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

On XXXX XX/XX/2019 I overpaid my Bank of America credit card account by {$27000.00}. On XXXX XXXX I discovered this and contacted B of A asking for a refund to my XXXX Bank account ( where the funds had originated ). I was told it would take 3 - 5 business days. On the 5th day I contacted B of A asking where was the refund. I was told it might really be 7 - 10 business days. Other phone calls have indicated it might be 10 - 14 or 14 - 21 days. I kept being told that the delay was because of the large amount of money involved. I have made at least six phone calls, all with lengthy time spent on " hold. '' On XXXX XXXX I received a letter from B of A dated XXXX XXXX that stated that the funds had been transferred to my checking account. When the funds had not turned up by the 11th, I called and was told it may take several days to " clear through your bank. '' My bank says they process immediately -- no delay. 
On XXXX XXXX the funds have still not been returned. Now I am told by a " supervisor '' at B of A that they refund accounts using XXXX as the intermediary party and XXXX had been given the funds on the XXXX. Obviously the letter was false. 
Now they say 30 business days from the XXXX, meaning this could be the middle of XXXX. These are electronic transfers from bank to bank. I can not believe it could take over two months to move $ XXXX from B of A to XXXX. This is ridiculous and unethical, maybe illegal. 
The credit balance B of A held in my credit card account was far in excess of my balance owed, yet now they want to charge me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) XXXX This number I dial for my annual credit report automatic hard copy of my report, XXXX was the only one that honored my request, I was given online access to my report from XXXX and exquafax that I did not request nor do I want. I called XXXX and they are honoring my request for hard copy and are, I was told investigating why my hard copy request was not honored. Now exquafax is refusing to give me my hard copy of my credit report yet they gave me access via the internet. Due to exquafax being hacked I do not want internet access I want a hard copy, in order for me to get the hard copy they are asking me illegal questions that are not required for me to obtain what is already mine.
Product: Credit reporting or other personal consumer reports

XXXX continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX XXXX Ava Finance Inc, XXXX XXXX continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Product: Payday loan, title loan, or personal loan

they will not give me validation of the debt and never told me or called me about the debt
Product: Mortgage

I paid off my mortgage loan to XXXX XXXX Mortgage ( XXXX ) on XX/XX/year> when I learned they were transferring mortgages to XXXX XXXX-a company with a poor reputation according to consumer comments. The transfer between XXXX and Mr. Cooper occurred on XX/XX/year> which was XXXX days after my loan was paid off. The amount paid off to XXXX was {$46000.00}. I contacted Mr. Cooper frontline employees on XX/XX/year> and XX/XX/year>. They were unable to assist me with backing out my information on their end after I told them my loan was paid off. Mr. Cooper 's own documentation says they relied on information from XX/XX/year> which is now well over XXXX days old. They sent me a bill requesting payment by XX/XX/year> which was unpostmarked. I did not receive the bill until XX/XX/year>. I did not pay it because my loan is paid off. When I could not get any relief by phone and they sent me a bill, I sent a certified letter on XX/XX/year> asking Mr. Cooper to cease and desist. I requested a document from them that states I have been removed from their system and I DO NOT owe them any money. I am extremely worried they will damage my credit rating which is exceptional. What they are doing is fraudulent in my opinion. I even received a notice from XXXX ( credit monitoring ) over the weekend that indicates the loan is paid off.
Product: Credit card or prepaid card

I applied for the unsecured Amazon Store Card and was approved on XX/XX/XXXX. As part of the agreement, I was required to provide an initial deposit of {$500.00}. The agreement also stipulated that my initial deposit will be refunded after my card is updated to a secured account. 

My account was upgraded to a secure credit card around XX/XX/XXXX. All attempts to get my initial deposit refund has not yielded results. 

I have made numerous ( 8 at least ) calls to their customer service centres, and the response is always : " wait 7 - 14 days, your check will be reissued '', but they never follow through with this. 

My last call with a representative was on XX/XX/XXXX, and I was again told to wait 7-14 days for my check, which I was supposed to have received about a month ago, based on a previous call.
Product: Debt collection

I am writing to dispute the failure to remove a fraudulent account from my credit report. The bank and other bureaus have acknowledged and rectified the issue, yet it persists on your report. This not only violates compliance with the law but also harms my credit integrity. Please rectify this immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$2000.00}
Product: Consumer Loan

We have had a loan with bank of the west for many months sending payments to the same address which is the only address that my bank had for the online bill pay for as well as what bank of the west had on our payment booklet. For many months my bank took out the money from my checking account and sent it to the bank of the west. Bank of the west processed every payment until it came to my XX/XX/XXXX Payment when they decided they would no longer accept payments at that address. Without informing us at any point that it was not going to be accepted nor that the payments we had sent for XX/XX/XXXX and XX/XX/XXXX would not be accepted. It was n't until my bank notified me that the XX/XX/XXXX Payment had not been cashed for over 30 days. We contacted the bank of the west who were rude and disrespectful. They informed us to cancel the payment we forwarded to them and to send it a different way. So we wired them the money since we has no time without it effecting our credit. They received the payment and only weeks after processing the payment informed us they were charging a late fee. Due to the lack of communication on their end it is coating us both finically and mentality. Their lack of customer service and support has caused miscommunication and effected our credit at fault of their policy. We have asked several times to speak to someone in charge and have only been sent in circles being told no management is working at any time we call. We have asked them to listen to our situation and we are pushed aside like we are irresponsible borrowers. We have lived up to our end of the deal with bank of the west but with their unfair and decptive practices they have not lived up to treating us fairly.
Product: Debt collection

