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

XX/XX/XXXX Deposit made after XXXX XXXX  at ATM for {$3300.00} - {$220.00} immediately available. Called bank about hold time, and funds were to be released XX/XX/XXXX. 
XXXX fund not released, no notification of extra hold given to me. Will not release until XX/XX/XXXX. Was told by chat agent to call in. Called bank and was told Fed returned the check unpaid. Escalated to a manager who said Safety had extended the hold that it had been returned by the Fed as unpaid. 
XX/XX/XXXX afternoon - received confirmation from issuer that check was not returned and was being processed. Provided information to the bank. Was told it had not cleared yet and if it being cleared could be verified they would release funds. 
XX/XX/XXXX evening was called by issuer and informed that XXXX XXXX had cleared the funds. 
XX/XX/XXXX - called NFCU and they refused to release funds. Will not release until XX/XX/XXXX NFCU availability policy is 5 business days from acceptance of deposit. I was told repeatedly when it showed cleared by XXXX XXXX these funds would be released. 

Paperwork provided is by issuer of check. Despite repeated requests for copies of hold notification or reason for additional hold from Navy Federal Credit Union not a single piece of information was provided. Even when told I would be emailed a copy nothing was sent.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency has been reporting alleged accounts to my consumer report
Product: Credit reporting or other personal consumer reports

I recently XXXX a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frommy report, they are hurting my ability to obtain credit.
Product: Credit card

I APPLIED FOR XXXXXXXX XXXX XXXX business credit card, i was denied and due to lack of credit. The company is fairly new but has a lot of revenue. I offered to provide bank statements to show revenue. The option was declined.
Product: Checking or savings account

My account was jacked. All my info changed. They transferred all the money from my credit builder into my checking and then stole it.
Product: Checking or savings account

I signed up for Money Lion in hopes of fixing my credit with their service, so what they do is put you in debt for {$500.00} and you pay back the loan, once the loan is paid they put the money that you paid into an escrow account, here is where things are starting to upset me. Youre in enrolled into a membership agreement where you pay {$9.00} every 2 weeks, once that membership is paid then you can get back the money from the escrow. According to the customer agreement you can pay by a bank routing number or debit/credit card, if you use the card payment way the money the membership is paid right away, but for the last 3 months that system has been down and the engineers are always working on it. I paid the membership on XX/XX/2019 and have been wanting to cancel my membership and get back my money from the escrow account but I cant get it because according to them the money that was withdrawn will not clear until XX/XX/XXXX and thats when the next payment is due which means I have to pay another {$9.00}. Their system and the way they handle this is outrageous and it takes over 30 minutes just to speak to a rep or they will call you the next day.
Product: Credit card or prepaid card

I moved suddenly during the pandemic I update my address with the creditor ad bills were not sent to this address. The creditor is aware of this and sent out the bills to the correct address but marked my account 30- days late even though I did not receive a bill. My account has never been late and had a XXXX balance for a long time. Please update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities. 
Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.
Product: Checking or savings account

I decided to participate in SoFi 's " check your rate '' campaign. The rules of the campaign were to fill an application to the point of being able to get a rate quote ( soft credit pull ) but no requirement for a hard credit pull and to have an account with SoFi to have the promotional funds deposited. After 10 days, the company was to deposit the funds into your SoFi checking account. I completed everything required on XXXX XXXX but did not receive any funds. On XX/XX/XXXX I reached out to SoFi and spoke with one representative that said they did see the rate check but would have to connect me with a loan representative but then ended the assistance session without connecting me further. Once I got the second representative, they told me I must not have qualified for the promotion although I read the fine print on the promotion and was very particular about following all requirements of the promotion. The customer service rep offered no further path to fix my complaint.
Product: Credit card or prepaid card

I tried to request a credit line increase on my card today, XXXX. Their system says that I already had an increase on my account on XXXX. Which is not correct. I requested an increase on XXXX. This information can be verified by XXXX as there was a hard inquiry into my credit report on that day ( XXXX ). I also remember submitting it twice back on the XXXX, the fist one stated I got an increase, the second said I did not qualify because of the first approval. I requested it a second time on that day because their system did not instantly reflect the approval. I question Citi 's systems because I was not notified of any change in my credit account or status in XXXX. The only reason they may have used that date is because I finally used my card in XXXX. This does negate the fact that I have a hard inquiry in my credit report from XX/XX/2021 and was approved then. They clearly have systems that do not match up to what happened, when it was approved and when I would be eligible again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPM lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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
Product: Credit reporting or other personal consumer reports

Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear XXXX Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA.

* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not fixed any errors pertaining to the accuracy and correct reporting of the credit score. The credit score reflected a score of, XXXX as of XXXX XXXX, due to an inquiry being removed by, XXXX XXXX. As of XXXX XXXX the credit file reflected a XXXX point decrease with no significant changes to the results of such changes. As of XX/XX/XXXX transunion has not provided any further information to the change. Requesting an investigation and further Investigation into the status of the account reported by XXXX XXXX. After receiving the credit report dated XX/XX/XXXX the credit file indicates dates of delinquency both in XX/XX/XXXX and XX/XX/XXXX both months reflected 120 days past due. This is inaccurate reporting being furnished to the credit file and ask that this information be removed. The account is also being reported inaccurately by Transunion as this is a charge off account, for the purpose of this account it is acknowledged by all parties that the information being reported is accurate and confidential to the consumer privacy. A charge off is treated as profit and loss write off. This account is Income and for that purpose is to be filed on a federal income tax as income. Income is not to be reported to a credit file. This is a violation of the FCRA. For the Accuracy of the credit file I request transunion fix and remove all errors and accounts incorrectly being furnished and update the correct credit score.
Product: Debt collection

