23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Branch has been one of the many accounts I've had over the last few years that never did this. Just recently they have started holding all pre-authorized amounts for the maximum amount of time, even after final transaction has posted. 

XX/XX/XXXX for example, I swiped my card at a car wash and it pre authorized {$10.00} dollars. The same day it sent a final transaction of {$4.00}. I called and inquired about the hold to see if they would drop the hold 3 days after the fact and the customer service agent boldly kept lying to me like I didn't know what I was talking about. First it was you have to wait the 9 days till drops off. Then it was you need to talk to the merchant and see if they would release it and on and on. First of all I know just like hotels when the final transaction is sent the merchant isn't holding the funds. They funds never leave the bank. After final transaction is sent the merchant also released the hold and from there always it's XXXX or XXXX who processes it and then releases it immediately. It's always up to the account holding company to drop the hold and they act like I don't know this. XXXX for example if you send them a copy of the bill from hotel they will drop it. Well Branch will not under any circumstances drop the authorization hold until they have held the funds for the maximum amount of time wihich is 8 days but they hold it nine. If i'm not mistaken, any and all funds that are released or sent to a prepaid account have to be immediately made available that business day. This is twice they have done this to me in two weeks. 

The aren't a bank and they aren't allowed to hold funds. Branch did have every single XXXXXXXX XXXX  driver and now that they don't I feel like they are resorting to other tactics, that are borderline violating laws. They have been doing this since the get go probably trying to hold onto the XXXX XXXX dollars they are allowed now to lend in lines of credit. 

Please stop these tactics. As Branch is looking at only their bottom line, our bottom line out here is that holding that {$10.00} dollars for any length of time can make a huge differnece out here to the people that don't make the money you do.
Product: Checking or savings account

On XX/XX/2017 I was in Bank of America in XXXX XXXX, VA around XXXX XXXX. Their ATM machine took my ATM card for the third time as I was told that it has been happening to many customers. I was first in line and two ladies were behind me. one was a XXXX XXXX mid age American and the other was a very pretty well dressed young woman. This bank 's employee of course a man, who is in charge of customer service also giving new ATM cards, called the XXXX  lady first and took care of her then he called the young lady behind me and I had to speak up to remind him that I was here first. He told me to go and and wait in the last office and he will be there. He came after several minutes because he took care of the pretty lady and without saying hi or bye, he gave me an ATM card with a angry attitude.. I was not dressed up well and my appearance was simple. That bank employee treated me really bad and was very rude ... I was mistreated badly before by this bank because of my appearance. I know for sure that I got discriminated against badly by people of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that appears on my credit report that does not belong to me. Obviously someone has my information and have created these accounts.
Product: Debt collection

on XX/XX/year> I received a copy of my consumer report with accounts furnished fraudulently. I reached out to the credit bureaus to investigate my credit report multiple times because I have been a victim of Identity theft. I supplied the FTC report as well to back up my claim. Sense the data furnishers have not responded to my request for proof I want these items removed permanently. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information. The accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these data furnishers have a legit reason to be listed on my consumer report and they are violating my consumer rights by furnishing these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.
Product: Mortgage

SPS has refused to modify my loan. They offered a repayment plan with a balloon payment in 13 months of XXXX.I filed a chapter XXXX and my debts were discharged, but that are making me pay the all of the back payments
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got a letter in XX/XX/XXXX stating my mortgage was increasing due to a increase in my insurance and taxes. I was very concerned so I called early XX/XX/XXXX and spoke with a very nice person who took the time to explain what was going on. I expressed my concerns about the increase and was told there was a shortage in my escrow account. The lady took the time to give me the exact amount needed and emphasized that when I call make sure I tell them this is for the escrow. I did exactly as instructed. However this mortgage company has been rude and totally ignoring my request they have taken my money and refused to apply to my escrow. They have hung up on my numerous times. Unprofessional passing blame and insisting there is nothing that can be done. This is s complete disgrace. I did my best and the company is refusing to listen or help. Please take the time to assist me before it too late. Lakeview loan services is the absolute worst. They need to hire adults who listen and follow up. I need help getting the monies applied as they have deliberately made a mess the stress and the lack of respect shown by this is unacceptable. Please advise. I've been calling for 4wks with no results
Product: Credit reporting or other personal consumer reports

I am writing about this case that I have been trying to get a resolution for a while now regarding the XXXX XXXX ( XXXX ) account that is reporting an inaccurate Date of First Delinquency ( DOFD ) on my Experian credit report. It is within my consumer right, per FCRA law, that my report is accurate. 

