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

My usual paycheck, from my employer the State of Arizona ( XXXX XXXX XXXX XXXX ), was sent to me via mail due to a direct deposit issue on payroll 's end. The paycheck 's total was for {$1300.00}. I received the check on XXXX the XXXX. I originally wanted to use mobile deposit on the navy federal app but it said my funds would be on hold until Friday the XXXX. So I called Navy Federal and they canceled the mobile deposit so I could deposit it on monday in person at the local branch. and have access to the funds on XXXX. I deposited the check on XXXX at XXXX at the local navy federal branch. There was no issue and she deposited it and I have a receipt that said I would receive the funds the next business day ( today ). 

I got a message from Navy Federal at XXXX that say my funds were on hold because they have reasonable cause to believe that the check is uncollectable from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect it receive your funds within XXXX business days. 

I would like to note that I have never cashed a bad check in my life. 

I went up to the XXXXXXXX XXXX XXXXXXXX and talked to customer service and the bank manager. They told me there is a security department that I can call and talk to about lifting the hold. I waited there on hold for about XXXX minutes but I had to go back to work. So I called the customer service line to be directed to the security department. 

I have talked to three different customer service agents and one supervisor who that there is no one who oversees the security holds on checks and that it was an automated system. I asked, " So the automated system can put a hold on any check for any reason and there is nothing anyone can do about it? '' The supervisor said yes that's correct. They said they do not know why the bank manager would say there is a security department that can help me. 

It does not make any sense when they say there is no one who oversees the process. How is that possible to leave it up to machines to make the decision? 

I asked if they could cancel the check and give it back to me to cash elsewhere. They said no because the check HAS ALREADY BEEN ACCEPTED AND PROCESSED. If that is true then why is there a hold? 

This is my usual paycheck from The State of Arizona that has been issued and processed with no issue since XXXX. I showed the bank my paystub, and emails from my payroll indicating there is nothing wrong with the check. They said the hold doesn't make sense but there is nothing they can do. It is a government paycheck ; how can they say they don't think the bank has the funds ; it is the government. 

I am a public servant who is also an active military spouse. We were relying on this money to buy food for XXXX. I was told because of the holiday, the hold on my account will not come off until Tuesday the XXXX. This makes no sense and no one can give me a straight answer. My next paycheck comes on the XXXX, So essentially my family went XXXX weeks without pay because of Navy Federal. This has caused my family significant distress and hardship.
Product: Debt collection

A couple of weeks ago, I saw on my XXXX credit report that a derogatory account had been submitted by Alpine Credit Inc on XX/XX/2020 in the amount of {$370.00}. To date I had not received any communication about a debt being owed either from them or the original creditor. 

Around XX/XX/XXXX, I phoned them and asked that they email me an invoice for the debt as I had received nothing so far. They had my correct address on file, which seemed odd. The person said they " normally didn't do this '' and so it would be a few days. 

On XX/XX/2020 I received an emailed " invoice '' from XXXX XXXX XXXX XXXX for a XXXX XXXX and something I couldn't interpret. Alpine passed this invoice off as XXXX 's. However, I noticed two things - Associates was spelled wrong and my current address was on the invoice. Since I had never seen this bill before nor ever had a XXXX XXXX I was pretty sure this couldn't be correct and was doctored by Alpine. 

On XX/XX/XXXX, I contacted XXXX and they confirmed that the patient had the same first and last name. The birthdate was similar, but not the same as me. They also had my address as in XXXX ( where I've never resided ) at a PO Box . They did NOT have my address. They verified that this was NOT me. 

On the same day, I called Alpine where I was very rudely treated until, of course, they confirmed that my last 4 SSN did not match this person. They said that they would contact XXXX, but I have yet to hear back. 

The reason that I am reporting Alpine Credit , Inc is because they. 
1. Egregiously reported me to the credit reporting agencies even without matching the birthdate, ssn, address, etc. Isn't there minimal matching criteria? I now must spend even more time rectifying this. 

2. Sent me a FAKE invoice, which I believe violates FDCPA ( among probably other laws ). 

3. Even to date ( XX/XX/XXXX ) they have not sent me any communication in writing. I believe within 5 days of receiving my debt they are supposed to notify me in writing? 

I am thankful that I have the time to rectify my credit score. And I certainly appreciate that there is a place where I can file a complaint against places like Alpine Credit that can't even do simple things like match people 's PII before damaging someone's credit and wasting their time. While this may be a " small '' thing I can only imagine how damaging it could be to someone without the time or resources.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely
Product: Debt collection

AVANTE has placed a fraud account in the amount of {$1100.00} onto my credit file. Not only have they inserted a fraud account I was never made aware of this debt and was not given my right to dispute the validity of this account. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

BBVA COMPASS IS FINALLY RESEARCHING MY PROBLEM, ALTHOUGH THEY HAVE NOW TAKEN OVER 90 DAYS WITH MY COMPLAINT AND THERE ONLY RESPONSE IS THAT THEY ARE LOOKING INTO AND WILL BE IN TOUCH WITHIN 60 MORE DAYS. THAT IS 5 MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it
Product: Mortgage

