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

On the morning of XX/XX/XXXX, XXXX XXXX. I deposited a check for {$5800.00} and was told that I would have a hold placed on all but {$200.00} of this. That initial {$200.00} would be available immediately, but no later than the next business day. I received the paper that states why the hold was on there. It seemed fine. I go about, getting my bills paid. Suddenly, Im overdrawn the morning of the XXXX. I called and asked why theyd not given me the {$200.00} I was told. They said no reason. They extended the hold to the XX/XX/XXXX without a hold notice. Their paperwork I have shows that the {$4800.00} was to be released on the XXXX at XXXX. And the remaining {$860.00} would be released the XXXX at XXXX. However, they took out ALL of my funds and sent me into an overdraft. I am now paying late fees and double payments for every one of my bills because Bank of America had lied to me, and withheld my money ; now violating Article 12. Their {$5000.00} rule was invoked ; however, the additional rules state that that first {$200.00} must be made available within no later than the first business date, and the excess of that XXXX was allowed to be held until they confirm the check can be cashed. However, that was not the case. Three phone calls and Ive been lied to. One agent telling me that the {$200.00} would be available XXXX Friday morning. It was not. I am now paying a double phone bill that will soon be shut off because BofA has done this. The second phone call I made : I was not given a reason for the extended hold, and the redaction of MY money whatsoever. No notice of hold. I am now being spammed with email after email demanding I deposit cash into my account to cover the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card

I ordered an XXXX XXXX on XX/XX/XXXX for {$350.00} from XXXX selecting my Citi XXXX XXXX  month 0 APR Flex Plan from the XXXX XXXX. Ive used this method before for other purchases and there was never any problem. At the time of purchase I had XXXX ongoing plans and their limit is XXXX plans, and I had enough credit limit available. So I was definitely eligible for the new plan. Even now, on XXXX it shows that my plan was applied properly. I recently got my card statement and looks like Citi didnt make the plan for it like they usually do automatically for such purchases. I contacted their customer support and they said they can not apply the plan but I can create a new plan myself from their app. If I try to make another plan for that purchase amount in the Citi app, they add a whole lot of fees. Not the XXXX XXXX XXXX  months I was promised at all. I also reached out to XXXX and they assured that the plan was applied on their end and it was Citi that did not activate the plan on their end. This incident has caused great inconvenience for my monthly budget as I did not expect having to pay this on full right now or pay those unexpected fees if I dont pay that balance in full. Anyway, I still paid it on full to avoid incurring interest from carrying a balance, but I am not at all happy with how I got treated by Citi in this regard. Im never trusting or using their plans again.
Product: Mortgage

The line of credit, the mortgage and the credit card was fix and for 30 years, but a worker from Wells Fargo modified the terms, more than a year ago of my line of credit, I returned and talk to her again to asking why if my terms are for 30 years and she said that the bank can make any change they want, and from {$78.00} dollar I have to pay now more than {$190.00}. Monthly and the terms are that I will pay {$78.00} dollars until XXXX, then I will repay the amount finishing up on XXXX when my contract finish. Also they frizz my line of credit, and I can't make any transactions only make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

have a {$200.00} gift card from XXXX, and after I tried to use the card to purchase a money order the company immediately cancelled the transaction and blocked the card. I called the company and requested my funds to be mailed to me expeditiously via XXXX XXXX XXXX, and I was not able to get any confirmation on that request.
Product: Credit card or prepaid card

Bank of America is denying a claim ( dispute ) that I opened because my card was used. Bank of America closed my account and took my temporary credit back 2 months ago, I been calling the dispute department and they blocked my phone number, when I call from a different number that the one that I have on my account then they respond to my call after 3 hours waiting on the line. 
The claim number is XXXX, with the account ending in XXXX. 
Bank of America havent provide a reason of why they are denying my claim even that I asked them several times, the only thing that the letter says is that No posting error has occurred on your account, I got a call from somebody in the escalations department but I been calling her everyday since 2 weeks ago and I havent receive response either, Bank of America is playing with a lot a people like me since everybody is twitting their experience. 
This is not fair I need a reason why they denying my claim and proof over wise I will put a complaint with General Attorney about their scam practices.
Product: Debt or credit management

