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

in accordance with the fair credit reporting act XXXX experian, and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a XXXX XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Debt collection

Date placed : XX/XX/2020 Amount : {$1200.00} Actions taken : Dispute was filled and the XXXX XXXX XXXX collection still shows on my credit report. Information still shows inaccurate collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX Bank XXXX XXXX Bank XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Square ( now called Block ) has devactivated my account and held onto funds since XX/XX/2022. They will not release my funds. I have been 'escalated ' at least four times to solve the problem, but to no avail.
Product: Credit reporting or other personal consumer reports

I had a mortgage with the XXXX XXXX XXXX XXXX. All payments were to be taken out automatically. XXXX failed to take one automatic payment. It affected my credit history with XXXX, XXXX and TransUnion. At my request, XXXX contacted the three reporting entities and to " make the necessary amendment to your credit profile. '' XXXX complied. XXXX and TransUnion did not. I initially lost XXXX points over this. It continues to show up on my credit reports from them. No problems with XXXX. They corrected the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

I have been Citibank customer for nearly 20 years. I held a checking account with Citi. Recently, in XX/XX/2022 I followed their promotion and opened a savings account. I deposited the required balance. I made several withdrawals from the account and also several deposits. At the beginning of XXXX, my savings account was blocked with no explanation. The online access to my checking account was blocked as well. However, the checking account was operational but I did not have any online access. I have been told that I will receive a check within the 3 months for the funds in my savings account. On XX/XX/2022, my checking was closed with no prior warning and no explanation. I found out only because two direct debits from this checking account to my credit cards were declined. I incurred late fees and interest because of this totaling up to {$100.00}. 
I received the check for the remaining funds from my checking account at the beginning of XXXX. I have not yet received the funds from my savings account totaling more than {$11000.00}. I went to the branch of Citibank. The staff was polite but they could not explain to me what is going on and the only way to find out was to call Citi. I called directly from the branch as otherwise, Citi did not even want to talk to me on the phone. I was transferred through several departments to the department that put a block on my account initially, but the person there could not tell me what is happening. He told me to call after 48 hours. I did call after 48 hours, but it was a similar result : several transfers and promises to send me the check within 50! days. This is after waiting for the funds for 3 months already. When I asked for a more detailed explanation, the person just handed up on me. I called Citi again to file the complaint, but even this was extremely difficult, I had to go through several departments. I am facing lost interest for about 5 month ( Citi did pay interest till XXXX, but it was extremely low relative to their competitors ). I think this behavior on behalf of Citi is extremely unprofessional and plain rude. Remember I was a customer for 20 years!
Product: Credit card

i disputed charges on my credit card XXXX. and over the last year chase took the money and gave it back XXXX in my favor several times ) its unknown if they collected the money from the merchant, or just found in my favor and returned it, but i was sent a letter from chase stating the decision was " permanent '' and the decision was rendered " final '' meanwhile while chase was making that decision in my favor, i chose to take the merchant to small claims court to recover my personal losses + the money chase bank had recharged me ( since this was a period when the put the charges back on my card ) by the time i actually went to court chase had rendered the decision above & refunded the money, therefore the judge in my case would not order the merchant to repay me, since i was not out money since chase found in my favor, however i was awarded {$2000.00} in consequential damages from my expenses involved in the case, the merchant was ordered to pay this to me, the merchant did pay me however they issued it in the form of a credit back on my original card, chase bank then saw this {$2000.00} refund from the merchant and took the money from me, i called to dispute the money telling chase bank that i could provide documentation that the money was awarded to me as consequential damages, i was asked to provide them copies of the court documents, i did, and chase reviewed them and returned the money to me, as short time later chase took the money from me again and refused to return it., this money had nothing to do with chase bank other then the merchant pulling a fast one and returning it on my credit card from nearly a year old transaction to avoid a credit card fee he was charged on the original transaction, as of today chase bank has taken {$2000.00} from me and added it to my balance and i am getting charged interest everyday, they will not discuss this matter when i call, even though they have found in my favor
Product: Credit reporting or other personal consumer reports

