23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XX/XX/XXXX.  I have never received an updated report from Equifax or XXXX concerning these matters as of XX/XX/XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least 3x with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : EQUIFAX : XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX : XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX-XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX XXXX I ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX , IL XXXX
Product: Money transfer, virtual currency, or money service

I was able to purchase Bitcoin  though cash app for investment purposes .I filed a compliant 2 weeks ago and im still unable to send the Bitcoin where I would like it to go. My friend did it the same day and time and hers went though and mines didn't. So I would like to resolve the issue.
Product: Payday loan, title loan, or personal loan

I started receiving e-mails where someone -- not me -- was applying for a credit loan using my identity. Balance Credit proceeding with underwriting and the process to open a credit loan ( I'm not sure what type exactly ) under my identity. It appears the scammer proceeded all the way and is in the process of submitting back account verification. I did not apply for this credit or loan. I did not consent to anying doing so on my behalf. The business may also conduct business as SunUp Financial , LLC d/b/a BalanceCredit.com ( Balance Credit ). 

I e-mailed the XXXX e-mail address stating that I was the victim of identity theft and did not apply for this loan. I received an automatically generated e-mail stating that " This email serves as confirmation that loan application number XXXX has been cancelled. '' I am unable to receive a personalized response to address my concerns about the identity theft. Likewise, the telephone numbers on the website are not working numbers.
Product: Checking or savings account

I deposited a personal check from my brother into my checking account using the ATM on XX/XX/20. The receipt said that the funds would be held until XX/XX/20. When I checked my account online, it said the hold was in place until XX/XX/20. The amount of the check was {$4000.00}. I understand that banks sometimes hold a deposit for a couple of days to wait for the funds to clear. However, my brother reports the funds left his account the same day I made the deposit. 

This wait time, 7 business days, is excessive and illegal I thought. ( Max is 5 business days ). The check was written on an account in the same county, so there's not a question of it being across state lines. 

I called the Bank of America customer service number to complain about the length of the hold and was told there was nothing the representative could do. She said that the bank was within their deposit rules. 

This money was put into my account to pay vendors doing work on a property I am closing on in a couple of weeks. Ultimately, I had to move other funds into the account from a credit card to cover the checks I am writing ( checks to track the expenses for tax purposes ). 

I will be taking my banking business elsewhere, but wanted to see if I could get some third-party help and maybe warn others of BOA 's banking practices. Thank you for listening.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX Balance Owed XXXX {$1800.00} XXXX  XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} Chapter XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIVIED AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY BETWEEN EXPERIAN, XXXX, AND TRANSUNUION. THESE ACCOUNTS MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. ( CREDIT ACCEPTANCE ) ( WORLD FINANCE ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE REPORTING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN XXXX, XXXX, AND EXPERIAN. ( CREDIT ACCEPTANCE ) ( SELF ) ( SEL LENDER ) ( SELF LENDER LEAD BANK )
Product: Checking or savings account

The bank reached out to me about fraudulently transactions. I called them back and spoke to a representative where we went through the charges. I pointed out which charges were fraudulent. They submitted the claim. In less than 3 hours I received a notification that the charges were valid. I continued to get other notifications about declined transaction since I had frozen my card at the time I had spoken to the representative. These charges indicated to be in another city and where at food locations. When I called again, they instructed me that I could appeal, which I have done. However there is no way to escalate or speak to the appeals team. There is an undetermined amount of time of when you will hear back from them. There is no point of contact.
Product: Credit card or prepaid card

On XX/XX/2022 I went to pump gas and my card decline so when i went inside the gas station the gentleman was able to run it for 10 dollars. I went to the store next to gas station to purchase a item and my card was decline. I called bank of america to see what was going on and the lady i spoke to said my card was freeze. she went ahead and unfroze the card not realizing that someone in XXXX XXXX  had just run a transaction to see my balance. So later that night I tried to make a purchase and was declined. They took {$880.00} and I have bills to pay tomorrow and they said I have to wait into the XXXX. I made a police report and also I'm going tomorrow to the bank where they made that transaction to see the cameras. thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call Nationstar to resolve the matter and I am told that Nationstar is reporting my mortgage information accurately and consistently and that it is an issue with XXXX however the data is not available still in my XXXX credit report. So, I call, file complaints and disputes with XXXX and they respond by telling me that it is Nationstar 's fault that Nationstar is not furnishing them ( XXXX ) with the data. I AM NOT GOING AWAY! THIS MATTER WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the XXXX  credit report, you will see that multiple months reflex no data for my Nationstar Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from Nationstar does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! Nationstar has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my Nationstar mortgage, MONTHS!
Product: Debt collection

Caine and Weber reports on my credit report that I owe XXXX dollars whicjywas paid to XXXX XXXX. I have current insurance with XXXX and also a XXXX dollar XXXX policy. If I did owe that I wouldnt have insurance with them common sense.
Product: Checking or savings account

On XX/XX/2020, I went to a Chase branch location and deposited a Cashier 's check in the amount of {$1600.00}. Per the XX/XX/2020 Chase Account and Fund Availability disclosures, these funds should have been available the following business day. As they were not, I contacted the branch and was told the funds were on a 15 day hold, but given no reason for this hold. I decided to wait a bit longer, and, a few days later, contacted them again for an update. My Relationship Manager said there must've been an error, but she would have to look into it when she returned from vacation. 

