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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX : {$26000.00}
Product: Checking or savings account

Citibank stopped my checking account for no reason I've done my best effort to speak with Citibank 's fraud department but has gotten no reasonable answer so far. First, they did not even notify me about this account freezing. So my credit card payments and checks were all returned or rejected. Now I have to pay all the late fees and returned check fees. I realized my account was blocked because one of the credit card companies called and told my account was blocked. 

What's the best course of actions to reimburse this damage done by Citibank? The amount is not a lot, but I think this is completely unfair and they need to provide an answer why the account was blocked in the first place.
Product: Checking or savings account

JPM Chase bank is refusing to release {$12000.00} funds to my business checking account that was deposited on XX/XX/23, cleared the issuers bank ( XXXXXXXX XXXX ) and taken from the issuer 's account on XX/XX/23. Chase has restricted my account and refuses to release the check funds although it has been beyond 10 business day holding period. Chase bank has communicated that if the phone number verification condition is not cleared by the issuer of the check, they will hold the {$12000.00} for two years and then release to the state of Georgia as unclaimed funds. I have attempted to resolve this with Chase bank in person and on the phone. The chase branch manager has escalated the issue to upper leadership, however still no resolution. The check issuer 's bank- XXXX XXXX submitted a claw back on the check on XX/XX/23 so the issuer can receive the funds back and issue another check. However, as of XX/XX/23 Chase has not approved the request nor release the funds. The issuer of the check can not do a stop payment because the check cleared and Chase is holding the funds. That leaves me with no check, no XXXX and now fighting with Chase to get the funds released to me or the issuer. This has to be against the law as the check has cleared and Chase is simply holding the folds at their discretion. This has caused a huge interruption for my business operations. This is a brand new business and I need the funds to pay current operating cause. Please help!
Product: Credit reporting or other personal consumer reports

Dear XXXX I XXXX XXXX have written this letter to dispute claims that are falsley listed on my credit report with your bureau. The following hard inquiries should not be in on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing these claims due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that they removed immediately.
Product: Debt collection

Penfed credit union is false reporting to my credit reports XXXX, XXXX and XXXX that I am delinquent and is reporting false amounts that I did not owed. they are putting on my balance each missed month payment plus late fees charges to my visa credit card XXXX, XXXX for the months under declared disaster XXXX COVID 19 ( XXXX XXXX TO XX/XX/XXXX ), XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) and natural disasters and personal situation CAR ACCIDENT WITH PROPERTY LOSS DUE TO NATURAL DISASTER DISRUPTION XXXX AND XXXX. ( XXXX XXXX ). ALSO IN XX/XX/XXXX they closed my XXXX XXXX credit card XXXX without my concern, without my authorization and without previous notification and transferred the credit card balance to new visa credit card XXXX, after I used my XXXX during a trip to XXXX and because I make an claim for not service received and change location for my own safety. They continuously makes calls, sent emails, sent letters and denied me a consolidation loan for my credit cards because they said the accounts will be closed, and I applied XX/XX/XXXX because they are charging if i have a loan of {$20000.00} instead of {$10000.00} in monthly payments where I am paying the double amount for credit cards. But was not the real reason they want to let the accounts open to charged monthly payments and late fees over the credit limit and damaged my credit report, they also threatened me that my credit report will be impacted and I was not employed with FEMA and XXXX XXXX XXXX XXXX last year because the credit report, where under CARES act they banking institution and credit union institution supposed to not report that, neither told me that I am delinquent and with inaccurate delinquent amount. They closed the accounts recently when threatened me to send the accounts to debt collection agency by letter, and I can't used it since XX/XX/XXXX, they did not allowed any more charges over the credit limit of {$5000.00}. And they denied me a car accident loss property replacement transportation auto loan against my rights to continued with a replacement transportation after my property loss in the car accident, that was not my fault, it was an attempt to my life, where the truck is completed stop in the expressway very early morning at XXXX and there no illumination in the road. They obligated me to submit a hardship application and they took the money of my account without my concern and without authorization last XX/XX/XXXX, and they tried to take the third stimulus amount received to cover credit cards missed payments under Covid19 disaster XXXX in a predatory action against me.
Product: Credit reporting or other personal consumer reports

I am respectfully writing you to dispute the XXXX  listed on my credit report. I have a letter from the court verifying that this XXXX  must not be disclosed. Moreover, an unapproved external party is included, which complicates this issue further.
Product: Credit card

