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

I am a client with first citizens bank. I was supposed to get a social security check via direct deposit today XX/XX/2024. However when I checked my account, my finds were not in my account. The social security administration said they sent my direct deposit to first citizens bank. So I contacted the bank & they informed me that there is an issue with in the bank that is making it difficult for the to process direct deposits. They did not give me a time frame as to when this issue will be resolved. So due to this issue, I do not have my money & therefore I can not pay my bills or pay my rent on time. Nor can I go buy groceries. The worst part is no one at first citizens bank can provide me with an answer as to when this issue will be straightened out & I will get my money. So now I am not getting my money & I am suffering major distress due to an issue with in the bank that is out of my control. I have to suffer because of the bank 's error.
Product: Student loan

The servicer has 90-minute hold times. Unfortunately, I have to work for a living and can not spend 90 minutes on hold during the servicer 's business hours. Nor can I recieve a call back as the area of the building I work in does not have cell phone service. Nor can I stand by my employer 's phone/landline for 90 minutes when I am supposed to be working. 

This servicer can not provide timely customer service. I am getting XXXX from all the attempts I've made to contact them. 

I am going to have to take time off of work to spend that long on hold. I feel I am entitled some reimbursement/compensation for all the failed attempts to contact them, as well as having to use PTO to make contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with The XXXX XXXX for XXXX months trying to get them to report that my mortgage with them was Surrendered through my XXXX XXXX XXXX. The XXXX was closed at the beginning of XX/XX/2022 and they keep reporting it as XXXX days late and sending me letters and receiving phone calls. I have spoken with them at least XXXX times and I have gotten hung up on multiple times and lied to that the problem was fixed. They told me to email them all the information from the court and that they would correct the problem but have not. I came out of the XXXX with a XXXX - XXXX credit score and because of this, I am now in the low XXXX scores. I have tried to repeatedly fix the problem with the credit bureaus but The XXXX XXXX lies and tells them it is correct. 

Please help me I have spent days trying to get this problem fixed. 

Thank you
Product: Credit reporting or other personal consumer reports

This is prior to the last attacment but I did not receive this information from actual FTC but legal aid through federal lawyer. So as it was prior but not readily available to send to the companies XXXX which asked to call but not able to do much again repeated last so that is past my control as well. XXXX XXXX is working and in progress again this was prior for XXXX XXXX but no it is unrealistic to keep sending same items to do anything if there is nothing to show or for me myself to compare or look up. 
Equifax I did have the data breech information in prior to the apparent cut off date. But unbiased still the most difficult to work with. So except for equifax they do need to put forth a little more effort. But I am still behind if the other two need info if I do not have it to supply from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.
Product: Bank account or service

On    XXXX   XXXX     2017  my bank,  Citibank  without my knowledge, placed a " fraud hold " on my account. They claimed that a check I deposited from my roomate, was made out to my last name  XXXX   XXXX . My name is    XXXX   XXXX   XXXX   .    Despite the fact that this same name had been written on the monthly checks on last few months.   To date these funds are still on hold despite numerous hours of phone calls to customer service, and the branch mangers in the  XXXX  office.   I have a copy of the paid check from my roomate so we know that  XXXX  paid the check on  XXXX   XXXX  to Citibank. On  XXXX   XXXX  my funds were to be release to me. They were still on hold. I was instructed by  XXXX  a supervisor number  XXXX  on   XXXX   XXXX   to bring a copy of this paid check to branch to clear the issues. This was the second time I had brought this copy to the bank.    XXXX   XXXX  the branch  manager had  called the fraud dept and she called to tell me that the funds would be available at midite the  XXXX .   It 's now  XXXX   XXXX  and my funds are still being held This is my household account and I have been forced to exhaust my business account at my other bank to pay for things like groceries, gas and our water bill, insurance.   Today I found out after finally speaking to the fraud dept that they released the hold on  XXXX   XXXX . They claim now that another check that was written to me for {$4000.00} was st ill n pa rtial hold. This also is an error if it is indeed true. You see the branch manager called to check that the funds had been paid on this check from  XXXX   XXXX ,    ( it w as a check from my father ) on  XXXX   XXXX  and verified the funds had been paid ans that the funds should have been completely available to me that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with Equifax for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX the errors were reported to XXXX XXXX XXXX -- we were able to determine the information was submitted incorrectly for our adult child with us as being responsible. 
A universal delete was placed by XXXX XXXX XXXX on behalf of the medical facility/ambulance services and professional fees. 
XX/XX/XXXX was sent by XXXX XXXX XXXX in their credit reports submitted monthly. 

