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

I opened my XXXX XXXX. XXXX / Citibank S.D. credit card statement on XX/XX/XXXX and noticed 49 unauthorized charges. I immediately contacted them at XXXX XXXX and identified the fraud. The customer service rep said she would forward the information to the Fraud Dept. She inidcated that I may need to fill out some paper work. I said okay. 

I am familiar with regulation E, so I was shocked when I opened my new statement and saw that the fraud charges were still on my account. I contacted XXXX XXXX today XX/XX/XXXX and they said they couldnt help me because the fraud department was closed. 

The unauthorized charges total {$2400.00}, plus {$72.00} in fees and {$39.00} in interest. Please help me settle this. 

XXXX XXXX Today, XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of Equifax, XXXX, and XXXX to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.
Product: Debt or credit management

I received a notice from XXXX about a collection reported against my credit today. I called the phone number on the report. I spoke with " XXXX XXXX ( refused his last name ). He said he was the only supervisor. He refused to tell me what the debt was for, or who was his client. He said " All I know is it's a medical bill. We buy it from XXXX XXXX and do not know the details ''. He continued to yell in the phone. Said he " would not allow me to take control of the conversation '' because I told him I wanted to know exactly what this debt was for and why have I not received notice by mail. He said they " bought '' the debt on XX/XX/2024 and would NOT tell me anything. He finally hung up on me when I told him I knew the FDCPA and he was in violation of that collection law. I had to call back again, this time I spoke with a girl named XXXX. She told me it was a XXXX XXXX XXXX. I have XXXX. My hospital bills are paid. I should have had the right to dispute this collection in writing prior to it being placed against my credit. This company refused that. This company also refused verification of this debt in writing.
Product: Debt collection

I keep receiving the following email from XXXX. I have never had contact with XXXX or any other company billing through Paypal and never purchased anything from it. I do not have a paypal account. Please advise paypal that illegal activity is occuring. Phishing!! 

XXXX XXXX sent you an invoice for {$450.00} USD Due on receipt. 
Invoice details Amount requested {$450.00} USD Note from seller Didn't place this order? If not, report it immediately at ( XXXX ) XXXX. 
Invoice number XXXX View and Pay Invoice PAY BUTTON
Product: Money transfers

I found a XXXX Bulldog for sale on XXXX after finding thepuppy I thought was right for me I contacted the individual whichwas through his email listed on his XXXX. After initial email at ( XXXXPDT ) on XXXX XXXX the individual responded back with a lengthy emailat ( XXXX PDT ) with pictures of puppies for sale. He inquired aboutwhat type of living conditions would the puppy be in have we everowned a puppy of this breed, etc. After XXXX emails on the XX/XX/XXXXI sent an initial {$300.00} via Western Union tracking number at ( XXXX PDT ) to XXXX XXXX at XXXX XXXX XXXX XXXX the XXXX Bulldog was said to be dropped off and ready for shipping. Later at ( XXXX GMT ) I recieved an email from XXXX XXXX stating I needed to provide a temperature controlledcrate for the bulldog that the crate provided could not be used fortravel. At XXXX PDT I sent via Western Union {$900.00} to XXXX XXXX XXXX XXXX XXXX. I then received and email with shippingdetails and arrival times of the XXXX Bulldog. On XXXX XXXX Ireceived an email at ( XXXX PDT ) stating I needed to send {$2500.00} splitup into two payments. One payment of {$1500.00} to be sent to XXXX then a following payment of {$1000.00} to be sent to XXXX XXXX. 
After receiving this email my wife and I called and said we will notsend this amount and we want a full refund of all money sent and wegot hung up on.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights.

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly. 

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. 

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action. 

