23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I got my income tax return check. A cashiers check. I deposited into my chase checking account and they informed me that they were holding it for ten days due to information from the issuing bank OR information that they have on me. 
I called the bank and they referred me to another person who could not tell me WHY they were holding my check for so long. I wasnt. A new customer. I had had my account for several months already. All they could tell me was that the system has put a hold on my funds and because the system automatically put the hood even the president of the bank cant over ride it. They couldnt tell my WHY. They claimed that the system automatically selects random checks to put on hold. I cried on the phone to them asking to just release a portion. Its a tax return check. They lied and told me that the issuing bank told them that the funds would not be available until the 13 ( 10 days away ). The issuing bank told them this is what they claimed to me. So I called the issuing bank and went through the check verification process and their process deemed my check valid and good. Then I called back and got a hold of a human and inquired about whether they said that they told chase bank the funds would not be available. Their statement to me was it is illegal to issue a check and not have the available funds, we do not operate like that. I am afraid your bank isnt being up front with you, I would suggest you speak with them and ask to speak to a supervisor. So I called Chase bank back and told them what the bank had said to me regarding writing a check with out funds. They didnt know what to say. All they said to me was that they cant do anything that I have to wait for the check to clear for 10 days. No resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX BANK XXXX, XXXXXXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX 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.
Product: Credit reporting or other personal consumer reports

I've recently reviewed my credit report and I've noticed numerous inaccuracies. There's numerous inquiries that weren't authorized or initiated by me. I've also noticed a public record reporting that shouldn't be on my report. Court systems don't report or verify information with credit bureaus. These items need to be removed from my report immediately. I'll attach letters of proof and a FTC report as well. This is an invasion of privacy and simply fraud. 
FCRA 605b 15 USC 1681c-2
Product: Money transfer, virtual currency, or money service

Hello, I'm trying to use the tradin program call Coinbase. They ask for my driver license to verify de acount. since I send to them the correct information they keep my account under verification and it's impossible to trade with any currency. 

My wish is to verify my account and start working with the cripto coins. 

Thanks to listen. 

Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fraud I gave no consent and have no knowledge of this report. 

Capital One auto finance - XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraud never applied for any card and no knowledge of running my credit. 

XXXX XXXX XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. 

XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX- XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX  - XX/XX/XXXX Fraud I gave no consent and have no knowledge of this report
Product: Credit card

On XXXX XXXX, 2015 I was booking tickets on XXXX XXXX web site when I was presented a pop-up, that offered a {$50.00} statement credit if I opened a Case XXXX credit card and charged the XXXX ticket to the new card. After several calls to both XXXX and Chase, which resulted in agreement that I should get the credit, followed by letters that state I did not follow some undefined procedure, they claim I am not entitled to the credit. I am still waiting for an explaination of what I did wrong, because the folks on the phone ca n't telll me.
Product: Credit card

I've attached documents for your review. Please initiate an investigation into accounts reporting late payments, despite my consistent on-time payments.
Product: Bank account or service

I HAVE A ALLY BANK ACCOUNT DID A DEPOSIT IN THE SAVING ACCOUNT .I HAVE A CHECHING ACCOUNT TO. THEY PUT THE MONEY IN THE ACCOUNT NEXT DAY BUT PUT A HOLD ONTHE FUNDS TO MONDAY I WAITING UP TO TRANSFER THE XXXX TO CHECKING AT XXXX DID NOT HAPPEN LIKE IT SHOULD THEY ARE IN PA SO IT WOULD HAVE BEEN XXXX AZ TIME .THEN INSTEAD OF PULLING THE XXXX FROM THE SAVING THEY PAIDED AND GAVE ME A XXXX OVERDRAFT FEE. I CALL IN TO GET THE FEE REMOVED AND PAY THE XXXX THEY TURNED IT DOWN. I WAS GOING TO CLOSE THE ACCOUNT. SO I DONT HAVE ALLY BANK PROBEMS THEY PUT HOLDS ON FUNDS TO MAKE MONEY OFF IT SO I CANT GET MY MONEY. I CALLED ALLY WAS TOLD BY CUSTMER SERVICE AS LONG AS I DONT HAVE XXXX TRANS ON SAVING I WOULD NOT BE CHARGED FOR COVING THE XXXX DOLLLARS FROM THE SAVING. MONDAY THE XXXX WAS THIER SO I PULLED IT TO MY ORTHER ACCOUNT KNOW TUESDAY THEY PUT A BLOCK ON THE ACCOUNT SO I CANT GET THE MONEY.AD THE TRAS I PUT THOUGHT WITH MY ORTHER BANK WILL OVER DRALL THE ACCOUNTAGAIN AND GET A NEW XXXX FEE. I REPORTED TO OCC CASE # XXXX AND THEY SENT TO FDIC CASE # XXXX THEY SAID TO REPORT THIS TO YOU THEY DONT KNOW WHAT OFFICE CONTROLLS ALLY BANK!
Product: Checking or savings account

