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

On XX/XX/XXXX I tried to deposit a check into my account when Chase kept giving me an Error and not accepting my check from my employer. I deposited that check into a different bank account ( XXXX XXXX  ) and the check was placed on hold. On XX/XX/XXXX I received call from the bank stating the deposit was a duplicate and I advised them of the issue that I was trying to deposit into Chase and kept getting error so I went ahead and deposited into a different bank. I advised XXXX XXXX  to return the payment since Chase accepted the check without my knowledge even after I was receiving an errror while trying to mobile deposit. XXXX XXXX  took all the necessary action and returned the money to sender. On XX/XX/XXXX Chase decided to restrict my account until I go into the branch and provide with returned check proof. I advised Chase I was working and only had XX/XX/XXXX off. Chase customer service said that is fine and they will not close out my account until then. On XX/XX/XXXX I took time off from work to go handle the issue with Chase. After waiting for XXXX hours to be seen by a banker, I was told the account was closed yesterday XX/XX/XXXX. I told the banker Chase told me I had until XX/XX/XXXX to go in. She said unfortunately the customer service will lie to people. The banker then helped me open a new account and said not to worry as she has notated about the previous issue and the bank will not give me an issue. On XX/XX/XXXX I received an email from Chase telling me to call them or my account will be restricted. After waiting on hold for over 45 minutes I spoke with Chase supervisor who was very rude and unprofessional. She stated the account was closed permanently. I let her know I had direct deposits coming in and this is not right as they should let customer know before closing so I was able to redirect my deposit but she stated it isnt mandatory we let the customer know we can close any account any time. Now, my direct deposit from my employer will be going back and forth and my rent will be Late because of Chase and the lack of professionalism. My employer will not issue a physical check until the direct deposit goes back which will take DAYS per Chase supervisor. I do not think this is right and Chase definitely should treat its customers with respect. I will also be seeking legal action against Chase since I have lost time, money and now my rent will be late and I will be assessed a late fee.
Product: Checking or savings account

With a PNC line of credit, once you borrow against the line of credit, PNC will not let you repay it for 5-7 days via their online service. However, you can call in to a bank teller to process the transfer, so it's not a term of the line of credit. The website will show the remaining credit in realtime but will not allow the transfer of funds into the line of credit for several days. The customer service rep said that their website was old and it took several days to update the balance in the transfer feature on the line of credit. This was first reported several years ago and still has not been fixed. It enables them to systematically charge 5-7 days of interest on any funds pulled from the line of credit.
Product: Debt collection

This debt from PNC Bank is not valid. I went in to the bank myself and asked to close the account. But are now saying I owe. The business and everything attached has been closed for awhile now.
Product: Consumer Loan

I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! 
See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.
Product: Money transfer, virtual currency, or money service

I was locked out of my XX/XX/XXXXaccount on XX/XX/18. I waited a while since this usually clears up on its on but it did not. I called customer service and he told me he could not help me. He said he would send an me an email in which would explain how to get in touch with the appropriate department. I never received an email. I logged into my Coinbase app on XX/XX/18 and tried to buy some BTC. It prompted me to verify my identity, which I had done months before. I followed the process and received an email stating that I had been verified. But when I tried to make a purchase it gave me the same error. I verified again and received an email confirmation. But the app still said that my Buys had been disabled. I received the same message on the website.I contacted customer service who verified that I can not make purchases, but could not tell me why. She said she would escalate it and that was all she could do. She said someone would contact me shortly. Meanwhile I have USD sitting on XX/XX/XXXX that I can not access as well as roughly ETH and BTC. I would like to access my funds immediately but can not. I have heard numerous complaints from customers stating it took months and still no response from Coinbase. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and XXXX  . On the XXXX  credit report, I again see the fraudulent World Acceptance Corporation account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both World Acceptance Corporation and XXXX  failed to adhere.

According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both XXXX  and World Acceptance Corporation have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, World Acceptance Corporation violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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: Credit reporting

XXXX used my social security number to open a XXXX accout without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to documents attached to this complaint. As it has been more than 30 days and this company has failed to verify and/or send any response. As per the fcra, Equifax is in violation.
Product: Debt collection

Hey, I'm a student at XXXX Tech. This debt was late but I paid it. I contact the company. Credit is very important to me, I'm an young male trying to build my business. Can I even do a Pay for and delete.
Product: Checking or savings account

Unfortunately and unexpectedly, CFPB covered up unfair practices by Marcus Goldman Sachs one sided and unfairly closed my complaint against Marcus Goldman Sachs at their request without waiting for my rebuttal against their untrue response. I am requesting a help of getting the monthly financial statements that can show that Marcus 's authorities lied and Marcus account was linked to XXXX account. I am requesting a reasonable accommodation to help me to obtain the monthly financial statements because Marcus keep my account restricted or closed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had late payments on my report. Under code 15 USC 1666b this is a clear violation of inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN WITH XXXX XXXX SINCE XX/XX/XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO XXXX XXXX ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE XXXX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO XXXX XXXX THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX continues to provide inaccurate information to the Credit Reporting Bureaus. The latest is that I resided at XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX. 

This is the THIRD time XXXX has reported incorrect information. I never have lived at this address. Ever. Ever. Ever. 

I have no idea why this financial institution ( XXXX XXXX  ) is allowed to continue to operate unethically. On the XXXX  site, XXXX XXXX ranks 1.04 out of 5, as continue to destroy consumer credit records with complete abandon towards the impact of the small consumer. 

This is fraudulent reporting, again, by XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received an email stating that my account was restricted with no explanation as to why or timeframe as to when it would be unrestricted. I was unable to get to work because i use XX/XX/XXXX to get there. I waited until XX/XX/XXXXand called. I was greeted with a very unhelpful representative who told me I had to wait for an email. I emailed support several times to ask if they could please help me as this money is all i have and i need to be able to get to work and buy food. I currently risk losing my job as this is the 2nd day I am not able to attend. I have also not eaten for almost 2 days. My wife is in need of hygiene products which we can not buy because of this. I received am email with escalation number # XXXX. However i was given no way of contacting the person who sent is because it came from a do not reply email address. I was again told no timeframe and nothing at all about how i can access my money. My fear now is that if I lose my job because of this i will in turn lose my home and everything i have worked for. This seems like a small amount of money but it is all i have. I am left without the ability to buy basic necessities. This is day 2 now and i find it hard to believe nobody has been able to look at this given my urgent circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft report
Product: Credit card or prepaid card

Name on Card : XXXX XXXX SS ending in XXXX Cell Number : XXXX Visa card ending in XXXX Applied for a credit card from Avant.com and received visa card in XX/XX/XXXX, at which time realized for a {$500.00} line of credit, I will be charged {$39.00} annual fee. I immediately called them on XX/XX/XXXX and cancelled the card by phone and letter and requested a refund of the annual fee. However they went ahead charged the fee for a year starting XX/XX/XXXX thru XX/XX/XXXX and took the money from my checking account. The card was never used and they are refusing to refund the annual fee. 

Please help us obtain that money. After the fund was taken from my checking account, I spoke to XXXX ( call center overseas ) on XX/XX/XXXX, and was again refused nor would he give me a supervisor to talk to. Customer service number is XXXX I have uploaded my correspondence with Avant representative,
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have a credit card with Bank of America more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Bank of America once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer.
Product: Credit reporting

EXPERIAN refuses to comply. Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have requested this information twice already? XXXX refuses to send verifiable proof and comply with the laws set forth by the FCRA. This is a deliberate violation of a Federal Law and I want these account removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX DISPUTE LETTERS SENT XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

I ALSO HAVE CERTIFIED RETURNED RECEIPTS VERIFYING THAT EXPERIAN HAS RECEIVED MY REQUEST DATED XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX.