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

On XX/XX/XXXX, I deposited a second check from my husband 's job for {$330.00} through the XXXX XXXX Mobile Deposit  on the app. This was on a Saturday so my husband and I understood that the funds might not be available until the next business day, which was on XX/XX/XXXX. When the funds didn't come we thought there was a hold on the check since it happened to our first check we deposited through the ATM two weeks prior. Our account is fairly new, however no one verbally told us that all the checks we were going to deposit was going to be put on hold since it was a new account. I have a chase account and I have never had a problem with the account regarding depositing and receiving funds. I contacted the customer service number on XX/XX/XXXX and they told me that the funds were not going to be available until XX/XX/XXXX. I called again on XX/XX/XXXX asking what I could do since it was inconvenient for us to not have those funds. They explained that the funds were placed on hold until XX/XX/XXXX. I had another issues with an account overdraft because I couldn't deposit another check from my husband 's work since I had hit the mobile deposit limit. We didn't want to put in another check that was for {$440.00}, in fear that they would put the check on hold so we deposited it through XXXX XXXX and I went to XXXX XXXX on XX/XX/XXXX to clear those overdraft fees. On XX/XX/XXXX, I called the customer service number and tried to understand what I could do as a customer who needs their funds and they directed me to the bank manager. I talked to her ( XXXX ) and she said that I had to contact the company that gave us the check to see if it was cleared on their end. So I contacted the company that we received the check from and sent her an email with the statement. I called back to confirm that the email was sent and she said yes and that she would send it to Fraud management. I asked if I could contact them to let them know the situation and try to clear the check but she simply said no and that it would take until Saturday or maybe Monday for the check to clear. On XX/XX/XXXX, I called the customer service number in attempt to talk to someone about the status of the check hold and they directed me to the fraud department. The person on the phone stated that I got directed to the wrong number and that all holds on checks were with Risk Management, and that I couldn't contact them since only bank managers could. She apologized that I was told the wrong information and said that there is nothing they could do or I could do and that if my bank manager couldn't do anything then neither can anyone else in the company. She told me that I have been given the wrong information from both my bank manager and the customer service number. It's Saturday and my husband and I both need the funds since we are not in our area for the weekend and planned on using those funds for necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

My credit limit on XXXX credit cards with Synchrony were lowered due to a credit bureau pull they completed to under the amount owed or at the amount owed. This was a XXXX card and a XXXX card only that I applied for in order to help improve my credit. the XXXX card was lowered to XXXX and the XXXX card lowered to XXXX. They say it was due to items on my bureau? First, although they can adjust my limit at anytime per my agreement, I never authorized these bureau pulls. And since my husband and I gross over XXXX per year, and these were medical bills in dispute, when they are either paid or settled, will synchrony restore the prior limit? Also, how is this fair to consumers as now this has also lowered my credit score even more, as it now looks like the credit utilization for these accounts are at 100 % when before they were not. So they XXXX pull my bureaus and then also lower my score even more??? And these are on small cards? I could understand if we had a large reduction in income or debt owed with very high balances. But that is not the case. It was medical bills that were well under XXXX which is less than 2 % of our gross income?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed for a trial plan with Equifax credit monitoring service. Unfortunately I was out of the country over this past 4 days and had no access to my emails which gave me the information or alert to cancel my service. I returned last night, but was able to call this morning after receiving a charge for XXXX to my card, called their customer service advised them that I already have a service that I use and no longer wish to use their service and wanted my XXXX charge refunded I do n't want to use it for another month.. The service representative attempted to offer me service for half off .. I explained no I just want my money back and he said he could not refund me my money back.. Why would I pay for something I no longer wish to use? All I want is a credit back for this service.
Product: Payday loan, title loan, or personal loan

I called company to ask about lowering my interest rate so I do not pay them double what I took out because of high interest rates. I tried working it out but never agreed. I would like to cancel debt if possible.
Product: Credit reporting

I have collection from XXXX XXXX on my credit report. I send XXXX XXXX a validation letter and they responded saying that they have suspended all collection activity and credit reporting on this account. I sent the letter from XXXX XXXX to Equifax ( other XXXX bureaus already deleted it ) and Equifax responded on XXXX XXXX saying they verified the account. This should have been an easy fix and I am having to spend all this extra time during work hours trying to get Equifax to follow the rules and laws. My understanding is that if I have a letter from the actual collection agency that states they can not validate the account at this time therefore they are ceasing all collection activities then according to the FCRA, FDCPA and the Texas Finance Code, the credit bureaus including Equifax must delete the account. It seems thy are ignoring my proof and simply sending an auto generated letter to me. If they would have taken the time to read the letter I sent them from XXXX XXXX they would have deleted the account. I am requesting CFPB, read the letter I received from XXXX XXXX and then request Equifax to remove this from my credit file or ask them why they have not removed an account that is clearly not verifiable as there letter to me states. Thank you soooo much for your help.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. us dept of education acct # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX XXXX XXXX acctXXXX, XXXX XXXX acct:XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Credit card or prepaid card

X/XX/2018-X/XX/2018. Hello due to returns and online payments I was shown to have an available credit of over {$4200.00}. It said that I still had a balance due of {$140.00} but that never updated and posted correctly. I made purchases on the XX/XX/XXXX of {$280.00} at XXXX, {$370.00} for insurance, a little over {$20.00} on gas, and another {$17.00} on a video service. Now it is showing that I have an available credit of {$3100.00}. I spent close to {$700.00} not {$1000.00}. 

I have tried calling the bank multiple times and they said I could n't have credit over {$4000.00}, but I know what I saw. They also said they charged me {$140.00} even though that should have been paid off due to payments and refunds. They are always late when posting transactions so the available credit never seems to match up with balance allowing them to take extra money!
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the  attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.
Product: Mortgage

Please I understand that this might seem as a hassle but all these non profit organization are breaking the laws.. I was almost set up as a drowning.. due to someone adding XXXX XXXX to my webull account and he's no son of mine .. he is related to XXXX XXXX a XXXX head on XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX and I'm on XXXX XXXX XXXX TX XXXX was interested XXXX United States XXXX XXXX Myself XXXX Like they know who's at wrong why prolong it. Like I'll XXXX  and say to get results faster. It was from A XXXX XXXXXXXX XXXX XXXX transfer into a XXXX XXXX Bank I didn't do such a thing and no reason to myself and please they spent in XXXX lump sum. Arrest and convict these people
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/XXXX that hard inquiries have been made on my credit report from XXXX XXXX that I did not make. I had 2 inquiries on XXXX  and 2 inquiries on Transunion. 
I contacted XXXX on XXXX via phone and they informed me they could not do anything unless I contacted the companies which initiated the credit being pulled. I did not call Transunion on XXXX because their costumer service department was closed. 

Per XXXX request, On XXXX, I contacted XXXX XXXX GA which was one of the hard inquiries on my credit report and I explained to XXXX that I did not reach out to them to obtain new services that my credit report was showing occurred on XX/XX/XXXX. 
They reported that they would begin an investigation and reach on to me on XX/XX/XXXX. I then reached out to the second company, XXXX, that also initiated a Hard inquiry on my XXXX credit report. XXXX then asked me to reach out to XXXX XXXX of XXXX GA as that is where the request to pull credit had come from. After talking to the employee, he pulled up the file that was flagged as fraudulent and deleted it. XXXX also asked me to submit a dispute letter to them about the credit inquiry. 

I then moved on to my Transunion inquiries and decided to call the companies first since it seemed that the credit bureaus wanted me to resolve it with the companies. The first was XXXX XXXX XXXX XXXX XXXX and when I called them, there was no information the account and therefore could not give me any information that I could turn over to Transunion . I moved on to the second one which was XXXX ( XXXX XXXX XXXX ) and was connected to their department. They said there was nothing they could do and encouraged me to call Transunion and XXXX XXXX, where the inquiry had came from. I called XXXX XXXX and they said they had an inquiry online and that the bank denied it. The representative encouraged me to reach out to Transunion. 

I reached out to Transunion and all I got was basically " Sorry, we can't help you unless you get letters from all these companies saying that it is inaccurate. ''
Product: Checking or savings account

I made a substantial, large deposit of {$5000.00}. TD, at their discrepancy, held the funds for XXXX business days which caused a financial hardship. I was charged overdraft fees on my account XXXX, and I am now seeking reimbursement of {$170.00} of the overdraft fees. The money was taken from the account holder who issued the check within two days, and although the money was withdrawn, TD bank refused to release the hold and caused several overdrafts on XXXX of the accounts that I needed to transfer the funds. I am seeking reimbursement for the overdraft charges that I was charged to my account, XXXX. Reimburse {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX  : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX  : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX : XXXX The payment status is incorrect /High balance is in correct. 


6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX  XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Morning I received three copies of SoFi credit card past payment due letters. I disregarded the first two as a mistake. I checked my credit report today and saw amount past due. In the past I received several notices by US mail to apply for a loan from So Fi, which I did not. 

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

There is a XXXX XXXX  debt with account # XXXX & XXXX on my equifax and XXXX credit report along with XXXX XXXX XXXXXXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!
Product: Debt collection

I had a XXXX XX/XX/XXXX. Prior to my XXXX I met the family deductible and paid my outstanding deductible in full to XXXX Hospital. Approximately 3-4 months after my XXXX I received a letter from Americollect stating my account with XXXX was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from XXXX since I had my XXXX. Nor did they call us to try and reach out. We were n't expecting any statements from XXXX since I was paid in full for the year. The hospital apparently misapplied a payment that we made in XX/XX/XXXX to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until XX/XX/XXXX that we discovered this credit. XXXX has been taking from that credit and applying to each bill of hers for XX/XX/XXXX. XXXX never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. XXXX and Americollect will not help us get this resolved. I immediately filed a dispute letter XX/XX/XXXX when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with XXXX to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.