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

In XX/XX/XXXX, I noticed several transactional holds on my checking account. I called the bank and inquired why these holds had been placed on my account. I was informed that they were vendor holds and that I must contact the company. The money is eventually released after 7 days. However, this is a big inconvenience as I do not have a high balance in my checking account. Case-in-point, on XX/XX/XXXX I made a purchase on XXXX and XXXX. Effective immediately, there were three individual transactional holds in the amount of {$25.00} with a total of {$75.00}. Therefore I was left with a balance of {$30.00} in my account. Once again, I contacted EverBank and the first representative referred me back to those aforementioned vendors. I contacted XXXX and they were unable to give me and further information. I called the EverBank again and requested a call back from a supervisor. A supervisor contacted me on XX/XX/XXXX and informed me that the first representative misinformed me. On a recorded line I was told that this is a new policy implemented by the bank to reduce fraud. In the past the vendor fee to verify a checking account was estimated to be no more than {$2.00} per transaction. I requested this policy in writing, however one is not forthcoming. While the representatives from the bank offered their sincere apologies, there is nothing that can be done to stop this new policy. The transactional fees were on my account from XX/XX/XXXX to XX/XX/XXXX. I was informed that other consumers have inquired about these fees to no avail.
Product: Credit card or prepaid card

I am set up with Experian Credit Report Service. I took advantage of an offer on their website to apply for a credit card which was advertised to suit my credit score. I was trying to get a balance transfer card. I thought that since the advertised credit offers were on their website they had already been vetted for me. Therefore, I applied for the XXXX XXXX which was at the top of the list. I have a " hard hit '' on my credit report now and they denied my application. I called the toll-free number and told the agent that I felt Experian was doing the same thing XXXX XXXX was caught doing. I was told, " sorry that you feel that way, but we do put a disclosure on the sight. '' Experian is getting a kickback from each card company when a consumer takes the bait ; and all a consumer gets are hard hits on their report and a lowering of their overall credit scorXXXX. If XXXX XXXX got called out about such practices, I don't understand how Experian is sliding by.
Product: Credit reporting or other personal consumer reports

I have noticed billing errors on my credit report involving late payments that do not align with my usual record. Kindly make the necessary updates.
Product: Consumer Loan

We had a lease with Ally Bank on a XX/XX/XXXX car. Beginning XX/XX/XXXX ended XXXX. The buy out on the contract was {$19000.00}. Per the bank the car XXXX is valued at {$28000.00}. When we tried to use the equity in the car for trade in on a new car. Ally told the dealer for them to take the car for trade they would have to pay $ XXXX..Becouse of that we could not use our equity in the purchase of a new car. Causing us financial damages.
Product: Payday loan, title loan, personal loan, or advance loan

PNC Bank took {$770.00} from my account using right to offset, despite my financial hardship and the fact that this action caused my account to overdraft. This left me unable to buy food, groceries, or meet basic survival needs for the week. Additionally, the funds they withdrew included money I had intended to use for future payment arrangements with the bank itself. I had communicated with PNC about my situation, including being homeless and filing for a financial hardship program. On XX/XX/XXXX, I made a payment of {$120.00} toward the first installment loan account, which was part of the final financial hardship program that reduced my payment amount for 90 days. This payment was the final hardship payment, as I was advised that the loan was going to be sold to a debt collection agency. When I was later able to make a payment toward the second loan, I paid {$130.00} on XX/XX/XXXX toward the past due amount. Despite these efforts, PNC acted without consulting me, judged my account as XXXX months behind, and decided to withdraw the full amount. This action compromised my trust and relationship with PNC bank after decades of loyalty. Their actions also resulted in overdraft and additional financial distress, making it harder for me to recover and make future payments.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. Please remove this account from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXXXX  I deposited a Cashier 's check in the amount of {$3000.00} I was told that it would be available the following day being that it was a next day item. I then saw that a hold was place on the deposited cashier 's check until the XXXX of XXXX. I went into my local branch to speak with a manager in regards to this matter ; which he stated he could not remove the hold. I was then giving a number to the back office and fraud department to get this escalated for the hold to be removed. I was told this would take 24-48 hours to get a approval. While on the phone speaking with an associate I asked to speak with a manager or Supervisor. I was questioned to why I wanted and needed to speak with a manager and or supervisor. I then explained that I have been in banking for 4 years and I currently am a XXXXXXXX XXXX XXXX at another financial institution. I then began to explain and question the Reg CC guidelines for next day items ( cashier check ) if a hold were to be place on said item how and when it should have been released. I have been banking with Bank of America since XXXX  and due to the level and lack of customer service I was provided and the nature of which I needed said funds available is the reason I filing this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Account Information on Credit Report Equifax, this account is also in the COLLECTION. On XX/XX/year>, I obtained an Equifax credit report, which shows the account XXXX  with account # XXXX  XXXX, also on XX/XX/year>, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. 
Enclosed are copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/year>. 


Enclosed are copies of relevant documents to support my complaint, including a copy of the Equifax credit report of XX/XX/year> showing the account duplication and my identification documents. 


I am demanding a deletion of the following account : XXXX with account # XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have contacted XXXX, XXXX, and Transunion the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Product: Mortgage

FDCP act and XXXX act violations are now in the XXXX XXXX XXXX of dollars for statutory damages. Civil code violations are adding up to over {$XXXX} in statutory damages. Criminal violations can be prosecuted my ME!!! 

For the XXXX time : where the XXXX did you apply my money. Escrow is insufficient. You are on a desist order to make accurate monthly accounts. Your complete disregard for the law is astonishing. What escrow? Taxes or XXXX or both. Where did u apply the money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

I applied for an unsecured Visa credit card through Total issued by the XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. I was approved for the credit card on XX/XX/2019 and asked to pay a {$89.00} program fee. I paid the program fee, and upon completion of the fee processing my account would be opened for use. Since paying my program fee, I have called to check the status of my account and the automated message tells me " that my program fee has been paid and my account should be open within the next 60 minutes. Four weeks later I'm still getting the same automated message. I have a card that's useless and I have a program fee that is potentially lost. I am unable to get a live person on the phone or even live chat with anyone through their website. The website does have a support email contact. I've sent several emails to the support contact address and no one has responded.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XX/XX/XXXX
Product: Checking or savings account

I opened an account with MoneyLion. After using them for several months, they stated that they were closing my accounts because they don't like my spending habits. They also said that since I had " unusual spending '', that they refuse to give my money back. I had money in a checking account, a crypto account, and a small investment account. I asked them several times and they refuse to refund it. 

I also was abused by their usary loans. They will give you up to {$100.00} until your next payday for {$7.00}. They claim it is not interest, but a fee. Buf if you do the math, they are getting the equivalent of a 7 % return in 2 weeks which is off the charts. If you only need the money 1 day before payday, still {$7.00} which would extrapolate to thoousands % interest per year. I tried to find them on the XXXX XXXX XXXX website but can not even find the company or the parent company. I am just requesting that they refund the money that they froze, around {$100.00}.
Product: Debt collection

The loan that I have been sending money monthly was sold to this company XX/XX/2022 They started calling me all day all night. On XX/XX/2022 I talk to them, telling them that I was not working And he said well the amount you was sending the other company not gon na cut it with us! I was telling them that my husband was paying everything for me and I would see if he could send them more monthly and try to get a lump some together if he could get a loan. He was saying how about XXXX and I was saying Im not sure I would definitely talk to him and call you back.The he said hold on and the call was dropped.Then they started calling me again all times that night. And started again early morning.I called him back on Tuesday XX/XX/2022 to see if my husband could send a little more monthly while he applied for some loans to pay a lump sum, The guy started talking over me yelling this not how this works!!!! you just need to have your husband call me!! Good by!! Good by!!! And hung the phone up in my face .The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill XXXX ph XXXX. The company I have been sending payments to was Alpha Recovery Corp XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ph XXXX here are my receipts
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to a multi-layered scam by Mine and custodial account ( s ) Crypto.com and XXXX XXXXXXXX XXXX. Wired amount to Crypto.com was {$74000.00}. 
XXXX XXXXXXXX XXXX played a role in the transfer of {$25000.00} on XX/XX/2022. 
On XX/XX/2022, I tried to reverse, or transfer said {$74000.00} out of Mine to Crypto.com and was blocked by the fraudulent investment firm. 
I contacted XXXX XXXX to look into recovering my funds on XXXX and paid {$7000.00} for due-diligence of funds-recovery. 
On XX/XX/XXXX, my first dispute letter was sent to Crypto.com and XXXX responded wanting more info. I responded with XXXX XXXX letter and no response was taken. A follow-up letter sent XXXX with no response. On XXXX, I filed a letter with the XXXX in XXXX and Crypto.com XXXX was provided a copy of complaint. 
The XXXX at XXXX XXXXXXXX XXXX is issued a complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX on XX/XX/2022. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. TRUIST XXXX-XX/XX/2022. 2.XXXX XXXX XXXX-XX/XX/2022. 3. XXXX XXXX-XX/XX/2022. 4. XXXX XXXX XXXX-XX/XX/2022. 5. XXXX XXXX XXXX-XX/XX/2022. 6. XXXX XXXX-XX/XX/2022 ). On the same date, and I never authorize any of these company to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for more Credit to buy a new washer and dryer as dryer is dead. XXXX sent me a statement and the order was cancelled by me on XX/XX/2020. TransUnion is great at putting anything negative on your credit report, but three months behind everyone else in putting anything to increase your score. After this I will probably close my XXXX XXXX account. I filed a dispute thru TransUnion and they NEVER investigated it. They are the worse CRA out there. My Credit looks ruined ... .they dinged me great.
Product: Debt collection

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I.am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.
Product: Debt collection

I was contacted by Columbia Debt Recovery LLC on XX/XX/XXXX in attempts to collect a debt that I do not believe I owe so on XX/XX/XXXX I sent over a Debt Validation letter to hold the account until I received the proper information from the company. However on XX/XX/XXXX the company reported the collection to my credit and my credit score took a major hit even though according to the The federal Fair Debt Collection Practices Act ( FDCPA ) Section 1692g in Title 15 of the U.S. Code if a third-party debt collector contacts you and you're not sure that you actually owe the debt or think that the debt collector is mistaken about some part of it, you can ask for a validation of the debt. The debt collector must inform you of this right and you must make the request within 30 days of the first contact. 

After receiving your request, the debt collector must provide you with information about the debt, including the amount owed and to whom it was owed. Collection activities must stop until they provide this information. 

They have yet to respond but have not stoped collection activities.
Product: Debt collection

XXXX XXXX Account No. XXXX On XX/XX/2020, A company shown as Portfolio Recov Assoc was reported to my credit report per Credit Report. I have never signed an agreement with this company, and XXXX have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 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, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXXXXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Product: Debt collection

I was first contacted by the collections company sometime in XXXX. I told the representative XXXX I had no knowledge of this and will need to do more research. She stated she understood and gave information on what to do if I needed to contact her. I repeatedly contacted the company she insisted debt was from. However, no one at the company had any knowledge of this. I filed a formal dispute and asked to not be contacted until the dispute is resolved. I havent been notified of the disputes and since then I have been harassed by this collections company. They call all throughout the day and night and speak very impolite when I do answer. Im tired of this company harrassing me and would not only like for the dispute to be resolved but also for the company to not contact me.