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

My payroll check was deposited on XX/XX/year> with an initial one until the next business day, on the day the hold was to be released it was extended to XX/XX/year>. It seems like this policy is not compliant with 12 CFR 229 " Availability of Funds and Collection of Checks ( Regulation CC ) ''
Product: Credit card or prepaid card

My American Express Serve account was locked or " permanently suspended '' due to " activity that violates the terms of the Consumer Use Agreement ''. I received an email informing me of this on XX/XX/2022, several days after the account was actually locked. The email gives a XXXX XXXX XXXX for me to write to if I have questions. I have called the XXXX line several times. Yesterday I was on hold for 30 minutes and gave up. Today I was on hold for an hour, briefly got through to someone and the line disconnected. I have no way to access the money that is in the account and seemingly, no one I can speak to about it. I feel like Amex has just robbed me of my money and I have no recourse. There was a little over {$200.00} in the account, money that I really, really need access to and I can't get it.
Product: Vehicle loan or lease

I have co-sign for a vehicle for some one and the person ran off i called credit Acceptance and explain to them on what's going on they ignore my complaint they have not take any action that i ask of them for but still they still harassing me about they money this matter been going on for 2 years now my credit is getting screwed i can't move on with my life it's stopping me from getting a mortgage and an apartment
Product: Credit reporting or other personal consumer reports

This account was deleted and added back this account need to be blocked I am writing TransUnion and Experian to delete certain credit accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days if tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) The unauthorized credit This account were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this be removed and blocked them from my credit report
Product: Debt collection

I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my XXXX  number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the XXXX ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company XXXX XXXX XXXX continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this XXXX XXXX is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am I writing in regards to inquiries on my report that I did not authorize.
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.

Account name : # 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
Product: Credit reporting or other personal consumer reports

Someone tried to get credit cards under my name, I tried to put a credit freeze with TransUnion and they keep blocking it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a formal dispute letter was sent to American Express demanding the removal of an inaccurate 30-day late payment notation from XX/XX/XXXX that was reported on the account. The letter cited rights under the Fair Credit Reporting Act ( FCRA ) and requested a thorough investigation, removal of the late payment from credit reports if unverifiable, and written confirmation upon completion. 
On XX/XX/XXXX, American Express responded stating the address on the original correspondence did not match their records, requesting additional information be provided by calling their number. 
On XX/XX/XXXX, a follow-up dispute letter was sent reiterating the request to investigate and remove the inaccurate XX/XX/XXXX late payment from credit reports for the account. It requested all future correspondence be sent to a provided email address instead of the previous mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint, this complaint is due to the new fraud items on my report. I'm not using any third party for this matter. 
I'm victim of identity theft, someone has applied on my behalf for credits, these I have never authorized : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Please remove these fraud items from my report as soon as possible.
Product: Debt collection

On Friday, XXXX XXXX, I recieved a phone call from a company called XXXX XXXX, XXXX XXXX from XXXX XXXX proceeded to tell me that my husband and I owed over {$5000.00} on a payday loan account from Castle Payday that was originally {$600.00}. 
I asked him to send us a letter for verification and the right to dispute and he told me that his client does not work that way, that I would need to call or go online to verify the information with Castle Payday. In the same conversation, I told him 2 times, my husband is not allowed to receive personal business phone calls at his office and cell phone that is issued by his employer. 
This morning, XXXX XXXX, 2015, he called both work numbers for XXXX, my husband. My husband proceeded to tell him he is not to call either of those numbers again. 
When XXXX asked for the same information in writing, XXXX XXXX told XXXX he sent it 45 days ago?? He told me when I spoke to him on Friday that I would have to do the verification by calling the creditor because they dont send out the letters in writing. Which is statement is true?? 
This company has violated our rights in multiple ways and conitnues to call but we have no notice of our right to dispute in writing. I have given XXXX XXXX the appropriate phone number and mailing address to use in order to contact us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about my online account view noting the balance for the previous period was XXXX and the minimum payment due by XX/XX/XXXX was XXXX. The first agent advised there was no balance for the previous month, but if I wanted to pay {$27.00} I could. Confused, I questioned her logic in terms of making a payment on an account that had no balance. Mysteriously the line disconnected. 

I called back and requested a supervisor. After going through this a second time, he advised no payment was due for XX/XX/XXXX, but if I wanted to make a payment I could. 

