23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recieved payment from CA XXXX XXXX XXXX XXXX. Deposited it into my Chase checking account. First was advised 3 day hold, then it went to 5, then 7-10, now it is at 21 days and they are telling me the hold is indefinatley. They are trying to verify the validity of the check, but say they have no contact number for the writer, who also happens to be a Chase customer. The rent relief program advised me the check cleared their accountXX/XX/2021, and that Chase has had the funds since then. Chase wont accept any documents from me ( award letter, email conversations between myself and writer, copy of canceled check ) and have told me too bad they can do what they want when they want and dont have to give me a reason, read the fine print. In the mean time i was required to pay my landlord with these funds within 14 days of recieving them to prevent eviction and i am unable to because they bank wont release them. So now im facing eviction.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I have disputed on XXXX and XXXX for fraudulent card opened in my name for XXXX on XXXX XXXX and XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Product: Credit card

The supervisor XXXX and the rep XXXX a at Citi dispute center are unprofessional, incompetent, lazy cause they dont want to look for any into, they want everything provided to them each time and its a complete waste of time dealing with them. 
The attached disputes need to be remove from my statement They do from food that had health risk as per the Florida department of health to cramming charges that I did not agreed when renting a car. 
How is it possible that citi is allowing these fraudulent charges knowing that the people working at the dispute center dont do their work? This needs to be investigated. They purposely delay claims, until the point that the customer will get fustrated and tired or simply will forget about the dispute. That is fraudulent activity that Citi is allowing. Additional complaints with the Florida State attorney will be filed if these issues are not fixed a week from today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. While I was in the process of purchasing a new car. I had a existing pre-approval from my bank ( XXXX XXXX ) before I traveled to the dealership planning to go through my bank. Due to work, I had to leave early so I put a deposit on the car to hold it until the next day along with filling out a small amount of warranty paperwork. Later that night, I noticed my credit was pulled from multiple lenders on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. Due to the urgency, demand and distance from the dealership, I felt stuck with the auto loan provided by them, along with a 2k price markup that I was unaware of until the final paperwork. Within a month I refinanced the loan with my bank in XXXX. Shortly after, I called XXXX to dispute the inquires, after my contact with the dealership went silent. Since the dealership is 3 hours away I wasnt able to go in person. 

Another hard inquiry I noticed. On XX/XX/2021, After opening a checking and savings account with XXXX XXXX I was never made aware it would involve a hard pull Ive never heard of a hard pull for a bank account so I talked to a couple people at the bank but was just convinced it was normal. I try disputing this inquiry online through Transunion but with no avail.
Product: Credit card or prepaid card

I opened a Discover account in XXXX. I had a single late payment ( not 30+ days late ), and they closed my account in XXXX. The account was open for around 12-13 months at the maximum. Discover sent me a notice saying that they were closing my account in XXXX. At that time, I submitted a complaint and did not receive a satisfactory response. Fast forward to today, and I filled out a " pre approval '' form for a Discover account. I received a message that my approval was denied due to the " status '' of a current or previous account. Knowing that my account was never seriously delinquent and was paid in full, I messaged Discover to see if I could figure out the issue.

After over one hour chatting with Discover, I was told that my account status reflected a 148 day past due status. That is simply not true, and there is something in their records that is factually accurate. The chat representative refused to take my complaint, refused to escalate me to anyone else, and disconnected the chat without resolution.

Specifically, I need to know why my account reflects a 148 day past due status when I was never even close to 30 days past due. I also would like to know why I have been declined for credit incorrectly.
Product: Mortgage

We had disputes about how AIM Loan handled our escrow accounts ( XXXX houses with them at the time ). They made double payments for our property taxes. As a result, we had access payment on our escrow account which they refunded to us ( {$5800.00} ) and closed our escrows. We misplaced the checks and called them on XX/XX/XXXX to reissue them. Today as of XX/XX/XXXX, we have not received them. 

Below are our attempts to contact them with no solution. 

Called on XX/XX/XXXX XXXX PM The normal timeline is XXXX days from XX/XX/XXXX Called on XX/XX/XXXX at XXXX AM They saw the request is still pending. Will accelerate. XXXX XXXX business days to cut the check. 

Called XXXX/XXXX/XXXX XXXX PM XXXX XXXX status > Still pending but will escalate 10 days. XXXX XXXX is there. 

Called XX/XX/XXXX XXXX PM Check Status > Refund checks should be ok regardless of a new servicer Called on XX/XX/XXXX at XXXX PM Still in process, recently escalated. 
XXXX ( supervisor in the cust svc dept ) will rush the checks & follow up call back with the request. 
Promised to call back on XX/XX/XXXX, at XXXX PM around this time from number XXXX but never heard from them. 

Called XXXX Customer Service Department on XX/XX/XXXX, at XXXX AM Tried to speak with XXXX XXXX with XXXX. She looked at the history XXXX sent an email 2 days ago. Will follow up with XXXX and then call me back. Will try to find out what took so long. The confirmed total amount for the check : XXXX of them : {$3000.00} + {$2700.00} + {$16.00}. 

As of XX/XX/XXXX Never heard back from either XXXX or XXXX.
Product: Credit card or prepaid card

This is in reference to the previous case of XXXX that you just closed! 

Why did you close this without requiring that Capital One provide evidence that I was responsible for the charge? 

I can't believe that a federal agency named for protecting the consumer would simply believe a credit card company without them providing a single shred of evidence that I was responsible for the charge! 

What is the value of your organization if you simple accept at face value the word of the credit card company without them providing any evidence that I made the charge?
Product: Credit reporting

I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through XXXX with no closing date yet last reported on XX/XX/XXXX. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through Transunion and XXXX that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.
Product: Credit reporting

I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXXXXXX Amount : {$1400.00}
Product: Credit reporting

Chase has been mishandling bills for all my accounts. Chase has changed my address with out my authorization and consent for XXXX account and has failed to change my billing address for another account despite several request and this has now effected my credit score as we moved from that location and were not able to receive the bills. Please see attached documents.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. This creator has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that
Product: Credit reporting, credit repair services, or other personal consumer reports

The is in relation to the recent Equifax security breach in XXXX  2017.
My complaint includes the following items : 1. Equifax improperly used my personal credit information that allowed data leak 2. When attempting to check for the impact using https : //www.equifaxsecurity2017.com website they appear to be giving random answers, for example, I submitted the same information twice and once got " not affected '' answer and the other one resulted in " might have been affected '' answer. Both inquiries have been placed on XXXX XXXX, 2017.
3. Equifax failed to notify me about the breach ( even though they have my up to date contact information ) and I had to find out from news sources.
Product: Debt collection

I obtained a loan from XXXX in the amount of {$600.00}. I was making payments to them and unfortunately I had to close my bank account. XXXX sent my file over to a collection agency that is called Westwood. They threatened to take me to Jail, to sue me and to file legal action against me. When i asked the representative at XXXX to email me my file so I can review it he told me to shut my mouth. XXXX also contacted a family member of mine and left a voicemail disclosing personal information regarding my debt. When I told the representative they are not allowed to do that he told me they are going to take me to court and im going to lose and he is going to take the money from me. He refused to give me the companies business license and refused to provide me an address for their business. I dont have an issue paying my debt off, but I will not be threatened and harassed.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Checking or savings account

Netspend closed my account in XXXX with {$3800.00} left in my account, Ive been dealing with them trying to to release my funds but they wont release my funds to me because they said I need a XXXX form, I got my lender to send it and they still refuse to release my funds and I been dealing with this for months.
Product: Checking or savings account

I am writing to request your assistance in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX XXXX so this complaint is specific to PNC-my bank and where the checking account involved resides. My intention in contacting the CFPB is to motivate PNC to respond. I also imagine I am not the only consumer waiting on a response from PNC ( or XXXX XXXX ). 

I was a victim of mail check fraud in XXXX, XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my PNC bank account. Per PNC, they are still waiting to hear from XXXX XXXX, the recipient bank that cashed my fraudulently altered check and, since XXXX XXXX does not have any real presence in Ohio, this is further complicating the timely resolution of my case, per PNC. I have also been told by PNC that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per PNC policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of PNC 's request for information and filing of XXXX Police and Inspector General reports and within the 20 days required timeframe and all of these documents have been provided to PNC last year. 

It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at PNC has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved XXXX XXXX to respond to PNC. My request is full restoration of my funds with interest by XX/XX/XXXX, which, as I understand it, requires XXXX XXXX to respond and work with PNC. The PNC reference number for my case is XXXX. The checking account # is XXXX. 

In addition, it appears expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds and advising consumers where/how to complain appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting PNC.
Product: Debt collection

I have asked Jefferson Capital Systems to stop contacting me via phone several times. I requested to only be contacted by mail however they repeatedly call. They over talk me and attempt to belittle me. This is not an effective method of trying to get someone to pay a debt. This is illegal and Im getting extremely tired of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX ) XXXX Inquiry Date : XXXX. XXXX, XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to per 15 USC 1681 I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER 15 USC 1681XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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
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 1981XXXX 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 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 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, 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 inaccurat
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Honda Financial Services ( HFS ) agreed to withdraw one late payment that was reported in XXXX which I believe was in error. The XX/XX/XXXX late payment was promised to be removed from all the bureaus. It was not. Their agreement to remove this late reported payment was a lie. This is fraud. I am attaching their letter. I have asked yet again that they remove it and that a {$200.00} credit be issued to the principal balance of the loan. This is because the only insane number of times I have had no contact them to fix the smallest of issues. I am reporting this to other government agencies because I feel if I don't, they will not keep their word. I am only attaching one of the three bureaus report as they all show the same payment reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : {$6900.00} Date of Account : XX/XX/XXXX