Scammed numerous times on account pay-ins. Bank fraud informed me they froze my account on the first transaction paid in, but yet allowed numerous payments to be paid in even tho knowing they'd return.
Product: Debt collection

I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.
Product: Credit card or prepaid card

I received a credit alert on my credit journey that I have on my chase credit card. There was a new credit inquiry on XX/XX/23 from lender : COMENITYCB/XXXX XXXXXXXX XXXX I contacted comenitycbXXXX XXXX and was told someone filled out an application to open a new credit card with my name and social security number as well as an old home address. I informed comenity that I did not apply for a credit card with them. They cancelled the application for the credit card and directed me to contact all credit bureaus to report the fraud.
Product: Credit reporting or other personal consumer reports

I was sent a credit card by Citibank AAdvantage card on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

Citi was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by them.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX veteran and have been called to XXXX XXXX with the XXXX XXXX XXXX for a period of at least six months. Because this period of XXXX XXXX will exceed 30 days, I contacted all financial institutions I have credit accounts with to request my protections under the XXXX XXXX XXXX XXXX. I had no problem receiving these protections from any financial institution I do business with, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. Avant gave me constant pushback about my documentation. I provided exactly what the XXXX provided me, letting me know I report for XXXX XXXX to XXXX XXXX on XX/XX/2021 through at least XX/XX/2021 and then to XXXX XXXX after that. I provided my XXXX ID. XXXX constantly wouldn't answer my requests for days and then would send canned responses saying my documentation straight from the XXXX is not good enough, even though it clearly states exactly when I am to report and for what reasons. I have never been treated like this by another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  XXXX  account number ending in XXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 card or prepaid card

I asked my bank why they were charging me interest charges on a secured credit card of mine, cause the credit line on my card is money I put in there trust because I had bad credit.I was told that I would only have to pay a annual member fee charge.I put {$1000.00} dollars for a secured credit line of my money so I could start a credit history.The thing that really worried me was last month I never used, are charged anything on my credit card and they charged me a {$11.00} interest charge on purchases made? When I ask them why they told me it was in the fine print that I agreed to, ( I NEVER SEEN THAT ARE TOLD THAT ) .I also notice that my credit line is charge a interest charge every time I use the credit card to buy something.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to harm my credit standing and financial reputation without cause. 

I submitted a complaint dated XX/XX/2019 outlining all of the issues : " My complaint with Experian Credit Reporting is their irrational and inexplicable XXXX scoring which manifests in whiplash changes up and down : unjustified significant negative point swings, inconsistent negative/positive point swings, lack of logical justification for negative point swings reductions in scoring for high outstanding credit balances while they send me offers to apply for new credit cards that will only increase the credit balances already criticized. '' My score went to Good from Poor Now in a matter of recent days, they dropped my score XXXX points when my credit history has only improved. 

They dropped it from Good to Fair. from XXXX to XXXX without justification. My credit balances continue to decrease, my revolving debt is {$700.00} with XXXX XXXX. My installment account, XXXX XXXX is down {$2500.00} and my mortgages are current. I just got a new account for carpet for one of my rentals with XXXX. This is all POSITIVE - all good indicators that I am trusted and that I am dilligent in reducing my revolving to extremely low levels. XXXX XXXX, XXXX XXXX and XXXX XXXX are all PAID OFF. The 12 % revolving debt is OVERSTATED. 

Experian should be insisting that creditor relationships update their records daily. The balance on XXXX XXXX is WRONG. It has been paid in full for over a month. Also they are not showing the reduction with XXXX XXXX. But they show when the mortgage has been reducing. 

I am of the belief that Experian is retaliating against me for filing a CFPB complaint. 

I am urging CFPB to forward this complaint record to the Federal Trade Commission. 

Experian should not be allowed to conduct business and hurt good consumers who are working hard to have a positive credit standing. 

THIS IS TOTALLY UNACCEPTABLE. 

Experian needs to be sanctioned, sued - there is no excuse for this treatment to an American consumer as they play XXXX with my life. 

Shame on them! 

This is a disgrace. 

I would like to see all the Experian employees credit scores, I bet they manipulate their files to XXXX. 

