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

I have a charge card with Bank of Ameria and I have tried to dispute monthly charges of {$24.00} since XX/XX/2021. Due to the fact that I have had health issues to deal with since XXXX, it is recently that I realized I have been billed monthly. I have called the company to dispute the charges and they did look into my claim and came back with I had to pay the bill. This past month I have been talking with customer service and I am not getting anywhere. They say it is a company XXXX XXXX. I looked into the company on line and it is a Fraud Co. I talked with a lady at Bank of America charge company and said she would look into it. I told them it was a fraud company and she said they would have to turn the matter over to the Fraud Dept. and she would send me another card. I haven't received the card and they probably haven't canceled my card. I don't plan to use this charge card company in the future. I had not heard from them and I called again this morning and after long delays, I talked to one man and he didn't get back to me ; another man came on and said the company was XXXX and he would look into it. I went on line and that company has a bad reputation. I have not received any products or services this company. I wish to dispute the claims on my charge card bill. Thank You.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, upon reviewing all 3 of my credit reports I.E. XXXX, XXXX and Equifax. They all reflect unauthorized hard inquiries on them.
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for XXXX years and XXXX refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to XXXX and Resurgent Receivables  via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries were discovered on XXXX of XXXX. The following inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX of XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit card

I have a JCPenny XXXXcard, and I had a payment due on XX/XX/2023. 
I went to the store on XX/XX/XXXX, to make a payment as I always did. I had XXXX checks XXXX for {$600.00} and another for {$900.00} adding up to {$1500.00}. The amount on the statement that was owed was {$1300.00}. She did not give me a receipt for the second check, so I asked the manager for one. He was able to print one up, so I put everything in my purse. I did have my granddaughter with me for school shopping. 
I receive text messages from my bank about my account. I received one on XX/XX/2023, that I had {$1300.00} in my checking account. Then XXXX hour and XXXX minutes later, I received another text for a withdrawal of {$1500.00}. Then checks started bouncing. I looked at my JCPenny statement and the receipts and saw she charged my checking account {$1500.00}, not the {$900.00} It was made out for!! So, I called the bank and to them what they did. They called the credit card company and they put the money back into my account.

Now the statement says they put it back on XX/XX/XXXX and on the same day charged me {$50.00} late as they never received the money!! 
So I called the credit card company to dispute the charges, that it was their fault, not mine, They keep saying I got the money back and according to my bank did not get the money back till the XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Information Solutions , Inc. ( Experian ) for violating the Fair Credit Reporting Act ( FCRA ). I believe Experian has failed to conduct reasonable reinvestigations of my disputes, failed to provide adequate notice of the outcome of my disputes, and failed to utilize reasonable procedures to ensure the accuracy and completeness of information in my files. 
XXXX XXXX On XX/XX/XXXX, I discovered an error in my Experian credit report. I contacted Experian to dispute the error and provided them with documentation to support my claim. Experian acknowledged receipt of my dispute but failed to conduct a reasonable reinvestigation. 
Experian also failed to provide me with adequate notice of the outcome of my dispute. I did not receive a written notice of the outcome of my dispute until XX/XX/XXXX, which was more than 30 days after I submitted my dispute. 
In addition, I believe Experian has failed to utilize reasonable procedures to ensure the accuracy and completeness of information in my files. My credit report still contains the disputed information, even though I have provided Experian with documentation to support my claim. 
Relief Requested I request that Experian take the following actions : * Conduct a reasonable reinvestigation of my dispute. 
* Provide me with a written notice of the outcome of my dispute within 30 days of receiving my dispute. 
* Correct any errors in my credit report. 
* Provide me with a free copy of my credit report. 
I also request that Experian pay me damages for the harm caused by their actions. 
Conclusion I believe Experian has violated the FCRA and I request that you take action to remedy the situation. 
Sincerely, XXXX XXXX
Product: Mortgage

I paid off my mortgage with XXXX XXXX XXXX  on XX/XX/2021 and was advised that a satisfaction of mortgage would be submitted to the county of recording XXXX XXXX County FL ) within 60 days as required by state law ( based on my knowledge and review of Florida requirements of mortgagees ). 

