23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a business account with Chase Bank for 6 years. The risk department at Chase Bank froze my account and closed it. When they closed the account I had an ending balance of {$1500.00}. They told me that this amount will be mailed to me in 30 days. I never received the check so i gave them a call about it after about a month. When i spoke to someone the first thing they told me that it was mailed but they did n't have a check that was cashed then they went on to tell me that there was a balance but they were holding it just in case any checks were returned. i called back in 6 months and they told me the same thing. They refused to give me the {$1500.00}. I called again today ( XX/XX/2017 ) and they still refused to mail me the balance of {$1500.00}. it has been 13 months now and they still will not return my balance of {$1500.00}. If a check was going to be returned it would have by now. It does not take 13 months. I need ending balance returned.
Product: Debt collection

This company called Sequiem keeps calling over and over and I do not have any unpaid bills. I have never made a late payment to anyone, but I still checked my credit report to confirm. I have blocked their number, but they just call me from another one. I do not answer the phone, but it is very frustrating. 
XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX   XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX There are more dates and times if I need to send more
Product: Credit reporting or other personal consumer reports

Subject : CFPB Complaint Regarding XXXX XXXX XXXX Credit Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a persistent credit reporting issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has significantly impacted my credit standing despite multiple attempts to resolve the matter directly. 

During my regular credit monitoring, I discovered several erroneous late payment notations on my XXXX account. What makes this situation particularly frustrating is that I have been enrolled in XXXX 's automatic payment program, with payments consistently processed on the 1st of each month. I have maintained detailed records, including bank statements and payment confirmation emails from XXXX, all of which verify timely payments during the periods in question. 

On XXXX XXXX, I spoke directly with XXXX representative XXXX XXXX about these inaccurate reports. During our conversation, XXXX XXXX acknowledged that my payments were indeed received on time and explained that the late payment notations were the result of a technical error during their system upgrade. Despite this admission and my multiple follow-up attempts to have this corrected, XXXX has failed to remove these erroneous marks from my credit report. 

The impact of these incorrect late payment reports has been substantial. My credit score has decreased significantly, affecting my ability to secure favorable credit terms. I have diligently attempted to resolve this matter through multiple channels, including : - Direct communication with XXXX XXXX - Formal written disputes with the XXXX XXXX XXXX Credit bureau disputes- Multiple follow-up calls and emails I am seeking your intervention to ensure : 1. The immediate removal of all incorrect late payment notations 2. Updates to all credit bureaus reflecting my actual payment history 3. Written confirmation of these corrections 4. Appropriate measures to prevent similar errors affecting other consumers As a consumer who has maintained responsible payment practices, it is particularly disheartening to have my credit standing damaged by acknowledged technical errors that XXXX refuses to correct. I believe this situation clearly violates the Fair Credit Reporting Act 's requirement for accurate credit reporting and proper dispute investigation. 

I appreciate your attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Product: Vehicle loan or lease

My car was sold and they stated that I had a balance left. The sold my car for more than they told to me. They left me with a higher balance than what I really owe.
Product: Credit reporting or other personal consumer reports

Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all 3 credit bureaus, Transunion, XXXX XXXX XXXX to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making 2 complaint .1 with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX XXXXXXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX  on XX/XX/23, XXXX on XXXX Transunion, XXXX and XXXX continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Transunion is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 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 an 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

XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA XXXX XXXX they have not properly validated the debt, and it should be removed from my Trans Union Credit Report.
Product: Mortgage

I had a loan with Freedom Mortgage ( Loan # : XXXX  ). For the past 4-5 months I have been going back and forth with them about notices I had been getting for a late payment. I called them 5-6 times and showed them bank records proving I was not delinquent and they kept telling me that I was right and that I had never been late. According to the reps I spoke to they had been applying my payments incorrectly causing it to look like I was late. After telling me it was fixed and taken care of numerous times I checked my credit to find out my score had dropped 150 points because they reported me as delinquent. This happened right as I was in the middle of buying a new house. Luckily the new mortgage company had already approved me but this could have been disastrous. They finally got it fixed a month or so later and my credit report was ok until XX/XX/XXXX when they reported me delinquent to XXXX again making my score drop back down. I have filed a dispute and am waiting to get it fixed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Checking or savings account

I want to know the exact reason why I declined opening checking accounts at XXXXXXXX XXXX  and XXXX XXXX. Please let me know the declined reasons.
Product: Debt collection

XXXX XXXX a Debt collector disclosed my debt to a family member via text message with a link to my debt. I got the same text on the same day, but can't understand why they would send to my friends or family members. Even though I've only had 1 phone # the last 10+ years. This is bad business practice.
Product: Money transfer, virtual currency, or money service

Recently I have received numerous text messages stating that there are problems with my Paypal account. I have deleted them as I believe they were phishing attempts. 

XX/XX/2022 I received an email that stated that a recovery phone number had been added to my Paypal account -- I did not add that phone number. Now, when I try to log on to Paypal, it says it is sending a code to this unauthorized number and I can't log on. 

XX/XX/2022 I received an email at my work email stating that my credit card on file with Paypal is expired. 