This past weekend we found that Experian has still been sharing incorrect information as well as incorrectly reporting this incident in any way. I am told by XXXX XXXX XXXX ( the collection agency which submitted the information ) that Experian is difficult to correct information. This needs to be resolved immediately as the billing was in error from start to finish and is currently rebilled to the proper insurances.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am currently being garnished and it has caused me to lose my home and I have XXXX children XX/XX/12 I pay child support currently also. I make XXXX/hr and where I live the cheapest home is XXXX for a home that is suitable for me and my children! I have contacted the federal student loan company along with the collector it was sold to they have given me no real options other than to pay yet more pmts on top of the garnishment which I can not do! They are taking more than 15 percent out of my managers bonus every pay period they are taking 25 percent and I believe they are also taking 25 percent out of gross pay not disposable pay I have contacted my employer she stated she was doing this correctly but when I follow the paperwork I have found online its incorrect I have emails back and forth saved from the student loan company also!
Product: Checking or savings account

On XXXX XXXX  weekend ( Friday ) of this year, I deposited a certified check ( {$24000.00} ) to my personal checking account at Bank of America in XXXX, XXXX. I was told by the teller that the funds would be available that night or the next day, Saturday. I check both Friday night and saw that the funds ( {$24000.00} ) were in my account and available to use. I then went to the same bank to the same teller and asked if the funds were there and I was able to use them. He said yes, they were there, the money was mine, and I could do what I wanted them. So I had him make out a certified check from my account of the same amount ( {$24000.00} ) to send, which he did. I then mailed this check to my client. 3 days later. Bank of America informed me that the first check was fraudulent and therefore the funds were not there. I was now in a major financial hole because of this bad check. To me, I have to believe my bank as they are the professionals and are there to protect me as well as following procedures. Not once, even after several inquires, was I told to hold off on the funds until the bank had cleared the check, but was informed that the money was there and there weren't any issues. I have had a major nightmare dealing with this as I believe it is up to the bank to let me know that certified checks need to be held for a certain length and not told it was good and I had the money in my account. I have contacted everyone from the bank branch manager to the President of Bank of America and they have all told me, it was my problem because I'm supposed to that the ceriftied check was good to begin with. I was told that the funds were only in my account as a loan until the check cleared. Totally news to me. I am not a banker, nor do I have any professional background in finance and therefore I put my total trust in my bank, which I have been a client with Bank of America for over 45 years. I don't know if this will do any good or if I'm even able to argue their answer, but I feel that since I was told, 3 times, by the bank, that the money was there, all was good, and I had nothing to worry about. I would love to have the bank not only acknowledge their mistake and take the right actions to fix my problem which would be to reimburse me. As of this writing, I have not heard from anyone from Bank of America and I feel that they have told their company not to talk to me for legal reasons. I do hope that I am not subjected to retribution for filing this report and would just like to see my side seen by a third party. Thank you and I do hope to hear from you.
Product: Credit reporting

I ran my free credit report through Experian and found a negative report from the following company that I have never set up a credit card with and have never received any sort of a past due notice. The creditor 's information is : XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to XXXX, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus.

So if that is the case how did the credit bureaus edify my bankruptcy as100 % accurate.

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations.

State law may impose additional requirements. The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times.

The credit bureaus violated my right under 15 USC 1681. According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs
Product: Credit reporting

I submitted a written request to Experian to delete all other names other than my legal name, social security number and addresses with attached proof, it was denied stating it needs to be on record. The information they have is inaccurate and have provided all necessary documents needed to make corrections. Furthermore I disputed an collections account that is not mine I have resolved the issue with XXXX, they are stating the collection account is mine but XXXX fraud department has investigated and declared the account as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach, potentially compromised information verified by Equifax website. Went through XXXX to add a fraud alert to my account to all credit unions.
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.

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$3000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX : Account Number : XXXX : Balance : {$740.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} 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: Prepaid card

I called adp XXXX  XXXX  put balance then transfer to rep asked why they never sent card. Couldnt answer expired XX/XX/year> so i havent used. Sat on hold 30 mins. Waiting for card and fees reversal.
Product: Debt collection

Midland Credit Management original account number XXXX MCM account number XXXX is trying to collect on this account which i dont recall. i request a validation letter proving that the account is mine. I am retired and on ssi so my income is federally protected.
Product: Vehicle loan or lease

in accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information being reported by Transunion on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : CREDIT LIMIT IS DIFFERENT WITH EACH BUREAU Date of XXXX I have already attempted to resolve this issue by contacting Transunion directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information
Product: Debt collection

I am unaware of this debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it and my signature.
Product: Student loan

My loan is being handled by EdFinancial Services. I have tried to make many payments in different amounts since XXXX, and every payment has been reversed. None of my payments have been accepted by the company. It has also charged me interest.
Product: Mortgage

In XXXX of XXXX I attempted to have my VA loan refinanced with my current lender Wells Fargo. This wasn't the first time I refinanced with them. I was attempting to take advantage of the low interest rates at the time. I spoke to sales rep and was flat out told specifically that Wells Fargo is not processing VA loans for refinancing at that time and there was indication of when the would start. I think I was discriminated against due to the fact i held a VA loan and my new loan amount compared to my interested rate would be considerably less. This was the third time I attempted to refinance and was denied ( XX/XX/XXXX, XX/XX/XXXX ). I didn't really look for other lenders since it was easier to use the same lender. I believe that if Wells Fargo processed my application I would have saved a considerable amount of money. Again this wasn't my first time. I was in good standing and my credit was above XXXX I also earned a considerable amount. I don't know what the banks obligations are in regards to VA loan applications. I don't think they can just flat out not even process a application because it is VA loan. I would like answers concerning this because I am sure some vets bought homes during this time Wells Fargo is the lender.
Product: Credit card

Capital One Bank is being completely unreasonable. I was out of the country on XXXX separate occasions ( XXXX and XXXX ) and missed XXXX payments months apart. I had an average of {$15000.00} in my account during those months. The account had been open for a number of years and never late. 

I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.
Product: Credit reporting or other personal consumer reports

i sent the CRA 's letters on XXXX, disputing the inaccurate and incomplete accounts they are reporting on my credit report. 15 usc 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY BELOW FOR YOUR REFERENCE
Product: Credit card or prepaid card

I can not login into my account, I cant access my points rewards page. It shows I have XXXX points when it should show XXXX or more. This GARBAGE company blames it on a software update from 5 MONTHS ago. When are you actually going to step up and do something!?
Product: Credit reporting or other personal consumer reports

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

" " Given the legal precedents and the failure of the creditors to provide validation, I am formally requesting : 1. A comprehensive reinvestigation of the inaccurate late payment entries.

2. That your agency hold the responsible creditors accountable for their failure to provide necessary documentation.

3. That the late payment entries be deleted, and the account status updated to paid as agreed, never late.

4. An updated copy of my credit report reflecting these corrections.

Please note, as the credit reporting agency, it is your duty to ensure that the creditors provide valid and accurate information. Failure to address these inaccuracies will result in further actions to protect my credit standing. ''
Product: Credit reporting or other personal consumer reports

The inquiries were not initiated by me and I firmly believe they are fraudulent. I request a thorough investigation and immediate removal from my credit report. Supporting documents have been furnished for your consideration.