I called XXXX XXXX XXXX  on or around XX/XX/2021 to request status of the document as it was nearing the 60 days requirement. I was advised they were backlogged and could not give an ETA on when the document would be submitted, but that it would be completed as soon as possible. As of XX/XX/2021 XXXX XXXX XXXX still has not filed the satisfaction with the county clerk.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, this creditor, Santander Consumer USA has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ,15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit car account under an open in consumer credit plan as late for any purpose.
Product: Checking or savings account

In XXXX of 2020 PayPal put a limitation to my account and refused to allow me to withdrawal my funds, as well refused to close my account. To this day I still have money stuck in this account. I called PayPal today and was told they will not allow me to withdrawal the funds still remaining in the account, and also refuse to close my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in Violation of 15 US Code 1681s-2 ( 1 ) ( A ) and 15 US Code 1681s-2 ( a ) ( B ) ( i ) ( ii ). The Violations are for reporting information with actual knowledge of error and reporting information after Notice and confirmation of error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Amex, This is NOT A DUPLICATE complaint! 

The following information needs to be verified and deleted from my credit report as soon as possible : Fraud account # XXXX
Product: Debt collection

Since XX/XX/XXXX Ive been trying to get XXXX  to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about XXXX. The complaint was about XXXX unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX XXXX  deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 

On XX/XX/XXXX XXXX was reporting the following collection account XXXX XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about XXXX and the account was deleted from my credit report. 

As of XX/XX/XXXX XXXX is reporting XXXX XXXX XXXXXXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX XXXX XXXX account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 

As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted from my credit report.
Product: Credit card

Best Buy CITI Card Member since XXXX. 
Debt protection ( XXXX ) charges of {$1400.00} since XXXX I canceled plan and ask for a refund in XX/XX/XXXX. Refunded {$37.00}. I have called 3 time since to request a refund that more fairly reflects the false charges for a service I have no recollection of signing up for. I have asked 3 times for proof that I signed up for this service when I became a member and they have not sent me anything.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : EXTRA ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX XXXX  ACCT # DATE:XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Equifax : XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 Key
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX 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

I am a victim of identity theft, and the following inquiries on my credit report were not authorized by me. I request that these fraudulent inquiries be immediately removed from my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the removal of fraudulent information.

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission, and their presence is causing harm to my credit. Please investigate and remove these inquiries immediately.
Product: Checking or savings account

On XX/XX/XXXX, I discovered a total of {$3000.00} was transferred from my Sofi account to people I do not know. 

XX/XX/XXXX, XXXX transfers totaling {$3200.00} from my savings to my checking occurred without my authorization in the amounts of {$1500.00}, {$1000.00}, {$700.00}. 

XX/XX/XXXX, XXXX transfers were made to people I do not know totaling in {$3000.00} ( XXXX XXXX {$1400.00}, XXXX XXXX {$960.00}, XXXX XXXX again {$600.00} ). 

I called customer support on XX/XX/XXXX where they opened case XXXX for the dispute. I contacted sofi 2 times via chat for a status and they stated I must wait for an email. 

XX/XX/XXXX, I received an email stating, Based on our investigation, we do not find that an error has occurred. Therefore, no funds will be credited to your account as a result of your claim and this matter is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies, or if you have any further questions, please reply to this email or contact us at the number listed below. 

I called immediately on XX/XX/XXXX and was told that they will open an appeal. I received no email stating the appeal was opened so I replied to the original email on XX/XX/XXXX. The email included the details of how this was unauthorized. Also, if you tap on any of the transactions, the screen was blank. On legit transactions, there were details such as routing number, merchant, AHC ID, and transaction ID. This shows there was something wrong with these withdrawals. I also included a link and screenshot XXXX XXXX XXXXXXXX shows I am covered under the Mastercard Zero Liability policy. 

XX/XX/XXXX, I received the following email : We have received your request to appeal the decision on this dispute. You will need to provide documentation to support your claim that has not already been provided. Your dispute will remain closed until that information is received. Note : SoFi is unable to advise what is needed in order to appeal your claim. 

XX/XX/XXXX, I replied that I included the documentation in the XX/XX/XXXX email and requested a copy of the documents Sofi used in determining the final outcome of the investigation. 

On XX/XX/XXXX, I received an email stating my checking and savings accounts have been closed due to a violation. When I called, they stated I can look up the agreement online which was a very large document and I couldnt find what I did to violate the agreement. They transferred me to another department who said my appeal is still open. Now I can not see my past transactions. Fortunately I took some screenshots but this all seems suspicious. 

As of today, XX/XX/XXXX, I still have not received contact regarding this issue or the copy of the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my first complaint, and after 5 months of waiting to get this issue resolved I feel this is my only option to communicate with Capitol One. May of this year I applied for a capitol one credit card for XXXX XXXX XXXX ( where I work ), I was emailed by a representative asking for more of my Income information, I declined and decided I no longer needed the card. I never got a response from the representative, some time later I check my credit report and I not only have that credit inquiry from the XXXX but she processed another credit application on the XXXX which I DID NOT AUTHORIZE. I immediately called, left voicemails, sent emails etc. No response. 

Fast forward to XXXX when I create a complaint on CFB, Im contacted by someone in the executive offices saying they are aware of the issue and that she " accidentally '' submitted another application when she was trying to see if any information was updated ... what could have possibly changed on my credit in a day? 

I was then sent a letter stating they would send all the information from my account to the credit companies and it would left the the reporting agencies to decide if they would remove it or if it would become a soft inquiry ... that was suppose to take 60 days max. 

60 days later and the unauthorized inquiry is still there. I contact the number I was given to the executive office, the woman I originally spoke with is not available or just doesn't know how to return calls. I speak with a new gentlemen, he ensures me he will look into it and see why it is taking so long, says he will call me by the end of the week to update me. 

I call him after I never receive that update, it appears as though my case was never sent to the reporting agencies to be removed, I finally reach him, he promises once again to keep me informed on the process, that was two weeks and two voicemails ago and have yet to hear from anyone. I told him that it is extremely important that it be removed because I will be purchasing a home in the next few months. He then created a case for me # XXXX, not sure why there wouldnt have already been one. I dont know how many complaints I must post, or representatives I must talk to in order for the issue to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular company ran unauthorized credit inquiry on my credit report. Please remove as this is suspicious to me : XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my previous mortgage loan servicing ( XXXX XXXX XXXX ), that my mortgage was sold to another loan servicing company. 

After a few months I did not receive any notification from my new loan service company. I wrote XXXX XXXX XXXX  and they told me in an email that XXXX XXXX is my new loan service company and to pay them the XXXX mortgage, which I did as instructed. Shellpoint has that email from XXXXXXXX XXXX XXXX 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Community loan payment instructions Attn : Payment Processing - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Pay To : XXXX XXXX XXXX : XXXX XXXX : XXXX  XXXX Pay To : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Payment Clearing Bank Name XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Special Instructions Please ensure that an e-mail with wire backup details is sent to XXXX for every wire sent to above post-transfer payment account. 
-- -- -- -- -- - I later found out that Shellpoint now claimed to be my loan service company. They said they sent me a welcome letter. I told Shellpoint I never received their letter but I did receive notification from my previous loan service company that my loan service company is XXXX XXXX NOT SHELLPOINT. I trusted that Shellpoint would straighten this matter out. I showed Shellpoint I paid XXXX XXXX XXXX payment as instructed by XXXXXXXX XXXX XXXX. Shell point took more than 2 months to verify that I did pay and had my XXXX mortgage payment sent to Shellpoint. Shellpoint notified my credit reporting bureaus that I was late. The result my credit scores on all three credit bureaus ' dropped more than XXXX XXXX  This action by Shellpoint ruined my credit. 

I still do not have an official notice from Shellpoint they are my new loan service company I only have their monthly statements which show that I have paid on time. 

I sent them Shellpoint XXXX XXXX XXXX  notification that to pay ONLY XXXX XXXX and the cancelled check showing that I did pay XXXX XXXX. 

I called Shellpoint and they said I could not talk to anyone on the phone at their loan servicing department. I would have to send them an email plus send all reports from credit reporting agencies. 

Shellpoint has no interest in resolving this matter and wants me to me go away and suffer with a bad credit report. My credit was at around XXXX then dropped to XXXX after Shellpoint erroneously notified all credit agencies of my late XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my car to XXXX on XX/XX/XXXX, XXXX sent a payment in full to Ally on XX/XX/XXXX which they cashed. They did not apply it to my account to pay off the car as it was intended, instead they pocketed the money and claimed there was an issue with the check even though XXXX and I had evidence of payment received and processed. 

I called Ally 3 times a week and talked to someone whos was always outsourced and never on-shore, they kept giving me conflict of information and now, my credit is showing 30+ Days late when I already paid the car completely off 2 months ago! 

This is the tracking number for the {$22.00}, XXX check I sent out : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account I was an authorized user on which was my son 's I had myself removed back in XXXX and it is still listed. I need this removed ASAP I have waited more than 45 days an addressed it with a dispute. Please help assist me. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My sister accidentally sent money to an old Venmo account of mine when trying to send it somewhere else. We contacted Venmo and they refuse to reverse the transaction saying I owe them money for a failed payment that should have never been made. Never did I receive a notice regarding the failed payment and they paid it basically making me responsible for something that shouldnt have gone through. Now, my sister is trying to get her money back and she cant because the collections department refuses to give her money back.