23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Paid my Nevada State Bank mortgage in full on XX/XX/20 through a refinance with another company. Due to timing of the payoff, a monthly mortgage payment was automatically deducted, resulting in an overpayment of {$1100.00}. Rather than refund these funds to me immediately, the automated telephone response informed me the funds would be reimbursed within 20 days. When I did not receive the funds after 20 days, I called and waited for over 48 minutes to speak with an actual customer support person. I was informed the 20 day period was not correct and it would actually be 30 days while they " analyzed '' my account. The account is paid in full and there is no reason to analyze anything or withhold funds belonging to me.
Product: Checking or savings account

A withdrawal of {$2.00} was made today XX/XX/2018 around XXXX est. I already requested my digits account to be closed and refunded all the money they took from me as I no longer wanted their services. They did refund that small balance months ago, but now they are still taking money out my account and have not closed my account and it's been over 90 days. I am worried they are just taking money out my account and I want them to stop.
Product: Credit card

I canceled my American Express card months back due to fraud and they continually sent me statements each month with a XXXX balance and sent me a new card recently without my consent. I called them today to rectify the situation and to stop harrassing me but they would not talk to me without giving my personal info. I have no balance on the card and want them to leave me alone.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was told by a friend that they sent money to me on zelle. I checked my bank account and it was {$160.00} dollars. They asked me to send it to them on XXXX  so I did. A hour later, they messaged me again and said they sent more money, It was {$160.00} again. In total I was sent {$320.00} dollars. I had no idea that this money was coming from someone that was expecting something. That person who sent me the money later messaged me and said that I scammed them out of {$320.00} dollars. Me and that person was going back and forth as I was trying to explain to them that I didnt know that this was fraudulent activity and I wouldve never participated in that if I knew. I contacted the police and they told me that I didnt have anything to worry about because I didnt scam them. I was under the impression that I was helping my friend but turns out that he was getting sent money from another person on zelle and that person scammed the person that was contacting me. I didnt know this before I was sent the money, only after. I later blocked my friend for putting me in the situation and the person who was contacting me as the police told me to do so. I can no longer use zelle now because my account has been flagged and then restricted. Im hoping these screenshots can prove that I didnt intend to take part in these fraudulent activities. Im just trying to use zelle again so please assist me and make that happen for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records and the persistent presence of charge-off accounts on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. There are charge-off accounts on my credit report that should have been removed following my disputes. These accounts have been erroneously reported and persistently appear despite providing the necessary documentation to prove their inaccuracy. The presence of these charge-offs has caused significant financial and emotional distress. 
Previous Correspondence and Actions Taken : Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXX  Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Balance : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 
XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXXBalance : {$460.00} - XXXX requested an investigation and the removal of the charge- off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX Balance : {$3600.00} - This particular account is undoubtedly placed as a charge- off account, make sure you tell me the reason why an {$3600.00} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 
XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX XXXX before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 months that are reported late 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

Noticed a few accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me  XXXX  and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I responded to a Discover Card advertisement for 0 % APR financing ( 14 months ) for a credit card and loan consolidation program, so that I could refinance my debt under those terms. I outlined the quantity of money that I would need to borrow and submitted my application. 
On Tuesday XX/XX/XXXX I received an email notifying me that I was approved for a credit card with a credit limit substantially below the amount requested for approval. Despite not being approved for the amount requested, a credit card was opened in my name for the lesser amount. 
On Thursday XX/XX/XXXX I called Discover customer services and spoke with ( 5 ) individuals across multiple departments regarding this issue seeking the following resolutions, a ) to have the erroneous credit card account closed and removed from records b ) to have the approval honored for the quantity requested or c ) to have the account flagged to avoid shut-down due to inactivity. I was informed by all representatives that there was no action I could take that would not result in me either having to use their credit card on a regular basis or hurt my credit score by shortening my average account length by canceling the card.

