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

I deposited my check using mobile deposit, and the very next day, I discovered that my account had been suspended. I was unable to access any of my accounts through mobile or online banking. When I called the bank, they explained that it is their policy to suspend accounts to prevent fraudulent activity. This has left me in a difficult situation, as I can not access my account, use my debit card, or make transfers. Additionally, my scheduled bill payments are at risk of being declined due to the suspension. All of this occurred because the bank wants to validate the check I deposited. How can a bank justify suspending an account in this manner for 5 days. I never experienced this. I dont think its any regulatory law, bank can hold just funds not suspend the account.
Product: Credit card or prepaid card

I contacted XXXX XXXX about issues with transactions not showing up on my account on XX/XX/19. There are two transactions in the amount of XXXX that I made and they dont show on the account but are included in my balance. 

I also have not received the rewards pay out for these transactions. Rewards are to be paid out daily per the terms and conditions. 

They said they should appear the next day when I spoke to them on XX/XX/19. I contacted them again on XX/XX/19 and was told it was escalated but they couldnt give me any time frame as to when it would be fixed.
Product: Credit card or prepaid card

I received a new card in the mail on XX/XX/2021 and immediately called customer service to link the new card to my existing chase business account to have all my cards in one account. 

The specialist misunderstood my request and consolidated my new card to my older business card and closed the new card. 

I explained to her I did not want the card to be closed and that all I wanted was to link the two chase accounts together. She apologized for the mistake and promised to reverse the process. She returns 30 minutes later and informed me that the process could not be reversed and my only option was to reapply for the credit card. 

I should not be doing this to fix the problem they created. I can not reapply for a new card because the hard pull will lower my credit even lower from the previous application. Theres also no guarantee that I will get accepted again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting XXXX different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another XXXX so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on XXXX and reporting {$43.00} Payment Status : Current Current Late XXXX  Days Payment says current but then is reporting XXXX  days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late XXXX  Days Late XXXX  Days Late XXXX  Days Payment status say XXXX late days and XXXX say XXXX late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says XXXX different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting XXXX different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting XXXX different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit reports and noticed several inaccuracies and late payments on my reports. This negative remark has been detrimental to my life and overall credit health.
Product: Credit reporting or other personal consumer reports

In my recent complaints where Experian is simply verifying all of my credit listings, unnecessarily because my request was to REMOVE them all, not verify them. They have on my XXXX credit card report that I reported FRAUD on the card so XXXX canceled my card! They directly said it came from the bureau. As I have had severe credit issues for 3 years after getting ill, XXXX was XXXX company that still extended me a card, and Experian just had it canceled and XXXX will NOT give it back thanks to this. It is nearly impossible to survive today without a credit card, for things such as car rentals or hotel reservations. Experian needs to correct this IMMEDIATELY and call XXXX. The XXXX XXXX cards were shut down because of a fraud, but nothing was said about XXXX. 
You have a dispute from me as we speak on my request to remove my information on all bureaus due to the Social Security breach and Experian is sitting on that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have countless times contacted Equifax as they are reporting incorrect accounts on my credit report. MY credit report is mixed with my brothers. I have been disputing this since the last year ( 2019 ) I have even sent copies of my license, social security, and all the information needed to prove the accounts showing on my report are incorrect. I have been on the phone for countless hours and the agents refuse to let me speak with a supervisor or manager. At times I would be on hold for 20-30mins and  they just hung up on me. I have researched this issue and a lot of people have had similar issues as they use initials to identify reports and I need them to use my full name and confirm using my social security number. This is extremely frustrating as I have worked hard to maintain good standing with my credit.
Product: Checking or savings account

I had a bank mobile account # XXXX for over 5 years, until today, they closed down my account out of the blue, I called customer service, he was not any help, i asked for a supervisor, the person that claimed to be the supervisor told me when the prompt online asked for my social security number and I did not provide it, they closed down my account. I told him that I banked with them for years, never when I went to go check my account, it asked for my social security number. I been scammed before so I thought it was a scam. I then asked the rep. where is my money that was in the account? what blew my mind, this man told me that i have not used the account in years! Which is a Lie! I work for XXXX  XXXX XXXX and my checks get deposited in that bank account # XXXX every other week, now this so-called supervisor is trying to tell me that i don't have any money in that account or used that account in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and the following needs to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I was contacted mid last year from a random number that would not advise what company they were calling from until I verified myself. I did not because based off of the fair collections act they have to introduce themselves. I then disconnected the line. I later in the year reviewed my credit report and found a collection from XXXX XXXX. I called them and asked what it was about and why they had not contacted me, the account agent then said he did. I then recognized his voice as the person who did not want to say what company he was representing. He then advised that he did not have to say the company until I verified myself, which I knew was not the case. I later advised his supervisor or my issues, who said they would review and no one got back to me. He advised that they are supposed to say the name. I paid the debt because he advised he would handle the issues. All calls are recorded is what they said and they would review. I called today and requested the same supervisor and was transferred to the agent who again stated he only told me his name and not the company. I left a voicemail for the supervisor.
Product: Mortgage

