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

I have been a Chase bank customer for over 6 years and recently had a few XXXX payments get reversed due to friendly fraud by a person I had a business relationship with. I am an active user of XXXX and have hundreds of transactions but after two of those transactions were disputed they have chosen to freeze my account for an undetermined amount of time. 

The total amount disputed was for around {$300.00} but my account had a balance higher than that. I do not believe its fair for me to have my other funds tied up for a long time for something that was not my fault. In addition, this freeze of my account has caused me to not be able to pay the credit card with Chase. They will not allow me to use the funds in my account in excess of the disputed amount to payoff the credit card. They will also not stop charging interest while my account is frozen. I can not even pay off the credit card because I can not access the online account. When I try to log on it just says my account has been suspended. 

If I had no other resources this would be an extremely inconvenient situation. It makes no sense to deny me access to funds that are entirely unrelated to the account suspension. On top of it, before i realized my account was suspended I deposited {$2000.00} at a branch. They took my money and when I went to go pay my credit card bill they told me the account was frozen and I could not have the money back. 

Please advise on what I should do to regain access to my money. I hope I don't have to pay any penalties on the credit card due to this.
Product: Money transfer, virtual currency, or money service

Attempted wire transfers to 2 clients who were Bank of America account holders. Wire transfer was rejected by BOA. BOA returned wired money less {$45.00} fee for each attempted wire transfer. I did not agree to this fee and am not a BOA account holder and have no deposit agreement with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit score from my XXXX XXXX XXXX  app and noticed it dropped 280 points. I read the summary under the score and it said, my revolving limits were maxed out and I had numerous late payments. All of which is wrong, I have 0 revolving account balances and haven't missed a payment in 9 years. I went to the bank, we went on XXXX XXXX XXXX XXXX. XXXX  and XXXX  were correct Experian wouldn't let me log in, it said my information was incorrect. After several attempts with numerous phone numbers and robo circles that went to dead ends. I finally was able to talk to someone and they referred me to someone else. Appearantly Experian mixed someone else 's info in with mine. How does that happen? How can my score drop 280 points over night and not raise a red flag with them? They said they have it cleared up now, but I am waiting for my hard copy of my credit report in the mail. I have been a victim of ID theft already and it was a nightmare. I told the guy, ironically enough while waiting for you I heard numerous ads on how you were protecting us and we could pay for more protection and here you are the one I need protection from.
Product: Credit reporting

I received a call, and my oldest daughter got a call on her work phone as well, stating that I owe a balance to this company and that they were going to report negatively on my credit report. I was told that if If I were to pay the amount in full, the Debt collector will remove the derogatory remark off my credit report. I asked what this debt was for and they said that they could n't give me any information on that. I asked if there was any way of contacting the original debtor and they said they could not help me. The only response i was getting is if I were to pay the amount in full I would ultimately get it removed from my credit and or I would set up payments to fulfill the amount. I am not sure who this debt is from, the collections agency sounds like it is a cellphone, they keep calling my cell and my daughters work phone number AND I do not know what this collection is for ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, Bank Affirm INC By the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I reported this account because of the unfair reporting of this. This medical bill was purposely reported as the original claim amount, not what was the balance after the insurance company processed the claim. Regardless of the bill being paid or not the amount of the bill was XXXX, with the new laws passed by President Joe Biden ( XX/XX/2023 ) all medical bills XXXX and under would be removed from credit reports. The only way it could stay is if the original balance was over 500.00 ( and that is what they did ). With this being said the company LRS should not have access to any information from my insurance or medical information. This violates HIPPA! There for the original amount of the procedure and what my insurance paid should not be provided to anyone. The fact that they intentional reported the wrong original balance to keep this on my report is wrong. This is unfair practice of debt collecting, and its wrong. The bill original amount, after the insurance processed it, was XXXX. I have the explanation of benefits. When a medical office bills an individual it is what you owe after insurance.
Product: Debt collection

I am submitting this complaint on behalf of myself. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A 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 adverse item of information other than records of convictions of crimes which antedates the report bemire 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX. XXXX XXXX XXXX XXXX. {$4700.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX  ) XXXX {$390.00}
Product: Checking or savings account

To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding the unexpected suspension of my account with HSBC USA on XX/XX/2023. I was not provided with any specific reason for this action, and to the best of my knowledge, I have not engaged in any activities that violate the bank 's policies or terms of service. 

The error code provided to me is XXXX. Without any clarity on this code or the reason behind the suspension, I am left in the dark and deeply concerned about the status of my account and the funds within it. I kindly request an immediate review of this matter and a detailed explanation of the reasons behind the suspension. 

I understand the importance of security and compliance, but I believe that transparency and communication are equally essential. I hope to have this issue resolved promptly and expect the bank to rectify the situation without further delay. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this complaint, is because Equifax has repeatedly failed to address my concern and are acting in negligence. An account reporting on my Equifax credit file by the name of XXXX XXXX XXXX has been disputed numerous times for lack of validation. I have asked Equifax to conduct a reasonable investigation to which I receive automated responses stating that the account has been verified. See attached Confirmation # XXXX I have reached out to XXXX  XXXX XXXX to resolve this dispute to no avail. My last attempt was dated on XXXX XXXX where I made a request to XXXX XXXX XXXX to validate the debt. I never got a response. 
Letter sent on XX/XX/XXXX to Equifax to investigate the fraudulent account XXXX sent on XX/XX/XXXX to Equifax to re-investigate the fraudulent account Letter sent on XX/XX/XXXX to Equifax to request how the account was verified. 
Letter sent on XX/XX/XXXX to XXXX XXXX XXXX to validate the debt. Never got a response. 

