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

On XX/XX/XXXX I made a mobile deposit of my payroll check in the amount of XXXX into my capital one checking account. Before the deposit was made it said funds available the next day. After the deposit was made is said funds available XX/XX/XXXX. Then I got an email about the hold until XX/XX/XXXX, then a second email saying it would be released XX/XX/XXXX. I called on XX/XX/XXXX about the hold and a manager said funds would be available on XX/XX/XXXX. My online acct also says XX/XX/XXXX. On XX/XX/XXXX I called because the funds are not available and am being told XX/XX/XXXX regardless of what the email or my online acct states funds will not be release until XX/XX/XXXX. The bank has given no explanation other than saying XX/XX/XXXX means at XXXX on the XXXX which is actually XX/XX/XXXX after XXXX  on the XXXX. Then I was told it was because Im in central time zone and they are eastern time zone and technically it will be XXXX my time XX/XX/XXXX when funds are released. That seems a bit insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Grain Technology in XXXX in hopes of building my credit and it has been a never ending nightmare with them. 

Initially my account went into delinquent status. The company only enables you to make a payment through a connect bank account. My bank account was disconnected and I was unable to make my on-time payments. This was the first issue that caused a snowball effect. I was never informed that my bank account was disconnected or why I could not reconnect it. When calling customer service they reroute you to contact support via email. When I send in a email with screenshots of my account and technical issues that prevents me from connecting my bank account, customer supports takes over 3-5 days to respond. 

The weeks were spent sending emails every other 4-5 days, and each time the company responds with one question with no resolution or attempts to rectify the situation. 

After weeks of fighting with customer support I receive an email to settle my account. I take this opportunity to make a one-time payment in attempts to settle my debts with this company. After not seeing the accurate amount being reported and the account closed, I continue to email support. Once again, I was caught with customer support debating a balance on my account which I had already settled ( email screenshots are located below ). Till this day they refuse to update my account accurately to reflect the payment despite the screenshots of payments and the credit bureaus reports. They have told me numerous of times that my account is being escalated and the bureau will update next month. I have been waiting over 4 months. This account is taking a major toll on my credit and I have made all necessary attempts to resolve this account. I have sent in screenshots of my payments, technical issues, credit bureaus reports and still have no resolution. The emails goes on and on and on as if the company is attempting to delay time. In their emails they also indicate apologies due to the delays in response. 

Selecting Grain Technology was the worst decision I ever made concerning a credit building or credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts with Experian on XX/XX/XXXX, requesting that they reinvestigate the accounts. They said that they verified and updated the accounts during their reinvestigation, which was concluded onXX/XX/XXXX Report # XXXX, but they didnt actually verify, and they are continuing to report the accounts on my credit report, which is a violation of the FDCPA and the FCRA. They also failed to update status date which means they never conducted a reinvestigation as required by the FCRA 611. Its been over 2 years since any of these account have been investigated or reinvestigated.

1. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 2. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 3. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 4. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 5. XXXX XXXX # XXXX : No status update since XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 6. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT Failure to conduct a reinvestigation is a violation of Fair Credit Reporting Act ( FCRA ) I want the above-mentioned accounts deleted immediately.
Product: Debt collection

XXXX sent a bill in my name to XXXXXXXX XXXXXXXX for an account that was not mine in early XXXX. I disputed the bill with XXXXXXXX XXXX  telling them it was not mine and that I never had a XXXX account. I thought it had been cleared up. It has shown up on my credit report again. XXXXXXXX XXXX says XXXX recalled this account on XX/XX/XXXX after I filed my dispute ( which got no response from either XXXX or XXXX ). XXXX closed and returned the account to XXXX on the same day. XXXX knowingly sent this fraudulent account to a new collections agency, Southwest Credit Systems , who opened a collection account in XX/XX/XXXX for the same fraudulent XXXX bill.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

hi, I have been trying to access my TransUnion account to check my credit report and freeze my credit since a week ago. The automatic password reset ended in an error multiple times and asked me to contact customer support. Customer support did not pick up and did not return phone call. I tried the chat function which also ended by closing my chat window multiple times. 

With data breach, I need the ability to freeze my credit and check my credit report. I can not be locked out of my account. Either let me take control of my personal data so I can stop sharing data with Trans Union. 

