23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX i realized i made an over payment of {$2000.00} on my Bank of America credit card. I called to ask for a refund. They processed it, added the balance back to my credit card however i still have not received my refund. I called on XX/XX/XXXX to get an update on the refund and was told it could take 30 days and up to 90 days for me to receive my refund. 

According to the Consumer Financial Protection Bureau ( CFPB ) regulations, a consumer finance violation regarding refund timeframes could occur if a company takes significantly longer than seven business days to issue a refund after receiving a written request from a consumer. 

Deliberately delaying refunds beyond a reasonable timeframe could be considered an unfair, deceptive, or abusive practice under the Consumer Financial Protection Act. 

I am in need of my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that its inquiries on my report that I havent applied for and would like them removed immediately from XXXX bank XXXX and navy federal XXXX and XXXX
Product: Payday loan

A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, XXXX.
Product: Checking or savings account

I presented an item for deposit with Bank of America in the amount of {$3100.00} from XXXX XXXX. When I asked the teller when would the deposit be available, she stated " funds will be available tomorrow '' ( XX/XX/XXXX ). I made mention that I used to be a teller and I thought that was weird for the check to be available tomorrow ( XX/XX/XXXX ). I stated it must be because I have the funds in my account. 

I received an email stating my funds would be on hold until XX/XX/XXXX. When I called the branch, the rep ( XXXX ) said her Assistant Manager was a teller for the day and her Manager was at another location for the rest of the week. XXXX also stated that the manager would just tell me to call customer service. 

I spoke to a Customer Service manager who stated the teller should have told me BOA does not give credit on items any longer before they clear another bank because of fraud since the end of last year. I told her I could have gone to XXXX and cashed the check and deposited cash. Now I'm incurring interest fees because the teller lied. 
I was told I should call the furniture company and see what they can do since they issued the check???? 

They will not release my money or the check. They also will still hold my money if I close my account. I am out of money and they just do not care. If you do not know, you should ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  Report reflects AAG pulled my credit. My XXXX  Report reflects the company AAG hired, XXXX XXXX pulled my report for AAG. So who pulled my report ; AAG or XXXX XXXX or both? I request copy of report. AAG claims they properly pulled by report. AAG claims they had permissible permission to access credit report because of taped phone conversation. FCRA Section 604 ( a ) allows a verbal in ( 3 ) as stated " To a person which it has reason to believe ''. Who is this person at AAG?
Product: Credit card

On XX/XX/XXXX  I received a series of alerts from my credit card company Barclay 's Arrival Plus XXXX XXXX XXXXXXXX about charges from XXXX. I immediately checked and did not recognize the series of charges. I reached out immediately and my card was shut down and I was told I would be issued a refund in 1-2 billing cycles. I was told I would have to pay the charges until the case was investigated or else I would be billed interest, so I paid my balance in full ( including the disputed charges ). 

Attached is a copy of the credit card statement listing the charges from XXXX which total {$780.00}. 

I do not think I was supposed to have to pay the disputed charges as I was told while the case was being investigated and it is taking longer than I was told to resolve the issue. 

I have still not been issued a refund and after calling today to find out the status of my case, I was placed on a 20+ minute hold that was supposed to be a couple of minutes while they " researched '' my case. Nobody ever came back on the line. 

I need help getting this company to return my funds. I have run into fraudulent charges before with other personal and business credit cards, and I have never had an experience like this. First, I have never been told I needed to pay the disputed charges. They were removed from my balance while being investigated. Second, the investigation never took anywhere near this long to resolve. The charges were always very easily identified as fraud. Since Barclay 's alerted me, I am sure they knew the charges were likely unauthorized and fraudulent.
Product: Debt collection

I lost my wallet that contained my ID and social security card and because of that someone went into a medical practice and fraudulently posed as myself. I was billed for something that I didnt do. I told Wakefield and Associates that I have insurance so why would I go to a medical practice and be billed for something I did not do and my insurance company not cover it? Identity theft was committed and nobody is doing anything about it. The medical practice XXXX XXXX XXXX XXXX XXXX keeps saying the information is accurate which is not! Please help.
Product: Credit card or prepaid card

On    XX/XX/XXXX  my card was lost &  XXXX  was taken from my lost card by a purchase made at  XXXX . I immediately called MONEY NETWORK to get a new card and to deactivate my old card before future payments be made from my account by a thief. Talked to numerous people to get a understanding of how disputes work and what will be done. On   XX/XX/XXXX   I sent my dispute form out and was told I will be credited for my missing money between  XXXX  business days,  10  business days pass but yet no credit or explanation of the investigation besides no update ; however on  XX/XX/XXXX   I was told by  two  representative that on Wednesday   XX/XX/XXXX   I will have a update & should be credited back to my account from the missing money. I have reach out to numerous representative and talked to the manager  XXXX  yesterday with still the run around I just want my missing money back asap.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

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

CFPB COMPLAINT NUMBER XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX ) from XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, Il. I was told I had to pay {$2500.00} down payment for vehicle and also pay for my own car insurance upon leaving the car lot. Later upon doing research I am aware of " Tile '' ( Truth in Lending Act ) and also aware that with contracts I was taken advantage of and wasn't given full information about my vehicle contract. There where billing errors and also wasn't aware of my rights to rescind a contract as well. Later down the line my vehicle was also reposessed with a warning of the repo and also I paid my car note and it was a system error on there end but still decided to repo my vehicle and made me come out of pocket and go get my vehicle instead of returning to my house where they picked it up from. Also the documents I signed was a privacy notice, and in the noticed it said they may not disclose person non public info about myself to any third parties unless permitted by law, and according to my knowledge giving my info to the third party such as repo company was not lawful.
Product: Credit reporting or other personal consumer reports

This is not a request/complaint to verify all these accounts but a request to Block/Remove them pursuant Section 605B ( c ) of the FCRA. 

Under Section 605B of the Fair Credit Reporting Act I've requested to block identifying information on my Credit Report and Reporting Agency declined this request, even though, I've provided all needed documentation to support my request.

Under Section 605B please block all identified information listed on my 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
Product: Student loan

I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that I made during the pandemic to be refunded to me. I made the initial call on XX/XX/XXXX. I've been told this is in process and I would be kept in the loop on the status of this request. As of yesterday, it will have been 9 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ). It has now been over 9 weeks without any movement in the processing of the request, in which they stated yesterday was submitted on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation for Accounts Listed on My Credit Report To Whom It May Concern, I am writing to formally request validation of debts listed on my credit report. I noticed the following accounts under the name XXXX XXXX and would like more information to verify their accuracy and legitimacy : Account Number : XXXX 1. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Marked as Paid, Closed ) 2. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Marked as Paid, Closed ) 3. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Marked as Paid, Closed ) 4. Accounts Number : XXXX Date Opened : XXXX XXXX Balance : XXXX $ ( Marked as Paid, Closed ) I request that you provide the following information : 1. Documentation showing that I am legally obligated to pay these debts. 
2. The original amounts, any interest, and fees associated with the accounts.

3. Documentation of the last payment made on each account.

4. A detailed history of the accounts, including copies of any signed agreements.

5. Information regarding whether these Please treat this as a dispute under the Fair Debt Collection Practices Act ( FDCPA ). I request that you cease reporting these accounts to any credit reporting agencies until the debt is fully validated. 

I expect a response within XXXX days of receipt of this letter. Please provide all documentation to my address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

See attatched XX/XX/XXXX statement confirms {$120.00}. Adjustment Purchase Temporary Credit NOT MADE PERMANET to BEGIN INVESTIGATION. ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX ON XXXX. A NEW PURCHASE {$120.00}. ON XXXX. Kindly Note XX/XX/XXXX statement attatched XXXX XXXX REFUND {$120.00} XX/XX/XXXX Kindly Note USAA REVERSED MERCHANTS CREDIT {$120.00} XX/XX/XXXX see attatched XX/XX/XXXX statement. On XX/XX/XXXX USAA Adjustment Purchase {$210.00} Temporary NOT MADE PERMANET CREDIT TO BEGIN INVESTIGATION ON WHAT WAS. REFUNDED BY MERCHANT see attatched XX/XX/XXXX statement XXXX XX/XX/XXXX On XXXX USAA REVERSED MERCHANTS CREDITS OF {$210.00} see attatched XX/XX/XXXX statement Adjustment Purchases XXXX {$110.00} Temporary. Credit NOT MADE PERMANET ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX & On XX/XX/XXXX USAA POSTS A NEW PURCHASE {$110.00} see XX/XX/XXXX statement USAA REVERSES STEALS MERCHANTS CREDITS.!!!!! See attatched XXXX XX/XX/XXXX ADjustment Purchases ALREADY PAID BY MERCHANTS see XX/XX/XXXX Statement REFUNDED {$12.00} THIS IS REVERSED XX/XX/XXXX. & {$26.00} {$9.00} ALL THESE MERCHANTS REFUNDS OF XX/XX/XXXX ARE REVERSED STOLEN BY USAA ON XX/XX/XXXX, XXXX see XX/XX/XXXX Statement. USAA ARE CROOKS
Product: Credit reporting or other personal consumer reports

