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

I deposited a check through the atm and received a message that the funds may not be available until the next business day. 

I checked my account in the XXXX on Wednesday morning and it said the check has cleared was reflecting on my ledger balance but not my available balance. When I would look at the actual check it said clearedwas no longer pending and had no information about a hold. 

I assumed it would change my available balance so I left for XXXX ID  to be with my husband in the hospital. 

I called the back at XXXX XXXX and was then informed they were holding a portion of the check. I asked why I was not notified and they told me they didnt have to notify me any more than the atm receipt. 

They informed me they were holding the check until the XXXX. I asked If they are holding the check why it doesnt say pending. The woman kept laughing at me and being snarky when I would bring up laws. She then mocked me and said those who have actually studied the laws I do not appreciate being mocked and put down she assumed I was uneducated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX Ga XXXX RE :  Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this has been a on going matter for over a year, ally financial still has not sent me verification, debt validation, audit trail with bank statements providing that they lending any monies for said loan. two affidavits XXXX rebutted which stands truth in commerce. cease and desist that i had filed but still reporting to consumer reporting agencies which is still a form of communication. IRS states any account charged off is considered income and income can not be reported as debt and i have never received my 1099-c for the charge off.
Product: Debt collection

Upon reviewing my credit report i noticed TWO DUPLICATE accounts that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? XXXX XXXX XXXX needs to IMMEDIATELY furnish me with a medical release form or remove these accounts. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.
Product: Debt collection

On XX/XX/XXXX I reached out to my then property management company XXXX, a.k.a XXXX XXXX to renew my lease. My family was living in " student housing '' that also rented to no students. Because the previous lease I had was specially written, I trusted the information that the management companies representative gave me. She sent me a lease with just my name on it and told me that my husband was a co-applicant in the system, and encouraged me to sign because they only had 1 4-bedroom unit left for the following year. I did sign believing what she said. I then called her because something didn't sit right with me, because of the property being a rental I did not want my husband or children evicted if something happened to me. While on the phone she said that a guarantor application was being emailed to me, which was a lie because I have access to his email he never received, nor signed anything for a the lease of XXXX. We met with XXXX XXXX on XX/XX/XXXX, who acknowledged that XXXX was incorrect and they were able to issue leases identical to the one we signed for XXXX. All she had to do was contact him and he would have contacted legal. He also acknowledged that my husband would have no rights to the apartment if anything were to happen to me. We were sent to collections for the entire amount of a lease when we never lived there, we were out before XX/XX/XXXX, and that unit was rented out, so they did not lose the full amount of the unit. We did actually drive by and speak to one of the students that lived in that unit. They also sent the 2 different bills to the collection agency and filed the collection as a joint account for the XXXX lease which is was not. I asked for XXXX the area manager to contact me which he didnt. But I do have the XX/XX/XXXX conversation that he admitted that his representative XXXX was wrong and she did lie about the lease to make her sales numbers. XXXX can look over our payment history and see that we always paid our rent on time, and they never had to threaten eviction and we did comply with the term of the lease that was issued and signed correctly.
Product: Checking or savings account

I deposited three checks to my Citizens XXXX Checking account, written from myself from my home equity line of credit via XXXX XXXX. I called into Citizens multiple times noting this was the only method of transferring funds from my HELOC. The checks cleared the day after depositing from my XXXX XXXX HELOC - I called Citizens and even stepped into a branch with the checks ( XX/XX/year> ), with proof of my HELOC account in an attempt to validate the checks and verify proof of funds. There were holds placed on two of the checks, which were supposed to expire on XX/XX/year> and XX/XX/year>. I attempted to access my account on XX/XX/year>, and found that my account was frozen and restricted. When I called customer support, I spoke to three different departments to get clarity on why my account was frozen. I was told I would need to wait for a physical letter sent to my address for next steps. I called support and called a branch and told them I needed to access funds as my direct deposit from my job is also fully allocated to this account. I was told my account is inaccessible for withdrawals and debit card for purchases. I've made multiple attempts to verify the legitimacy of the checks both over the phone and in person. They froze my account even though XXXX XXXX  successfully cleared and posted the checks and are now holding my account hostage. This feels predatory- I would like immediate action/clarification on why Citizens Bank hastily froze my account and refuses to provide any solutions.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 Equifax started harassing me for an IRS consent form 4506 C it was stated that they were doing this on the behalf of a request from XXXX XXXX XXXX. I had several times requested that they stop sending me information to my email because as we all know our accounts are constantly getting hacked. When discover was unsuccessful, they enlisted the assistance of Equifax, which means Im sure they requested other information from Equifax that Equifax had. That is merely speculation. However, when I called and attempted to verify and gather information with Equifax, they were extremely resistant, and had me on hold for 47 minutes. I was not able to get a straight answer from the employee at Equifax, nor would he transfer me to someone who spoke English as a native tongue. The employee stated his name was XXXX. Finally, I hung up and have not pursued this. I would like CFPB to investigate this particular practice from Equifax. I find it distasteful and invasive.
Product: Credit card or prepaid card

I am a XXXX old American Express card holder. on XX/XX/2021 I received an email and mail notifying that I was pre- approved for a Hilton Honor Amex Card at 0 % for 18 months.

