23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive been trying to use my Bluebird debit card for 2 days but they arent allowing me access to my funds. Theyre saying I exceeded my yearly spending limits. A manger from Bluebird itemized every transaction and it came {$20000.00} short from my yearly limit since XX/XX/1922. Ive spend 15 hours with them on the phone with no resolve. They refuse to show me the math of how, according to Bluebird, the limits were exceeded. But their own agent and I actually went line my line and added it up. Its no where near exceeding limits. They are holding my funds and will not allow me to access them. The only money uploaded to this card is for direct deposit, so if I havent deposited XXXX then how can I spend $ XXXX? They ae holding the income I use to pay my bills.
Product: Credit reporting or other personal consumer reports

Transunion is not accessible. I am unable to confirm if my credit freeze is in place with Transunion. Background : I received notice from my paid identity theft service that my SS # was found on the dark web. XXXX and XXXX were easily accessible and log-in and confirmation of the freeze was as expected. Transunion was impossible to access using NUMEROUS login attempts and two phone call attempts. Worse, the phone robot required me to voice private identification information including my FULL social security number which caused XXXX  about whether or not the phone messaging is legitimate. 

Since I can not access help from Transunion, I turn to you. Please advise. 
Sincerely, XXXX XXXX XXXX XXXX, NC
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Citibank, N.A., Best Buy ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Citibank, N.A., Best Buy is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my XXXX XXXX and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I made an agreement with CESI XXXX to consolidate and pay off 3 of my credit cards. They started making payments on my behalf until XX/XX/XXXX when I was told that all XXXX cards were paid off. Sometime in the spring of XXXX I started receiving letters from the XXXX XXXX XXXX stating that I owed {$1300.00} on a credit card from XXXX XXXX XXXX which was one of the credit cards that was supposed to have been paid off by CESI XXXX. I have spoke to CESI XXXX numerous times and they assured me that the debt was paid. They sent me a summary of all the payments ( Attach A ) they made stating that the balance they got from my credit report in XXXX was {$550.00} and since the card only had a {$400.00} limit, the collection agency ( XXXX ) was mistaken. Satisfied with this explanation I ignored the letters thinking it was some sort of scam. Around XX/XX/XXXX I started receiving letters from XXXX XXXX XXXX regarding the same XXXX XXXX XXXX debt. I requested my credit report from XXXX, XXXX and XXXX and all 3 said I did owe this amount ( Attach B ). I called CESI and they again assured me the debt was paid and they offered to send the list of payments they made to XXXX XXXXXXXX XXXX with check numbers and dates the checks were cleared to prove that the debt was paid ( Attach F ). I called XXXX to tell them I was disputing the debt and that CESI would fax them proof of the payments made to the account. XXXX claims they never received the fax even though CESI claims they sent it several times and received confirmations that it went through. I also called XXXX XXXXXXXX XXXX to request information about the balance because I didn't understand how a card with a {$400.00} limit could carry a balance of {$1300.00}. They said they couldn't give me any information because the account was closed and sold into collections and the collection agency would have all that information. When I called XXXX  to get a detailed summary of how the balance had grown to such a large amount they just sent another copy of the same statements I had already been getting for several months ( Attach C, D & E ). Lastly I asked CESI if they had a copy of the agreement they made with XXXX XXXXXXXX XXXX regarding the monthly payment amounts they would accept as part of my consolidation and CESI told me no. I only asked this because when I looked closer at my credit report the amount listed as the scheduled payment each month is much higher than the amount listed as the payment made ( Attach G & H ). I suspect this may be the problem but I can not get any more information from XXXX XXXXXXXX XXXX or XXXX and CESI insists they are not at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and experian with XXXX XXXX bank under the fair credit act 15USC 1681A
Product: Checking or savings account

Chase bank put a XXXX week hold on my check. I started a business checking and had deposited my first check for {$350000.00}, the issuing bank is bank, released the funds and have no problems. But chase wants to speak to my client. I offered to give them the phone number but it wasnt coming up under his name with their system. Their system needs an update. So they are holding my funds indefinitely until I can get his number to show up in there system before calling
Product: Mortgage

I received notice from Carrington Mortgage Services LLC that my monthly payment would increase by {$12.00} per month for the next year to cover anticipated escrow charges. I offered to send in a check for {$140.00} to cover the next year 's escrow. Carrington representatives XXXX XXXX and XXXX ) told me it did n't matter what I sent in the payments would not change. The company refused to offer this basic customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy Account # 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 furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about a fraudulent and unauthorized credit inquiry appearing on my credit report. This inquiry was made without my consent or knowledge, and its presence is negatively impacting me as it might suggest potential identity theft.
Product: Mortgage

YOUR COMPLAINT Unfair mortgage modification complaint Against Mr. Cooper Mortgage XX/XX/2022 XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX This is an update of our complaint : Your office has requested to stay involved in this matter. 
TO WHOM IT MAY CONCERN.

As you requested that we give us updated on this case. As of now the sale date is the XXXX of XXXX. Mr. Cooper refused to grant us a modification, as was recommended by the court. The court ordered a modification on the loan. To enable us to safe our home. The court appointed a mediator. The court mediator did everything to have a workout. But the bank will not cooperate. The bank came up with a monthly payment of over XXXX XXXX  monthly. Knowing very well that is not practicable. The court mediator approved for us to go to the XXXX XXXX XXXX. We are now working with XXXX XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now has refuse to give us the time to finish the process. They have refused to change the sale date. The sale date is the XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX to be completed. XXXX XXXX is the agency that is set up by the government to help people save their home. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX dollar in their tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our resolution. 
Thanks, in anticipation. XXXX XXXX and XXXX XXXX..
Product: Student loan

it says i owe XXXX dollars  with navient from when i was at XXXX XXXX college but when they were in that lawsuit i have pics on my credit reporting showing that it was paid off but navient called me a liar saying there was no lawsuit and saying it wasnt paid off this was all said over emails on their website and over the phone let me remind u in the pics im sending it says ive made payments wich i have not because im struggling these showed up when they had their lawsuit thats how i know it was paid
Product: Prepaid card

Card was denied multiple times and merchant said card company denied the charge. I called AMEX Prepaid gift cards and they were unable to answer why the card was declined. Said they could not replace or refund for at least 10 days
Product: Debt collection

I do not know what happened but I don't recognize Jefferson capital systems. I would like information to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Experian Boost on XX/XX/XXXX. It said if I sign up with Experian Boost my credit score would likely increase by 9 points. It said to choose my bank from a list. My bank was not on their list so I could not proceed with the process. Today I got an email from them stating my credit score decreased by 16 points. Nothing on my credit report changed. I did not charge anything, did not have any late payments, no accounts were closed, nothing! They randomly reduced my credit score after NOT using their service. They may say it is because I had a closed account but that was back in XXXX and my credit was already reduced because of that. That is why I was trying to raise it with Experian Boost.  This is beyond frustrating. This is fraud. I have no control over what they do and what they post. I need to apply for a mortgage and now I am out of the range I need to be. I went from a XXXX to a XXXX over the past couple of months because a credit card company cancelled a card for non-use and then Experian dropped me 16 points for not using their service.
Product: Credit reporting or other personal consumer reports

I contacted Transunion concerning this, they told me to submit a dispute, this has already damaged me by a credit card dropping one of its limits from {$11000.00} to only {$500.00}, I have been denied credit because of it. I have proof that this debt was paid to the original party ( XXXX XXXX ). And they are at a loss why this is with a collection agency on my credit report
Product: Debt collection

I am unaware of the below accounts and inquiries and I did not give any person or company my written or verbal consent to have, use, and or obtain my nonpublic personal information to apply for credit. The FCRA state in XXXX USC XXXX any item the consumer ( me ) declares as fraud SHALL be blocked from reporting within 4 business days of receipt of notice
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. i did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX  XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX  XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX DEPT OF EDUCATION/XXXX  inquired on XX/XX/XXXX DEPT OF EDUCATION/XXXX  XX/XX/XXXX DEPT OF EDUCATIONXXXX XX/XX/XXXX DEPT OF EDUCATIONXXXX XX/XX/XXXX DEPT OF EDUCATION/XXXX  XX/XX/XXXX DEPT OF EDUCATION/XXXX  XX/XX/XXXX DEPT OF EDUCATION/XXXX  XX/XX/XXXX DEPT OF EDUCATION/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I used to have an American Express credit card. Back in XXXX I closed the account. Years later in XXXX I noticed I was still being charged an annual fee for the credit card that I closed. I called American express and opened a claim requesting to close the account and also get reimbursed for the incorrect annual fee they were charging. The service rep saw that I did not use the credit card for years and told me they will close the card and issue a credit. It never happened. They never credited me the annual fee despite the fact I closed the card years ago, and they also never closed my card. I asked them to close my card multiple times. I recently saw they put the card in collections for 2-3 annual fees. This has had a negative impact on my credit score. If we look into my transaction history you can see the card has never been used in years. Also, I was informed that my customer service calls are all recorded so my story can be verified. I am very disappointed with XXXX. This is such an inconvenience and is financially damaging.
Product: Checking or savings account

Last year, Citi offered a {$100.00} bonus for referring a friend to a new Citi personal or business checking account. I referred multiple new clients to Citi but never received the Member-Get-Member bonus. I called Citibank XXXX XXXX XXXX XXXX on XX/XX/XXXX to investigate this issue but still have not received the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification from my credit report monitoring service that someone had fraudulently applied for a line of credit with XXXX XXXX XXXX. This was not me. I contacted XXXX XXXX XXXX and told them it was fraudulent and I also contacted my credit monitoring service. The name and ssn were correct but the address utilized was completely incorrect and I know no one at that address or even in that state.
Product: Debt collection