Please see the attached file below.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Our XXXX  was transferred from XXXX XXXX in XX/XX/2013 to Specialized Loan Servicing. We received a welcome letter and then didnt have any correspondence from them for years. Now all the sudden we are getting matters stating our forebarence is about to expire. We never never offered any modifications or programs at any point, we never signed any documents accepting any programs or modifications. Our principal balance is {$78000.00}. We just got served or non-judicial foreclosure stating we owe {$160000.00} in principal, interest and fees. I have requested proof that the lender owns our mortgage and we keep getting the runaround. My question is, if I have been delinquent since being transferred to SLS in XXXX, why are they just now wanting to foreclose XXXX  years later. Something is not right. They are abusing debt collection laws in trying to grease their pockets with all these extra fees. This company needs to be stopped!! Please help
Product: Debt collection

I tried to remove all negative reporting off my consumer report All 3 credit bureaus refused to remove all accounts Now I am demanding validation of each debt Pursuant to 15 usc 1692g
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience at a Chase Bank branch in XXXX, TX, on XX/XX/year>, at approximately XXXX XXXX  XXXX As a long-standing Chase customer, I have routinely completed significant transactions, including cashing and depositing checks up to {$50000.00}, at various Chase branches in XXXX, TX . In all my prior banking experiences, I have never encountered the kind of treatment I experienced at this particular branch. 

On the day in question, I visited the XXXX branch due to its proximity and requested to cash and deposit a check made payable to me by my mortgage lender for {$26000.00} through the drive-thru. The teller informed me that this transaction could not be processed via the drive-thru due to the amount, and I was instructed to enter the branch for same-day availabilitya requirement I have not faced at other XXXX branches, even for larger checks. 

Upon entering the branch, I was not acknowledged by the initial teller, and my check was instead handed off to another teller without any explanation. The second teller asked me to restate my request and informed me that she may not be able to process the cash-and-deposit transaction based on my account. This was puzzling, as my accounts are in good standing, and I have previously deposited larger checks from the same lender without issue. When I inquired further, the teller vaguely referenced " fraud '' but could not offer a clear or direct explanation. 

Following what appeared to be instructions from the first teller, my check was processed, and I was handed a receipt indicating that my funds were placed on hold for further verification, again without any proper reasoning. This treatment was inconsistent with my usual experiences at other XXXX branches and raised concerns about whether my transaction was being handled differently due to racial bias. 

As a person of color, it is difficult to dismiss the feeling that I was singled out during this process, especially since I have always been treated professionally and efficiently at other branches. The vague explanations and additional scrutiny applied to my transaction, combined with the unwelcoming behavior, suggest the possibility of racial discrimination at this location. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, as such disparities in service raise serious concerns about fairness and equity in financial services. I am seeking an explanation for why I was subjected to different procedures at this branch and assurance that Chase Bank takes steps to prevent discriminatory practices from occurring. 

Please feel free to contact me for any further information or clarification regarding this incident. 

Thank you for your time and attention. I look forward to your response and the resolution of this matter.
Product: Checking or savings account

I am writing to today to bring to your attention a recurring problem that I experienced with Chase bank. 
On XX/XX/XXXX my account showed that at XXXX XXXX an automatic payment was processed for XXXX , which left my account with XXXX $ later at XXXX XXXX an automatic payment was sent to XXXX for XXXX $ which left my account overdrawn at XXXX . the next day I was charged with an overdraft fee of XXXX $ for each transaction, arguing that the XXXX came first, causing my account to overdrawn and that any transaction performed following this transaction would be charged XXXX $ for each.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account, and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX : {$2500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX deleted from XXXX but did not delete from equifax or XXXX Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681
Product: Credit card

On XX/XX/XXXXXXXX  I mailed a certified letter to USAA Savings Bank. The letter explained the inaccurate reporting on my consumer report. According to my consumer reports from XXXX, XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 a charge off or canceled debt must be reported as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable entity. I never received my copy of Form 1099-C. USAA Savings Bank is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. USAA Savings Bank responded with a letter dated XX/XX/XXXXXXXX  stating for dispute reason " other '' the information in question is being accurately reported to the consumer reporting companies. Income does not get reported on consumer reports which in fact makes the reporting of this account inaccurate.
Product: Mortgage