I open the Credit card the promotion was given to me. I just received my second statament this month and they started charging interest. 

I called several times and the representative hang up on me one time. In the second time she told me that the never guarantee interest rate. Amex is misleading and targeting XXXX customers like me. This is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX  have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Student loan

I was informed via email a few years ago that my loan from Great Lakes was not able to be paid on - due to the fact that they were transferring all of their loans to Nelnet. 

After several months of not hearing any further information ( or having a way to make payments to the company ) I received an email from Nelnet stating that I would need to start paying on my loan again. 
Nellnet was unable to provide me with any information or records about my original loan amount from Great Lakes. I do not recall the exact amount of the loan from Great Lakes, however, I DO know that it was not this substantially high amount that Nellnet is asking me to pay. 
Due to the fact that I had no option to make a payment for several months while the loan was being transferred to a new company, I disagree that I should have to pay any interest accrued in that time. 
I also believe that Nelnet should be able to provide me with accurate records from Great Lakes- which they have not done.
Product: Debt collection

I called in to get a debt validation of item listed on my credit report, 1st rep disconnected my name after given her my name and 2nd rep transfer me to someone voicemail.
Product: Debt collection

Today, XX/XX/2020, I received a credit alert from XXXX  regarding KLS Financial XXXX XXXX XXXX XXXX, NC XXXX, placed an account in collections as derogatory. I DO NOT have an account with these people and never have, I havent been to North Carolina in 25 years. They falsely claimed a debt belongs to me and am insisting that I pay it or else. I did NOT give this company my social security number. I did NOT sign anything. They found it from someplace and am using unfair and fraudulent practice to collect on this debt. I spoke to Mrs XXXX and XXXX XXXX who are insistent on reporting this debt as mines unless I pay. They are messing around with my credit and social security as well. According to XXXX  today XX/XX/2020, Someone called to dispute my charge yesterday on XX/XX/2020, however, I didnt find out until this morning, leaving me to believe they are playing around with my social security number that I did not give them. They must have looked it up. They should not be allowed to place an account in collections if they can not prove the account belongs to that person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Debt collection

This is the second company attempting to collect from an account paid in full from XXXX XXXX. Debt was paid in XXXX. This could have easily been verified by looking at my credit file. Companies buying old debt and NOT verifying if its paid should be illegal. As they are illegally attempting to collect something that has already been paid, thus committing financial fraud.
Product: Checking or savings account

XXXX at XXXX I was cld by phone by XXXX XXXX from XXXX XXXX for a loan and it was apprvd, he sent a link to my phone to registration and the website looked just like the real XXXX, there a field for bank info and I entered my login and pass to WF since he said he was going to make XXXX deposits in my account to verify and I wld get a text msg with a security code, I gave him both codes then I read the last sts mobile deposit made, I immediately logged in to the WF portal I noticed the monies were moved from the accounts and I hung up and urgently cld WF fraud and explained, we chngd user and pass and got new ckng account I was told not to mess w the deposits and they would cancel out after the investigacin. claim XXXX REF # XXXX the account had {$1700.00} but rep said deposit were XXXX the ckng had the rt bal of {$3400.00}. at XXXX I ckd my account it was XXXX now XXXX duplicate charges and deposit all accounts were now negative at XXXX I spk to XXXX rep who by XXXX still didnt have a clear answer the claim # and ref # I gave the rep said were no good since they dont make notes on acct from dept to XXXX XXXX rcvd email that due to all the moving of monies and bounced XXXX on the acct they froze XXXX acct and I will be dismissed as a client after XXXX loyal, I cld and said I DID NOT MOVE THE MONIES but all were by XXXX reps and I askd for a mngr told there was none several times until I reached. XXXX who said he was the top mngr of fraud and claims REF # IOSEHNR he went XXXX each acct and by XXXX and XXXX questions I was told the acct wld be fixed again and monies put back, The XXXX was to be {$180000.00} at XXXX the account was NOT fixed but now close to XXXX XXXX all the deposits and monies moved in add to the other XXXX accounts now being negative.I cld and was very rudely told that there was nothing lft to do and it cld take XXXX I broke out in tears I am a single mother of XXXX I have no cash no way to get any money due to XXXX XXXX and acct XXXX. I am out in DESPERATE I had no help nor answers from 3 days XXXX and wasted hrs on the phone. This is the worst exp I have EVER had.I hope this email reaches someone that has some empathy and can help make the situation right and I can get access to the XXXX that is due.It is now going on XXXX and no response other than my account is froze and will be closed when XXXX is the XXXX that moved monies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I checked my bank account and realized that there were several unauthorized Wire Transfers ( {$4200.00} and a couple others ) and one XXXX transaction ( {$990.00} ). I called my bank ( Wells Fargo ) immediately. They informed me that these transactions were initiated from my mother 's account who has joint ownership of my account because I had opened this account when I was a minor. They said that they would start a transaction and that the Wire Transfers had not been fully processed, and because I had called them in time, all the wire transfers would not go through. They said the XXXX transaction had gone through but they would work to recover it. All of this call is recorded somewhere at Wells Fargo ( but not on my end ). I was skeptical so I asked them to confirm at the end of the call that the XXXX Transfers would not go through at all and they confirmed this. 

