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

I opened a checking account with chase last Friday night. Obviously I knew there was a long holiday weekend. I did notice a hold on a measly XXXX check I deposited from one of my other checking accounts from XXXX. Explanation from the company was the hold was due to not being able to get the money from XXXX quickly enough. Which is odd to both XXXX and myself- as they pulled it and said there is zero problems on their end and they chase is lying. Chase says now that I cant even access the money until XX/XX/XXXX. Thats twelve days after the deposit- I dont care that weekends and a holiday were included thats NOT what you advertise when you speak about mobile deposits. I also was told by the app itself that you were going to deposit money into XXXX and pull it and that I had to verify it. Funny you can place holds ASAP on a check but cant deposit the small amounts you said you were going to so that I could verify that bank. Also this card company has NO issue with either of my other two checking accounts XXXX  or XXXX  when it comes to paying their credit card I have with them. Then they dont have an issue with those other banks. So when theyre getting paid from these banks they dont verify anything but I was told IN their secure message center on the app from some cs guy yesterday that I need to call loss prevention about fraud. Is this bank for real? Why should I even direct deposit or deposit anything else when they are lying and another bank said they were. If they dont get this fixed - they can close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past, several months I have requested Equifax and XXXX XXXX to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with XXXX Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from XXXX on XX/XX/XXXX on a contract that was not signed by me. A XXXX employee forged my name on the contract. 
XXXX started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. XXXX has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When XX/XX/XXXX reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number ReasonXX/XX/XXXX Social Security Number xxxxx XXXX Variation XXXX was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit XXXX XXXX reported it
Product: Debt collection

This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the XXXX 's I received a letter that it was paid in full. However now Midland Credit Management is now calling me after I sent them this information and then called them about this are calling me non-stop at least XXXX to XXXX times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.
Product: Checking or savings account

On XX/XX/XXXX, I received communication from XXXX by XXXX that my preferences had changed. I tried logging into my account to check to make sure everything was alright, but it said I was locked out. 

I called their customer service to unlock my account, during which I provided multiple methods of identification. However, they said that both my phone number and my state of driver 's license did not meet the security requirements to verify my account. 

They said that they would get back to me in XXXX to XXXX business days. The kicker is that I opened this account only XXXX week ago -- and now do not have access to a significant amount of money that I deposited with them. 

I am scared, and so incredibly frustrated, as I feel that XXXX by XXXX is holding my money XXXX without any way of getting it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and I would like to understand why? it takes seven days to clear a check. First, let me start to explain as to what has happened. On XX/XX/2021, I deposited a check into my Bank of AmericaXXXX Small business account. The check was issued by XXXX XXXX XXXX, their endorser of their check is XXXX XXXX XXXX.  When I made the deposit, I asked the clerk, will the check clear by tomorrow? He said to me, there was NO Holds on the check. Then by XXXX the same day, I am getting a notification from Bank of America , that the check will be placed on a 7-day hold. The next morning on XX/XX/2021, I spent two hours on the phone trying to find out as to why the hold was set in place. I finally get the answer to my question when I spoke with a XXXX XXXXXXXX Check Verification Specialist who stated to me that XXXX XXXX found issues with the check, but wont clarify as to what issues there were. Then I contacted XXXX XXXX XXXX  I spoke with a young lady by the name of XXXX XXXX. I sent her a copy of the check and she even try to speak with a Bank of America representative, but she couldnt get through. XXXX XXXX could have easily verified the check, but nobody on my bank side could even answer the call. Plus, she said to me based on her computer system on her side she sees NO issues with the check. But yet still I have to wait 7-days, No, I dont think so. I believe the Bank of America should make this up to me by joining me tomorrow on a telephone conference with myself and XXXX XXXX at XXXX EST tomorrow. So, I can have some type of resolution to this problem. I am looking forward to hearing from one of your representative tomorrow at XXXX.
Product: Mortgage

I am writing this letter to explain my unfortunate set of circumstances that caused me to become delinquent. I have done everything possible to make ends meet but fell short due to income. 

My hardship began in XXXX. The main reason I felt short was due to medical complications that have put me in a disabled position and I am now waiting to see if I will receive social security disability where I suffer from ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I had a major XXXX on my hand that exhausted all paid time off. This resulted in no income but being committed to my obligations I withdrew from my retirement savings to stay on top of payments. 

I was in an adjustable rate loan that increased my payments from {$260.00} to {$640.00}, which was a huge jump for me with no income causing me to get further behind. I was receiving additional income of child support that stopped which helped make the partial payments I was making to XXXX. 

I applied for a modification using my husbands income. During this process I received a letter stating it was charged off as a bad debt because I was making partial payments. 

