23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Solicitation from American Express for premier rewards card with no clear and distinctive reference to it being a charge card. Furthermore it is to paid in full at end of the cycle and no clear and distinctive reference in the entire contents of the solicitation. 
Letter from American Express customer advocate services team states the pay over time with information with the APR are in a separate letter. 
Conclusion of such practice is Consumer misleading with no clear disclosures and enticing offers that could be a potential debt trap.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit file reporting it as late 90 days. 
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 XXXX XXXX, XXXX # : XXXX, Has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Checking or savings account

On Friday, XX/XX/year>2024, I deposited a third-party check for {$27000.00} issued by XXXX XXXX , drawn on XXXX XXXX XXXX  , into my Chase Bank account ending in XXXX. 

On XX/XX/year>2024, Chase restricted my account, stating the check required additional review due to third-party verification. They claimed that the phone number I provided for the original payee, XXXX XXXX, did not pass their internal verification and risk tool. Despite this, I took the following actions to prove the legitimacy of the transaction : Provided two phone numbers, an email address, and the physical address of the payee, XXXX XXXX. 
Submitted a notarized affidavit of endorsement, signed by XXXX XXXX, affirming that : - The check was voluntarily endorsed in good faith.

- The transaction was legitimate.

- Included a photocopy of XXXX XXXX government-issued ID ( front and back ) for verification.

Chase refused to accept any of these verification efforts, insisting that they could only call a verified phone number tied to the payee based on their database of credit bureau and public records. They provided no alternative methods for verification, despite my repeated efforts to comply. 

On XX/XX/scrub> 2024, Chase closed my account and placed the remaining balance of {$26000.00} on hold, pending third-party verification that I have been unable to meet under their arbitrary requirements. Chase offered to return the funds to the maker ( XXXX ), but XXXX informed me during a phone call that their internal policies do not allow returned checks or reissuing funds.

As a result, I have been unable to access the funds, which were intended to pay for rent, bills, and inventory for my newly formed business. The financial hardship caused by Chases actions includes : - Inability to pay rent, utilities, and basic living expenses.

- Accumulation of {$5000.00} in loans to cover necessities, with an interest rate of 30 % APR.

- Multiple late payment notices and overdue bills for essential services.

Chase Banks actions are unreasonable and inconsistent with standard industry practices. They have failed to provide clear written communication citing specific laws or regulations that allow them to hold funds indefinitely. Additionally, Chase 's reliance on unverifiable phone numbers disproportionately impacts individuals who do not have access to phone services tied to credit bureau databases, raising concerns of fairness and compliance with consumer protection laws.

I respectfully request the CFPBs assistance in resolving this matter and ensuring Chase releases the funds promptly.
Product: Checking or savings account

I have a Current account # XXXX which has been functioning without incident for almost 3 weeks. Without notice, Current Fraud Operations cancelled my pending ETF and sent me a verification request. I promptly submitted all documents ( Photo ID, Selfie holding ID, XXXX XXXX  Statement ) and asked for an ETA to resolution, follow-up timeframe, contact information, etc. I have spoken to almost 20 Agents and Supervisors throughout the organization ; Nobody at Current will provide the contact information for the Fraud Unit, Executive Response Unit, Office of the President/CEO, or even a timeframe within which someone from Current will proactively reach out to me to confirm resolution. In the meantime, I have been lied to, given contradictory information, hung up and disconnected on while my access to my account funds ( presently {$340.00} ) is fully restricted ; I can not make any Inbound/Outbound transfers, and my Debit Card access is locked for purchases/withdrawals. This is tantamount to theft of my {$340.00}.
Product: Credit reporting

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special - XXXX County Special - XXXX County Special - XXXX
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Money transfer, virtual currency, or money service

I have had my account frozen for a week. I am unable to withdraw, send, or exchange currencies on coinbase. 

I have emailed and called the company several times including the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,. Several emails and phone calls. The response it always your case has been escalated but the account remains frozen. 

They have over 10k dollars of my currency frozen on their site. 

We have made several plans to settle the balance and unfreeze the account. I need to access my funds.
Product: Debt collection

I over look my credit report and I see some activity that is not mine
Product: Credit card

I made a payment online XX/XX/24 for {$76.00} as a scheduled payment on XX/XX/24. On XX/XX/24, it shows a {$30.00} returned payment fee saying the account it was to come out of was closed. Of course, they cant say what the account is but the last 4 is the correct account for my checking I had set up for the payment. I then contacted Old Navy Credit Card on XX/XX/24 and XX/XX/24 trying to resolve and they would not reverse my fee or help me with figuring out why this was saying it was closed. I was told to contact my bank to figure it out but the bank has no record of a payment coming out. All I want is my {$30.00} charge credited back.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

DiTech Financial LLC is trying to collect a debt that is not mine. Harrassing phone calls and letters. I am sending a certified letter today including the Fair Tade Debt Collections act. If they do not stop I will be seeking legal counsel.
Product: Credit reporting or other personal consumer reports

XXXX time share is a scam using fraudulent bank called XXXX XXXX XXXX XXXX XXXX that lends money to XXXX on our names without our knowledge and we are obliged and penalized further by the credit rating agencies like Equifax, ( XXXX and others ) relay this false scam in our credit reports. 
XXXX made a fraudulent contract with all lies using smart cheaters who spoil the vacation of the gullible. 
I dispute the XXXX contract # XXXX Please see the fraudulent agents of XXXX warned not to invite tourists especially in Florida and call them inside XXXX XXXX ' hotels, lies and create accounts on our name in a fraudulent bank called XXXX XXXX XXXX  XXXX XXXX XXXX  then sends money to XXXX and bills us. Equifax, XXXX and XXXX etc are then make bad credit rating XXXX based on fraudulent XXXX AND XXXX XXXX BANK. 
WORKING WITH XXXX IS ALSO A PAIN AS THEY SEND PAGES AFTER PAGE OF DATA WITHNO CLEAR ANSWER. 
Please ensure XXXX contract # XXXX is cancelled as told them by mail immediately after we came back in 5 days. XXXX is also very difficult to communicate as their associates are trained not to answer or cancel contracts as requested. 
XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company EXETER FINANCE LLXXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Product: Credit card

I made a reservation for a room on XX/XX/year> on line. My family had a change of plans and the next day I canceled the reservation. I was given a cancellation number of XXXX. 
The next month on my credit card I was charged. When I called the Hotel they informed me that they do not use the on line service that I had contacted. Since then I have called and written multiple times to get the charge removed from my Marcus card but, I am still being billed.
Product: Debt collection

I recieved a letter today from Capio partners in regards to an alleged debt from XXXX for my son. The letter threatened to report the alleged account to the credit bureaus of not resolved. For one, my son is covered under two insurances, XXXX failed to bill both of them ; one of the insurances is XXXX. I dont owe XXXX  any money and the my insurance companies were not billed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX  XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX? Account # 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 is also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have an account with Midland Credit Management, they are handling an old credit card that I had through XXXX. I went to make my monthly payment online and the XXXX system was down. I tried again the same day to make the payment online and was able to do so. However, I received a late fee. I disputed this fee but XXXX would not removed the fee. I refused to pay the fee due to this not being my fault. The fee 's kept building there after. Midland Credit Management took over my account and I disputed this charges once again. I then received a warrant in debt from Midland where I had to appear in court. I paid the account off in advance just to not have to go to court and possibly jeopardize my job. I stated that I disputed my account before the lawsuit, how could they sue me? I have paperwork showing that my account balance in {$0.00}. I just got a statement from Midland Credit Management stating that I owe them {$120.00}. Nobody with MCM can tell me anything about this debt owed now. I have paid all debts, I don't understand how you can sue someone if they are disputing the account and fee 's and the company wont even take a look at the account. I have suffered tremendously because of this company. They have put my job in jeopardy, caused unwanted stress, ruined my XXXX, and yet I cant even get help or an answer from this company.
Product: Credit card

I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Bank of America agreed to honor a charge this summer from XXXX 's List. According to Bank of America, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that " closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected.
Product: Debt collection

A short time ago, I received a debt collection notice from Berlin-Wheeler about an unpaid amount to XXXX XXXX in XXXX Kansas. The notification was for a debt less than a month old. 
I therefore told them, in no uncertain terms, within the 30 day limit, to stop trying to collect. On XX/XX/XXXX, they sent a verification to the debt, pretending that I asked for it when I did not.
Product: Credit reporting or other personal consumer reports

I checked my credit report there was fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has pulled my credit without my consent. I called them and they said that they did not pull my credit but credit report shows otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX  and individual for XXXX. XXXX is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. As you can see
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed inaccurate and fraudulent info to re-appear on my credit report after the info was previously disputed and deleted due to fraud and identity theft. This is impacting me adversely as I am in the process of securing a mortgage and this inaccurate information is being reported negligently. I was not provided with any documentation that would verified any alleged debts as belonging to me and have also provided a police report, FTC report in addition to a certified letter from a previous employer that explains a data breach. Equifax is violating several federal laws and also their actions are adversely impacting me with the gross negligence of their inaccurate reporting.
Product: Mortgage

In XX/XX/XXXX I filed for chapter XXXX bankruptcy and I continued to pay for the mortgage after the debts were dismissed. I never reaffirmed the debts. I stayed in this home till XX/XX/XXXX and lost my job so I could not afford my home. The home was worth less than I owed so a short sale was done. 
Currently I am trying to get a new loan in order to purchase a new home. The under writers are telling me that this short sale is showing up in the fha underwriting system even though it was covered under my chapter XXXX bankruptcy. 
I can not be approved for a loan because this is showing up as a short sale of less than 3 years
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX XXXX Credit Report XXXX Bank Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX Bank XXXX XXXX credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under XXXX XXXX XXXX. 

Disputed Account : Account Name : XXXX Bank Credit Card XXXX and Errors : Incorrect Payment Date : The credit report lists the last payment date as XX/XX/XXXX, which is incorrect. This error violates the FCRAs requirement for accurate information ( XXXX XXXX XXXX ( b ) ). 
I paid around XX/XX/XXXX I guess. 

Agreement with XXXX XXXX : The debt was paid to XXXX XXXX XXXX, who confirmed they would not report this negatively on my credit report and would send a letter stating this account will no longer report negatively. Despite this, XXXX Bank continues to report the account negatively. This misrepresentation violates the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( a ) ), which requires accurate reporting of information. 

Debt Sold to Unlicensed Collector : The debt was sold to a collection agency that was not licensed to collect debt in the state of Nebraska at that time. This is a violation of state regulations and affects the legitimacy of the debt collection process. 

Failure to Receive Debt Validation : I never received debt validation from XXXX Bank, which is a requirement under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). Reporting the debt without proper validation is a violation of this act.

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected or deleted, indicating potential willful noncompliance by the XXXX XXXX XXXX and XXXX Bank. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$250.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.