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

Transworld Systems has been reporting a collections account on my credit report that was opened on XXXX that is not mine. On XXXX I sent them a certified letter asking them to to provide me with validation of the debt .I never received any response or any verification of the debt. On XXXX I sent them a second certified letter advising them that they never responded to my request to validate the debt and they are in violation of the fair debt collection practices act and requested that they immediately contact the three credit bureaus and have the incorrect information removed from my credit reports. They never responded to me and continue to report this incorrect information on my credit reports. They also notified the credit bureaus that this information is correct.
Product: Credit reporting or other personal consumer reports

This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit 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 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 XXXXXX/XX/XXXX I request that XXXX, Experian, and XXXX block and delete these items from my credit report within four ( 4 ) business days.
Product: Debt collection

On XXXX, Creditor XXXX XXXX  XXXX BY XXXX sent a loan balance of {$29000.00} to collections through XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX under my name. 

The collections request was added to my credit report on XXXX. This heavily impacted my credit score in which case an alert notification was sent via email through all XXXX credit monitoring companies XXXX XXXX XXXX, XXXX, XXXX ). Upon receipt and review, the account was disputed on XXXX and is currently under review by all XXXX credit monitoring companies with a review deadline of XXXX. 

No action has been taken to contact the company directly.
Product: Credit card or prepaid card

On XX/XX/2023 SHELL ( Citibank / Citgroup ) closed my long time account because XXXX, XXXX and XXXX have not fixed a problem of reporting erroneous information on my Credit File regarding to my XXXX XXXX They are re-aging the code of reaffirmation of debt due to bankruptcy on my XXXX XXXX XXXX XXXX XXXX. 

As a result of this error, which I have disputed multiple times, Shell Closed my card negatively affecting my credit on an error by the 3 CRAs. I have contacted the 3 bureaus about the mess and have filed complaints with CFPB, and the bureaus have failed to resolve this issue which is an error in reporting. SHELL based their decision on what the bureaus are erroneously reporting which is a violation of my rights under the FCRA.
Product: Credit card

Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed on my credit report. I have never had a joint account with XXXX XXXX. We were married with separate names - separate lines of credit in everything. He passed away 2008 XX/XX/XXXX - I never took on his name nor shared a credit line with him. Please remove from my credit report. XXXX XXXX XXXX
Product: Debt collection

Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
Product: Checking or savings account

I opened a personal checking account with Chase Bank earlier in XX/XX/2023 because I wanted a bank readily physically accessible to me. I have always bank with XXXX XXXX. I did a remote check deposit from my XXXX personal checking account in the amount of {$12000.00} into my new Chase personal checking account on XX/XX/2023. The debit transaction posted into my XXXX checking account on XX/XX/2023. I was expecting my credit to be posted into my Chase checking account within 2-3 business days, as is the case with every other banks I have transacted with. 

Chase bank has a policy to always place customer 's deposits " on hold '' for seven business days. That meant for the entire seven days period, customer will have no access to their funds. I had expected the funds to be available in my Chase checking account for my use within 3 business days. The Fund was held " hostage '' by Chase. Wherefore, I had no access to my own money. I called Chase bank to find out why they withheld my deposit because I needed my money for critical transactions. I was informed that Chase bank has a " Policy '' to always place customers ' deposit " on hold '' for seven days. And there is nothing they can do about that. 

I find this " policy '' to be reprehensible and an unwholesome banking practice. The Check of {$12000.00} had been debited to my XXXX checking account since XX/XX/2023 but Chase bank has decided to " hold unto '' my funds until XX/XX/2023. This is ridiculous practice and I have never experienced any such practice or policy from any major bank in the United States. 

Chase bank has no valid reason to " hold on '' to my hard earned money for no reason and deny me access to critical transaction I wanted to carry out with my own funds. Even as I am making this complaint, Chase bank still " holds my fund hostage '' for no legitimate reason. I see these practice as an " Harrasment '' of customer. I did online customer reviews serach, and it turns out millions of customers have being complaining about this Chase 's practice in online chats and customer review websites. 