Given that this personal loan and credit card was requested together as part of a promotional offer by myself for a specific purpose and amount, and was then approved for a lesser amount with an inability to fulfill that purpose, and that discover card has provided me with no alternative for redress, I am hopeful that the CFPB might help me in resolving this issue and additionally to help future consumers by providing guidance on steps which can be taken in situations where-in individuals apply for one thing and are provided with something else by a financial institution without resorting to harming ones own credit score.
Product: Debt collection

LVNV Funding with 12 XXXX XXXX XXXX  claimed I opened an account on XX/XX/2020, however I have no bank cards with XXXX XXXX XXXX  and did not open a card with them. A family member used my social to open a card. I contacted them and disputed however they claim it was not opened fraudulent when it was. My mother said she opened it with my social. Therefore it was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account US BK CACS Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but Transunion is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : Transunion shows a high credit limit of {$2200.00}. XXXX shows a high credit limit of {$0.00} and XXXX shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : Transunion and XXXX both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX RE : Correction to my personal information Dear Equifax , I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to require credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following credit inquiries are related to none of the aforementioned permissible * NAVY FCU XXXX XXXX / XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately.
Product: Credit card

SYNCHRONY BANK HAS YET TO ADDRESS THE ADA VIOLATIONS AND PRIVACY VIOLATIONS, NOT ONCE HAS XXXX ADDRESSED IT, I WILL BE ALSO FILING WITH DOJ AMONG OTHER ORGINIZATIONS.SYCHRONY BANKDISCRIMINATED AGAINST ME AND MY POA, THEY VIOLATED MY XXXX RIGHTS AND PRIVACY RIGHTS AND CONTINUE TO TALK AROUND IT.THEY CONTINUED TO BLOW OFF MY POA AND THEN WHEN WE FILED A COMPLAINBT HERE AND WITH THE XXXX, THEY SENT THE ACCOUNTS TO 3RD PARTY COLLECTIONS.THEY BULLIED US AND PROHIBITED US FROM SETTLING AND PAYING MY DEBT WHILE THEY WERE STILL IN THEIR POSSESSION.SYNCHRONY BANK IS XXXX AND THEY DISCRIMINATE AGAINST THE DISABLED AND TRY TO LIE AND TALK AROUND IT, THIS WILL NOT BE GOING AWAY, YOU DISCRIMINATED AGAINST ME AND MY POA ON SEVRAL OCCASSIONS AND WE WILL BE ABLE TO PROVE IT, YOU VIOLATED MY PRIVACY ON SEVERAL OCCASSIONS, I CAN ALSO PROVE THAT, SO YUOU CAN KEEP ON GOIN TALKING AROUND IT BUT I WILL GET JUSTICE FOR THIS CORRUPT ACT OF YOURS, YOU WILL NEED TO TAKE CARE OF THOSE ACCOUNTS SINCE YOU DISABLED ME FROM PAYING THEM
Product: Checking or savings account

I've banked with Navy Federal over five years. I had a checking account with a direct deposit, as well as oops program. And for some reason i could never get a positive balance. I know I could the money come in there would be an over charge for something that came in late, or it just wasn't enough money. this went on for years they would have some reason behind the charges. I would get a {$35.00} for a {$2.00} charge. this let up to me getting my account closed and letters of paying this amount in full. this account was charged off now there still wanting me to pay this account current. I'm totally lost of what needs to happen.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is XXXX Credit Card, and it is being reported as a result of identity theft. I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I payed my remaining loan balance off with XXXX payments in XX/XX/XXXX. On XXXX I payed a single loan off with a {$6600.00} payment. On XX/XX/XXXX, XXXX drafted another payment of {$230.00} after I had requested cancellation. That amount included a payment of {$79.00} to the loan I paid off on XXXX. Frustrated, I made a final payment on XX/XX/XXXX of {$13000.00} to pay off the remaining balance on all of my loans. XXXX still has not paid me back the overpayment of {$79.00}, and has not updated my credit report since XXXX, so my loans still show a balance of over {$20000.00}. I've called XXXX, and their response was to say my payments were made in XXXX not XXXX ( untrue ) and I needed to wait 30 days. When I told them it had already been 30 business days since the date they said I made my payments ( XX/XX/XXXX ), the rep basically said I just needed to wait. 

On XX/XX/XXXX, I submitted a complaint on studentaid.gov and have not received a response or notification that my complaint is being investigated. 

On XX/XX/XXXX, my transunion report changed to show that I owe XXXX {$79.00}. The other agencies are not showing an update. 

On XX/XX/XXXX, I filed a dispute with Experian and XXXX. XXXX verified a balance of over {$20000.00} with Experian almost immediately, and my dispute was denied despite the fact that I uploaded documents from XXXX stating my accounts were paid. My credit report now states that I'm in good standing, but my balance is the same as it was in XXXX of XXXX.