23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over  three  months :   XX/XX/XXXX ,  XX/XX/XXXX and XX/XX/XXXX .      I have had a  XXXX   Visa card (  " loan account '' ) since   XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in   transition however, the banking accou nts ported over to the   XXXX    website  in  XX/XX/XXXX , bu t no t the Loan accou nts ; those would not phase-in unti  l  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure mes  sage to  XXXX  customer service about making m y Visa payment, the  response was to mail it, and I was provided an address. I sent a  Bill P ay payment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I rec eive a credit alert from  XXXX  that  XXXX  reported m y Visa account  as 30 days late. The effect of this reporting tanked my credit score.     When I calle d   XXXX   XXXX   custome r service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX APT XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Trans union is in progress but to make any changes they are asking for the same information so if they keep requesting the same information and wont let me change anything it is difficult obvious duplicates timeline likely would make it inaccurate otherwise mostly residence numbers. 
The rest they did start to work on. But if I cant respond it could go either way. But if being worked on I will be patient as long as they keep me posted although I still see a few that I know I would not have within a couple weeks so I hope that they notice XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX date is a little close so likely unless other reason I did have XXXX XXXX XXXX. 
XXXX wont even answer if asked to call so Im hoping they make progress XXXX has been the most difficult of the XXXX to get anything done any which way. Kind agent if you do get through gets me nowhere. Nothing so something is not okay. Called to let them know I mailed XXXX and current utility bill no answer yet most difficult of all XXXX. No excuse
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the lack of response from LexisNexis regarding my request for my credit report. Despite my efforts to mail my request to both LexisNexis XXXX XXXX XXXX XXXX and LexisNexis Consumer Center, I have not received any acknowledgment or assistance. It's frustrating to feel ignored, especially when attempting to address important financial matters. Unfortunately, I am unable to afford tracking services to ensure the delivery of my request. I am reaching out desperately for assistance in obtaining my credit report as it is crucial for my financial planning and security. Any help in expediting this process would be greatly appreciated. Thank you for your understanding and support in this urgent matter. he specific law that grants consumers the right to obtain a free copy of their credit report is the Fair Credit Reporting Act ( FCRA ). Under Section 612 ( a ) of the FCRA, consumers are entitled to request and receive a free copy of their credit report from each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) once every 12 months. This provision ensures that consumers have access to their credit information and can review it for accuracy and completeness. Additionally, the FCRA outlines procedures for disputing inaccuracies on credit reports and requires credit reporting agencies to investigate consumer disputes in a timely manner. Overall, the FCRA aims to promote fair and accurate credit reporting practices and protect consumers ' rights in the credit reporting process.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I applied for contract employment with XXXX XXXX XXXX XXXX They requested a background check be completed. I complied and a company named Checkr supposedly investigated my criminal background on XX/XX/XXXX. I then received another notice afterwards on XX/XX/XXXX saying that adverse action was being taken. The report said I had seven days to reply to conflicts involving employment or termination resulting from Checkrs background check. On XX/XX/XXXX I received an email from XXXX saying they did not want to continue the onboarding process. After reviewing the report I discovered the reason they denied me was inaccurate information as presented in the email and report. I attempted to contact them on XX/XX/XXXX. After XXXX minutes of hold time an agent spoke with me briefly. She said hello, asked me my name and social, and then said her computer was down could I hold the line. XXXX minutes later she came back said her computer was having trouble and hung up the phone. 

Thank you for reviewing and the reason for all this is because checker listed XXXX charges with a disposition date of XX/XX/XXXX. No disposition on said date was given. The report even lists the charge date as XX/XX/XXXX. It is impossible for a disposition to come before a charge therefore I challenge any of the information as being accurate and have become damaged due to reports. No one reviews the information at Checkrs before passing it on and your assistance would be appreciated. 

Thank you XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I deposited a check for {$30000.00} from my client, XXXX XXXX, drawn on her XXXX XXXX XXXXXXXX account ( # XXXX ), into my business account at Chase ( Account # ( XXXX ). Despite receiving confirmation that the funds were debited from the client 's account, Chase placed a XXXX hold on these funds. The hold has caused significant inconvenience, including the failure of scheduled automatic payments and overdraft fees. 
I have repeatedly communicated with Chase, providing all necessary documentation, including proof that the funds have been cleared by XXXX XXXX XXXXXXXX. Despite these efforts, Chase has refused to release the funds or provide a reasonable explanation for the hold. 
Here are the key points of my complaint : The funds were debited from the client 's XXXX XXXX XXXX account on XX/XX/2024, as confirmed by documentation provided by the client. 
Chase placed an unwarranted XXXX hold on these funds, which is excessive and unjustified given the circumstances. 

The delay has caused significant disruption to my business operations, including missed payments and potential damage to my business reputation. 
I have provided Chase with all necessary documentation, yet they have not taken any corrective action. 
Enclosed with this letter are copies of all relevant documents, including : The deposited check and its details. 
Proof of funds being debited from the client 's account. 
Correspondence with Chase, including my letters and their responses.
Product: Checking or savings account

I noticed an unauthorized charges on my Wells Fargo bank checking account, {$3100.00}, {$590.00} total is {$3700.00} and I call Wells Fargo bank and let them know someone stealing my money from my checking account and filed a claim and I'm been waiting so long that my claim is deny and they tell me i have to calling to the fault company and solve out this problem by my self. I don't know nothing about his fault company how can i calling them my self and talking to them to solve out my problem by my self? and Well Fargos bank didn't provide me they phone number either. And Wells Fargo make me to pay this fault company without my unauthorized. So please help me I'm so stress and frustrating don't know what to do.
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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 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 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. 

AR XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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

a fraud alert and personal statement was placed on my credit file without my authorization.
Product: Checking or savings account

Check was issued to IRS from escrow company, because I owed IRS at that time. {$6900.00}. I deposited remotely the check on my checking account and was considered a fraud. They closed my account, did not, wont release the funds to me, or escrow company ( check issuer ) because they want a process for IRS to do. I personally went to IRS office and they told me that what Chase is asking for is against their policies and will not sign anything. 
They give me turn around and dont help. Ive called sooo many times, walked in the branch so many times and I give up.
Product: Vehicle loan or lease

Dear Consumer Finance Protection Bureau, I turned in a leased XXXX XXXX to XXXX XXXXXXXX a dealership in XXXX XXXX California and assigned the lease to XXXX  XXXX on XXXX. I was told the old lease would be closed by XXXX. 

Toyota Financial Services debited my checking account on XXXX for {$510.00} for the lease I had signed over to XXXX XXXX. 

I was told on XXXX that Toyota Financial received a check from XXXX XXXX in the amount remaining on the lease, which would allow Toyota Financial to close out the lease. Unfortunately I have no evidence that the check was issued or received. Today it is XXXX and the lease is still open on my customer account dashboard with Toyota Financial Services, which told me that the paperwork has either not yet been received or nor been processed. 

Today XXXX, my customer account dashboard with Toyota Financial Services shows me as past dueon my old XXXX lease, notwithstanding that I was debited for my XXXX payment on XXXX. I fear that the false information posted by Toyota Financial will affect my credit rating. I feel like I have been treated like a ping pong ball between the XXXX XXXX XXXX and Toyota Financial having contacted the former at least 10 times and the latter at least 4 times by phone and opened 4 support requests. Please help me get an adequate response from Toyota Financial Services. Thank you. XXXX XXXX
Product: Student loan

For approximately one year, I have been trying to certify employment with XXXX XXXX to track payments for the public service loan forgiveness program. Every time I sent in forms, their customer service would tell me either the form was never received or one of their employees entered the information incorrectly, or there was a miscalculation with the number of qualifying payments. Each time they told me they would fix it and contact me and each time I am never contacted. Every time I call in, there is a new problem. They are intentionally stringing me along to prevent me from qualifying for loan forgiveness. I have all the documentation to prove my efforts for approximately one year and they still have not accurately tracked my eligible payments. I have only worked in public service, so all payments should qualify. They are giving me approximately two years of payments yet I have been working in public service for almost 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from my report.
Product: Debt collection

There is a negative collections on my account that I am unaware of : Collections Co : Midwest Recovery System Original Creditor : XXXX XXXX XXXX Date of first Delinsquency : XX/XX/XXXX Date of Assigned to Collections : XX/XX/XXXX Amount owed : {$120.00} This is the first action that I have taken.
Product: Checking or savings account

