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

In  XXXX  of  XXXX  I pulled my credit report and found t hat Dept. of  Education/ XXXX  was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred  while my income based repayment plan application processed. On the Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- sent return receipt request via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was asked and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not report 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this wa s unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .  XXXX  sent notification that they saw this and removed the late payment.   XXXX   and Equifax declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 A FRAUDULENT ACCOUNT WAS ADDED TO MY CREDIT PROFILE IN THE NAME OF " XXXX XXXX '' I NOTIFIED THE CREDIT BUREAU IMMEDIATELY AFTER NOTICING THE FRAUDULENT ACCOUNT AND SOME INQUIRIES. THE BUREAU TOLD ME IT DOES NOT HAVE TO BLOCK OR SUPPRESS THE FRAUDULENT INFORMATION FOR 30 DAYS OR EVEN 45 DAYS UNTIL THE COMPANY 'S INVESTIGATION IS FINAL. I HAVE SENT IN MY AFFIDAVIT, POLICE REPORT, FTC REPORT, AND UNITED STATES POSTAL POLICE REPORT.
Product: Checking or savings account

I had {$100.00} in $ XXXX that I tried to deposit at a Wells Fargo ATM on XXXX XXXX in XXXX yesterday, XX/XX/XXXX. I accessed my account, selected deposit cash and entered XXXX {$20.00} bills ( I've deposited cash in the past here ). But this time, the ATM screen went yellow, and after many seconds, it started spitting my {$20.00} bills back out. At first, I got XXXX of them back, then after about XXXX seconds I got a XXXX bill back. BUT, I never got my fifth {$20.00} bill. The screen was yellow with an orange exclamation mark, then it just started over for a new customer transaction. I deposited {$100.00}, I got back {$80.00}, with no receipt and no way to prove I had lost the {$20.00} ( other than I guess a camera? ). 

So, I went into the bank next to where the ATM is located and told them the situation. The XXXX was too busy to assist, so the teller simply asked me if I'd like to deposit the remaining {$80.00} balance with her ( which I did ), and the she took a few details on a yellow sticky note about the {$20.00} their ATM had eaten. No one ever apologized for or acknowledged the situation... I was just simply out the {$20.00} and they " would get back to me as soon as they could, or I should just call the XXXX number on the back of my debit card... maybe that would be faster. '' So, I called the XXXX number, went through a couple different people trying to get a claim submitted, which was a terrible experience as it usually is ( I was told the first agent 's effort apparently didn't work, so my second claim is what's in the system ). 

My issue is, I needed the full {$100.00} cash deposit yesterday to pay a bill that's due... but I wasn't going to get my {$20.00} ( maybe? ) until XXXX working days from now. Wells Fargo decided they should keep it until is was resolved... the multi-billion dollar company, as they always do, put money over people and fair customer service. 

I still don't have my {$20.00} back, I've never been called by the Wells Fargo XXXX to discuss it, and I had to borrow {$20.00} from my brother to pay my bill. This kind of customer treatment is unacceptable to me. I've been a Wells Fargo customer for decades, but you'd never know it. 

I just hope you, or someone, can help me get my {$20.00} back ... I get it, it's just {$20.00}, but what if this happens to people who seriously can't afford to lose money ( even {$20.00} bucks ) at a malfunctioning ATM? The bank should have apologized and immediately credited me the {$20.00} while it was under investigation, not the other way around.
Product: Credit card or prepaid card

On XX/XX/2020, I applied for the XXXX XXXX from American Express. Upon completion of the application, I received a message stating that American Express could not approve my application. I checked my email, and received a message from amex stating that they had finished processing my application. This message provided a link for me to check the application atatus. After providing my personal information, I was given access to my application decision letter. 
After reading it carefully, I noticed some problems with the application decision. 

The following were the reasons for the decision : 1. The number of creditors who have reviewed your credit report : The problem that I have with this point is : how meny hard inquiries is too many? 
Without knowing what this number is : how can I know when I can apply, and when I should wait? 

