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

My mom was a customer at Chase Bank. She passed away XXXX XXXX XXXX Me and my sister are beneficiaries on her account.She had {$1000.00} in her checking account. Chase placed a hold on her account because she would receive a social security payment and the last payment was deposited in her account a few days after her death. Chase claim to put a hold on my mom account because she so called was not entitled to that last payment because it was made after her death and until social security took back the money they deposited they could not release the funds in her account. I then contacted social security because it has already been 7 months since she passed and they had not taken the money out. Social security told me that my mom was entitled to that payment because even though the money was deposited in XXXX that payment was for the month of XXXX and in XXXX she was still alive. They also told me if my mom owed them that payment they would have been taken the money out and that their system shows no overpayment made to my mom. I communicated this to Chase and I keep getting the run around they do not want to take the hold off of my mom account and release the funds. It has been 9 months since my mom passed and there is still a hold.
Product: Checking or savings account

Bank of America Debit MC is denying access to my account online and via telephone who's answering service is instructing you to go online and when doing so the website is denying access. went a local Bank XXXXf AmericaATM XXXX XXXX XXXX XXXX House ) and according to inquiry $ XXXX which is impossible because on XX/XX/XXXX Deposit $ XXXX XXXX {$13.00}.?? opening balance not showing in statement XXXX XX/XX/XXXX Available Balance {$27.00} XX/XX/XXXX Available Balance - {$11.00}? 
XX/XX/XXXX Available Balance- {$11.00}? 

Also, this debit card can not be overdrawn
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late pa yment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX  . I 've been told by landlords my credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimin al investigator with some  organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my friends.  One said be careful, figure out wh o is contacting you. I   XXXX    it and found this organization is actually  XXXX ! Why would  XXXX  send a CRIMINAL  XXXX  nvestigator to contac t me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This  is far from closed  XXXX .
Product: Credit reporting or other personal consumer reports

I've written to Experian demanding the immediate removal of a collection account from my credit report that has been erroneously reported. The account, listed under XXXX XXXX XXXX XXXX with an unknown date of delinquency and a reported balance of {$1200.00}, violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Guidelines. Despite my efforts to validate the debt under the Fair Debt Collection Practices Act, the creditor has failed to provide necessary documentation, including the original application bearing my signature. 

Given Experian 's legal obligations under the FCRA, as evidenced by the precedent set in XXXX XXXX Experian Information Solutions , Inc., I expect quick action to correct these discrepancies. The account has significant issues with its status, balance, and delinquency date, and lacks verifiable evidence linking the debt to me, all of which are unacceptable and unlawful. 

I have demanded the deletion of this account from my credit report within 15 days. Failure to comply will lead me to file a formal complaint with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and initiate legal proceedings for damages due to defamation and negligence affecting my credit standing. I have insisted on written confirmation of the accounts removal to resolve this matter swiftly.
Product: Credit reporting

I reached out to TransUnion today about the following accounts and they would not take care of me. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX via XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.
Product: Debt collection

This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago
Product: Debt collection

Unable to make payment on time due to medical bills and have received XXXX calls between XX/XX/year> and XX/XX/year>, regarding late payment. Notified servicer that I will make payment through online portal when I am financially able to and advised to cease cellphone communications.
Product: Debt collection

Revco the collection agency claims I owe an amount of XXXX I tried to explain I have medicare and medicaid insurance as well as not responsible for any copays. I have spoken with the original creditor as well, and get nowhere. 
I have been with the same medical provider for 5 years now, and have had the same type of insurance the same time. I have never rec eived a bill, and other than this disputed bill, I have never received a bill. 
I received a response to my original response still claiming I owe the debt. 
So, now I am filing a complaint against the collection agency. 

