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

I deposited a large check in person with BANK OF AMERICA. They placed a 7-business day hold on the check and did not make any funds available the next day. This means the funds will not be available for 10 days. Two days later, I deposited two smaller checks, reasoning that federal law requires that some funds be made available the next day for checks of this size. The bank again placed a 7-business day ( 10 day ) hold. Two of the three checks come from other banks located in the same city and state. I have used this bank for decades and have deposited similar size checks with no holds dozens of times. I have never deposited a bad check or bounced a check in my life. I can not function without some of these funds being released. I will be charged late fees and fear my utilities will be cut off. The bank is placing unreasonable holds and BREAKING FEDERAL LAW without reason or justification.
Product: Debt collection

ON XX/XX/XXXX, I MOVED OUT OF MY APARTMENT AT XXXX XXXX XXXX XXXX, TX. I SENT LEASING OFFICE PICTURES OF MY MOVE-OUT. I STILL INCURRED FEES FOR XX/XX/XXXX. I'M ATTACHING LEDGER AND CHECK PAYMENTS THAT THE DEBT WAS PAID AND I HAD A XXXX BALANCE. THE PREVIOUS COMPANY XXXX XXXX CLOSED DUE TO BEING SUED FOR ILLEGAL PRACTICES. THE AMOUNT WAS PAID XX/XX/XXXX. IT WAS SUBMITTED TO IQ DATA INTERNATIONAL IN XXXX OF XXXX. THE AMOUNT THAT WAS SENT IN SHOWS DOUBLE THE AMOUNT OF WHAT I ALREADY PAID, AND NOW ITS SHOWING INTEREST ADDED. IQ DATA KEEP VALIDATING THE DEBT AS VALID. I WENT TO XXXX XXXX AND TRIED TO GET THIS RECTIFIED BECAUSE THIS IS CAUSING ME NOT GET ANOTHER APARTMENT. THE OFFICE MANAGER SAID SHE COULDN'T HELP ME BECAUSE I NEED TO SPEAK TO THE PREVIOUS MANAGEMENT COMPANY, BUT THEY ARE CLOSED AND ALL NUMBERS LISTED ON INTERNET ARE DISCONNECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my report from XXXX  I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.
Product: Debt collection

As this department is fully aware I am a victim of identity theft. Several debt  collectors  have ceased their reporting of these fraudulent accounts.  Kross, Lieberman and Stone is  a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft.  XXXX   XXXX  is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions.   The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal debt.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have called the customer service representative many times, but the problem has not been resolved! please help me
Product: Checking or savings account

I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and XXXX XXXX. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me.
Product: Credit card

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Demand for Method of Verification and Compliance with FCRA & FACTA Identity Theft To Whom It May Concern, I am writing to formally demand that Discover Bank provide the method of verification used to verify the accuracy of the disputed account { XXXX } that has been fraudulently attributed to me. This account is the result of identity theft, and I have previously submitted a police report and an FTC Identity Theft Report to support my claim. Despite this, the account continues to be reported inaccurately, and the credit bureaus are verifying it as accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 6 ), Discover Bank is legally required to conduct a reasonable investigation and must not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681c-2, once a police report and identity theft report have been provided, the furnisher must block and permanently delete the fraudulent information from reporting.

I am demanding the following : 1. Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 2 ), provide all documentation used to verify the disputed account, including but not limited to : The date, time, and method of communication with the credit bureaus.

The name of the individual ( s ) contacted.

The specific evidence used to verify the accounts legitimacy.

2. Immediate Deletion : In compliance with 15 U.S.C. 1681c-2, permanently block and remove the fraudulent account from all reporting.

3. Cease All Collection & Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), you must cease furnishing any further inaccurate information to the credit bureaus.

Failure to comply with these legal obligations will leave me with no choice but to pursue legal action against Discover Bank for violations of the FCRA ( 15 U.S.C. 1681n & 1681o ), including statutory damages, attorneys fees, and punitive damages. 

This is my final notice before legal action. Please respond within 15 days from the date of this letter with the requested method of verification and confirmation of deletion. If you fail to comply, I will exercise my rights under federal law, including filing a lawsuit and reporting this matter to the Attorney Generals office. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

To be noted the issue has nothing to do with understanding lending practices therefore the reason the name of the university was not provided. 

