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

I deposited a check for {$1100.00} on XX/XX/XXXX via the ACU mobile app, I subsequently logged out and logged back in to see if there would be a hold placed on the deposit or if any of the funds would be made available. After the deposit, the mobile app displayed the total amount of the check available to me and did not indicate any hold would be placed on the check. The check was drawn on a business account from my employer from XXXX XXXX. Additionally, after reviewing online banking, the full amount of the deposit is reflected in my posted ledger balance as of XX/XX/XXXX. Based on this information, I made a payment on my XXXX  XXXX XXXX credit card in the amount of {$1200.00} via XXXX  which brought my balance down to {$710.00}. On Monday XX/XX/XXXX at approximately XXXX, I logged into my mobile app again to try to determine why I was not able to withdraw money from the ATM only to discover that my account was overdrawn {$440.00}. I looked over the ledger to see what happened and saw that at some point on XX/XX/XXXX, someone from ACU decided to place a 10 day hold on the check that was deposited on the previous day, leaving my account overdrawn and not giving me any notification that this would occur. I then contacted customer service to see what could be done about the hold and was told that since ACU could not verify funds on the XXXX XXXX  check, that if I could get a letter verifying the check or proof that the check cleared that I could request the hold be released, however, XXXX XXXX  will not provide this information to me either since I am not the account owner. I then called back and spoke with several reps at ACU and was told that it is essentially not their problem that I don't have any money and that I should have considered the check unavailable to me until it was processed on Tuesday, even though I did my due diligence as a customer and acted on the information I was provided as a result of using the banks mobile application. As of today XX/XX/XXXX, my account sits overdrawn and I have no money until the 10 day hold expires on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's apartment management company allows XXXX XXXX XXXX to put false, retaliatory marks on credit report showing late payment in XXXX of XXXX, when in fact rent was NOT late. 

XXXX XXXX is aware they and or the owners bribed XXXX XXXX XXXX XXXX Enforcement in XXXX to evade being cited, fined, or any records kept showing repairs neglected by XXXX XXXX for tenants ... violating tenant laws, safety and health regulations, and breaching lease contract. 

XXXX XXXX has been out here regarding defective plumbing no hot water in bath/tub for nearly 3 years, faulty window frames leaking water, broken handle and locks to front door I ended up replacing myself due to XXXX XXXX not enforcing tenant rights. 

Breakins to my apartment, vandalizing my property, tampering/vandalizing my extention cords to cause a fire which I caught and put out, have taken place over the years.
Product: Checking or savings account

Opened a high yield savings account with Lending Club. Feel they were misleading. After opening account found there was a {$5000.00} transfer limit per day on account. This was no good for me. Called several times to close account. Was told they could not close until initial {$100.00} deposit was in account and then they would close with no problem. Called XX/XX/21 after waiting a week to make sure initial deposit was in account. Account # is XXXX. {$100.00} was in account but they are still refusing to close account. Asking me to mail them documents to close account. I didn`t have to mail them documents to open account. I have other online savings accounts and never had to go through this aggravation. Every time I called them felt I was getting the runaround.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a payment was made mistakenly to the IRS federal taxes instead of XXXX taxes. After calling the IRS suggested to get to the company Chime and so I called the back of the credit cards number. While mirroring my phone the Chime employee told me to transfer the funds to XXXX email accounts to get my payment fo the IRS refunded in the amount of {$53000.00}. After that I transfered in total the amount of $ XXXX and {$1400.00} to the account provided by the Chime employee to get full refund. It was a fraud. Made a police report and felony charges were brought up and also Chime did not wnt to refund me even after I presented all the evidence of the police to Chime. Also filed a complaint with XXXX against XXXXXX/XX/XXXX. The FDIC was who indicated me to you and the XXXX to file complaints. 
Please help me get my money refunded. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint since the following creditors are reporting late payments on my credit report : XXXX, XXXX, and XXXX XXXX which are inaccurate and have not been formerly verified. I Have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S. Code 1681s2 ( a ) furnishes MUST report ACCURATE information and under 15 U.S.C. 1681i the Credit Bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.
Product: Credit card or prepaid card

