23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : NATIONAL CREDIT SYSTEM Dear Sir or Madam, I'm reaching out to ask for a detailed verification of the debt listed below, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I would like you to provide evidence that I am indeed responsible for this debt. 
Creditor : NATIONAL CREDIT SYSTEM Account Number : XXXX Claimed Amount : {$8200.00} This request should not be seen as an admission of debt or a refusal to pay what's rightfully owed. It's simply a step to ensure the validity of the claim. 
Under the FDCPA, please provide : 1. The total amount claimed, including any additional fees.

2. A thorough explanation of the debt, with the original creditor 's details and a breakdown of all transactions.

3. Any contracts or agreements signed by me that substantiate the debt.

4. Evidence that the debt is not beyond the statute of limitations.

5. Your company 's license number in Ohio and the name of your registered agent.

6. Details of any court judgments, if applicable.

7. Confirmation that you're authorized to collect debts in Ohio.

8. Proof of your licensing in Ohio, along with the license numbers.

I kindly ask for these documents within the next 30 days for my review. Should there be any reporting to credit bureaus before validation, I expect it to be paused until the matter is resolved. If you can't prove the debt or your authority to collect it, please stop all collection activities and remove the information from my credit records.

If I don't receive the requested documentation within 30 days, I'll have to consider further action, including filing complaints with legal authorities. 
Please send all correspondence to the address above in writing. 
I appreciate your attention to this matter and hope we can sort this out quickly.
Product: Mortgage

We applied for a forbearance with our mortgage lender due to the Covid pandemic and the complete shutdown of our business from XX/XX/2020 onward. The company ignored our request for many weeks until we filed a complaint with your office after which they finally granted us a forbearance. Here is the catch. They now say at the end of the forbearance we owe them all four payments at once or we are in default. That is insane. It is not a forbearance at all and it does absolutely nothing to help the situation. They are basically postponing 3 payments for the period then making them due immediately following at risk of foreclosure. 

A forbearance is supposed to mean a postponement in payments which are then due at the end of the loan so the three month grace period allows the borrower the time to recover from the massive losses we have incurred. This is unethical and probably illegal. We need you to help us end this ridiculous attempt to get us out of our house please. 

The forbearance period began in XXXX and covers the XXXX, XXXX and XXXX payments - which we are now told are all due along with the XXXX payment on XXXX XXXX. 

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, Equifax and XXXX in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Product: Checking or savings account

my CD purchased through the XXXX XXXX matured on or about XX/XX/year> for $ XXXX and the funds were credited to my checking account on XX/XX/year>. 
I requested a copy of the Original CD ( XXXX ) from both the local branch as well as Customer Service XXXX XXXX XXXX. I called Customer Service on 3 different times as well as physically going to the branch for assistance. 

In none of the 4 attempts was Harris will to provide Records of this CD and any record of the maturing of the CD. Another lender was asking me for documentation of the CD in relation to a mortgage application. This is clearly a Records Rentention violation. No one in BMO Harris was willing to assist me. 

I demand documentation of the original CD as well as documentation of th

e CD maturity. I am also demanding financial compensation for the more the 4 hours was
ted dealing with BMO Harris.
Product: Credit reporting or other personal consumer reports

- Credit score dropped more than 30 points back in XXXX XXXX on 2024 - Credit report score not accurate through Experian to XXXX- XXXX? 
- Credit history is more than 18 years old * Credit history showing on my XXXX XXXX credit length one year and half?? 

****As shown on attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : 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: Credit reporting or other personal consumer reports

I am writing to bring to your attention serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Upon reviewing my credit report, I have discovered inaccuracies that warrant investigation and correction. However, it has come to my attention that your agency has failed to conduct an investigation into these inaccuracies, thus violating my rights under the FCRA. 

Despite my formal dispute regarding the accuracy of the information provided, your agency has not taken appropriate steps to investigate or correct these inaccuracies. This failure to conduct a thorough investigation is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputed information and correct any inaccuracies promptly.
Product: Credit card or prepaid card