XXXX XXXX XXXX XXXX Contacted my daughter about me, told her they had documents to deliver and they had our address, told my daughter I was high risk and they are coming to get me. I called the company after they harassed and scared my daughter they told me I had to pay {$4800.00} or someone is coming to my house. This is harrasung, unethical and against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Against XXXX and Equifax for Inaccurate Reporting and Violation of FCRA Rights Accounts XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agencies, XXXX and Equifax, XXXX their inaccurate reporting of my consumer credit information. This matter raises concerns about the violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that these companies have failed to uphold the standards set forth in 15 U.S.C. 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), as Congress intended to ensure that a consumer report does not include transactions between the consumer and the person making the report. 

The alleged transaction that XXXX and Equifax are reporting on my credit report has not been factually verified or investigated by either of these agencies. This transaction can be categorized as a direct interaction between the consumer ( myself ) and the person making the report. Therefore, it should not be included in my consumer report, as it violates my rights under the FCRA. 

I have made numerous attempts to have this inaccurate information rectified by contacting both XXXX and Equifax directly. However, my efforts have been met with little to no response, and the inaccurate reporting remains on my credit report. This lack of action on their part further compounds the violation of my rights under the FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against XXXX and Equifax for their failure to adhere to the FCRA guidelines. I believe that my rights as a consumer have been severely compromised by their negligent and inaccurate reporting practices. 

In light of the aforementioned issues, I am seeking the following remedies : 1. An immediate correction of the inaccurate reporting on my credit report, specifically the removal of the alleged transaction in question. 

2. A comprehensive investigation into XXXX and Equifax 's reporting practices to ensure that similar violations are not occurring with other consumers. 

XXXX. Appropriate disciplinary actions against XXXX and Equifax, as deemed necessary by the CFPB, to prevent future violations of consumers ' rights under the FCRA. 

Enclosed, please find copies of relevant documents, including correspondence with XXXX and Equifax, which demonstrate my attempts to resolve this matter directly with them. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this violation of my rights. I look forward to your prompt response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened XXXX of XXXX. At the time my credit was checked and I was approved for the department store card. 

In XXXX of XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX  and Experian ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XXXX of XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX  ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.
Product: Mortgage

I file a complaint, your case number,  XXXX , and all that 's sufficient for you is for this bank to respond regardless of their response. Does n't matter that I am satisfied from the wrongdoing this bank did. They respond, you close the case. That 's good enough for the CONSUMER FINANCIAL PROTECTION BUREAU? And then I ca n't even respond or give you feedback because that link is broken. Pathetic. You 've effectively created a website that serves little to no purpose. I 'm still not satisfied and fully expect you to force this bank for a complete and full refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Prepaid card

I was gifted an American Express electronic gift card in XX/XX/XXXX. When I was ready to begin using the card, I attempted to use the card online in XX/XX/XXXX. I added it to a digital wallet, XXXX XXXX, and managed to successfully use the card for the first time at XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. After this, I was unable to use the card until I used it successfully at XXXX XXXX in XXXX, WA on XX/XX/XXXX and XX/XX/XXXX. Afterward, every attempt to use the card was declined, and my remaining balance on the card has stayed at {$430.00}. 

I and the person who gifted the card to me ( my mother ) made several phone calls to customer service. I do not remember their exact dates but each call is summarized below : - First interaction with customer service : I was told that the card is " anonymous '' so I should only use it with online retailers that don't ask for name and address. In addition, she recommended using the card primarily in brick and mortar stores via a digital wallet. I attempted to only use the card physically but every transaction continued to fail. 
- Mother 's phone call : rep stated that the reason the card was declined was because there was a hold/freeze on it. They told her that they lifted the freeze. Card continued to be declined. 
- Second interaction with customer service : I was transferred to a customer service rep who put me on hold for 10 minutes to try and resolve the issue, and when he came back the audio cut out midspeech and the call dropped for no reason. I am considering this a poor interaction because they did not attempt to call me back and aligns with a series of tactics to delay or deceive customers when trying to resolve these issues. 
- Third interaction : The customer service rep told me that " there was no reason the transactions should have declined '' and that I should remove the card from my digital wallet and re-add it. She also recommended that I only shop for certain products online, like if the card was declined on XXXX when trying to purchase XXXX, I should instead try to purchase XXXX. 

The card continued to be declined at every attempt to use it, online or in brick and mortar stores. 

I found several recent XXXX threads with individuals who are also experiencing the same problems ( XXXX search " amex gift card declined XXXX '' ). 

American Express states : " Your American Express eGift Card may be used at US merchants that accept American Express Cards. '' This is untruthful as I have attempted to use the card at multiple locations that accept American Express *and where I have used a regular American Express credit card with no issue. * American Express customer service does not appear to be making any real attempts to investigate the cause of the declined transactions. They continue to deceive, misdirect, and stall customers without offering any real solution other than feeling around in the dark and hoping a merchant will finally accept it. 

I am happy to provide any further information that is in my power to give. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on 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 XXXXXXXX