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

On XXXX/XXXX/XXXX, as XXXX of my XXXX XXXX, I went to my local Chase Bank branch in XXXX, to deposit assessment checks. I was told by the teller that one of the checks had a hold placed on it. It turned out that it was my check, from my account at a credit union. I asked why the hold was placed, and the teller said she did n't know why. I went home, and called my credit union, and they said that there was no reason on their end that a hold should be placed on one of my checks. I returned to the bank, and spoke to one of the bankers, who tried to cancel the hold unsuccessfully. I told the banker I wanted to know WHY the hold was placed, and she said there was no way she could find out the reason, that it was the " back office '' who made these decisions. 

My question is : can they do this to me without telling me why? Because the fact is that they are benefiting from having the money from this check from XXXX to XXXX, when the money will be sent to the XXXX XXXX. If they repeat this action enough times, I would guess that they can make quite a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point
Product: Checking or savings account

I have provided all of the documents and regardless I am still denied access to my account. I have provided the drivers license I was given by the state of Illinois. You are denying me again. Request for more documents. I dont have the debit card from my account that was closed and I was denied access to since XX/XX/XXXX. I am homeless now and I am without any explanation to where the XXXX {$50000.00} of my money went. I am locked out of my account and have been since I inquired about it back in XXXX of XXXX. I want to know where my money went. I am fed up of asking. Chime is nothing but a scam. I reported to chime fraud department nothing. Reported to XXXX  and nothing came from that other than Chime wanted to fix issue directly without XXXX  involvement. I resent all identification documents to be still months later nowhere as before. Chime is a scam and no customer service for their customers. They just simply cut you off and ignore the situation when questioned. I want my {$50000.00} Chime. I am homeless now because of you. If I would have had my funds available I would have been able to remain off the street and have a home. Shame on you.
Product: Mortgage

Lender informed me that I had to pay a penalty ( of about {$400.00} ) for extending the closing date. It is of no fault of mine that the closing date must be extended. The extension of the closing date is due to lender. Lender was not able to order the final inspection until a notice was received by the seller that it had been complete. Seller did not receive the amendment for repairs until about a month after the initial inspection. That is where the main delay happened.
Product: Debt collection

I took time to write dispute letter about debt no response and it was never taken off credit. The third party company threatened jail time calling constantly. It recked my XXXX XXXX XXXX XXXXXXXX was on rise at all times about this XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX **** Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an Apple Card using their automated process through XXXX. I attempted to make payments through online methods with no success. I found out that XXXX XXXX is only available on an XXXX and not accessible through my XXXX or XXXX. I finally was able to reach a rep on XX/XX/XXXX who took my payment over the phone. She told me my payment was processed. In XXXX, I received a late notice and I called on XX/XX/XXXX to find out why my payment was processed. I was told my account information was incorrect and they would process my payment and put me on automatic payments so that I didn't have to continue to call in. I had my credit pulled for a refi on XX/XX/XXXX to find out they have reported a 60 day late and the balance due ( even though Apple finally shows it paid in full ). Apple does not have convenient access to pay AND told me on a recorded line that they have no way to verify over the phone if the information was input correctly. This is impossible to believe, the rep on the phone should be notified account information is not correct before telling me my payment has been processed. I was never notified it didn't go through until my next late notice. Although Apple/Goldman Sacs has stated that it was not their error and they can not change the reporting, they refunded my interest charges for their " error ''.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report back on XX/XX/2023 and noticed that things were incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. Theyre breaking Federal Law!

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 1681e ( b ) i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ( ii ) the information is in fact, inaccurate.

This is unfair and if theyre doing this to me imagine who else theyre doing this to. Can you please fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account entry with both the credit bureaus and XXXX XXXX XXXX as they are reporting this as XXXX XXXX on my XXXX report. In XX/XX/XXXX, I noticed that XXXX XXXX ( XXXX XXXX XXXX ) had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my entry to XXXX XXXX XXXX addressed as XXXX XXXX in my letter dated XX/XX/XXXX and XX/XX/XXXX since this is the reporting that XXXX  is doing. This is inaccurate and misleading. XXXX should be reporting as the reporting agency. To date, I have not received any correspondence from XXXX XXXX regarding my dispute. See attached documentation that reflects the company indeed received my dispute, yet failed to respond. 

