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

Tried to initiate a transfer out of the savings account on XX/XX/XXXX. Despite being ACH, they don't process the transfers for 5 days. On XX/XX/XXXX, I have a note that my account was locked. Called and waited for 1:30 minutes to a representative. Account was unlocked and ACH transfers could resume. ACH limit due to the blocked transation was not restored. 

{$50000.00} was transferred, out of the {$200000.00} requested. Account balance shows {$100000.00} was transferred, {$50000.00} unaccounted for currently. {$190000.00} is locked in the account again on XX/XX/XXXX with no way to transfer. Request for a wire was declined.
Product: Credit reporting or other personal consumer reports

I am formally address the persistent issue of an charge-off with incorrect balances on my credit report. This is my final attempt to have this inaccuracy corrected, as previous attempts have not resolved the issue. Despite providing thorough documentation and evidence to support the correction of this charge-off, it continues to inaccurately appear on my credit report with incorrect balances. This persistent error is severely impacting my financial standing and credibility, causing significant stress and inconvenience. With this, I request for an immediate deletion of these accounts that serves as inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect charge-off on my credit report. If this issue is not resolved promptly, I will have no choice but to escalate this complaint further and seek legal recourse to protect my rights as a consumer. Please help me remove these following accounts immediately : XXXX XXXX  XXXX **** Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter on XX/XX/XXXX to delete erroneous information on my Credit report which included, employers, addresses, spouse, names. I received an email notification today XX/XX/XXXX at XXXX XXXX stating that they received my dispute request and were going to start reviewing it. At XXXX XXXX on XX/XX/XXXX I received an email from Experian that my dispute was resolved. I provided all documentation that was required to show my current address, and name. All items that were disputed were not acknowledged.
Product: Credit card or prepaid card

in XXXX with XXXX XXXX Bank I got a {$1200.00} guaranteed card, The bank did not use the XXXX they held to pay off the card. While I was trying to get it resolved 5/3 Bank acquired XXXX XXXX. Again I tried to resolve it when I got a statement saying I owed over {$6000.00}. Eventually I got that number cut in half but then I was told because of the time lapse they no longer had my account information. Long story short I continued to pay, with a final {$360.00} paid on XX/XX/XXXX. 

Nothing, probably can be done for me at this point, but I hope you can help others. 

XXXX XXXX XXXX email : XXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX - XXXX : {$470.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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. 

Account Name : XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX  XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : 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 602 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 reporting containing any of the following items of information any other adverse item of information, other than records of conviction or 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

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform XXXX XXXX XXXX XXXX and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I am writing to express my deep frustration and dissatisfaction with the recent experiences I have encountered with Credit Acceptance, specifically in relation to the repossession and subsequent release of my vehicle. 

On XX/XX/XXXX, I visited the Credit Acceptance website to make a payment to retrieve my repossessed vehicle. I went through the payment process on their website, received a confirmation, only to discover later that the payment was processed through a third-party service without my knowledge. This lack of transparency is unacceptable, as I intended to make a direct payment through Credit Acceptance. 

Despite the payment being confirmed on XX/XX/XXXX, I have been informed that I must wait until XX/XX/XXXX, well beyond the initially communicated XXXX business days, to have my vehicle released. This contradictory information and prolonged delay are causing unnecessary hardship and inconvenience. 

Furthermore, my account reflects a discrepancy in payments, as I have paid a total of {$9000.00} since XX/XX/XXXX, yet Credit Acceptance insists I am behind by {$3700.00}. This inconsistency raises serious concerns about the accuracy and transparency of their accounting practices.

I urge the Consumer Financial Protection Bureau to investigate Credit Acceptance 's practices, specifically addressing the lack of transparency regarding third-party payments, contradictory information provided to customers, and discrepancies in account balances.

I appreciate your prompt attention to this matter and hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the Marriott mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, Marriott 's XXXX XXXX in XXXX XXXX charged my Marriott XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my Marriott XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( Marriott XXXX ) was delinquent. The XXXX XXXXXXXX XXXX  accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the Marriott XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, Marriott. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with Marriott 's.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I spent over XXXX hours trying to get a {$50.00} reward for a hotel stay that I am entitled to from my Chase XXXX Credit Card from a trip in XX/XX/2022. I needed to be transferred more than 6 times over the course of XXXX hours. I kept getting transferred requesting a supervisor, but either not getting a supervisor or not the " right '' supervisor. The first supervisor was named XXXX after being told I was being transferred to an ultimate rewards supervisor 2 times before this point. After waiting another XXXX minutes to speak to her and having to confirmed my information every time I spoke to someone new she alerted me after speaking to her that I needed to talk to a different supervisor in XXXX XXXX XXXX XXXX. I asked her to stay on the call to assist me but she refused and said, " you can't hold me XXXX '' and passed me to a routine person who I confirmed XXXX times that I was being transferred to an Ultimate Rewards supervisor for Chase and I get transferred to a routine first call person and told that I needed to wait again for a supervisor. I am still on the phone waiting for another supervisor. I am sorry but all this to get a {$50.00} hotel reward credit that I am entitled too. They also keep giving me different answers on why it did not get processed but confirmed that it should have been given to me. The customer service and waste of my time I received was abysmal from a company that falsely identifies them as having amazing customer service. I would be extremely embarrassed if this was my company or if I worked for this company. I truly feel they try to transfer someone to another person to wear them down until they hang up.
Product: Payday loan

