23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX, 2015, I became certain that I was dealing with a dishonest company that does n't return calls & when we call it puts u on hold for XXXX minutes & more & then disconnects the call over & over again, & that all others have had the same problem with them, I was sold a bogus home warranty by a company that did n't have honest business practices & had given me contradictory information & never sent me the membership package despite my several requests for it neither any receipt for charges they had made to my Chase Credit card, on XXXX/XXXX/15 I reached a conclusion that I 'm wasting my time & it 's not gon na get any better & sent them a cancellation request & requested a full refund of my money, not knowing that I was overcharged by them {$390.00} & another {$50.00} as well back in XXXX & XXXX as I had a big flooding disaster in my home & was overwhelmed with extensive repairs & damages & its consequent health problems it had cost me. I become more certain of the indecency of this company for having taken so much extra funds out of my account & not crediting back the overcharges on XXXX/XXXX/15 ( the same day I found out, I asked my bank to charge back or file a dispute )! I contacted the company via phone & email & left them messages to refund my overcharges immediately as well & have not received any calls or messages from them, then filed a complaint with attorney general office of NJ & found out they 've XXXX open cases already against this entity! I asked Chase credit card disputes department to put all charges on dispute by this entity & change back all the amounts they 've taken from my account & the rep did n't want to help me because it was past 90 days from the posting date! I called them several times again & they would still say the same thing while they have a duty to protect their client when their client is in great standing & has been taken for a ride! I have had special circumstances & had not become aware of the overcharges by this deceitful entity. My bank has a fiduciary duty towards me to protect my accounts & funds specially in unfortunate circumstances. I 've the right to have a saying about my founds! I 've been a great client of Chase bank & ca n't accept irresponsible approach to a client whose funds have been stolen from her account! I know that banks can help with a dispute/chargeback request even past 90 days when it 's a crucial matter. I 've seen other banks accept disputes from my colleagues past 90 day period, & would like to make sure my bank takes care of this matter immediately as I wo n't let my bank let this company run with my money. If anything, you would think your bank would exercise some power to protect the account holder & their funds! I have n't hired this bank to throw away my money for me in the hands of dishonest people. It happens to a lot of people that sometimes they do n't catch an overcharge or indecency of a company within 90 days of its charging dates, & that 's not appropriate to not protect the client as the consumers are protected by Consumer Protection Act beyond 90 days!!! & in my case thank XXXX I found out a few months later not years later!
Product: Checking or savings account

ON XX/XX/2019 I WAS TO RECEIVE INTO MY CHECKING {$4000.00} ACH FROM TAX REFUND. SEE ATTACHED.
Product: Mortgage

I applied for an FHA loan with XXXX XXXX. We corresponded via email regarding all items needed by the underwriter to approve the loan. On XX/XX/2018 at XXXX XXXX I received an email from the processor who advised that the closing department was working with the title company to get the final figures and then my closing disclosures would be sent for me to sign. I was advised to sign the documents once received because this would start my 3 day period for closing. I received my closing disclosures, signed and returned them the same day XX/XX/18. Then I woke this morning to an email from the processor with additional conditions to clear before closing. In the mortgage business I know that the closer only sends out closing documents after the underwriter has issued a clear to close. How is it possible for the Finance company to come back after the closer has sent the closing disclosures and request additional documentation? They advised me that their company has different procedures than other banks and mortgage companies. They need to be investigated. I feel they are misleading consumers and are causing me to miss a deal in which I have a binding contract with a seller.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

We were forced to move out of our rental in XXXX of 2021 due to Covid and had to get into a cheaper rental. The entire month we left notice, we were hounded to move out and ended up not even using the the whole month. The last 2 weeks, we got XXXX and had to quarantine and were unable to finish moving out. The company XXXX XXXX XXXX threw all of our stuff away and then we never heard from them again. We checked our credit report last month and found that XXXX XXXX XXXX XXXX has a collection account for XXXX XXXX XXXX for an amount over {$4000.00}. Weve never received any type of paperwork at all. Weve dealt with XXXX XXXX XXXX XXXX in the past. They have tormented us, as well as family members and friends who have accounts in their hands. They make it IMPOSSIBLE to resolve any issues, and will NOT take payment plans or anything like that! We CAN NOT deal with them because we feel like they will retaliate against us just like they did in the past. They make it impossible to get the important paperwork that we need. We dont know what else to do. We would be able to work with any other debt collector who got that account, but we can not deal with them.
Product: Debt collection

XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.
Product: Credit card or prepaid card

Reviewed my credit report and found chase card reporting a balance of {$2800.00}. Please produce proper validation per FCRA regulations.
Product: Debt collection

On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ( XXXX ) ( XXXX XXXX XXXX  ) Has violated my rights. 

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

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
Product: Credit card or prepaid card

XXXX XXXX notified me of identity theft associated with bank of america who had sent me unsolicited credit cards -- 2 of them.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXXCompany Information : _ - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Address : _Complaint : _ I am submitting this complaint to request the removal of three late payments reported on my credit report for the XXXX XXXX XXXX XXXX account ( Account XXXX XXXX XXXX ). These late payments are inaccurate and are causing harm to my credit score. 