I would like you to please take a look at my case. In the past 5 years my mortgage has been sold to another company 10 times. Since XXXX XXXX   has taken over my mortgage every time I made a payment the total amount owed went up. They were charging me {$3200.00} for my property taxes. My taxes were only {$2400.00}. They were charging me {$2400.00} for my insurance, and my insurance was only {$1800.00}. I have been disputing with them since they took the note that there was an issue with how much I owed. They refused to try anything to get things resolved. The employee was very rude, called me and " XXXX '' and told me I did not know how to read my own taxes and insurance because banks do not make mistakes. I have never missed a payment, paid two extra payments in the last 15 months prior to our foreclosure. I was told I owed {$5000.00} in back payments but I provided documents for proof that those payments were paid. The employee told me that she would " show '' me and put me into foreclosure. I hired a attorney and they made a payment arrange for my so called missed payments. XX/XX/XXXX the bank started refusing payments, and started a foreclosure. We managed to stop the foreclosure. By them refusing my payments they skipped all the foreclosure paperwork and the courts and put my house up for sheriffs sale. My attorney stopped the sheriffs sale. Since then the bank has been to my house twice to get me to sign a loan modification. I denied them and told them to speak to my attorney. We have a court date on XX/XX/XXXX, but being that our attorney will be out of town that whole week, he is rescheduling. How is it right that I am overcharged, then refused to take my payments, put me and my wife through harassment and stress issues with fear of loosing our house when they do not even have a signed loan document from me. They are going back to XX/XX/XXXX trying to say that I owe the same amount now. I have every single document and payment papers to prove everything has been paid. My attorney has these documents and has proven it to them many times. They are stating that they are still paying taxes and insurance for the past two years even though I pay them on my own. I have all the documented proof that I pay my taxes and insurance on my own. I really need this resolved. Thank you very much for your time and consideration! Please contact me with any questions or clarification. Contact XXXX XXXX at XXXX XXXX  XXXX, XXXX. ( XXXX ) for any documents. Again thank you very much!
Product: Debt collection

I attended XXXX XXXX in XXXX XXXX XXXX in XXXX. 
I am a XXXX living in XXXX I went back to the clinic twice after initial visit at their request. On last visit was told there was no money owed ( I specifically asked ). 
At XXXX XXXX/XXXX  time ( I was in XXXX ) on Thursday XX/XX/XXXX I received a call from Cherrington Firm by XXXX XXXX . I was told that i had an outstanding Debt of {$80.00} to XXXX and as i had not responded to Cherrington 's letter asking for payment it was now a bad debt. 
I asked the address that the claim payment request was sent. i was told it was XXXX XXXX  XXXX XXXX  Zip XXXX Utah I explained that my office address in XXXX XXXX ( which was given by showing my business Card to the XXXX reception when i signed on as a new Customer ) was XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX. 
I was told that i had given the other address on my Patient form and it was signed by me. I attach that form. 
I was then told i needed to call XXXX to discuss. i called XXXX XXXX to discuss, I asked what address they had and they said it was XXXX XXXX XXXX XXXX Zip XXXX Utah. 
I told them that is not the address I gave when i registered as a new Customer/Patient. I was told i have to call their Billing Office XXXX XXXX XXXX. 
I called Billing office and asked them what address was in their system and was given XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX ( the correct address ) I asked what could be done the rectify this issues and was told to call Cherrington.