On or around XXXX or XXXX of XXXX I had to call am I lance for a fall and XXXX XXXX at that time I was unable to drive XXXX XXXX was very XXXX  and lots of pain I explained that to am Ilan e they tried to avoid the issue of XXXX XXXX being over XXXX and ended up taking me to the XXXX Around XXXX of XXXX I receive a bill from XXXX  stating insurance denied the claim where I then called Medicare who stated the company was not properly notating the information regarding the need and the code they were using was not ambulance approved! Medicare then told me to call XXXX  request they properly notate the reason for call and need and file it under the proper code and resubmit! The same employee twice told me that they did it right and they would just stick it in a folder due to Medicare would still deny it! Willing knowing they were improperly billing the whole claim and they never sent it back through Medicare! I called a month later and still had not resubmitted the bill through my insurance which I have a primary and a secondary XXXX XXXX  from the military with no need for copay or pre authorization for medical care of the claim is sent in correctly and noted the claims have never been denied! After calling XXXX three times she stated there was no need for them to change the information and that if I did not want to pay the bill so be it they would then it o er to collections and It would then affect my credit which it has done that! The day of call the need for ambulance was needed and led to worse and further damage and more rides in the ambulance to the hospital, XXXX billing department never resubmitted the claim properly to the insurance company and until they do the correct billing and submit the claim the proper way it will go unpaid! Why should I be responsible for a large bill when I have two insurances from my service to this country but since XXXX wanted to be nasty and hateful with no help at all and only threaten me about the bill after I spent time with insurance verifying there code and notation was the issue. I feel the billing department should have to delete this collection from my credit and do as I instructed them to after speaking to Medicare. Im not sure if XXXX calls are recorded in their billing department or not but if they are it can be tracked down to the employees nasty statements and the amount of time I asked them to resubmit when they only submitted the claim once and it was incorrect. Threats and damaging my credit over disregard to follow billing rights and laws is unfair on my part! My bills are always paid and I have full paid insurances to cover my medical needs so Im asking this complaint be fully investigated to the fullest and my rights to medical care and billing be applied to the amount of problems this bill has now caused me for over five months due to them refusing to following instructions by insurance company!
Product: Debt collection

In late XX/XX/2019 I received a notification from my credit monitoring service that there was a collection added to my XXXX credit file. I immediately contacted IC systems and paid the medical they were collecting on behalf of XXXX XXXX. The amount owed cleared my account on XX/XX/2019. The collection was removed from my XXXX Credit report as per the agreement with IC system in mid-XX/XX/2019.  On XX/XX/XXXX I was alerted that the same item by IC system for the same amount had been re-added to my XXXX credit report 2 days earlier. I immediately contacted IC Systems where a very rude representative ( he was dismissive and did not want to hear what I had to say ) hung up on me. I called back and another lady answered and was kind enough to look at my file and confirm that I had in fact paid and that it was updated back in XX/XX/2019. I had paid the agreed upon amount and they had removed it from my credit report. She advised she would notify her supervisor and her supervisor would call me the next day. The next day came and went and no one from IC systems called me back. I waited and called again on the XX/XX/XXXX. To which no one helped even after 2.5 hours on the phone and over 7 different transfers. I even called XXXX XXXX XXXX which reported that IC systems never told them ( XXXX XXXX XXXX ) that I had in fact made a payment back in XX/XX/XXXX. I asked the XXXX XXXX XXXX representative to stay on the line and confirm to IC Systems that this was the same date of service and not a duplicate. He stayed on the phone while I was transferred 7 more time and no one would speak to him or I to clarify this situation. Currently my credit score/report are taking a significant hit because these two companies can not get on the same page and report correctly to the Credit Bureau, even after confirming payment. I am at a loss at the lack of customer service with IC Systems staff. I am significantly upset that something I handled so promptly is taking this long to handle. 
No to mention that ALL of this would have been avoided if XXXX XXXX XXXX would have billed BOTH my insurances for the service they provided, and followed up with the required information my insurance requested from them. So not only did I pay for a collection that I was OVER insured for, but now I am dealing with IC System and their defunct way of damaging my credit report without concern, even after I paid. 