I am trying to close a refinance with Provident Home Loans and they are requiring verification of employment. This is not a problem, but my wife and I work for XXXX XXXX companies that use the XXXX as verification of employment. We have provided that information to Provident but they are saying that is not acceptable and is requiring us to get email from our boss that we are employed after we have signed the closing documents. That is against our companies policy. We have supplied evidence that we are employed thru current pay stubs but Provident is refusing to fund the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX as part of a bankruptcy i reaffirmed my vehicle which was a XXXX XXXX XXXX. I made all payments for 7 years with no late payments. My son was the borrower and I was a co borrower. My son never filed bankruptcy, I was never notified that all evidence of my auto loan for the last 7 years would suddenly be wiped off my credit report. I was told that it was because it was affected by my bankruptcy, but it was not. The car was payed off in XXXX of XXXX and still was not told by anyone that my credit would be removed. A news station reported that millions of car, home and personal loans were being terminated by Wells Fargo and consumers have seen positive credit removed by them as well. This is not accurate or fair reporting of my credit history. Yes I filed bankruptcy but not on them and I am already being financially punished for ten years, however all my credit good and bad should be reported. You can better believe that if I had missed some payments it would have stayed on my report. All I am asking for is the credit I established, earned and payed for be accurately reported.
Product: Credit card or prepaid card

Submitted XXXX XXXXXXXX XXXX XXXX Payment on time and got a BOGUS Late Charge of {$32.00} when the payment was in fact on time. I have since CANCELLED the card due to BAD overall Credit Terms/Rates.
Product: Debt collection

Commonwealth financial are reporting inaccurate and incomplete credit information. I am distressed that they included the wrong information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information
Product: Credit card

XX/XX/2022 I went for a temporary subscription to a site called XX/XX/XXXX for {$1.00} then attempted thru email to CANCEL the " subscription '' before the trial expiration date - they refused to do so... so I contacted b of a by email - no response - then contacted them by phone and they said they were going to BLOCK this fraudulent actor - month after month after month ... I kept getting b of a alerts that their fraudulent attempts were denied - even though BLOCKED usually means blocked ... whatever ... I guess that's their way of doing it? 

I haven't used that card since then or close to it I had no reason to believe that this fraudulent actor would ever be able to do it again Inadvertently ... because I was saving & sending statements to debt management ... I started to notice that the fraudulent charges eventually started to make it thru to my account Recently... I spoke to a phone rep that said he would put those in dispute and change the card number so they could no longer do that b of a sends me a letter stating that the fraudulent charges are valid and that they were crediting me {$40.00} from just short of {$400.00}
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELETED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( 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- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY PAYMENTS. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IN THE PAYMENT HISTORY FOR EACH ACCOUN IMMEDIATELY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE.. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are actions I did not participate in. Can someone please assist and take these false accusations from my credit immediately?
Product: Credit card or prepaid card

809. Validation of debts, USAA violated 809. Validation of debts by failing to provide a notice of debt in a timely manner prior to the closing of the card. By self admission, USAA failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

This claim is substantiated by USAA in CFPB complaint # XXXX by USAA with their following statement : " On XX/XX/XXXX, the credit card was re-opened as an exception. On XX/XX/XXXX, the MasterCard charged off with a balance of {$2700.00}. XXXX XXXX, thank you for speaking with XXXX XXXX, of our staff, who advised you that USAA accurately accepted the notarized POA form on XX/XX/XXXX. Furthermore, it was accurately revoked on XX/XX/XXXX. '' USAA failed to provide the appropriate timeline required to inform this cardholder with the account debt nor provided any time for this cardholder adequate notification of any opportunity to remedy the debt, by the omission of the process USAA is required to communicate with any cardholder.
Product: Credit reporting

I called Equifax about this tradeline from XXXX # XXXX that does not belong to me. They said it is factual record. I told them it does not belong to me, I want to see proof with my actual signature showing this belongs to me. They have not sent any proof bearing my signature. Pulling something from a XXXX party vendor is not proof. Anyone can email, fax incorrect information to a XXXX party vendor. I want actual proof this belongs to me bearing my signature. Under The Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX XXXX you have 30 days to show me proof. Otherwise I will file a small claims action against you seeking damages of {$5000.00}.
Product: Credit reporting or other personal consumer reports

First premier bank is reporting inaccuracies on my consumer report a charge off account number XXXX for the month of XX/XX/year> status charge off, XX/XX/year> charge off, XX/XX/year> charge off .a charge off should only be reported with 1 accurate date this violates my Fcra rights usc 1681b ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

A car dealership from XXXX, PA used my information provided by an ex girlfriend to find her a car when my autorization was never obtained over the phone or on paper. XXXX XXXX  of XXXX, pa did this. I have called them and they have stated that you did do it saying i gave girlfriend permission which i didntand failed to investigate properly. I also called Experian to dispute unauthorized inquiries and they told me that since i didnt file a fraud alert when the inquiry was made it counts regardless if i auatorized it or not. I even sent certified mail to Experian with what i am disputing they ignored it and sent me nothing back. Please help I am currently trying to buy a house and banks are denying me saying to many inquiries
Product: Credit reporting or other personal consumer reports

With 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. 

Diversified 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 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 of items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of the student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and resulting compromise to my personal and financial information. I request that you immediately cancel my student loan and debt. You have five business days.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. XXXX XXXX  XXXX
Product: Bank account or service

My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.