23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Here is what happened at Flagstar Bank, XXXX XXXX XXXX, XXXX Branch, MI. 

XX/XX/XXXX -@XXXX XXXX, Submitted a personal check from Chase for {$30000.00} to credit into my Business account. I wanted to transfer the fund to my trading account by next day but I was told that it takes max of 2 days before it can be transferred. 

XX/XX/XXXX - Checked my Flagstar business account balance. It did n't show the credit.

XX/XX/XXXX - Checked again in the morning and afternoon. Did n't show the credit. 
XX/XX/XXXX - Same. Did n't show the credit XX/XX/XXXX - Same. Did n't show the credit. 
XX/XX/XXXX - Checked and did n't see the credit, I got annoyed with the delay. Called the XXXX branch office and enquired about the status with the manager. 
The manager indicated to me that she sent a notification on XX/XX/XXXX stating that the fund transfer would be on hold. Pressing for details, she mentioned that she received an electronic notification from XXXX indicating that the funds transfer would be on hold. I was asking for Bank 's process in clearing local checks and the reason for such abnormal delay. She kept telling that this is normal and it is bank 's process. She asked me to follow-up with XXXX XXXX and bring the " cleared check '' so that she can credit into the Flagstar account. If not, it will be cleared after 6 days, on XX/XX/XXXX. 
Since, I already lost 4 days and needed the funds immediately, I went to chase and asked why my personal check is on hold for clearing. To my surprise, the officer told me that the check was cleared and sent to Flagstar on XX/XX/XXXX itself. XXXX XXXX officer gave me the " cleared check '' and my personal account balance showing that the check amount was debited from my account on XX/XX/XXXX. 
I took the " cleared check '' back to Flagstar bank and the manager credited the amount immediately. Here are my questions ; When the check was cleared by XXXX and sent to Flagstar on XX/XX/XXXX, why this was not credited to my account immediately? 
It is very clear that {$30000.00} was credited to Flagstar on XX/XX/XXXX and they were using the funds for the past 5 days ( XX/XX/XXXX thru XX/XX/XXXX ) without crediting to my bank account. To me this is fraud and as a business owner I lost the opportunity to make {$200000.00} in Day trading using this funds. I also went through lot of emotional distress as the funds were not available immediately. 
Flagstar needs to compensate me for the loss and STOP using customer funds. 
Thanks, XXXX
Product: Payday loan, title loan, or personal loan

How can an already established customer who always make on-time payments for over a year, start off being approved by the lender up until you actually meet with their representative? This is how ... I contacted them to apply for a loan for an emergency and they told me approximately 24 hours later that I was approved as long as I bring in pretty much the same documents I was required to bring in the last loan I received through them. I brought in the documents and the minute she approached me ( the lending specialist ) I immediately assumed she must've been having a bad day since her attitude, demeanor, and commentary was nothing like what I had experienced while speaking with her on the phone. I attempted to cheer her up by being complimenting but her attitude just continued to get worse. Then she started asking me for whatever documents she can come up with ( e.g, birth certificates, credit card & bank statements ) that had nothing to do with the list of requirements she expressed to me over the phone or nothing similar to the list of documents that I had to bring to them my last closing. It was then that I realized that she was attempting to figure out a way to turn me away for no other reason but my appearance since her attitude was nothing of the sort over the phone. My first loan officer was thorough, friendly, and willing to answer all questions since it was my first loan ever. This different/new One Main rep told me she no longer needed the documents and will get back to me the next morning. The next day she called to informed me that even though I had once been approved they decided to deny me and they will send me a letter with an explanation and she was rude enough to hang right up on me. Weeks later they sent me a letter stating only that I was denied and I would have to make a request in writing if I wanted to know the specific reason for their decision. Over a month later they sent me another letter saying that an application that I had never been given was incomplete. I had done everything I was expected to do, I maintained a great credit history with ONe Main with their extremely high interest rates, I brought in all documents required which included the same employer from the first loan, I even showed up to my appointment when asked and I still got mistreated and told anything. I am attaching both correspondences I received back from One Main regarding this loan.
Product: Debt collection

I left XXXX back in the end of XX/XX/XXXX of Last Year and informed them to close my Account. At the time of closing, I paid {$400.00} to end my contract with XXXX. XXXX took my information and never updated it to the new address. Thus, they -supposedly- sent out a final bill in mail format- though I have opted for all information to be electronic ( for obvious reasons ) - and with my mail forwarded NEVER received a bill. Fast forward to XX/XX/XXXX, it shows up on my Credit Report as closed in XX/XX/XXXX with an amount of approximately {$280.00}. I go into a store and they said they 'll notify the actual correct people to fix it. It never was fixed. Also, at this time, I filed a dispute with the appropriate credit reporting agencies. In XX/XX/XXXX, apparently, it was re-posted to my Credit Report- with a higher amount of over {$1000.00}. Again, I go to a XXXX store whom claimed I had to call their collections. I called the collections whom refused to have the debt removed claiming- I never paid the original amount. Also, on the same call, the collections agent is stating to me conflicting information- and stated I need to produce a Bank Statement for a bank account I closed for two amounts equating less than the amount they posted to my credit report- by about {$400.00}. Now, I 'm writing a written complaint to every agency explaining the situation. They never sent me a bill so I could internally dispute the information reasonably- before posting it to the various agencies. It is no longer reasonable in that I closed a bank account about a year ago to ask a bank to produce an electronic statement- for a date I can not remember- when I have hundreds of transactions a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! 

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports. 

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

New : FTC Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Trans Union Attn : Consumer Reporting - Relations Dear Sir/Madam, I, XXXX XXXX , request immediate removal of the following unauthorized inquiries from my credit report and fraudulent accounts : Inquiries to be Removed : 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 Furthermore, the following fraudulent accounts must be removed immediately as there are not mine : Account to Remove : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} Also, update the following account to reflect no late payments : XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, my credit score dropped unjustly from XXXX to XXXX. I have submitted multiple disputes and a revised FTC/Identity Theft complaint. Despite my XXXX years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from Trans Union to my status as a minority middle-aged white woman. This situation violates the Fair Credit Reporting Act ( FCRA ). 


Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( TU ) Name : XXXX XXXX XXXX ( TU ) Name : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( TU ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( TU )
Product: Debt collection

THE EMAIL BELOW IS XXXX OF XXXX THAT I HAVE SENT TO THE PERSON THAT HELPED ME AT MAURY COBB AND ASSOCIATES , LLC ( XXXX XXXX XXXX XXXX , XXXX XXXX , AL XXXX - XXXX - HER NAME IS XXXX XXXX ) I HAVE SENT AN INCREDIBLE AMOUNT OF EMAILS AND TO THIS DAY, I HAVE GOTTEN NOTHING BUT THE RUN AROUND. THIS HAS ADVERSLY IMPACTED MY CREDIT AND THIS COMPNAY HAS TOTALLY MIS-REPRESENTED THEMSELVES. 

This email is in response to my verbal debt settlement agreement for a XXXX account made between us both on XXXX/XXXX/16. I appreciate that your company was willing to work with me in settling this debt showing up on my credit report. The sole purpose of my verbal agreement with you was to settle on an amount ( {$200.00} ) and get the listing removed from my credit report. I made sure to ask you several times if the letter that you would send me would state that the amount was settled, and most importantly, that the letter would be submitted to all XXXX credit bureaus asking them to remove it from my credit report. We spoke on Friday XXXX/XXXX/16, and you mentioned to me that the letter that I just described would be sent to me the following Monday XXXX/XXXX/16. I never received your promised letter. You had also confirmed to me that the account that still continues showing on the collections section of my credit report was to be removed within 10 calendar days from the receipt of payment on XXXX/XXXX/16. That has yet to happen. 

I am sending you this email now to once again request that you send me the promised letter before the end of this business week, and that you co-ordinate with the credit bureaus and eliminate all the negative markings related to this account. This is urgent for me since I am working on rebuilding my credit as quickly and effectively as possible. I am going through a divorce at the moment and trying to re-establish myself and my credit as a single mother so that I can qualify in short order to buy a home for my children and I. That is my personal motivation that is driving me to urgently get this account removed from my records. I need to bring up my credit score to qualify for the purchase of a home for my kids, and unfortunately, this was an account that my soon to be ex-husband had under my name that of course, he closed without paying. 

XXXX XXXX, you were very kind over the phone when we spoke and I am asking you once again to keep through on your word and speak to your managers to quickly send me the letter that I urgently need to show that this account will be removed from my credit report with all XXXX bureaus, and to also submit that letter and request to the XXXX credit agencies so this can be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Credit card

On XXXX, XX/XX/XXXX, I called AAdvantage by Citibank to change the credit card type I had applied for. I having been trying to get a credit card that would give me airline mileage. I have excellent credit. XXXX turned me down twice ( after telling me to reapply again after being denied the first time ) so I obtained XXXX ( Platinum ) from Citibank but realized it was not the one I wanted. I called Citibank back after being accepted and asked them to upgrade the card to Platinum Select. They said I would have to cancel the first card and reapply for the Platinum Select. I asked them to cancel the card ( which I had not even received yet ) and told them I would reapply. Once I did this, I reapplied for the Platinum Select Citibank card. They denied me and told me I had applied too many times and would have to wait 48 months!!!! What the XXXX? I reapplied when they told me to, then my score was downgraded I and I can't get their XXXX credit card! Everything works against the consumer with these credit card companies and no one is overseeing them properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and identified inquiries that I am not aware of where it came from. Listed below are the Inquiries appearing XXXX  # XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/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 XXXXy ) XXXX XXXX XXXXXX/XX/XXXX ( Transunion Inquiry ) XXXX XX/XX/XXXX ( Transunion Inquiry ) XXXX XX/XX/XXXX ( Transunion Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Transunion Inquiry ) Please investigate and Delete these items on my report
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item or the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 XXXX XXXX XXXX XXXXXXXX submitted an auto-pay of {$290.00}. I contacted the XXXX XXXX XXXX asking for a refund and to no longer charge my credit card. I received no reply to my request so on XXXX XXXX, XXXX  I disputed the charge with Citi Cards. Case ID XXXX Reason for Dispute-Unrecognized charge- Card ending in - XXXX It was determined on XX/XX/2024 that I was responsible for the charges. I immediately emailed Card Services and stated : " Simply because the vendor issued Citi Bank a few pages of their policy doesn't mean that I authorized the charge, which I did NOT! The charge was a total surprise to me in as much how they made my " one time '' purchase a yearly autopay. It was NOT made clear to me thus making it fraudulent. Why Citi took their side is very disappointing considering I couldn't find an authorization in the vendor 's paperwork giving them the right to charge me, yet Citi Card approved the charge anyway. What the vendor and Citi Card did was wrong. Is the same injustice going to happen again this time next year? '' I waited over two months for a reply from Citi-Cards and have yet to receive an answer, thus the reason for this complaint.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company ( XXXX XXXX  ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake. 
I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time. 
Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

account is reported on TransUnion WITHOUT any Payment history. I kindly request the removal of all accounts due to inaccurate reporting. I have attached supporting documentation showing the proof. This misinformation has caused significant issues for me, especially as a service member with a security clearance that requires financial stability. Despite having paid the account in full, it is negatively impacting my credit. I urge you to assist in removing these accounts from all three credit bureaus. Additionally, your prompt attention to this matter is greatly appreciated. Thank you for your assistance.
Product: Debt collection

Carmax to take the charge off off my account for {$11000.00} and stop reporting on my credit. The car is paid off and I have the title and Im the lien holder. They are damaging my credit and they know we are the owner of the vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my XXXX XXXX XXXX XXXX XXXX and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My XXXX XXXX  and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including XXXX XXXX XXXX XXXX XXXX XXXX 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my XXXX XXXX, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Mortgage

I bough a XXXX bedroom apartment and got a Mortgage from Wells Fargo in 2009 XXXX is tha name of the company My address is XXXX XXXXXXXX XXXX XXXX Case number is XXXX I receive a banks letter saying that I cant leave more than XXXX months out of the city and I cant go visit my sons that I have in Pennsylvania I would like to make a complaint
Product: Credit card

On XX/XX/XXXX a payment of {$1800.00} was made in error and then came back returned on XX/XX/XXXX. The returned payment was paid on XX/XX/XXXX with XXXX other invoices with a return credit of {$2400.00}, in which I paid {$36.00} from my bank. Home Depot Commercial has since put my account on hold because of the returned payment ( or so they say ) of the {$1800.00} which they kept telling me that I had to make this payment, not really understanding any of it I agreed to pay {$1400.00} after subtracting my recent payments from that number. The way that the commercial accounts have always worked, any payments have to be attached to an invoice but this payment is not attached to anything, my balance hasn't changed and it isn't attached to anything. This for a while now is leading me to believe that Home Depot/CitiBank isn't properly their employees, if they would've investigated they would have known that my returned payment was already paid which is what I was trying to tell them, but they acted like I was incompetent and didn't know what I was talking about. I have pictures of the returned payment but I also have pictures of the returned payment being paid for. They said that's why its on hold, giving me no choice but to pay {$1400.00} to get my account out of a hold status and would take XXXX, but that was 3 days ago and it is still on hold and my account still has an error which leads to believe they have no idea what they are doing. All they have to tell me is how long is my account on hold and why they waited XXXX weeks to put it on hold.
Product: Vehicle loan or lease

Chrysler capital is reporting to all three credit agencies that there is an account that is severely delinquent and about to be repossessed. I have Provided Chrysler capital and all three credit bureaus proof of identity theft, and the federal trade commission reports Ive also pointed out to everyone that the Chrysler capital has a drivers license on file that starts with the letter Y my drivers license starts with the letter XXXX this is not my account and they will not remove it from my credit report