I have called repeatedly at all hours to get customer service on my XXXX XXXX. Wait times always in excess of thirty minutes. Failure to staff properly is unfair and abusive.
Product: Checking or savings account

XXXX XXXX in XXXX or XXXXXXXX XXXX with XXXX XXXX in XXXX and others connected to our wall outlets are stalking me over my XXXX  money and money from doing online surveys in the wall outlets robbing me through the walls. I've had fraud alerts, identity theft and had changed banks more than once that I owe money to because of them. XXXX lady XXXX XXXX in XXXXXXXX XXXX charged XXXX and XXXX 's in XXXX  to my XXXX XXXXXXXX XXXX account and put her name on my bank with her phone number pretending she was me when it was my bank account committing identity theft and then there was a few others that I don't have the names of that I reported to Chime a long time ago. I can't get them to stop. I just had an alert from Someone in XXXX trying to charge some unknown charge to my Chime bank account. I don't know these people obviously. They are a bunch of convicted felons robbing people through the wall outlets and in person. They send food deliveries and packages to other people 's doors playing around with us. They did it to me multiple times to XXXX XXXX where I need to get a XXXX XXXX XXXX I've had my XXXX and XXXX apps hacked, multiple phones hacked. I had an iphone XXXX stolen last year. XXXX XXXX told everyone I have money and then they were doing all kinds of stuff to me through the walls and I lost a lot of money from XXXX XXXX and XXXX  and XXXX. I didn't get my money back when I reported it to them. XXXX XXXX denies everything when he's sitting in the wall outlets and stalked me from XXXX to XXXX XXXX with XXXX XXXX who got a lot of people plugged in our wall outlets violating everyone 's privacy. They caused a huge race war fighting through our wall outlets every day of the week and haven't been arrested yet. They keep calling police back saying I'm a liar when I'm not lying about anything that they did when they're put virtual reality, plug splitters, connectors, tracking devices, motion control sensors, thought readers, and other stuff in the wall outlets disturbing the peace day and night partying on XXXX and XXXX  in our walls threatening to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in Florida with XXXX fighting over everything including my XXXX XXXXXXXX card. I owe over {$8000.00} in debt now.
Product: Money transfer, virtual currency, or money service

I've had my PayPal account closed and my balance of {$18000.00} has been frozen for 180 days. I have not been provided with a reason for this by PayPal. They limited my account on XX/XX/XXXX and requested documents from me. I provided these documents on XX/XX/XXXX. There was also a request for an explanation of the use of my account, but before I could respond to this, I received an email saying that they have closed my account. They did not allow me to provide an explanation of the use. 

I use the account to send money to my friends, as well as with my casino accounts where PayPal is an option in the cashier. 

I haven't broken any of their terms as far as I'm aware and they haven't told me what I've done to cause this to happen. I can't believe it's legal for them to take my money away. Can you please help me.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed this inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. They've failed to remove and or investigate properly.
Product: Credit card

I received an email from Bank of America notifying me of a significant debt. In XX/XX/year>, I visited the bank to close both my checking and credit card accounts, which had already been paid off. I informed the bank representative that I was leaving the U.S. for an extended period with no plans to return soon. After a few months abroad, I was surprised to start receiving bills via email even though I had closed everything. I called the bank for assistance, and they said they would investigate. I provided proof that I had closed the accounts and left the country before the charges appeared. However, they later informed me that they couldn't determine what happened and denied responsibility. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was XXXX XXXX XXXX and didnt understand how credit works. I was a co signer to my aunt who passed away due to XXXX. She was admitted to a hospital in a different state the car company wouldnt let me get the vehicle because I didnt have a license. She paid every month on time intel she passed away in XXXX. By the time I received a letter it was already too late to save the car.
Product: Checking or savings account

On XXXX I wrote check number XXXX for {$100.00} to XXXX XXXX. On XXXX it was cashed as check number XXXX. On XXXX it was cashed again as check number XXXX. I first called US Bank on XXXX. I was told I would receive paperwork I never received. I called again on XXXX and spoke to XXXX. I was told it was a double posting and I should see the money in my account in XXXX days. On XXXX I called a third time and spoke with XXXX and XXXX. I was told a fraud case was opened and I would receive paperwork in the mail. I never received the paperwork. On XXXX I went to my US Bank and met with XXXX. I was told it appeared both a double posting and a fraud case were opened. Both times more information was requested by the company, although no one requested more information from me. Both times the requested information was not received and no one followed up or contacted me. On XXXX I left a message for XXXX wanting to know where the case stood. I received a message back saying it was being worked on. On XXXX I returned to US Bank and spoke to XXXX who opened another case and said the money should be in the account within XXXX days. I then asked to speak to the manager, last name XXXX, and requested the money be placed in my account now while they continue to investigate. I was told that was not possible as " debits have to equal credits! '' and told I should see the money in my account in XXXX days. I don't believe them anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what XXXX is. I asked XXXX XXXX to send any documents pertaining my signature because I wanted to see. 1.  First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't  verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that XXXX is discriminating me by forcing the account on me. 5.  Someone used my social security number to open up this account. 5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against XXXX XXXX for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, Experian must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " XXXX XXXX, is : XXXX XXXX, From XX/XX/2018. XXXX  Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and XXXX, transunion and XXXX  failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. XXXX, transunion and XXXX  are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, account name XXXX account number XXXX. 

XXXX account number XXXX. 

XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX  XXXX {$24000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX bal. {$7700.00} XXXX bal. {$120.00} XXXX bal. {$720.00} XXXX bal. {$35.00} XXXX XXXX XXXX {$270.00} XXXX XXXX  bal. {$350.00} XXXX bal. {$960.00} XXXX XXXX  bal. {$1100.00}
Product: Credit reporting or other personal consumer reports

These matters involves credit cards companies. I was involved in a credit breach. My personal information was exposed online, and has affected my report. The names of the companies on my credit report are Home Depot- amount for XXXX. This company has sold my information to another company regarding this account, and I did not give them permission to do so. The law 15USC1681 states that I have the right to privacy. The same situation occurred with XXXX XXXX in the amount of XXXX, XXXX XXXX in the amount of XXXX, Amex/MacyXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, American Express- XXXX. Im requesting that all late payments, and negative comments be removed from these accounts.
Product: Money transfer, virtual currency, or money service

Robinhood stock trading app, XXXX XXXX, XXXX XXXX, and other platforms have stopped allowing purchases XXXX stock. There is apparent collusion going on between hedge funds with short positions on the stock and trading platforms to prevent the price from increasing further. We're in this moment because hedge funds like XXXX shorted XXXX to XXXX percent which might be illegal. Seeing this, and seeing that XXXX XXXX had taken a stake in the company sentiment quickly grew that XXXX was undervalued and a short squeeze was imminent. Thousands and thousands of retail investors have bought in over the last few weeks and now we're at a critical moment because the hedge funds will need to cover their shorts soon and will send the price even higher. Various news outlets are in a campaign of villifying retail investors for causing this situation but the the origin was XXXX being shorted XXXX percent with naked shorts which imply infinite downside risk. However, XXXX XXXX doesn't believe they should be allowed to take responsibility for their actions and shouldn't be allowed to lose. So now they are changing the rules of the game half way through, and preventing retail investors like myself from benefiting by colluding with trading platforms to prevent buying the stock. This is undemocratic and is active class warfare.
Product: Checking or savings account

I open a new account with navy Federal bank and the approved me then a couple days after they put a hold on my account bc they say another bank I'm guessing they talk about XXXX XXXX XXXX which thet account was open in my name without my knowledge in another state I have been fighting this for months and there is still a hold on my account