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

Chase Bank will not release the funds of the deposited check with no reason given. I deposited the check on the XXXX and was told the funds would be available on the XXXX like they always have been in the past. Today, the XXXX they send me an email saying the funds " should '' be available on XX/XX/XXXX but it could take longer. No reason given at all. I am not overdrawn, I have not had any fraud or problems with our account. I have never had a check bounce or anything like that. So I gave them a call. 

They claimed twice ( after two calls ), that XXXX XXXX XXXX have not released the funds to them which is false. I have confirmed with XXXX   XXXX XXXX that they have released the funds to Chase and have a cleared copy of the check. There is no fraud hold or anything else other than them refusing to release the funds to me. Even though they said that XXXX has not released the funds, they also added that they have 7-10 business days to release the funds. So basically they are now telling me two stories.
Product: Credit reporting or other personal consumer reports

I have connected XXXX on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. XXXX has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it. 

Consumer adjustment Co is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXX XXXX original balance XXXX is reporting multiple times on my credit report. It is reporting as XXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted XXXX and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

XXXX ... In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off my credit report.
Product: Credit card or prepaid card

On XX/XX/2021, I noticed an unauthorized transaction of {$120.00} on my Bank of America Credit card ending with XXXX. This transaction was done on XXXX ( reference # XXXX ). I immediately informed Bank of America regarding the same, as well as XXXX. XXXX confirmed that such a transaction was not made on my XXXX account. After a day I received an unsolicited product at my home consisting of 18 kitchen glasses, XXXX confirmed to me that the account from which this order was made has been flagged suspicious and they have suspended the account. They further asked me to keep or dispose of the product which was delivered to me ( but which I didn't order ), I even asked them that I can return the product if it helps in the refund process. 

After a month ( XX/XX/XXXX ), the fraud dispute was rejected by Bank of America, stating that " The merchant provided documentation confirming you received the merchandise or service ''. I explained my case again to the bank and they agreed to reinvestigate, parallelly XXXX told me that this would be handled by the bank. 

After reinvestigating ( XX/XX/XXXX ), the Bank has again denied my claim and its refusing to further act on it. XXXX ( as per my call with them on XXXX, XXXX ) is also not willing to resolve it even though they admit that its a fraudulent transaction, even though I told them that the product is still safe ( after 2 months ) with me and they can pick it back and process refund. 

So someone fraudulently used my credit card on XXXX but neither Bank of America or XXXX are resolving it even though I am willing to return the fraudulently ordered product. The attitude of Bank of America is totally against the Zero Liability that they are advertising.
Product: Debt collection

XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.
Product: Checking or savings account

Mobile deposit of checks from my XXXX checking account are rejected. Customer Service could not provide explanation. Message via Chime Help option not answered. 
In addition, two rent checks {$440.00} each were returned to the Rental Management as Insufficient Funds. 
Funds were available in the account to cover these checks. There were no holds or pending transactions. 
I had to withdraw funds from the account at an ATM to purchase Money Orders. This has caused additional fees, inconvenience and the XXXX XXXX will no longer accept checks for rent payment.
Product: Checking or savings account

I received a deposit and Capital One is holding my funds until I provide business documents which I have. The business is a sole prop under myself. 
Not to mention I have had deposits come to this account before and there was no problem. I have had this account over 2-4 years. Why an issue now?? How can they hold money like that knowing people have businesses. I have even processed business transactions because its my business account. Please help.
Product: Credit card or prepaid card

On XXXX lady called and was talking about a workshop and needed to pay a fee. 
Come to find out it was scam. I reported the case to Law enforcement as the EDI of California was being used. 

XXXX app phone is XXXX XXXX XXXX XXXX XXXX phone and fax is telephone is XXXX XXXX XXXX XXXX 3 cards were used with XXXX app who have a high security with XXXX  and banking a deposit to verify the identity. The refund was approved XXXX and XX/XX/XXXX but Vanilla Gift card - inccom is holding on it. 

This message was sent to the following 5 people : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. Replying to this email will notify them.Hello XXXX, Thanks for following up.Please note that when we concluded the investigation, we found out that you were eligible for a refund for each reported card. However after numerous attempts, each try gave us an error message. This meant that the card had issues which we can not control.Your case was closed as we didn't hear from you after a while we also can not keep a case open for too long. So since the case is closed, your only recourse is to dispute these unauthorized charges with Visa. Once these disputes are filed, these will enter our system and you will get your money back.Please let us know if anything is unclear.Kind Regards, XXXX & XXXX This message was sent to the following 6 people : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, Dispute Form Entry. Replying to this email will notify them.Hello XXXX, Thanks for coming back! There will be no action required from you since the dispute has already been filed with Visa. So what will happen is that Visa will give you the money back, you just have to wait for their advice that the money is on its way to you.Any information request or questions you have should be directed to Visa because you filed the dispute with them.Kind Regards, XXXX and XXXX Dispute Form received by Vanilla cardXXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, me, giftdisputes Hello, I received your dispute forms. Please send the full 16 digit card number of each card you are disputing.Or, you may send a photo of the front and back of each cardXXXX XXXXDispute Coordinator IDISPUTE RESOLUTION TEAM
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX * Account # XXXX XXXX XXXX XXXX * Account # XXXX - XXXX XXXX XXXXcount XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX  ) * Account # XXXX - XXXX ( original creditor XXXX ) * Account # XXXX - XXXX XXXX XXXX  ( original creditor XXXX ) *Account # XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX XXXX for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Experian is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Experian received on XX/XX/2020 and they still have not reflected the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back
Product: Credit reporting or other personal consumer reports

My student loans were transferred from Aidvantage to XXXX XX/XX/XXXX and ultimately forgiven as part of XXXX. I've received confirmation lettters and XXXX balance across all accounts ( XXXX, Department of Education, Aidvantage ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH AIDVANTAGE and XXXX are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with Aidvantage for almost a year, and it has been almost four months since my loans were forgiven under XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.
Product: Credit reporting

My social security was used to set up accounts. My roommate used my info to set up these account without asking me.
Product: Debt collection

Requested verification, validation and original contract with signature from ACIMA on XX/XX/2023, done was provided.
Product: Credit reporting

I am writing to file a complaint against TransUnion Credit Reporting Agency. I submitted a request twice for investigation XXXX XXXX XXXX account ( Acct Number # XXXX ) from my credit. I submitted enough information and TransUnion to carry out a reasonable investigation of my dispute. 
They did not investigate properly instead they used XXXX system. I submitted a letter from origin creditor in which stated that he will remove the account from third-party collections and instruct the collection agency to delete any negative information reported to my credit report file relating to this account. But TransUnion did not investigate this account thoroughly enough and keeps this account in my credit file. 
It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 
I may suffer damages because I rely on an accurate and complete statement of my credit record and demand that TransUnion remove the disputed items from my report immediately as They failed to comply with the law. Transunion Credit Reporting Agency must pay up {$1000.00} fine for violation of the Fair Credit Reporting Act. 
I am requesting your assistance in putting an end to this matter.
Product: Credit card or prepaid card

I am really disgusted with Capital One Bank the charges of $ XXXX has been reversed and then rebilled several times! 

I asked Capital to send me copy of XXXX XXXX SIGNED delivery acceptance receipt and all gone to DEAF EARS! 

For the 4th time request SEND ME COPY OF DELIVERY RECEIPT so I know who signed and took my package XXXX XXXX SO DISGUSTED with Capital One!!
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquires on my credit report I didn't authorize was a victim of fraud in the month of XXXX my purse and cell phone was stolen their was inquires from XXXX XXXX  and XXXX XXXX I never applied for on trans union and XXXX and XXXX
Product: Prepaid card

Tried using the gift card multiple times : Grocery store - declined XXXX - declined XXXX XXXX XXXX - declined XXXX - Declined Very frustrating and embarrassing when the gift card deos n't work on multiple occasions! 

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

hello XXXX reporting the discover and the radius account that its not mines discover states that its a charge off but still have been reporting past due payments radius dont belongs to me
Product: Debt collection

Mountain run solutions claims I owe a debt of XXXX for an alarm I never had with vivint smart home. I never signed an agreement with that company. But I did sign an agreement with brinks which was forwarded to XXXX to assist me with this company and remove them from my credit report.
Product: Credit card

Company closed account that was secured and in good standing. The security deposit was used to pay the balance when they closed it, there was a {$100.00} remaining to be refunded to me that has not been recieved
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my report i did not autorize Transunuion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recieved a call today XX/XX/2023 that someone used my infomation to attempt to get a credit card from Capital One. This is the 3rd time ( 3 differenct credit card companies ) that this has happened. My credit application status is locked with all three credit bureaus as a result of the first two attempts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX, XXXXXXXX XXXX  ) that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) As you can see it showing 30 days late twice on transunion and XXXX reports and reporting paid on time on XXXX report, this is inaccurate and should be updated immediately. Thank you.
Product: Checking or savings account

Card was stolen on XX/XX/23 and over the course of 12 hours 10 transactions occurred that were unauthorized from 2 stores totaling {$420.00} the next morning i filed a police report and reported my card stolen. The company ( chime banking ) did nothing except Deny my claim.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My mobile device no longer could get calls or make calls. I used another device to contact customer service only to be told by the representative that there was three calls placed, from someone identifying themselves as me. That individual took my phone number XXXX and transferred it to my daughters XXXX  XXXX. Took my daughters phone number and it became obsolete and then my phone was given another new number in its entirety. Which was XXXX. 

I asked numerous questions, I asked for security, they refused to give me any information. 

Of course immediately due to security reasons and lack of the ability to protect my privacy and the privacy of a minor child I terminated the contract with XXXX. 

This needs to be removed from all XXXX credit bureaus as it is affecting my score and ability to purchase a home.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX XXXX XXXX .I having a lot of issues with my credit report because I do have a XXXX brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the 3 credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please. 

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CAXXXX ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1900.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$520.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has not sent me any documentation whatsoever in relation to my dispute! This company is reporting incorrectly across the credit bureaus. High balance is showing incorrectly at {$0.00} and {$20000.00}, date of last activity is showing XX/XX/XXXX, XX/XX/XXXX, date of last payment. Per u.s code section 1681i ( 5 ) ( A ) treatment of inaccurate on unverifiable information. There has been no documentation and this list shows inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the ownership of an account with Experian XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.