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

Here we are again. More missing money. Attempted to transfer {$98.00} via XXXX on Saturday XX/XX/year> and it said it went through, yet the money has not shown up on the other end. 

Waited until Sunday, money still missing. I go into my portal online in XXXX to review the transaction and it says the money was sent, again money is still missing. 

Today I go into the portal again and it says the transaction is posted and it was sent, it wasn't sent. 

I call XXXX back at XXXX regarding this and I just get a response about limits and that they will hold my money for multiple days until XX/XX/XXXX. This is an XXXX issue. This is not a XXXX issue. They are CHOOSING to put limits on customers accounts and clearly these limits need to be raised. 

My limit on XXXX with XXXX XXXX is $ XXXX month. This is ridiculous. My account is currently overdrawn which I assume XXXX will try to charge an overdraft fee on as they are HOLDING MY MONEY against my will. 

I BEG the CFPB to do something about this. This is absolutely insane that banks can do this. First charging illegal fees for withdrawing from savings, to then charging account service fees because I refused to pay the illegal fees charged now they are holding money without cause.
Product: Mortgage

for years i have been trying to get a lower payment or try to find some solution to help bring my mortgage back current with the mortgagee without having to pay all the past due amount in one payment. being in and out of work it is illogical that i have that type of money laying around the house. Loan care has had me in endless reviews and never giving me a solution. they have been not willingly and viciously denying me for any assistance and have scheduled an auction sale date an abundant amount of times. i have explained the financial difficulties both medically and financially and they are not willing to help me at all. i am about to lose my home in which i am not happy about. loancare is going to leave me and my family homeless. everytime i am asked to send in a package they are required to have in order to review my case they always asked for endless information and information that has been sent to them numerous amount of times. they always close out my case and deny me due to never recieving the documents on time. when they have it in their records that they have been received. i need help from authority at this point to help me save my home and help me get the correct assistance i need from my lender. they ignore middle class & minorities like myself and my family. it is not fair i have to go through this when all i am asking for is help. i am not purposley missing or failing to make the promised mortgage payments. i simply was not able to at the time. my husband and myself are now employed and are able to keep up with the mortgage but we need help to come to some sort of agreement with Loancare for an affordable payment. they know as i have been providing them endless information that when the loan was acquired i was in my first marriage which failed and lost that source of income. shortly after i lost my employment. however since then i have been asking Loan care to help me and they just do not like minorities and are not willing to help in any way. i am remarried and again both have steady income. i just need the consistent help of Loancare as i have consistently been asking them to help me. please I NEED HELP TO KEEP AND SAVE MY HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complain this becaus the dates are inaccurate thus making this account on a late status. This are the dates. 

Month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 60 30 OK XXXX  XXXX 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 60 30 OK
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score from XXXX submitted to a mortgage company is at 'XXXX  ' ( TransUnion ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

I have a Credit Card with Capital One ( Card Ending with XXXX ) and have a 0 % Balance Transfer. On my Statement, I can see the " Promo Purchase in Grace '', along with Percentage Rate ( 0.00 % ) Balance Subject to Interest Rate, and interest Charged ( 0.00 % ) Nowhere does it show the Expiration Date of this Promo Balance. I have looked online at my billing statement, as well as my paper copy. I have called EVERY MONTH after receiving my statement and explain the same complaint to no avail. Every other Card shows when the promotion expires, which leads me to the belief, that Capital One hopes that date will be MISSED They have no problem supplying the following information Previous Balance Payments Other Credits Transactions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX As well as Payment Due Date New Balance Interest Saver Payment Minimum Payment Due. 

I have spoken to Representatives, Supervisors and they all agree that this is an issue, yet No One can do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EQUIFAX about my credit score going down 82 points with NO REASON. I have NO new accounts ive been working on my credit for the past few years. My credit score with XXXX  is CORRECT XXXX pts BUT my credit score with EQUIFAX was XXXX  a week ago and i checked yesterday and it went down 82 points since last week with NO APPARANT REASON. I contacted EQUIFAX filed a complaint. They couldn't give me a reason. My score with EQUIFAX is now INCORRECT please i need help ive been working on repairing my credit SCORE and ive been doing good, I need assistance with resolving this issue with EQUIFAX please.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, Ga, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report. The account in question is XXXX, with a reported balance of {$570.00} and noted as Placed for Collection. After reviewing my credit report, I have identified the following inaccuracies : 1. Payment History : The account is marked as having been placed for collection ; however, the payment history reflects that I made 100 % of payments on time. This inconsistency suggests an error in the reporting of the accounts collection status.

2. Account Status : The account is noted as closed on XX/XX/XXXX, and placed for collection. However, the information provided does not match my records, and I have no knowledge of any outstanding balance that would justify this status. 
XXXX. Reported Balance : The reported balance of {$570.00} is inaccurate based on my records, and there is no explanation for this amount or proof of its validity. 
These errors are significant and negatively impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
To assist with your investigation, I have attached the following documentation : A copy of my credit report with the XXXX account highlighted Relevant supporting documents regarding this account Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. I would appreciate a detailed explanation of your findings. If further information is needed. 