I have done my due diligence to reach out to the creditor and Equifax, but I have yet to see any form of validation for this debt/account. If this complaint does not resolve my request, I will move forward and file a claim in the XXXX District Court of New York.
Product: Checking or savings account

This complaint comes forth as I am in a no win situation that has me very confused. On XX/XX/2021 Suntrust bank placed my account in the process of closure pending review by The Loss Prevention Department, the confusion comes forth as I never reported any transactions fraudulent nor do I have any lending products from Suntrust or any of their partner entities. I currently have over {$30000.00} dollars on hold and all my pending bills and daily transactions were reversed without specification or timeline of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. The US department of education has balances of {$13000.00}, a {$7500.00}, a {$6300.00}, a {$4000.00}, a {$930.00}, {$3500.00}, {$1100.00}, {$1200.00}, {$3800.00}, {$1600.00}, {$5100.00}, {$6200.00}, {$3100.00}, {$4000.00}, and {$3400.00}. These account were posted on my account without my legal consent that is granted by law and these things are affecting my credit score.

15 U.S. Code 1681 2. XXXX XXXX wasnt given permission to access my credit report either! XXXX XXXX has a balance of {$740.00} on my report and I didnt give them permission to post to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans back in XX/XX/2022 which are now with XXXX, and Experian has repeatedly kept XXXX of my student loan accounts for {$10000.00} as still in collections and default. 

I have disputed this account XXXX times since XXXX and provided additional supporting documentation which was used to resolve the status of all my other student loans, but they refuse to correct the error on this one. I filed a dispute in Last XXXX 2022, XX/XX/2022, and again XX/XX/2022. I have called them twice as well without success. 

XXXX XXXX documents link will not work, and they have kept my account in the investigation status so that I cant dispute it again or add additional documents. They have incorrect and outdated lender contact information as well. 

I have since lost my job and my security clearance. I need help.
Product: Credit reporting or other personal consumer reports

transunion These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit XXXX looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 

XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX {$710.00} XXXX, XXXX, XXXX -- -closed -- XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX bank {$1200.00} XX/XX/XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX  Bank {$1000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022
Product: Credit card

XX/XX/year>, I spent 23 mins on hold to inquire how to payoff and close my BofA credit card. I was told they would notate my account to be closed, and that I could payoff and close at a branch location.

I went in person to obtain a cashier's/ bank check out of my checking account, which the issuing bank advised were guaranteed funds as they came out of my checking account immediately. I then walked into a BofA branch, applied the funds toward my credit card to payoff the balance in full. The branch representative advised they were not able to close the credit card, and told me to call the customer service phone number on the back of the credit card.

I waited on hold for 45 mins to speak to a representative. That person refused to close the credit card as the payment was pending, and told me I would need to speak to a specialist. He was unable to connect me to the specialist at that time, and advised me to call back. 
It is now XX/XX/year>, and the funds are still in a pending status on my credit card. That means BofA has had my money for the use of the institution for two days without actually applying those funds toward my account.

I've spoken to three different representatives, at three different times, and they have refused to close my account, even though they took my money.
Product: Credit reporting

Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to Transunion XX/XX/2015.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the request of investigation my wife and I sent to Equifax on XX/XX/XXXX. Over 60 days have passed, and they have not responded. They are supposed to respond within 30 days.
Product: Credit reporting

I was actually in a treatment program for XXXX in XXXX, Ky which I successfully completed. We were told that we could go to the school of XXXX in XXXX and the cost would be covered since we were in the XXXX program at the XXXX XXXX in XXXX, KY. I have successfully completed that program and have been XXXX for over eight years. I just want to get this debt off of my credit report at all XXXX agencies. Any help you can give me would be greatly appreciated. 
Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financials changed my account number which caused my banks autopay system to not be able to send a payment as it had been for 3 years, the bank admitted there was a glitch due to the change in my account - BMW financials received a full payment 20days late- they reported a LATE on my credit report which dropped my FICA score 120pts but refuses to remove the late after they requested a letter from the bank would correct the issue and were sent proof that the late payment was not due to my negligence but their actions and the banks mistake. BMW financials still has not responded to me nor corrected their credit reporting. There is no contact info. To reach out to them & they have caused financial damages for me due to this issue. They were mailed letters and there is a history of 40 months of perfect on time payments with the exception of this one time ( which was caused by the change in the account number they issued ) and they refuse to correct their mistake.
Product: Credit reporting or other personal consumer reports

I submitted information to Transunion that my student loan has been paid off. This is a very old account, 20 years, always in good standing. I complained they had the balance wrong. There was a {$22000.00} payment in early XXXX and the balance was paid/canceled in XXXX. They vindictivly removed the ENTIRE account and 20 year history because I made the complaint. They made me lose more than XXXX points off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Walmart, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

BEEN SEEING THESE INACCURATE REMARKS FROM MY ACCOUNTS IN MY REPORT, THESE ARE SUCH A STRESSFUL THING FOR ME, THESE ARE CLEARLY FALSE.