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

Chase put an extended hold on a check deposited to a Trust Account. I called, they verified with the bank where the funds came from. They verified that is is cleared from their end. Funds were available, Chase still places an extended hold on the account and at the same time locked my personal account connected to the account since I am the signed on both accounts. Subsequently Chase decided to close both the Trust account and my personal account, even though the funds cleared and verified. 
I received only refund check for my personal account. Have been calling to locate the missing funds from the Trust account which had a substantial amount of money. It has been a week without answers.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

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, 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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

HelloRecently a account came up on my credit report XXXX XXXX   the account was closed paid in full for a lesser amount in XX/XX/2013I spoke to XXXX when this came up last week on my credit report. XXXX checked it out and said this account was closed and would not affect my credit score of XXXXTransunionThey dropped my credit score 65 points leaving my credit score at XXXX. I called them today, what was thier reason to lower my credit report that much.. They had no reason for that. I verified that they had the same information number of accounts as XXXX,They have always been lower then XXXX Transunion uses the same software company as XXXX. They both should be the same. I have worked hard to repair and maintain my credit. Yes I did have problems in the past. I don't believe they have the right to manipulate ones credit as such. Transunion have no right to my information as far as I'm concerned, I did I give them the right to have my social security number or my personal information to sell nor have I given them the right to profit from my information.I'm furious
Product: Credit card or prepaid card

The bank is denying me access to my online account. They also refused to allow me to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX 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.
Product: Debt collection

Threatened to report on mine and my husband 's credit, very rude continued collection calls, and demanding voicemails
Product: Credit card or prepaid card

False advertising for credit card bonus mile I have Capital one Venture X card and it had a protomion for earn XXXX bonus mile once I spend XXXX in first 6 month. 
Credit card app has a tracker for your bonus showing how much I spent and how much to go. for last two days before expiry date, i did spend the balance. I did not know that the purchase made on last day wouldn't be counting for this spending. 
Now they are saying the amount needs to be posted on the account to be considered as a spending. 
What is the point of having a daily tracker on your app if it doesn't reflect the amount real time and do not have notation saying only posted amount will be considered for the spending. it only shows that offer expries XX/XX/22. Tracker updates daily with spent $ and to go $ I feel like spent over XXXX USD for nothing. 
Can't belive they can't extend a week to reflect those last day spending on my account in consideration or consider those spening in calcuation. 
This is very misleading and if I knew that those were not be considered, i would have made a purchase much earlier ( XXXX says some purchase can take a week to be posted ) or not spend it at all.
Product: Mortgage

After 17 years with other mortgage with no problem or dispute. note all do have office in NJ if by change any problem need to be resolve. Nationstar Mortgage enter the picture in XX/XX/XXXX, problems starts, unfair escrow practice, no office in NJ to talk in person. By pass XXXX to make calls to me XXXX times a day for months. Problems not resolve, block my payment to house insurance [ the insurance send me a refund check ], start to returns personal checks for principal & interest only. IRS form show two month short of principal & interest. House loan not going down. compound interest, charging late fee, charging property tax, Making mistake in last year escrow [ XXXX ]. Hard to talk over phone, refuse to talk to me, want only talk to my wife just because her name is on it. Credit rate went down, had to pay higher interest rate for a auto loan. Nationstar Mortgage is not a XXXX Accredited. Credit rate for XXXX/XXXX/XXXX/ done by XXXX which also pay the property tax for Nationstar Mortgage , possible house Insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually would love it if we were able to select more than one option on the question what problem are we having. I have several 1 ) Equifax incident was in 2019, i filed all requested and required documents to be reimbursed as per the instructions. I have yet to get any kind of response on that. No reimbursement, no identity security, not a call or a letter back nothing 2 ) it took me several attempts over the course of two months accumulating 7-10 hours on the phone to get through their faulty phone system, sit on several different periods of random holding for extremely lengthy periods, to finally reach a human to unlock my account on their site because they stated I answered the questions wrong. After I finally gained access I began the long uphill battle to try and correct my report on Equifax because it is beyond screwed up. Still not done with this process.

3 ( tried to request my free credit report, and was again locked out of their site and my account because they said I answered questions wrong but their identity verification questions included accounts I never had! How can I compare and correct my report if they keep locking me out and making it impossible for me to see all the details?

This process and system have become unacceptably inconvenient and frustrating, not to mention it's all because they crowned themselves big brother which essentially makes them the biggest scariest most invasive stalkers of all time. How is these business or practices they " instituted to keep citizens safe '' be legal when they are the reason hackers are targeting our info to begin with. They made up their service way back when they convinced a few key monety lenders and banks that they knew everything about everyone and it was just silently accepted as fact. They aren ; t the government they have no legal powers they NEVER asked for my permission to collect personal and sensitive information about me yet I am not allowed to remove myself from their databanks??? how fair is that? how can that be legal?

