I spoke with the same individuals and they fixed it but then shortly after a hour, I had a repossession agency contacting me to arrange a pickup of the vehicle in which I had said we had fixed this and I called Coastal Credit back and the lady could not get a hold of the person who was authorized to fix it and told me to " hid my vehicle ''. I was absolutely disgusted that a " bank '' or loan service told me to do that until they could tell that agency not to secure the vehicle. In the midst, they reported me 30 days past due and I can not get it removed and have contacted an attorney to file suit but have not pursued just yet until I notice absolute no resolution. I primarily contacted an attorney to file a complaint to get the late 30 day reporting removed. Since then, I have worries of the vehicle being secured illegally and no one at the new office is willing to talk to me or get me with the people I was working with as I am curious to see if that office staff were fired because they just shut down. I am working on trading this or refinancing with another company.
Product: Credit reporting or other personal consumer reports

There are fraudulent items on my credit report that I have no connection to and have never benefited from in any way. These accounts and transactions were added without my knowledge or consent and I believe to be fraudulent. Ive already reported this issue to the Federal Trade Commission and followed all necessary steps, yet these fraudulent items remain on my report. It is both frustrating and concerning to see these inaccuracies and fraudulent acts continue to harm my credit and put my financial security at risk.
Product: Student loan

Last year I received a report from XXXX XXXX on the number of qualifying payments I have made towards the Public Service Loan Forgiveness Program. They reported I had made 29 qualifying payments. The documentation I have shows that this is inaccurate, and I have made at least 46 qualifying payments. I asked them to recalculate my number of qualifying payments and they told me on XX/XX/XXXX, " We submitted a request to have a detailed Public Service Loan Forgiveness ( PSLF ) Payment Tracker sent to your email address on file. Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. Please allow up to 70-90 days for your request to be processed. '' I waited the 90 days and had not received any information. I followed up and asked when I should receive the information and they responded on XX/XX/XXXX with a request to allow 70-90 days. I responded to their email and told them the 70-90 day window has already passed and I wasn't anticipating that they would expect me to wait an additional 70-90 days. They responded on XX/XX/XXXX that it was in process but did not provide any information on when I should expect to receive the updated repayment tracking. I responded and asked for a timeframe for when I should expect to receive this information. XXXX XXXX responded on XX/XX/XXXX stating that gathering the information " can sometimes take a great deal of time. '' I requested to have the information by XX/XX/XXXX or I would have to move forward with filing a complaint. I waited an additional two months, hoping they would complete the detailed tracking and to avoid the process of filing a complaint. I still have not received any information from them as of XX/XX/XXXX. If they do not calculate my payments correctly, I will be forced to pay beyond the 120 payments to complete the PSLF program. If I refuse to pay after the 120th payment ( per my calculations ) then I will default on the loan and will no longer qualify for loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX mortgage debt does not belong to me under account number XXXX. Please remove the item from my credit report as soon as possible. I've sent several letter to the credit bureau, with no response. So now I'm reaching out to ( CFPB ) To get this matter resolved so if someone form this department can handle this matter and get back to me asap it will be greatly appreciated. Thank you.