On XX/XX/2020, I noticed that the funds were still not available and, as checks cleared, my account was overdrawn and an NSF fee had been assessed. Further, I noticed that directly deposited Social Security check was also being held. At this point, on XX/XX/2020, I contacted Chase again and authorized them to speak with my daughter, a senior banking professional, regarding my account. Initially, I was told this was not allowed, but my daughter was able to convey the fact that I was providing third party authorization and was subsequently allowed to speak on my behalf. 

My daughter referenced Chase 's Funds Availability policy ( attached ) to multiple representatives and was repeatedly told, they were unsure of their own policies and that she needed to be transferred. After over 35 minutes on hold, an extremely rude representative in the Deposit Hold Dept., by the name of XXXX XXXX, came to the line and said she needed to research the issue. She then placed my daughter on an additional 20 minute hold. When she finally returned, she said she would remove the hold for the cashier 's check, but that is all she could do. When my daughter questioned why the hold was placed on a cashier 's check, XXXX said she didn't know but believed it was because they needed to research it to ensure it would be paid. Again, this instrument was a Cashiers Check, drawn from a local, Florida bank. When asked about the Social Security Direct Deposit, XXXX said she couldn't do anything about it and that it would be available, next day, despite the Funds Availability Policy stating it should be available same day, and despite my having received this payment, without issues, numerous times in the past. 

The call ended with XXXX XXXX being terribly rude and basically asking us if we wanted her to make the funds available or not, which of course, we did. She was determined to be unfriendly, unhelpful, inept and apparently, completely unaware of her role in the Deposit Hold Team. 
.
Product: Credit card or prepaid card

American Express is sending text messages with information of my account activity, including charge balances, to an unrelated third party. That individual contacted me in XXXX to notify me of his receipt of these messages. I have called American Express four times to try and have this corrected. I was assured in XXXX that the issue had finally been rectified. Today, the individual sent me a screen shot of his text message from American Express with my account information, including current account balance. I fail to understand why American Express can not correct this egregious security breach.
Product: Student loan

I have been trying to contact Windham Professionals to send me the letters they sent when my student loan was in default in XX/XX/2016. I tried reaching out to their Consumer Relations department and no one answers. I tried emailing them for the information and they said I needed to call them in order for them to verify my identity. All I am looking for is the letters they sent me w/ the fees they charged. The student loan has already been rehabilitated.
Product: Checking or savings account

I am writing to you because I am deeply concerned about my money after the maturity of my certificate of deposit. 

I was expecting to receive a check in the mail from CitiBank per my account that matured in last week of XXXX XXXX ; I never received this check. So, in accordance with Citis policies, I contacted the support lines in hopes of finally receiving my money. After nearly a dozen calls and more than a month of waiting, my issue has still not yet been resolved. At this point, I have no semblance as to the whereabouts of my assets. 

Citis policies and practices have withheld my rightful money for an extended period of time. Their employees on the support line, and their supervisors, and executive response team have failed countless times to empathize with my situation, not given me a clear indication as to when I can expect a resolution, masked the status of my open cases, and have even failed to send me a clear resolution timeline. 

After every call I am left feeling distraught, anxious, and outright disrespected. Please, outline to me what I can do to collect my assets that have wrongfully been withheld from me, because Citis policies and employees have let me down so far. 

Additional Details : Citi support case numbers : XXXX, XXXX Citi executive support case XXXX : XXXX, XXXX Some of the record details from the calls exchanged : XXXX XXXX XXXX PST [ 19 minutes ] XXXX XXXXXXXX XXXX  PST [ 11 minutes ] XX/XX/XXXX XXXXXXXX XXXX  PST [ 8 minutes ] XX/XX/XXXX XXXX XXXX PST [ 2 minutes ] XX/XX/XXXX XXXXXXXX XXXX CET [ 12 minutes ] XX/XX/XXXX XXXX XXXX CET [ 26 minutes ] XX/XX/XXXX XXXXXXXX XXXX  CET [ 51 minutes ] XX/XX/XXXX XXXX XXXX CET [ 28 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 17 minutes ] XX/XX/XXXX XXXX XXXX PST [ 35 minutes ] XX/XX/XXXX XXXX XXXX PST [ 15 minutes ] XX/XX/XXXX XXXX XXXX PST [ 7 minutes ] XX/XX/XXXX XXXX XXXX  PST [ 20 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 2 minutes ] Other communication channels : XXXX chat Chat using Citi portal
Product: Checking or savings account