Was paying Lexington law for an extended period of time and did not receive any updates or any changes to repair my credit. Was overcharging me for assistance and the outcome did not show good progression.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax security breach. Per https : //www.equifaxsecurity2017.comXXXX  ( I input my last name, last 6 digits of my social security number, and completed the Captcha ) I am affected and would wish to file a complaint against Equifax and their security practices.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Try to pay off debt off by paying half and have remove from report they never got back in touch with me then aftrer a few months the calls starts they were very basty so i block them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX XXXXnaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.
Product: Credit reporting or other personal consumer reports

I have sent the required documents ( police AND FTC reports, images of DL & SS card, cover letter ) to Equifax FOUR TIMES over the past THREE YEARS in an attempt to get an extended fraud alert placed on my credit report due to ongoing identity theft, and not only have they not done so, when I call to follow up they blatantly lie / change the story with each person I speak to. The only consistent thing I've heard is that the person I'm speaking with is never the right person, nor are they able to connect me with the right person. The man I spoke with today literally said that extended fraud alerts are handled by a back office that doesn't have a phone number so he can't connect me, the only course of action he could suggest was to send the required documents a FIFTH time ( like that would change the outcome ... XXXX ). 

I have already placed fraud alerts with the other XXXX bureaus without a hitch, so I'm not sure why Equifax refuses to place it. In total, they have received a request XXXX for me and have failed to act. The XXXX additional requests have come from the other XXXX credit bureaus, because, per Equifax 's own website, " You only need to contact one of the XXXX nationwide credit reporting agencies ( NCRAs ) Equifax, XXXX or XXXX place a fraud alert. Then the NCRA will forward your fraud alert request to the other XXXX. '' This is completely unacceptable that Equifax is blatantly ignoring their duty to protect consumers ' information and there is no way for consumers to contact the " right person '' at Equifax to enforce their rights. They need to be forced to put direct contact info on their website for their extended fraud alert department, because supposedly the only way to contact them is via physical mail, and I've done so 4 times and they have yet to do their job and place the alert or follow up with me if there are any issues with my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023. I called Kohls in XX/XX/2023 to report that my husband was deceased and that I wanted the bill changed to my name. They said that because my husband opened the account, the bill had been addressed to XXXX XXXX, He and I both had a card I would have to reapply for the card and that I would have to reapply for a card and could no longer use the card until I received a new card. I received the bill and paid the balance off as I always did with this card. I tried to reapply for the car twice and the application did not go through. I went to the register to charge and told them the situation and they said go ahead and apply for card now. I did. Once again, the application did not go through. Each time I called them they said I did not receive a new card. 

A few months later, I received a letter from XXXX XXXXXXXX XXXX stating that my account was closed because I was deceased, I told them I was not deceased, They apologized and said to continue to use my card. 

In May. I received a letter from XXXX XXXX stating that my account was closed. I called them and they said that they had incorrect information that I was deceased. They gave me the number of XXXX to get more information on this wrong information about me. 

I ordered a report from XXXX. The credit report that I received today shows negative activity on my account, It shows XXXX  stating that I was deceased under responsibility. Also the XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX are listed in hard inquiries. 
I pay my bills on time, including paying the bills in full, and have rarely been late with a payment. My credit report from my bank is XXXX. I want this lie off of my report.
Product: Checking or savings account

On Tuesday XX/XX/2021. Someone fraudulently sent me {$1500.00} via XXXX  to my account. Upon calling chase to report this, they had instructed that they froze my account and that I can not withdraw or make any payments. I work for XXXX XXXX and I am on official duty and this has interrupted my ability to pay my rent as well as necessary fees. My transaction history does not show any interaction with this XXXX recipient and when I had asked the bank for this persons details in order to file a police report, they stated that they could not provide that to me. My account is now inaccessible and being that its my only checking account, this has led to financial setbacks. Please notify chase to release my funds and that Id like to close the account in order to avoid this issue from randomly repeating itself.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted Trans Union, XXXX, XXXX and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX Phone/Email/Letter ] Company representative XXXX XXXX XXXX ] Request : I request that you : 1. Immediately remove the unauthorized inquiries from my credit report.

2. Conduct an investigation into this matter.

3. Provide documentation supporting the removal of these inquiries.

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXXXXXX la XXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct my credit report
Product: Debt collection

Vericore keep harassing me personally after I asked them to cease from contacting me. We never used the XXXX product after paying XXXX XXXX XXXX  for it. They assigned an XXXX  XXXX to my account who never implemented anything nor did XXXX certify us as XXXX compliant. We spent over XXXX XXXX  for a product that we could not use due to it being XXXX. I have a complaint with XXXX. The XXXX  agreed with my request due to deceptive sales tactics of over charging me upfront when it was supposed to be quarterly and implemented. So I refunded money back to my account however XXXX wanted to charge XXXX for implementation  costs. This is what I received from XXXX below. XXXX is and XXXX XXXX that has became a burden with outrageous cost to implement which they are not honest. 
Vericore sent this to me personally with a threat against me. 
Actions taken during this investigation may include, but are not limited to, contacting the following : State regulatory and licensing agencies Banking and financial institutions Vendor and trade references Landlord, if applicable Local tax assessor office A field investigator may also be dis
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to two XXXX XXXX accounts and a lawsuit filed against me that has since been dismissed for want of prosecution ( DWOP ). Despite my efforts over the past three years to provide evidence of identity theft, neither XXXX XXXX nor the credit bureaus ( XXXX, XXXX, and TransUnion ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : 1. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which two XXXX XXXX accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to XXXX XXXX and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, XXXX XXXX refused to acknowledge the theft or resolve the accounts appropriately. 
2. Lawsuit Filed and Dismissed : XXXX XXXX XXXX XXXX  pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place. 
3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit. 
The excuse provided by XXXXthat the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.
Product: Checking or savings account

On XX/XX/2024, my checking account made a XXXX transaction for {$2000.00} to someone named XXXX. I only found out because I received an email from Chase to verify a transaction. I clicked no that I did not authorize this payment and the email said I have already authorized it. When I looked on my account, a {$2000.00} payment was sent to someone named XXXX XXXX XXXX. My Chase Sapphire card was also hacked. I had to close that card. Chase said that I have no claim because face ID was used to open my Chase app. I tried to tell them that my phone was hacked and I never sent this payment. They cant even locate who this XXXX person is. If you cant validate a persons XXXX  account, how can you say I sent this money? I need my {$2000.00} back because this is not fair. I did not authorize this money to be sent to anyone. If I cant trust my money in a bank, then what is the point of having money in a bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX, # XXXX # XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # N/A 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in a letter to Equifax, XXXX and XXXX  about these inquiries on XX/XX/2021 but I haven't heard back from them. I feel like they are ignoring me. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've also filed a FTC report for a second time because of this, and I really don't want to have to escalate it even more. Finally, I've included an anti-theft affidavit as supporting documents. Please delete these inquiries from my report immediately, or I will have to file for litigation.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX, I am submitting this myself this isnt under any influence nor from any third party. Transunion has been showing an inaccurate credit report for me in their systems. I have complained numerous times for them to fix the situation but the problem has not been resolved. I have tried to get this resolved because there is an unauthorized inquiry in my Transunion report from XXXX, XXXX 2023 from XXXX XXXX. Ive spoke with XXXX, XXXX and XXXX from the fraud department and I prefer to speak to a US rept but they refused they had me waiting for over XXXX min in each call. This is not how you treat an individual. This is unauthorized and should be removed due to Transunion reporting false information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, EQ, and XXXX  are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.