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

On XX/XX/2023, I deposited a check for {$16000.00}. While trying to transfer funds from my savings account to my checking account, I realized that I wasn't able to do so. I called Chase and they explained to me that they have restricted my accounts because they have to verify the check. They threatened to close my account if the checks are not verified in 10 business days. I have done everything in my power to provide Chase with the necessary contact information for verifying the checks from the issuer. However, I must emphasize that the issuer in question is a large corporation, making it nearly impossible for me to establish direct contact with the individual responsible for issuing the check. On XX/XX/2023, my check for {$16000.00} was cleared, but my account remains unjustifiably restricted. This ongoing restriction has left me without access to my own funds, hindering my ability to meet financial commitments. If the check has already been cleared, the excessive demand for additional verification to confirm its legitimacy appears unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

Ditech charged me the wrong amount from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX they finally reallocated my payments and credited an overdue HAMP incentive. Almost 15 months overdue to be exact. I disputed the error forever including on this board many many times. They reported me late to the credit bureau 3 times even though they charged me the wrong amount. All my mortgage statements had incorrect amounts due. They waived the late fees but failed to update my credit reports even though I have told them repeatedly of the error and even submitted a copy of the letter from them acknowledging this. My credit score has dropped considerably from this. They are intentionally harming me I believe in retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was displaced during Hurricane Ian and reached out to Discover for help as I lost my home, phone and computer so they shut off my automatic payments that I had in for 20 years straight and allowed me to skip two payments and when the next payment was due it was missed as the automatic payments were turned off ( by Discover ) and I was living in temporary housing so I did not get any mail to alert me that my payment was late and when I got back to into my home I was able to log into my account to see that another payment was missed which they never contacted me about and I immediately went back online to set up automatic payments and they refuse to remove the negative late payments off my account when I was living in a declared disaster area and didnt have normal access to manage my accounts and called them looking for help and now my credit score has dropped XXXX points by just being late on 2 payments but I was never late for over 20 years straight!
Product: Debt collection

I have been disputing accounts that do not belong to me. I have disputed with the credit bureaus four times and with the actual collection agency three times. XXXX, XXXX, and XXXX  has not provided me with any documents showing that I owe this debt. I have also contacted The Collection Agency Augusta Collections and they have not provided me documents showing that the debt they have is mine. I was sent itemized bills that I have never seen before until I started the dispute process. 

Dates I have sent dispute letters to Augusta Collection was XX/XX/2021, XX/XX/2021 and XX/XX/2021. The amount that they say I owe is {$3500.00}. Augusta Collection has called me demanding payment. They have sent letters stating that the debt is mine with nothing validating the debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

They are having people impersonating as lawyers threatening me for money to pay back.
Product: Mortgage

I am going through a struggle with refinancing some hard money lending properties, due to my credit score. I have been paying into the hard money loans, but as of now they are charging me 23 % interest and has placed a burden on me as I had to withdraw my 401k to stop foreclosure. I am back on foreclosure and have struggled for 2 years trying to refinance the properties. I need assistance in refinancing and stopping these hard money lenders from abusive practices.
Product: Consumer Loan

USBank has a pilot project for small dollar loans from XXXX to XXXX dollars, an installment plan to pay it back in XXXX payments. 
On XXXX/XXXX/17 at XXXX XXXX, I phoned the number on the email that was sent to me and gave all information needed. I was asked my residency and told them i am on a XXXX visa in the united states. The agent checked with the underwriter and the underwriter gave approval for a {$1000.00} loan. I was told the money would be in my account within 48 hours. I withdrew the {$1000.00} from my account at XXXX XXXX on XXXX/XXXX/17 ( after the 48 hours had passed ). The money was not in the account. Ii have been charged overdraft fees since XXXX/XXXX/17. I phoned the same division on Monday XXXX/XXXX/17 and was told the quality control at the bank had put a hold on the loan, even after underwriter approval. The agent told me she would look into it and contact me within 1 hour. I did n't received a call back. I phoned again XXXX/XXXX/17 and was told that no response back from the quality control division. I phoned again on XXXX/XXXX/17 and they told me that the loan was denied ( this would be 1 week after it was initially approved ). I have been charged overdraft fees and they bank would not credit them back to me. Until my last call was made, i had received no calls from the bank explaining the loan had been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( TRANSUNION, XXXX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.
Product: Credit card

I had a credit card, Apple Card account by Goldman sacs. The account was closed XX/XX/XXXX. Since XX/XX/XXXX the statement balance was - {$5500.00} therefore Goldman sacs owes me a balance of such amount. I have contacted them numerous times starting XX/XX/XXXX to issue a credit balance refund through check mailed to me or a direct deposit to my bank on file and they have denied for security reasons with no reasonable explanation, they also have created internal cases to management of escalation and no resolution. I have trusted the bank to take care of my finances accordingly with fairness however they have owed me this much money without any empathy regarding the time and energy this taking from me and how emotionally draining and frustrating this situation has been.
Product: Checking or savings account

