23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

An XXXX XXXX XXXX credit card - Concora Credit Account issued by XXXX XXXXXXXX XXXX, Member FDIC closed account due to unauthorized or suspicious activity when I tried to make payment through routing and account number of my banking institution. Their online billing system didn't recognize my routing number and account number, but my banking institution has a special wire transfer routing number that I was able to use for payment and Concora Credit accepted the payments that I paid at the time. These two payments were made on XX/XX/year> and XX/XX/year> in the amounts of {$250.00} and {$150.00}, respectively. The payment due date is XX/XX/year>. A day or two later the payments were reversed. I called Concora Credit and made a payment with the routing and account numbers for my account and the payment has been credited as of XX/XX/year>. Although my payment was being made on the exact same date that the account was being closed, I did not find out until today that they had closed my account for unauthorized or suspicious activity. They mailed a letter that I received today informing me of the account being closed for the mentioned reasons. When I called Concora Credit they stated there was nothing wrong with their online payment portal, which is not correct. I am able to make payments to other companies using my account and routing numbers on their online payment systems but for some reason on multiple attempts Concora Credit reversed the payments. Had I not been paying attention to my account ; I think it entirely possible that I may not have known the payments were reversed and potentially be penalized for a late payment fee and lose the special zero percent interest financing on my purchase. When I called Concora Credit I could hear lots of background noise, which I suspect were people who had payments reversed that were made on their online payment system and they are now penalized with late fees and compounded interest. If I hadn't started attempting to make my payment a month before the payment due date and seeing that the payments were reversed, and instead tried to pay on the due date or a day prior which would've certainly resulted in a late fee and losing my special zero percent interest rate.
Product: Credit card

On XX/XX/2024, around XXXX XXXX XXXX, I received an email from XXXX XXXX stating that someone recently checked my credit. I immediately logged in to my XXXX XXXX account through the app on my phone. In the alert sections there was a credit alert message with the information for a credit report inquiry with the following details : Source : XXXX Alert Date : XX/XX/2024 Inquiry Date : XXXX Name : Capital One I called my bank. I told them that to check and review the inquiry because I had never authorized anyone to run a credit report. They said that will open a ticket, flag my account for potential fraud, and review everything from their end. I also called Capital One and reported the issue. Capital One said that will run an investigation. Both institution advised to report this fraud to FTC and local police for potential identity theft.
Product: Debt collection

Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Discover Bank has violated my rights.


15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : 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, credit repair services, or other personal consumer reports

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Checking or savings account

I deposited a check on XXXX XX/XX/2022. I asked specifically about a funds hold because I know the bank often does that, particularly for a large check ( over {$80000.00} ). She said the systems didn't show any. I was surprised and figured I'd wait and see. Not surprising was that the next day the deposit showed a funds hold for up to 10 business days. I know that the banking system is more efficient than that and that the check cleared and funds were likely transferred the next business day, and yet I was not able to access the funds for over a week. I finally see today that the funds are fully available ( XXXX XX/XX/2022 ) and know that Friday was a bank holiday, but it is still ridiculous. Banks holding our cash XXXX while they earn interest on it is completely unfair to consumers and an abuse of their position. They should be required to make funds available as soon as the other bank approves the payment and sends the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly provided PROOF from DCS that shows that all accounts are closed. Transunion, XXXX and XXXX continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCSXXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX will love XXXX to update my missed payment to current and paid
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the repeated failures in opening my accounts with 3 Credit Bureaus. Despite numerous attempts, it is disheartening to inform you that the issue of delayed account activation has not been resolved.

I initially applied to open accounts with Credit Bureaus. This was an important step for my financial and business needs.

After completing the required documentation and following all the procedures outlined by your team, I expected my accounts to be activated within a reasonable timeframe.

However, despite your assurances, my accounts remained inactive well beyond the promised activation date, causing significant inconvenience and disruption to my financial affairs.

Frustrated by the delay, I filed my first complaint regarding the late opening of my accounts. I was assured that the issue would be investigated and resolved promptly. 

Despite my initial complaint, I received no communication or updates regarding the status of my accounts. There was no improvement in their activation. 

Subsequently, I made several follow-up inquiries to your customer service department, seeking information about the status of my accounts. Each time, I was met with vague responses and no concrete action taken to resolve the issue. 

After the lack of progress and numerous attempts to rectify the situation, I filed a second complaint. At this point, I had already faced considerable financial losses and substantial inconvenience due to the unavailability of my accounts. 

Once again, I received assurances that my accounts would be opened promptly, but to my dismay, the issue remains unresolved as of today. 

This ongoing delay in opening my accounts has caused me immense frustration and financial hardship. I am deeply disappointed by the lack of attention and resolution from your end despite my continuous efforts to seek assistance. 

I urgently request that you take immediate and concrete actions to rectify this situation. I expect a swift resolution to the issue, including the activation of my accounts and access to all associated services within the exact timeframe. Furthermore, I insist on receiving regular updates regarding the progress of this matter to ensure transparency and accountability. 

