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

I did a mobile deposit of a check for {$6500.00} on XX/XX/19, was told the money was being held for 7 business days. I called the bank the check was written from the next business day, they informed me that the funds had already cleared. I then called the receiving bank back to find out if I could have someone from the sending bank fax or call to verify the funds had cleared and the check was legit, and was given the run around by two different associates. I deposited another {$350.00} via money order to an ATM on XX/XX/19 to cover payments I already had scheduled to come out of the account the following day. I would have deposited cash, however I had already purchased a money order to pay rent with and had no way to cash it as all the branches in my area had closed by the time I got out of work. At no time did the ATM inform me this wasnt an acceptable way to deposit funds, and it accepted the money order. I did not find out until the transaction finalized, the money order was no unretrievable, and my receipt printed that this money was to be held for 10 business days! At no point during the transaction was I informed the funds wouldnt be available. I called the bank to speak with someone about lifting the hold on these funds and was again told that they needed to verify the funds ( even though a money order IS verified funds. ) The scheduled payments came out of my account and caused my account to go negative. The {$6500.00} then posted on XX/XX/19. However, I was charged a {$35.00} fee for the returned payment, as well as a {$20.00} fee from my utility company for the returned payment. This is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate and Inconsistent Reporting for XXXX XXXX XXXX Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my XXXXXXXX XXXX XXXX account on my credit report. XXXX informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : XXXX. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a XXXX for the forgiven balance. 
XXXX. The account is not marked as Paid in Full as XXXX promised, which violates the terms communicated in their letter. 
XXXX. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}. 

This reporting contradicts the information provided by XXXX and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I don't know anything about them, and the company proceeded without my agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Trans Union a n otarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA sect ion 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 .  If you have no proof immediately of any or one, I would like it removed immediately. Trans Union has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Product: Credit reporting or other personal consumer reports

With Experian I will dispute something for something else, usually the date is incorrect, and Experian will resubmit as brand-new account ( usually XXXX yr account ) and will bring my credit score way down from it. Experian has been doing this to me forever, but I feel like it was a consequence for disputing an error. If you look at the reason for score reports dropping it will advise numerous new reports, but none are new, some are even about to fall off. Now they don't even have the original info it has just has it as new. They refuse then to even look at it again because it's disputing the same thing. I wish I could submit a report I had previous with the date it falls off the original creditor ( in a lot of cases that is removed ) and the pay history is removed, just shows new collection started in XX/XX/XXXX. I went back and forth with them with most and they don't help me and they don't confirm the data is correct. Example : I had a light bill for XXXX, I was in all bills paid apartments in that time and a year previous. I disputed and now it shows as XX/XX/XXXX, new. I feel like they are at war with me and it's not fair we have no choices in the matter nor are they held accountable. Also they will have an old loan on there and a new debt collector will take over and it shows as new and sometimes even has both on there unless I dispute it. 
I haven't had any bad reporting in a while and I don't believe they investigate at all ; it's just deal it- we confirmed as correct. There is so much more... I could write a book.
Product: Debt collection

XX/XX/XXXX, I received, from XXXX, XXXX, XXXX XXXX XXXX, XXXX, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was XXXX years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only XXXX years old in XX/XX/XXXX.
Product: Student loan

I have been informed that my current loans will transfer from Great Lakes to Nelnet on XX/XX/XXXX. The problem is that they are claiming they are loan transfers which I do not have a problem with. After digging for more information online I have learned that in actuality they wont be transferring my loan. They will be closing my loan which is one of my oldest credit lines ( 12 years. ) Then Nelnet will be opening a new account in my name ( without my authorization ) with the same loan terms. How is this legal? Nelnet owns Great Lakes so why cant they just transfer the current loans as they are? I have spoken to customer service for Great Lakes on XXXX and they said there is nothing they can do. Again, this is not a loan transfer. This is the closing of one loan and opening another without my permission. This will drastically affect my credit history length and I am 100 % against allowing them to open a new loan in my name.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had my XXXX XXXX payments switched to a us bank relicard debt card since we are closing our XXXX XXXX account where the XXXX XXXX payments used to be deposited. The XXXX XXXX account was closed so I had a refund ( {$180.00} ) from a dentist office sent to my new relicard. The us bank then froze my account, not allowing me to use my XXXX XXXX because they claimed no deposits can be applied to the relicard unless government funded. They also claimed those instructions where on the form that was sent with my relicard and i should have been notified of this. I have the form in front of me and can send a copy that does NOT state this anywhere. They have froze my XXXX XXXX account because I can not supply a receipt of an over the phone deposit from the dentist office. This is my money and I need access to it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> m I recently reviewed my consumer credit reports, and noticed this company LVNV # XXXX, is listed as original creditor. When another one of my credit profiles listed them to be the " buyer of debt '' to this account, as well as another company being listed the " original creditor '' under this same account number. How can two companies be the " original creditor ''? they cant! and this is being reported inaccurately on my consumer profile and is a violation of my consumer rights under the FAIR CREDIT ACT that I have the right to my credit file being reported fairly and accurately. I called LVNV, gave them my first and last name and my telephone number and proceeded to request the original purchase agreement and or contract with my wet signature with the account number provided to them from my consumer report so that I could properly verify this account. They proceeded to request other personal information from me over the phone. Being they are listed on my credit profile as " original creditor '' and " buyer of debt '' I feel this is or was an attempt to commit fraud by this company being they could not verify who they were to me and stated that this was an attempt to collect a debt. Under 15 USC 6802 I was not notified by this alleged company listed nor made aware in any way that this account would be reported to the Credit Bureaus nor was I given any opportunity to OPT out of said account being reported on my consumer report. I have no recollection of such account. Being that they refused to verify this account with me ( this is breaking the law ) under The Fair Reporting Credit Act ( FRCT ) Also under 15 USC 1681b, specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports as defined by the ( FCRA ) which means, the credit agencies must have written instruction by me " the consumer '' that I am allowing you or your company put this on my consumer report. I've never sent any letter of consent to any of these agencies, if so they need to verify such letter otherwise please remove this account from my consumer report immediately.
Product: Money transfer, virtual currency, or money service

I have sent to coinbase pro service XXXX DAI. They have a policy that the deposit will remain pending for 35 block confirmations on the ethereum block chain before you have access to your funds. It has now been 48 hours and 12,000 block confirmations and coinbase still holds my deposit in " pending '' status. I have contacted them no less than 20 times and each time they send me a link to their policy saying I must wait 35 block confirmations. I have yet to get a real response from them other than they will close my account if I do not stop " abusing them ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear WSFS, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 
What authority if any does WSFS, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my report.Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Consumer adjustment company, added this collection to my report in XX/XX/XXXX, this account was charged off and sold, account was opened in XX/XX/XXXX, this is not my account from XXXX XXXX XXXX I currently have a couple of credit cards with XXXX XXXX XXXX in excellent standing, this account was sold,, collection company trying to collect on a already paid account by insurance, which is illegal to try and collect again on a fraudulent account, did not get in touch with consumer stating account was opened, no knowledge, would like this deleted from all reports, I have already told collection agency I need proof and my signature when this account was opened, never heard anything back this happened more than 30 days ago.please investigate, I have been a victim of several data breaches where all my personal information was exposed.please remove from this fraudulent collection from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I have never conducted business with Capital One in regards to these specific accounts, nor have I ever applied for or received any credit cards or loans from them related to these accounts. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that Capital One : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to Capital One related to these accounts, and any attempts to collect payment are unwarranted and unwelcome.
Product: Debt collection

Before I asked for debt validation, they used to call me very frequently and the language that was used was as if they were attorney 's collecting on a debt by representing the original company. 

After I asked for debt validation and they sent me the paperwork, the letter had, " XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ''. 

They sent this information in XXXX XXXX XXXX after I requested this information a few months ago. 

My main issue is that they present themselves as attorneys over the phone and in writing and this information is n't correct. 
Lastly, I do not claim this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009
Product: Credit reporting or other personal consumer reports

XXXX XXXXDate OpenedXXXXBalance {$310.00} & Date Opened XXXXBalance $ XXXXIdentify thief i advise them this wasnt me and disputed CAPITAL ONE-XXXX XXXX Balance & XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance. {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX  $ Police report was file when my SS and passport was stolen
Product: Payday loan, title loan, or personal loan

Beginning in XX/XX/XXXX until XXXX 2017.

My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.
Product: Credit card

On XX/XX/XXXX, I stayed at XXXX XXXX XXXX XXXX and provided my Cash App card for a {$50.00} incidental hold. XXXX XXXX released the hold on XX/XX/XXXX, and provided me with an authorization code confirming the release. 

Despite this, Cash App has refused to release my funds. I have contacted Cash App multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) providing the authorization code XXXX and proof from the hotel that the hold was lifted ( final hotel folio with final charge ). However, Cash App continues to claim they can not take action, even though I have previously stayed at another XXXX XXXX in XXXX, VA on XX/XX/XXXX, using the same Cash App card, and the incidental hold from that stay was released within two days. 

Cash App has ignored clear proof, repeatedly provided copy-paste responses, and ultimately closed my case without resolving the issue or escalating it to an appropriate department. Their customer service refuses to acknowledge my valid claim or take responsibility for their failure to process the release of funds in a timely manner. 

I am requesting immediate action from Cash App to release my {$50.00}, as it has been held for nearly three weeks despite being cleared by the merchant. Additionally, I believe Cash Apps failure to properly process authorization holds and their refusal to assist customers in these matters constitutes an unfair financial practice. 

I would like the CFPB to investigate Cash Apps handling of pending transactions and delayed releases of funds, as this appears to be a recurring issue based on other customer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau 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. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit card or prepaid card

In the past Ive had trouble with the law but I have changed my life and fixed my credit to be a great score, Ive applied for a credit card company which was capital one they approved me for a {$500.00} limit and ive made on time payments and have used the card and have been very responsible. Today XX/XX/2022 I was going to make a payment to my credit card and I was informed that my card was shut down due to me having a federal case open for past actions not relating to any credit cards or financial institutions. Capital one approved me for a credit card while having my federal case open so Im confused why months later they decided to close my card and I havent done anything to have them do that. This is very unfair and illegal, if the credit card company had a problem with it before they should of denied me from when I first applied .This is very devastating and unfair as I am trying to become a changed person and build my future life and for my XXXX kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}