Since XX/XX/2020 I had XXXX XXXX Dollars in Wells Fargo bank and it's gone ... I filed complaints got a letter from CEO office stating that the accounts were infact mine from a XXXX XXXX ... CEO office corporate office of Wells Fargo bank I was told to gather all information and take t nearest bank ( XXXX TX ) here in XXXX Texas there's no ban Wells Fargo I added my accounts to XXXX  XXXX  and XXXX my phone was also hooked up XXXX  and had another party that used it I was shocked to find that my money was XXXX and that the other XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... other party. 
XXXX XXXX XXXX had mirror the phone sence then they exchanged phone 's and I was a XXXX  for I'd theft to gain Access to accounts and property I owned a long with my brother ..... 
Sence then they have wired transactions fraud I reported over and over again and still nothing no letters no information no records nothing given after I requested it many times I transferred money was waiting on test deposit from XXXX  XXXX account when I opened three accounts the same day XXXX XXXX XXXX XXXX to XXXX XXXX to my son had a servire motorcycle wreck and was XXXX  in XXXX  I was at the XXXX train station I had XXXX XXXX hooked up to my phone and everything was fine I even locked myself out of the online account and had to call with security message to gain access with password back to my accounts within 24 hours nothing happened it's been wire fraud debit prepaid XXXX bank wise moneys service gift cards and wire transfers to and from banks by these parties XXXX  is now investing for the moment... they said they found XXXX XXXX XXXX XXXX account it was never his the accounts were mine he died XX/XX/2020 I reported everything to the bank and athories here in XXXX Texas also the list of banks is as follows now it a man named XXXX XXXX XXXX XXXX XXXX XXXX Texas.. 
Stolen phones ECT the other name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others please forward to FBI  and XXXX  for investigation of return my money and I Lost everything due to them people and lack of concern for protection proffectional models standards and business
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I started with Bitcoin through XXXX since XXXX XXXX XXXX or XXXX I have now connected to BB & T Bank, which I didnt have before when money was stolen from XXXX XXXX XX/XX/2021, or was XXXX and there bank. But, since I opened another account with BB & T, that they are thieves also. I transferred {$61.00} yesterday from XXXX to BB & T and now on XXXX  I only see XXXX transferred, vut there's no money on my BB & T Account. This isn't a paper check transfer, its cryptocurrency and should take less than a normal electronic funds transfer, due to better computer servers! So, please use me and my complaints, and I will be more than proud to show up for court cases?!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX ( Original XXXX XXXX XXXX A XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX ( Original Creditor:XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation equifax XXXX and XXXX XXXX failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is Equifax XXXX and XXXX XXXX did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017 , USAA was contacted regarding information being reported on my consumer report from  XXXX   XXXX   XXXX . They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by  XXXX , and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number  XXXX .
Product: Credit reporting

There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses.
Product: Student loan

XXXX XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear XXXX This letter highlights an error that was discovered in my most recent credit report, related to the account listed below : Account : XXXX XXXX  : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 

I am concerned about this inaccuracy in my credit report. Making a mistake like this could damage the account 's financial reputation. 

To top it off, this error is concerning. One expects that critical data that influences important financial choices will be handled with extreme caution to guarantee accuracy. The existence of this error raises questions about how effective the procedures used are. 

Pointing out that customers have the ability to dispute and have errors in their credit reports removed is crucial in light of the Fair Credit Reporting Act ( FCRA ). Customers have the specific right to contest information in their credit files, and Section 611 of the FCRA requires credit bureaus to look into the contested items.

In keeping with these goals, this letter requests that the recognized error be fixed and my credit report 's accuracy be restored in accordance with the FCRA 's Section 611 requirements. Feel free to get in touch if you require any more details or clarification. I appreciate you giving this urgent matter your attention.

Here 's the law US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Best regards.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX that I and XXXX XXXX has been paid off. As a of XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I opened Capital One Credit card XX/XX/200. I have kept the card clean and pay my bill on time. 
Recently when making a payment from my online account. I had a lock on the account and the payment was returned. When XXXX realized the lock I unlocked the account and resubmit the same amount of payment of {$2000.00} and it went through. But before long I noticed that my account has been locked. I called Capital one to unlock my account. I verified all the info they needed but they did not unlock the account. Besides they discriminated me using discriminative language such as this is done just to you. And other talk down language such as it seems you dont understand this complex concept. 
I reported the incident and that my account has not been open to the supervisor. She promised to contact me another time. From that time I called about 5 times and I couldn't speak to the supervisor. She said she can not provide direct line to resolve the issue but she is the only one who can resolve the issue. However, when I call they tell me she is not available and she never tried to reach out again. 
Recently I paid the accout off and requested for them to unlock my account. They have not unclocked the account and they are threatning to close my account. 
I believe this is just the continuation of discrimination, intimidation and put down to close the account that has been and it is in good condition for more than XXXX. I feel that Capital One is overstepping their authority and they are exercising financial abuse to a good customer for no reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report, names and addresses reported are very wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy in 2017 and my three XXXX accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however Equifax on all three XXXX accounts are reporting balances in error. This is causing a 80 point drop in my Equifax score and I need the balances updated to show {$0.00} owed.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a cell phone debt under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00}