Paypal was unavailable during the entire holiday weekend to address my concerns. I believe Paypal has 3 separate accounts open for me and I do not trust that company 's controls over my accounts and credit card information. I spoke with a representative and his supervisor today. They told me that I would need to go through every credit card in my wallet to verify my account with them. That was only for ONE of the accounts I believe has been opened by Paypal. 

I want any Paypal accounts opened under any emails associated with me to be closed, including but not limited to : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Midwest Recovery LLC. has placed a debt on my credit report with no notification or verification to me personally for a cash store loan in the amount of {$550.00} on or around XX/XX/2020. 

I sent them a validation of the account letter via certified USPS mail requesting validation of this item with NO RESPONSE of any kind. Under the fair debt collection act when an item is disputed and while under dispute it needs to be removed from a personal credit report. 

I have attached a copy of the letter sent to Midwest Recovery LLC and also a copy of the signed return receipt that they did in fact receive my letter.
Product: Vehicle loan or lease

Toyota Financial Services ( TFS ) transferred responsibility for an auto loan from my deceased mother to me but has not performed its agreement to authorize a Title in my name with a lien, so as a result I can not legally drive the vehicle because I can not register the vehicle. 

XXXX  My mother died on XX/XX/XXXX and my sister and I inherited the vehicle. My mother had an auto loan from TFS for the vehicle and I began payments on the loan using my own money. The State of Michigan vehicle Title identifies my mother as the owner and " Toyota Motor Credit Corporation '' ( TMCC ) ( the parent company of TFS ) as the Secured Party and lienholder. 

XXXX  The vehicle 's registration expired in XX/XX/XXXX. It is not legal to drive the vehicle without current registration. Michigan will not renew the registration because the owner listed in the Title is deceased. Michigan told me that it will only transfer the Title to my sister and me if it receives a letter from the lien holder ( TMCC or its agent TFS ) authorizing the transfer. 

XXXX  I told TFS that I would accept responsibility for the loan if TFS authorized transfer of Title to me and that TFS could retain its status as a Secured Party and lienholder.

XXXX TFS approved my request to transfer the loan to me, but instead of transferring the Title at the same time, set me a letter ( ATTACHED ) dated XX/XX/XXXX informing me that a Title transfer will occur later. 

XXXX I telephoned TFS twice on XX/XX/XXXX about the status of the Title transfer. In the first call, the TFS representative told me that TFS would not send me a Title until the loan was paid off and then hung up on me. In the second call, the TFS representative told me that TFS would authorize a new Title but there was a procedural complication because my residence is in Virginia and the existing Title is from Michigan ( the vehicle is in Michigan and will only be used in Michigan ). I have received no communication from TFS about the Title since then. 


I am still unable to drive the vehicle legally XXXX over seven months after my mother 's death, over two months after TFS 's XXXX letter, and even though I have paid {$5800.00} to TFS since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the following information from the company that is claiming to own a debt that I never agreed upon with them as a creditor : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I did have a car loan with HONOR Finance  that was paid as agreed from XX/XX/XXXX - XX/XX/XXXX. Westlake is reporting that I opened an account with them in XXXX of XXXX ( to my Credit Report ) and that there is a date of last activity in XX/XX/XXXX. There has never been any activity with Westlake Financial and an account was not opened with them in XXXX of XXXX. 
The company is stating that a repossession occurred with their organization based on a loan that I agreed to pay with them which is simply not true. The above requested information in regards to said repossession has NOT been provided to me. I have also requested the signed Retail Loan Agreement stating Westlake as my lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list account 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 Has violated my rights. 
15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, XXXX, Experian.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting discrepancies. My financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate That Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety
Product: Debt collection

In checking my latest credit report, I found accounts that seem inaccurate and unauthorized. Please ensure they are blocked and removed at once.
Product: Credit reporting or other personal consumer reports

recently o looked at a copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit it is my undestanding tha you will investigate these items for me to ensure accuracy.

here is item im asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Transunion : XXXX Transunion : XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.
Product: Debt collection

Capital One account was closed by Capital One, earlier, than sold to XXXX, put in collections, I disputed, they removed in XXXX and put it right back on again the same month. 
this account was over 7 years old and was dropped by Capital One. for {$540.00}
Product: Credit card

The credit card company American Express is not issuing rewards on a consistent or timely manner. I have the Blue Cash Everyday ( SM ) card and I earned {$57.00} in reward dollars for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016. They said there was a one-month delay for redeeming these dollars, and so I was not able to redeem them until XXXX XXXX, 2016 ( 1 month delay ). I earned another {$54.00} for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016, and they are now telling me that I can not redeem the dollars until after XXXX XXXX ( 2 month delay ). When I inquired as to why there is a 2 month delay for this cycle versus a 1 month delay for the last cycle, I could not get a clear answer out of the two different people I spoke with. One person told me the bill had to be paid in full ( not just the minimum payment due ) and another person told me they were having system errors. It seems their rewards program is very disorganized and as a customer, it is difficult to figure out what to expect. The whole reason I signed up for this card was for the rewards, and it is difficult to imagine that in XXXX I have n't received my rewards dollars from XXXX. Their practices are not fair, I do not recommend this card to anyone and I will be closing my account once my reward dollars are redeemed ( hopefully before 2016 is over! ).