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

I received a US Treasury check that was issued XX/XX/year>. I deposited this check via mobile deposit with my capital one checking bank account on XX/XX/year>. I initially received an email saying that my check has been received and the funds would be available in my account on XX/XX/year>. I later received an email stating the below : XXXX, After reviewing your check deposit activity on XXXX for your account ending in XXXX, the availability of {$1900.00} has been delayed until XXXX. 
Based on confidential information, one or more of the check deposits may not be paid. 
You dont need to take any action. If the funds dont return, theyll automatically become available on XXXX. 

I called capital one on XX/XX/year> for an explanation on the hold and was told that they sent a verification form to the treasury department on their back end and waiting for the treasury department to confirm if the check is valid. 

I later called the treasury department who Ive explained everything to. The representative confirmed my information and the check amount and stated that the funds were released to the bank a week ago. The representative stated that the bank shouldnt be waiting on the treasury to respond with verification, because theyve already verified the check through their system. 

On XXXX I called capital one again. I explained everything above and continued to get the same responses. I was speaking to someone named XXXX who actually offered to call the treasury help desk for verifications, but she was told that they didnt verify other peoples checks over the phone. I asked to speak to a supervisor. XXXX  transferred me to the supervisor XXXX or XXXX who was quite Unpleasant to speak with. She continued to interrupt me while I asked questions to get a better understanding. I asked if I could speak with her supervisor and she told me flat out no. I asked if she was the highest person within her department, she responded no, but didnt want to put me on the phone with someone who could better assist me with my concerns. The phone conversation ended quickly after, since we didnt get anywhere with my concerns. 

I ended up calling my loan serviced nelnet.

I called the financial department of education.

I called the US Treasury department. Each and every one of these calls verified the check that was sent, with the complete amount and yet, Capital one still has a hold on the check. 
Ive requested my check be released immediately as this is a major inconvenience for me. Ive been told that all I can do is wait it take a couple of days or it could the entire 60 days. Its whenever the treasury department responds. 

Once this is sorted out, I want nothing to do with this bank. Ive been a customer for a very long time and my account regularly received payroll deposits, it is an active account. This should not be happening, and there should be a better resolution.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX Chase re-billed my credit card for a previous dispute that I thought was settled. I had never received any correspondence from Chase regarding the original dispute nor the re-billed charge. When I saw the charge back to my credit card I questioned Chase and they advised me that they evaluated my dispute and decided that I would have to take up my dispute with the merchant. ( XXXX XXXX XXXX XXXX ). When I asked them for discovery regarding the information they used to determine their decision, I was told that I had to write a letter to the Executive Offices and that they could not supply me with the documentation I had requested. I once again reminded them that I had not received anything in writing from them whatsoever! They again told me there was nothing they can do and to write a letter and FAX it to the Executive Offices. Left with little choice, I had to do battle with the deceptive merchant once again! On XX/XX/XXXX, the merchant picked up a portion of the merchandise I was disputing and was allegedly was going to credit back my Chase credit card. That never happened. I contacted XXXX 's and they advised me that I had to contact Chase to re-dispute the charge in order to receive my credit. I once again contacted Chase and they advised me that I had to write yet another letter and FAX it! I once again complied and wrote yet another letter to Chase on XX/XX/XXXX. I provided all of the the supporting documentation from the merchant regarding the credit for some of the merchandise returned. I still have not heard from Chase and I checked my account online yesterday, XX/XX/XXXX, and I was charged a late fee and now I'm delinquent!! My supporting documentation will provide some insight to the nightmare that I have endured. This must stop! Please help!
Product: Credit reporting or other personal consumer reports

I filed several complaints against the 3 credit bureaus for violating my rights to a factual and thorough investigation into the inaccuracies listed on my credit report. My complaint was filed on XX/XX/2024 and on XX/XX/2024 I received dispute results stating the accounts were verified and updated. However, the complaint is still open with the CFPB and the company responded to the CFPB that they are still working on the issue. They have sent correspondence to me stating their investigation was completed and never sent any documentation supporting a factual investigation. I received results from the credit bureaus on XX/XX/2024 and XX/XX/2024 Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer 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
Product: Debt collection

Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiry I never apply foXXXX XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen
Product: Credit reporting

I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report.
Product: Credit reporting or other personal consumer reports

I have requested the XXXXXXXX XXXX  ACCOUNT REPORTED AS VLISED DUE TO ACCOUNT ABUSE BE REMOVED FROM CHEKSYSTEMS CONSUMER REPIRT THIS ACCOUNT WAS not INVESTIGATED PROPERLY Nor resolved TO IDENTY THEFT. I was told this would be resolved by XXXXXXXX XXXX they failed to stay in constant communication with me also did not communicate findings nor a resolution to my complaint.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Is there someone employed at XXXX XXXX that can give me AUTHORATIVE answers to questions I have pertaining to my XXXX/CitiMortgage Standard Modification Trial which was approved on XXXX/XXXX/15 by the servicer Citi? My approved rate they 've given me is 4.375 % for XXXX years with Citi also claiming no option to pay-down my {$20000.00} past due balance on top of my trial payments during the XXXX month period. I 've been getting the run-around by Citi on my right to get the standard modification published rate of XXXX ( clearly posted on XXXX ) and my right to pay down my past due balance during the trial period. These adjustments if considered and approved would each independent of the other save me a great deal of money when it comes time to calculate my final permanent modification at the end of the trial period. Local agencies such as XXXX XXXX or my local congress woman 's office have been no help because they lack authority on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX : XXXX XXXXXXXX XXXX  Open Date : XX/XX/XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : - =======Equifax : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX  Open Date : XX/XX/XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.
Product: Consumer Loan

I had a car loan that started in XXXX XXXX and should have been paid off by XXXX XXXX. I had to extend XXXX car payments, XXXX for when I bought my house, understanding there would be interest and I would have to make the XXXX payments. This extended my payoff to XXXX XXXX, which I knew since I extended XXXX payments. I paid the last payment XXXX XXXX, XXXX and received a letter stating I still owe over {$1500.00} due to interest. I asked if they could work with me and wipesome of the interest off seeing the interest added up to more then the actual car payments that were deferred. after a few attempts I received {$200.00} off. I still did not find that acceptable, so I called the corporate office. I received a call back and spoke to a woman named XXXX, XXXX ext XXXX. She was willing to wipe the interest, but I would have to agree to the following terms. 1 ) They would report to credit bureau as settled and 2 ) I would need to pay taxes on it as they would send me a XXXX type thing. I paid every car payment and finally got my credit at a place where my interest on credit cards and car loans are through the roof. I was willing to pay some money but she said if they take any off it will be under the terms from above. She also said, since I did not want to damage my credit, that I would have 120 days to pay as long as a made a payment every month. After I spoke with her a few weeks later I received a letter stating that the payments might be considered late, missed etc and reported to credit bureau. I didnt realize when I gotthis car loan that it was more like a credit car opposed to a cr loan I am assuming by the interest that accrued besides what I already paid. I was hoping you can help me resolve this issue.
Product: Credit card or prepaid card

I called Citi XXXX on XX/XX/XXXX well before my payment was due XX/XX/XXXX and spoke with two different employees. I asked for some consideration since I have been a good customer of two months of deferral of payment since I do not have the resources. I am self employed and was sick for two months in the last 4 months with both XXXX and XXXX twice. Insurance companies who owe me fee 's of XXXX have thrown me behind. they said XXXX does not do that I would have to close my account and would be charged the same amounts each month that I would owe now. 
I said I do not have this money and it can not be taken out of my account and as soon as I knew what amount I could pay I would get back to them. 
On XX/XX/XXXX they automatically withdrew XXXX two months of fees from my account leaving me without a paycheck to pay my mortgage for the first time in two months and to pay my lease for my office and food for myself? 
I can not make this up and it is now plummetting me further into a crises.
Product: Credit card or prepaid card

I opened an account with XXXX in XX/XX/XXXX through Ashley Home Furniture. I spent roughly {$2500.00} on furniture and was told that if I paid it off within 1 year, there would be no interest. I paid off my {$2500.00} purchase prior to reaching 1 year which was difficult as a XXXX veteran on a fixed budget, but I did it. The day after the year timeframe was passed, I found that I still had {$300.00} on my account, though I made no further purchases and paid the full amount of my purchase. I not only can not pay that, I will not pay that because I did not make any further purchases and I paid my entire XXXX dollar credit card off prior to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 More than 30 days ago, I sent the attached letter disputing several items in my credit report. Because they did not advise me of the results of my investigation within 30 days, the Fair Credit Reporting Act requires that they delete these items from my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts keep showing on my credit report after i have informed these people that the information in erroneous, inaccurate, and unfair practices. furthermore at this point it has been a breach of privacy and has done severe harm to my credit worthiness. 1.This account XXXX is showing over 15 inaccuracies across these companies and according to the FCRA all accounts must be 100 % accurate or it must be deleted. this account is showing Open with some companies and closed on another, also this account on one of these companies has it marked as paid from XX/XX/XXXX- XX/XX/XXXX on another it has charge-off from XX/XX/XXXX- XX/XX/XXXX, and the last company shows no data at all. The last active dates are all different one being XXXX XXXX XXXX. Due to these inaccuracies and extortionate ways it has violated my rights as a consumer. Also 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report. it is a defamation of my Character.
Product: Debt collection

About three months ago I opened a Email saying that there was a problem with my account with XXXX and that I need to sign on my account to verify my balance and other things, my BIG error was that I clicked on a link on that same email and tried to log on my acc. obviously they collected that info and on that moment a message appeared saying that I could not sign on a show me some challenge questions, still I could not sign in because it was not a real website, OMG, that was how they got a hold on my info and identity, I do n't know at what extent o how much info they could get. now, today XXXX/XXXX/2015 I got a account statemen from RGS Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX. XXXX XXXX XXXX, stating that I owe XXXX, RE : XXXX XXXX {$150.00} Dls. demanding its payment, and I am scared because I feel that this is only the beginning, XXXX knows what else they will be trying, so here I am on my knees praying to XXXX and you guys to help me as much as you can. thank you for your assistance. 
P.S. I was always on time with my payments to XXXX XXXX XXXX and never received any notice of delincuency on my payments. thanks.
Product: Checking or savings account

I went to a Chase ATM at around XXXX, i deposited XXXX into my savings account and its been more than an hour and it has not cleared in my account. I have tried calling the bank and customer service isnt available. Dont know what else to do, that was all my money and now I cant access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor.The following inquiries were not authorized for any permissible business purpose : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXXXXXX XXXX XXXX XXXX  ever since XXXXXXXX XXXX XXXX XXXXXXXX reporting the {$87000.00} mortgage loan to Experian in XXXX XXXX XXXX and everything was ok and it continued to report until XX/XX/year>. As of XX/XX/year> my XXXXXXXX XXXX XXXX XXXX XXXX  is no longer reporting to experain credit reports. This has caused me major issues with my current escrow I am in and I need XXXX to report that mortgage loan back to my Experian credit report especially since it is an open and current account. I have also attached both XX/XX/XXXX credit report from Experian showing the mortgage loan and the Experian XX/XX/XXXX report that no longer is reporting