2. Your credit report indicates that you have one or more seriously delinquent or collections and or derogatory public records on file : There are multiple issues with this point : A. Which is it : one or more seriously delinquent? collections? derogatory public records?

B. I paid off a collection account five years ago, why was it not an issue when I applied for my first card nearly two years ago? 

Further down the letter there is a section titled " information about your FICO Score. '' Under the information provided there is yet another list of reasons that my application was not approved. Once again, there are issues with these reasons : 1. Derogatory public record or collection filed : Again, the account was paid five years ago. Why was this not an issue when I applied for my first card nearly two years ago? 

2. Lack of recent information on installment accounts : A. Why is it a requirement to have installment accounts in order to obtain a new card?

B. When I applied for my first card nearly two years ago, I did not have any installment accounts. Why was this not an issue back then?

C. I have no use for an installment account at this point in my life. I am no longer a student. I can not XXXX XXXX a vehicle, therefore, I would not be able to obtain an auto loan. 

3. Too many inquiries in the last 12 months : As asked above : how many inquiries it " too many ''?

4. Length of time accounts have been established : According to my XXXX credit file, my average age of accounts is 5 years. 
Why is that not long enough for American Express? 

I have had these same issues with American Express in the past. I feel as though the corporate office simply provides a rubber-stamped answer to me, hoping that I will just go away. I have fulfilled all of my credit obligations, yet American Express refuses to XXXX credit line increases, open new cards, or reinstate my XXXX XXXX XXXX that I had mistakenly closed. I feel that I am wasting my time in filing a CFPB complaint, because American Express will not acknowledge or address my concerns
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXX in the amount of {$18000.00}, does not belong to me and currently is in LITIGATION. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gardens ( Mo ) 281 SW 715 719. I presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''
Product: Student loan

In the year of XXXX I was working XXXX jobs to go to school and try to keep a roof over my head as we had just moved in our hruome in XXXX and my husband was alive at that time. My husband died on XXXX XXXX, XXXX and I had all the responsibilities of maintaining my home, paying all the bills and attempting to complete my college education so I could get better employment or go into business for myself. I got hurt on my job at XXXX and could no longer work XXXX jobs and tried to work at my XXXX job. Because my injuries were as such I could no XXXX and my supervisor refused to reassign me to XXXX floor my doctor recommended I leave this type of employment which was hindering my healing of my injuries and my financial problem worsened, my home went into foreclosure and my bills became behind while my medical bills increased in costs and my health worsened. I could no longer pay my students loans in a timely manner. I graduated on a XXXX at age XXXX and have not held a regular job since. I am now on a XXXX at age XXXX and can not work any where due to the recent stay at the XXXX XXXX and was recommended I go to XXXX, My XXXX doctor completed the required forms three time and I was sent another letter for him to complete ( see attachment ) which he is willing to do. Meanwhile I am getting repeated calls from various school loans creditors to bring my school loan account up-to-date. I can barely purchase food, my medication or pay my bills since I can not work. I was told by the Department of Education that a letter was sent on XXXX XXXX, XXXX to make the school loan creditors aware not to continuously call me as they were reviewing my eligibility for XXXX status. I told the school loan creditors this fact and they told me " I am not aware of this letter! '' The calls are still coming at a greater rate than before I was told it was sent. I was in the XXXX XXXX on XXXX XXXX, XXXX until XXXX XXXX, XXXX with XXXX XXXX XXXX of XXXX, I am now on a XXXX from the XXXX telephone calls regarding my inability to pay my student loan as much as I would like too work again and pay all of my bills.
Product: Checking or savings account

