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

1.On XX/XX/XXXX, through Discover Online Saving 's Transfer Money function, I initiated an ACH deposit of {$50000.00} from my XXXX checking account to Discover. Due to the insufficient fund in my XXXX checking account, this tranfer failed. ( From XXXX transaction : RETURNED ITEM FEE FOR AN UNPAID {$50000.00} ITEM - DETAILS : DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ). 

2. On XX/XX/XXXX, after I saw the transaction of XX/XX/XXXX transfer failed showed in Discover account, I made a {$50000.00} ACH deposit transfer from XXXX to Discover, and this time the {$50000.00} fund left XXXX ( XX/XX/XXXX DISCOVER BANK ETRANSFER XXXX WEB ID : XXXX ) and arrived Discover Saving on XX/XX/XXXX. 

3. On XX/XX/XXXX, I noticed from Discover account, Discover issued a reverse ACH deposit of {$500000.00} to XXXX without my authorization. I called Discover in the same day to check, and was told the reverse deposit is for the transaction I made on XX/XX/XXXX, even though they did not received any fund due to insufficient fund, they still somehow posted it in my account. Therefore, I was told nothing need to do as they already received the {$50000.00} ACH deposit on XX/XX/XXXX. Note : I never received any Reverse Deposit from Discover in my XXXX checking. 

4. On XX/XX/XXXX, I noticed that Discover issued another Reverse Deposit of {$50000.00} to my XXXX checking without my authorization again. I called on the same day again, and this time I was told a different story : The Reverse Deposit of {$50000.00} on XX/XX/XXXX is for the failed transfer on XX/XX/XXXX and I should received it in up to 3 business days. The previous Reverse Deposit on XXXX is for the transfer on XXXX! Again, I waited a week, no any Reverse Deposit hit my XXXX checking. 

5. I made 3 more following up calls to Discover to try to locate my {$50000.00} fund and the latest one is on XX/XX/XXXX with ref # XXXX. The latest they told me is that the {$50000.00} has left Discover and is with their " middleman '', and I have to ask XXXX to request it from this " middleman '' to get my money back! This is so ridiculous to me and to XXXX ( I talked with XXXX, they do not have such procedure ) .I tried so hard to ask help from Discover and ask them to escalate this BIG SYSTEM ISSUE to their upper management, and was told that all XXXX upper leaders at Discover provided the same solution, which is no solution and Discover has nothing to do to get the money back to Discover or XXXX. They refused to continue on my case. 

6. During the time of long conversation with Discover representatives, I also learned the similar SYSTEM ISSUE happened not on myself, but also other customers. I am so worried about my missing {$500000.00} day and night. As of today ( XX/XX/XXXX ), there is no any help from Discover and my money is just gone!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has two accounts shown, US DEPT OF ED/XXXX  # XXXXXXXX XXXX XXXX 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: Debt collection

Account in question : XXXX/XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to XXXX and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from XXXX. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : experian, XXXX and XXXX. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the XXXX data breach. 

All account information and dates are on attached document.
Product: Credit card or prepaid card

I opened a secured card with Bank of America with a {$500.00} credit limit where I paid the {$500.00} and was able to use the card and make monthly payments. This was to help build my credit instead the card came with higher than normal interest and fees. I lost my job and fell behind in making my monthly payment on the card. I have tried to work out an agreement with Bank of America to pay this card to no avail. The bank is saying I now owe {$1000.00} but how when the credit limit was only {$500.00} and I put up the {$500.00} to use as collateral. Bank of America is a rip off to hard working people trying to improve their credit and especially to minorities like myself. I want this charge off from XX/XX/07 off of my credit and a full audit of the account in question and all late fees, and high interest removed along with my {$500.00} credited to this account and call it even for I don't owe {$1000.00}
Product: Debt collection

Phoenix Financial Services is reporting a fraudulent account XXXX that is ruining my credit. I have already filed a complaint which was answered by Phoenix Financial Services stating that no account was found and include the account # and my social. The last four of my social security number is XXXX and account number is XXXX as it is showing on my XXXX credit report. This account is not mine and I disputed this same account under a different collection agency in XXXX and it was blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue with fraud alerts, credit freezes and unknown credit inquiries appearing on my credit report. XXXX has allowed unknown sources and dangerous individuals and organizations to access my credit file placing me and my children 's life in danger all because I am no longer paying for a membership. 

Credit bureaus are private companies not the government and they need to stop taking advantage of American citizens. I am a Veteran and I have the CRAs selling my information without my consent- it is actions like this which contribute to the country falling apart. Stop helping criminals and protect American citizens information under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 : 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 already reached out to the credit bureaus and to NAVY FEDERAL CR UNION, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report. // NAVY FEDERAL CR UNION XXXX Date opened XX/XX/2015 Balance {$26000.00}
Product: Credit reporting or other personal consumer reports

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 's 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 reinvestigation 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times for different background checks for employment ive seen now on my record it shows as if I have an active warrant which I DO NOT. It has my case from more recently showing I have even been to court since the supposed warrant issue date and I've confirmed multiple times with the clerk that I have NO WARRANT, yet it shows up as though I have a warrant for some kind of drug charge I know NOTHING about. This is affecting my life and ruining my employment chances and it NEEDS to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. XXXX Account # XXXX, 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 an account without my written instructions.
Product: Student loan

I am {$100000.00} in debt with navient. My monthly payments ( interest only ) would make it impossible to live. They have reduced it by half but only because I am looking to file for undue hardship ( I meet all the requirements for the three tests ) this new amount is still to much, as I have XXXX in federal loans as well, I intend to pay these loans because they make it so that I can make affordable payments. I have heard it is near impossible to file undue hardship and win with private loans. I would like to go back to school, have a career in XXXX, own a home etc. If I default on these loans these things will never happen. When I was able to make payments ( with XXXX ) they would try to say my payments were late even though it was set up for automagic withdrawl. I had bank statements showing they took the money but they still argued with me until I threatened legal action. A few years prior a customer service rep told me " people like you do n't deserve to have a life. ''
Product: Credit reporting or other personal consumer reports

I requested the deletion of my account and associated personal data. Despite following the companys stated procedures, my account has not been deleted. I have contacted their customer support multiple times, but the issue remains unresolved. 
This failure to honor my request may also violate data protection laws, including the CCPA and GDPR.
Product: Checking or savings account

Citibank offered us an accelerate savings account. I opened the acct mid XXXX. We made 3 large deposits first one {$40000.00}, next month we deposited {$20000.00} then in XXXX made another {$5000.00} deposit. 

The day after the last deposit on XX/XX/XXXX they said that they have blocked my account and is closing it. I have no access to my account to even see that my money is there. When you call them you are on hold for over an hour. They will not tell me why they are closing it and they will not allow us to take our money out. They will close it after they investigate and will send me a check in the mail. 

I did receive interest. but now I can not access or receive any interest and with the current mail system I have already experienced not receiving checks in the mail multiple times. So sending me my money 60 days later in the mail is unreliable and unacceptable. 

I need access to that money sooner than 60 days. They are not allowing me to talk with a supervisor. They give me no confirmation or reason why they have blocked and closed my account. At this point I just want to put my money back into my local account. 

No withdrawls have been ever made the only thing that has taken place is 3 deposits directly from our bank. All done on line. There has been no illegal activities. If someone was trying to do something to my account I don't understand how I wouldn't be notified about that and why they are closing my account. At this point they are holding my money with no confirmation or availability to see what money is in there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 4 ) A Statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX 2nd mortgage account # XXXX has been paid. Experian CRA is still showing the account as " Open ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Company credit reporting has locked my personal profile. I am unable to change my password, pin, and other security information. 

This information along with my SSN was requested by Experian Company specialist agents each time I contacted the company regarding my concerns how they are displaying my credit report.