I hope no one else has to deal with situations like this but I see that this is common practice with these two companies. I ask that my credit report be correctly updated and the collection that was placed on my credit file erroneously be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXXXXXX, ME XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 20 years. I have sent numerous letters and police reports to Chex Systems in regards to fraudulent checking accounts and inquiries viewed by others being reported on my XXXX XXXX ID : XXXX. Chex Systems continue to report fraudulent checking accounts and inquiries viewed by others on my consumer report, despite being informed that the checking accounts are inquiries are not mine, that I am a victim of identity theft and that Chex Systems has a current police report on file in regards to me being a victim of identity theft. The following checking accounts and Inquiries Viewed By Others currently listed on my Consumer Report ID : XXXX is fraudulent and not my checking accounts or inquiries : XXXX XXXX Credit Union, XXXX XXXX Credit Union, XXXX XXXX Credit Union, XX/XX/2022, XX/XX/2022, XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, and XXXX Bank, XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED FIXING THE PROBLEM A FEW TIMES SUBMIT CANCELLATION OF DEBT TO ALL PARTIES FROM IRS PAID IN FULL EVEN UPLOADED PROOF OF DOCUMENTS 1099 C ACCEPTED BY IRS WAY BEFORE NEGATIVE ITEMS HIT AND HARM MY CREDIT REPORT ASK FOR AN REINVESTIGATION OF ACCOUNTS XXXX XXXX AND XXXX XXXX XXXX XXXX EXCHANGE ACT STATES IF STATEMENT FILLED PURSUANT TO RULE 13D-1 ( B ), 13D-2 ( B ) OR C SECTION 18. 

XXXX XXXX XXXX XXXX. Subpart C of this part applies to any person that uses information from its affiliates for the purpose of marketing solicitations, or provides information to its affiliates for that purpose, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the XXXX XXXX XXXX Reform and Consumer Protection Act, Public Law 111203, 124 Stat. 137.

Pre-existing business relationship ( i ) In general. The term pre-existing business relationship means a relationship between a person, or a person 's licensed agent, and a consumer based on : ( A ) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation covered by this subpart ; ( B ) The purchase, rental, or lease by the consumer of the person 's goods or services, or a financial transaction ( including holding an active account or a policy in force or having another continuing relationship ) between the consumer and the person, during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart ; or ( C ) An inquiry or application by the consumer regarding a product or service offered by that person during the three-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a complaint to dispute an account listed on my credit report. The following Collection accounts : CAUSING DETRIMENTAL HARM XXXX XXXX XXXX XXXX XXXX The amount {$1100.00} was sold to an unnamed collection ( not my debt never lived in California ) XXXX XXXX  - the amount of {$32.00} was sold to an unnamed collection agency without notification and it's a false debt. 

XXXX - {$480.00} was sold to an unnamed collection agency without notification and it's a false debt. I have never had XXXX, I have only had XXXX 

CLOSED CREDIT CARD ACOUNTS THAT DONT BELONG TO ME ARE BEING LISTED AND NOT ONLY ARE THEY CLOSED BUT THEY ARE NOT MINE. 

XXXX XXXX - {$4700.00} LISTED AS CLOSED BUT REMAINS ON MY REPORT AND ITS NOT MINE TO BEGIN WITH. 

XXXX XXXX - {$3100.00} ALSO LISTED AS CLOSED BUT REMAINS OPEN ON MY ACCOUNT AND DOESNT BELONG TO ME. 

XXXX XXXX  - {$650.00} ALSO NOT ME AT ALL I NEVER LIVED IN CALIFORNIA WHERE THIS DEBT ORIGINATES AND THEY JUST LEAVE OPEN ON MY ACCOUNT AT AS CLOSED WITH WRONG INFORMATION... 

I INTEND TO FILE LEGAL ACTION AGAINST THE BUREAU IF THIS ISNT REMEDIED IMMEDIATELY. I'TS CAUSING ME GREAT FINANICIAL DISTRESS. 

These accounts are either reporting incorrectly or transferred to an unnamed collection agency without my prior knowledge or consent, has been inaccurately reported to the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, information can not be reported to credit bureaus without my consent unless it's done for a permissible purpose such as credit transactions or employment decisions. Additionally, 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the collection agency from reporting this debt without proper authorization and notice. 

I am requesting that the CFPB take action to have these accounts removed from my credit report, as the reporting of this debt is a violation of my rights under consumer law, including the FCRA and FDCPA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, file a dispute with XXXX regarding a XXXX XXXX bankruptcy that was sent to XXXX, XXXX and Equifax I was informed by XXXX that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records XXXX XXXX in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! XXXX is a corporation that does not follow the law. also, XXXX along with Equifax are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over 6 disputes to XXXX and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with your company due to the false reporting of invalid information and credit reporting errors. The accounts listed below are charge off accounts. I have sent in proof multiple times with your company stating that they have been updated and corrected. In a charge-off as you are aware, the company writes off the debt and then the balance is XXXX. You clearly show here that the accounts have not been updated and are still reporting false information. I also have highlighted them in the attached credit report. You are in violation of the FCRA and need to address this XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5400.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} CHARGE-OFF {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XX/XX/XXXX {$7000.00} CHARGE-OFF {$6000.00} XXXX XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX {$6100.00} CHARGE-OFF {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of XXXX XXXX. I have now spoken to 10 representtative of XXXX XXXX and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of XXXX XXXX and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.