23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I deposit my pay check automatically. I monitor my account daily. Here 's the issue : when I make a transaction. It appears on my statement as pending. and my balance indicates the deduction amount. Say I have {$1000.00}, pay {$100.00} my balance shows as {$900.00} and so on. 
so I only spend what I have available. I do n't spend more than what I have. What Chase is saying is that the merchant when a trans action is pending the amount is put in reserve. 
if the merchant does not process the transaction within 5 days. The reserve is place back into my available balance. However my available balance does not indicate the reserve added back. so I had {$1000.00}, spent {$100.00}, have {$900.00} available, spend the available {$900.00}. on other bills, and then the original transaction of {$100.00} is posted, They are saying that I am overdrawn and are charge me a fee of {$35.00} so I 'm asking what happened the {$100.00} deducted from my original {$1000.00} balance. So my balance go down with every transaction but never goes back up when the pending transaction is reinstated back into my account. They say they do n't indicate that on my statement. How can I keep track of my money when not all the transactions are not indicated in my account statement. They are pulling some XXXX here and need a forensic examination of how Chase list the transaction on a costumer statement. Please advise on my next step. I 've had enough and I 'm getting the run around from Chase with no clear answers as what happened to the deducted amount from my balance. 
also transactions disappear from my statement, Case in point. I spent {$100.00} on XX/XX/XXXX. My statement indicates the transaction the same day and my available balance is reduced by {$100.00}. 
the merchant post the transaction on the 20 5 day from the original transaction. By this time I I have depleted the remaining balance. so now I 'm overdrawn. What happened to the {$100.00} and the original transaction on XX/XX/XXXX is nowhere to be found on my statement I have a receipt from the merchant dated XX/XX/XXXX. Some is going on here and they been pulling this for quite sometime. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

l called inquiring about the account in XXXX and the representative told me that XXXX is the original creditor. I stated I had no knowledge of the account, can you send proof of validation? the representative confirmed that they could. I filed a police report.
Product: Checking or savings account

U.S. Bank is holding a settlement deposit of XXXX for 10-days from my personal account. They won't tell me why but, it has caused extreme hardship. 
The deposit shows complete but, the funds only show XXXX. I have tried to get them to tell me why and release the funds. They said even though it's shows " complete '' they will continue to hold my money. 

A Manager said he'd call back and never did. 
The branch is not open for calls. I have an additional businesses account and have been a customer for a very long time. Why are they keeping me from my money? 
It says " completed '' but they are withholding it from my balance. 

I would like this investigated. 
It is clear this a deceptive practice. 

Attached is proof it is not pending anymore. 
Also attached, proof it is complete.
Product: Money transfer, virtual currency, or money service

Someone hacked into my Chase Bank account and made 2 fraudulent payments of {$410.00} each ( {$820.00} ) total via XXXX to parties unknown to me.
Product: Checking or savings account

Citizens Bank was advertising a promotion - open an account and deposit XXXX between XX/XX/XXXX and XX/XX/XXXX, with a bonus of {$500.00}. I opened a savings account with Citizens Bank on XX/XX/XXXX and deposited {$10000.00} the same day. I kept the amount required for 6 months, but no bonus was paid out. 

In XX/XX/XXXX I contacted Citizens about the issue. I received the response " We have completed our research and have determined the requirement deposit of {$10000.00} did not post to the account within the time specified within the promotion.Due to the requirements not being met, regrettably the account does not qualify for the marketing bonus payout. '' I opened the account and deposited the amount within the specified timeframe, while the promotion was still being advertised. This has caused me to miss out on other opportunities, such as keeping this amount in an account with a 4.5 % savings rate. I believe it is deceptive and unfair to continue to advertise the promotion if they are unable to fulfill its terms.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a complaint against TransUnion. As of three days ago XX/XX/year> my credit score dropped XXXX points for absolutely no reason. It says that the only thing that changed was that j paid an account off. So thsg should raise it. Ever since I filed the initial complaint against TransUnion they have dropped my credit score week to week to almost XXXX points. There has been no reason for this. This is being done out of retaliation. When I called the agent said that there have been several investigations regarding my account but it does not change anything and the score is changed by a computerized system whether its wrong or right they do not have the ability to change anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their XXXX my daughter XXXX number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXX law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXXBy law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXXXXXX XXXX XXXX XXXXXXXX - {$6700.00} XXXX XXXX XXXX XXXXXXXX - {$8000.00} XXXX XXXX XXXX XXXX - {$3900.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

My card was stolen in XXXX and i promptly reported this to XXXX XXXX XXXX  via phone. I reported unauthorized charges and provided the police report. I was told I would receive a new card in the mail which they never sent me, allowing me to believe my card remained in good standing. Ive paid my bill on time each and every month not missing a single payment. Ive been attempting to use my card for several days to pay my electric bill and transferred money to my credit card account to do so. However, my virtual card stopped working and I was unable to use this card and finally today learned it was because my account was closed. I was told this was due to overages but again, Ive paid my bill on time each month, and in excess of my bill. I contacted this card about their billing practice of charging me for overages despite me depositing funds then double checking my funds availability via the XXXX XXXX XXXX  app prior to making charges and could not get an applicable answer. My issue is that a new card was requested months ago and XXXXXXXX XXXX XXXX used unfair and misleading practices to close my card by waiting until I made a higher than normal deposit, cutting all access to funds off, then sending me a letter closing my account days after they had already stopped me from accessing available funds on my account by prohibiting me from using my virtual card. This also tracks with the manipulated deposit times that XXXX used in order to charge for overages despite the transferred funds being available in my account according to their own app. 
I told them I was just getting back on my feet from XXXX and they are fully aware I was XXXX and my purse stolen just weeks before XXXX, I also told them the funds I deposited were for my electric bill which is tied to my rent and I will receive an eviction if this is not paid. I had no reason to request XXXX relief for this account as I had never been late paying this card. My account was never inactive, and I have paid the interest charges in a timely manner despite no clear communication about when these charges have popped up in addition to my regular bill. XXXX XXXX XXXX  is kicking Americans while we are down on the heros of a pandemic shortly after the holidays. I was just getting back on my feet and had begun paying off the cards I was unable to keep up with. I dont understand how companies like this got a bail out from the government only to thrive and add billions to their already fat pockets while simultaneously exploiting ways to ensure every day Americans are held down in the dirt by their shady business practices and loopholes in Credit Card laws and regulations? 
Im also disappointed to see race is not included in the demographic questionnaire portion of this form given the disparate impact card issuer practices have on historically marginalized communities. Please also note I was unable to upload more than one document and would like to forward additional documents including screen shots, police reports, messages, and recorded voice communications to accompany my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through Navient the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of Navient increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to Navient and XXXX to see what I needed to do. After hours of phone calls with Navient were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXXprompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however XXXX  has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until Navient sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. XXXX advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX  TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA. 

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-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. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXXincomplete Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures 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.
Product: Money transfers

I collect XXXX and buy, sell and trade for such things on XXXX. I saw an ad that was posted for some XXXX. I asked the seller if we could make a deal. We talked on the phone and worked out a deal on I wanted to do XXXX but he couldnt so we decided to do western union. The deal we worked out was XXXX for XXXX pieces of XXXX stuff, a XXXX and XXXX. It was the XXXX time i ever sent a money transfer so i went thru western union. Western union said it couldnt process the transaction but didnt tell me why. So he seller told me try using his brother and he can have his brother pick it up. On XXXX XXXX that transaction worked fine and he told me over the phone he would ship it out XXXX thing in the morning. I tried contacting the seller after a week, no answer and again after XXXX weeks when the items never came and no answer. This is when i know i got scammed. I never would have thought it was a scam because we talked so much on the phone and he knew alot about XXXX and overall just seemed very sincere in personality. So with the western union costs im out XXXX bucks and i dont want this man to do the same to other people.
Product: Student loan

My loan repayment, on XXXX, was recalculated by Pennsylvania Higher Education Assistance Agency for the year and they did not include my wife 's loan in their calculation causing a much higher amount to be deducted than necessary. My student loan payment for my loan jumped from {$260.00} to {$670.00}. The amount they debited however in XX/XX/XXXX was {$810.00}. My wife 's loan increased from {$190.00} to {$420.00}. This increase was due to a failure on my part to confirm her updated yearly certification. I received one email and no reminders from Dept. of Ed. to finish the process. This difference of {$800.00} is significant. I 'm working XXXX jobs to try and keep my head above water. My salary as a federal attorney has lost ground when compared to health insurance premium increases and property tax increases in XXXX County, MD. I work part time on the weekends at XXXX XXXX, but that additional income only increases the amount I 'm expected to pay on my student loan, creating a vicious feedback cycle. I 've recently taken a XXXX job as a part time tribal judge. With a XXXX child XXXX, XXXX XXXX not counting my work hours at XXXX towards XXXX status, this expected but wrongly calculated increase has severely cramped our budget for the month. 

I also have a hard time understanding their PLSF calculation. I was hired at XXXX on XXXX XXXX, XXXX. I worked for XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. Their calculation says I have 95 payments to go. I have been making loan payments, when not in school, since I worked for the XXXX. I will have 13 years of federal service in XX/XX/XXXX. At what point does the ten year forgiveness kick in?