If my accounts are not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including reporting it to relevant regulatory authorities and seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. I am asking for your assistance to correct the following late open accounts immediately from my credit report : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$15.00}.
Product: Credit card

XXXX XXXX XXXX XXXX  years age most of my life I was denied XXXXXXXX XXXX XXXXXXXX because of my Credit Score as XXXX  mother and oy have XXXX  loans the XXXX XXXX XXXX XXXX  do not have opportunities for individuals to develop they credit. I been working and attending XXXX  and even have XXXX and XXXX XXXX XXXX into my account. No, United States States Banks offer credit card. I finally received credit and pay all my bills and my Credit Score does not change. I was able to finally apply for XXXX I pay off all my debt and because medical illness I denied again for trying to Reestablished myself. In my Lifetime I only received average of {$200.00} and this is not much. Especially cost of clothing is high and your score or available credit has not changed.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$790.00} DEPTEDXXXXXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00}
Product: Checking or savings account

CD matured XX/XX/2018, maturity notice was sent to my address at XXXX XXXX , XXXX . 
I closed the acct., check was not received, called bank and was informed cd was closed and check sent. I called again and was informed check was sent to my winter address in XXXX. and after several attempts to deliver it, check was returned to bank. Check would be arriving by XXXX XXXX XX/XX/XXXX. When it didn't arrive, I called again, it has been 24 days that this money, over {$40000.00}. has not been receiving interest and now told XXXX XXXX will deliver it XX/XX/XXXX. How can a bank treat a customer like this? If I rec. check on XX/XX/XXXX, it will be 25 days, I have been without the use of this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost, my last name is a single letter XXXX. My birth certificate, social security card, passport, California drivers license, business license, all have my last name correct. Experian, whom I have sent numerous letters and provided supporting documents, asking that they correct my name. And every time they send me back a packet asking for the information I provided when I sent them the letters. There is no one I can resolve this issue with, because they have no live person to speak with on the phone. They are reporting incorrect information. I have applied to rent a few apartments, and have beeb denied. Because they report back to have them company verify my ID, because the last name they have on file is XXXX. Which is false. If my government issued documents are able to be processed with one letter, I don't see why they can not. Not only that but I have been denied with a lending/flooring company because they could not run my Experian. So I am now forced to put XXXX and explain why my drivers license and the information I furnished dont match. And to make matters worse, when a company is able to run met experian report, it continues to show an a derogatory account that I disputed last year. The results were they would have it deleted, but that's not the case. It is still there. Can they just report correct information, especially if they are going to have my social security number tied to it.
Product: Credit reporting or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

Remove this incorrect information at once and send me an updated copy of my credit history report.
Product: Mortgage

I waited to file this complaint. On XX/XX/2022, I was told by the mortgage company, Specialized Loan Servicing, that an escrow refund check had been mailed on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received a check in the mail. Please read on : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I held a mortgage ( # XXXX ) with Specialized Loan Services for a condo ( XXXX XXXX XXXX, XXXX, XXXX ) and sold the condo unit in XX/XX/2022. As seller, I signed on XX/XX/2022 and the loan closed on the XXXX of XXXX when the buyer signed. 

My understanding from speaking to a compliance officer at a local mortgage company is that according to Regulation X, Specialized had 30 days to mail proceeds to me from escrow and any other remaining balances to my favor from the transaction. I followed up XXXX XXXX XXXX XXXX  XXXX on numerous occasions and was told that a refund check had been mailed. 
I never received a check. As I never received a check for the {$1900.00} owed to me, Specialized " supposedly '' stopped payment on the original refund check, stating that they were going to reissue the check. I was told at the end of XXXX that the check had indeed been reissued. It was not. My next all in mid XXXX clarified that I have been given " incorrect information ''. I have been getting the run around from XXXX, having at least 8 phone calls with Specialized, being passed between various offices and representatives, each time being told a different thing. I was requesting a check be reissued immediately and overnighted by way of a method with tracking. The last conversation I had was with a representative on XX/XX/XXXX. In that conversation, I was told that a check had been mailed on XXXX XXXX by way of snail mail. I told Specialized that I did not believe them and that I was filing a complaint with the CFPB because they were far out of compliance with Regulation X which stipulated that they pay me proceeds within 4 weeks of loan closing. I'm asking that this complaint be logged and corrective action taken.
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. 

Here see the accounts that are marked inaccurate XXXX XXXX XXXX {$2100.00} XXXX ( XXXX XXXX  ) {$580.00} XXXX XXXX XXXX ( XXXX ) {$610.00} XXXX XXXX  ( XXXX  XXXX ) {$1600.00} XXXX XXXX  ( XXXX  XXXX ) {$610.00}
Product: Credit reporting or other personal consumer reports

I want these XXXX new credit check without my consent i want them remove from my credit report my as my credit has a fraud alert on it and i have received no call to confirm my identity XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 the item of information from the file of the consumer, or modify the 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. Please remove the following items from my credit report, immediately Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX XXXX XXXX off XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...
Product: Checking or savings account

I had an account at CITIBANK and on XX/XX/XXXX I received a transfer from XXXX XXXX  of {$270000.00} as a result of the sale of a house owned by me and my XXXX brothers. On XX/XX/XXXX, I made withdrawals for an amount of {$50000.00} and the bank decided to block my account. On XX/XX/XXXX, I received a letter telling me that the account was blocked due to an investigation. On XX/XX/XXXX, I received another letter telling me that they would definitely close my account and within a period of 30 to 60 days they would send me the funds remaining in the account to my postal address, which never happened, today it is already 90 days old. complete and they have not yet returned the funds that were left in my account. I have called the bank more than 70 times and they simply tell me that my account is closed. I have personally gone to the office and have shown them the legal documents that confirm and demonstrate the legality of the funds and they simply do not pay attention to me and tell me that the funds are in XXXX XXXX, but they do not explain to me how to claim them and it already seems to me It is an outrage that after 3 months of blocking and closing my account, they do not reserve the funds that I must distribute with my XXXX brothers since it is a family inheritance. I am a XXXX  citizen and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is why I have already had to travel 3 times for this issue and it has generated unnecessary expenses and I need help to resolve this problem with Citibank. CITIBANK has purely negative reviews on XXXX and apparently they are doing this to many clients and they keep working on the impounded money for months until they finally return it. It seems to me an insult to the client and the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

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