Experian Company credit reporting website informs my information has been found over 10 times.

I considered Experian Company credit reporting has exposed my information to fraudulent activities. Experian Company credit reporting website informs I must upgrade to their premium package if I want my information protected.

Experian Company credit reporting website informs that ID monitoring from their company 's plan is needed for my account because it is unprotected on their website. If I want protection for my information, I must upgrade to their premium or other offered packages, but protections are not available in the free package. 

Therefore, it is important to have access to change my password, pin, and security information on Experian Company crediting reporting website. But I am unable to complete the process because Experian Company has disabled my ability to make changes to my personal profile on their website.
Product: Checking or savings account

I'm a XXXX XXXX Veteran. Chase Bank Refuse to Unfreeze my Total ( ... XXXX ) checking account which has {$3600.00} of funds I urgently need access to for medical needs. The Freeze began XX/XX/year>. 

As I've been told by my fellow XXXX XXXX, Banks must review the account to determine if direct deposits into the accounts include certain government assistance income, such as Social Security and veterans ' benefits. These benefits are generally exempt from the freeze. Alleged Legal Violation is 31 CFR 212.2.

I've tried calling Chase Fraud Department and in person contact at my local Chase Bank. Chase refuse to unfreeze my checking account which I urgently require access to my funds. My Total ( ... XXXX ) checking account History shows my XXXX XXXX XXXX XXXX XXXX to JPMORGANCHASE BANK, NA.
Product: Credit card

Timely payments on this account have always been a priority for me, and I've never let them be overdue. I don't understand the reasons for late payment remarks on my accounts. According to 15 USC 1666b, billing errors must be corrected.
Product: Debt collection

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a XXXX XXXX XXXX XXXX and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters. 
They didn't like this so they sold of fraud debt to a debt collector. I completed a packet for them and they still wont do anything about it.
Product: Credit card or prepaid card

This account was opened by my ex without my permission. It was never on my credit report. My ex spent a lot of money on it and I started paying it back and got behind on the payments. Syncrony added it to my credit report ( none of the positive history, only the negative ) and closed my account. I called them and have a representative on a recorded line tell me that if i start paying it back now, they will re open the account. I was paying for a few months ( end of XXXX  ) and then I called back another day and the representative said that this is not true " we never re open an account ''. Sometimes I call and they say they sent it to a collection agency and sometimes I call and they say they took it back so I can make a payment. I called today and she said that it was sent to collections again and she can not see how much or if any payment was made by me recently. This is not okay.
Product: Debt collection

My credit report show two auto loans, that do not belong to me. 
Please see the below auto loans : UNITED AUTO CREDIT CO XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE CREDIT CARD OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH CAPITAL ONE AND XXXX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
Product: Debt collection

I contacted Allied collection services on XX/XX/2017. I received a response form the company by mail dated XX/XX/2017 by USPS letter dated XX/XX/2017 I mailed a copy of my Identity theft affidavit on XXXX XXXX by USPS as of today I have not received a response however this company continues to report to XXXX.
Product: Credit card

Received this message on XX/XX/XXXX Chase Fraud : We declined {$500.00} with card ending XXXX XXXX XXXX  Was this you? Reply YES or NO. If yes, you will not be charged unless the purchase is attempted again. If no, we will close your current card and send you a new one that you should receive in 5 to 7 business days. Msg & data rates may apply. 

I replied NO Chase Fraud : Thank you, we will close your card and send you a new one that you should receive in 5 to 7 business days. If you recognize all the other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card. 


Checked app on the XXXX XXXX XXXX XXXX and no update in my transactions. 

On XXXX XXXX XXXX XXXX the unauthorized purchase was included in the balance but nothing was in the transactions to show this. 
Checked again at XXXX XXXX. and suddenly 6 purchases appeared on my list of transactions, 5 were {$97.00} and 1 was {$15.00}. I tried to dispute the claim but the app says, 'that part of the site isn't working. '
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach. Credit has been compromised
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.