As pointed out in my response to the general, unspecific, inaccurate, and contradictory response by American Financial Network the company continues during interactions to not follow basic regulations and fundamentals for staying licensed and legally selling mortgages and lending. Today I had a 30 minute plus discussion with American Financial Network or subsidiary named XXXX ( XXXX and now XXXX ). The phone call was at XXXX XXXX. In the discussion I was told that there is no way that I would be given a bank statement for a payment due in XX/XX/2022. This contradicts the enclosed statement from American Financial Network and the proposal by implication. American Financial Network was mailed a payment that arrived on XX/XX/2022 - see enclosed tracking. The check has not been made and yet the bank gave me a deadline for making XXXX payment and getting on regular payments. I'm fine with that and they make promise in writing enclosed, but then as usual I am given contradictory information as happened by phone today.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following account : XXXX XXXX XXXX Account NumberXXXX Balance : {$14000.00} XXXX XXXX  Account XXXX Balance : {$14000.00}
Product: Debt collection

I disputed an amount legitimately, but Barclays failed to honor my Master Card Dispute. They do this with large purchases. Since, they did not honor my dispute and violated my rights and my Master Card guarantee, I then cancelled my card and paid all the outstanding promotional balance ahead of time. They have been harassing me for over 6 months now. Since I had to change Internet providers I also had to change my email address, so now they ca n't send me emails. They have harassed me with letters, emails and now many daily calls from a number XXXX XXXX XXXX, with the name Unavailable. They call me when I am sleeping, when I am in the bathroom and when I am away, but never leave a message. When I answered the call, I asked for a supervisor. The caller said she would be calling me in 30 minutes but never did. They are totally disturbing my peace and affecting my health. Because, I had XXXX ; thus, my XXXX ; thus, I get worse with this kind of XXXX. I get XXXX XXXX with XXXX, and get XXXX. I have to XXXX several times a day. 
They know I am in the right, because even though they threatened me to send me to the credit bureaus they have not, because they know they do n't have a valid claim and I do.
Product: Checking or savings account

I opened a new penfed account on XXXX XXXXXXXX 
Made 2 mobile deposits on XXXX XXXX for {$3400.00} & XXXX XXXX for {$5900.00}. 

My deposits were placed on extended 5 days hold for new account deposit. 

After XXXX day. Penfed blocked my online access. 

I called Penfed and they require me to submit 2 identity verification. 

A copy of government-issued ID and selfie holding the ID. 

A XXXX utility statement for address verification. 

Uploaded them as instructed. Called Penfed to verify receipt. 

I contacted penfed multiple times and the last was made on XX/XX/. 

Penfed refused to give me a reasonable explanation on on unlimited day extension as they want.

Its on hold for 22 business days since XXXX XXXX. 

Penfed bank is BREAKING their own written rules and policy. 

KNOWINGLY ENFORCING and VIOLATING the law and rules that were made by REGULATION CC. 

However, they're ENFORCING a new rule not listed on the Agreement i signed when i open the account. 

I needed help from regulatory federal commission for the DISCRIMINATION, UNFAIR PRACTICE. 
Most importantly disobeying the law that was made years ago by the govt to help consumers being discriminated solely solely and purely at the mercy of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint after attempting to remedy inaccurate information on my credit report for over eight months without success. Despite multiple attempts and providing a clear paper trail of communication, my concerns have been ignored, which constitutes negligence and a violation of the Fair Credit Reporting Act ( FCRA ). 

The information reported by your company is not credible, as there have been inconsistencies in reporting across credit bureaus, with XXXX showing late payments that neither XXXX nor XXXX have reported. This inconsistency further indicates a lack of accuracy in the data furnished to the credit bureaus. 

At this point, I demand that you : Remove the late payments from XXXX. 
Update the account status to Paid as Agreed to reflect accurate information. 
Failure to address these inaccuracies can lead to legal action for FCRA violations under 15 USC 1681e ( b ), which mandates that information furnished must be 100 % accurate.