At approximately XXXX XXXX  On XX/XX/XXXX I received an alert for a {$390.00} charge on my card that I did not authorize for XXXX XXXX. Upon awakening the following morning and seeing this notification, I contacted Bank of America to dispute the charge, and a claim was opened. I received a letter from BOA dated XX/XX/XXXX stating that my claim had been resolved, and a credit was placed on my account. Over a month later, I received a letter from BOA, dated XX/XX/XXXX stating that they received documentation confirming I had received the merchandise or service from the merchant. Being that I had in fact not received any goods or service from XXXX XXXX, I called BOA on the business day after I received this letter, XX/XX/XXXX. The agent told me again that they had received proof from the vendor that I had received the merchandise, and authorized the charge. When I asked what the proof was, I was told they gave my name and address. Concerned, I asked additional questions ... stated that they needed to look at my account history, ( I have had this account since XXXX ), and insisted I did not make this purchase. No one I even know ; friends, family, and even acquaintances, have flown anywhere since the COVID pandemic started back in XXXX. I am not disputing the {$8000.00} charge I made in XXXX. That was totally a authorized charge by me, taking advantage of a great sale on a new roof for our home. I am disputing a charge of {$390.00}, for what appears to be an airline ticket, bought in the middle of a pandemic, by a family of 5 that rarely travels, let alone by air. The representative that took my call stated she would reopen my claim with all the information that I provided, and it seemed like the outcome would be favorable after our conversation. Again, I have been a card holder for over 20 years, and can not recall any previous fraud claims with them. Today I received another letter from BOA dated XX/XX/XXXX, stating their decision to decline my fraud claim stands. The merchant provided documentation confirming you received the merchandise or service. Again, I ask, what is this proof? My name and address? I can promise the proof is not an airline ticket in mine or my familys name, or any known acquaintance. This is extremely concerning to me as that information, that they claim is proof, can easily be found on any public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma kept suggesting that I should apply for a low interest credit card which would improve my credit score and help me save money on existing balances. Credit Karma also suggested multiple credit cards to apply for with outstanding and very good approval odds. They have obviously tricked me into applying for one of these cards. Thanks to their misleading wrong information I was denied credit and I now have one more hard inquiry on my credit report. They're nothing but a bunch of thieves playing games with people 's credit worthiness. I wouldn't be surprised if they have a very profitable deal worked out with these banks to get us to apply for their cards by lying to us. The hard inquiry caused by their fake information should be removed from my credit report. I'm sure I'm not the first or last victim to this scam. It needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with XXXX, Equifax, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, Equifax, and XXXX  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 there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, Equifax, and XXXX   have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore XXXX, Equifax, and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, Equifax, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

AXCESS FINANCIAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestgation of disputed information on my credit report, leaving inaccurate accounts unresolved. Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The accounts have been reported due to identity theft issue I'm experiencing which I've mailed numerous letters and phone calls. I am requesting immediate removal of the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer. They have also violated Fcra 605b.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

So I reached out to AMEX help Chat via my account on line to dispute a return fee on XX/XX/. The AGent was not very nice and pretty judgemental instead closed out the chat and locked my account. 

XX/XX/ scheduled a payment for {$50.00} and {$25.00} XXXX shows on XX/XX/ both {$50.00} and {$25.00} were paid out ( debited ) AMEX on XX/XX/ shows {$25.00} dollar was credit to AMEX account and shows a return fee of XXXX
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 requirementsunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and | seek appropriate redress + for these violations.
Product: Credit card or prepaid card

I have tried to pay off my credit card in full for the balance amount I had left. However, both times the payment was reversed by the credit card lender, BBVA. Subsequently the BBVA dinged my credit score by claiming I had missed a payment. This is despite trying multiple times to pay off my credit card in full.
Product: Bank account or service

Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had obtained a 3 bureau credit report and notice that Equifax, XXXX  and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( Experian and XXXX ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Product: Checking or savings account

I opened a Citizens checking account back in XX/XX/XXXX, only because I just started a new job and my employer wrote my paychecks from a Citizens Bank account. I also bank with XXXX, but there were no branches or ATMs in the vicinity to and from where I work. I wanted make it easy to cash my checks, do deposits etc. From the beginning of opening the account, I have had nothing but issues with them, especially since I found out they put holds on all my checks for at least XXXX hours and I have no access to my funds. Since my wife and I both have bank accounts at XXXX, I normally transfer all the money I deposit to my Citizens account via XXXX XXXX. Since they were putting holds on my check and this was creating a problem for us, I decided to stop using the account and just bank through XXXX alone. Unbeknownst to me, I was using my wife 's email address as the contact for XXXX through Citizens and XXXX, which I had no clue I could not do. On Friday XX/XX/XXXX, I XXXX paid my wife my entire check of {$700.00} and the funds went to Citizens instead of XXXX because the email address contacts were the same. When I tried to access my Citizens account to correct the error, I found out that, for a reason unknown to me, Citizens put a hold on my account for " review. '' The employee at Citizens bank would not tell me why my account was in review and said I would have to wait for a letter. Mind you, this is the Friday before XXXX and {$700.00} was all we had to complete our shopping and errands prior to the XXXX. I called my wife from Citizens and put her on speaker, and the employee rudely told her he could not talk to her as she was not on the account, even though I was standing there and allowing him to talk to her. He said I could call customer service but other than that he could not help me, as he was not " allowed '' to tell me why my account was in review. I called customer service and they told me the same thing, they were not allowed to tell me and I would have to wait for a letter to come in the mail. I am an ordinary middle-class worker who relies on each and every paycheck to make it to the next week, and to put a hold on my funds without telling me why, without speaking to me about it like a human being and basically treating me like some kind of criminal IS criminal. They did not allow me the opportunity to defend myself or even know why I was defending myself. This is NOT customer service ; this is guilty before proven innocent. I still don't know when I will be able to access my funds or when this letter is going to arrive, but not having access to {$700.00} is putting an extreme financial burden on myself and my wife. We live paycheck to paycheck and are law-abiding citizens, and Citizens Bank should have had the decency to treat us as such. I am appalled and disgusted with what they did. I am XXXX XXXX XXXX, and in all my life of banking, I have never come across such a thing as a bank being allowed to hold your money XXXX. Please help my wife and myself have a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've noticed Lexis Nexis is reporting a bankruptcy on my report inaccurately. I have attempted to dispute this info with the company and have gotten no where. I have reached out to the Bankruptcy XXXX XXXX XXXX and was told that they DO NOT REPORT NOR VERIFY INFO for bankruptcies. I would like this inaccurate/false information removed from my report entirely and immediately.