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

XX/XX/2021 : Used USAA Mobile APP to deposit two XXXX XXXX XXXX XXXX in the amts of XXXX and XXXX. Noted that {$700.00} would be held from the 2nd deposit.

Contacted the bank to request funds be released ( need to pay the rent! ). Was informed that the image of the check for {$800.00} was not yet available. Supervisor I spoke with stated that he would be happy to release the funds under the circumstances but without visual verify of face of check there was nothing to be done. Instructed me to return call the next day. 
XX/XX/2021 : Contacted USAA. Spoke with member of Executive Resolution team who stated that since I had had an NSF within 90 days that they would not release the funds.

Note that USAA had most recently NSF 'd an {$80.00} pmt to XXXX XXXX ( USAA is my current Insurance carrier ) when the account had $ XXXX. It is a curious coincidence. 

In truth, owing to unemployment during COVID era I had had some difficulty making ends meet. However, I have been working and depositing XXXX $ XXXX weekly for about 8 weeks. I have had a couple of NFSs ( valid ) while I am paying out large sums to bring other accounts to current and adjusting to the new pay schedule. 

I learned from one of the USAA reps that Digital Deposits are not covered by Expedited Funds Act nor the XXXX XXXX  ' act. Result is that it seems that it is a gray area and USAA makes its own policy. 

USAA has a single branch in XXXX XXXX, TX. 
USAA does not have/offer walk-in service agreements with any other banks. 
The only way to deposit funds is either payroll deposit or through their digital deposit phone app. 

The above facts put EVERY depositor in a situation whereby USAA can, and does, act only on policy and holds deposits for longest period of time permitted by law. In my case, I was informed that my funds would be released at XXXX XXXX on XX/XX/XXXX - XXXX business days later. This hold is placed on an instrument that must be paid for in CASH. A XXXX XXXX MO is no different than a certified bank check -- excepting the requirement of membership at that institution and the cost where applicable. 

The practice of only offering digital deposits and holding nation brand Money Orders for 5 bank days serves only to provide revenue to USAA. It is an unfair practice and skirts the intent of recent banking laws by hiding in the text they were written in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute Regarding Inaccurate and Unverifiable Information on My TransUnion Consumer Report To Whom It May Concern, I am filing a formal dispute against TransUnion through the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unverifiable information on my consumer report. Despite my previous request for a proper investigation, TransUnion has failed to conduct a thorough review of the disputed information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the account in question is : - **Creditor Name : ** XXXX XXXX XXXX  XXXX XXXX Number : ** XXXX I am now formally requesting the following documentation as proof that a legitimate investigation was conducted : 1. The complete results of your prior investigation.

2. Records of all individuals you contacted during your investigation, including their business names, addresses, and phone numbers.

3. Documentation that substantiates the claim that this account was reported late, including a payment history record verifying any late payments.

If TransUnion is unable to provide these information within **15 days**, I demand that this account be updated to reflect **PAID NEVER LATE** status and that I be sent an updated copy of my credit report reflecting these corrections.

Failure to comply with my request will leave me no choice but to escalate this matter further, including filing complaints with the Federal Trade Commission ( FTC ) and considering legal action for non-compliance with the FCRA.

Please provide a written response and any supporting documentation at your earliest convenience. Thank you for your prompt attention to this matter. 

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

Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in Equifax is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XX/XX/2022 I called Equifax after applying for an apartment and the apartment saying they couldnt pull my credit report. I spoke with a rep who verified me with a link where I uploaded my drivers license ( front and back ) and a selfie to prove my identity. He then said everything was fine on their end, no freezes or issues, and that it must be the rental agency. The rep said I could create an account and pull it myself so I attempted it while on the phone with him. I immediately got an error code NH which means no hit so I wasnt able to access the report. The rep said he would escalate the issue but Im now at risk of losing out on the apartment if they cant pull this report. They refused to email me the document or get me immediate access.
Product: Credit card or prepaid card

Closed my account with no warning called three times for explanation with no real answer except letter in mail letter dated XXXX2019 recurved XX/XX//2019 not explanation vague answers I have 0 missed payment in 4years
Product: Credit card or prepaid card

I never applied for this account or give approval Barclays bank Please remove.
Product: Credit card

I have contacted American Express customer service XXXX separate times to inquire about when I will receive my welcome offer of {$300.00} credit and {$30000.00} mileage points associated with Offer Number XXXX, since I made the qualifying purchase of over {$1000.00} on XX/XX/2023. The last time I spoke with American Express on XX/XX/2023, the customer representative opened a case { reference number XXXX ) since he could not identify why I had not received my promotions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my report, I have identified multiple errors, discrepancies, and unfamiliar accounts. The volume of negative items reported against my credit speaks to the inaccuracy of the information being provided.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I contacted Transunion to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX , and they did investigate my dispute but did not update and delete the inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 of 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Multiple Federal Laws are being broken by the credit bureaus and XXXX/ XXXX XXXX
Product: Debt collection

A collection agent ( female ) identifying herself with XXXX XXXXXXXX XXXX  XXXX is calling on behalf of an Indigo CB for a debt that she claims I/we owe of {$25000.00}. She threatened to call the authorities and is using tactics that are below the belt ( " you and your wife are fraud and will be in prison for the rest of your life. '' ) Every-time I tried to pass my attorney 's information to her, she'd hang up. She'd purposefully not want to hear it. I did see that she was calling from a cell phone so I texted it to her instead, hoping she does get it. 

