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

I applied for a Discover Secured Card. I was denied based on " Status of existing or prior Discover Card Account ''. When I contacted Discover, I was advised that my previous card was not closed, as reported to the CRBs, but REVOKED. I asked why, and was told that the revoked card was due to a delinquency from another card ( XXXX ), which was an error on my credit report and has since been removed. Discover said that even though the previous account was closed due to the error, they will NOT remove that status, and with that Revoked status, I am denied credit. 

So essentially the error is still a factor in my application and I am being denied credit because Discover is using information from a 2015 credit report that contains an error instead of using the updated report which has no derogatory information. 

I believe this is in contravention of the Fair Credit Reporting Act. Discover is basing a decision to deny credit using outdated information and is refusing to use current data. 

I have requested that Discover reconsider using current information, and was told because of the derogatory notation, " at that point in time '' ( 2015 ), my application would NOT go forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Checking or savings account

Hi there! 
I opened my business checking account at Citi Bank on XX/XX/XXXX. After 1 week, they closed this account without any notice. I couldn't use my debit card so I came to a brand and talked to the worker that opened the account for me and let him know why this account is closed. He called the back office and they told him this account was closed due to fraud warning by the other bank. I never know I have any fraud warning and never have any denied by other bank so I am disputing with the fraud department now for it. 
Anyway, they told me they will send a check of the balance {$3300.00} within 30-60 days. The account was closed on XX/XX/XXXXXXXX  and today is XX/XX/XXXX. It's almost 90 days already but I didn't receive my money back. I called customer service many times and also came to the branch but I got the same answer that they don't know where is my money going. Even the branch called the back office and same answer. So who know and can help me to refund my money?! It's ridiculous and distressing. I just hope I could get my money back. Please help me! 
Thanks a lot!
Product: Credit card or prepaid card

I am writing in response to COMPLAINT ID XXXX and to request a further response from Chase Sapphire on this matter. 

The company 's response to this complaint states that the onus is on me, the cardholder, to contact the merchant about the canceled reservation, but this is precisely what I did in XXXX, as noted in my original complaint. When this flight was canceled due to inclement weather, I contacted the merchant at the number they provided, XXXX XXXX, which is how I learned that the airline had no record of my reservation, that they did not have a credit for me because the ticket was canceled prior to the storm, and that I was the victim of internet fraud. I contacted Chase immediately upon learning this to keep the transaction from going through. Is Chase contending with its response to this complaint that this isn't a fraudulent transaction because consent was given? If Chase is the only party with access to this merchant 's real contact information, has the company really done all it can on its cardmember 's behalf? 

It's apparent from the details provided in Chase 's written response to my complaint that bad actors are all too familiar with the narrow and inadequate scope of Chase Sapphires " fraud '' policies, and they use this knowledge to scam customers without penalty or recourse. Knowing this, Chase 's response to my complaint means -- in the worst case -- that Chase Sapphire is complicit in this kind of internet fraud. ( And pays its customer service staff to defend these fraudulent transactions all the way to the CFPB. ) In the best case, Chase 's response means that they value my account, which I've had with them since 2015, at less than {$300.00}. 

I'd like a written response from Chase as to whether their decision in this complaint reflects a formal policy of turning a blind eye to internet fraud when it's reported by their cardmembers, or if they simply deem the lifetime value of my account at less than the {$300.00} I'm asking to rectify this matter. Perhaps it's both. I look forward to the company 's written response before closing my account. Thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 
The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) is inaccurate. The original creditor on this account is a distinct company, XXXX XXXX, than the one you indicate. You present erroneous information about the Balance of {$1400.00}. You report a higher Balance than the amount I believe I owe. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ) needs to be investigated. The original creditor is AT & T, but I have not been contacted by XXXX XXXX. The Balance amount of {$570.00} is inflated and inaccurate. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
The information presented for the account XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) is inaccurate. The original creditor for this account is XXXX XXXX XXXX, but I do not know the company stated on this account, XXXXXXXX XXXX, as I do not have any contract with them. The Balance of {$300.00} is not reported properly, as I recall the balance to be lower. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
I found inaccurate information in my credit report for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$120.00} ) account. The original creditor is PROGRESSIVE, but I dont know the collection agency that you have reported, as I do not have any contract with them. The Balance of {$120.00} reported by you is inaccurate, as I believe it should be a lower amount. Additionally, you have reported a Balance that is higher than the High Balance on the same account, which proves the inaccuracy of your reporting. I dispute this account and request a verification of Date Opened and Date of First Delinquency. 
The information presented on XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) account is unknown to me, as I only have a contract with the original creditor, XXXX. The Balance of {$270.00} is higher than the amount I remember. This information is inaccurate, and I dispute this account. I request that you verify the Date Opened, Date of First Delinquency, Date of Status, and First Reported. 
The following account was never late : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ). Please correct/update this inaccurate information on my credit report. 
The following account was never late : XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ). Please correct/update this inaccurate information on my credit report. 
The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$11000.00} ). Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with American Express - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

American Express - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX i deposited an IRS refund check. On XX/XX/XXXX i received an email from the bank telling me that after reviewing your check deposit activity on XXXX for my account ending in XXXX, the availability of {$13000.00} has been delayed until XXXX. 
Two months from the date of deposit! This is a clear violation of federal reserves law that state : XXXX XXXX XXXX, banks must follow the Federal Reserve guidelines for determining how long to hold checks. As mentioned above, banks can only hold checks for a reasonable period of time, as defined by XXXX XXXX. 

