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

On XX/XX/year>, I authorized XXXX to charge my XXXX XXXX {$2.00} to view job openings for 14 days XXXX. The online purchase order was reference number XXXX. 

Under no circumstance was this ever to be a reoccurring charge. Today, XXXX, someone charged or removed {$23.00} from my Bank of America XXXX XXXX. They typed XXXX. I'm doubting it's XXXX XXXX because I never received a receipt or prior notification about this upcoming {$23.00} transaction. So, I'm not sure about anything. All I know is that {$2.00} was authorized ONCE for 14 days XXXX. 

Please have Bank of America return {$23.00}. XXXX needs to secure their network. My resume was blocked by my XXXX and good job postings were block from my account. I never landed a job or heard from a potential employer. Nor did I authorize {$23.00} to ever be charged. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I opened a checking account with Citibank. It was funded XX/XX/2018. On XX/XX/2018 my corresponding Savings account was funded. The terms of the offer were to open a new checking and savings account package between XXXX and to deposit {$15000.00} new-to-Citibank funds into either of them with a minimum of {$1500.00} in checking. Funds must be maintain a minimum balance of {$15000.00} for 60 days. Get {$400.00} deposited into your account. According to everyone I've spoken to at Citibank ( reference XXXX ), I qualify. I met all criteria on XX/XX/2018 and 90 days waiting for the bonus would put me at XX/XX/2018. I called then, and I was told I'd receive it at the end of the month. I called on XX/XX/2018 and was told 5-7 days more. I called XX/XX/2018 and was told 1-2 business days. It's now XX/XX/XXXX and I still haven't received it. Please help, I'd just like to receive what was promised.
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 involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. I can see that the Negative Items which affect my scores are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds withing XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. 

XXXX. Procollect- acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against EXPERIAN

for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by EXPERIAN. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by EXPERIAN about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require EXPERIAN to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer.

Sincerely, XXXX XXXX XXXX
Product: Credit card

In XX/XX/2023 there was a Chase Sapphire credit card opened in my name and a Chase banking account, Called the company and they closed both accounts. Did a credit freeze with XXXX. On XX/XX/XXXX, there was another credit card request for a Chase Unlimited caed. Called Chase and they cancel the application. Chase states the application is being done online but that's all they can tell me. I also reached out to XXXX and XXXX Credit reporting to put additional freeze on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Finance Services went back to my credit report which was showing " Current '' on my on-time payment and change it to " Late '' payment, which is not true, I paid on time and they even reported " Current '' previously. I don't understand what made them ruin my credit for no reason. 
I am a XXXX in the middle of leaving my duty station ( XXXX XXXX ). I am looking for an apartment in the next 2 weeks, Now I am stuck since they ruin my credit. I don't know what to do, it's causing me stress and XXXX. 
I call them to try to resolve it but they said they can't do anything until I file a complain.
Product: Mortgage

I filed for a bankruptcy, I kept the house and the cars, I filed for a loan modification with chase bank, I was making payments everything was on time. 
All of sudden chase bank sent me papers to and asked for more information. 
I sent in all the information with supporting documents. 
To my surprise, chase sold my mortgage to a different companyNow the new company sent me documents almost doubled my mortgage with noexplanation. 
I was already having problem making the payment I was making with chaseneed help asapthanks
Product: Checking or savings account

My names are XXXX XXXX XXXX based in XXXX have an account with CHASE MANHATTAN BANK U.S checking account number : XXXX the Company handling my money have not reviewed the funds available in my account and not able to transfer my funds to XXXX to my local bank account. 

Please i request your good office to help me how to receive my money via XXXX because XXXX advised me that XXXX can not receiving country.According to foreign policy please help me to withdraw my money and be sent to my bank account in XXXX i have an account with XXXX XXXX XXXX In XXXX.My appeal is that as owner of this account i need authority to receive pass instruction to my banker to transfer funds to my Country, but i have no contact details for my Bank in U.S.Any correspondence is between Me and XXXX which i feel my rights is violated concerning my account. 

