23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I asked for a credit line increase. I had a credit limit of {$9600.00}. I was approved for only a {$1000.00} increase and they pulled a hard inquiry on my credit. I wanted a larger increase for a trip I would will taking in the XXXX. My credit score is XXXX and I have been a customer for over 10 years with no derogatory credit information. I called back to inquire if I could get a larger increase without another hard inquiry on my credit. TD Bank said they would try for a larger amount and let me know via letter. On XX/XX/XXXX I received a letter stating that I was not approved for the increase because I have sufficient credit with TD Bank. This letter does not indicate any negative information that would explain a denial. I think their Adverse Action letters have an issue along with their underwriting process. I tried to call TD Bank on XX/XX/XXXX for an explanation. The bank would not talk to me and told me to call back and they would put in a request and someone might call me back. I asked for a manager and had my friend who works at a bank on the line with me to help ask the appropriate questions regarding their letter that made no sense. The representative said I am not allowed to give permission to talk with my friend on the phone line and when we said we would file a CFPB complaint in order to get some help- the Representative hung up on us. I need to understand why there is nothing negative in the adverse action letter and an actual reason why I can not have a credit line increase with this bank.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau XXXX ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau EXPERIAN ] has claimed that the disputed account have been " verified. '' The following fraudulent account remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXXXXXX ( XXXX ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
XXXX XXXX. XXXX ( XXXX ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 
XXXX XXXX. XXXX : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX. XXXX ( a ) ( XXXX ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, XXXX XXXXXXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under XXXX XXXX. XXXX, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau XXXX ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 

I also believe that the actions of [ Credit Bureau EXPERIAN ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Unbelievably difficult to get claim paid for a CD that I am the beneficiary for... 
My mother died on XX/XX/XXXX at age XXXX. She had money in 5 banks and I dealt with all of them and they each had their own nuances but Synchrony bank stands out. When I contacted them they said that first thing was to submit a copy of the Death Certificate, USPS. Only one of the 5 banks that would not allow email. They said to call in 7-10 business days after putting the DC in the mail, that they would not contact me. When I asked if there was a way to get it faster, they said that I could have it sent to a separate address if there was tracking. I sent it tracked and called the day after it was delivered and they said that it takes days to get it logged in. ( BTW wait times were typically around 45 minutes when I called. ). I finally sent it again requiring a signature. Couldn't find it again even though there was a signature for the delivery. Finally I complained and they mentioned that I couldn't email, but could fax. I got a fax account online and started faxing. Faxes were not lost and typically logged within 2-3 business days. Their SOP is to USPS mail the forms we needed to have notarized and filled out, but once they had the death certificate they DID tell me which forms we needed and where to find them online. Things were going better with faxing now. Still long wait times on the phone. Still days after faxing to get it into the system, but finally they said it looked okay and was in review, but could not even estimate how long it would take. I called yesterday after about two weeks and they said it had been reviewed and next step was to USPS mail my check, but again no expectations of when that would be. I said it needed to be tracked and they said that if it was over $ 100K that it would be XXXX. That was yesterday. I logged into Mother 's account this morning and saw that they account was closed yesterday and a check had been issued ( over $ 250K ). I called again and this time they said that it was sent regular mail, no tracking. And note that they didn't even inform me that the check was mailed. I had to ask. So now if I don't see the check by XX/XX/XXXX I can call back and they will send me another form to fill out for lost check. Still no email. They might send the replacement check XXXX. I will say that all of the CS agents were pleasant, not very knowledgeable, but courteous. It's the system that's so unbelievable broken. I have the checks from all the other banks and have had for some time. I don't know if Synchrony Bank doesn't focus on this aspect of their business or are trying to hold on to the money as long as they can. I will NEVER do business with Synchrony Bank again. They were fine when Mother was alive, but this is a nighmare. I have yet to be contacted by them, even to tell me the check is in the mail. I want this complaint to reach someone who can review the process. It's hard enough when a family member dies to begin with, without having to deal with this sort of insane proces
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request to AMERICAN EXPRESS to validate the account that was opened on XXXX XXXX, XXXX with a balance of {$9200.00}. To this day, the creditor was failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.
Product: Debt collection

Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact Midland Funding about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from Midland Funding, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, Midland Funding representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX Midland Funding still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. Midland Funding has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from Midland Funding pursuant to state laws and FCRA laws and Midland Funding is not trying to resolve this issue. Please help me.
Product: Debt collection

Debt paid in full three payments recorded in system last payment paid and I have forwarded bank statements as proof each time I am being given the run around the debt was paid statement and transaction information provided I want this removed from my credit
Product: Credit reporting or other personal consumer reports

Experian and XXXX 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, XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed 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 Experian 's, and XXXX inaction violates federal law and my rights as a consumer. Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX  : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.
Product: Credit card

I opened case CFPB Case XXXX  XXXX, but the response was not even close to helpful. 

They said " After a thorough review of your account, we can confirm that a SoFi Bank Checking and Savings Account was applied for and approved on XX/XX/XXXX. You contacted us on XX/XX/XXXX, to inquire about a SoFi Bank Debit Card you have received but did not request. For security purposes, a restriction was placed on your account so our Member Security Team could conduct a review.. On XX/XX/XXXX, the SoFi Bank Checking and Savings Account was closed and the debit card was deactivated. At the time the account was closed, there was a remaining balance of {$25.00}, and a check was mailed to the address on file.
Product: Student loan

I have  XXXX  due for monthly payments under my current IBR calculation, it changed from the old amount to  XXXX  when I completed my yearly IBR renewal. They 've been auto deducting the old amount I used to have due under last years calculation even though it says I have  XXXX  due. I just canceled auto pay but it says it will still deduct the old amount because it is already " scheduled '' even though its  XXXX   XXXX  and it isnt scheduled until the  XXXX  of  XXXX . I do n't owe them anything this month but they 're saying they 're going to take it anyway.     If my payments had increased I know they would have increased the amount deducted ever month, but they just continue deducting the old amount even though I owe less?? They constantly do stuff like this. They 're parasites.
Product: Credit reporting or other personal consumer reports

Submitted a dispute with Experian regarding incorrect information on XXXX tradelines from XXXX XXXXXXXX. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. Experian claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. Experian is clearly not paying attention to details.
Product: Debt collection

I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card or prepaid card

Almost a year ago I notified Cashapp that the novelty metal debit card I paid {$54.00} for didnt work when I received it. They told me it was a security issue they needed me to send docs in to verify my lease and who I was so I did .. this was XXXX. I thought it would be taken care of then and I would get another card or refund or some thing for 1 year straight up until this day theyve told me my case was escalated and they will get with me when its resolved. Its been 9 months this is absurd I have yet to receive a refund where they clearly see I paid nor have I had a debit card to use which I had my retirement check going to that account Im glad I was able to get it cancelled before it was paid out and sent to a different account this has caused me many fees because I have to cash out instead of just swiping my card that I paid for that theyve been investigating for months.
Product: Mortgage

My mortgage transferred from XXXX Bank XXXX Rocket Mortgage as of XXXX XXXX, 2021. The only piece of information I received was a letter from XXXX, notifying me of the transfer along with old and new mortgage numbers with contacts info for each company. 

On XXXX XXXX, 2021, I called Rocket Mortgage as I wanted to set up automatic withdrawal for my monthly mortgage payment and make the payment due as of XX/XX/XXXX. I was informed the loan was in a blackout period, and I would not be able to do anything until Monday, XX/XX/XXXX. I have received no communication from Rocket Mortgage at all. I wonder when I will receive a letter or an email. Probably because they'd like me to default on my payment to collect the late fees. 

During my phone conversation with the Rocket Mortgage rep ( XXXX ), I was told the mortgage transfer process had XXXX steps so I was so lucky I had called in to check on my payment. Then, I was transferred to a 'loan XXXX ' to review my loan to see if he could save me money. I did not ask to be transferred nor did I agree to be transferred. The loan XXXX went through his script, and then asked if he could pull my credit. I said, no. He then tried to talk me into it by saying they save people money and it would be worth it. At that point, I told him there was no way he was pulling my credit, and I was not refinancing under any circumstances. 

This is a corrupt business practice that will take advantage of many trusting folks. I am disgusted by the behavior, to XXXX XXXX of refinancing just to get away from this unethical company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this XXXX shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX 12. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Bank account or service

I set up a 5 year CD for my granddaughter at CitiBank. Someone in the bank changed her Social Security number 2 years in. When it was time to cash in they would n't give me the interest of {$140.00} because the Social Security number did n't match her name. They should n't have changed her number. They say they ca n't help me retrieve her money. Their mistake her loss. I want to file a complaint against them.
Product: Debt collection

These people wont stop calling me or my family members, friends and work. They even harrass me on facebook. Telling me I 'm going to jail, they 're suing me etc. They call 100 times a day and night.They say that I 'll lose my home etc. This cc was my ex husbands from over 15 years ago and the bank says they charged it off years ago!
Product: Money transfer, virtual currency, or money service

Made a purchase from another individual for tickets to a basketball game in exchange for {$250.00}, he said to send him the money via my bank ( JP Morgan Chase ) thru XXXX. Money was sent, seller didn't deliver the tickets and wouldn't return calls or texts. Seller 's name is XXXX XXXX based out of XXXX XXXX, phone number is XXXX. Email address is XXXX. Had friends call him as well to inquire about buying tickets from him and he tried to pull off the same scam with them. 

I contacted my bank JP Morgan Chase and they said they will investigate and possibly reimburse me, but it's not guaranteed.