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

USAA Bank has recently started putting unnecessary holds on my deposits. My only way of making my deposits is via mobile app. My employer does not offer direct deposit. Not every deposit has a hold placed on it, but the holds are typically a week. One hold was for about XXXX of my deposit. My deposits are typically more or less around {$500.00} per week. There are no logical explanations for these holds. I'be been told one reason was because of a nsf that took place in XX/XX/XXXX. I have also been told the reason was because of average balances. And the holds are not on a specific account since the same amount of hold is placed no matter which of my XXXX deposit accounts I deposit my check to. The holds are n't placed on every deposit. I have had XXXX within the last three months. I 'm sick of this! This is my money, I earned it! I 'm tired of the XXXX excuses! If the American working force can not have better control over their hard earned money, then perhaps we need to do away with banking institutions entirely. USAA is suppose to be a bank for veterans, yet this type of activity is nothing more than harassment. I have had, supposedly since they ca n't tell me specifics about XXXX, XXXX nsf transactions in the over four years i 've been banking with them. I have had only one hold placed on my deposit prior to the last three months and that was over three years ago. I keep getting told it 's now government regulation and that they are doing it to protect me. XXXX! And apparently I am not the only customer having this issue. I have spoke with several having the same or similar problem. I filed a complaint with the FDIC, who sent me an email saying they had forwarded my complaint to you folks. That email was received XX/XX/2016. I have yet to hear from you on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING A SCORE FOR TRANSUNION AND XXXX IS REPORTING XXXX XXXX XXXX AND XXXX XXXX IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the XXXX XXXX  from the site XXXX. Please dispute the accounts. It was opened without my knowledge, authority or 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I created an ETF transfer from Credit Karma Savings to XXXX XXXX  XXXX. Recently, the wife and I had separated our Accounts from XXXX XXXX  so we had a new Savings Account Number. The account number we had on file with Credit Karma was still the old XXXX Savings account number. We did not realize this until after the transfer had taken place. I sent an email to Credit Karma explaining the error on XX/XX/2020 since they do not have a public phone number to call. I was sent a reply on XX/XX/2020 stating they were going to make contact with their " Bank of record '' to find out what will happen. I contacted XXXX XXXX  on XX/XX/2020 and they said typically with a failed ETF, it simply get 's routed back to the originating account. As of today, the funds have not appeared in my account. I attempted to email Credit Karma again on XX/XX/2020 but have not heard back from the " Bank of Record '' or heard back on my additional email. 

I found a phone number hidden in the financial documents for Credit Karma but it goes to a voicemail. Banking partner with Credit Karma is XXXX XXXX , XXXX I would provide you with my account number but according to their website " For your protection, we do not display your full savings account number nor routing numbers associated with your Credit Karma Savings account anywhere on the website or on your statements. Only the last four digits of your account number appear on your  statements. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX onXX/XX/XXXX. I wrote them on XX/XX/XXXX proving identity theft, no response. 

Equifax allowed 3 unauthorized hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXI wrote them proving identity theft on XX/XX/XXXX, no response.
Product: Mortgage

on XX/XX/XXXX I received a letter from The Loan Care, LLC that my mortgage payment was late. Having been notified the month prior by XXXX ( my mortgage company prior to LoanCare taking over ) of the change in mortgage information, payment had been made to Loan Care on XX/XX/XXXX. I contacted Loan Care on XX/XX/19, and after spending 30 minutes and multiple calls got through to someone who stated they would refer this to the department that investigates. I informed LoanCare that I had already checked with my XXXX XXXX and that they confirmed payment had been received by LoanCare. I followed this up with printed confirmation via email and by postal service. As of this date, they are still showing me one month behind on my mortgage, and I am concerned about what this will do to my credit rating. I have NEVER been late on a payment. Calling LoanCare is the ultimate in futility as you can not get anything other than a recording. I can not get anyone to return my calls, or advise the status of my account other than getting past due reminders. I am retired, and can not afford to make another payment when proof has been provided to LoanCare of previous payment made.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the submission of supporting documentation, the fraudulent entries persist, posing a severe threat to my financial well-being. 