I received threatening calls from a debt collector ( naming me as a " person of interest '' in a legal matter ). They claim I owe multiple lenders due to several payday loans that were sent to my banking institute from XXXX to XXXX. The company is called HIGH POINT ASSETS INC. They are calling on behalf of several lending entities that allegedly deposited funds into my bank account in {$400.00} increments ; totaling up to {$2600.00} over a period of two years. The representative asked me to verify the last XXXX digits of my SSN and my current mailing address, none of which did I provide. Instead I asked the caller to confirm what they already have on file and s/he gave me information that was over XXXX XXXX XXXX ( clearly the information was not active during time they are suggesting I took out the loans ). And to add insult to injury my place of employment as well as banking institution the " said '' funds were deposited was also incorrect/inactive. This company is operating under false pretenses -- an atypical SCAM artist to say the least. PLEASE do not verify your vital information with them, request that they send you something in writing before moving forward!!!
Product: Student loan

I have had XXXX and was out of work for 6 month just recently lost my mother the only offered me a forbearance with Navient.
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. Account Names : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . States : I have a right to privacy. 15 U.S.C 1681 Section 602 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 items 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

This company insists on constantly reporting false and fraudulent debts on my credit report and is in violation of the FCRA. I have repeatedly requested through the credit bureaus to provide the contract bearing my signature engaging in a contract with the REPORTING company in order to validate any debt having that being the ONLY LEGAL VALIDATION of a debt per FCRA reporting. The LAWS are constantly being violated and this is now harassment and invasion of every privacy law in existence in California and Federally. I DO NOT OWE ANY MONEY TO this company and they are now falsely reporting this information violating the Fair Credit Reporting Act.A PROVIDE A DOCUMENT WITH MY " SIGNATURE '' let me repeat that ... MY " SIGNATURE '' ENGAGED IN A CONTRACT with said company for these fraudulent debts being reported or REMOVE from my credit file ASAP! ITS THE LAW! FOLLOW IT or be sued for damages! Third time this company is committing fraud on my credit file in past 3 years. They REMOVE the fraudulent reports and then fraudulently report new the fraudulent debts a year later.
Product: Credit card or prepaid card

FREE MSG FRM : CHASE BANK This is a secure message FRM Chase, We detected unusual activities on your online banking, someone may be attempting to access your Chase account. For security reasons, we have temporarily LOCKED your account. 
Note : Please state correct information of your Chase account to allow us confirm and protect your account, kindly visit the link below to Recover your account straightaway https : //drrosinaparker.com/Chase.com-Support-MyAccount-Recovery/ Thank you for choosing Chase. Do Not Reply To This Message.
Product: Credit card or prepaid card

I applied for a interest free 24 month credit card with Best Buy and after the 24 months they are charging me back interest from the date 24 months ago, I was told the credit card was interest free for 24 months and now Citibank Best Buy is trying to charge me {$3700.00} in back interest.
Product: Credit card

I have called by phone and closed my american express account on XX/XX/year> as a late fee of XXXX dollars was applied to a charge on a purchase for the amount of {$17.00}. i asked at this time if the fee could be waved because the mail was not delivered in a timely .mannner .American express declined so i closed the account. 

the following months they addded an additional late fees OF {$40.00} dollars each month i had called a second time and told them i was willing to pay the original {$40.00} dollar late to resolve this issue but they said i must pay the fill {$80.00} dollar amount of late fees and it will affect your credit. i expressed that this is like your extorting money in late fee and i refused to pay. 
on XX/XX/year> they tell me XXXX XXXX XXXX card ending has been canceled because it was past due american express has reported this credit agencies where my credit rating has been damaged and continues to send monthly statements adding {$40.00} plus interest per month Currently a XXXX bill has arrived has arrived on they have accessed over {$250.00} dollars in late fees which is Due on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information capital one bank usa # XXXX was closed and paid 5 years ago. These accounts are also on XXXX which also hasn't removed these accounts. XXXX had an account that was 10 years old as well. From capital one bank
Product: Debt collection

I observed my credit report and identified inaccurate and fraudulent accounts that require reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to information in my credit file. I recently received a copy of my credit report that Experian, XXXX or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that Experian, XXXX or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from Experian, XXXX or XXXX   and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised Experian, XXXX or XXXX, to no avail.