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

Fifth Third Bank Indiana. I deposited a check Via Mobile deposit on XX/XX/XXXX. On XX/XX/XXXX at the end of the day I noticed the funds were still not available although I was told they would be available on the XXXX. There were no notices in my documents that told me there was an extended hold. So I contacted customer service via the online chat and they told me there would be a hold and then the letter mysteriously appeared after I called at the end of the day. On XX/XX/XXXX, they told me my funds would be available on XX/XX/XXXX. Then today, they told me there will be available on XX/XX/XXXX but the letter says XX/XX/XXXX so I don't even know when I'm going to get my money. This is completely unacceptable. 
Furthermore this hold is bogus. None of the reasons by law are applicable. It's not a new account, I haven't bounced checks, I'm not overdrawn. 
The check is drawn off a XXXX XXXX XXXXXXXX account. 
I've written multiple checks off this account for higher amounts that have never had a hold put on them. Now they are telling me that they received information that the check might not clear. Well I don't know what information this would be because I have never bounced checks there, I've never stopped payment so I don't think this is valid either. They're holding my money hostage for bogus reasons. This also completely unacceptable and it is going to cause me to incur late fees. I made plans based on the date of XX/XX/XXXX provided to me. Now that is a mess. Their holds are nothing more than a XXXX shoot. I'll be closing my accounts when and if they ever release my money. Who would be okay with random holds. They would not give a specific reason either.
Product: Mortgage

Since the transfer of our mortgage from XXXX XXXX XXXX to Shellpoint in XXXX 2016 we have received and continue to receive inaccurate mortgage statements claiming that we are overdue on our mortgage by {$4800.00}. This false claim can easily be corrected if Shellpoint would simply tell us what payments they believe we missed. However, despite our efforts to acquire that information they simply ignore our efforts to provide us that information so we can get this lack of accounting corrected. Since the inception of our loan modification under XXXX to current with Shellpoint we have made all of our payments which are substantiated by our XXXX records. At this point we have no other option but to enlist the help from your Consumer Financial Protection Bureau.
Product: Money transfer, virtual currency, or money service

In 2020, the IRS contacted via mail stating that I made XXXX through Paypal account. I spoke with paypal and asked them to confirm that I made that amount that they told me that I have never made XXXX through paypal nor has that amount ever passed though my account. They provided me with a letter via email as well as my transactions from 2020. However, the IRS informed me a second time that Paypal confirmed with them that I did receive XXXX through paypal. I am not receiving the same information that is being reported to the IRS and believe that my personal identity was used to create a paypal account that I do not have access to or am aware of. There have been damages because of this as the IRS has begun taking my income taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$190.00}.
Product: Vehicle loan or lease

So I get a loan from the credit union that I'm with mountain America credit Union for the vehicle the pain on the vehicle going on close to 2 years now I got insurance on it and maintain insurance on the accounts so if I ever get laid off or whatever they turn the insurance on and they'll stop the payment so not to go bad on my credit so far 18 hard inquiries on my credit report between XXXX and mountain America credit Union which there were the ones who recommended experience to me they have dropped my credit down from a XXXX to a XXXX now that I'm trying to pay the loan off I paid close to {$6000.00} they say that I've only paid three they're giving me problems with the title I have the money to pay off the vehicle loan but they don't want to transfer the title over to the dealership which they're going to add the loan on to it reason why the vehicle that I bought is no longer it's deemed it's deemed non-drivable basically you can't register this vehicle in the state of Utah or any other state it is to be destroyed as soon as I traded in the bank would get their money plus all the interest they've accumulated on me which is a lot and that would close that account I'm needing them to give me a personal loan so I can do this deal so that I can turn in so that I can get the title and turn in my title for my new car to them to hold us collateral on a personal loan because it was times that I was late on a payment say I didn't pay the payment on on XXXX that means I make two or three payments on XXXX and they still did not give me credit for it experience still to this day says that they have not seen any credit any payment history I paid off two loans I've been standing good in with chime I've been up to date as of now to my on my payments and my credit score is still going down because of these two companies the credit union and XXXX working together they have all my accounts they have all my information everything is set on auto pay on like I said the only time that I was late on the loan I paid it twice the next month I'm not showing any credit for it then I give me any credit for the payments that I'm making I want to file this complaint I want to seek legal action to see why is it that they're telling me that they're not able to help me now after 2 years that they've been taking money from me I've had direct deposit in there and now they're telling me they can't help me and now I'm going to lose this Federal funded granted money that I got through the XXXX XXXX XXXX XXXX and I'm going to lose it and be without a vehicle and they mind you I've been paying this vehicle for 6 months now that it's not been drivable and now that I lost my job and I'm collecting unemployment they don't want to help me so I want to report this because I don't think it's right I'm going to get legal action to find out more but this is the first step from here
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXX/XX/XXXXXXXX
Product: Vehicle loan or lease

After being in the XXXX for 3 months and getting out explaining the situation with the company they still illegally repossessed my vehicle. I told them about the laws that our state had in place to protect XXXX victims and they still proceeded to repossess the vehicle. They also reported false information and a false address on my credit they never notified me of anything pertaining to the vehicle until after they took it and all my things. All my personal belongings is in the vehicle. I paid {$2500.00} pre payment to allow me some time since I was having a XXXX not knowing I was going to stay longer due to XXXX. Everything that they were saying about this company in the lawsuits are correct they changed my vehicle price and loan information to be feasible to them. The money orders my XXXX and identification is in the car along with other valuable things. Still to this day I have not received notification that they have my vehicle. In Georgia they must notify customers within 10 days via certified mail for repossession and I was not even supposed to be repossessed. Horrible customer that tries to get over on everyone. Their business is about to go down forever for the wrongful business they have been conducting. A
Product: Debt collection

Citibank is suing for time bard debt and every time I file a complaint with the CFPB they respond that it is in pending litigation which is actually my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.
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 debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just received my credit report and noticed that you are reporting this account incorrectly. This Late payment history is reporting the following months inaccurate, For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not paid at all But for EquiFax it shows everything is paid up untill the month of XXXX XXXX XXXX XXXX it shows a closed account with no credit history. This is inaccurate credit report, According to the FCRA, I have the right to an accurate credit report, Please remove this Account immediately from my credit report. Please provide me copy of my new credit report reflecting this account removed upon completion thank you
Product: Debt collection

I was incarcerated since XXXX, and recently released in XXXX, me and my childrens were victims of identity theft and this is XXXX of the accounts that was open. 
SYNERGETIC COMMUNICATION {$XXXX} Last reported on XX/XX/XXXX I am asking that this be removed from All XXXX credit beareaus because I am a victim of identity theft and this should not be on my credit considering I have no knowledge of this account
Product: Credit reporting

Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : TRANSUNION : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across inaccurate accounts on my credit report today, and I have no explanation for their presence. As part of my routine, I checked my credit report, only to find errors that appeared suddenly. I attempted to refresh my browser, hoping it was just a system issue, but the discrepancies did not disappear. Because of this, I kindly ask for a detailed review of the documents I submitted to ensure this does not remain a concern for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XX/XX/XXXX- Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment . Account now current. Request was made to remove delinquent items which were added without my consent.

Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 additionally states that a consumer reporting agency can not furnish account without my written instruction. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I request all delinquent items from XX/XX/year>2024 to present be removed from credit bureaus in accordance with above articles and in accordance with the rights granted to me therein.
Product: Credit card or prepaid card

I have contacted Kohl 's and the credit bureaus regarding the reporting of my accounts. When I last retrieved my credit report, I noticed that Kohl 's last reported my payment history in XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my XXXX  report and XX/XX/XXXX on my  XXXX  report. I reached out to Kohl 's and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Kohl 's. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXX furniture. The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXX  Now. I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXX  now in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXX Now to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the XXXX  XXXX XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher XXXX Im not trying to make excuses but around that same time my mother was diagnosed with XXXX  XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of my finance background wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Checking or savings account

I have been calling three different numbers XXXX, XXXX and XXXX since last week. I even called early this morning just to avoid any traffic. NO ONE picks up!!!!! The app and website went through a so-called upgrade and honestly it doesnt seem that way because why cant I f easily locate where to access and download my statements??? Thats 's all I wanted to do since last week, but neither the app, the website nor the useless FAQs could help me. The option is not even there!!! Unfortunately this problem is not the first time Ive encountered it - I need my statements ASAP!!!!!!!
Product: Debt collection

I received a letter from Mountain Run who purchased a debt from XXXX/XXXX. Mountain Run Solutions says I owe XXXX and the account number is XXXX. I never had any such account with this company. I did a bankruptcy 2 years ago. I have since sold my house and never purchased any brinks account. If I had purchased from them it would have been included in my bankruptcy. I know I never had an account with either company. They also failed to send notice of debt, before going to debt collection agency.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer, and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files. Please investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, please UPDATE TO PAID AS AGREED AND COMPLETE ERRONEOUS DATA POINTS within my consumer report. 

ACCOUNT : XXXX XXXX XXXX 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. I have attached the erroneous account ( s ) in question. This account ( s ) needs to be UPDATE TO PAID AS AGREED AS I WAS NEVER LATE FOR THIS ACCOUNT AND UPDATE ERRONEOUS DATA POINTS due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. Please CHANGE TO PAID AS AGREED AS I WAS NEVER LATE FOR THIS ACCOUNT AND UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. Thank you for your rapid response in this very important matter, XXXX XXXX.