I previously reported these fraudulent items and submitted comprehensive evidence outlining the fraudulent nature of the entries. Unfortunately, upon reviewing my updated credit report, I discovered that the fraudulent items remain, causing substantial harm to my creditworthiness and financial stability. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

Given the urgency of this matter, I implore you to conduct an immediate and thorough investigation, carefully review the provided evidence, and expedite the removal of the fraudulent items from my credit report. The continued presence of these inaccuracies is causing significant distress and hindering my ability to access credit and financial opportunities. 

If additional information is required to facilitate a prompt resolution. I expect a rapid and equitable resolution to this issue, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud and their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. Experian, XXXX, and XXXX are reporting late payments for account XXXX XXXX XXXX XXXX XXXX XXXXXXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.
Product: Checking or savings account

I have a Citi Bank Accelerate Savings account for more than 2 years now. This account was opened with Citi Bank over 2 years ago. The W9 form for my Citi Savings account was submitted to Citi Bank when I first opened this account 2 years ago. My W9 form has clearly indicated that I am NOT subject to tax withholding. In the past 2 years, my Citi Savings account has never been deducted with any tax withholding. However, this month in my XXXX statement, I found that Citi Bank deducted {$29.00} tax withholding from my XXXX interest of my Citi Savings account. It is totally wrong and Citi Bank error. 

Actually I even called Citi Bank yesterday and inquired about my newly opened Citi Priority Checking account. I was told by Citi Bank representative that I already have my W9 form on file and this W9 form is good for both my Savings account and my newly opened Checking account.

However, today when I checked my Citi online account, I found that Citi deducted tax withholding from my Savings interest for the first time over the past 2 years. Then I called Citi Bank again, but this time Citi representative told me the total opposite that no W9 form is on file in my Citi account now. It doesn't make any sense at all, and apparently Citi Bank somehow made an error or mistake by getting my W9 form lost on file.

I request Citi Bank to immediately resume my pre-existing W9 form ( NOT subject to any tax withholding ) and also refund the {$29.00} tax withholding back to my Citi Savings account immediately.
Product: Debt collection

I was reviewing my credit report and saw this account that was NOT familiar to me and I contacted the listing agency portfolio recovery to inquire about this account. 
They could not verify my information to match what they have hence they were unable to establish that I was the correct person. 
However the account I disputed they in response said it belongs to me. 
I have never received any notification from this agency to dispute this fraudulent account that has been opened. 
This is hurting my credit and is against the law to place this account on my credit profile without giving me the right to dispute this account. 
They need to show what legal proof they have to ensure this account belongs to me since when I called they dont even have my correct date of birth associated with this account that they are reporting on my credit file. 
This violates my FCRA ( A creditor failing to notify you when it supplies negative credit information that has not been verified ) please understand what verified means exactly not just a form that this company has mailed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is inaccurately reporting my old Capital One account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
Product: Mortgage

In approximately XXXX, 2015 I was sent a letter by Specialized Loan Servicing asking for payment on a zombie debt/mortgage. The last communication I had with the original mortgage company was more than 8 years ago in which I sent them a qualified written request and they sent me nothing to verify the debt -- the statue of limitations for ALL debt in CA is 4 years. I was sent a XXXX by Specialized Loan Servicing and I spoke with XXXX XXXX XXXX who said that the lien would still stay on my property and that I would have to pay it off ; however they were not servicing the debt and have written if off with a XXXX. Although I explained the IRS says that the original collector had 36 months to send me a XXXX, Specialized Loan Servicine should not have sent me XXXX as the debt is 8 plus years old. I asked for information on the previous loan and he refused to provide it over the phone and he would not correct the XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 XXXX was taken out of my account after I had filled the payment amount I owed to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to retrieve my Experian report for the last XXXX years. Experian stated that there is no freeze or fraud alert on my consumer report but I am still unable to access my credit reporting via the Experian website, and other repositories. This is hindering my livelihood. I am currently looking to purchase a car and the dealers are reporting that I have no file. Something is going on with my file and it is Experian 's duty to insure this is available so I may have credit extended to me as a consumer. This has inconvenienced me for many years with creditors relying on Experian 's data to extend credit and they have failed to do so. I have had multiple adverse action decisions due to Experian 's negligence. 