XX/XX/year>. I need my credit freeze lifted. I went to Equifax website and tried the user name and password I had written down. They did not work. Then I pressed the help icon and it offered for me to set up another account. I provided all the information on line and answered all the questions correctly. I was advised that a new account could not be set up on line and that I had to phone. By phone I was asked all the same personal information questions. Then I was asked about setting up a credit card on a specific date and the correct answer was none of the above. The automated voice then said to press * if I needed the question repeated and XXXX if I needed more time. Neither of these were correct so I waited for the automated service to move onto the next question and it would not do this. After repeating this several times, I finally managed to get through to a human representative. She asked me a large number of questions all of which I answered correctly then said she would send me message on the phone. I received a link by message on my phone. I pressed the link and received the message that this could not be done because I was not on a browser. I explained this to the representative and she did not understand and/or did not know what to do. I asked to speak to a supervisor and she said ok and I held for a long while and then she came back saying that I could not speak to a supervisor because I wasnt verified. She would send me a message on my phone again. This time no message came. I suggested she could try sending me an e-mail. She refused because I " was not verified. I asked again to speak to a supervisor and I held a long while and she came back stating that I could not speak to one because I " was not verified. I advised that I would attempt to get her terminated from her employment if I was not allowed to speak to a supervisor. She put me on hold again for a long time and then eventually hung up on me. The agent would only say her name was XXXX '' as far as identifying her to make a complaint. She did not provide any further identifying information. Her English was borderline and she obviously did not understand her job. 

This problem must be completely resolved. My credit freeze must be lifted as instructed. I must have an Equifax online account set up that works so I never have to phone Equifax again.
Product: Checking or savings account

I called HSBC Bank that {$14000.00} was drawn from my checking account fraudulently on XX/XX/18. While I was talking to them another {$12000.00} was drawn. I called again XX/XX/18 to find out status of my account and found out that the request for block and transfer of money back was never made. I called them again today and been hold for 75 mins and no answer.
Product: Debt collection

Dispute of Late Payment XXXX XXXX XXXX ( Account # XXXX ) Dear XXXX Team, I am writing to formally dispute the late payment reported for my account with XXXX XXXX XXXX, account number XXXX. While this account is marked as paid and closed, I have noticed that it reflects a derogatory late payment status of 60 days. 

**Points of Dispute : XXXX XXXX XXXXLate Payment Accuracy** : The record indicates a late payment status, with the last reported activity dated XX/XX/year>. I believe this late payment is inaccurate based on my payment history and the account being paid in full. I respectfully request verification of the alleged late payment, including any documentation that supports this claim. 

XXXX. XXXXImpact on XXXX XXXX : This late payment adversely affects my credit score and my ability to obtain favorable credit opportunities. Given that this account is closed and paid, it is my request that any negative reporting be reconsidered. 

XXXX. **Request for Investigation** : Under the Fair Credit Reporting Act, I request that you thoroughly investigate this matter. If you can not provide adequate verification for the late payment, please remove it from my credit report. 

Please send me written confirmation of the results of your investigation and any updates made to my credit report. 

Thank you for your attention to this matter.
Product: Mortgage

I signed for this mortgage in XX/XX/XXXX. I recently received an Annual Escrow Account Disclosure Statement informing me that my monthly payment will be increased by {$590.00}. After many calls and about hours spent trying to resolve this I was informed that there are no supervisors who will discuss this issue with me. 

When I signed for the loan I selected the terms of the loan based on the payment estimates I was given by PMRI. I was not told that this payment did not include my homeowners insurance. Apparently they neglected to collect for the mortgage insurance payment for 18 months which put me in a low escrow balance situation. They recently discovered this oversight and and are demanding that I repay the 'shortage ' in one year. 

I am a senior living on a fixed income. An increase of nearly {$600.00} per month will cause hardship. 

If they had quoted the proper payment amounts at the time of the loan origination I could have selected different terms. I did no have that opportunity due to their error. 

PRMI 's failure to notice that they were not collecting for the homeowners insurance should not have gone unnoticed for 18 months. Their poor financial controls are causing me unnecessary hardship. 

In addition, my homeowners insurance cost {$2400.00} which they paid on XX/XX/XXXX. But they are charging me for XXXX, which is {$380.00} more than the actual cost they paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted CapitalOne and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact Capital One and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information. 

A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute. 

I contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX. 

The issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.
Product: Checking or savings account

Someone opened a checking account with TD bank that is not me. I received a notice of my checking account in the mail from them. I contacted TD bank today ( XX/XX/22 ) and they said they would initiate an investigation. There is XXXX dollars in the account but I am guessing there is more to the story. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!