Why is the default allow people to check my credit anyways? The default should be credit freeze unless I unfreeze it. If you going to take action take action, take action, for real, to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month I submitted a Identity theft report to all three of the major consumer reporting agencies in regards to several, inaccurate fraud related accounts reporting on my credit file. Along with my Ftc report I included a copy of my drivers license as well as my social security card. In ADDITION with my report, I included a personal information request which included my correct name, social security number, current address, and correct phone number. As of today I received a letter from EXPERIAN # XXXX dated XXXX stating that " We are requesting additional information that I must provide in order for us to act upon your request. " If I still wish to have this information blocked, please submit a identity theft report without the deficiencies noted at the end of this letter. '' EXPERIAN is basically asking me to submit all of the information that I've already submitted and this is nothing more than automated stall tactic which coincidentally violates my rights under the FCRA. Accounts that were included with my federal trade commission report was US Dept ED # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX at XXXX # XXXX & XXXX XXXX XXXX  XXXX. Can you please have EXPERIAN explain this response. I have attached a copy of my identity report to support my claim. Thank you
Product: Debt collection

Company is purposely ignoring evidence that proves my debt is not legal. Emailed Company last year and they ignored evidence sent and still trying to collect on fraudulent debt. 

Spoke with XXXX and even sent a dispute with agent over the phone. The suggested, this is a common pattern with National Credit, and legal action should be taken, as they have already proven to ignoring the evidence and multiple communications given. They do not have my permission or consent to sell my debt, yet they have attempted. 

Original creditor, sold this debt without proper communication and sent information to the wrong address, multiple times, as did national credit systems. Nothing about this is right. These are fraudulent companies trying to collect where they can. I do not owe anything on this debt. 

Multiple structure damages not fixed according to lease agreement. Apartment owners ignoring proper repairs throughout my stay. Both original creditor and National Credit Systems have been Communicated with, yet no reply to the actual evidence given. This is not legal and is financially damaging, as it remains ignored and on my credit report.
Product: Money transfer, virtual currency, or money service

I was selling a washer and dryer on XXXX XXXX and a person messaged me saying they would like to purchase. They requested to use XXXX to send me payment. They messaged me again and said Dear customer, We have a problem crediting your {$600.00} USD because the status of your account is not a business user which makes your account have limits. This amount seems to be above your limit. 

To fully expand your account into a business account and deposit your funds now, contact ( XXXX ) immediately to send you an additional payment of {$400.00} USD into your account to expand your account limit. Soon as this is done, we will credit your account with the total sum of {$1000.00} USD An alert has been sent to ( XXXX ) in regards to the {$400.00} additional payment she has to send to you, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. I then sent them a payment via XXXX and then I received this email. 
Dear customer, This is to inform you that we have received your payment of XXXX USD which has been approved, in order to get the full total {$1000.00} USD transferred into your XXXX account, you are hereby to pay the certificate form fee of XXXX of {$500.00} USD so that we can start the processing of the funds, the certificate form fee represents the approval of your funds and also stands as insurance to your Business account, the money will be added to your pending fund and you will be credited with the total sum of {$1600.00} USD plus free $ XXXX compensation fee from XXXX. 

Below Is The Instructions : Below is the Agent XXXX details : XXXX : XXXX : * XXXX XXXX XXXX XXXX : Amount to Pay : {$500.00} USD Total Amount to be credited : {$1600.00} USD
Product: Mortgage

I received a statement saying they are now servicing my home loan. I responded that I currently have 2 forclosure cases going on at same time. One from XXXX and 1 from XXXX for same exact thing and I do not acknowledge this dept. They responded with a package of " my loan documents '' and claim I do in fact owe them the debt. I decided to go through what they sent me page by page and compare it to the documents submitted in XXXX case and XXXX case. In XXXX papers a blank undated allonge appeared that was stamped by XXXX XXXX and a transfer of mortgage signed by XXXX XXXX. Both are known, prosecuted robot signers and document makers. But the entire package from shellpoint doesn't match anything. All the documents are fakes. All forged. Signatures arent even in same orders. XXXX # XXXX. Can mail copies if needed too many to upload. If they produce them you can compare to acris and bringing all copies to judge in XXXX supreme court on XX/XX/XXXX @ XXXX XXXX  rm XXXX doc. Number XXXX
Product: Credit reporting or other personal consumer reports