I then called Cherrington back told them the above and XXXX XXXX just said nothing could be done, so i reluctantly paid {$110.00}, which was the {$80.00} plus the fee for collecting a Debt. 
I asked for the details of the claim which I attach. 
What they did not give me is the initial letter to ask for payment which was wrongly sent to XXXX XXXX XXXX XXXX Zip XXXX Utah. This is an important piece of information as I need to see what address that had for me on that letter. 
I have today, XXXX  XXXX Eastern Standard Time XXXX hours wednesday XXXX XXXX called Cherrington to request the initial letter they sent to request the outstanding payment. i spoke to XXXX XXXX. 
I also said i want the difference of {$110.00} and {$80.00} paid back as i was wrongly charged for overdue Debt because the request was sent to the wrong address. she has told me the matter is closed and they can not assist. 
it is not the amount that is the issue it is the attitude. It is no ones problem. Every one slips it sideways. 
I am concerned that with Tactics like this other people ( perhaps elderly and sick ) will be forced to pay for Incompetencies of these organisations. 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit and financial history have been destroyed by Experian. It is an anomaly that this only happens in Experian and XXXX, no where else? My contact, discussions, & disputes with Experian have resulted in discovery that the company lacks internal controls on customers personal data, both from point of entry to exit and reporting. Basically, they accept any claim against customers and reports whatever is claimed, with no checks or balances. 
Several ID Thefts have resulted in my name, address, and SS being all over the place. There have been loans, cc, and other debt opened in my name as such. The names are never perfectly correct, with varying versions. Address usually covers XXXX, XXXX, or XXXX There are now 20 to 30 versions of my name on Experian? As bad as XXXX is, it doesn't even do that. How does a credible company accept that many names for one person? No wonder the criminals are having such a good time opening up debt in my name. At present, Experian has no procedure for customers to fix errors in their credit reporting due to ID Theft. There is no procedure to fix 20/30 names, no source to reconcile debt history, and no affidavit to confirm loan re-aged or re-assumed. As such, I need a history of how the names were accepted and which loan record pairs with it. The debt amount via what is commonly known as SOR ( system of record ) at original source. Any existing affidavit to the debt under official name, matching those of other federal agencies i.e. passport, driver 's license, land passport, ss card, and voter registration. Nothing outside of this will be accepted. 
Experian does not use proper systems of control in reporting customer credit score. It also does not provide proper debt validation records. To date, my Experian report has had so much junk that the damage to my financial history in incalculable, potentially in hundreds of thousands in denial of credit. There is no way to dispute the debts incurred from wrong / stolen identity or pairing. There is no way to dispute so many names on their report. They just let these deficiency sit on there, refusing to fix it, or get proper debt validation documents for the customer. My Experian account has freeze status for 5+ years. I still get hit with counted 20/30+ versions of me on my report? There are no controls in place to conduct due diligence and audit before allowing debt and rand names to show up on customers report. They just take in whatever people give them as long as they are willing to pay. Their disregard for the financial damage this has done to the customer is alarming. 
Seeking Experian : 1- SOP on accepting negative debt claim 2- Systems controls that vet and periodically audit false data against customer 3- Audit & Due Diligence process on submitting 20/30+ names on 1 customer 4- How long has these false inputs been allowed to damage customer credit 5- Records retention inventory of debt validation paper, default affidavit, loan hand-off history
Product: Debt collection

I signed up to use Klarna and to my surprise was told that i already had an account with them. i have no idea how this came about. so i asked them to investigate this situation and was never given an update until yesterday when the rep told me that it was opened and closed. I was not given any type of update or any other any information. i have no idea where this alleged account come from and this company is not giving me any information about it.
Product: Checking or savings account

On the afternoon of XX/XX/2022 I took my check from work and deposited it in the Navy Federal Credit Union ATM located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The check was for a total of {$6400.00} as it was represented on my bank statements. Now, my personal bank is XXXX  XXXX XXXX XXXX but they are branched with Navy Federal so I stupidly decided to deposit my check there instead. That same day, I attempted to withdraw {$1100.00} but later realized the limit was XXXX so I cancelled the transaction and left it for another day. My check was put on hold for two days and finally it was released to me on XX/XX/2022. That very day, I visited the same ATM to withdraw {$500.00}. I did NOT withdraw anything more than that and the amount is posted in my checking statement records. I am confused and honestly APPALLED that Navy Federal would withdraw such a large amount of money, in the sum of {$6400.00} with NO warning or indication as to why it was done, especially without my consent. Please help me figure out why such a large sum was removed from my account as this is causing me mental distress. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here are my tracking numbers : XXXX ( XXXX ), XXXX ( EQUIFAX ), and XXXX ( XXXX ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX According to the credit report provided by XXXX XXXX this account was marked as charged off, despite the fact that the balance was paid in full on XX/XX/year>.
Product: Checking or savings account

A dispute was filed for a transaction in the amount of XXXX on XXXX XXXX I believe is the date, XXXX is the merchant name, this an XXXX purchase. This was paid by myself for a purchase made with my mother 's XXXX account, not my own. An XXXX XXXX was ordered, advertised as unlocked. When item arrived, it would not work as it appeared it is not unlocked as advertised. My mother filed a dispute with XXXX on her end as again, it was purchased under her XXXX account. Item was returned, a tracking number provided. However, my mother is elderly and the incorrect tracking info might have been provided to disputes team. A temporary credit was provided and later reversed, disputes team requested information from a third party stating item is defective/would not work. The item was already returned back at that point, tracking number was provided as stated before. The rep, XXXX, replied back stating he is closing dispute and reversing credit, will not reply back to messages via secure inbox. Needless to say, this rep is rude and uncooperative. The credit was reversed and my account is now overdrawn because of it. I wish to reiterate that item was returned, tracking info might not be accurate as my mother is elderly and easily confused. However, item was not as advertised as it was not unlocked.