I hope this compliants makes it to the United States Congress and Chase bank is made to explain its practices to Congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from XXXX dated XXXX XX/XX/2021 saying they denied an application for a XXXX XXXX credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX ) requires an active XXXX account ( which I don't have ). 

I need help getting this hard credit pull off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My VA loan with Freedom Mortgage Corp was paid in full on XX/XX/2019. This is supported by an Outgoing Wire Detail secured from the closing attorney. The wire detail identifies the receiving bank via routing and account number, the loan account number, and the amount paid. Although the funds are identified in the bank on XX/XX/2019, Freedom Mortgage did not post the payoff until after XX/XX/XXXX. Accordingly, Freedom Mortgage has reported to credit bureaus that my loan is 30 days late and is still not posting as paid off. This has caused my credit score to plummet from XXXX to XXXX. Now my new refinanced mortgage is reporting and Freedom Mortgage is still active, which has doubled the debt balance along with a 30 days late negative entry.

I have called and emailed Freedom Mortgage to resolve, with no results or return communication. I filed complaints with the credit bureaus and was notified today that XXXX has confirmed the reporting is correct and will remain on my record. I have never had a late payment with Freedom Mortgage and this needs to be corrected asap. My annual premiums for autos are coming due in XX/XX/XXXX and the rates are increasing due to this significant drop in credit score. I'm attaching the Wire Transfer of funds that demonstrates the loan payoff off on XX/XX/2019 ... in the amount specified by Freedom Mortgage.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, XXXX, and Experian regarding incorrect information listed on my credit report. I provided a detailed list of the accounts and outlined the violations affecting my consumer report. Over 30 days have passed, and there has been no response. Enclosed are copies of the letters sent.

The company is in breach of FCRA 623 ( a ) ( b ) for failing to mark the disputed account as such.

They have also violated FCRA 605 ( c ) by inaccurately reporting the date of last activity, which should show the last payment date. 
Furthermore, the company has not validated this collection account, which constitutes a violation of FDCPA 809 ( b ), as interpreted by the FTC.
Product: Credit card or prepaid card

On XX/XX/XXXX my XXXX yr. old mother was taken by a scam artist. The card information was falsely obtained. The person calling her was claiming to be her grandson in another state and told her he had been arrested for drugs and he was sick and needed medicine. She was told to go get 8, {$500.00} American Express pre-paid cards, call them back with the numbers so he could post bail. She did this and they continued to call into the night when she then suspected a scam and called me. I called American Express that night. i had to register 5 cards in my name and 3 in my wife 's so that I could dispute the charges. I did this and American Express told me they would reimburse the money. After weeks of submitting in writing a police report they have now denied without any explanation. I spent 3 hours on the phone one night being on hold for 2 1/2 hours. I get no response just a run around. Please help get my elderly parents their money back. They only live on Social Security.
Product: Credit card or prepaid card

Fraudulent Credit card was issued by Synchrony Bank for a BP credit card with a limit of {$2400.00} on XX/XX/2019. I called the number listed on XXXX XXXX for SYNCB/BP DC C/O XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) on XX/XX/2019 and spoke with someone in their Fraud Department to report the account as fraudulent. On XX/XX/2019 the account re-appeared on my XXXX XXXX report with a balance of {$2300.00} but I did not notice until XX/XX/2019. I called Synchrony Bank again and spoke with someone in their Fraud Department and they said it was highly unusual for an account to be reopened and a new card issued and they were locking the account again. At this time I also called the XXXX, AL XXXX and opened an APD case report XXXX and filed this with XXXX  I have since received the new credit card in the mail and the billing statement that I owe {$2300.00}. So I have now been victimized twice, once by the fraudster and now by Synchrony Bank. 

Synchrony Bank contends the account is valid and verified because a {$27.00} payment was made ( not by me ) on XX/XX/2019 but the account balance is {$2300.00} and they say I owe it. XXXX says their case is closed since Synchrony Bank says the account is valid and my only option is to file a complaint with the Alabama State Attorney General and file a complaint with the CFPB. 

When filing a complaint make sure you have a police report as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I'm reaching out to get assistance with having a debt reported to my credit report removed due to the collection agency not properly notifying me of said debt which would allow me to dispute the validity of its claim that I owe. I've contacted the agency several times to have them verify this debt to no avail. I'm disputing this debt and am requesting it be removed immediately due to this company not notifying me before it was reported to credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by Experian, Equifax, and TransUnion. Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. 

The inaccurate information includes : Incorrect reporting of 90-day, 120-day, and 150-day late payments for my student loan, which are false and should not be reflected on my credit report. 
Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. 
Failure to update or verify the accuracy of the reported delinquencies. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. 

Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. 
A formal investigation into why this false information was reported. 
Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. 
I am requesting that the CFPB investigate this matter promptly and ensure that Experian, Equifax, and TransUnion correct their records. I would appreciate a timely response and resolution to this issue. 

Thank you for your time and assistance. 

Attachments : Screenshot of the inaccurate credit reporting ( attached )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( Equifax, XXXX  ) and the Creditor ( DEPT ED/XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

I have told this collector identified as XXXX or XXXX. The number appears as local to Colorado. I spent 45 minutes updating my address. Asking for a settlement offer for 10 year old medical bill. This bill has already been written off per my credit report. Each rep that calls gives my old address. Five years old. They never have sent the settlement in writing as requested. Probably due to the wrong address. I now have a new medical diagnosis. Daily treatment is required. I do not want to be contact by these people any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law. 

Enforcing laws that outlaw discrimination in consumer finance. 

My complaint of retaliation and discrimination, and deceitful, unfair and abusive practices keeps getting stated that it is the same complaint. 

It is illegal for a company to retaliate for filing a complaint, but Citibank has done just that. I have filed a complaint with the Ombudsman to ensure that conspiracy to rob me of my rights is not taking place. 

Citibank lied and stated that I did not pay them in XXXX XXXX XXXX. I submitted proof that they were paid the minimum amount on XX/XX/2021. My payment is due on the XXXX if each month. I am resubmitting proof. They also reported a high balance. 

As soon as I filed this first complaint to the CFPB, a day later Citi retaliated by reporting me late to all three FCRAs, this dropped my score XXXX points ; although their policy does not permit reporting of a consumer until after 60 days of non-payment- which would be XX/XX/2021. 

As a result of the discrimination and retaliation, I filed a new complaint with the CFPB, and the negative reporting was immediately removed. My score went back up to the original score the next day-XXXXback to XXXX points higher. 

On today XX/XX/2021, due to the fact the the CFPB threw out my retaliation and discrimination complaints regarding Citi inequitable application of polices, and paid multiple payments since then, Citi has AGAIN abused thier power and retaliated by reported me late ; although I have never reached a 60 day late status and my balance is much lower-almost {$1000.00} lower. 

I have filed an Ombudsmen report as Citi is being allowed to discriminate freely by claiming their retaliatory and discriminatory actions are, repeat, complaints. 

This is an abuse of the system put in place by the Obama administration to protect XXXX women, and other minority groups that are abused by these large corporations. Is retaliation not protected in this space as it is in other governmental sectors? 

Please advise.
Product: Mortgage

I was on the title with my wife who passed away in XXXX, they were quick to say that i was accountable for the loan which i made the payments and the loan has been paid off, and they put the tax statement in my name but they've sent XXXX checkes in the estate of XXXX XXXX as i've explained there's not one, but still not gotten my money from the escro the house was paid off on XX/XX/2022 but they wont put the check in my name. seems they are trying to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND EXPERIAN ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU