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

All of a sudden US Bank, without a notice, without a warning and using XXXX  decisions US Bank put my account on hold. 
Only today, when i was checking my Salary deposit  into my account I realized they put a hold on my account. My Salary was not able to be deposited into my account. 
I contacted the phone number saying i should contact but they could not provide me an answer why was my account on hold. 
I was transferred to Fraud Department for further assistance but they too said they do not know why my account was frozen. And i was informed to contact nearest Branch  to clarify the situation. 
I went to the nearest Branch, where I was told my account was on hold and they will delete the account and that they will send me a check with my balance. 
I explained to the Branch  that my salary  was prevented from being installed into my account and that i have loan payments and other financial obligations related to my account but they said they have no solution and refused to provide me with my money in the account. 
Then they explained that i was a joint holder with another account that had an issue that is being resolved as we speak. When asked what is the relevance of the other account holder to my personal account they could not provide a reasonable answer. They explained the other person 's account problem is being resolved and will be clarified but would take a week to clarify. 
I explained to the Branch i had salary to get and it is direct deposit so now it is lost in the cyber space and will take time to re allocated or to be paid and that i have financial obligations coming up but in vain. They said the Branch could do nothing and that it is a stupid blunder at the main office that they could do nothing about it. 
So practically in the USA i am denied access to my money ... ... ... and i thought that happens only in the place i immigrated from, a third world country under XXXX laws. 
I think the Branch decision was carried out by ethnically and racially profiling me. 
If they close the account i lose all my credit history, my credit score will fall down, my financial fees will rise and my plans to buy an apartment or a lot will be jeopardized. 
I am neglecting now my job and my study, i have college exams, and i am emotionally outraged about the situation. My ability to meet my monthly financial obligations is compromised and so my financial reputation will suffer.
Product: Credit reporting

I have written several letters to the creditor ; XXXX and to TransUnion disputing the validity of the information that I found on my credit report. The first dispute letter was sent on XXXX XXXX disputing the claim. They received the letter on XXXX XXXX, 2016. At that time I asked for validation of the claim, some form of contract or signature bearing my name. Their response was that they had verified the claim with the creditor. But they failed to supply any written documentation or explanation who they spoke with and what means were used for validation. I sent a follow-up letter on XXXX XXXX, 2016 asking them to provide me with the name, address and phone number of the person ( s ) that they contacted at XXXX XXXX and gave them 15 days to respond. They have yet to send me anything. 
I have also sent letters to XXXX requesting the same information and they have failed to even respond. 
This clearly indicates that TransUnion could have not validated the information and is clearly not in compliance with the credit laws. XXXX and XXXX have both sent letters admitting that they could not verify and have deleted the information from my credit file.
Product: Credit card or prepaid card

On XX/XX/22 I contacted PNC Bank credit department in regards to incorrect late fees on my credit card account. I had money in my primary account to pay the bill but it did not go through and came out as " error '' on their end resulting in me getting 3 late fees of {$27.00}. I was refunded one and told that they would not refund the others even though it was not on me that the errors occurred and I was not at fault. That they could not go back to XXXX or XXXX and refund the other two {$27.00} late fees. These are fees that I was told were not due to any fault of my own or lack of funds in the account but bank errors. So why am I being forced to pay them? I was also treated incredibly rude by XXXX and told she would not transfer me to anyone else to speak to and that, " I could call the customer service number back and speak to someone else '' same number I was on with for an hour already. I did call back and do another complaint against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 put in a dispute on XX/XX/2022 with experian about XXXX XXXX. I made multiple dispute because the date of last activity was wrong and I been asking them to update to the right information. When I submitted a request for a dispute XXXX XXXX the resolution date was XX/XX/2022. I spoke to multiple experian employees like XXXX XXXX on XXXX XXXX at XXXX and she said XXXX XXXX have not responded to their request. I said to her by law if the XXXX of XXXX come within 2 days if they don't respond by law you have to delete this account she agreed and told me to call back the XXXX of XXXX. I called back and spoke to XXXX on XX/XX/2022 at around XXXX am. XXXX XXXX was going to delete it and she told me because it's pending call back so it can be deleted. From then they gave me the run around I spoke to multiple people some say XXXX XXXX never responded and they tried to delete it and they were taken back at the fact that they could not delete it. When they put me on to the auperviaors the claimed they claimed that XXXX XXXX responded in the evening on the XXXX of XXXX. It was a back and forth and I told them by law they have to delete. I called XXXX XXXX  and spoke to multiple employees and they all told me the same thing that they have not been in correspondence with experian. XXXX XXXX stated that on XX/XX/2022 experian reach out to them to validate my dispute, XXXX XXXX  said they never responded them and XX/XX/XXXX bo one from the company was in correspondence with experian. Experian is in violation of my consumer right and law. I have recording of all conversation between experian employee agreeing to delete but could and premier employee stating that they never corresponded to experian. Please take this very serious. Experian are during lots of untruthful things. According to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
If they are not doing right by their consumers how am I supposed to trust. Experian is incompliance with fcra and they are breaking law. Please tell me where I can send these recordings to? To prove my case.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$770.00} with XXXX XXXXXXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXXXXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX XXXX Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax : Account Name : XXXX XXXX Account # XXXX Date Open XXXX XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX Equifax fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on GUILD MTGE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX  XXXX and XXXX ACCOUNT NUMBER : XXXX Credit Acceptance ACCOUNT NUMBER : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 602 A. It also states a consumer reporting agency can not furnish a account without my written consent 15 USC 1681c ( a ) ( c ) states no Consumer reporting agency may have any consumer report containing any of the following : Items of information. Any other adverse item of information other than records of convictions or crimes which dates the reporting more than seven years.
Product: Credit reporting or other personal consumer reports

Hello, this is a follow-up to my other complaint with Experian. The CFPB case number is XXXX. 

Experian is the ONLY credit reporting Agency that will not allow me to print my FREE annual Credit Report from AnnualCreditReport.com. I have no issue with XXXX or XXXX. As I have stated Experian has held me HOSTAGE for years and I want it to stop NOW. They need to remove whatever they are doing to me as a US Citizen. Again if all these blocks are not removed I will hire legal counsel and take this to court for the stress and harm they have caused me over the years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called on sereveral occasion, XXXX XXXX XXXX  would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XX/XX/2018, XXXX XXXX and XX/XX/2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX and broke the law. We filed XX/XX/2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of people.
Product: Credit card

I filed CFPB complaint XXXX on or around XXXX XX/XX/XXXX. American Express closed out CFPB complaint XXXX on or around XXXX XX/XX/XXXX claiming it to be a duplicate of XXXX. It's not. In its response to XXXX AMEX provided a table of payment history on or around XXXX XX/XX/XXXX. That table shows a how AMEX is reporting the information for the account/tradeline to the CRAs. The table is filled with errors. CFPB complaint XXXX addressed the errors in the table. Any reasonable individual can look at the table and see the errors. For example if an account reports as allegedly thirty ( 30 ) days past-due in XX/XX/XXXX, and assuming no payment was made within the billing cycle, how can the account be one-hundred twenty ( 120 ) days past-due at the conclusion of the billing cycle? Even if XXXX ( XXXX ) payment was made during that billing cycle, 30 + 30 does not equal 120. Yet, that's what AMEX is furnishing to the CRAs, and what AMEX closed out XXXX without addressing. Moreover, if the account is alleged to be charged off on or around XXXX XX/XX/XXXX, how is it possible for the account to have a date of first delinquency of XX/XX/XXXX? That's the date AMEX continues to verify with XXXX and XXXXFinally, if the account is alleged to be charged-off on or around XXXX XX/XX/XXXX, how is it possible for the account to be reported as a charged-off account only beginning XX/XX/XXXX? All of this smells of unfair and unlawful acts and practices on the part of American Express who has failed on multiple occasions to correct the inaccurate information its furnishing for the account/tradeline.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Checking or savings account

union bank mis directed funds without my consent., over drafted the account now the have sent it to collection to the XXXX XXXX XXXX
Product: Mortgage

Citizens XXXX Home Loans is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining CCO Mortagage ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '' if I agreed to pay a XXXX time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my credit report. Citizens is reporting a XXXX balance and a collection/charge-off. XXXX indicate a recourse as to a deficiency on loan. This is a violation of the agreement enclosed ; Citizens is required by law and agreement to remove any and all derogatory comments from all credit reporting agencies as they constitute a recourse for a creditor to report a deficiency on a loan.
Product: Credit reporting or other personal consumer reports

I noticed several charges on my XXXX  XXXX XXXX  XXXX  accounts that wasnt made by me or authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Never received an investigation report as required by FCRA. Never received copies of the testimony submitted to three credit bureaus as required by Metro-2 and E-Oscar.

I requested investigation of my account directly with a furnisher and CRA .Both failed to maintain reasonable and prescribed procedures.

Please see attached correspondence. 
Direct Disputes Rule : XXXX. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in 2003, it allowed consumers to also file disputes directly with the furnisher.35 Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; ( 3 ) the consumer 's performance or other conduct concerning an account or other relationship with the furnisher ; or ( 4 ) any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
If the furnisher does not find the dispute frivolous or irrelevant, the furnisher must review all relevant information provided by the consumer in the dispute notice and conduct a reasonable investigation. The furnisher has 30 days from receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.41 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX 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: Checking or savings account

As a client of Truist Bank I noticed suspicious activity on my checking account with use of unauthorized debit card transactions from XXXX on XX/XX/year>. On that same day of XX/XX/year> I immediately called XXXX and was told they were not able to assist me since it's a bank matter. On XX/XX/year> I contacted the bank immediately and reported a claim to the Fraud Department in the amount of {$640.00} ( Claim # XXXX ) However, on XX/XX/year> after their review Truist mailed me a letter stating, due to the timeframe a determination was made that the transactions were not reported in the required amount of time and a credit of {$30.00} was credited back to my account. That same day on XX/XX/year> I called and spoke with Supervisor XXXX XXXX to inquire what is the timeframe and why was the full amount not credited back to my account. I was told the claim needed to be reviewed again since Truist indeed allows 60 days from the time the fraudulent charges were made reporting the suspicious charges. After waiting a week of no response I contacted Truist once again on XX/XX/year> and spoke with another Supervisor XXXX and was told a second review was submitted. After another a few days of waiting I contacted the bank again and spoke with a third supervisor named XXXX and was told the claim was denied due to the timeframe. I attempted to dispute the matter with several calls and emails and once again was told it was denied from the Analyst Department with no explanation supporting the 60 day policy. Upon reviewing my bank statements out of {$640.00} of fraudulent bank charges, {$520.00} were charged and reported within the 60 day timeframe. Truist is refusing to refund charges and not honoring their policy. Can you please help review this matter.
Product: Debt collection

Submitted a complaint on one debt collector and they switched debt collectors. Now calling from XXXX XXXX. The debt is not mine. Have never had a debt with BOA. I have never acknowledged this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection on my credit report from about 4 years ago from XXXX XXXX and electric in which belongs to my mother. I have been disputing it ever since it was originally added to my credit report because it does not belong to me. On XX/XX/XXXX my dispute finally was accepted and the account was deleted, the creditor at this time was called XXXX XXXX XXXX. About a week ago ( around XX/XX/XXXX ) the collection was added back to credit report after it being OVER A YEAR and now has a new creditor called I C System. Now the collection is saying it was opened in XX/XX/XXXX which is totally inaccurate from when it was originally on my account and i would have to wait another 7 years for it to drop if it is not resolved. Also it was deleted originally for false information and its been over a year why was it added again with a new creditor a year later. Im highly upset.