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

I deposited a State income tax refund check from the State of Arizona Treasury in the amount of {$3600.00} on XXXX XXXX XXXX the branch manager said because it is from the Treasury department the funds should be available the next business day. 

I did a mobile deposit and now Chase is saying it's on a 10 day hold with no justification why.

All my deposits to chase have been placed on a 10 day hold. I can deposit checks with a different institution and it clears in a day. I'm not sure why Chase is violating federal laws on deposit hold.
Product: Consumer Loan

I took out a loan over the phone with XXXX/Delbert & westernsky for XXXX at a monthly payment of XXXX a month but after 6 months they said I still owe XXXX and they also put it on my credit and they are not even license my husband had past a way and that left me in a bad financial burden but I did pay them what I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account that I had with my credit union was paid in full. 
Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately. 
I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX. 
I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report. 
I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back in XX/XX/XXXX
Product: Credit card

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / {$3300.00} XXXX - XXXX / XX/XX/XXXX / {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX / {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$930.00} XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$1100.00} XXXX - XXXX / XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / {$8700.00} XXXX - XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  / XX/XX/XXXX / {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / {$2400.00} XXXX XXXX - XXXX / XX/XX/XXXX / {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / {$9100.00}
Product: Credit reporting or other personal consumer reports

Good day. Please read this complaint seriously. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.
Product: Credit reporting or other personal consumer reports

disputed the accurcy of the information being reported is inaccute and doesnt belong to me accourding to statement the company made no vercation to origal creditor was made and this account is not verifed
Product: Credit card or prepaid card

Hi & How are you doing? Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. Late on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX??? 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Mortgage

I had acquired a construction XXXX about a XXXX ago for property address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX for the builders XXXX XXXX to build for me. XXXX passed & no draws were taken from the XXXX, FCI Lender Services, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The lender did not want to continue as time had expired & were asking closing costsof {$20000.00} which I accepted. But then I receive another invoice on which {$94000.00} were added. I called the XXXX & was told that they will look into & come back in XXXX. They never responded. So I sent an email on which they responded that I had requested the draw & they showed their memo but no proof was given that I requested & that wire was sent for that amount {$94000.00}. This is a false claim and a scam by the Lenders. I need help please I am reaching XXXX years of age, XXXX XXXX  XXXX & this stress has increaded my XXXX XXXX XXXX nights. I need help desperately please
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Money transfer, virtual currency, or money service

My cash app account was placed on hold XX/XX/XXXX today is XX/XX/XXXX due to an information subpoena and restraining notice and I was told to contact the creditor which I have done and no agreement was reached. I have contacted cash app to release the funds due to my contact with creditor and its been over a year so when will this hold be taken off my account and my funds released to me. I again ask that the hold on my cash app account be lifted immediately due to contact was made yet due to my not agreeing with the terms of the creditor the hold is still on my account. When will the hold be lifted
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 XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 not supposed to 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 or other personal consumer reports

I am a XXXX XXXX  with an excellent credit history. For 3 straight months my FICO score was a virtually perfect XXXX. 

I then paid off an auto loan with XXXX XXXX. During the term of the loan there were no late payments, no late fees, no problems whatsoever. Nothing but timely payments month-in and month-out. 

As such, XXXX helped me obtain the Pink Slip for the car and then reported to TransUnion that I had successfully paid off the loan. Again, there were no late payments, no late fees, nothing but timely payments month-in and month-out. 

TransUnion responded by lowering my FICO score by XXXX points. 

So, I called TransUnion and spoke with two representatives, including a Supervisor who manages disputes, too ( he said ). Both representatives confirmed that TransUnion lowered my FICO score by XXXX points because of XXXX 's report that the auto loan was successfully paid-off. Both representatives also confirmed that I could not appeal Transaction 's decision. In effect, that TransUnion cares so little about the action they took that under no circumstances would the company review what had taken place. As such, my only recourse is to appeal to you. And please let me be clear : I will survive the lowered score imposed by TransUnion ; my personal circumstance is not the biggest concern. The biggest concern is that TransUnion 's system is broken, and you must intervene on behalf of all responsible consumers.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by CITI. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred XXXX shib tokens to my coinbase account instead of my connected coinbase wallet by mistake and Ireceivedaconfirmationemailfromthemthattransactionwascompletedsuccessfully. Since then I've opened over 50 support tickets and submitted around 7 complaint forms in addition to over 60 emails requesting help. I don't see tokens transferred in my account or my wallet and wanted them to confirm that they see them and that I haven't lost them already. And I always asked them to move tokens from account to wallet internally so I can continue investing. Most of the time they never responded to me and in the very few times they did, they would lie and say a specialist is reviewing your account but nothing happens and they never inform me of the review results. I've put all my savings in these tokens and I'm suffering every day worrying about loosing my tokens and money. Coinbase has no way to be reached by chat or phone to talk to a real person and they keep contact via support tickets which they never care about in reality. They don't care about their customers needs, questions or concerns and completely ignore them. I need your help please resolving this issue for me and a lot more of coinbase customers. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters on XX/XX/2023 to Experian, XXXX, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ACCT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with Equifax as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the XXXX and have not been reported as late so I am unable to understand the problem.
Product: Mortgage

BSI Financial has refused to remove XXXX XXXX  XXXX from my account. 

I submitted an official appraisal report on XX/XX/2021 indicating that the market value of the property had increased to {$610000.00} - meaning my equity had surpassed the 20 % threshold. 

I was told that XXXX would be removed within 30 days of submitting the official report/appraisal. 

I have contacted the company via phone, email, and messaging system at least 3 times since to follow up and have the XXXX  removed and associated charges refunded. 

They have never responded and the customer service associates are unwilling to connect me with the underwriting team directly to sort this out.
Product: Mortgage

I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its XXXX year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basically a bait-and-switch tactic and misleading in order to get me to call for a loan and charging me for something else at a higher cost than advertised.
Product: Debt collection

I SENT A CERTIFIED LETTER ASKING FOR VERIFICATION FOR A COLLECTION ACCOUNT NAMED XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, IN THE AMOUNT OF {$390.00}, THEY ARE REPRESENTING XXXX THIS IS REPORTING ON MY CREDIT BUREAU 'S AND IT WAS DELIEVERED AND SIGNED FOR BY THE COLLECTION COMPANY ON XX/XX/18. I HAVE NEVER RECIEVED ANY TYPE OF VERIFICATION BACK NOR HAS A NOTICE OF DISPUTE BEEN PLACED ON MY CREDIT REPORTS. I WANT THIS COLLECTION ACCOUNT DELETED PERMANTELY WITH THE ORIGNAL COMPANY AND THE COLLECTION AGENCY. THEY ALSO ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. THIS IS A VIOLATION OF THE FOLLOWING : -NOT REPORTING ENTIRE ACCOUNT NUMBER IS A VIOLATION OF SECTION 609 OF FCRA , SECTION 623 ( A ) ( B ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 )  BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
Product: Credit reporting or other personal consumer reports

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

I want to emphasize that this complaint is not a MISTAKE. My credit report has inaccuracies that are not assured to be the maximum possible accuracy that is not allowed under the law which protects me as a consumer. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


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

To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by the following company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Specifically as it relates to credit inquiries that I did not authorize, made by the attached company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto sales sold me a car that stop working in 4 days i paid cash for a car couldnt fix are repair they gave me the run around for the XXXX XXXX XXXX  i waste time, money and was stress out about it please help