They helped me reset the username, password and account number for both my and my mother 's account. 

On my new account number, the XXXX transaction and one Wire Transfer ( {$4200.00} ) popped back up as " Pending ''. I called again on XX/XX/XXXX saying that the Wire Transfer should have been stopped. They assured me that it was normal and the investigation was ongoing. 

The Wire Transfer then went through despite being promised that it would not. XX/XX/XXXX they have completed their investigation. I called for the 4th time. Wells Fargo told me they were not able to recover the funds from the bank it went to because the funds are no longer there. They have not investigated any further, and have not looked into what banks the funds went to after that last transaction. They said due to their terms and conditions, they would not be taking responsibility for any of the lost funds.

Wells Fargo was deceptive in telling me that the Wire Transfer wouldn't go through and was negligent and did not reach out proactively to freeze the bank account that the money was being transferred to and also did not follow up down the chain when the money was transferred out of that account. 

XX/XX/XXXX I called XXXX XXXX  ( the recipient ) as well to see if they would help at all. They said they would start an investigation and call within 24 hours. 

I appreciate all and any help that you can give, thank you!
Product: Debt collection

IN REGARDS TO CONN CREDIT CORP XXXX. XXXX  XXXX XXXX TX XXXX I HAVE DISPUTED THIS WITH THE XXXX AND WHICH THEY CONTINUE TO SAY IT IS VERFIED AS ACCURATE WHEN I HAVE PROVIDED PROPER DOCUMENTATION TO BOTH PARTIES THAT I AM A VICTIM OF IDENTITY THEFT AND I HAVE NEVER HAD A CONNS ACCOUNT ARE APPLIED FOR ANYTHING WITH THEM. IF WITH ALL THE DOCUMENTATION THEY ASKED ME TO PROVIDE THEM THE BUREAUS HAVE NOT FOLLOWED THE FAIR CREDIT REPORTING ACT AND REMOVED THE FRAUDULENT ACCOUNT FROM MY CREDIT FILE AFTER IT HAS BEEN PROVEN THAT IT WAS INDEED NOT ME WHO OPENED THE ACCOUNT OR OBTAINED THE GOODS.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$92.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a date breach with XXXX XXXX.I am not liable for this debt, I do not have a contact with XXXX XXXX XXXX, nor do I owe them any money. They did not provide me with the original contact as I requested several times. I am not liable for this debt, I do not have a contract with XXXX XXXX XXXX, nor do I owe them any money. They did not provide me with the original contract as I requested several times. I have attached below a copy of my FTC Report
Product: Credit card or prepaid card

Fraudulent credit card was opened and charged up to XXXX that I never received used or entered into a card member agreement for an account o be opened on my name with pnc bank. This account is fraud and I plan to escalate this matter to court if needed. Account number XXXX
Product: Mortgage

hello, my name is XXXX XXXX, I have a loan with XXXX, XXXX XXXX who is the lender, and, Select profolio is the servicer. I have reached out to XXXX in the past and I was told they no longer service my loan, however I should reach out to Select portfolio, when I reached out to Select profolio, they told me that XXXX XXXX is the lender. I need to know who the lender is on my loan and how I can reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the Capital One account opened on XXXX XXXX has violated my writes. 
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 a account without my written instructions.
Product: Mortgage

I have submitted a requested a mortgage modification with financials to Caliber Home Loans. I have a 1st and 2nd mortgage with them. My interest rate adjusting out frequently has put my family in a hardship, I have requested a fixed rate mortgage payment. I was recently denied because they stated I have excessive debts. The only debts I have is my mortgage payment. This is incorrect information my income does allow me to pay a mortgage payment. I feel I'm being discriminated against because I'm XXXX I want to keep my home. Please Help!!!!!!!!