My name XXXX XXXX XXXX XX/XX/1966 XXXX XXXX XXXX
Product: Student loan

I went to the XXXX institute of XXXX for schooling in XXXX virginia. I have now learned that their is a lawsuit pending by the government against XXXX and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing 3 social on my reports obviously combine id theft, but all ftc violations fcra violations that costing me thousands
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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.C.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

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX. {$980.00}, XXXX XXXX. {$210.00}, XXXX XXXX XXXX XXXX. {$21000.00}. XXXX XXXX XXXX. {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against this issue.
Product: Debt collection

This debt is apart of class action suit against Santander and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and Santander didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXX? XXXX https : //www.lawyersandsettlements.com/lawsuit/santander-faces-class-action-lawsuit-over-fair-debt.html Here is another lawsuit : XXXX : XXXX Now this new company : XXXX XXXX XXXX is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from XXXX XXXX XXXX regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.
Product: Credit card

I was given a promotional offer for XXXX 2014 that I would receive 5 % cashback on all Theme Park purchases. I was traveling to XXXX XXXX so I used this card for all of my purchases inside of the Theme Parks. After I received my statement from the card I noticed that none of the purchases were given 5 % cashback, even though they were inside of the most well known Theme Park in the world. 

This apparently was due to the transactional coding that the merchant establishes. I contacted Citi-Cards XXXX times to resolve this but they would not offer any sort of compensation for this clear false advertisement.
Product: Debt collection

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Jefferson Capital Systems ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX OF XXXX XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX BANK XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Mortgage

U.S Bank put us in a program after hurricane harvey hit and said we wouldnt have to worry about anything happening to our credit or late payments. They ended up saying we didnt pay them for 3 months that were after our program when we werent supposed to have to worry about that. We were told it would go to the end of the loan period.
Product: Credit reporting or other personal consumer reports

I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the three major credit reporting agencies, namely XXXX, XXXX, and TransUnion. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, XXXX, and TransUnion failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other emotional trauma I need your help as I have been ignored and subsequently been deleted from XXXX. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.
Product: Debt collection

Due to the fact that my Identity was stolen a fraudulent account was opened up with Commenity Bank. I have a police and FTC report in regards to being a victim of identity theft.
Product: Credit card

I am XXXX XXXX, federally protected consumer. Discover, this is the last attempt before legal action. 
I have not received my security deposit, the secured card needs to be unsecured and my credit limit did not raise. It has been over three months of restricted and not being able to extend/ utilize my credit as needed.

This has injured me and discourage me with using credit with you. This action of not providing my secured deposit, converting my account to unsecured, and I called about a credit increase and was denied ; this is outstandingly negative. 

I spoke with USPS tracking and it has not appeared in the mail. 

If I do not hear from Discover via telephone and email about my " account '', I will move forward with the help of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I subscribe to a credit monitoring service ( XXXX ), and on or about XX/XX/2024, I was notified by XXXX that my credit file was pulled for Synchrony Bank XXXX XXXX store card. 

I called Synchrony Bank XXXX XXXX customer service to say I did not apply for this card. The representative said they would cancel the application and delete the inquiry from my XXXX. 

It is XXXX months later ( XX/XX/2024 ) and the application is STILL active and the hard inquiry has not been removed from my credit file.
Product: Credit reporting or other personal consumer reports

My credit score has been severely impacted by an account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.
Product: Debt collection

I habe received numerous letters from a collection agency regarding a XXXX bill that I do not owe. I replied several times including copies of bills that show there is a XXXX balance, but I continually receive letters that they checked on this and that I still owe this bill. I have now wasted so much of my time speaking to both the billing office at the doctors office and speaking to this debt collector and writing letters that it has become ridiculous. It is not the money but the principal of the matter that I should have to pay a bill I do not owe. Also I am worried about my credit, which I am trying to reestablish after a bad credit history due to a criminal act. Please help me with this.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have remaining fraudulent items left that need to be removed. I was going through my records & noticed that many files that do not belong to me still remained. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found listed identity theft 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 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies on my credit report and to bring to your attention that your company was sued by the CFPB? Youre failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) regarding my disputes. I want to dispute the following items below on my credit profile :
Product: Debt collection

I was contacted by a ( XXXX ) XXXX number claiming to be credence resource management claiming I owed almost 2000 XXXX for an ambulance used XX/XX/XXXX, XXXX almost three years ago. I left all of my information for the hospital to charge my insurance but chose not too. I was never contacted about this, I never received any written information about this. I was never even told I could dispute this debt. I dont have the funds to pay that right now. Please help me! Theyre calling me everyday!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX corrected the lates on their end, but said I had to go through this process to update the information with the credit reporting bureau 's