On XXXX, I paid cash $ $ $ for a certified check in the amount of {$1500.00} from XXXX XXXX to send to Bank of America ( BOA ) as I've done many times before. Monday morning the check should have cleared as usual and my bills would be paid as usual. Today, XXXX, I find out I'm receiving Nsf fees for non payment due to funds not being available. I contacted BOA today, the clerk explained that on Monday they did not receive electronically that the check was cleared to process. I have made these same transactions many times before with funds available the next business day. I am unable to afford the multiple fees assessed as a result of XXXX XXXX not sending electronically that funds were not available. I handed the XXXX XXXX XXXX cash for the certified check which cost me {$15.00} due to wanting to send funds to BOA instead of depositing the funds, and now I'm told that I'm being charged {$35.00} for each transaction that funds were not available. I now have a hold on the check {$1500.00} according to the BOA XXXX because XXXX XXXX did not send authorization to cash the check on the next business day which they have done each and every time before. I want all fees associated with this transaction reversed, it's not my fault the bank did not sent authorization from a " CASH '' transaction that funds were infact available. It's difficult enough with everything going on due to COVID 19 and now this is just unacceptable I have no idea all the implications this transaction will enable, ie credit bureau issues due to payments being delayed, and other fees associated. Unacceptable! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Between, XXXX, Transunion, XXXX  Is a violation act of the FCRA Dispute reasons remove accounts because the reporting last payment and closed dates are inaccurate If they are getting the information from the same source why is different? 
The dates dont match Im reporting to e date last active because are inaccurate Plus Plus I never had receive any information from Transunion about this issues by mail Is my right to have it All this is wrong Plus nothing much in the dates last date active between any of the credit reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent Accounts : U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$5500.00} U S DEPT OF EDXXXX - XXXX XXXX XX/XX/XXXX XXXX {$410.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$850.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXXXXXX  - {$2400.00} DPT EDXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} DPT EDXXXX - XXXX - XX/XX/XXXX - {$0.00} DEPT OF ED/XXXX  - XXXX - XX/XX/XXXX - {$0.00} DEPT OF ED/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00}
Product: Money transfer, virtual currency, or money service

Please get her some help with this. She really did attempt to get help from Coinbase. This all started with an offer from XXXXXXXX    to get a special deal. She has not been able to get any help from Coinbase even though they assigned case numbers several times. I fear that she has lose {$50000.00} or so in XXXX  and maybe even more from her checking account at XXXX XXXX which is tied to her XXXX account. Additionally, after exiting from her CoinBase account it showed only a {$3.00} balance. 

XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and needed one on one help with my {$50000.00} +/- Coinbase Cryptocurrency account and tried several times on the Coinbase Account site but could not find any one on one help. Then I went to XXXX and put in CoinBase Support and a site popped up and the phone number was XXXX. XXXX was able to do all the things I needed but toward the end of the session, to put everything back correctly on my Coinbase account they needed to make a {$5000.00} dummy transaction deposit from my bank to Coinbase, which would be refunded back to me in 5 days. At this point I got very skittish. He had been remotely in my Coinbase account and was connected to my bank by my coinbase account. I told him I couldn't do the {$5000.00}, why couldn't I do less. He said I had a Premium Account and {$5000.00} was the least I could use for the dummy deposit. I told him I'd have to think about it and would call him back tomorrow. He said no problem, but when he logged off, I realized my Coinbase account only had {$3.00} and some cents left in my coinbase wallet!! 

XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear Sir or Madam : I am a veteran, recently I relocated to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I closed my Barclays Bank credit card account. The representative assured me I had a XXXX balance and that the account was closed. I cut up the card. XX/XX/2021 I routinely checked my credit report and my credit went from XXXX to XXXX. I researched and found the closed account was reported as non-paid. Apparently from talking to multiple representatives at Barclay Bank, a charge of {$5.00} had been placed on my account after my closure. For 9 months Barclay Bank did not inform me of the charge, and kept charging interest and penalty. Prior to closing the account I insisted on my bills being sent in the mail, so I'd have a hard copy. I did not receive either a paper statement or an email statement. Three representatives from Barclay agreed with my assessment, an escalated it in the Barclay hierarchy. I understand mistakes and after 35 years of perfect credit I felt this was very simple. I also appealed to the three credit report companies, sending copies and explanations. I continue to receive form letters from Barclay saying their decision stands and they refuse to even hear my case. My case number at Barclay Bank is XXXX. Please help me. I know I'm a small customer, but this credit rating has really hurt me. I've never had a delinquent bill, and frankly, I did not make a mistake. I'm sure you have Barclay contact, but I was furnished with XXXX XXXX XXXX, XXXX, DE XXXX. I stand ready to answer any questions and will freely engage with anyone who will contact me. Thank you, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt in person to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX in the amount of {$180.00}. I sent the receipt to XXXX and Transunion twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.