My situation has improved based on my husbands income increasing and we feel that with your help in keeping our home that you will consider giving us a modification with a fixed rate. 

Historically, XXXX charged off the balance due to me making partial payments in XXXX. My loan was a interest only loan. 

In XXXX, XXXXXXXX XXXX sent me a letter to foreclose on my home after 4 years of no one having my loan and being charged off by XXXX. My balance was $ XXXX. XXXX XXXX XXXX also show differently of when it was recorded in XXXX. 

XXXX XXXX, with XXXXXXXX XXXX retroactively added interest from XXXX to present, late fees, legal fees to my XXXX mortgage which put it in a first lien position to be able to foreclose my home in the amount of $ XXXX. XXXX added on $ XXXX of fees and interest. 

According to your CFPB, once the loan is charged off you can not go back and charge interest when the loan gets sold I have submitted a loss mitigation packet based on his loan amount that exceed my first mortgage. I was denied due to income. XXXX is now forcing me to pay off the loan with him in 45 days. He stated that he would remove all fees and added interest bringing the loan back to $ XXXX. If he is able to do this why wont he do the modification based on $ XXXX? He stated in the attached email documents attached of his plan. 

XXXX has conducted very unprofessional behavior as he taunts XXXX XXXX XXXXXXXX XXXX. ( see emails attached of his rude and abrupt behavior and makes it very difficult to work with ) threats, disturbing vexatious acts, and condescending remarks. 

He has now sent to his attorneys to start the process of foreclosure if I do not come up with the agreed amount of $ XXXX in 45 days or he will go back to the original amount of $ XXXX so that he can foreclose on my home. Again, this is where the fees put my XXXX mortgage in 1st lien position. We have requested explanation to no avail of a response of how he added interest from XXXX to XXXX.
Product: Debt collection

The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are XXXX XXXX XXXX XXXX. Bridgecrest is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.
Product: Checking or savings account

A criminal steal my mailbox on XX/XX/XXXX and my new Citibank debit card and its related opening account information are stolen. I initially transferred lots of money in this new account to try to get the Citibank checking account promotion deal. Then the criminal used the account info and the card with PIN letter to activate the debit card, used the debit card PIN to purchase items totally worth {$2800.00}, and withdrawal {$1000.00} from ATM on XX/XX/XXXX. I received a fraud verification msg from Citibank at around noon on XX/XX/XXXX, then I found my debit card and personal info were stolen, I called Citibank to verify the money that the criminal spent on that day, then I submitted all of these invalid transactions into disputes. And I also reported to Citibank to re-sent me another new debit card along with a new PIN, so that the criminal could not keep using my debit card to purchase/withdrawal. However, I found another transaction on the night of XX/XX/XXXX ( at around XXXX ), the criminal has sent the stolen signature card back to Citibank, and applied and gotten a check book of my Citibank account by using my personal info, and he/she even wrote a check from my account to make a payment {$200.00} to somebody. The " XXXX '' name on the check is " XXXX XXXX '' ( or " XXXX '', I am not sure the written letter from the check, either " a '' or " u '' ). I think whether this XXXX is the criminal or at least the criminal knows XXXX and used my check to pay her for something.The total amount that the criminal has steal is more than {$4000.00}, I have requested for disputes about all these illegal transactions sooner after I discovered them. But after several weeks, Citibank closed most of the disputes and denied them. Citibank sent me mails to say they have attempted to contact me but not successfully, and asked me to call back to a Citibank representative to pursue the claims. However, firstly, I have never received any contact from Citibank related to the disputes during the entire period after I submitted the disputes, secondly the person and phone number Citibank provided to me has never worked, I made a call to that representative for more than 10 times and left voice message for each call in a week, but she has never answered the call and has never called back to me. I called Citibank disputes department again and again, but they couldn't solve this problem by either giving me another better way to contact about my disputes, or helped me re-submitted the disputes again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX XXXX XXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form 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 The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

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

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXXXXXX XXXX XXXXXXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX  XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Money transfers

I sent an amount of money by using MONEYGRAM.COM, online, there were several holds on which payment was available but i had to constantly give them in intervals more and more information on my personal, i.e. Drivers license, DOB, address year of birth, SS and all uncomfortable information to a representative that was outsourced in a foreign country. I 'm now watching my acct notoriously along with alerting my bank of what transpired, I 'm cancelling the money gram acct and reporting them to all agencies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XXXX XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : 0 0 High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX  Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXXXXXX XXXX  Date of Last Payment : XXXX XXXX  Two-Year payment history Month 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 Experian 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 RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the Credit Reporting Agencies are required by law to remove any fraudulent accounts and information completely from my Credit File. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with Equifax pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that is not mine.