23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello, I am writing as I deposited a Cashier 's Check, from my XXXX XXXX Bank Account, to Chase on Saturday. I was advised, by a Chase Supervisor XXXX, that the funds would not be available until Tuesday XXXX/XXXX/2016. I am confused as to how this is the case when a Cashier 's Check is easily verifiable by the electronic feed on the bottom aspect of the document. Subsequently, I am finding it a challenge to pay for necessary expenses such as : student loans, kid 's tuition fees, car loans, etc. I have been a Washington Mutual/ Chase bank customer for over 18 years. 
This has been a huge inconvenience for me. As a trauma nurse, who works the night shift, I have little time to tend to obtaining Cashier 's Checks and waiting for deposits to be credited to an account. As I wait for my direct deposit to resume, I am finding this to be a very difficult time for me. I would hate to sever my longtime relationship with your bank, however, this experience leaves me no other choice. It appears to me that Chase is no longer the bank for working professionals. I am sure many of my colleagues would be interested in knowing about how Chase treats their longtime customers. XXXX XXXX had a shorter hold period for a {$3500.00} pay check. In fact, they made {$2500.00} immediately available upon deposit. I refuse to believe that a bank, of which I have just begun a relationship, would be more accommodating. It seems more plausible to me to change my bank to XXXX XXXX, who happens to be my employer 's bank. I would just like to know how long it takes to release the funds on the Cashier 's Check, which has already been deposited? By the end of the month, Chase will no longer have to be bothered with my few dollars. This Morning I submitted an online correspondence to Chase bank, who responded with their deposit policy. Nonetheless, the money still has not been credited to my account from a Cashier 's Check ( which is considered as good as cash ). 

Thank you for your time.
Product: Credit card

I had an agreement with this company to ship my car for a total price of {$1800.00}. I will upload a copy of the quote. The representatives said that I would pay them, and they would make the arrangements. I sent them the money directly to the address provided. XXXX XXXX told me that I was paid in full, and would not have to pay again. They lied. 


When my daughter went to pick up the vehicle, the shipping company said that they had not received payment. She had to pay again for the vehicle to be released. 

I had no agreement with XXXX  XXXX XXXX to ship the vehicle. I made the arrangements with XXXX at XXXX XXXX. I spoke to another representative that. XXXX  XXXX XXXX should collect the funds from the company that made the arrangements to ship my vehicle with whom I already paid. This company misrepresented themselves and they have turned out to be Fraudulent business providers. They used fraudulent tactics to get my money. I do not want to pay twice for the same service. I have copies of the money order that I sent to XXXX XXXX. The agreement was between XXXX XXXX and XXXX  XXXX XXXX. XXXX  XXXX XXXX needs to collect the money from them. I have no idea how they would make arrangements with this type of company with no money upfront.
Product: Debt collection

Received calls from this ARS National Services from multiple phone numbers on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). Phone numbers include XXXX and XXXX. 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for reference number. 

I have never received mail from a debt collector or any reference number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep is also on recording lying twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ). 

The calls have persisted.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX, Equifax, or XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with XXXX, XXXX and Equifax XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a hospital four years ago to have a XXXX XXXX removed. I was under a XXXX for an hour or so. 

XXXX XXXX sent me a bill for a procedure I never received. 

They turned it over to a collections agency which submitted it to Experian. No other credit agency would take this false claim as there is no documentation that I agreed to this, that the procedure was even performed. 

I complained to Experian and the extent of their " investigation '' is asking the collections agency if it is valid. 

So, if I said XXXX XXXX owes me {$20000.00} and reported it to Experian, well then XXXX has a black mark on his credit and Experian will ask me if its valid. No documentation, no proof, nada. 

This is a form of slander. 

I want it removed, or remove Experian 's right to operate in this country. They do not seem to understand contractual law. 

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

My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against XXXX XXXX Equifax for engaging in inaccurate credit reporting. I am also aware that consumer reporting agencies MUST report fair and accurate credit reporting. Inaccurate consumer reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. XXXX XXXX Equifax are required to undergo reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of such information which were not done. I am aware that my reflected accounts should report 100 % accuracy across the board and that both XXXX XXXX Equifax have a grave responsibility for doing so. Because of this, I am demanding that Equifax XXXX XXXX either remove the account or report this account the same as XXXX. I am aware of the wrongful doings that have transpired and because of this Equifax XXXX XXXX have clearly violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was in college and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with US Bank. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from US Bank for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the US Bank branch that everything was current ). I have disputed this with US Bank directly, as well as XXXX, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I had deposited cash from an atm of US Bank which was around {$1500.00}. After the deposit the machine just gave me a slip and told me to contact with the bank and the money did not got deposited in my account. After I have filed for my dispute now on the decision they have approved only {$740.00} and did not gave any proper explanation on their research. I had call their dispute unit and they also did not have any quotes on my case but they have already charged the adjustment of {$750.00}. I have called them couple of times but they are saying they haven't received any updates from their management.
Product: Credit reporting