I have previously disputed these late payments with the credit reporting agencies ( Equifax, XXXX, and XXXX ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

_Relevant Laws : _ - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 
- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Product: Mortgage

I was in a XXXX  XXXX Bankruptcy for 5 years. My Bankruptcy was XXXX on XX/XX/XXXX. I satisfied all my delinquent payments with Third Federal. I called Third Federal toward the beginning of XX/XX/XXXX ( I cant remember the exact date ), to request online access to start making my mortgage payments. The representative stated that I would not be able to have online access to my account due to my bankruptcy. I explained that my bankruptcy has been XXXX. She explained that because I had a bankruptcy I would never be able to access my account online, and that it was Third Federals policy. 
I can understand not being able to have access to your account online while in an ACTIVE bankruptcy, but I don't understand why I wouldn't be able to have access after it has XXXX. 
This practice is bias and prejudice. I completed my bankruptcy, I am current on my payments. I should be afforded the same conveniences as other customers. Third Federal should not be permitted to make it harder for me to make my payments. I should not be forced to go into a branch, especially during a pandemic, or use a break or my lunch at work, to make a call. I should be able to pay my mortgage online like I pay all my other bills. I should not be discriminated against because I fell on hard times and had to file a bankruptcy.
Product: Money transfer, virtual currency, or money service

I send {$800.00} to a family member it remained in pending stage, I call Cash App Representative told me to download client remote He ask me my card on file then he said he sees the {$800.00}, he then said he will remote transfer it to a Cash App XXXX  XXXX, after that was done I never received or seen my {$800.00} after that. I filed a complaint over the phone and then again on line with cash app to get my Social Security XXXX money back in my account, my Card on file end in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by CITIZENS BANK was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
Equifax has different account number than XXXX and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquires that dd not have permissible purpose. I also attached evidence 1. XXXX XXXX - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15USC 1681b 2. XXXX XXXX - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15USC 1681b 3. XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15USC 1681b
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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/year>
Product: Credit card or prepaid card

In  XXXX  of  XXXX , I received an invitation for me to apply for the  BarClay Luxury Gold card from Mastercard w hich offered me as an  XXXX   XXXX  service member 0 % APR and 0 % interest with the additional perk of waiving the annual fee of {$990.00} per year for the duration of my  XXXX   XXXX  service. Due to my high tempo life style in the  XXXX   XXXX , this card was attractive in that it gave me more options and more attractive rates than anything I was able to find. I applied and was approved in  XXXX  and received my card soon after. After I received the card I made a phone call in about late  XXXX , early  XXXX , to the customer service to line to ensure that it was in fact 0 % APR and 0 % interest and no annual fee for the duration of my active service. They informed me that in order to ensure the Service Members Civil Relief Act  ( SCRA ) was   followed, they required me to send a copy of my  XXXX , my orders and a few other things to prove I was in fact an  XXXX   XXXX  service member, which I had no problem doing and did the next day. A few days letter I received a letter in the mail thanking me for my service and " I would be able to maintain my benefits of the duration of my service ''.     In  XXXX  of  XXXX , I received another letter stating that I am no longer eligible to receive the benefits they promised initially when I first signed up and charged me the annual fee of {$990.00}, but kept the 0 % APR. I looked on my account and they charged me for the annual fee. I 've mad e 2 phone call s to their customer service department and although when I initially signed up they promised me to never retract their offer, they now have. This was a very attractive offer for service member 's, however the fact the company has promised in writing to waive the annual fee, they are basically going against their promises and really putting it to the service members/users of the card.     I have turned a few friends onto the card, because again, as a service member it 's attractive due to our lifestyle.
Product: Credit reporting or other personal consumer reports

I am writing this letter because I notice there have been several fraudulent inquiries added to my consumer report. Which I did not request to any company. I am not liable for them and ask for them to be deleted. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with all three credit bureaus company keeps adding to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Paypal account showed up on my credit report that was not mine. Since I'm a paying member with XXXX through their " XXXX '' program, I called for assistance and was told to file a dispute, which I did on XX/XX/XXXX. Their reply on XX/XX/XXXX led me to believe that it was taken care of and that my credit report would be updated. This account continued to show up month after month and I continued to dispute this ( XXXX Report # XXXX ) until their last reply basically told me to stop disputing the same account as " your information has already been verified. '' I did everything I was instructed to do to help remove this account from my credit report and to stop the account all together. Meanwhile, I had been calling the company ( Synchrony ) to let them know as well. They would only allow me to stop the account even though I could provide them NO information, no account number, no purchases, nothing, AND they did not have my phone number or my email on file. They could only find it me in their records through my SSN, which XXXX flagged for me when all this started. So fast forward to XX/XX/XXXX and I've been served with a court ordered petition regarding this same account that I have been disputing since it showed up on my credit report back in XX/XX/XXXX. Yesterday XX/XX/XXXX, the XXXX rep that I spoke to filed a fraud claim for me and suggested I file a complaint through FTC.gov with then redirected me to this page.
Product: Checking or savings account

Capital One refused to allow me access to a check I deposited because they were suspicious of the sender 's account or me. The check came from my HOA and the phone number listed on the check is the cell number to the board president. It's a small condo association of XXXX units. They could not find the name of the HOA thru a XXXX search or in secretary of state so they dismissed that it was a real business. Then because they realized the number on the check was a personal cell phone, they said can't verify its really connected to the HOA. I even tried to see if the XXXX bank, XXXX, could reverse the funds back to the HOA. It took me XXXX phone calls to Capital One before a rep even agreed to contact XXXX to verify the board president has authorization on the account. I was Capital One customer for over 5 years. It took me XXXX hours on the phone. No one should have to go thru this as a customer.