On XX/XX/year> in a XXXX store, a woman offered me if I wanted to be a customer of the store without telling me that my credit status would be reviewed without my authorization. When I left the store before reaching the exit of the complex, I received a notice that my score was lowered by XXXX points due to an inquiry, I turned and told the lady why she checked my credit and her response was that that is the policy. of the store. without even asking me if I wanted to give them authorization to check my credit
Product: Credit card or prepaid card

I made a purchase for XXXX tickets back in XXXX of 2022. I used my NFL Extra Points card because they advertised 0.0 % interest on XXXX tickets for 6 months on a mailer they sent out with activation of my card. I called in and spoke with an agent to activate my card, and verified with the agent that if I used the card to buy XXXX tickets there would be no interest, and was advised that was correct. 

XXXX months later I was logging in to pay off the remaining balance to avoid interest and found Ive been charged interest since day 1. There has been over {$130.00} in interest actual over the 6 months. I feel this is very deceptive, and an unfair business practice of Comenity bank. 

I called in to close my account last week, and when speaking with a representative they suggested speaking with a supervisor. They went to transfer me, I was on hold for over XXXX and then was disconnected. I called in again today, spoke with 2 supervisors that said there was nothing they could do about the interest that was charged. So I requested to close my account due to their deceptive practices with charging interest when I was told there would not be any.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

A XXXX XXXX loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

On XX/XX/20 I notified Chase Bank that there had been an additional withdrawal from my account at another bank for a final car loan payment. They acknowledged this and notified me that in 10 business days my bank account would reflect the correction of this ( Sounds a bit long in todays age but I accepted this ). To date this has not happened having been 10 days and they now tell me they will research the case. They can give me no evidence they even processed a refund. Amount is {$280.00} and I feel that the bank has me as hostage and is holding onto funds longer then they should .Not a practice in these difficult times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I found that there was a tax lien on my credit from the state of Illinois for {$96000.00}. 



I had never owed any debts to Illinois, so I contacted the state to see if the lien was related to identity theft. After a series of unhelpful conversations with state employees, someone in the revenue department finally informed me that I owed Illinois income taxes from XXXX in the amount of {$960.00}. The figure on my credit report, {$90000.00}, is apparently an error by the reporting agency. 

I moved out of Illinois in XXXX, and have never received any notice of any kind from the state of Illinois, including any notice of past tax debt or liens. Because I was on IL unemployment for all of XXXX and Illinois had automatically withheld my taxes from those payments automatically, I knew the claimed back tax debt to be in error. 

Illinois XXXX XXXX XXXX employee XXXX XXXX emailed me in response to my inquiries, and told me I 'd have to submit proof of withholding to have the debt cleared. I dug up old tax returns and IL unemployment documents to show that I had never owed the tax, and sent them to XXXX XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX told me via email that all collection activity would cease and the lien would be removed once the cleared debt was processed by his department. I checked multiple times to be clear that no payment was required and that I had no outstanding debt to the state of Illinois. 

This week, I was checking my credit in response to the recent Equifax data loss, and found that the IL tax lien is still listed on my credit report as a balance due. I contacted XXXX XXXX in reference to our previous conversations, and he told me I 'd need to take it up with the IL XXXX XXXX. 

I reached the IL XXXX XXXX at the number XXXX XXXX provided, and was re-directed to another office called the " IL XXXX XXXX XXXX. '' A rep at that unit told me he saw the notes, correspondence, and documents in my file from XXXX XXXX, but that the matter had still not been processed or the lien removed. Worse, I w as told that once the matter was resolved, it would still show on my credit as a tax lien that had been paid off, rather than being removed completely. 

I am now attempting to apply for a mortgage to buy a home, and can not get one due to the adverse impact on my credit from this erroneous lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assure it has to be. I have not been able to get help from them for months that is why i am filing this report here. I feel they are not doing their job properly and it is effecting me a great deal because I use PayPal quite often and now I can not access the money I have sitting in my account and that is not right at all. My email linked to my PayPal account is XXXX XXXX
Product: Credit reporting

This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. There is an inquiry on my Equifax credit report that is fraudulent and does not belong to me. I have already filed an FTC report.
Product: Debt collection

A charge off is a XXXX of indebtedness which means it is income it must be removed. ACIMA DIGITAL FKA SIMP is in violation of privacy act 1974, I didnt give ACIMA DIGITAL FKA SIMP Consent to report my personal information I also dont remember doing any business with this company, do to ACIMA DIGITAL FKA SIMP violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.