The DOFD I got in a letter from XXXX is XX/XX/XXXX, but Experian is reporting the DOFD as XX/XX/XXXX. This change clearly has an impact on when this account needs to fall off. 

I have disputed this account numerous times to give XXXX and Experian a chance to correct this mistake, but that has not happened. I disputed this inaccuracy on XX/XX/XXXX with proof from the XXXX letter showing the correct DOFD and Experian just sent me dispute results that the account came back UPDATED. 

Experian did not clearly verify this info from the data furnisher ( XXXX  ) because if they did, per law, they would have found the inaccuracy in the DOFD. 

Experian and XXXX are violating my FCRA rights. 

This account continues to adversely affect me.
Product: Debt collection

I have sent 3 letters via certified mail requesting the information needed under ( 15 U.S.C. 1692 ) to validate the debt. Midland Credit has not sent any of the requested documents and at this time seems to be refusing to provide this information and apparently do not think that they have to comply with the federal law in this matter.

I am attaching copy of all letters sent as well as the return receipts showing that Midland Credit is in receipt of the letter requestion the information to validate the debt.
Product: Credit reporting or other personal consumer reports

Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from First access to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.
Product: Credit reporting

This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX.
Product: Money transfer, virtual currency, or money service

Im beyond furious with another payment returned. Check out the emails Ive enclosed. I dont have accounts with XXXX XXXX or XXXX XXXX XXXX linked to PayPal Credit. 

My default auto payment is XXXX XXXXXXXX XXXX XXXX. While settling in with family for XXXX XXXX, I saw these emails. I quickly made payment from XXXX XXXX XXXX, XXXX XXXX to me Synchrony! 

Im escalating this to the CPFB as well. My account with XXXX is in good standing and has been funded when these payments were presented. 

Im asking for refund of any fees ( returned item and late payment ). 
Im also asking the account be closed to advances per my instruction and my credit report note as such. The closed by creditor is a negative on my credit file and this closure has not been my fault. 

Im planning to pay off by XX/XX/XXXX to avoid deferred fees and will have to consider whether to give PayPal and Synchrony any of my business with this continuing horrible service experience.
Product: Debt collection

This appears to be a resuraction of Claim # XXXX dated XX/XX/XXXX for XXXX XXXX XXXX It involves {$30.00} claimed by XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX acknowledged debt was not owed and cancelled claim. XXXX XXXX XXXX internet was canc elled XX/XX/XXXX and {$30.00} paid XXXX XXXX XXXX wants full bill paid even though XX/XX/XXXX of {$60.00} total even through services were not used. 
XXXX XXXX XXXX just farmed claim out to another agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MS XXXX Phone XXXX On XX/XX/XXXX I spoke by phone with a XXXX at XXXX at XXXX XXXX I asked for copies of ALL paperwork relating to claim She said she had NONE It is their Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX to early XXXX of 2023 my Credit Card with Old Navy that is held with Barclay Bank had fraud charges in the amount of XXXX or close to that. I called customer service and explained that my card was lost or stolen. The person who took the report initially did not put all of the fraud charges into the report. A new card was generated and a balance was transferred over to the new account. I have spoken to representatives from Barclay Bank and over and over was reassured that my account would be looked at and there would be a XXXX balance. 

I am concerned with this bank and feel that they are in violation of the Fair Credit Act. I am being forced to make payments on fraud charges and I feel intimidated by their predatory ways. The customer service representatives are unskilled and incredibly lazy. I was sent a letter by an employee representing Barclay that claimed the fraud charges would be taken care of. It is ridiculous to assume that I would not be responsible for some fraud charges but not the rest. If the card was not in my possession how could I possibly use the card. The bank should be investigated for unethical tactics and I feel that this might be because I am a female.
Product: Credit reporting or other personal consumer reports

Experian has 3 credit cards companies on my consumer report without my written consent and the transactions between consumer and persons making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating 15 USC 1681 ( a ) ( d ) ( 2 ) ( 1 ) exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report. Violating 15 USC 1681 b ( 2 ) - permissible purpose of consumer reports ; in accordance with the written instructions of the consumer to whom it relates. Also because of these violations I was denied a home loan and 2 other credit cards because they pulled my Experian credit report.
Product: Credit reporting

I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Experian I am writing to dispute the following information that appears on my Experian consumer report : DisputXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Dispute XXXX XXXX Dispute XXXX XXXX Dispute XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX previous address XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX ( Fraudulent ) Source of dispute information : XXXX Type of disputed information : Unrecognized accounts, Unrecognized previous address. 
Dates associated with item being disputed : XXXXXXXX XXXX, opened XX/XX/XXXX. XXXX XXXXXXXX, opened XXXX, opened XX/XX/XXXX. XXXX, opened XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX, opened XX/XX/XXXX. 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question. 