Today, I receive a message from XXXX stating my payment is one day late. After calling a third time and waiting 10 minutes on hold, the gentleman came back to the line and stated the issue was related to a computer error ; however, my battery died and the call dropped. I called back later this evening and spoke with a supervisor named XXXX who stated my account had been transferred " another department. '' I pay this account in full every month. I do not deserve this type of treatment and I will end this relationship with XXXX.
Product: Credit card

XXXX XXXX XXXX restaurant bill was {$160.00}. Of this amount {$33.00} was paid by gift card with receipt provided to US bank credit card ending in XXXX. The net amount of {$120.00} was charged to US bank plus tips of {$26.00} = {$150.00} with receipt showing signature was provided to US bank credit card dispute web submission. 

XXXX XXXX XXXX charged {$180.00} to my US bank credit card. I called the merchant and got hung up after long wait. On XX/XX/XXXX, I filed dispute with US bank for the {$33.00} which they already gotten paid from gift card plus rescind the tips as they had nullified the tips provision by adding another {$60.00} ( $ XXXX XXXX ). 

On XX/XX/XXXX, I called the rep XXXX and authorized my wife to go over the details which she wrote up as supporting and stated it should support the credit of overcharge and in no case can a merchant charge more that what I signed for of {$150.00}. 

On XX/XX/XXXX, US bank responded on they were not able to help for the incorrect amount as a resolution. I called the rep XXXX XX/XX/XXXX agreed that the receipts are sufficient and will reopen the case. 

On XX/XX/XXXX, talked to XXXX ( not sure of name spelling ), she agreed it should not be charged ; she reopened the case and stated that the credit will be posted in XXXX  days or so. 

On XX/XX/XXXX, US bank responded again stating that " There is insufficient information supplied to support your claim of incorrect amount. For further resolution to this matter please contact the merchant directly. '' See letters and supporting. 

US bank in no case can allow merchant to charge for than what I signed for. At the very least, they need to credit me back {$33.00} - amount paid by my wife under her gift card with the same check number, table number and clear partial approval on the {$33.00}.
Product: Mortgage

I contacted Chase Mortgage company to report I would have a difficult time paying my mortgage for that month due to family medical issues. There web site says contact us if you are going to have problems paying your payments so that they can help. When I called I was told there is no program for a person missing one payment and that it would hurt my credit but would not cause me to lose my house if I worked on paying it back. Due to the ongoing medical issue I was unable to make the XX/XX/XXXX payment and I called again, they said they could help once I fill out a packet they were going to send me and that I could lose my home if it 's not paid in 5 months. I got the packet and it was so overwhelming I thought I was buying a house all over again, not user friendly and for a man who 's wife has been in and out of the hospital during the course of this process it was next to impossible for me to get this done when I count on my wife to do this stuff for me when I 'm at work. So I have filled to have a chunk of my retirement released from a XXXX plan, I have since been trying to pay my XX/XX/XXXX mortgage payment and the first time on XX/XX/XXXX they provide a confirmation number and said it would be taken out. After about 5 days and the money not coming out I call to find out what happened and they told me it was returned for NSF but there is no indication of that on my account and the money was in the account, another payment was scheduled with conformation number XXXX, this payment did n't come out I called back and set up another after complaining that I feel my bank is setting me up to lose my home they assured me that 's not the case and that the money would come out XX/XX/XXXX confirmation number XXXX this money still has not come out of our account. I get a letter on XX/XX/XXXX stating that if I do n't pay my outstanding balance by XXXX that they will start the foreclosure process. I 'm doing everything I can to make this right and have tried from the day I found out I would n't be able to pay my mortgage payment, I am a professional who is employed with the same employer for 2 years and make XXXX a year I just need some help for the family issue we had. I owe the money and any penalties that go with that but I need to be able to work something out.
Product: Debt collection

I never signed up or contracted with t-mobile or amsher collection services, I called XXXX and informed them of the fraudulent acccount and they failed to correct this or provide me a copy of any signed contract for service, this is completely fraudulent aMSHER COLLECTION SERVICES Original Creditor Name XXXX XXXX Date Assigned XX/XX/year> Original Amount Owed {$110.00} Amount {$110.00} Status Date XXXX XXXX, XXXX Status UNPAID
Product: Debt collection

Company is called Credit Corp Solutions. They are out of Utah. They keep calling me from local area codes ( same area code as my phone number ). The never leave any sort of message. The phone numbers, when searched, do not provide any details of the caller. Most people receive many spam calls, the calls from this company appear to be spam calls as the are 1. ) not from a " business-like '' phone number, e.g. phone number ending in XXXX or with repeating ending digits ; 2. ) they do not leave a voice message ; 3. ) phone calls keep coming from different numbers. I do not answer these calls as they appear to be spam. 

I contacted a number from a missed call 3-5 times. I asked who they were. They mumbled something inaudible or told me " they deal with personal business matters. '' I specifically asked over and over and over again if they are a collection company/agency, etc. They REFUSED to admit that they are a collection agency. " We handle a variety of personal business matters. '' Asked again if they are debt collector, got another deceptive response, asked again, and again. Last call to them, I asked about 6 times, got 6 different answers until they finally said that they are a debt collector. 

No one at any point said to me " this is an attempt to collect a debt, any information obtained may be used for that purpose. '' They repeatedly asked my name and tried to get me to tell them my name. 

I told them " I had a medical bill, and the only one who would be calling me would be someone collecting a medical bill, are you a debt collector? '' They responded by again asking my name and trying to get me to verify my name and telling me they handle many different personal matters. 

I think that their phone behavior in refusing to admit the name of the company, refusing to admit that they are a debt collector, refusing to disclose that they are trying to collect a debt, telling me on the phone on 5 separate calls that they handle " personal business matters, '' and repeatedly trying to verify my identity is deceptive.
Product: Credit reporting or other personal consumer reports

These attached accounts have been disputed XXXX and this has yet to be resolved, please resolve this matter. 


XXXX XXXX - XXXX XXXX account is positive and has been disputed multiple times. Equifax has yet to update. 
XXXX  XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX Account legally paid in full for less than the full balance. Account legally paid in full for less than the full balance. 
XXXX XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX well over 7 years reporting. 
XXXX - XXXX Account reporting well over 7 years. 
XXXX - XXXX account reporting inaccurate. 
XXXX - XXXX reporting inaccurate. 
The following inquiries : These inquiries are unknown and have been disputed multiple times, XXXX XXXXXXXX XXXX  XXXX unknown XXXX unknown
Product: Mortgage

XX/XX/2021, XXXX XXXX  : Loan # XXXX Lender : Selene Finance Agent Name : XXXX stated that my loan was approved for a loan modification but never received any paperwork I have asked many times to have it sent to me, they advised that they couldn't because I declined it I stated that was never offered to me I did ask for the recorded call. Right now all I want is for the loan assistance
Product: Credit reporting or other personal consumer reports

Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX  are reporting as negative non payments on my credit even though the accounts are closed. 

XXXX in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. XXXX XXXX account number : XXXX, balance : {$14000.00} Date Opened : XX/XX/year>. I have no knowledge nor did i give authorization to this company.
Product: Credit reporting or other personal consumer reports

stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. XXXX
Product: Credit card or prepaid card

In XXXX of 2016 I contacted XXXX to ask about finance charges and let them know I was about to be out of work due to a XXXX. I have since contacted them 10 times, either via direct mail or email. I first offered to pay off the amount in full but I had just found out they raised the interest and the intro rate had expired. I wanted that taken off and I would pay the balance. They never responded. I wrote two more times before they responded with a rejection of my offer but. I response to being out. They wrote a letter finally in XX/XX/XXXX but I specifically requested it be handled via mail to insure accuracy. They have never responded now my credit is hurt because of it and they still have not addressed that I have been out on a XXXX 's XXXX injury since XX/XX/XXXX and have not made payment arrangements.
Product: Checking or savings account

In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, XXXX. account ending in XXXX regarding fraudulent charges. The Claim Number assigned by Wells Fargo was XXXX. The amount disputed was for {$1000.00}. A provisional credit was provided on XX/XX/XXXX. In XXXX, I received a letter that they were investigating the fraud claim to which I responded by providing them evidence of the fraud. I received no further communication from Wells Fargo. When more than XXXX days passed, I assumed they had found in my favor. Then, XXXX months after filing the complaint ( well in excess of XXXX days from when I filed the complaint ) on XX/XX/XXXX, the {$1000.00} was withdrawn from my Wells Fargo Bank account with no notice ahead of time to me. They money was just simply gone! I was given no explanation for why this happened or even notice that they were going to debit my account for the {$1000.00}. I never even received notice that they had concluded their investigation. I believe this is a violation of several laws including the Fair Credit Billing Act. They are required under that law to investigate the claim within XXXX  days and if they do not have a finding by that date, the provision credit becomes permanent. This is what should have happened with me and it did not. Instead, they violated the law by taking back the money in excess of XXXX days from when I filed the claim and failing to give me adequate notice that they were going to do this and of the results of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a Freeze on my Credit Report with Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX, phone : ( XXXX ) XXXX. 

On XX/XX/2019 I was notified by XXXX XXXX XXXX c/o XXXX.XXXX XXXX XXXX that according with Clarity Services credit report released from their files, my application for a loan could not be approved. 

I am very upset about Clarity Services for not enforcing my request to Freeze my account as previously requested. Clarity Services released a negative report. 

I have my credit report open with 3 credit report bureaus and I don't permit other credit report services such as, Clarity Services, to release my credit information. 

For the record, there is no any negative information about my financial records. I have been approved by other lenders. Consequently, Clarity Services action is unacceptable.