Hi I buy a prepaid gift card from XXXX XXXX and I add {$500.00} in that card, but when I check balance in that card showing only XXXX, and I am calling help line no one is helping me I send by fax card detail and receipt proof of add {$500.00} but no one up to date contact me, whenever I called help line only saying apologies but no one help me and I saw review about this gift card all peoples are suffering look like this company is scammer and fraudulent
Product: Credit card or prepaid card

I received a refund from the merchant, see attached refund receipt. Credit card coXXXX has not refunded back to my account.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint with the CFPB ( Consumer Financial Protection Bureau ) regarding fraudulent items appearing on my credit report. Upon recent discovery, I have found multiple items on my credit report that I did not authorize or participate in. I have taken the necessary steps to dispute these fraudulent items with both the credit reporting agencies and the relevant creditors, but unfortunately, I have not received a satisfactory resolution. Despite providing ample documentation and evidence of the fraudulent activity, these items persist on my credit report, continuously harming my credit score. I strongly believe that these fraudulent items are a direct result of identity theft, and I am deeply concerned about the potential consequences for my financial well-being. Therefore, I kindly request the Credit Reporting Agencies to investigate this matter thoroughly and take appropriate action to ensure the removal of these fraudulent items from my credit report, as well as the restoration of my credit score to its previous state. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 . As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX I wrote near-monthly letters to Equifax advising that there were errors in the reporting of an account on my credit report (  XXXX XXXX ). Some months I received a response, some months I did not, but the times that I did the response was always the same, the creditor validated the incorrect information as correct. However, Equifax simply changed the information reporting each month, rather than deleting as they should have. On XX/XX/XXXX I wrote to Equifax, after all pending disputes for this account had cleared and the account remained, still reporting inaccurate information, and advised that this account was now past the legal reporting period. XXXX  and XXXX  were also reporting this account and were also put on notice that they were reporting this account past its legal reporting period. XXXX  responded and removed the account as required and forwarded notice of its compliance. On XX/XX/XXXX a copy of that notice was forwarded to Equifax along with another demand that they remove the XXXX account. Not only did Equifax not comply, it updated the account with additional incorrect information and caused a drastic drop in my credit score. Despite being reminded, repeatedly, that credit bureaus are required to report only accurate information, Equifax repeatedly disregards my consumer rights by not only reporting incorrect information concerning this account but also refuses to remove the account altogether based on the inaccurate information reporting nor the fact that this account is also past its statutory reporting period, regardless of the information reported.
Product: Debt collection

XXXX XXXX has my account listed as PAID on my credit reports. Also listed on my credit reports with XXXX funding as OWED, NO PAYMENT. 
I would like to have this REMOVED from my credit reports. I would like this information that is INACCURATE to be REMOVED from my credit reports. 
If an account says PAID, then it CANT say STILL OWING for the SAME account, that is INACCURATE.
Product: Mortgage

I got an adjustable rate mortgage from Wells Fargo. I made several attempts asking them to give me a fixed rate and they refused. I went to lawyers to help and they did nothing for me. I couldn't afford to pay the mortgage because it was too much. Lawyers filed bankruptcy but lawyers did nothing and Wells Fargo sold my house. Now they are evicting me.
Product: Mortgage

I made mortgage payment on XX/XX/2021 using the debit card I use to make all payments and purchases. On XX/XX/2021 I noticed no withdraw from the account so I phoned. After a long period on hold I was disconnected. So I emailed several times and was told the matter was " under investigation ''. I emailed several more times and got no replies and still no transfer of funds from my account. I contacted my bank to see if they were the problem and they said they had no record of contact from Mr. Cooper. When I logged in on XX/XX/XXXX it said my XXXX payment had not been paid and there were large late charges. I called and this time got through to a customer representative who said the payment was returned for " insufficient funds ''. I told him there was XXXX in the account and that the bank said no record of contact from Mr. Cooper. I was transferred to someone who took payment over the phone and tried to charge late fees. I objected but I do not know if they were removed. I see still no withdraw from my account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5.Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 have contacted Transunion, and XXXX online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to 640, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Product: Credit card

This account and inquiry are being demanded that you remove. I will be taking legal action on behalf of my information being used and XXXX XXXX not only XXXX. Forcing me to pay a debt I have no knowledge of, but 2. Harassing me and my family with emails, and mail about an account I did not authorize. XXXX XXXX has brought not only financial stress but emotional and physical stress onto my life. XXXX  XXXX, on XX/XX/2021, authorized a fraudster to use my name and obtain credit. This account was opened using my personal information. I have not personally signed any documents authorizing that XXXX XXXX even views my credit report. I HAVE FILED A POLICE REPORT on all the documents that were taken and have been used to obtain credit cards, accounts, phones, and much more using my name. When I lost my wallet, inside was my California ID, my social security card, medical cards, and other important information that was used to obtain this credit card. I have absolutely no knowledge of the account, how am I being held responsible of paying a debt I did not incur or even had any knowledge that this debt was incurred until I performed a credit check. Upon investigation XXXX XXXX is stating that they have investigated and determined that a phone number had been used to accept an access code for XXXX XXXX. This is not true. I have never received a call from XXXX XXXX personally about a verification code. My phone number was spoofed to make calls. They were able to make it appear as if calls or texts were coming from my phone number, I had no idea this was even occurring. The fraudster was able to use my phone number to defraud and illegally obtain a credit card amounting to {$3600.00}, using all my information and a spoofing service. I am demanding that XXXX XXXX further investigates this account. Remove the account. Update credit bureaus. Send me an updated credit report. Remove me from your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several recent credit inquiries within the time that my driver 's license was stolen. I have been a victim of identity theft and ever since 2022 I have had credit inquiries that were not initiated by myself. I had an issue with a high number of credit inquiries on my credit report that I have never completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX data breach. on XXXX XX/XX/year>XXXX i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the XXXX date breach.
Product: Debt collection

Account Name : Dept of Veteran Affairs Account # : XXXX Experian has failed to supply their method of Verification After I requested it on XX/XX/2020 following my initial dispute. This violates my rights under the FCRA. I have uploaded the letters sent and a screen shot of the account in question. This account is reporting incorrectly and Experian has NOT supplied the requested contact informaiton of the party that stated it was " accurate ''. 

Initial Official Dispute Sent : XX/XX/2020 Follow Up Dispute Sent : XX/XX/2020 Method of Verification Request Sent : XX/XX/2020 Under these circumstances I request the account be removed from my credit report
Product: Debt collection

I have received tons of mail regarding a student loan debt that is not mine. I called the company to let them know and they promised not to continue but I am still getting tons of mail! I do n't know what to do. 

AUTOMATED COLLECTION SERVICES, INC
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised the bankruptcy is not accurate. said company had 4 days according to LAW to remove such items.

Consumer is now requesting EQUIFAX to provide the documentation used to determine bankruptcy was indeed the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report. If EQUIFAX does not have documentation to show the facts of this bankruptcy it must be removed asap. 


SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. 


I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card

XX/XX/XXXX CAPITAL PLACED A LATE PAYMENT ON MY CREDIT REPORT THAT I WAS UNAWEAR OF TALK TO CAPITAL ONE ASKING HOW THIS COULD BE WHEN INFACT XXXX WAS A COVID 19 GOVERMENT LOCK AND ALSO I AM ENROLLED IN PAPERLESS BILLING MY BIGGEST CONERN IS I CHECKED INTO THIS MATTER AND STATE THAT IT WILL NOT BE CLEARED UNTIL XXXX