Since it was deposited in person they cant hold it longer than 5 days.
Product: Credit card or prepaid card

Dear CFPB, Back in XX/XX/2020 Bank of America marked a late payment on credit report for a credit card I hold with them. 

I was never notified of this, neither via mail, email or a phone call. Only when I went to apply for a mortgage did I know I had this mark against my file. 

I was not ever given a chance to rectify this situation, despite being a long time customer of the Bank, and despite never having any issues with paying my bills in full and on time. 

I would like the late payment to be taken off my file, it is hindering me in life, and was practically speaking never anything I was allowed to do anything about. 

I hope you're able to help me get my life back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. XXXX reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with XXXX and the credit bureaus. XXXX provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, XXXX again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted XXXX XXXX on XXXX XXXX expressing that XXXX was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, XXXX erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with Experian I was told that XXXX had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to XXXX as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by XXXX based on the complaints I've seen online which requires further inquiry by the CFPB.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late Experian XXXX XXXX XXXX XXXX XXXX Highest Balance Experian XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX Creditor Address Information Experian XXXX XXXX XXXX XXXX Tx XXXX LA XXXX DE
Product: Vehicle loan or lease

I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Product: Payday loan, title loan, or personal loan

An unauthorized payment was sent on my PayPal account to somebody I do not know using my PayPal line of credit, and they are telling me due to my past transaction history that the payment wasn't unauthorized. This is the second time I've had an issue with PayPal with someone scamming or fraud and both times they were unable to help me get my money back at all. The date this took place was XX/XX/2021 in the amount of {$460.00} charged to my PayPal credit card, the company took close to no action.
Product: Checking or savings account

I was over charged on an app that I have on my phone. I was able to prove it so my bank issue me a credit for the overcharge. Two months later the bank charged my account for XXXX dollars that number I didn't have so when my social security check was deposit went in for XXXX I was XXXX dollars in the negative. Therefore there are bills I can't pay. Plus I can't do XXXX this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these creditors access to report to my credit 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
Product: Checking or savings account

I had an account with Bank of America. There was fraudulent activity that occurred in XXXX both with deposits being made into the account and debited from the account. I don't look at my account that often but when I saw what was going on I went to my local bank and explained to the manager what was going on he said that Bank of America put a temporary close on my account. I am XXXX years old and a XXXX in college. My mom was the cosigner in the account because I got the account when I was under XXXX. She has spent hours and days on the phone with representatives from the bank but either got put on hold or got disconnected. Then we got a letter that said the account was closed for no reason. She decided to contact XXXX XXXX XXXX which were given as the reporting agency. In the letter it said that we may not be able to open another account for 5 years. When she got the report it said the account was closed due to check fraud. There was fraud but we are the victims. The Bank never contacted me in person to ask me about my complaint. I don't understand how this could happen to the victim of fraud. My mom was getting a home line of credit to help pay for college and she couldn't open an account at another bank because she cosigned the account years ago. It's not even her account. Please give us some guidance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account reporting after Statue of Limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating my credit card was blocked and asked to update my payment method. It claims it is XXXX. I took a screen shot of the scam email and havent deleted it yet.
Product: Debt collection

On XX/XX/XXXX I was contacted by my financial adviser that my credit has a negative information being reported. Upon reviewing my credit report I noticed that Chase XXXX was reporting an account that has mixed information. I contacted Chase and they explained to me that not only was this account being reported as bad debt but that a XXXX was filed with the IRS. I informed them that this account was not mine and that I wa n't this information removed from my credit report. They told me that they where going to investigate but that the XXXX still remains effective and that the investigation can take up to 90 days. I was then transferred to a supervisor once I mentioned that I was filing a compliant with the CFPB. This situation has prevented me from obtaining a loan that I much need. How can these companies open accounts and report it to the credit beaus with verifying the information? This account is not mine. I spoke to a XXXX ID # XXXX and a XXXX ID # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I received confirmation from Lexis Nexis that they removed address from my credit report based on my dispute during that time frame. On XXXX I received an updated credit report and much to my surprise they have reinserted the addresses they said they removed and add others. The report number of the most recent report with the reinserted information is Consumer Number XXXX and Case Number : XXXX. I have enclosed a copy of the dispute results that shows they removed addresses. The new addresses added that need to be removed are as follows : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX As well as I'm requesting that they remove all phone numbers and emails
Product: Credit card

In XXXX 2024 I had both an Ally checking account and Ally credit card. To make the credit card payments, I would use the Ally checking account. On this month they returned the payment I had made to the bank. I was unaware why and they sent the statement with a late fee. I immediately paid the amount using a different method of payment and asked for the late fee to be waived since no one ( bank nor credit card sides ) could tell me why the payment was sent back. The representative denied the late fee waive. I closed all Ally accounts at that moment and said I would not pay the late fee. Since XXXX  2024 late fees and interest have accrued on a closed account. The company has sent collections calls for a late fee on top of late fee closed account.