On XX/XX/2023 I deposited a work check, I received and email stating that the check was accepted, however it noted that all funds would be held until XX/XX/2023. No other explanation about as to why. I went to log into my account and it said they have accepted the check but havent collected the funds from the other bank ( XXXX XXXX XXXX ). I called and the first representative said that funds would be available by the following day. The next day I had no funds from my work check in my account. I called and had an employee pick up the call but mistakenly didnt realize it and spent the next 20 or so minutes having an entire full conversation of their personal life with someone in the background, I have the entire call recorded! The representative finally hung up on me without taking my call. I call back several times to speak to a specialist to see about them releasing the hold on my check and they refused saying they first could not reach anyone and then I needed to call back the following Monday. I called back today ( Monday ) and get told that I must wait until XX/XX/XXXX to see about the funds being released and questioning the validity of the check. I told them they already confirmed they accepted the check via email, so there was no reason to hold the funds for verification if it shows already stamped. They told me they would release the funds to get me off the phone and never did. I told them over the phone that the federal law says that they had to make available a portion of the check under the Expedited Funds Availability Act and the banking supervisor says that their policy supersedes the federal law. I told him that he is incorrect and to show me the policy stating they withhold the checks for how long ever the bank determines and he would not email it to me. I told him I have the print out of what the Chase Bank says on their website about releasing {$220.00} while check verification is ongoing. He still refused to acknowledge this, saying they would not release the check funds.
Product: Credit reporting or other personal consumer reports

My credit score decreased by XXXX points on XX/XX/year> without explanation. 
XX/XX/year> XXXX XXXX XXXX balance decreased and XX/XX/year> XXXX XXXX balance decreased by XXXX %. 
Im trying to understand why my credit score decreased? I seem to be stuck in the XXXX category and credit score will reach XXXX but it always decrease back to the XXXX. I will be keeping a close eye and continue to report suspicious and erroneous activity on my credit report.
Product: Checking or savings account

On XXXX I deposited a check in the amount of {$530000.00} into my Bank of America business checking account from XXXX for a vehicle that I sold them. I was given a deposit slip that stated {$5300.00} of the check will be available on XXXX and the remaining {$47000.00} will be available on XXXX. On XXXXXXXX  I noticed that I couldnt login into my online banking portal. I called BOA to see what the matter was and they informed me that my account was locked and in a closing status. BOA informed me that the check I deposited was unauthorized and they were closing my account on XXXXXXXX  I called XXXX and spoke with a lady name XXXX in there Customer Relations department. She informed me that no one at XXXX nor their bank ( XXXX XXXX ) unauthorized this check. She emailed me a copy of the draft showing that the funds were paid to BOA on XXXXXXXX I called BOA and they informed me to have XXXX give them a call. I called the Customer Relations department for XXXX again and spoke with the same lady. I informed her of what BOA had told me to do. She gave me a call back about a hour later and informed me that BOA wouldnt speak with her without me giving authorization. I called BOA back with XXXX customer relations analyst on 3way in which we set on the phone for another hour just to be told that BOA couldnt talk on a 3way call. The XXXX analyst gave me a XXXX phone number and extension for BOA to reach out to XXXX. I waited until XXXXXXXX  to call BOA back about the closure of my account in which they informed me that the closure date has been pushed back to XXXX. I asked about my funds that were in the account and also the check either being mailed to me or sent back to XXXX and BOA informed me that nothing will be done until the closing process is finished. I asked them for proof that XXXX told them that the check was unauthorized and they wouldnt provide it. Each time I called BOA they were very rude to me it even had gotten to the point they will put me on hold for a hr then hang up the phone on me. I called BOA on the XXXX and they are now telling me the account will be closed on XXXX. When I ask for proof that they were told the check was unauthorized they tell me that they cant provide it until the account is closed. BOA keeps telling me to take it up with XXXX but XXXX is saying theres nothing they can do u til they receive their funds back. XXXX said they will issue me another check immediately after that {$53000.00} comes back to there account. BOA keeps procrastinating and withholding the funds so this matter cant be resolved. I informed BOA that I cant pay my employees payroll or bills because they are withholding funds. This is causing a strain on myself and my business. I have audio of BOA representatives saying that XXXX said the check was unauthorized. I also have audio of XXXX representatives saying they didnt say the check was unauthorized
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Student loan

I Attended XXXX XXXX College of XXXX Nc in XX/XX/XXXX for XXXX  and graduated XX/XX/XXXX. This school has shut down and now I'm stuck with paying loans for a school that has been shut down.
Product: Mortgage

In XXXX I applied to have my mortgage insurance removed. Chase requested a check and said a broker would do an estimate. However, the broker used comparison sale data of over 12 months old and nothing similar to my home. I brought this up to Chase, and they said for me to submit comparison data of homes less than a mile away and no more than 6 months old sales data. When I did do this, Chase refused to accept the data without providing any reasoning. Furthermore, Chase 's customer service rep tried to belittle my opinion by insulting me when the data they are using does not fit the parameters of their own rules. Chase decided to use old data to keep my mortgage insurance and they kept my fee for a broker opinion that was tainted and false. The entire process is a sham and fraud. Chase has no desire to follow their own rules for estimating a value of a home and rather just keep the extra {$100.00} they charge customers.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.
Product: Credit card

Fraudulent charges ( {$8000.00} ) were made on my XXXX XXXX XXXX store account through Wells Fargo. The charges were made in XXXX XXXX, I live in Kentucky. My address and phone number was changed on Wells Fargo system without them ever notifying me to the changes or asking for confirmation from me. We tried to work on the dispute but it ultimately failed when they sent me a letter saying that I must have given permission to someone to make the purchase. They were extremely hard to work with and kept transferring me to different departments making it extremely hard to get them what they needed
Product: Money transfer, virtual currency, or money service

I have been using XXXX XXXX XXXX XXXX located in NY and recently decided to withdraw my USD amounting to XXXX back into my bank account. Per their instructions and policy I made sure the deposits I made there had cleared, that my identity and that my bank account info was verified to their standards. However, they do not allow me to select my bank to transfer to and insist I add another bank for no discernible reason and with no explanation. I have not performed any action that would warrant a hold or freeze detailed in their TOS. I have attempted to contact them multiple times since the beginning of this week both via email and through social media with no reply. I have spent hours searching for answers due to their silence and have found their social media pages flooded with complaints of people waiting months with no answers. I have not found any viable answer as to how I can initiate my transfer whatsoever and I am far from alone in this. I am currently unemployed, have a new daughter, and there is a pandemic. I anticipated that my money could be held for some days due to processing, but to have it held in uncertainty with no explanation for months will be truly damaging and is by all means entirely inexcusable.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Unauthorized XXXX XXXX Bankruptcy from Consumer Profile Dear TransUnion, I am writing to bring to your attention a matter of utmost importance regarding my consumer profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and in accordance with the Gramm-Leach-Bliley Act ( GLBA ), I have discovered that a XXXX XXXX bankruptcy is being reported on my profile without my authorization. I firmly assert that the reporting of this bankruptcy is a violation of my privacy, constituting identity fraud. 

Under Section 611 of the FCRA, consumers have the right to dispute inaccuracies in their credit reports. Additionally, the GLBA requires financial institutions to safeguard the confidentiality and integrity of non-public personal information. Despite these legal provisions, I have not provided written consent for the inclusion of this XXXX XXXX bankruptcy in my consumer report. Even if there was a permissible purpose, my consent is a prerequisite, which I have not granted. The presence of this unauthorized item is not only unverifiable due to lack of my consent but is also tarnishing my creditworthiness, causing me substantial harm. 

In accordance with Illinois state law, including the Illinois Personal Information Protection Act ( PIPA ) ( 815 ILCS 530 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ), the unauthorized reporting of this XXXX XXXX bankruptcy is a clear violation of these laws. This reinforces the obligation to protect consumer data and ensures fair business practices. 

I am aware that under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving a consumer dispute. I hereby request TransUnion to conduct this thorough investigation promptly and provide written consent from me that allows the inclusion of this item within my non-public personal information. Furthermore, I insist that TransUnion takes action to delete this unauthorized item from my consumer profile within the 30-day timeframe as stipulated by the FCRA. 

Failure to comply with this request within the specified timeframe may be considered willful noncompliance, potentially subjecting TransUnion to consequences outlined in both the FCRA, the GLBA, and Illinois state laws, including PIPA ( 815 ILCS 530 ) and the Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ). I appreciate your immediate attention to this matter and expect a timely resolution. 

Done in good faith.