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

In XXXX of 2019 I opened an account with Charles Schwab for banking and investment purposes. Upon opening the account I additionally opened an XXXX XXXX Charles Schwab Platinum card, which is only available to Charles Schwab customers. The card allows customers to cash out their XXXX XXXX Membership Rewards points to a Charles Schwab account. 

Several days ago I attempted to cash out some of my Membership Rewards points and encountered an error. I tried to log into my Schwab account and had trouble there as wel. I called into their customer service line and was informed my account had been closed - though I had received no reason why and no warning before hand. This was confusing to me, as I had just opened the account and still had no activity on it. Several years ago I likewise had a Schwab account that I utilized for bank deposits and basic banking for my investment properties, and this account was likewise terminated without warning. When I asked for a reason back then, I was provided none and only told it was a " business decision. '' However, I was told I could reapply for an account at a later time - which is what I did in XX/XX/2019. 

Yesterday I emailed some members of the Client Services division at Schwab and a gentleman there gave me a call after doing some research and once again was unable to provide a reason for the closure. He merely stated it was a " business decision. '' I pressed for a valid reason for the closure, and he refused to provide one. 

This is confusing to me as I have never had derogatory marks on my credit or XXXX  reports. My wife and I pride ourselves on our finances. We own several investment properties, diligently monitor our stock investments, hold no credit card debt, and are generally very good with our money. All this to say - I have no idea why the bank sees me as a risk and refuses to allow me to keep an account open with them. Moreover, I am incredibly frustrated that they absolutely refuse to provide a reason for this closure. 

Banks nowadays seem to hide behind their " terms and conditions '' while avoiding common decency and customer service. 

I am someone willing to be a customer of the bank, willing to invest with them, and they refuse for no reason at all. Even more, I opened a credit card and received a credit inquiry because the initally approved me for a checking account and made me eligible for the XXXX XXXX Schwab Platinum card. Now with my Schwab account closed, I will be forced to close my XXXX XXXX account which will further negaively impact my credit. 

Schwab should reopen my account or provide adequate explanation for why they have closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid an account off in   XXXX   XXXX    , with the resold buyer for this account Care Credit. I received a letter from both the new owner of the account and SYNB on   XXXX   XXXX  , that this account will be removed from all 3 credit bureaus. Since then, I run my credit once a year and every year, the  SYNB/Care Credit  remains, I dispute at that time and counter dispute, along with providing them with the letter they sent to me to remove. Sychrony Bank always kicks it back to the bureaus as a valid report. This year I decided to contact the company directly to have this removed since they continue to deny the removal from my disputes with the credit bureaus. I started this process on   XXXX   XXXX  , with  Sychrony  Bank, I provided SYNB the same letter that I have sent to the bureaus. They have acknowledged this should not be on my credit reports. I have contacted Sychrony around  10-12 ti mes requesting an update and have been hung up on, told they can not help me, or that  XXXX   XXXX  or  XXXX , will be giving me a call back. I have not received any updates or call backs, and this account is still listed on all credit bureaus. Please assist in removing this from my credit reports it has been falsely reported for over  2  yrs now. Thank you
Product: Debt collection

XXXX I was exiting a apartment complex XXXX XXXX. 
At the day of move out the manager did not give me anything to sign. She stated she would mail me any paper work and I thought she would refund any difference in the security deposit if they needed some repair living their 2 yrs. ( XXXX XXXX XXXX was the prop mgmt ) I left it very clean and they verbally stated it looked great. 
I had a federal suit for fraud against XXXX and XXXX for rent issues and denying reasonable accomidation. This case is filed in XXXX state. XXXX began having IQ DATA International phone and harass me by phone in XXXX and XXXX XXXX. 
IQ Data placed a fake debt with all XXXX CBs. I disputed it then and got all XXXX to remove it in XXXX. 

Now XXXX IQ Data is at me again for the very same thing and now they pushed the {$300.00} to {$810.00} they never had a judge sign anything. they have not been following the FDCPA or FCRA in an way in relation to this fake but very serious issue. 

I have a judges ruling from that federal case stating in fact XXXX did violate my rights to XXXX. So I am asking the CFPB to ask IQ DATA to produce the proof that they are not violating my rights under FDCPA and FCRA. 

Thank you for your help
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. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDXXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX Account Number 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 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, credit repair services, or other personal consumer reports

American Honda Financial has reported a charge off on my account for an auto lease that ended in XX/XX/XXXX. This account had excellent payment history for the duration of the contract. Upon turning my leased vehicle into the dealer in XXXX, IL, I was given a receipt that lease termination was successful and that all payments were current. I was billed for something that I disputed with Honda on more than one occasion by phone and went back and forth with the dealer who said that they would " take care of it ''. After a few months of no resolution, I paid the account through a third party, XXXX, on XX/XX/XXXX for the amount of {$820.00} with the understanding that this would not negatively impact my credit report. I contacted XXXX on XX/XX/XXXX and they were unable to provide any records of this transaction or payment and asked me to reach out to Honda. I contacted Honda on at least 3 occasions between XX/XX/XXXX and XX/XX/XXXX to discuss the matter and asked them to provide documentation of the calls and they refused ; in fact I was hung up on on XX/XX/XXXX. Furthermore, I have disputed this with Honda and they will not update my account nor provide support of these actions. I have attached my bank statement for proof of payment. 

The did not do what they promised to resolve the disputed charge to my account and Honda Finance has refused to work with me in this matter. I have attached a payment record.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX I attempted to withdraw money from a Comerica Bank ATM, located at XXXX XXXX XXXX XXXX, XXXX XXXX, as I had done many times before. The machine seized my XXXX XXXX XXXX ATM card ( I do not have an account at Comerica ) for no apparent reason. With COVID, the actual bank branch was closed, so I contacted Comerica customer service and could not get connected to a live human being. I then contacted the Comerica XXXX XXXX branch, and was told by a man he could not help me get my card back, that the card would be destroyed, and that I needed to contact my own bank for a replacement. He would not give me the name of a supervisor or manager to contact. Basically he stonewalled me. I am now without ready access to my money ( most XXXX branches are closed too due to COVID ), and have spent an inordinate amount of time contacting my own bank and fixing this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are being reported on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, there was a Zelle sent to XXXX XXXX for {$400.00} as well as XX/XX/XXXX for {$800.00}. I had my wallet stolen as well as multiple fraud charges. XXXX XXXX would not give me any information or a refund.
Product: Mortgage

