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

I had an issue related to an unused Cashiers Check # XXXX I purchased in the amount of {$5000.00} dated XX/XX/XXXX from my checking account # ending in # XXXX with XXXX XXXX. The check was written for the payee XXXX XXXX XXXX XXXX for a real estate auction. The check was not used and I attempted to redeposit the check into my checking account at your bank through mobile deposit and my deposit was rejected due to the payee name not matching, although I indicated on the back of the check that I am the original purchaser attempting to redeposit the unused check. I then attempted a mobile deposit of the check into my bank account with a different bank, Citizens Bank and unfortunately the funds were not released by the bank and is currently still listed on Hold status because Citizens will not honor the check which was not originated at their bank. I contacted Citizens Bank for an investigation by phone and also went into their physical branch on XX/XX/XXXX and a XXXX informed me that their back office attempted to contact Capital Ones back office and stated they need XXXX  XXXX to reject the payment so the {$5000.00} funds are released back to XXXX  XXXX and eventually refunded back to me. Citizens Bank stated XXXX XXXX did not respond to their request therefore my funds are being held indefinitely. 

I made numerous calls to XXXX XXXX which consumed hours of my time. I was instructed to mail the physical Cashiers check to XXXX Ones corporate office in XXXX, XXXX  and did so in XX/XX/XXXX. My funds were still not returned to me and XXXX XXXX stated the funds shows as paid in their system although I and Citizens Bank informed them the funds were never actually released to me. I requested for XXXX  XXXX to investigate my issue and the most recent investigation was opened XX/XX/XXXX with the case # XXXX and the XXXX I spoke to stated the investigation would be the final XXXX and would take up to XXXX business days which means it should have been completed by XXXX XXXX. I requested for an expedited investigation since I have been waiting for a solution since XX/XX/XXXX but an expedited investigation did not happen. I called again XXXX  XXXX again on XX/XX/XXXX to check the status of the case and was told by another XXXX the investigation can take a total of XXXX to XXXX  days and I informed them this is in complete disagreement to information I was previously told regarding the case length. 

After XXXX  months of numerous phones calls to both banks and in person visits to Citizens Bank, Citizens bank then finally involved their fraud department in my issue and the hold on my $ XXXX check was removed and the money was finally added to my account. I was then discusted to Citizens did not properly manage my issue and wasted XXXX  months of my time before finally releasing my funds. I later closed my account with Citizens Bank because of their mismanagement of my issue.
Product: Credit reporting

I filed XXXX XXXX Bk in XX/XX/XXXX that was successful completed and discharged in XX/XX/XXXX. All of the debts that were included in the bk were deleted from my credit report with the expectation of an entry made by XXXX ( was included in the bk and at the time was just XXXX ). I initially disputed this entry with Experian online and received a response that it was verified. I called Experian to get additional information was was told that my account was verified with the date of last payment made XX/XX/XXXX. Of course this was incorrect. I most definitely did not make a payment to this company during my bankruptcy. I was told that I needed to send in documentation to support my claim. I immediately mailed a copy of the debt schedule page, final account from the trustee, and discharged order. In my letter, I requested copy of the original contract, a complete payment history from XXXX, and vertification method. 
Today, I received from Experian the following which does not address the original incorrect reporting of this debt : An account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date bankruptcy was either filed or discharged. The bankruptcy itself, listed in the public record information section of the credit report remains for seven years from the filing date if it was a Ch XXXX, or 10 years from the filing date if it was a Chapter XXXX or XXXX. 
As a national consumer credit reporting agency we collect and store information from credit grantors and information available in public records following the guideline in the Fair Credit Reporting Act. 
When you use credit a record of your payment history is stored along with the respective account. The monthly payments leading up to a bankruptcy discharge tells the account 's history. Unless the history is inaccurate, it can not be deleted. Accounts included in a bankruptcy ( other than those under Chapter XXXX ) will no line indicate that a balance is owed. 

The account in question is currently showing : XXXXDate Opened : XX/XX/XXXXFirst Reported : Not reportedDate of Status XX/XX/XXXXRecent balance : XXXX paid as of .... 
Status : Discharged through Bankruptcy Chapter XXXX. This account is scheduled to continue on the record until XX/XX/XXXXComment : Account closed at credit grantor 's request. This item was updated from our processing of your dispute in XX/XX/XXXXAccount History : Debt included in Chapter XXXX Bankruptcy XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, XXXX and Equifax as soon as possible as this has been going on for too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 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 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

I returned an item to Amazon.com on XX/XX/21 which was purchased with my Synchrony Amazon Prime Store Card on XX/XX/21. I returned the item via XXXX XXXX drop-off return option and was initially refunded for the item from Amazon, however on XX/XX/21 I was charged back {$51.00} from Amazon as they stated they never received the item. I tried to resolve this through Amazon, and they initially stated they would refund me, but this never happened so I eventually filed a dispute through Synchrony as they are the credit card issuer. I have since completed numerous redundant documents and forms through Synchrony and they have failed to resolve the issue. They have most recently even stated that I didn't complete one of their forms so they are closing the case, however I sent everything to them and have evidence to show this. Synchrony never even gave me a conditional credit on the disputed amount. I feel Synchrony is simply trying to avoid resolving the issue at this point and am asking for CFPB 's assistance as I don't feel this will be resolved otherwise.
Product: Debt collection

I have attempted to contact Transworld Systems Inc separately with no resolution. I also attempted to contact XXXX XXXX XXXX XXXX. They state that I have an active balance through XXXX XXXX XXXX XXXX of {$61.00} I provided documentation to both Transworld and XXXX XXXX XXXX XXXX 6 months ago showing that I have the payment confirmation receipt for this debt. I paid it on XX/XX/2019. The debt still remains on my credit report. 

I filed disputes with all three credit bureaus. XXXX  and XXXX quickly removed the item from my credit report once I provided support ( 2 days ). 

XXXX conducted a sham investigation that took nearly a month to complete and refused to remove the item from my credit report. I filed a second dispute and they again refused to remove the item from my credit report. 

I am filing this complaint because I do not think it is just to have to pay a debt twice due to faulty record keeping between XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX credit reports
Product: Bank account or service

Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.
Product: Student loan

During the COVID-19 Pandemic I paid off my entire student loan balance of {$12000.00} that was serviced with XXXX  XXXX XXXX On XX/XX/2022 I called XXXX and requested a refund of my payments. I was not educated about the impact of this or informed that by doing this it would re-open my student loans. I was told that the payments would be issued direct deposit to the bank account I made my loan payments to. I informed the agent that I no longer had that bank account and she informed me that I could not change accounts and I would receive a check issued by the Dept of Treasury within 12 weeks. 

I then received an email on XX/XX/XXXX that my loan was now with Mohela. I called Mohela to check the status of my refund payment and was told to call XXXX XXXX. I called XXXX  XXXX and was told the deposit occured on XX/XX/XXXX. I asked if she knew if a check was being processed through Dept of Treasury since I do not have that account and so I did not get the funds. She was not sure and could not answer my question. Based on the 12 week calculation the date should have received my check was XX/XX/2022 but as of XX/XX/2022 I still have not received my check. 

I then called XXXX  XXXX again around XX/XX/XXXX and was not able to speak to a representative because the automated system would not accept my PII since my loan is not serviced with XXXX  XXXX. On XX/XX/2022 I called Mohela and was told they did not have access to my refund information and opened a request with XXXX  XXXX which will take 30 days.
Product: Credit reporting or other personal consumer reports

The credit bureau has been allowing access to my credit file to various companies without my permission. Once, I was made aware of this situation, I elected to file a freeze and fraud alert on my credit file. 

I have asked the credit bureau to remove these erroneous inquires immediately to no avail of any cooperation on their part. 

Therefore, I am filing this request with your agency to enforce the FCRA rules and regulations with the credit bureau to correct my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that in XX/XX/XXXX Chase my mortgage company had not been reporting my mortgage payments. After alerting Chase, on XX/XX/XXXX Chase sent me a letter that stated they agree with me and they would begin reporting to the 4 major credit reporting agencies. Listing them specifically including XXXX. 
On XX/XX/XXXX, I wrote to Chase alerting them that my XXXX credit report in fact did not list them at all. XXXX XXXX, Executive Director with Chase, wrote back XX/XX/XXXX and essentially blamed XXXX stating " there's an internal credit agency policy that's preventing your account from showing up on your credit file ''. Chase advised that I contact XXXX. 
On XX/XX/XXXX I spoke in-depth to several departments at XXXX and they do not have Chase as a creditor that is reporting my mortgage payments. 
Despite me telling Chase that I spoke with XXXX, giving Chase a copy of my credit report showing that they are not listed and telling Chase that XXXX  suggested they call them, Chase has not called them or attempted to correct my report. Instead, Chase is deliberately not reporting and deliberately lying to me by continuing to claim that they are. Chase simply keeps telling me they are reporting although XXXX and my credit report proves differently. 

Chase has lied to me for 3 years by claiming they have been reporting. There are 18 years of mortgage payments that are missing from XXXX.
Product: Credit card

I have been a valued AMEX card member since 2013 and happy with their services. However, in XX/XX/XXXX, I have applied for the American Express platinum card with the sign up bonus of XXXX Membership reward point after {$3000.00} spending. I used this card for my daily spending. After one month, I met the requirements, and American Express posted the XXXX points to my Membership reward account. On XXXX XXXX, I noticed that Amex had reversed the XXXX points on XXXX XXXX with no explanation whatsoever. I contacted the CSR and gave me a case number, but told me no reason. On XXXX XXXX, I called the back number on the card, tried to figure out what exactly happened to my points. I was told that my points been reversed was because my spending did not meet their requirements. Since I had received my points after {$3000.00} spending, and AMEX already posted it to my account, I had no doubt regarding what is qualified for the spending. Now, after two months, which already exceed their promotion period ( 90 days of opening account ), AMEX came back and told me my spending was n't qualified??? Are you kidding me? IF it is not qualified, then I should have known. If it is AMEX 's own IT or Tech problem, then I should be granted to their own mistakes!!!! BUT, they did not do anything, so I decided to cancelled the card without any hesitation. 

BUT, this afternoon, I received a call from Membership Rewards, a lady told me my reversed points were still under review, because there was an error regarding of what I had purchase on my platinum card, so she said it might take couple more weeks to finish the review. I told her I had closed my account already, she said if I wanted to continue this investigation, I had to reinstate my account. BUT there is no guarantee of what could happened to my account. 

1. I only asked for extended time to make qualified purchase, since I am the only covering AMEX 's own fault!!!! BUT they would n't grant that!!!! 
2. Since I already closed my account, why are you guys telling me this further review, and suggest me to reinstate!!!!!!!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Dispute of Unauthorized Inquiries on My Credit Report in Accordance with 15 USC 1681b I am writing to dispute several hard inquiries listed on my credit report, which have been made without my authorization or consent, in violation of the Fair Credit Reporting Act, specifically under 15 USC 1681b .

The following unauthorized hard inquiries are negatively affecting my credit profile : 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 I have not authorized these lendersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXto access my credit file or perform hard inquiries. These unauthorized inquiries are not only inaccurate but also have the potential to negatively impact my credit score and financial standing. 

As per the guidelines established under 15 USC 1681b of the Fair Credit Reporting Act, the inclusion of unauthorized hard inquiries on my credit report is a violation of my rights as a consumer. These unauthorized inquiries do not represent any credit application or agreement made by me with these lenders. As a result, I insist on the immediate removal of these inquiries from my credit report to restore its accuracy and integrity.

I kindly request that a thorough investigation be conducted into these unauthorized inquiries and that they be promptly removed from my credit report. Additionally, I request written confirmation once these inquiries have been deleted.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries for your reference and investigation. 

I am expecting a swift resolution to this issue in accordance with the Fair Credit Reporting Act. Your immediate attention to this matter is highly appreciated. 


Thank you for your prompt action and assistance in resolving this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 informationisinaccurate.
Product: Debt collection

Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

The credit report has wrong addresses on credit reports. Accounts not mind XXXX XXXX XXXXXXXX, XXXX XXXX accounts not mine. Theses accounts are damaging my credit and I need accounts removed
Product: Debt collection

I called Midland Funding on XX/XX/XXXX or XXXX to settle my debt. They were sending me to small claims court for {$1400.00}. When I called, I spoke with someone named XXXX XXXX and he told me that the only way he would negotiate my debt would be if I answered his questions. He wanted to know how much my mortgage payment was and my car payment and how much money I make and how much all my bills were and when I refused he said he wouldnt talk to me if I didnt give him that information. Then he told me that he would negotiate my debt down to {$1200.00} if I paid that amount by XX/XX/XXXX. He wanted me to give him my account information over the phone and I told him I would use the website and he kept trying to get me to pay over the phone but I refused. I then paid the {$1200.00} on Friday XX/XX/XXXX. The website said I still owed {$140.00} even though XXXX said my debt would be settled at {$1200.00}. He also told me he would send me confirmation in the mail which never came. Today I received a notification from XXXX XXXX saying Midland has increased the amount I still owe from {$140.00} to {$440.00}. This should be against the law because at this point they are asking for more money than I even owe. Not to mention the fact that I never entered into any agreement with this company in the first place. They are a third party agency. They also reported this information to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requestsed and got a pre-approval for an auto loan from Captial One. I found a car at XXXX  XXXX XXXX and went to purchase the car. I Gave them the approval letter and they told me they had to run my credit again and I gave them approval. Unknown to me, they ran my credit multiple times with multiple lenders. I already had my loan approved and they used capital one as the lender and I never gave approval to pull my  credit multiple times since I was already pre-approved.
Product: Credit reporting or other personal consumer reports

The credit card company ( XXXX ) was reporting the month of XX/XX/XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with experian and provided documentation showing the reversal for 2 late payments. Experian gave me an update claiming the merchant ( XXXX ) validated the late payment. I then contacted XXXX and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted experian to inform them of XXXX response and they had me file another dispute with the same documents as the last. It seems neither experian or XXXX can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.