Thank you for your assistance. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Reopening case XXXX. Ally lied and the problem was only fixed for 2 days before the system crashed.
Product: Credit card

I received calls and email regarding my deliquent account then. I revieved my account and asked if 1.my late charges could be reduced.

2. I asked why my interest rate was as high as XXXX  % XXXX. I also questioned why my credit limit was increased to XXXX without informing me. 
4. I questioned them about my annual fees
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that an incorrect collections balance from XXXX Collections was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with Equifax, XXXX, and XXXX and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from XX/XX/year>.
Product: Debt collection

In my case number : " XXXX '', the creditor said the debt was removed from my credit reports. 

The debt is still being reported by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) - This account is paid off. I have asked the company involved to delete this account but somehow they still have not deleted this.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX XXXX XXXX. 
I would like to clarify that I have already paid this account through a different collection agency prior to your acquisition of the debt. As such, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. code 1692g. I am requesting that XXXX XXXX XXXX ( XXXX ) provide me with the following : 1. A copy of the written purchase agreement or assignment of the account that shows the transfer of ownership from the original creditor or the previous collection agency to XXXX. 
2. Proof of the amount of debt XXXX claims I owe, including an itemized accounting of all payments and charges made on the account. 
3. Any documentation that confirms XXXX  legal right to collect on this account. Please be advised that I dispute the validity of this debt, as it was previously paid in full. I request that all collection activity cease until XXXX can provide the necessary documentation showing that XXXX legally owns this account and that there is an outstanding balance. Additionally, I request that XXXX update any credit reporting agencies and remove this account from my credit report if they are unable to provide proof of ownership and debt validity. Failure to do so will result in additional complaint with CFPB, FTC. and a lawsuits. 
Thank you for your attention to this matter. I look forward to your prompt response. Please contact me via the CFPB portal for further communication. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.
Product: Credit card

I have been sending Amex messages to email me a link to pay my outstanding balance of {$380.00} on cc no XXXX. So far they have not replied with a payment link to make this balance payment online.
Product: Debt collection

Dear Sir or Madam : Miller Stark Klein Assoc offered me a settlement for the outstanding auto loan with   XXXX   XXXX   from  XXXX . Claiming in order to avoid court proceedings, I should pay immediately. I paid {$1900.00} to Miller Stark Klein on  XX/XX/XXXX , with the impression that my debt with   XXXX   would be settled and rectified.
Unbeknownst to me, Miller Stark Klein Assoc does not have proprietary rights of the outstanding debt with  XXXX . In fact they have zero correlation to said debt with  XXXX . I contacted   XXXX   as of  XX/XX/XXXX , the debt is owned by   XXXX   XXXX   XXXX  .
I am being summoned to court for the amount due in full by   XXXX   XXXX   XXXX  . Miller Stark Klein falsely represented themselves, leading me to believe they were acting on behalf of  XXXX . They defrauded me of my {$1900.00}, all the money I had available in order to settle this debt. Now I am in the midst of a much bigger predicament.
I want my money back! I want Miller Stark Klein to be penalized for misleading people. What they did was wrong ethically. They should not falsely take money from people that are struggling to repay their debts. I am willing to collaborate and/or offer full support to CFPB in regards to this request.
Sincerely,   XXXX   XXXX     XXXX   (   XXXX   )   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Navient onXX/XX/XXXX and on the XXXX or the XXXX of XXXX to dispute incorrect information on my account. I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted Navient twice after, and to no avail. I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month. Might I add, you can see a copy of my payment information on the Navient website. 
Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately following XX/XX/XXXX. I received information in the month of XX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.
Product: Credit reporting or other personal consumer reports

I have two mortgages and one HELOC with XXXX XXXX. The information on my credit report has not updated since XX/XX/year>. The account balances and payment dates are inaccurate. I have filed a dispute with Transunion and I have talked to the bank. No one is able to help with getting this information corrected.
Product: Vehicle loan or lease

The car ( XXXX XXXX XXXX XXXX has been paid off for over a year. I never recieved the title ( lien release ) so I called and they re-sent, never recieved it again so I had them send to my Mom 's address in NY. Still never recieved it so I had them send it to my dads, still never received it so I gave them my new address, and still have not recieved it. 

I just got XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and need to register my car in California, but I have no lien release to do it with. The title department and westlake portfolio managment is unreachable. I've called probably XXXX times and I am never able to get anyone who cares enough to get me my lien release.