I am looking for Experian to do the right thing and compensate me for the damages. I am requesting {$25000.00} which is way below the adverse action losses I have accumulated since 2020, as well as my consumer report restored to accessibility. 

Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion regarding their repeated failure to correct an inaccurate XXXX XXXX Bankruptcy that has been wrongly reported on my credit file. Despite XXXX separate disputes, including court documentation from the Ohio XXXX XXXX Bankruptcy Court proving this bankruptcy is not active and it was stopped. TransUnion continues to ignore my requests and provide misleading responses. 

Key Issues with TransUnions Handling of My Dispute : 1. Repeated Failure to Investigate Properly I have disputed this inaccurate XXXX XXXX Bankruptcy XXXX times and provided official court records, yet TransUnion refuses to correct the error. 
Instead of conducting a thorough reinvestigation, they have simply continued to verify the incorrect information without any substantive review. 
2. Lack of Proper Documentation in Their Responses I specifically requested proper documentation proving the legitimacy of their reporting of this bankruptcy. 
TransUnion responded by sending blank and corrupted files via email, which is completely unacceptable and raises concerns about their transparency and compliance. 
3. Misleading & Inconsistent Customer Service Responses Today I spent hours on the phone speaking with XXXX different representatives in an attempt to get a resolution. 
The final representative abruptly stated that my account was under maintenancewhich conveniently prevented any action from being taken on my dispute. 
This appears to be a deliberate delay tactic and further proof of their refusal to comply with my request. 
4. Failure to Comply with the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i ( a ), TransUnion is required to properly investigate disputes within 30 days, yet they continue to fail in this responsibility. 
Their actions constitute willful noncompliance and negligence in handling my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And They Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was sending money through Zelle as a down payment for a service unfortunately I did not get a notice that money was sent, then I texted the service and they said the number was not updated so I had to send the deposit again and with out getting my previous money back with out a warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for a XXXX XXXX Credit Card with Capital One, and was offered the following : " Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening ''. ( Refer to Offer screenshot ) Once I received the card, I started making purchases with it to comply with the spend of {$500.00} by the offer in order to obtain the {$200.00} cash Bonus. 

I spent more than {$500.00} within the first month of use ( XX/XX/2021 ) - ( Refer to Statement ), and verified in the Mobile application when I accessed into my XXXX XXXX account, that the Bonus was being tracked, and once the {$500.00} were spent it showed " Your bonus is ready! '' ( Refer to Screenshot ) I thought the bonus will be reflected in the following billing period, so I waited but in XXXX the bonus didn't appear. 

After contacting Capital One on XX/XX/XXXX, I was told that the offer was not showing in my account, and the issue was scalated to a supervisor. 
On XX/XX/XXXX, I received a call from the supervisor, who informed that the offer was not included in the account, that they can't see why the offer was not approved, and that there is nothing they can't do to apply it. Even after asking multiple times, no explanation was given on why the bonus was not added to my account. 

Considering I opened the account, complied with the terms of the offer, and the account shows the Bonus is Ready, I don't understand why the {$200.00} bonus can't be applied. 

I am looking for the bonus to be applied considering I complied with the terms within the required period.
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX management they said they no longer report inaccurate information and i have no liability with them. Yet XXXX TransUnion and XXXX have all exhausted the XXXX of investigation but have not deleted the inaccurate unverified accounts XXXX management- inaccurate information XXXX XXXX  which is close to it's XXXX of 7 years despite inaccurate information XXXX  XXXX account XXXX because of discrepancies and unverified accounts but it still remains