So again, for the third time this year, since they the all powerful credit watchers have the WRONG information, and apparently can ; t be bothered to hire enough people, or invest in quality management of any kind, I have been locked out of my account again, and have to go through the circus of trying to get a breathing human on the line to help me since you can't unlock it yourself or request a reset even. This company has cost me way too many hours of my life already I demand change and resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all 3 Credit Bureaus and XXXX as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court.  So the credit bureaus and XXXX verification method on how they verified the Bankruptcy is invalid.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIM 'S LETTER TO CONSUMER REPORTING AGENCIES Transunion P.O. XXXX XXXX XXXX, PA XXXX RE XXXX  Block Request - Dear Sir or Madam : I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that tXXXX Collection Accounts 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 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 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 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity A copy of drivers license XXXX documentation o A self-attestation that you I am a victim
Product: Debt collection

Hello, I've received numerous, unsolicited phone calls from Comenity Bank ( all over {$190.00} that is past due - even though I've made monthly payments recently ) I have blocked the phone numbers - after speaking with someone who was very rude... 
Please help! 
I XXXX  them! 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the 2017 Equifax security breach, I was potentially affected by this breach. I have followed every step outlined by the company to sign up for their no-cost " premier '' monitoring service. Without exception, their enrollment process has been flawed and their computer resources are inadequate to compete the enrollment. As of this morning ( XX/XX/XXXX ), the company 's computer system is down due to high volume and I was told it is not expected to come back up until late tomorrow ( XX/XX/XXXX ). I have not been able to complete the enrollment process almost two weeks after I determined I was potentially affected.
Product: Debt collection

Midland Credit Management claim that they have the court order and rights to contact my employer. They also contact my colleague and emailed my personal information and spreading my confidential information to my colleague, which is they told me that Judge authorized them to do so. 

Midland Credit Management claim that I owned money from XXXX XXXX, I have been request more documents to approved that is my account from them, Midland refused to provide any documents to me and keep sending the letter to my employer ( They said that is court order to allow them to do that ) Also they emailed the secure message to my colleague as well ( Midland told me that Judge also authorized them to contact my colleague ). 

Finally, Midland provided me with three bank statement of XXXX. Which is my name on the statement and the address I can not recognized. 
Since I'm disputing the case, Midland should stop contact my colleague and my employer. 
I will file the Fraud affidavit also will report the issue to the local policy office.
Product: Debt collection

On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ Date opened XX/XX/2012 which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

on XX/XX/22, I sent a Conditional Acceptance letter to Navy Federal Credit Union in order to conditionally accept their offer. They have accepted my form of payment due to the fact that it has not been returned with a notice of dishonor and they have received the instrument as a credit on their books. They need to credit my account the same as I state in my conditional acceptance letter and rebut my proof of claims which they have also failed to do. Unless they can disprove my claims, the debt obligation is that of Navy Federal Credit Union.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX XXXX XXXX, 2024 To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for this account listed below. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 

JEFFERSON CAPITAL SYSTEMS Partial Acct XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; ( XXXX ) XXXX XXXX In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 


Thank You, XXXX XXXX
Product: Credit reporting

The company XXXX is reporting that I have an outstanding balance with XXXX XXXX Apartment, attached you will find that XXXX XXXX responded to XXXX that I do not have an outstanding balance with them. I have disputed this information several times with the credit bureau and they have replied each time that the information that XXXX XXXX is reporting is accurate. If the company has replied stating there is not a balance with them then how is the credit bureau confirming that the information that XXXX XXXX is reporting is accurate.
Product: Credit reporting

experian has updated false information, that is very harmful to the credit standing on experian personal credit report ( included here ) .the final and last payment on this forclosed real estate loan was XXXX.that means this account is far beyond the 7 year limit of negative reporting.I have obtained a complete payment history of the loan from XXXX XXXX XXXX today ( incuded here ) .the XXXX XXXX XXXX account number is XXXX. 
THIS ACCOUNT ACCORDING TO FCRA MUST BE DELETED IMMEDIATELY, XXXX AND EXPERIAN BOTH HAVE LEGAL LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX   # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Checking or savings account

On XXXX XXXX XXXX when you went online banking a message came up that online banking will be closed until XXXX XXXX at XXXX XXXX since that day i have a few Business accounts with apple bank which i can not get login access and I 've been to the local branch like 10 times to get a date for getting access and i was told that  it takes max 2 weeks, the frustration not having access is unexplained in XXXX to wait for online access so long is unheard off, its close to 3 weeks now and still no date for getting access please help me