I have not received my annual credit report from Innovis. I want Innovis to mail me a complete copy of my annual Innovis XXXX Report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$24000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On or about XX/XX/XXXX I opened a checking and a savings account with Axos Bank online. On XX/XX/XXXX I received an email indicating my accounts were all disabled and any remaining funds will be held in a holding account until verification documents are received. I was asked to send in a copy of my drivers license and a selfie holding my drivers license. I sent these both of those documents in on XX/XX/XXXX. After several calls and emails I received a response from Axos Bank indicating that my account was closed and I need to call XXXX XXXX about a dispute. I called XXXX XXXX and they indicated that the Axos Bank inquiry was still on my XXXX report. I wrote several more emails to Axos bank between XX/XX/XXXX and XX/XX/XXXX and I have not received any responses from Axos Bank regarding my remaining balances on my checking and savings account. Every time I call in I am told I would need to email XXXX for my request. Every time I ask for a supervisor I am told that no supervisor is available and they would only respond to me via email. I have not received an email response from Axos Bank since XX/XX/XXXX. I have provided a copy of my drivers license and a selfie holding my drivers license. Please send me my remaining balances on my checking and savings account. 

The case number I have for my request is XXXX # XXXX. 


Thank You, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX representing himself as founder XXXX XXXX XXXX, New York XXXX forced me to sign 12 month agreement to provide XXXX Chats and Social Media Management for my company XXXX XXXX XXXX number XXXX XXXX 2023. He asked me to docusign this agreement. I could not see the whole agreement since in docusign i just had the front page of the agreement. I was stupid enough to sign the document and give him my BOA XXXX that was charged XXXX dol for 12 months service. I got text message from XXXX cc if this charge was approved that. I started thinking about the one agreement page since I had no any other info on this page no phone no adress no any contact for XXXX  I contacted XXXX fraud department immediately that XXXXXXXX should not get paid that the company doesn't seem right. The credit card was blocked and XXXX sent me a new card but the XXXX dol was still paid to XXXX  by XXXX in spite of me not approving the payment. I was told that start dispute that was rejected. I sent Certified letter to XXXX XXXX as he presented himself to me as CEO of XXXX that was a lie .I was able to contact him via a phone and he started laughing that it is my loss .XXXX rejected dispute claim stating that XXXX  provided service which they did not at all.
Product: Credit card or prepaid card

I used Wells Fargo credit card to pay for dumpster service. It appeared that dumpster company it is some scam company that overcharged me for the weight of the dumpster. I filed dispute with Wells Fargo, Illinois Attorney General and XXXX about this scam. Wells Fargo denied the dispute stating ( over the phone ) that I signed a contract and that is it. I signed a contract for additional dumpster weight. First of all I requested numerous times to send me final dispute status in writing to my email, they never sent it. Secondly I tried to explain that the fact that customers signs a contract for additional weight, it does not mean that merchant can charge whatever they feel like it, without any supporting documentation. Merchant submitted " proof '' of weight of the dumpster with different name of the company, without my name on it anywhere. It can be anyone 's receipt. My credit card does not find this information important. They are just quick to take your money, but no support when there is a problem with the merchant.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account XXXX : XXXX with a reported balance of {$760.00}. 
Account XXXX : XXXX with a reported balance of {$520.00}. 
Account XXXX : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted XXXX XXXX requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or XXXX. Despite my request, XXXX XXXX has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. 

Actions Requested : XXXX. Investigate XXXX XXXX  failure to provide the requested XXXX forms for the accounts listed above. 
XXXX. Verify whether XXXX XXXX properly XXXX the debts and issued the required documentation to the IRS. 
XXXX. If XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Credit card or prepaid card

I paid off the balance of {$52.00} on my ( Mileage Plus United/www.chase.com/united ) account on XX/XX/2019. I made the payment over the phone and my paying bank is also a Chase account. A few weeks later I kept receiving bills saying that I owed more money ( the late fees were 125 % of the balance ). My bank account has sufficient funds and I make electronic payments with this account on a monthly basis. 

I called Chase XXXX ( XXXX ) and they were rude and unhelpful. They offered to accept payment again but for the higher amount of {$170.00}. I haven't made a charge on that card in years and it's unfair and predatory that they would require that I pay three times the amount that I paid off in the first transaction. It also seems strange that a major corporation would claim that a standard bank-to-bank electronic transaction was not completed, especially when both entities are Chase banks.
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is? violation of the Fair Debt Collection Practices Act FDCPA XXXX ( 15 USC 1962e ) ; therefore, if you c validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of XXXX XXXX XXXX et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.