I advise the company about a XXXX cleaning fee but they still added to report even.after sending me an email agreement. 
Also to have it removed off credit report.
Product: Credit card or prepaid card

I made a mail charge and it was not applied to the right account. My account was charged a late fee and I need it switched to the right account. Please call me at  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate public record information. They failed to do a proper investigation. They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still verifying this information as accurate. The US Bankruptcy court-XXXX ID # XXXX is inaccurate. I attached proof that this information was not verified with the courts. 
I contacted XXXX XXXX a letter via mail on XX/XX/2021 requesting them to verify and provide me with a copy of a contract that I have with their company, bearing my signature, provide me with a copy of my HIPPA release from the medical creditor that releases my medial information to them. Provide me with the first date of delinquency from the original creditor in accordance with FCRA Sec 623 ( a ) ( 5 ) ( A ) ( B ). They violated my HIPPA rights and did not provide me with the requested information. 
Equifax stated they obtained my information from third party vendor, XXXX on XX/XX/2021 but, I put a security freeze on my information on XX/XX/2021 with XXXX. Another Credit Bureau, XXXX, deleted the collection item, XXXX XXXX XXXX, from my credit report, but I thought all your information was obtained from XXXX, like XXXX. please see the attached Equifax dispute results, XXXX security freeze, XXXX account deletion, and also the letter I sent to XXXX XXXX.
Product: Checking or savings account

My account had become overdrawn for a short period of time and was placed with their collections department. I ended up bringing the account current and was under the impression my account was still open and able to be used. XXXX days after bringing the account current, on XX/XX/XXXX, I went into a local branch and deposited {$9000.00} cash, brining my account to a {$9000.00} balance. At the time I made the deposit, I had received no indication that there was any issue with my account, but when I attempted to use those funds later that day, all transactions were being rejected. 

Upon contacting the bank, I was informed that my account was in a " credit only '' status and I was given several answers as to how I could get access to the deposit I had just made ; however, all of them were incorrect. I was informed by their collections department that I had to go into a branch to be informed of how/when I can get access to the funds that I had JUST deposited ; but when I went into the branch, they made several calls and sent emails as I sat there for over an hour ... only to be told to go home and someone would call ... later. They were unable to tell me when that call may come through. 

MANY days later, I received a call from someone at their HQ who said they were looking into it and they would call me the following week ( today ) with more information. When they called today, they again informed me of " work '' they were doing ( or going to do ) and that they hoped to be able to contact me this Friday with more information ; and hoped that the account could be closed and hoped that a check could be cut to reconcile the balance of account. 

How is it possible that my account status could be changed and they could accept CASH funds without informing me of the change in my account status? How can they possibly accept a cash deposit on XX/XX/XXXX without informing me that I would not have access to those funds? How is it possible that they can keep me from accessing those funds for 15 days without being required to inform me of whether or not those funds will be released ; and/or when they may be released ; and/or why they are being withheld? 

They should have rejected the cash deposit or at the very least, informed me that once deposited, those funds will not be accessible until some review is conducted and the decision is put up for review.
Product: Debt collection

I am filing a complaint with the Consumer Financial Protection Bureau regarding a collection account ( XXXX account number XXXX ) on my credit report. Despite multiple requests for verification, I have been denied information about this account. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unverified information on their credit reports. Under FCRA Section 611, if a consumer disputes an item and the creditor can not verify the information within a reasonable time frame, the item must be removed from the credit report. Therefore, I request that this account be promptly removed from my credit report due to its unverified status, as per FCRA regulations.
Product: Money transfer, virtual currency, or money service

A business account was applied for and not only was it rejected the personal account I had never used was also closed. They gave me no reason and stated in the email neither live chat nor phone support would be able to tell me. I'd like to know exactly what I could have possibly done on a service I had never used to warrant account closing, again it was never once used after being open, and the exact message reads out as " Unfortunately, we must inform you that we will be closing your XXXX  account. We are unable to verify your account at this time. Due to compliance standards, we can not disclose the reasons. '' They can not disclose the reason someone who only had an account was suddenly closed and is now also unable to even open another one with them. " Kindly note that you can not open another XXXX account and that our live chat and phone support channels will not be able to provide assistance regarding this matter. ''
Product: Debt collection

Kramer an frank filed wage garnishment against me for XXXX an I owe XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on, XX/XX/year>, and noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX is not complete and accurate. I also did not received a debt validation letter within 30 days as requested and promised and according to the fair debt collection practicing act and under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct and date reported is not accurate. Also I have didnt receive a debt validation letter within 30 days