XX/XX/XXXX I wrote to XXXX disputing the ACS account in my credit file. 

ACS did not respond within 30 days XXXX this was confirmed with XXXX on XX/XX/XXXX ) and their trade line was removed from my credit file. 

On XX/XX/XXXX I received a copy of my credit report without it being requested. I was received because 1. after 8 months ACS responded to the XXXX dispute and 2. as a result of my disputing the account via XXXX. 

To be noted : 1. ACS reported to XXXX the item was updated from our processing of your dispute in XX/XX/XXXX. I did not make a dispute with XXXX about ACS in XXXX XX/XX/XXXX, it was made inXX/XX/XXXX ( 8 months prior ). ; 2. ACS responded to the XX/XX/XXXX dispute 8 months later ( this was confirmed with XXXX at XXXX on XX/XX/XXXX ; 3. Prior to XXXX XXXX, ACS did not report to XXXX ; 4. There is no need for ACS to continue reporting, in XXXX I transferred the account to XXXX of which ACS continued to report after the account was transferred. 

I 've attached the XXXX XXXX XXXX, XXXX results summary supporting the trade line was deleted. I have my credit reports for XXXX and XXXX which also show the same and if needed I will scan them and provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/ I HAVE NOTICED FRAUD ACCOUNTS AND INQUIRIES THIS IS ONE OF THE FRAUD ACCOUNTS THAT MUST BE REMOVED NOW! 

account name : XXXX self-reporting account # : XXXX account type : Installment last reported XXXX last payment XXXX  last date active : XXXX incomplete account # is grouns for removal of this account " fair cares act ''
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Payday loan, title loan, or personal loan

Today XX/XX/2019, XXXX XXXX XXXX ( XXXX XXXX XXXX ) left me a voicemail that I qualified for a {$8000.00} loan with 10 % APR, for 36 months with a $ XXXX monthly payment. That wasnt bad. I called back and the representative asked for my social security number in order to confirm my application which I did give him. He asked for my bank routing number since it was going to be a direct deposit loan. I actually did give him that. Then, he said that he would need my bank account login information ( username and password ) in order to get into my account. I was polite in refusing to yield to his request. He became rude and the tone of his voice increased, threatening that he wont give me the loan and I shouldnt call him back. Well, maam, {$8000.00} is a lot of money and I cant deposit it into your account without logging into your bank account, he said. I told him again politely that my login information should be my private thing. He told me not to call him again until Im ready to give him the information he needs. Call back tomorrow when you really need the money, he said and then ended the call. I was shocked and wondered how unprofessional this company was and decided to call again in order to ask if there were other options for me to get the loan. He picked up and said maam, if youre not ready to give me the login information, dont call this number again. He did hang up again for the second time. Few minutes later, I decided to call again and the company refused to answer. I called two more times. No answer. I came to a conclusion that XXXX XXXX XXXX is either a scam or it has a horrible customer service. Im still shocked. Also, this business is not same as PROSPER MARKETPLACE INC ( XXXX XXXX XXXX ) because I called PROSPER MARKETPLACE INC and was able to confirm the differences.
Product: Debt collection

XXXX XXXX, XXXX XXXX, calling friends and family, threatening to sue me and telling them about my issue. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. 

XXXX XXXX XXXX
Product: Debt collection

Debt Midland funding {$590.00} $ XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Vehicle loan or lease

I leased a new XXXX  XXXX XXXX XXXX through Chrysler Capital in XXXX. Since the lease was coming to an end, I began looking for a new car to lease. On XX/XX/XXXX, I traded the XXXX XXXX for a new XXXX XXXX since various XXXX dealers did not have inventory. The paperwork for the new lease including transferring power of attorney for the XXXX XXXX to XXXX XXXX. Apparently there was problems at the dealership ( during auto dealer hacking issue ) which delayed paperwork and payoff to XXXX. After XXXX contacted me in XXXX I explained that I traded the car in over a month ago. They said I was considered late on my lease so I called the dealer. After a few weeks, XXXX received the payoff check. I received a letter from XXXX explaining that it was not my fault and was instructed to send it to XXXX. I forwarded the letter and asked to have my credit updated to show it was not my fault. Chrysler Capital has not responded to several calls or acknowledged receipt of the letter.
Product: Credit reporting or other personal consumer reports

MY SOCIAL AND MY ID WERE STOLEN, THERE IS INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME PLEASE HELP THESE ITEMS DO NOT BELONG TO ME INQUIRIES- XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX  - XXXX - NOT MINE NEVER HAD THIS ACCOUNT - THERES NO AGREEMENT OF ME AND COMPLECREDI THIS IS IDENTITY THEFT - FLAGSHI [ CRD - XXXX - NOT MINE NEVER MINE THERE IS ANOTHER PERSONS NAME ON THIS ACCOUNT PLEASE HELP THIS IS WRONG - REGIONALAC - XXXX - NOT MINE NEVER MINE - REMOVE THIS ALL MY INFORMATION WAS LOST - THIS IS WRONG THEFT REPORT ATTACHED
Product: Mortgage

Since XX/XX/2022 I have attempted to obtain a prequalification with Guild Mortgage in XXXX, Nevada through XXXX XXXX. I am looking to buy a property at Nevada XXXX in XXXX XXXX, NV. I have my own lenders, XXXX XXXX and XXXX XXXX  but the Builder at XXXX  XXXX requires I get pre-qualified with Guild Mortgage but can use my own lender. I talked to XXXX XXXX XXXX time only by phone. I provided the credit information needed and my COE from VA and income, etc and have repeatedly asked for a prequalification so that I can sign to hold the lot XXXX plan XXXX. She has not called back and will not say yes or no regarding the prequalification letter so I can hold the house I want. It will cost me the house. I have attempted to reach out to a branch manager at Guild Mortgage and no one will call me back. I feel discriminated against because of my XXXX service connected disabilty.
Product: Credit card or prepaid card

Wells Fargo sent me a flyer saying if I spent {$1000.00} within 3 months of account openning, WF will give me {$150.00} cash bonus which is redeemable in 2 billing cycles. I did spent more than {$2000.00} within 1 month, asking WF to post that cash bonus {$150.00} to my account. WF said NO, I have to wait until the 3 month period passed then 2 billing cycles in order to get the bonus.
Product: Debt collection

Was called many times and threatened that they were going to call my employer and take me to Court if I did resolve this matter over the phone. That went on for five months, now they have sent me a letter Saying I have XXXX days to respond.
Product: Debt collection

Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding UHEAA ( Utah High Education Assistance Authority )  Uheaa Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX UHEAA, serviced my student loan from XX/XX/XXXX until I paid the loan off early in XX/XX/XXXX. I never paid them late. 

In early XX/XX/XXXX after more than 30 days since I had paid off my student loan in full, UHEAA was still reporting to XXXX, XXXX  and XXXX  that is was an open trade line on my credit report, with a balance. I contacted UHEAA on XX/XX/XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XX/XX/XXXX to dispute the account with XXXX, XXXX  and XXXX  even providing them the copy of the letter from UHEAA ( XX/XX/XXXX )  stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the UHEAA account status changed on both my XXXX  and XXXX  credit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was 300 month revolving loan, that it was opened in XX/XX/XXXX, and most upsetting it shows there was a late payment of 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE UHEAA TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; 1. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF.

2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXX AND 90 DAYS XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH UHEAA DID NOT EVEN SERVICE THIS LOAN UNTIL XX/XX/XXXX WHEN THEN BOUGHT OUT XXXX XXXX LOANS. ( I HAVE ALSO CONFIRMED WITH ACS THAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE UHEAA TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE UHEAA FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD 2 LATE  PAYMENT THAT DID NOT HAPPEN. 

I have contacted Uhea several times via telephone. each representative has told me they system shows it paid closed, at a XXXX  balance and no late payment were ever made. 

XXXX  has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what Uheaa is reporting. 

XXXX  shows the same information as XXXX  does, however XXXX  does not. XXXX  is showing correctly with not late payment for UHEAA.