Thank you in advance for your favorable response into my appeal and hope that transparency will be exercised according to foreign protection.My Contact details : email XXXX Phone : XXXX
Product: Checking or savings account

On XX/XX/XXXX my bank account got hacked and someone sent XXXX dollars at XXXX. I talk to my bank and they said they would look into it. I waited 2 weeks and meet someone in person to talk about it more. The person call the number and talk with them and they told me that I needed proof that I was not at XXXX that day and I wont get my money back. I need my money to pay for rent for my apartment and other stuff as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

when i seen the report on my experian report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report
Product: Credit card or prepaid card

On XX/XX/2020, I did a transfer or attempted to transfer {$50.00} from my child support card and it actually went through twice. I entered my XXXX account number but it never let me enter routing. When I called XXXX, they confirmed without routing funds would be returned. Ive tried calling and reached two individuals who said they would refund money back to my card. Never happened and now when i call, i wait on hold for over an hour and they hang up. I need my money bc I am now XXXX and living with friends
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are in violation for continuing to report an account when you were informed by the collection agency to delete a tradeline. The company XXXX XXXX responded to CFPB complaint XXXX stating that they have terminated collection attempts on account XXXX and notified the credit bureaus to delete this information. The company responded on XX/XX/year>, and yet this account is still reporting. Please see the attached response from this company and remove the following account from my credit report due to inaccurate reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX.
Product: Mortgage

My mortgage was acquired by SPS Servicing it was not originally done through them. It was not set up with my property taxes impounded in the mortgage but somehow they added it. I never gave consent to do this and I sent a letter in writing asking for it to be taken off but I never got a response. This has been going on since XXXX of XXXX. My issue is that I pay my property taxes outright and on time. I have never been late or ever missed a payment but my lender pays it too after me and then it is added to my escrow account. ( I will upload an accounting from the City of XXXX XXXX with their actual accounting of my payments and the lender 's payments and when they sent the refunds to the lender, the check number and the address they sent the refund to so you can have that as well. ) However, my account is still impounded and my escrow is still being charged for the property taxes that they paid even though they were refunded. The first time it happened was XXXX of XXXX. I paid my supplemental taxes in late May on time, a week later they paid it. I immediately called and caught the error and called the City of XXXX XXXX to find out if they were refunded. In XXXX of XXXX they were refunded, I got the ch # and the address it was refunded to and I gave it to my lender. I call them every month to pay my mortgage and try to rectify this issue but it never gets amended. In XXXX of XXXX I paid my property taxes again on time and again they send it a payment to the City of XXXX XXXX after me and they were sent a refund for that amount and again I sent them that documentation but I got no response. And again it is now XX/XX/XXXX and it is not reflected on my account and my escrow was still charged again. I do not know what to do at this point. I do not my this to affect my excellent credit and I can not get this company to do anything. Please help!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX  XXXX XXXX Balance Owed : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The public records shows up at {$0.00} and both are dated XX/XX/2019 and the other XX/XX/2019 are not mines I tried to dispute because I dont have knowledge of these two public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 - 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as Experian and XXXX have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

We have applied for a loan of XXXX and locked the rate at XXXX. We paid XXXX to do this. Chase came back and said we didnt qualify. I believe this occurred because the rate we locked was either a mistake or too low. Each time we asked a question we found out they didnt consider certain financial items we sent them. We dont know why. We Have significantly more assets and cash than what we were asking for. We asked for a supervisor XXXX, and he wouldnt even return calls or speak to me. He told my wife that we already sent your deposit back. We havent received it yet. I sent a nice email asking for help, and we received no response. We will likely lose the house now, and we have put down non refundable monies based on the agents discussions with us on the phone telling us we would qualify. 

Please help.
Product: Credit reporting or other personal consumer reports

I received the response from this c editor that they verified the address and phone number. I will attach a copy of their CFPB response. 

This account belongs to my mother. At which the address they verified belongs to her. 

This is clear violation of the FCRA.
Product: Checking or savings account

They see the 2 transactions but are going to take up to 14 days to get my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an authorized user in a credit card with Wells fargo. I called them to remove myself from that account, I dont want to be an authorized user anymore. They told me they will stop reporting that account to my credit report, that was a month ago and as today they still reporting to my credit report. Please stop reporting that account to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. Upon reviewing my credit report I have identified a charge off account from XXXX XXXX XXXX that is being reported, which is in violation of the fair credit reporting act. This XXXXXXXX XXXX XXXX account is incomplete and inaccurately reporting on my credit report which is against the law to unfairly represent inaccurate information. The account says charged off but there is a balance of XXXX and a credit limit of XXXX reporting. There cant be a credit limit on a closed charged off account. There is no credit to use. The account info says last payment was on XXXX XXXX. But, the payment history shows XX/XX/XXXX and XX/XX/XXXX as paid on time. The account info says that the account was opened on XXXX XXXX but the payment history is only showing from XX/XX/XXXX- XX/XX/XXXX. All this information is contradicting and inaccurate. Please remove this XXXXXXXX XXXX XXXXXXXX account from my credit report immediately. Thank you
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. 

XXXX - Late 150days XXXX - Late 150days
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to XXXX and Equifax to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

XXXX failed to remove : XXXX XXXX - XXXX Equifax failed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX