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

I have a credit card with Bank of America. A few months ago I had an overpayment that resulted in a credit of {$63.00} on my account. On XX/XX/XXXX, the bank debited {$63.00}, labeled as UNCLAIMED CREDIT ( see card statement attached ) without returning the funds to me via any form. 

In the past 6 weeks or so, I contacted the bank 4 times ( see phone call history attached ). Each time I received different and even contradictory explanations, and each time they said the money was sent to me and I should wait for a certain number of days, after which I did not receive it. Below is a summary of all the conversations we had. 

- Phone call # 1, XX/XX/XXXX : Agent # 1 told me that they turned the money to the state, NY in my case, as unclaimed property. She gave me a link to search for unclaimed property in NY. I searched after the phone call and nothing came up. I even searched today, XX/XX/XXXX, it was still not coming up. 
- Phone call # 2, XX/XX/XXXX : After learning that the unclaimed property is not shown on the states website, Agent # 2 said they could stop the payment on the check mailed to the state and make a deposit to my checking account at Bank of America. I approved him to do so and he said I should wait for 5 business days. 
- Phone call # 3, XX/XX/XXXX : It had been 9 business days and I had not received the deposit. Agent # 3 told me that there was a delay. Everything looked fine on his end and I should receive it in another 2 days. 
- Phone call # 4, XX/XX/XXXX : I had still not received the deposit after another 3 business days. I called again and this time, it got ridiculous. Agent # 4 at the credit card department told me that the previous agents were wrong. She said they it was not an option to make a deposit to me and they had to turn the money to the state. She transferred me to Agent # 5 at the unclaimed property department. Agent # 5 searched her database and could not find the unclaimed property. She said that this meant the money was still handled by the credit card department and transferred me to Agent # 6. This time the conversation went really long, Agent # 6 consulted her supervisor and checked a lot of information. In the end, she assured me that they could make the deposit to my account and I should wait for another 7 business days.

It has been 9 business days after my last call with them and I have still not received the deposit. Overall it has been more than 6 weeks and 4 phone conversations and they still owe me the money. 

The communication was terrible because they contradicted each other and now I had completely no idea where my money was. I did not want to contact them again and repeat this endless nonsense, for which I seek help from the CFPB. Thank you very much.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient fees when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent 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, credit repair services, or other personal consumer reports

I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute against Experian regarding a XXXX account that I previously disputed. Despite being successfully removed ( XX/XX/2024 ), the account has been reinserted onto my credit report without proper notification as required by the Fair Credit Reporting Act ( FCRA ) under 15

U.S. Code 1681i ( a ) ( 5 ) ( B ).

The FCRA mandates that if a previously disputed and removed account is reinserted, the consumer must be notified in writing within five business days of the reinsertion. This notification must include the source of the information, along with proof of reinvestigation and the justification for the reinsertion. To date, I have not received any such notification or supporting documentation from Experian, which is a clear violation of the law.

Additionally, I reference the recent settled lawsuit between Experian and the CFPB, which highlighted Experians pattern of inadequate investigations into valid consumer disputes and failure to address legitimate credit reporting errors. This pattern of behavior aligns with my current situation, where no proper reinvestigation or verification was conducted before reinserting the disputed XXXX account. 
The presence of this fraudulent account on my credit report has caused significant harm by : 1.

Negatively impacting my credit score, making it difficult to obtain credit approvals. 2. Increasing the interest rates on financial products I currently hold. 3. Causing emotional distress and unnecessary financial hardships as I continue to address inaccuracies in my credit report. I am requesting the following : 1. Immediate deletion of the fraudulent Discover account from my credit report. 2. A detailed explanation of how the reinsertion was justified without proper notification to me.

3. Assurance of compliance with FCRA regulations to prevent future occurrences. 
Attached are copies of all relevant documents, including my previous dispute correspondence and supporting evidence that the account was initially deemed fraudulent and removed. 
I trust the CFPB will hold Experian accountable for its actions and ensure compliance with federal consumer protection laws. Please keep me informed of the progress of this investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my XXXX XXXX file, specifically related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian 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 Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, 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 they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.

Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.

I thank you in advance for your cooperation and expect a prompt resolution.
Product: Debt collection

XX/XX/XXXX called Capital one to tell them my husband had died I wanted to send them death certificate they would not take my call unless I made arrangements to pay them outstanding balance of {$15000.00}. I was under distress Spouse died XX/XX/XXXX He XXXX bullied me ( XXXX ) on XX/XX/XXXX He says Rude and bullying, First you have to tell me how much can you pay on this account!! I said, IF I could pay maybe {$200.00}. or {$250.00}. At this point of the conversation he changed from Joint to Individual status. Under grief I was just trying to resolve My husband 's accounts. He told me account was joint and that they do not accept any type of paper work from the consumer no death certificate or letter as I mention I told him no I hadn't knowledge of that He was the primary and they would never let me speak to them without his consent iF ACCOUNT WOULD OF BEEN JOINT I WOULD HAVE BEEN ABLE TO TALK TO THEM. When we called in a week before my husband died, he was trying to talk to them I was telling him what they were asking the gentleman on capital one side said very rudely if you are coaking him Im going to have to hang up. My husband was having issues talking he could not be understood so he motioned me to hang up. A week later he died. I am on a fixed income social security I can not pay the {$500.00} a month they are asking for. My husband opened this account in XXXX and ordered a card for me to use since he was handicap and could not get along without my assistance, so I used the card he obtained for me instead of his. Do I have to pay this account if so how can I freeze for a lower payment amount? we were married 47 years. Capital one will not let me go on line and deal with them on this account. They are asking me to create a new one. So how am I supposed to resolve it. I recently sent XXXX the death certificate they sent back dispute information telling me capital one dispute had been resolved and my balance now {$16000.00}. or so.
Product: Bank account or service

I received a check from Bank of America for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the " Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Bank of America 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Bank of America who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.
Product: Credit reporting or other personal consumer reports

I have submitted numerous disputes to XXXX, Experian, and XXXX. They have refused to investigate and provide me results. I demand an investigation. This is a violation of my rights. Please see all of my dispute letters attached. They have 3 bureau tables showing all errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On my behalf, XXXX XXXX XXXX and XXXX XXXX XXXX, has sent a letter to XXXX XXXX XXXX, requesting in the spirit of good customer service, that XXXX XXXX XXXX exempt me from the balanced owed on the following account ending in XXXX and cease and desist all collection efforts on the above referenced account and have the account deleted from my XXXX credit report immediately.
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. 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting agency act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15USC 1681s-2 they are suppose to 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

I was defrauded by XXXX XXXX, enticed to switch with a {$150.00} XXXX gift card they later refused to provide, the Internet service was not good so it only lasted 9 days. I was told by XXXX rep on phone that i should wait for the prorated bill. Bill never came and i actually forgot about this horrible experience and they put a collection on my credit report right before i started looking for an apartment. XXXX has refused to listen to the recording of there rep saying wait for prorated bill so Experian just takes their word for it and won't remove despite the most expensive 9 days of subpar Internet service being paid now. And I'm stuck and about to be homeless despite making north of XXXX and having never paid rent late once in my life
Product: Debt collection

This account was opened fraudulently without my permission Please see FTC report attached " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my 6. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the complaint about Freedom mortgage who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, XXXX, and XXXX reported it for a long time with a piece of inaccurate information.
Product: Checking or savings account

On XX/XX/2021, in response to an unsolicited ad sent by Axos Bank, I opened a checking account expecting to be given a bonus of {$100.00} if I fulfilled all the requirements. I used the link provided by Axos to apply for the account. Specifically this link was attached to the ad for the bonus. During the application for the checking account I was asked to put in the promo code XXXX  which I did. I funded the account with {$50.00} and later had direct deposits of {$1500.00} within 60 days as required. I was to receive the bonus of {$100.00} within the first 5 days of the third statement cycle. When I did not get the bonus, I inquired by email and was told that I did not sign up for the proper checking account. I was not aware at the time of the application that there was any substantial difference in checking accounts with respect to the {$100.00} bonus. I was told the bonus was only for the Rewards checking and not the Essential checking which I apparently opened. I feel this is bait and switch and fraud. I responded to an unsolicited ad offering {$100.00} to open a checking account which I did. I see no significant difference in the terms of the two kinds of checking accounts and contend this is fraud. I should be awarded the bonus. The purpose of the ad was to get new business which was accomplished. Axos Bank needs to honor its part of the bargain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a student doing my very best at life, and someone is trying to destroy my credit which is very important for my future.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : SXXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

In 2007 I borrowed {$10000.00} from Sallie Mae for expenses associated with my graduate school courses. For the past 14 years, we have paid it on time. We approximate the sum of the payments we have made over the past 14 years to be almost {$40000.00}. 

The loan has been sold to Navient. Currently, Navient shows my balance as over {$12000.00}, and is still collecting a monthly payment from me. At this point, my payment is mostly interest, and a small fraction goes to the principal, and the loan is only growing. 

I can't find a way to deal with this other than just hand over an additional {$13000.00} to close the loan ( which I don't have ). Am I supposed to pay literally {$100000.00} before this {$10000.00} debt is paid off? XXXX XXXX XXXX XXXX but there is no loan forgiveness for this, because it is a private loan. 

I recently purchased a new car for {$24000.00}. My monthly payment is {$350.00} per month and it will be paid off in 72 months. In comparison, I feel that I am being taken advantage of by Navient. I need help and my family is suggesting I hire an attorney. Do you know of any attorneys that deal with situations like this? Is there anything you can do to help me? My income is low. This monthly payment is just cruel at this point because it doesn't make any progress toward reducing the loan. 

Thank you for your help and advice, XXXX XXXX XXXX Navient account # XXXX : XXXX XXXX
Product: Credit card

I was not informed by my jewelry store that the Wells Fargo financial who offered one year free interest would whack me with a {$440.00} interest bill a month after the year ended. I was under the assumption this was one year free interest. 

I tried working it out with the company to pay the balance off in full for forgiveness and they refuse. I was not notified close to the year end that the financing would start. I was blindsided. I have a XXXX husband due to an accident that was n't his fault and now I am about to lose my wedding band over this fiasco.