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Debt collection

Account is PAID, CLOSED but it's negatively affecting my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX 4.XXXX/XXXX XXXX XXXX  XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX   XXXX  XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX/XXXX  XXXX 9.XXXX XXXX XXXX XXXX  10.XXXX-XXXX XXXX XXXX 11.XXXXXXXX XXXX 12.XXXX XXXX XXXX 13.XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX sent new Credit Cards that are Master Cards. We did not ask for these cards. We inquired about the new cards on XX/XX/XXXX at XXXX XXXX located in XXXX XXXX XXXX Iowa the Representative at the Customer Service Counter told us we had to accept the new card and our old card would not work anymore. 
On XXXX XXXX I called the Customer service number on the back of my current XXXX XXXX Credit Card serviced by XXXX bank. The representative I spoke with stated that the new MasterCard was an offer from XXXX XXXX and it could be utilized outside of the XXXX XXXX and Walmart. The representative asked me if I wanted to activate the new Master card. My next questions were do I have to activate the card? Is my old card going away? The response from the representative was no. 
In this instance we were mailed new Credit Cards completely unsolicited, and falsely told by Employees of XXXX XXXX that we must activate the card. 
On the document attached to the Cards it was never declared or explained any of this. No where does it state what is going on with the current Credit Card, and that this new Card is an offer and not mandatory.
Product: Bank account or service

Oh, dear. Where do I start with USAA BANK and all its products. If you want to work with a company that likes to commit major regulation violations, break laws, and ruin consumers lives, this bank is for you. Usaa Bank after being idenity theft and being provided paperwork they not only closed my accounts down illegally they held on to my money for over a month and when it happened they would not give me explanations, they had none. If you are a consumer, RUN! Do not trust them. If you are a federal or state official or work with any government agency you need put them on your hot list.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report, and discovered that there was fraudulent activities on my credit report. Inquiries that didn't belong to me and was fraudulently put on my credit report. Also a fraudulent current address I never lived at. I've disputed several disputes with Equifax about the inquiry ( XXXX XXXX XXXX XXXX ), and the current address that isn't mines and I never lived at this address. On every dispute I summited about correcting the address that isn't mines and deleting what they had as current. They response was to keep the address that was fraudulently put on my credit report with them, and said that I lived there since XXXX. Dispite the DL that I submitted with the dispute shows the date when I updated my DL on XXXX, and my current utility bill matching the address on the DL. On my DL I have a gold star which is placed on your DL in XXXX  when you show proof of your residence. I also summited a FTC report I filed and was completely ignored. The recent dispute report ( Confirmation # XXXX ) that was completed on XXXX. I tried summiting, but it wouldn't upload because the file too big. I disputed as a fraudulent address and fraudulent inquiry with the FTC report, and still ignored the facts. They are in violation and continually ignoring the law and my rights. I need these issues resolved, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. 

On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. 

On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. 

If they would have told me that is not covered I would not have done the procedure.
Product: Debt collection

1. After stating that I could not pay any of my debt until XXXX XXXX, the debt collector kept asking me to pay half of it this week. 
2. Debt collector kept asking for checking account and debit card information AFTER I stated that it was not with me.
Product: Credit reporting 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. 

XXXX XXXXXXXX XXXX  : {$2500.00} XXXX looked at my Transunion 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Product: Debt collection

I am writing to you once again regarding the persistent presence of charged off accounts on my credit report. Despite my repeated attempts to rectify this matter, it appears that no action has been taken by your company to address this issue. Frankly, I am beyond frustrated and deeply annoyed by your lack of response and inaction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have sent in police reports and arrest records and final investigation reports from the XXXX. I have sent in documents stating I have never had an account with the merchant. My account was used fraudulently and unauthorized and they keep denying my claim. I have been disputing this since XX/XX/XXXX of 2022.
Product: Checking or savings account

In XX/XX/2018 my divorce was final and I was ordered to close my accoount with Zions bank. It took me a few months to attempt to stop my direct deposits and I made my best attempt to cancel recurring debits and I closed my account with Zions bank. 

A small recurring charge came through from a service from XXXX and the account reopened without my knowledge and I wasn't able to access the website because of password issues even after several attempts trying to gain access to their website so i can keep track of any transactions. 

I was sent a letter indicating there where overdraft and over limit fees of mopre than {$200.00}. I called customer and they where only able to waive part of the balance and I had to go to a local branch to see if they would bne willing to adjust more of the balance. The branch manager reviewed the account and advised me that since the account was opened online I would need to contact the Online account department.

I would continue to get this run around and new fees were being added to the account. I believe that this practice Zions bank futher caused the balance to increase making the problem worse This is a scam to make more money in fees from consumers
Product: Credit reporting or other personal consumer reports

This account is being reported inaccurately by Equifax, Experian and Transunion. This account is not in compliance with FCRA LAWS and IRS regulations, potential fraud by this creditor.
Product: Credit reporting

I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this.
Product: Debt collection

I have a Wells Fargo Credit card that went into collection & now have a judgement against me. Which I just found out. 

On XXXX XXXX, 2017 Wells Fargo legal recovery set-off went into my checking & savings account. Took all my money leaving {$100.00} to live on. 
Totaling {$5800.00} gone! 

Can they do that?
Product: Debt collection

This is a bill for a therapy session which I was virtual. I waited for the therapist and called them several times that there was no therapist online. They charged me XXXX dollars and then kept sending this bill for XXXX dollars for missing the session. I already paid XXXX dollars that they should reimburse me back since they never provided the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps violating my rights by keeping an account named : XXXX XXXX on my credit report which is inaccurate account showing 2 different accounts number and terms and they keep saying the account its verified by creditor when its a lie I will be providing bellow the proof that the account has errors and should be deleted immediately and permanently by law
Product: Credit reporting or other personal consumer reports

PROPER REINVESTIGATION DID NOT HAPPEN FOR 4 ACCOUNTS I DISPUTED UNDER THE FCRA. THIS WILLFULL NONCOMPLIACE & FAILURE TO INVESTIGATE ( THIS IS PART OF THE OTHER NOTICE THAT WAS SENT TO YOUR COMPNAY YESTERDAY )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements. 

Attached is a copy of FTC report Respectfully, XXXX