XXXX  has me at XXXX XXXX at XXXX There is something serious wrong here with Experian and their processes, logic, and business rules. This is discriminatory, defamatory, and need to be stopped.
Product: Debt collection

I received call from XXXX both myself and my wife phones I did not answer so they called her she did answer. 
Company claims to be XXXX XXXX XXXX, which I found has cease and desist orders previously iXXXX XXXX XXXX XXXX 
They sent me via email a validation of debt order older than 20 yrs from CITI Financial, ( XXXX XXXX 's contact tel XXXX ) which I also believe is no longer in XXXX has an account # XXXX and a XXXX debt listed XXXX settle for {$2000.00} only within 48hs, it also contains my complete SS XXXX XXXX address, They also claim to have sent me a mailed notice in XXXX I never received.
Product: Credit card or prepaid card

I joined a startup company in XX/XX/XXXX as an XXXX. In XX/XX/XXXX I was asked by the CFO and CEO to open a corporate credit card, I chose the American Express Small Business Card and opened in the Company 's name. In XX/XX/XXXX, the company ran out of money and ceased making payments on the credit card. In XX/XX/XXXX I received a call from American Express regarding the outstanding balance of {$160000.00}, which I was aware of. However, on that phone call they informed me that I was personally liable for the entire amount. <P/>Again, I was not an officer of the company, but was just an XXXX that was asked to open a corporate credit card, which I did. I had no idea that I was personally guaranteeing the company 's credit card and that it would affect my personal credit and also potentially force me to cover the entire amount.
Product: Credit reporting or other personal consumer reports

I was a victim of my information being exposed in the lextingtin law law suit people were using my information and sccounrs
Product: Credit reporting, credit repair services, or other personal consumer reports

in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights
Product: Credit reporting or other personal consumer reports

Heres my account of what happened, based on the letter I submitted : I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws that directly affected my credit report and personal information. These issues include : Willful Noncompliance with FCRA ( 616 ) : The credit reporting agencies failed to verify the accuracy of information submitted about me before reporting it. This negligence constitutes willful noncompliance, which can lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of having my personal information shared. This omission violates my rights as a consumer under the FCRA.

Furnishing Inaccurate Information ( 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were added to my credit report without proper validation. This misrepresentation is not only deceptive but also undermines the integrity of my credit profile.

Violations Under the Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors engaged in unfair and harassing practices by reporting unverifiable debts. Additionally, they contacted third-party credit reporting agencies claiming I owed debts without proper proof, which violates regulations that prohibit the disclosure of such information to third parties.

Reporting Late Payments Without Clarity : My credit report shows " late payments, '' but the criteria for what constitutes a late payment were not clearly defined, making this information both inaccurate and misleading.

Unauthorized Hard Inquiry ( 1681b ( a ) ( 2 ) ) : A hard inquiry from XXXX was placed on my report without my written consent, violating permissible purposes for accessing consumer reports. 

Errors in Personal Information : My credit report contains incorrect personal details, including addresses I have never lived at or no longer reside at. 

Given these issues, I demanded the following resolutions : Immediate deletion of incorrect addresses ( e.g., XXXX XXXX and XXXX XXXX XXXX XXXX ). 
Validation or removal of disputed debts ( e.g., XXXX  ) in accordance with 1692g, requiring proof of debt ownership and legal authority to collect. 
Removal of the unauthorized hard inquiry from XXXX. 
A comprehensive review and removal of all inaccurate or unverifiable accounts. 
These violations have caused me significant distress and undermined my financial stability. If not resolved promptly, I intend to pursue my rights under FCRA and FDCPA, including potential legal action for damages under 616.
Product: Debt collection

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. 

Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX.  XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer,  XXXX XXXX
Product: Debt collection

FROST- ARNETT is the collection agency. we have asked them 3 times to send us detail information on 2 accounts they are trying to collected. we asked for complete address of the customers and a detail bill for both medical bills. 
we have also asked if our insurance has made payments on these bills : XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX XXXX XXXX. {$510.00} We made these request by telephone and in writing certified mailing. 
They have made no effort to correct this problem.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information. 

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that the credit agency complies with the law. Specifically, I request the following actions be taken : Enforce obligation to remove the inaccurate accounts from my credit report, as required by 15 U.S. Code 1681s-2. Be held accountable for their failure to respond to my letter within the mandated 30-day timeframe. It is crucial to protect consumers ' rights and ensure the accuracy and fairness of credit reporting.