XXXX XXXX XXXX ( XXXX XXXX ) reports no payment history on my report, which is yet another inaccuracy. If an account was opened and they are stating it is a collection account, it should have payment history. VIOLATION AND I WANT THIS ENTRY DELETED IMMEDIATELY!! THERE IS NO VERACITY IN THE INACCURATE REPORTING OF THIS ENTRY!! 

It is evident that XXXX XXXX XXXX ( XXXX XXXX ) is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entries. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX The information reported by this creditor is inaccurate, and I am requesting that the account be removed from my credit report. 

XXXX auto finance is reporting different balances to all three credit bureaus. I have dispute of the account multiple times to ensure the account balance is accurate information keeps getting denied and verified as accurate. 

I have attached copies of my credit report with the incorrect entries highlighted, as well as any relevant supporting documentation. These documents should clearly demonstrate the discrepancies and support my request for correction. Additionally, I have previously contacted carmax auto finance directly regarding this matter, but the issue has not been resolved.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that thisaccount is removed from my credit report entirely. The continued presence of this incorrect information is unfairly damaging my credit score and affecting my ability to secure future financial opportunities.

Please let me know if you require any additional information or documentation from my side to assist in the resolution of this issue. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance.
Product: Checking or savings account

The atm at Huntington ( XXXX branch ) failed to disburse {$100.00} out of one of my accts at atm but gave a receipt and took funds from account. I filed dispute number XXXX on XXXX XXXX 2017. I am on Social security as is my brother who is on the acct with me. We can not afford them to hold our money. There is no reason that in a weeks time they could not know that atm had {$100.00} too much in it or look at cameras to see no funds disbursed.
Product: Debt collection

XXXX XXXX has currently reported to my credit that I owe {$140.00} which is impossible because I currently have an account with XXXX. Before I got this current account I had to pay off the remainder balance of anything which was owed.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were initiated by me directly, not a third party. I even called them to verify my identity, yet they still refused to process my disputes. As a result, I feel that my time and money were wasted, as I had to mail my disputes and provide personal information for identity verification, only for them to fail to thoroughly investigate the issue.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX. I have a fraudelent hard inquiry on my equifax report from XX/XX/XXXX. I never applied for a XXXX  account. I contacted XXXX on XX/XX/XXXX and spoke with a supervisor by the name of XXXX who submitted a deletion request to remove the account and estimated the inquiry would be deleted in 30 to 60 days.I 've contacted equifax multiple times to remove the inquiry and have even sent equifax a letter, proof of ID, proof of residency and an ftc complaint. On XX/XX/XXXX I spoke with XXXX from equifax who confirmed they recieved the deletion request and promised to remove the inquiry. They even gave me a confirmation number which is XXXX. On XX/XX/XXXX I called equifax again due to the inquiry still showing on my report. I spoke with XXXX, who submitted a new deletion request to remove the inquiry. He assured me the inquiry would be deleted within 30 days. He gave me another confirmation number which is XXXX. Today the inquiry is still on my report. Please assist me with holding equifax accountable and removing this inquiry from my report permanantly. I have attached the ftc complaint and deletion lettter I sent to equifax. 

Best regards, XXXX.
Product: Mortgage

For the past XXXX years I have struggled to make mortgage payments and Carrington Mortgage failed to allow me to use pandemic protections, failed to accept application documents to secure a modification, refused to accept payments, failed to respond to complaints, failed to properly review and process application for a loan modification in XXXX, XXXX and XXXX, threatened to foreclose and finally foreclosed on property on XX/XX/2023. 

