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

XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX XXXX condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX  Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
Product: Credit card

My wife who is authorized on this card called this bank tonight in regard to two charges from almost a year ago on this account. She had difficulty. 
This bank is absolutely awful to deal with. Every time we go on to do something its a major issue. First of all there is no contact us section to message them online. Why? 
People have to call in? That is so archaic and really an inconvenience for a customer. 
We waited 20 minutes to get through and then my wife was asked to verify the phone number on account. She literally gave four phone numbers, every number we ever had and nothing matched or so they claimed. So now they had to call us. The security is totally overkill and annoying. 
She finally got to the issue with the dispute of the two charges. She explained what was going on. We do not recognize these charges. She even tried to XXXX do research and check our email for those dates to see if anything popped up with that name. Nothing. 
The rep tells us that we had to have a new credit card sent to our home. 
A new credit card? Why? For two small charges from a year ago? She said its due to the claim of fraud. First of all its a year ago. There were several charges after that, quite a few over a full year. If there was fraud, it did not occur again and our card was obviously not at risk. THe charges were from XXXX and XX/XX/year>, from XXXX XXXXXXXX XXXX XXXX, XXXX MA XXXX numbers XXXX and XXXX. 
Everything is a major production with this company. We have protested charges before on cards. It happens, thankfully not often but we never had to replace our card. As a matter of fact a year or two ago, I am sure we protested a charge on with this Bank of America card. We actually won that dispute. We did not have to change that card. 
We couldn't even process the dispute because of this nonsense. This bank is just full of annoying rules and regulations.
Product: Credit card

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to fall behind schedule. I find it perplexing to encounter reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX Thank you Consumer Finance.gov for addressing my concerns with CITIBANK On XX/XX/XXXX I XXXX XXXX XXXX XXXX was informed by Citibank via an upload on consumer finance that : " On XX/XX/XXXX, we will debit your account for the {$89.00} provisional credit we issued while we investigated your dispute. For the next five business days, we will continue paying checks and pre-authorized debits on your account up to the amount of the provisional credit '' Please note that my Citibank Account ending in # XXXX was never credited the incidental amount from the XXXX. Thus, Citibank completed the investigation without issuing the reimbursement from the XXXX  incidental in the amount of {$89.00}. 
On the other hand, the issue with the scam or false impersonation of the XXXX XXXX and XXXX continues, these con-artists were reported to the Federal Bureau of Investigation in XXXX, when they hacked into XXXXXXXX XXXX. XXXX and XXXX XXXX claim to work for Citibank from XXXX, XXXX. XXXX XXXX and XXXX request personal and card number, social security, maiden name, security code on card to 'answer or provide information ' to the consumer. 
I contacted CITIBANK on XXXX via private phone number XXXX Please address and review the following information : XXXX PM XXXX XXXX On call with CITIBANK, placed on hold -- XXXXvia private line XXXX XXXX XXXX picked up the line for CITIBANK stating she was a XXXX XXXX ! From XXXX ( XXXX as in XXXX XXXX as in XXXX XXXX as in XXXX XXXX XXXX XXXX and XXXX as in XXXX  ) from the XXXX. 
I XXXX XXXX XXXX XXXX 1 stated : " XXXX XXXX is on the line! '' XXXX XXXX stated " Correct! '' Screaming could be heard stating " XXXX XXXX is not CORRECT! Burning CITIBANK! '' XXXX XXXX XXXX picked up the phone line for CITIBANK again falsely impersonating a worker. 
XXXX PM A XXXX XXXX ( false impersonation ) provided the SAME ID as XXXX XXXX impersonating a XXXX XXXX. 
XXXX USA False Impersonation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that their supervisors in the XXXX  were ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX was impersonating XXXX. 
One could hear XXXX XXXX in the back of the CALL, with another CITIBANK customer arguing with her telling her to get off her phone. 
I XXXX XXXX XXXX 1 explained to CITIBANK representative that XXXX XXXX is NOT authorized to work in the United States ; XXXX impersonating XXXX XXXX -- - CITIBANK ID provided : XXXX They claim to be in XXXX, XXXX ; XXXX PM XXXX XXXX XXXX XXXX interrupted my private phone line XXXX once again to state that " To Russians -- -I am the XXXX! '' Please note that XXXX XXXX IS a Reported STALKER-NOT RELATED/CRIMINAL ACTIVITY -- - XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX do expect for these false impersonators to be apprehended. 
XXXX
Product: Bank account or service

I am filing a formal complaint about missing funds from my TD Bank Account. TD Bank did not post {$2000.00} from a federal refund to my checking account. However, they did post {$40.00} from a NYS tax refund. Instead of posting a refund, my account is missing funds. This is a clear violation of the Fair Billing Credit Act as well as other ethical business practices. For unknown, as well as unclear reasons, the XXXX Branch of TD Bank, located at XXXX XXXX XXXX, XXXX, NY XXXX, tampered with my account yet again in direct violation of corporate policy and US laws. It gave out my information out to third parties electronically in direct violation of company policies. Additionally, I am concerned with tampering of my checking account and savings account. TD bank also does not provide regular statements for Savings accounts. It only provides periodic documentation. It also does not take proper steps to investigate proper complaints from customers.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX 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, Equifax '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 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, Equifax '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. 

XXXX XXXX XXXX XXXX XXXX, XXXX Floor, XXXX XXXX NEW YORK XXXX NY XXXX XXXX XXXX ) XXXX Amount : XXXX Account : closed Date : XX/XX/year> 2022
Product: Credit reporting

On XX/XX/XXXX I received an alert from XXXX XXXX that my XXXX Credit Report has changed. Upon logging on I see that there is a collection for a balance of {$3200.00} with an original balance of {$4000.00} from Omega RMS. This account was added to my credit report with the original creditor XXXX opened on XX/XX/XXXX. I do not or have not opened an account with XXXX and have not received any paper work from anyone in regards to this matter. This account does not belong to me and I want this validated, not verified bearing my signature showing that they have right to place this item on my credit report. I know my rights as a consumer and this company is violating them. I received no dunning notices on this alleged account, and have no idea what this is. I will be disputing through the Credit Reporting agencies as well and expect this item be deleted immediately. I have attached a copy of how this appears on my credit report from XXXX. No account numbers available other than XXXX. There is no supporting evidence that this account is mine and I want it deleted immediately or I shall be filing civil suit against Omega RMS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX
Product: Debt collection

They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.
Product: Credit card

Chase did not offer me anything. Out of the blue I received an email informing me my chase card was put in a XXXX XXXX I didnt authorize and dont want XXXX or anything else added to my account without permission. 

Received via email XX/XX/XXXX XXXX XXXX Your Chase card ( ... XXXX ) is now in your XXXX XXXX Your eligible Chase card is now in your XXXX XXXX  and ready to be used for online checkout at participating businesses. 

XXXX is : More secure. XXXX doesnt share your actual card number, allowing you to check out more securely online. 
Offered by Chase. As one of a few participating banks offering XXXX, Chase gives you the same trusted financial experience youre used to. 
Convenient. XXXX combines your cards into a single wallet, so you dont have to set up new usernames or passwords. Simply choose the card you want to use at checkout. 

Want to learn more about XXXX? Visit our FAQs. 

How to opt out of XXXX : You can remove your eligible cards from your XXXX XXXX in the Chase Mobile app or opt out entirely through XXXX 

Contact us if you have more questions or would like additional help removing your cards. 

If you think we sent you this message in error, call us at the number on the back of your card right away. 
Securely access your accounts in the Chase Mobile app or at chase.com. 
ABOUT THIS MESSAGE Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

This service email gives you updates and information about your Chase relationship.

Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your accounts including your latest account balances and transaction details. 

To protect your personal information, please don't reply to this message. Chase won't ask for confidential information in an email.

If you have concerns about the authenticity of this message or have questions about your account visit chase.com/CustomerService for ways to contact us.

Your privacy is important to us. See our online Security Center to learn how to protect your information. 

XXXX JPMorgan Chase & Co .
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my bank ran my credit for a business line of credit and notified me that XXXX XXXX had a charge off for a XXXX XXXX pick-up that I had financed through them. The final payment was not taken through their auto deduct program that took my other XXXX payments. Since this vehicle was paid through my work, I never noticed nor was I ever contacted in any form by XXXX XXXX. I paid the vehicle off immediately when I found out. I asked XXXX XXXX on XX/XX/XXXX to review the details and was told they were escalating the issue. I called back on XX/XX/XXXX and was told it hadn't been reviewed. I called back today, XX/XX/XXXX and I was told by XXXX, employee # XXXX that the status hasn't changed and they were not going to rereport to the credit agencies. This was their problem for not taking my final payment and not notifying me a payment was still due. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Earnest reported my payment as 60 days past due after to phone calls where I stated hardship and noted I would pay within 2 months and asked if there would be any adverse impact on my credit and they said no. 

Only to my surprise that a day before the scheduled payment my credit score is now tanked over XXXX points preventing me from buying the townhome I was planning to save for this fall. 

I spoke to Earnest on XXXX occasions to no avail. The account is now up to date and I am seeking the 60 days past due removal as it was predatory and done to ruin my creditworthiness and not reflective of my creditworthiness and Earnest lied when they noted that due to hardship the later payment would have been fine. Also despite disputes and numerous calls they have failed to update the account as current and still have it listed on all my credit reports as late. 

After a phone call I was told a manager would call me back and never received a call, I called again and was denied access to a supervisor or escalation to a more senior employee.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX, and TransUnion multiple times to report theft, but each time they have returned verified reports, which is absurd because the reports they sent were for a XXXX XXXX, and my name is not XXXX XXXX. When I confronted them, my account was locked for reports. Consequently, I sent hard copy forms with my Social Security number and license. I have not received any updates or correspondence. I demand that any accounts associated with my Social Security number be deleted immediately, and that everything be removed from my credit report as the names do not match mine. I want everything corrected and fixed, or I will take legal action, as my lawyers are on standby.
Product: Credit reporting or other personal consumer reports

BBY/CBNA account # XXXX is reporting 30 and 60 day late payments on XXXX and XXXX. I spoke to BBY and stated they do not have any record of my account ever being late. I have sent out numerous letters to XXXX and XXXX to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Product: Money transfer, virtual currency, or money service

I HAD {$78.00} IN MY CASH APP ACCOUNT AND SOMEONE JUST TOOK ALL THAT MONEY AND TRANSFERRED IT OUT OF MY ACCOUNT THEN THEY HAVE NO PHONE NUMBER TO CALL ONLY TEXT AND THEY ARE NOT RESPONDING TO THIS INCIDENT.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. They were clearly not investigated properly. 

Here are the XXXX accounts. 

XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX
Product: Mortgage

Payments made monthly on the first as Im supposed to. Their payment site is down with zero information as to when it will be up again. 6 months ago I was charged NON STOP fees of XXXX XXXX and never refunded nor told what they were for and no matter what I sent letters to them asking I never got transparency about those. This is only my second month paying my NORMAL AMOUNT OF MORTGAGE since they took over the account in a year plus and now they have some issue again with the payment system just like last XXXX that caused my payment reversals last time. My credit went to XXXX for months over this last time.
Product: Credit card or prepaid card

I purchased a flight through CHase Travel last year, canceled it in XXXX. I have still not been issued a refund and have been sending emails for several months.
Product: Debt collection

The Company Southwest Credit System refused to delete my information and refused to address the issue that a XXXX bill for {$370.00} is not mine. I have had a XXXX account for over XXXX years.