The numbers she's called me on are : XXXX and XXXX I've never heard of XXXX XXXXXXXX XXXX XXXXXXXX nor have I heard of Indigo. She asked me about our business- to which I answered it's been going slow, but I wasn't sure who she was at first. She excoriates the person who she's on the phone with. I understand collections is a tough job but she doesn't let anyone get a word in edgewise, doesn't answer my calls back, threatens to have the cops over today to arrest me, and yells on the phone. Beyond that, her remarks are beyond harassment, I've never been talked to with such offensive language used towards me in my life.
Product: Debt collection

Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. The company they state I owe is XXXX XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. Please remove this fraudulent account from my credit file correspondence below. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, TransUnion and XXXX illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, TransUnion and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, DPT ED/XXXX account number XXXX and DPT ED/XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency Can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profi le and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Product: Checking or savings account

Last Friday I contacted NAVY FEDERAL BANK about suspicious activities on my account. XXXX representative accused me of lying and she then closed my account because she knew my Social Security check would be deposited today I called before today and was told I could still access my money today only to discover thats untrue.. I had my daughter to drag my partially paralyzed body to the bank.. they said my I.D was expired.. so we then obtained a new ID Card went back to the bank.. only for them to tell my daughter because I have issues speaking they refused to help me and is not releasing my Social Security check.. its not their right to withhold my money especially since I complied with everything they requested its discrimination because Im sick and its awful NAVY FEDERAL HOLDS YOUR SOCIAL SECURITY CHECK BEWARE XXXX!!
Product: Debt collection

XXXX XXXX sold my information without me knowing it to Calvary Portfollio Services, LLC. My credit card was hacked. I noticed unknown activities being done on my card. I called XXXX XXXX and told them this. I also told them to freeze my card and I destroyed mines after knowing that thieves were running in and out of my new home. I was paying monthly but it just got out of hand. The next thing I know this collections agency has been blowing me up about payments or pay the full amount on this credit card. So Im suppose to pay for this card and thieves abused the card. This collections service is eating my was good credit up. This card has been used through Identity Theft and several other cards as well. I received an email from XXXX XXXX XXXX from XXXX XXXX. It showed me this information like Im on the black wed site my SSN and Driving License has been hacked. I have a collections agency calling me pretending to be XXXX XXXX, there telling me I have a bill for {$1300.00} sum for a loan. I told them its not me I havent been to XXXX last year or have any plans on going there. They call my number daily. I had a law firm look into it they told me to disregard there calls cause they dont exist. 
Im trying to get this collection agency resolved with knowing Ive been hacked in many ways, please assist me with the removal of this unfortunate misery.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention several discrepancies in my credit report that are in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically USC 1681. 

List of Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions outlined in the FCRA : 15 U.S.C 1681 Section 602 A : Affirms my right to privacy.

15 U.S.C 1681 Section 604 Section 2 : States that a consumer reporting agency can not furnish an account without my explicit written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section : Prohibits any consumer reporting agency from including certain adverse information in a consumer report, particularly any adverse item that antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) : Specifies that no person shall furnish inaccurate information to a consumer reporting agency.

Upon careful review, it is evident that the listed accounts [ List Accounts ] on my credit report are inaccurate and in violation of the aforementioned FCRA sections. In light of these violations, I am formally requesting the immediate removal of the mentioned accounts to bring my credit report into compliance with the FCRA. 

I understand that the FCRA mandates a timely investigation and resolution of such disputes. I kindly request that you conduct a thorough investigation into the accuracy of the listed accounts and take prompt action to remove them from my credit report. 

I appreciate your attention to this matter and anticipate your swift resolution in accordance with the FCRA. Please provide written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

Thank you for your prompt cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

I have a private student loan serviced through Navient, originally with XXXX XXXX. I have been making regular payments and have sent the company instructions on at least 2 occasions ( XXXX and XXXX of 2017 ) detailing how I want overpayments dealt with : specifically that they should be used to pay down principal. Each time receive a response telling me something slightly different on how to get my instructions applied. First I was told, in XXXX to sign up for auto payment ( which I could not do on the website ) or to submit monthly payments by check with instructions each time I make an over payment.
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In XXXX there was no mention of the auto payment option and I was again told to send payments by check with instructions every time I make an over payment.
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I have provided a clear instruction to them about what they should do with all overpayments and they refuse to honor that instruction unless I submit it by mail every single month. That is absurd.
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Navient is systematically obstructing efforts to pay down the loan even slightly ahead of schedule while I am trying to do just that by overpaying by a few dollars a month
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of JP Morgan Chase Corporate Offices, And Chase Banks. As ' of Most Recent, I am still seeing JP Morgan Chase as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. Chase Bank and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XXXX of XXXX in XXXX, XXXX. In XXXX of XXXX, while spending my Summer in XXXX XXXX, XXXX_ I ' found out that ' Chase Bank in XXXX did not. close the Safety Deposit Box after, Papers were Signed in XXXX in XXXX, XXXX. In XXXX, XXXX and XXXX, I ' had asked Chase Bank for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in XXXX a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by JP Morgan Chase, And made Additional Reports to JP Morgan Chase Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous correspondence to the XXXX XXXX and Transunion in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I  have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
Product: Debt collection

This eastern accounts system was illegally trying to collect a debt from me. This was covered under protection from new York state due to XXXX XXXXXXXX. It should never have been reported to credit reporting agencies in the first place. Now they are still reporting a delinquency on my account! After new york state paid it off! Rubbish.
Product: Checking or savings account

XX/XX/XXXX I received an email about a previous claim that still has not been handled. 

I received paperwork that needed to be filled out, so I filled it out and sent it back. Still has been no resolution on the fraud investigation from what seems like way longer than 90 days ago.