23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive called numerous of times and days just this month alone wait over 2 hours every time to speak to a supervisor. To remove UNAUTHORIZED inquiries on my credit report. Let me start by saying how rude and unprofessional these representatives and supervisors are. They directed me to call these companies that the inquiries are attached to that I have no idea who they are to get a deletion letter which I did and each company has told me that they do no such thing that TransUnion has the responsibility of removing the inquiries if they were not authorized by me. I called again and they was trying to school me on how inquiries work as if I dont know and said any credit company have the authorization to look at your credit report I couldnt believe he actually said that. I said without my permission? And he tried to say I didnt understand him which I did. If these calls are actually recorded please look into them! I need these unauthorized inquiries removed immediately.
Product: Checking or savings account

Hello, I have been dealing with not having information provided to me since the beginning of XXXX. Here is what happened : I have an account with another bank that I would transfer money between to but money into my SOFI account. My other account with another bank was paused given that my card was stolen. I was unable to get into my SOFI account and was not aware that the reversal deposits were happening. I went into my SOFI account shortly after sorting out my other account, and saw there was a hold on my account. I called customer service and they told me that because the reversal deposits happened, my account is under investigation and can be closed. I never received a phone call or notice about this, and was completely XXXX sighted. Every person I have talked to are not able to provide updates. This started in the beginning of XXXX and its XX/XX/XXXX. That is a RIDICULOUS amount of time to wait for updates. SOFI still has all my savings, and they said they would send a check once the investigation came to a close. I never got a call about the investigation being closed, only when I called to get an update is when I found out they were closing the account. It would be XXXX thing if the reversal deposits were due to insufficient funds. Then I would understand closing the account. But the reason why the reversals were happening was because of my account With another bank had to be paused given that I did not have my card and it was stolen.

I have read about these same issues and multiple people have said that their hold was lifted no problem. So Im not sure why my account has been closed when I have had no issues in the past. Reversals without my knowledge and I received no notification, email, phone call, nothing.

And the fact that SOFI still has my money in my savings and hasnt sent a check is ridiculous. They said they would send it after they have decided the account has been closed. Well one person told me that it was being closed and another person told me the investigation is still going on. So what is the correct answer? As a customer- this is a very stressful and unfortunate situation.

The phone call I just had was someone saying they are waiting for one more reversal made on XX/XX/XXXX?? Then once they see that payment is done and made they are closing- I dont understand why this is taking this much time. And the fact that they are closing my account with no notice beforehand with the reversals happening is so frustrating. And the fact that my savings cant be accessed and I dont have the check yet is completely unprofessional. This has caused additional stress that I do not need to be dealing with. And the fact that every person I have talked to never had answers and all they told me was the investigation was still happening is just ridiculous. 

I suggest my account be looked at again and opened back up. And I would like a higher up to contact me immediately. 

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

I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that Navient would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from Navient has a 90-day late payment as of XX/XX/XXXX. I called Navient today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I had {$4700.00} stolen out of my business checking account with Chase Bank through the XXXX app. I have deduced that a hacker got into my laptop and then into my bank account. Once in my chase bank app and into XXXX, the hacker created a new XXXX recipient- XXXX XXXX- and sent that recipient {$4700.00} via XXXX. Chase has investigated this case XXXX times, each time denying that this is fraud because the IP address is consistent with my usage and there is no evidence of multiple efforts to get my password correct. I have repeatedly denied authorizing this transfer of funds, yet Chase continues to refuse to refund me, claiming there is no evidence of fraud. Essentially Chases finding is calling me a liar and a criminal - if my report of theft is not true then arent I trying to commit fraud? I have been robbed via the XXXX app and Chase needs to refund me since I did not authorize this transfer of funds.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitals Ones failures to deposit my direct deposit from my employer and other income deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are being upheld. Thank you.
Product: Checking or savings account

called and disputed transaction amount of XXXX from XXXX, i never got items, however after 120 days they sent me a letter stating the temporary credit was permanent, however the amounts was pulled back out of my account, so it was taken out, reversed and applied back into my account and the actual merchant took it out again, and i still dont have the products, also i attached email to wells fargo showing they sent me the wrong tracking number and the new one showed delivered however i never got the products, the investigation took longer than the 30-60 days and i am out of my money,
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to Discover Bank Account # XXXX On XX/XX/, I wrote Discover Bank a letter informing them of their inaccurate reporting of an account on my consumer reports. Discover Bank is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Discover Bank ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Discover Bank ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Discover Bank for the cancelled debt of {$6000.00} in order to file as ordinary income. Where is my 1099-C Discover Bank is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Discover Bank has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX XXXX. I didnt have a choice as this was a dire situation. Anytime you have a XXXX XXXX emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I already complained about this inquiry. 

I wanted to send you my copy of my Identity Theft report. 

This complaint is not a duplicate.
Product: Debt collection

I sent a HIPAA Validation request letter to Syndicated Office Systemst for a medical debt reporting on my credit report, to which I never received a response.
Product: Payday loan, title loan, or personal loan

Tile loan was paid off XX/XX/XXXX and I have not received title for trailer. 
When contacted they stated they did not have title. 
DMV contacted and stated Lendmark was lien holder on title and has not released lien. 
Lendmark contacted again stated they did not have title that XXXX never sent it back in XXXX. 

I just want title for vehicle that has been aid off since XX/XX/XXXX it is now XX/XX/XXXX. 
Unable to sale due to no title and lien holder still on title. 
Lost income due to financial institute.
Product: Checking or savings account

On XX/XX/XXXX I checked my Po Box and there was a debit card in there from Citibank. I contacted them immediately to figure out what was going on. I told them I had never had any deals whatsoever with Citibank and most definitely never opened a checking account with them. When I called I found out that there was {$660.00} in the account. I was told that they had the account closed down and to contact the ID theft department but they were closed that day for the holiday but if they needed anything they would reach out to me. All I was told about the account is that it was opened online. And that they had been seeing a lot of fraud accounts where people were opening fake accounts and having the unemployment funds put into the account. They would not tell me where the funds came from. Today XX/XX/XXXX I again checked my Po Box and there were checks for the account. I called the ID Theft number they had given me and they were even more unhelpful then the first time I called. I have had to place a freeze on all three of my credit bureaus because of all of this. I have asked to file multiple complaints with no one seeming to take this seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My father opened an account with Barclays and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.
Product: Debt collection

I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
Product: Credit reporting or other personal consumer reports

Theres no information being reported to my credit card with XXXX  XXXX ending in XXXX as of XX/XX/year> with XXXX  and equifax on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, Equifax, XXXX they also have records and files the is wrong.
Product: Money transfer, virtual currency, or money service

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, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I wish all monies reported to be returned.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXX/XX/XXXXXX/XX/year> XXXX
Product: Credit reporting

I have a hard inquiry reported on my Transunion credit report from XXXX XXXX XXXX XXXX. My children have savings accounts with this institution but I have no dealing or accounts with this bank.I have not, at any point, authorized any credit inquiry on my behalf from this institution.
Product: Mortgage

I purchased my home in XXXX, at XXXX. Upon receiving my 1st statement, PMI was included at {$530.00} a month. I did a modification, and the loan has been sold 7 times, my balance is now XXXX. I am paying {$900.00} a month in PMI. I have been trying for years to have the PMI removed. My payment is almost XXXX a month. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit today so I could get a home home and I noticed these erroneous accounts that are listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Bank of America Account Number : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I used PayPal to send {$5800.00} to a friend in Canada ( on XX/XX/2021 at XXXX XXXX  XXXX XXXX, but my friend only received {$7000.00} CAD instead of the {$7300.00} based on today 's exchange rate. When I called PayPal to confirm that there was not an error the first customer service rep told me that the exchange rate had changed in the hour since the time I had sent the transfer. I called back about 10 minutes later and got a different customer service rep who admitted that PayPal charges a 3 % fee plus a separate cross border fee to send money from the US to Canada. These fees WERE NOT disclosed when I transferred the money, or I would have paid them up front so that my friend received the full amount that I was sending. PayPal did disclose the 1.5 % fee to use a credit card, which was added to the total that I was charged. However the 3 % fee and the cross border fee were paid by the recipient and did not show on my receipt from PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name, personal information etc was stolen in a fraudulent scheme from a hotel establishment, and cloned. I havent applied for or drive mortor bikes, etc. i can not get the correct identifiable information for the accounts listed because the customer service representatives tell me the information i give then dont match with the accounts on record.
Product: Debt collection

On XX/XX/XXXX i received a letter from XXXX XXXX stating that i owe {$87.00} to creditor : XXXX XXXX. from an account back in XX/XX/XXXX. 

I called the creditor XXXX XXXX  and ask about the account and they said that i paid the account in full and nothing else was needed. Costumer Rep sent me an email stating that my account was pay-as-agreed and nothing was sent to collection services. 

Therefor i called CCS, they asked for my file number stated in the letter from them and to verify my address and name. Informed them that i called the creditor and ask about the account debt, and that i have received a email from the creditor stating that the account was payed as agreed. CCS asked me to sign up on their website for a " email services account '' to show them the email from the creditor
Product: Credit reporting

In XXXX XXXX, I enrolled in XXXX Debt Relief. In XXXX XXXX, XXXX followed their policy and charged off my account in XXXX XXXX. In XX/XX/XXXX XXXX, I received XXXX XXXX from XXXX canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all three credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Identifiable Event Code ( Box XXXX ) listed on the XXXX, XXXX has marked a code of " XXXX '' Instructions for filling out a XXXX states the following XXXX Decision or policy to discontinue collection. XXXX XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but XXXX says I still owe the monies for these cards. Based upon the Identifiable Event Code, XXXX has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid. When discussing the results of my case dispute, I was told the credit bureau utilized the response of the creditor without question, no matter what my argument was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got an alert from XXXX on the XX/XX/XXXX that MONEYLION flagged my account or marked as charged off with this particular loan account which I hav never took out. The date of the said loan was on XX/XX/XXXX. The loan was cancelled already. I cancelled immediately when I applied for that. The customer service on chat even confirmed me that indeed the loan was cancelled l. It shows a balance if {$150.00}. I filed a dispute already but according to their credit report dispute department the credit report was accurate. It doesn't make any since there was actually no existing loan and it has been voided. It lowered my credit score for more than 25 points. I filed a dispute from XXXX as well.
Product: Mortgage

I submitted a RMA. The decision was in my favor however I disagree with the calculations. I asked to discuss this with underwriting and filed an appeal. I was denied access to underwriting and was told by a rep in the home retention dept that my appeal was denied. Denial reason was that underwriter calculation always uses a yearly wage calculated by hourly rate for a 40 hour week year round. I submitted verification of 5 temporary layoffs that are a standard work at my company. The underwriting dept refuses to use this information