This is a continuation of Complaint # XXXX. As detailed in my prior complaint, Synchrony jerked me around when I requested to close a CD at maturity and tried to keep me from doing so by making it inappropriately difficult. After telling me several lies, and after an argument and an escalation, Synchrony agreed to close the CD at maturity and to mail me the proceeds. I waited several weeks ( they said it would take 7 to 10 business days ) and still no check. I logged into my online account today ( XX/XX/year> ) to find that, instead of closing the account as instructed, they had rolled it over into a new CD. I called today to complain ( again ) and to demand that they give me my money. The customer service representative read the notes attached to my account and acknowledged that those notes clearly indicate that the account was to be closed as per my ( recorded ) call with Synchrony on XX/XX/XXXX. This rep kept me on hold for a while so he could escalate and get permission to close the account. He assured me that the account will be closed without penalty AND that I will be paid interest for the entire time that Synchrony has held my funds. I will believe it when I see it. This is a continuation of the pattern of harassment documented in my earlier complaint. Synchrony is jerking people around to try to keep them from closing accounts. Once again, this would be a good case for a consumer class action attorney to pick up.
Product: Debt collection

DIVERSIFIED CONSULTANT place a debt collection on my credit report without giving me any notice, nor trying to get in contact with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove or correct inaccurate information on a consumers credit report. The FCRA, specifically in 15 U.S.C. 1681i, outlines that when a consumer disputes information, the XXXX XXXX XXXX must investigate the claim within 30 days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly removed, corrected, or updated on the consumers report. 

Furthermore, the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified, the furnisher is responsible for updating it to ensure that the consumers report remains accurate, current, and fair. XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681, the FCRA gives consumers the right to dispute inaccurate or incomplete information on their credit report. If a consumer identifies late payments that are reported inaccurately, they can request an investigation by the credit reporting agency. The FCRA mandates that credit reporting agencies must verify the accuracy of reported information and correct or delete any disputed data that is proven inaccurate, incomplete, or unverifiable within 30 days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This act, found under 15 U.S.C. 1692, applies to debt collectors rather than credit reporting agencies, but it is relevant if a debt collector is reporting the late payment information. The FDCPA prohibits debt collectors from reporting false information and requires that any disputed information be reported accurately and updated as necessary.

3. Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601, the TILA mandates that creditors accurately disclose credit terms, including payment history. This law enforces that creditors report accurate payment information to credit bureaus, including the timing and status of payments.
Product: Checking or savings account

US Bank has be reordering my transaction in order to accrue more overdraft fees on multiple dates. After raising the issue with them, they stated it was because of the clearing date but the transactions are not even chronological order. I have attached photos of the dates of the transactions and screenshots my bank account showing the order doesnt match. I will include their proper order below. In addition, another occurrence an incorrect overdraft put a hold on my account putting it negative resulting in multiple overdraft fees. The original fee was refunded but the hold putting my account negative remained. 

In the first case on XX/XX/XXXX, they reordered transaction including a loan deposit ( not a wire, the loan company said it is a direct deposit and takes 24-48hrs tops ) in order to obtain fees. On XX/XX/XXXX I was charged an overdraft fee that was refunded and put a hold on my account making it appear negative when it wasn't. The correct order of the transaction is XXXX XXXX  was made XX/XX/XXXX ( attached ) and the XXXX XXXX loan was issued the XX/XX/XXXX and should have cleared XX/XX/XXXX resulting in a positive balance. In addition the order of the transactions is XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, then XXXX XXXX ( in less than 24 hrs from the XXXX XXXX which would not result in a overdrsft. But the loan was not accepted until XX/XX/XXXX at which another automatic payment came out on XX/XX/XXXX resulting in a third overdraft fee. I've attached all bills and the loan deposit receipt showing the payment date which matches the deposit date. It also shows that the loan owner says it should be 1-2 days tops. I called the loan company and they said it was cleared on their side and showed deposited. The bank however held it. In addition, to saying my account was negative for " hold '' for a overdraft fee that was refunded. 

The second occurrence was the weekend of XX/XX/XXXX. The transactions correct order is XX/XX/XXXX XXXX, after-party XX/XX/XXXX and then XXXX  XX/XX/XXXX. I have attached the bills to verify this. The transactions were reordered in order to charge fees and a " hold '' was put on funds for transactions that occurred before the payment even ordered. I was also told my an additional {$36.00} fee or more depending on the interpretation of the account. You can see from rhe screenshots they've notated tons of transactions that the account was negative because a transaction that occurred after the transactions being called negative. I've attached everything I can to prove these. This is the just most recent incidence of transaction reordering to obtain more overdraft fees from me as a long time customer and state employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries Trans Union XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX