23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX Co XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX   XXXX, Four accounts with XXXX XXXX XXXX, XXXX accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with Specialized Loan Servicing and then One with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, settlement was reached with two of four accounts with XXXX XXXX. Submitted in late XXXX paperwork to Experian, a copy of the settlement agreement with my legal team and XXXX XXXX. Provided online checks to XXXX XXXX and with a copy of the settlement. Experian, adjusted the amount to show balance - paid amount, not the XXXX  balance agreement of the settlement. Please adjust the account to a XXXX  balance per the settlement Experian has a proven record of " delayed '' and " error reporting '' of consumers credit reports. Needs to stop!
Product: Debt collection

XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.
Product: Prepaid card

I have a rushcard and they sent out an email last week saying they was going to be doing updates on XXXX/XXXX/2015. That was fine and went I went to check my account the little I did have in there was gone. They made an statement that whoever was getting paid 2 days early or the day before will not get it until their payday. Today XXXX/XXXX/2015 is my payday and I have n't not got anything. I check my card on XXXX/XXXX/2015 it was money on my card and then when I went back to check it again it was gone. I have bills that are due and kids that need stuff. Rushcard mess up everything. Once I get my money from them I 'm done. I have to pay a late fee on my bills and figure how to get the stuff my kids need. This is not fair. I been calling all day and I get the same story, that they trying to fix the problem and they will send out a text when it 's up and working. My plans had to get cancel cause of this. I have to figure out how I 'm going to get to work on Sunday.
Product: Debt collection

Hi I working with a credit repair company XXXX  keeps telling me this is a debt I own is in the past 7 years. Well this debt is over 9 years old. And now they up dated to 10 something 22. So they can keep it another 7 years. This debt is over 9 year or even 10. This needs come off already. I shouldn't have to pay for this all my life. Because they want to try to keep on my credit report forever you got 7 seven years to try to collect. It past it date on it. I know when it happened. XXXX. We in XXXX in a few days
Product: Credit card or prepaid card

A PayPal/Synchrony Bank Card was opened in my name and without my permission or knowledge. I first became aware of this account when I received a statement in XX/XX/XXXX. I believe the account was opened sometime in XXXX based on a review of my credit report after I received the statement. I immediately telephoned the bank and notified them that this account was fraudulent. The XX/XX/XXXX statement indicated cash advances totaling {$710.00} and a payment for {$30.00}. I have not taken any cash advances or purchased any products on this account. I did not make these payments nor have I ever made any payments on this account. I requested that this account be canceled due to it being fraudulent. The account was canceled and a fraud investigation was opened by the bank. I completed and submitted a Fraud Investigation Form provided by the bank. The Form detailed 4 additional cash advances totaling {$480.00} and 2 additional payments totaling {$56.00} between the statement and the cancellation. I did not complete these cash advance transactions or make any payments. I received a letter dated XX/XX/XXXX that my fraud claim was not approved because the account had been opened for greater than a year with payment history and that I benefited from the use of the card in purchases. I replied with a letter and documentation on XX/XX/XXXX again reiterating that I was unaware of the account and did not make any cash advances or payments. In a letter dated XX/XX/XXXX from Synchrony Bank I was informed that another review was taking place. Then I received a XXXX statement indicating that my original closed account balance was transferred into a new account. I immediately called to close the new account which now had a balance of {$1200.00}. I then received a letter dated XX/XX/XXXX indicating that the fraudulent claim on the original account had been decided in my favor. At this point, I believed the matter had been resolved ; however I continued to receive statements on the new account with the transferred balance. On XX/XX/XXXX, I sent, by certified mail, documentation including the notification that the claim had been settled in my favor and again reiterating that I was unaware that the account was opened, did not make any cash advances and did not make any payments. The certified document was signed for by Synchrony Bank on XX/XX/XXXX. I received a letter dated XX/XX/XXXX indicating that a new fraud investigation was underway. I then received a letter dated XX/XX/XXXX that my claim had been denied again because I received benefits from the transactions, that I made payments and that the account was opened for more that a year. Since then I have continued to receive statements with interest and late charges added the balance is now {$1400.00}. And yet again the balance has been transferred from the account I reported as fraudulent into yet another new account. This process just keeps repeating in an unending loop. The activity ( or lack of payment ) on this new fraudulent account has now been reported to the credit bureaus and is having a significantly negative impact on my credit history.
Product: Checking or savings account

There are scammers out there depositing fake checks into peoples accounts. I think that all the banks should hold the check for at least 5 days before releasing the money especially for people opening new accounts those are the main ones getting targeted
Product: Checking or savings account

I recently retired and moved to the XXXX. On XX/XX/2023, while back in the XXXX to complete the sale of my XXXX XXXX, I created a checking account with CitiBank at its XXXX XXXXXXXX XXXX branch in order to be able to make international wire transfers to the XXXX. After the account was created, I notified CitiBank of my travel to XXXX XXXX via CitiBank 's XXXX application. Despite having done this, CitiBank froze my account once I returned to the XXXX on XX/XX/XXXX and started accessing my account via the CitiBank phone app. Numerous attempts/calls to CitiBank 's XXXX department XXXX XXXX CitiBank canceling XXXX account despite being given the identity verification information it requested. There are more details to the situation, but the above is what happened in a nutshell. I attempted to provide CitiBank with multiple other documents/information to verify my identity, but CitiBank 's XXXX department refused to provide any email address or other means of communication, even when requested by the XXXX XXXXXXXX XXXX XXXX office XXXX the XXXX department on my behalf. 

I would like the {$8900.00} balance of my account deposited in my XXXX XXXX  account directly by Citibank. I would have used XXXXXXXX XXXX for the international wire transfers, but was told by XXXX XXXX that I would have to be physically present at a XXXX XXXX  branch in the XXXX to do so. Being in the XXXX, this is not possible. 

I can share many documents/information confirming my identity. Please contact me to advise how this information can be shared. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry were put into my credit report showing a derogatory account throughout XXXX even though my account was closed and satisfied on XX/XX/XXXX Bank name is Synchrony
Product: Mortgage

On XX/XX/2019, I filed yet another complaint against JP Morgan Chase Bank. On XX/XX/2019 I received a telephone call from Mrs. XXXX XXXX ( phonetic ) at approximately XXXX who states that she had just received my letter package and she is not intentionally sitting on issuing me my check. Although I received the release and settlement agreement and the W-9 form on or about XX/XX/2019, I signed and had the document notarized as they requested and I completed W-9 form and Chase Bank received the documents on XX/XX/2019 via express mail. Somehow, it took Chase Bank several days AFTER THEY HAVE RECEIVE their express mail to allege they have just receive it. Never the less, Miss XXXX claims that she has to find the department, which she REFUSED to name the department, and ascertain the status of my check, that was on XX/XX/2019. Miss XXXX states that she would call me back and THAT NEVER HAPPENED! I can only assume that JP Morgan Chase Bank is located inside a building the size of Texas or Mrs. XXXX is not being honest. Chase Bank received their requested documents on XX/XX/2019 and Mrs. XXXX coincidently called me shortly after I filed ny complaint. If Mrs. XXXX is not intentionally sitting on dispersing my check, then why is it taking her so long to find the department that is ALLEGED to issue checks, it makes no sense!
Product: Checking or savings account

On XX/XX/year>, Chase Bank closed my account due to my use of XXXX to transfer money to various people. This action caused a significant error, and as a result, I have been unable to access my funds. Despite multiple attempts to resolve this issue, my account has remained locked for about two months now, and I still can not retrieve my money. The closure of my account has caused me considerable distress, and I urgently needed assistance to recover my funds but they were no help and told me they werent allowed to get my funds or access my account and they werent able to do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Bankruptcy 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unemployment caused by the pandemic, I had missed payments on my credit card from BARCLAYS BANK DELAWARE and the account was closed due to delinquency. Once I was able to get reemployed, I tried to pay back Barclay 's bank but they would not accept my payments stating that the account had been transferred over to a collections agency called XXXX XXXX XXXX XXXX. I've tried reaching out to XXXX multiple times and they repeatedly state that they have no account associated with me. I have been in this predicament for over a year where neither company would accept my payments. This has caused an adverse effect on my credit score. I have also submitted complaints will all three credit reporting agencies.
Product: Mortgage

This company XXXX  in every way. I setup auto-pay immediately upon being told they were my new servicer. They failed to withdraw the first payment. Then they locked my account online. You can not reset it online. Oh, no. You have to call them. Which takes 48 minutes. The first guy, whom I will just assume was incompetent rather than a liar, told me that I had never set up auto-pay and that there would be a fee for me to pay on the phone. He could not help me unlock the website. He then transferred me to someone else who said that I HAD, in fact, set up auto-pay but it had failed to withdraw the money. She said I could pay on the phone without a fee. I did so. Now, i am getting a message that they don't have my hazard insurance policy -- which i have previously provided as part of the closing process. When I try to add it, guess what? I am locked out again. You can not reset online. You have to call them. This time, their automated system bounced me back and forth without ever getting to anyone and finally hanging up on me. I am just trying to pay my XXXX  monthly payment, and i never want to have to call them again. How, oh, how can they fix my account so that it actually works???
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX Remarks : Collection Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly. 

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately. 
Confirm in writing that the reporting to all credit reporting agencies has ceased. 
Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures. 
I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution.
Product: Credit card or prepaid card

Back in XX/XX/2018 i tried to resolve the issue with a XXXX   representative who Refused to give me a credit reversal to my store credit card at that time.his reason was Because the bank of mines returned the online transaction on the target card.being that There were no hand written check mailed to this company i felt that i deserve the right To Have my account credited of the monies they took or charge me at the time.XXXX i Did have a balance which was paid by me through the XXXX XXXX who denied the Transaction there was money in the account at that time.XXXX Representatives charge My credit card a total of XXXX which was paid on XXXX i Realized there was an error Made on my behalf of the wrong information issued and Like i did explain to the target Representative there was an error made.as a valued Customer and card holder i do Deserve the respect from the corporation and deserve The right to be refunded which i Wasn't granted that opportunity at that time. so Therefore i am asking that my account be Refunded due to the actions of these Prejudice issues at the time when being mistreated Differently from other customers or Cardholders clients dealing with the corporation i Deserve the righteous treatment Hopefully this can be resolved with out any further disputes.thank you sincerely.XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off several credit cards and only have a balance of {$6.00} on another one.

Also, the card with a balance of {$6.00} increased my limit which I haven't used.

XXXX XXXX is paid-off, XXXX   XXXX XXXX is paid-off.

XXXX XXXX Balance {$6.00}, and one item was deleted after which Transunion dropped my credit score by 43 points, my score was XXXX and should have gone up to XXXX   instead went the other way. XXXX XXXX has been paid off and should be deleted on my report since XX/XX/XXXX, XXXX XXXX should be removed on my report since XX/XX/XXXX and closed, XXXX XXXX   was transferred on XX/XX/XXXX Needs removing. XXXX should be removed from the report since XX/XX/XXXX.

All three XXXX XXXX loans were purchased by another lender should be removed.

XXXX XXXX XXXX was sent a letter asking for validation, they removed But added it back, they didn't validate this debt within the 45-days under the FDCPA, therefore, it should be deleted for good.
Product: Consumer Loan

Honda Financial Services XXXX misapplied car loan payment to a closed lease account. This caused all subsequent payments to be considered late and fined for delinquency. I continued paying more than minimum payment to catch up to what Honda was considering late. However, the late payment fees continued and another misapplication of payment in XXXX led to threat of car repossession. Loss of income resulted from having to research and dispute matter with Honda. Additionally, credit score affected by 7+ months of Honda marking payments as late. Physical proof of all mentioned here is available for review. 

Honda has made it additionally difficult to rectify this matter as they are only open XXXX - XXXX and will not allow clients to speak with supervisors when calling Customer Support. Clients are instructed that supervisors will return calls at a time that is " convenient for them. '' As these calls never took place at a time when I was available to speak with the company ( I was XXXX ), the company made it impossible to speak directly with a supervisory rep to rectify this matter.
Product: Vehicle loan or lease

Opened car loan in  XXXX   XXXX . Auto was totaled  XXXX   XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded.   Bought a new used vehicle based on the first payoff amount I received.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts marked as inaccurate : 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: Debt collection

The original creditor told me to contact executive staff at that Bank. I am unable to call or receive phone calls. I have emailed and received email from the original creditor. However, at no time has the original creditor addressed the account and now the false reporting of a debt owed. MY XXXX ' rights have been ignored and violated. ( Before during and after all action no executive staff of the original creditor has meet with me and/or replied in kind via email. ) Only action by the Original Creditor has been requested to call knowing I can not use a phone in direct violation of America with XXXX Rights. HIPPA law and other NM State laws require alternative forms of communication be made available, this has not been the case with XXXX XXXX XXXX XXXX. -the account now reported in my name is false. Collection by The Best Service Company now reports a debt that began in XX/XX/XXXX with an amount owed as {$7500.00} past due as of XXXX XXXX. At no time have I been provided any documentation and/or contacted about this past due amount owed. I was not notified about this debt in XX/XX/XXXX. I have NOT received any documentation and/or justification for this reported debt as of this complaint XX/XX/XXXX. I have not been Affected by natural or declared disaster. I receive no notifications about this ever-increasing debt. XXXX and the XXXX XXXX XXXX XXXX have refused to address and/or provide me with explanations for this continued reporting of this ever-increasing debt AND The Best Service Company keeps inflating the amount of the debt owed without notification or justification. I am only aware of this false reporting by alerts from credit monitoring company.