I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately {$110000.00} since XX/XX/XXXX-XX/XX/XXXX. I still owe {$66000.00} for a property that is assessed at {$69000.00}. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in XXXX. I really do not know.The last time I spoke with someone, it took weeks because I had to use regular mail. The phone numbers on my statements only lead to menus and not a person to speak with. The web site is a joke of looped links that offer no help.They told me that I can not refinance with them any longer because there is no equity. ( No kidding! They absorbed it! ) Are you able to direct me on what to do? I do n't want to lose my home and am close to retirement ( XXXX years ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, XXXX & Transunion are also showing the following inaccuracies : Date Opened : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX High Credit : Transunion- {$26000.00} XXXX- {$26000.00} XXXX- {$7900.00} Last Reported : TransunionXXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : Transunion-Charged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
XXXX-Charged off account Auto Date Last Active : TransunionXXXX XXXX XX/XX/XXXX XXXX Date of Last Payment : Transunion-XXXX XXXX- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Three men came to our home to tell us about their alarm system. They saw we currently had XXXX alarm system and explained that our alarm system was not the same caliber as theirs. They said that their alarm was better because it was wireless and a robber couldn't cut the cables and disable our alarm. They said some pitch about their system including an energy saving program that could be managed through the telephone app. They promised we would save money while using their alarm system package. So we decided to purchase the equipment which was roughly {$1000.00} I put it on a credit card. In the first month XXXX had to come back to our home 2x to reinstall because the first time they set up their thermostat monitors they switched our AC with the Heater the second time our ac was still not functioning properly. Imagine thinking you had the AC ready and cool before coming home from a long day of work and come home to a home in the summer time over 90 degrees hot. 
The third time we had to actually hire a professional it was in the winter time when XXXX connected our heat they placed the coils on our AC/Heater unit on emergency heat which caused us a {$1200.00} electric bill. XXXX XXXX response to their mistake, which is what the professional company we hired to correct the issue told us, it was in fact XXXX XXXX error. 
XXXXXXXX XXXX response when we presented these claims was to credit our alarm bill {$30.00} dollars even-though our electric bill was over {$800.00} our usual expense thanks to their error. The contract we signed was for a 36 months however the contract explained that we were supposed to save money and that our home would be monitored 24 hours a day. 1 ) We did not save money and their response to our electric bill was not at all correcting their mistake considering I had to pay a professional to fix their error an additional {$120.00}. 
2 ) The alarm kept disabling and at times would not be monitoring and we would get those alerts on our phone app. 
3. ) several times the alarm would enable on its own and warned us that our system was not performing adequate surveillance. 
When our electric bill kept coming up higher than it normally would we stopped paying XXXX because they did not hold their end of the contract with an energy saving plan and monitoring our home 24 hours a day. We called XXXX to cancel our contract even offered to give back all the equipment back on a system we don't use let alone need, their immediate response was no and instead reported a {$2100.00} debt to our credit report for both myself and my spouse. We have spoken to other individuals that have had the same issues with XXXX. Not to mention a class action lawsuit recently settled with XXXX for the false claims to lure clients to their false claims making XXXX seem subpar. We were victims to this luring of false advertisement and in addition have now been suffering over a 3 years with negative impact to our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XXXX XXXX. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Product: Credit card or prepaid card

I have a Chase Sapphire preferred credit the total balance was {$12000.00}. Last year in XX/XX/XXXX was very sick i have to go abroad to take care my self because the hospital bill in USA are too expensive. I don't pay my credit for XXXX months because. I call Chase costumer service they tell me my credit is closed. I can not use it anymore. So my balance was {$12000.00}. Since then I pay XX/XX/XXXX XXXX I Pay : {$1500.00} XXXX I pay : {$400.00} XX/XX/XXXX I pay : {$350.00} XX/XX/XXXX I pay : {$400.00} XX/XX/XXXX I pay : XXXX My Total balance was : {$12000.00} So all my payments maid was total : {$2900.00} I see my balance is : {$11000.00} This is mean : Chase take the principaXXXX is only : XXXX And the interest is : {$1900.00} More than 100/ 100. It's why I file this complaint.
Product: Debt collection

Approx XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX I Attempted To Contact XXXX And Acima Credit FKA XXXX XXXX XXXX About An Account Thats Reporting Inaccurately On My Credit Report And Have Received No Real Assistance In Resolving This Matter
Product: Debt collection

There is an account that is unknown that is a mistake listed on my personal credit file. I need help I tried fighting this with no outcome
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report. 

The accounts in question are listed under Account Name : XX/XX/XXXXXXXX XXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my Consumer reports and noticed that I had four late payments on an account that I was never late for. 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 have never been late on payments for the account XXXX XXXX XXXX, account noXXXX. Please investigate and provide PROOF with Statements showing these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks
Product: Credit reporting or other personal consumer reports

On XXXX XXXX mailed a letter tracker XXXX Account XXXX demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 1 month I mailed the letters with no deletion from credit history and its hurting my availability to obtain credit, this account doesn't belong to me. I kindly ask to DELETE. Please Help, Thank you!
Product: Mortgage

Dovenmuehle Mortgage has reported completely false information on my credit report and my wifes that we are delinquent on payments of our current mortgage with Dovenmuehle while we have never made any late payments. They have reported to credit bureaus that our mortgage status is in loss and mitigation status which we did not ever request or signed up for and also that we are delinquent on mortgage payments while we have been making complete payments every month as clearly stated on the loan statements. I have called many times and been pushed around from agent to agent but no results or explanation of this negative impact on our credit report. We have been denied from credit applications because of the impact and have lost significant credit scores.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX