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

I sold my car to XXXX in XXXX. They gave me a draft of XXXX. I deposited the check on Saturday XX/XX/year>. When I logged into my account this morning my deposited amount was showing that it would not be available until XX/XX/XXXX. This now has caused my account to be overdrawn. 

I do not understand WHY the funds are put on hold that long when the check is a draft. That is guaranteed funds! The amount of time they are holding my funds is unacceptable. It takes a regular check 24 hours to clear. Why would they hold guaranteed funds so long?
Product: Mortgage

Again today We had to send an document that had been previously sent many times. This is causing financial hardship on my mother. She is XXXX and has been trying for three months to get a modification with SP Servicing XXXX Loan number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian.com where I am able to view all 3 scores and credit reports every 30 days. In XXXX I attempeted to view my updated scores and was unable to do so. I got an error message that says " Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX and XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' I have been calling Experian and informed them of this issue since XXXX. I was told to call the other bureaus, because the issue is within their system. I've called XXXX and XXXX to make sure the information they have in thier system matches what Experian has, and they did not find any discrepancies. 
I have called Experian more than a dozen times about this issue and still no one has been able to solve this problem. But they contiue to ask for my payment to view all 3 scores.

It seems as though they do not kow how to fix this technical issue. I was told that they would open a ticket and send the issue to a department that would fix the issue ; internally, and someone would contact me in 24 hours. Its been 2 months since that conversation.

I just got off the line with a supervisor that informed me she would open a ticket and submit the error to the technical department and someone will contact me in 24 hours and I should have no issue accessing the other two credit reports. This is the exact same " script '' that was read to me in XXXX, and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a 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. 
also the credit bureaus took more than 30 days to investigate
Product: Student loan

I went to XXXX XXXX XXXX XXXX with the promise of helping with job placement and have n't heard anything and I graduated 6 years ago. They 've never called for my certification testing or anything. Now my loan is in default because I have no way to pay for it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the 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 on 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 incovenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My card says its invalid when I typed in the card numbers. This card is for my unemployment benefits from the covid19 virus. I need a new card I think. The card may have been compromised as I received an alert through my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX and XXXX Continue to List a XXXX XXXX  Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put XXXX in XXXX of XXXX when the " First Delinquency '' as per XXXXXXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXXXXXX XXXX  XXXX ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and interviewed for a position with XXXX XXXX. On XX/XX/2022 I was contacted by XXXX and told that they were prepared to move forward with an offer however background check information supplied by Sterling prevented them from doing so. After reaching out to Sterling I was told they misspelled my name and there was an item on the report which was not mine. I submitted a dispute for the name and the erroneous negative item on my credit report. This investigation has drawn on and cost me an opportunity at the position with XXXX XXXX. I have attached the email where the associate with Sterling admitted to incorrectly listing my name as " XXXX '' instead of XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am a XXXX XXXX XXXX who has worked tirelessly over the past few years to grow my business and achieve self-sufficiency. However, I am currently facing a critical challenge that threatens my business 's survival and my financial well-being. 

For the past two years, I have been in an ongoing dispute with a company I believe is posing as XXXX XXXX. This company has been adamant about not removing a charge-off from my credit report, despite my receiving a Form 1099-C for canceled debt in XX/XX/year>, which I reported as income on my tax return. While other credit reporting agencies have reflected this correctly, this particular company has refused to update or correct the record, despite multiple phone disputes and submissions of evidence. 

The refusal to amend this credit report has severely impacted my ability to access business funding, putting my livelihood and that of those I employ at risk. I believe this company 's actions may be deliberate and malicious, effectively stifling my efforts to grow my business and continue contributing to my community. This misreporting has placed undue stress on my finances, nearly forcing me to close my business. 

I am respectfully requesting your intervention and assistance to ensure this company corrects my credit report and ceases any wrongful reporting practices. Additionally, I am exploring options for compensation due to the hardship and harm this situation has caused. 

Your attention to this matter is greatly appreciated. I can not continue to bear this unjust burden alone. I need help to breathe and move forward. 

Thank you for your time and assistance.
Product: Payday loan, title loan, or personal loan

I moved in XXXX of XXXX to Florida. In XXXX of XXXX, I closed my checking account with Citizens Bank. I then received a note date XXXX XXXX, XXXX, that said I owed an additional amount of {$300.00}. I asked why and they told me that they processed bills to my account. I asked for a statement of those payments, and was denied. I was then told I owed additional money on top of that statement and that I now owed them {$330.00}. Which I then paid to close the account. I then received a call and was told that I owed them {$1100.00} in XXXX of XXXX. Which I sent a check to the address that they gave me. I was called twice after that and told I still owed that amount. Next I received a mail from them stating that I owe {$80.00} for late payments. I complained and they stated they would waive the fees since I had paid the earlier amounts. However, they have called my home 3 times since then and today I heard from my elderly father that they called him about it. This is unbelieveable.
Product: Credit card or prepaid card

Every single credit card company has either reduced or forgiven interest during this pandemic. NOT Barclays ( XXXX XXXX XXXX ). Even though the fed rate has dropped to 0 %, they are still charging us 20.99 %. We have never paid late and we have excellent credit. I CERTAINLY hope ( and will also go the banking commission ) that they are not going to get any bail out during this crisis. We have transferred our balance to another card but I wanted this to go on record because there are many people out there who do not have this option.
Product: Debt collection

In checking my credit report, portfolio recovery had me dinged for {$280.00} due to a " XXXX '' account. I asked when this account was open, what the credit limit originally stated, and for an itemized list of charges. After being transferred to four different representatives and " managers '' I lost my patience and stated, " i will just go ahead and pay it in full if you remove from my credit report ''. Said representative agreed and we continued with payment. I paid the account in full - as soon as I received confirmation that the payment went through I checked my credit report and the balance still shows {$280.00} on transunion but {$0.00} on XXXX and XXXX. I then disputed the collections with each bureau and portfolio recovery DENIED removing the account stating that the information is " correct ''. Looking back at it, i should n't have given them a penny. Why? Because they could n't even verify the original debt and had NEVER sent me any mail/email regarding the account. This company records all of their calls so they should follow their word! Espeically considering they received {$280.00} from someone whom they could n't even verify. VERY DISAPPOINTED!
Product: Credit reporting or other personal consumer reports

4 hard inquires on my credit report not requested by me. CBNA on XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> These requests were not by me and I need to have them removed There were duplicates on the report that appear to have been removed, but the originals are still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower. This is enabling identity fraud and extortion at its finest. Why would you just allow any collection company adding to my credit report without my permission? I NEVER gave permission nor was advised on ANY of these accounts reporting. Pursuing legal assistance due to distress with investigating and the whole situation in general. Multiple violations. Im seeking compensation.FTC and other reports filed.
Product: Credit reporting or other personal consumer reports

this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account Reporting discrepancies within each bureau which means it reporting falsely on my credit report.
Product: Checking or savings account

I had fraud done to my bank account about a year ago. It resulted in them closing my account due to the fraud. I filed a fraud complaint and they would transfer me person to person and never reserved any of the issues. To this day my account is still closed and because of that I can not open an accclunt at other branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but Equifax and XXXX  are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. Equifax and XXXX  are not reporting accurate information.
Product: Checking or savings account

I have no access to my direct deposit and I have no other away to pay my bills and Im been charged late fees and I cant pay my bills or by any food to eat, this is ridiculous and I demand my money and to be compensate and I want a investigation on this matter
Product: Credit card or prepaid card

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN XXXX  THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXXXXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO XXXX XXXX XXXX XXXX XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., 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

Experian deducted XXXX points of my fico score cause my utility bill went up {$2.00}?. Its a shame Experian have so much illegal XXXX XXXX  to abuse fico scores.
Product: Credit reporting or other personal consumer reports

GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Product: Money transfer, virtual currency, or money service

I ordered a Cashier 's check over phone with USAA on Wednesday morning XX/XX/XXXX for {$15000.00} for a new car purchase. I had additionally paid the extra fee for 1-2 day expedited shipping The money was debited from my account that same morning Wed XX/XX/XXXX and I received an inbox notification of the Cashiers ' check transaction on XX/XX/XXXX. The inbox notification states " to request a tracking number or to obtain a copy of the authorization, please allow one business day, then log on to usaa.com, our mobile app or call us at XXXX. '' By Friday XX/XX/XXXX, I had not received any notice of a tracking number on the mobile app or USAA.com. I contacted USAA by phone Friday morning XX/XX/XXXX to request a tracking number for the check. I was told they have no tracking number and they did not have any record of the check, but they did not see any errors and that everything was fine and they will put a note on my account that I called. 

I contacted USAA by phone Friday evening XX/XX/XXXX. After almost an hour on the phone, I was provided the same information, there is no recored of a check, and they can not provide a tracking number, but I should get one by Saturday XX/XX/XXXX. 

Saturday XX/XX/XXXX, I have not received a tracking number. I call the XXXX number for the third time. Again, they can not provide a tracking number, there is no record of a check, and they dont ' even have a check number. I was placed on hold multiple times before being told I was being transferred to a manager. After being on hold for another XXXX mins waiting for a manager, the call was disconnected from their end. 

- XX/XX/XXXX {$15000.00} was debited from my account for Cashier 's check that was supposed to be shipped in 1-2 days business days and a tracking number would be provided per their disclosure. 
- As of XX/XX/XXXX, USAA can not provide a tracking number, they can not provide a check #, and they can not provide any record of a check being produced. 
- Based on USAA policy, a cashiers check can not be cancelled for 90 days. 
- So based on their own policy USAA is holding {$15000.00} of my money for 90 days that they have no record of. 
- {$15000.00} is missing from my bank account, and USAA has no record of it. I've contacted USAA support 4 times in two days, been provided no assistance, no answer, no resolution, and been disconnected.