I had a good-standing account with XXXX XXXX ( telecommunications company ) and was trying to transfer service to a new address after moving. They inadvertently canceled my service and closed my account. When I called to find out the status of the transfer service request they informed me of the mistake they had been made and explained that the only way to have service again was to create a new account. In doing so, they ran a credit check resulting in a hard inquiry on my credit which I did not authorize. This was not at all explained to me during the process of creating the new account. When I found out about the credit inquiry, I contacted both XXXX and also Equifax. Both attempts to resolve this and have it removed from my credit report were unsuccessful. Equifax even went into detail stating that any company that is given your SSN and information can run a credit check without your authorization, there is nothing you can do about it, and disputing it will not result in it being removed from your credit check. This is preposterous. I did not want this credit inquiry and I would not have allowed a new account to be created if they had explained to me what they had planned to do. There is no reason a credit inquiry should have been done on an existing costumer that already had a good-standing account. This was the second inquiry on my account in the past two years done for the same service. One by XXXX and now another after XXXX sold their company to XXXX. When I contacted Equifax on XX/XX/XXXX to initiate the dispute, they completed the investigation on the same day which proves they did not actually investigate the issue and generated an automatic response. When I tried to add a statement to the investigation result as explain in the report from Equifax, the website link they provide does not provide anywhere to include a response to your file. I have exhausted all available resources. I want a full investigation into this and want it removed from my credit report. I did not authorize a credit inquiry and was not provided with notification a credit inquiry would be done.
Product: Bank account or service

I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. AMSHER COLLECTION SERVICES violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy. 

15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 ***********. ( 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 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX XXXX several times to request written proof of this debt, but they have failed to comply with this request.
Product: Vehicle loan or lease

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations. 






Company has lied about final settlement and manipulated it multiple times
Product: Debt collection

Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.
Product: Credit reporting or other personal consumer reports

EXPERIAN verified the XXXX XXXX account thats currently reporting inaccurately. EXPERIAN never did a real investigation on the account they just verified it without doing a proper investigation which is required by law. This was a sham investigation and I am requesting method of verification for the XXXX XXXX account.
Product: Checking or savings account

I deposited a check in the amount of {$5600.00}. I was instructed by Capital One Bank that all of my funds will be available for use and withdrawal today which is XX/XX/2023. When today came my funds posted but not available for use it says.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent failure to remove fraudulent items from my credit report. Despite numerous requests and the submission of supporting documentation, these fraudulent items remain on my report, severely impacting my creditworthiness. I believe this situation violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system. If you are unable to verify the validity of these items, I demand their immediate removal. Additionally, I request a detailed explanation of the procedures used to determine the accuracy and completeness of the information in question. These are the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2019 I was told about a grammarly correction feature online for a monthly fee of aproxamately {$11.00}. I choose to use the feature for one month. Not aware I would be charged for a full year upfront. XXXX  system is not set up with a stop gap to give a customer a deliberate choice to opt out. ( in other words their system does not show what charges you are paying for ) The following day XX/XX/2019 I notice my account with Bank America was overdrawn. In looking at the problem I identified XXXX  had charged me {$130.00}. I immediately notified Bank I was instructed to call on Monday XXXX XXXX I called and received a credit of XXXX.. and XXXX  was credited for 1 month {$11.00}. 
I then received a letter from the bank dated XX/XX/2019 stating XXXX   had rebutted. The bank is telling me to resolve the issue with XXXX   who has not returned my calls with no avail. I have reported the issue to the Federal Trade commission reference number XXXX and was asked by the trade commission to file a complaint against the bank with cfpb.Thank you for the resolution to this matter
Product: Credit reporting or other personal consumer reports

I was recently denied credit from a bank, because my debit to balance income is reporting incorrectly, based on the incorrect student loan monthly payment around on my credit report/ My student loan has a payment due of XXXX XXXX per month, but my credit report from Equifax is showing an older payment of {$3800.00} per month. 

In order to be approved for closing for my loan, I need Equifax to update my monthly payment to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a 3rd party debt validation letter to Client Services , Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated to it. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Client Services , Inc. has failed to validate this alleged debt within the ( 30 ) day allotted time frame as pursuant to 15 U.S.C section 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Product: Vehicle loan or lease

Late charges on account only some months take late charges, and other charges in a lump sum being reported as late payment on credit report, showing missed payments. extra money paid every month is not being applied. This has been going on with my knowledge for 2 years plus. Since applied for deferment.