I
Product: Debt collection

Resource Services placed a collection account on my XXXX credit report from XXXX. The information presented on the credit report is fraudulent. There is no address from the original creditor. The statement shows as an open collection account, but there is nothing verifying the dates from the original account. I feel that this a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attn : CFBP I, XXXX XXXX XXXX XXXX, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX, XXXX XXXX XXXX, P.A Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Account XXXX : XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 4. 4 Account Name : NCAC Account Number : FILE # XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Equifax took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.
Product: Credit card or prepaid card

I called Discover Credit Services once I was notified of a hard pull on my credit. I didn't request this card and it was a case of fraud. I was told that the card was not issued on that date ( XXXX ), that the credit card was not approved, that the account was closed, and that they'd do an investigation. 

On XX/XX/22 I was notified by Discover Credit Services, that the card was shipped out and asking if I have any questions on my new account. This is after I did a security freeze with all of the credit score companies and this was indeed the SAME account that I was previously told was closed and that no card would be issued to. I told that team I want the card closed immediately and the account closed plus a statement saying as much. 

The blatant lies and the likelihood of the card going out in spite of my best earlier efforts and what the company told me is disheartening to say the least. I don't know if it is illegal, but I have to say that it should be and is definitely unethical.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Prepaid card

I got my tax return on venmo account and they froze my account aka suspended with XXXX in cash on it, I can't use or take out my money
Product: Debt collection

I am writing to formally complain about ongoing issues I have encountered with Waterfall Revenue Group regarding an unverified debt reported on my credit profile. Despite multiple attempts to contact them for a debt validation letter, I have not received any response, which has compelled me to seek your intervention. 

Here is a summary of my attempts to resolve this issue : Initial Request for Debt Validation : Date : XX/XX/XXXX Address : Waterfall Revenue Group, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, NJ XXXX Outcome : The letter was returned undelivered. 
First Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX NJ XXXX Outcome : No response received. 
Second Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX NJ XXXX Outcome : No response received. 
Third Follow-up Request : Date : XX/XX/XXXX Address : Waterfall Revenue Group XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ XXXX Outcome : No response received. 
Email Communications : Date : XX/XX/XXXX Email Addresses : XXXX ; XXXX Outcome : No response received. 

In addition, I filed disputes with all major credit bureaus. Only XXXX responded, acknowledging my dispute and subsequently removing the account from my credit report. 

This lack of response from Waterfall Revenue Group not only violates my rights under the Fair Debt Collection Practices Act but also impacts my financial well-being. I kindly request your assistance in resolving this matter and ensuring that my consumer rights are not being infringed upon. 

Thank you for your attention to this serious matter. I am looking forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, we as a family have decided to pursue improving our credit and enquired information on how to get approved on purchasing a home. XXXX XXXX contacted us and asked for more information on our credit standing. We were told that 2 XXXX  XXXX bankruptcies from the year XXXX and XXXX were still active and it is hurting both my spouse and I 's credit score. We have confirmed from our previous bankruptcy attorney 's office that it has been resolved and it is in fact closed. In addition to that, we do not know any other information old or new that would otherwise impact our credit standing or credibility to purchase a home. Please kindly help. Thank you in advance.
Product: Credit reporting

I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.
Product: Mortgage

I applied for a mortgage through DHI mortgage in XXXX. I was sent a loan estimate with no cost for points in XXXX. The night before to get the CD deadline XXXX they changed the amount charged for points which was not on the estimate in XXXX. Otherwise they would change my interest rate and delay my closing for a 2nd time. The 1st delay was due to the fact the lender representative forgot to submit the loan. Therefore, I had to stay in a rental property at a higher rate of {$1900.00}. Now I am going to be forced again to pay DHI an extra {$2000.00} or {$1900.00} for the rental property for another month. 

I understand the rate was not locked but I was quoted an estimate of XXXX with no cost. Now they are charging XXXX  for the same interest rate. There has only been positive changes in my credit which is not the reason for the change. They must have forgotten to disclose that information in XXXX.