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

On XX/XX/2023, I deposited a check into my US Bank business checking account in the sum of {$350000.00}. I did this in person to make sure I would get the appropriate check hold information. After I was told there would be NO hold on the check, I confirmed that information with the teller before I left, just to make sure. The following day, I confirmed online that the funds had cleared and were available in my business account. As a result, I made online payments via my business credit card websites. I also wrote myself a check in the amount of {$150000.00}. Because this was a large amount, my husband drove to the bank and deposited it in person into our personal checking account. When he specifically asked about a hold, he was told there was NO hold. When the funds were available in our personal account the following day, I wrote ( and mailed ) checks to the IRS, the XXXX, and our roofer for our building in XXXX XXXX ; I also made online payments via credit card websites, XXXX XXXX XXXX ( property taxes ), etc. However, later that day, I received notices that our accounts had significant negative balances. When I checked our accounts online, the funds that had already been made available via the {$350000.00} business deposit and the {$150000.00} personal deposit had actually been DEDUCTED from our accounts. When I called US Bank, I was told that they had placed a 10-day hold on the {$350000.00} check sometime AFTER the funds had been made available in our accounts. Because of this, we have had NO access to ANY money and payments are bouncing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX {$0.00} XX/XX/20XXXX XXXX
Product: Checking or savings account

Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ). 

Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Debt collection

Back in XXXX I signed with XXXX XXXX aka XXXX XXXX resolution to consolidate my debt. In XXXX my term was completed and was paid to this company in full. To find that the company disappeared and never paid my settlement to the credit card company. Pressler Felt and Warsaw apparently bought my debt and then proceeded to come after me for the full amount. we went to court and I showed proof of all payments made to them. Unfortunately it did not go in my favor and I was denied in court. They then came back at me in XXXX in court when I felt pressured to sign documents then and there without being able to consult with an attorney. Now in XXXX they are contacting and harassing my employer and trying to garnish my wages for a debt that was already paid 8 years ago. I tried to contact the XXXX  and complain about company I signed on with located in Florida and nothing came about. I can not afford to pay this debt 2x and feel coming after me is not the correct person. They should be going after the company that stole my money and disappeared. Please help. The debt that was paid was {$10000.00} and there was a settlement with court in XXXX or {$11000.00} which I was pressured into and now they are trying for total {$17000.00}. This is crazy.
Product: Debt collection

In XX/XX/year> I paid off an account owed to XXXXXXXX XXXX XXXX through its billing vendor, Medical Data Systems ( MDS ). Due to numerous errors on MDS part, the auto draft on my account was never stopped. My bank account was drafted in XXXX, XXXX, and XXXX. I called every month and talked to numerous representatives about this. I was able to get a refund for XXXX and XXXX, but I have been fighting with this company since XXXX to get the payment the wrongfully took yet again in XXXX. I have spent hours on the phone with these people and can not get my money from them. An employee yet again made an error in XXXX and instead of issuing a refund, issued a credit. Since XXXX I have been waiting for that error to be corrected. Every time I call, I am told the situation will be escalated and I should have my refund in 7-10 business days. It has been well beyond that and I have been more than patient. I deserve to have my money refunded immediately. The procedures and customer service of this company are horrible.
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on my credit report, as I do not recognize them : XXXX Bank XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Bank Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX North XXXX XXXX Dist XXXX XXXX Account Number : XXXX XXXX XXXX Bank XXXX XXXX Account Number : XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, Georgia and I reside in XXXX Michigan.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a priority letter through the XXXX to : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I called Equifax to ask if they had gotten my letter and documents are they claimed they had not received any letter. I lost the tracking number so I was unable to verify if it had definitively been delivered. 

I sent a new letter XX/XX/2023 containing the same information ( Legal name change court order, photocopy of passport, photocopy of SSN card with physical mailing address on it ), and even though it has been delivered as of XXXX am XX/XX/XXXX, they are claiming they have not received any letter from me. 


This letter I sent is regarding a dispute about my personal information, as I wish to update my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original owner was XXXX XXXX  sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Product: Debt collection

I have carefully examined my current credit report and found several accounts that appear to have been added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXX like car loans credit cards and other agencies
Product: Mortgage

We are being held finacially hostage in an endless cycle of lost paperwork and always-expanding timelines. I've tried reaching out and asking for management assistance, but I never received a response via email or phone regarding this. 

XXXX XXXX - Reached out to mortgage company regarding release of liability process and requested paperwork. 

End of XXXX, early XXXX - Still hadn't received paperwork, contacted again, was informed request never submitted. Called several more times, paperwork showed up few weeks later. 

XX/XX/XXXX - Packet is placed in the mail using their provided, self addressed and stamped envelope XX/XX/XXXX to XXXX - Called to check on packet status, get update. Was informed our file didn't exist. Asked for management and help in locating our paperwork. We were informed they had lost our packet. Management would not escalate, return phone calls, or tell me how to submit the paperwork again. 

XX/XX/XXXX - found an email on my own, sent them an email regarding the packet, asked for confirmation it was received. I receive confirmation. 

XX/XX/XXXX to XXXX - emailed several times regarding packet and information they said was missing. I received an out of office response for my main point of contact but to contact a second email with questions. I contact the second email plus my original contact as well as call customer service again to escalate, but receive no response. 

XX/XX/XXXX - I finally received confirmation our packed was completed, placing us 12 days behind XX/XX/XXXX - reach out about status, get a response that says they're working on it but can't say when they'll be done. 

XX/XX/XXXX - email again for update. They say the same, they're working on it but can't say where it's at in the process.i point out that there has already been several delays and demand an estimate on how long it'll be. They're response was another 6 to 12 weeks. 

XX/XX/XXXX - more emails are exchanged, I ask for management, they still refuse to give me someone that can help or address the situation. I called customer service again and they say all they can do is send a message to my contact and that's it. There's nobody else they can contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit cards not mine XXXX  XXXX/PXXXX XXXX XXXX FCRA Violation : other loans not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names and address not mine 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine XXXX XXXX XXXX
Product: Consumer Loan

I have an auto loan through Santander Consumer USA. My 60 month loan payment is {$590.00} per month. I opened this account in XXXX 2013 and made the first payment in XXXX 2013. With few exceptions, I always pay {$600.00} to decrease the principal quicker and get out from under this loan quicker. 

XXXX ( XXXX ) payments later, I have discoverred that my principal has only decreased by {$2700.00} despite having made {$12000.00} in total payments. I have also discovered that Santander has taken my entire payment and applied only to interest on XXXX ( XXXX ) different occasions. 

I have called and tried to have this problem remedied and the customer service rep told me she would have the issue resolved and to call back in ten ( 10 ) days, which I did. 

Upon that call-back, I was informed that because my loan had went late XXXX times, they were taking the interest first and that the cost of the loan was just under {$13.00} per day. I told her I would have to be over 40 dyas late for that to be true and she claims that I was - just once. She explained that this was a simple interest loan and that this was how the loan was structured. 

I am not wise in the ways of finance at all, but I do know that my payments have been timely for the past year and that they are exactly where they are supposed to. My loan is current and I know there is no way this loan will be paid off in the 60 months. 

I am no getting any explanantion from Santander and I have spoken with local banks that deal with auto finance and they have recommended coming to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get approved for a mortgage. Citibank is reporting on XXXX   my ex-husbands credit card. XXXX  and XXXX  do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and Citibank has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from Citibank stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first credit card was opened for XXXX XXXX XXXX XXXX  which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX Comenity Bank which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the XXXX inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The website XXXX XXXX XXXXearlywarningXXXX has some sort of warning on my account i was told by XXXX XXXX XXXX XXXX I am trying to sign up and request a copy of my data and the site does not allow you to even try to sign up. 

I've tried multiple devices, locations and keep getting the same error. Why have a site and service such as this if it is impossible to get pass registration? 

This is the error. There is no way my information is invalid, it only ask for your email. 
Invalid registration info, invalid reCAPTCHA response, or not allowed to register from this location.
Product: Debt collection

CHASE Credit CardXXXX XXXX, XXXXClosed $ XXXX DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Credit CardAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXX Date XXXX XXXX, XXXX $ XXXX -- Monthly Payment $ XXXXResponsibility Authorized UserBalance $ XXXX Balance $ XXXX Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX 30/60/90 Days Late 0/0/0Remarks Charged off as bad debtCanceled by credit grantorMy deceased fathers debt. Not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There are inaccuracies on my credit file that have been trying to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose