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

I deposited a check on XX/XX/XXXX for {$6000.00}. I put it in ATM. I knew it would be on hold.I {$100.00} in the account before deposit. I was able to use my debit card until XXXX XXXX  that day when at the gas station my card was denied- told it said restricted. Called cust. serv. immediately - told my account was revoked and the check was on hold for a week. No reason for revoking my debit card. Told unable to use it until hold is off. Was told it's how they do it. I went to the branch on XXXX the next day - doors were locked - not enough staff. So I went to drive thru -demanded to know what was going on with my card. was told my account frozen. told them money was in there before the deposit -they got permission - gave me the XXXX I had in the account. I was told that my account was done & needed to shred my debit card ( they had it inside for ID purposes ) I demanded a meeting with manager, they referred me to XXXX XXXX at XXXX XXXX and gave me her number. I called. Spoke with her and she said she would figure it out and call me back. She did not. I called her. She stated that check on hold til Monday and account frozen until the check clears because -was deemed poss. fraud. It was a check from my uncle who borrowed me money for a debt consolidation to fix my credit. He was called by XXXX ( his bank ) gave the OK to fund the check. Received a letter dated XX/XX/XXXX stating there is a hold and would be released on XXXX. On XXXX I got notified via email that funds were available. Tried to use card still can not .Called cust. serv. told they put an addl hold with a different dept on check. Now told me it may be XXXX before it is available. Am told possible fraud. Also stating Citizens not funding. This is a lie. I still can not use my card -my payroll went to this acct today. II am now behind on all of my auto pays on my card in my account, I am now instead of XXXX in debt, XXXX because I have to make payments on this money that is on hold. You can see all of my documentation attached. In addition I have made a dozen called to the local branch and customer service. I am being treated like a criminal and I literally did nothing but make a large deposit ( large to me and apparently the bank ). This is financial profiling! 

Desired Settlement : I want my money. I did nothing wrong. The hold had been done as stated in the letter PLUS some. It is my money from my XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Decreased credit limit on account that has always been current ( recently paid off ) due to unpaid student loans that have no correlation to this credit card account. 

Im trying to rebuild credit and I think this is an incredibly unfair practice that further punishes people who are struggling to begin with. 
The decrease in credit limit will negatively effect my score even though account was always current. 
They sent letter day before decrease so no proper notice was given.
Product: Mortgage

The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12   C.F.R. 1024.41 ( f ). The lender failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) The lender has also not responded to our QWR - Qualified Written reque st sent on  XXXX / XXXX /  2017
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injorious to my credit score. 

Equifax : XXXX XXXX XXXXXXXX XXXX In accodance with The Fair CredSait Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that i may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXXXXX OH , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong to me.
Product: Credit reporting or other personal consumer reports

The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that XXXX being punished because of these mistakes.
Product: Debt collection

UPON PULLING CREDIT ON XX/XX/XXXX, I FOUND THAT THERE ARE SEVERAL COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEAL WHERE THEY CAM FROM. I HAVE NOT RECEIVED ANY NOTICES FROM THESE COMPANIES THAT APPEAT ON MY CREDIT PROFILE. I FEEL AS THOUGTH IN XXXX & XXXX, WHILE I WAS OUT OF THE COUNTRY THAT MY CREDIT & IDENTITY WAS COMPROMISED. 
THESE ACCOUNTS ARE AS FOLLOWS : XXXX XXXX/ XXXX  ( XXXX , GA ) XXXX XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX XXXX ( XXXX, OH ) XXXX XXXX XXXX ( XXXX XXXX , NJ )
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX
Product: Checking or savings account

I have been banking with Suntrust for years. I had an overdraft alert set up in the Suntrust app. Suntrust app was shut down. It stated I have to login through Truist. My account was over drafted and accrued 9 overdraft fees totaling XXXX dollars. I finally realized today when I checked my account that it had been over drafted. I called the bank and she said they can only refund XXXX dollars. Im a XXXX so I dont get paid a lot. I told them I understand if they cant refund the full amount but please give back more of the money lost. She said sorry I cant do that. I called back later on and I was told they can not refund anymore of the money because of their system. She said it doesnt matter how many times I call. I asked if I could speak to her manager or someone else. She said it doesnt matter who you talk to its not going to change. I was not transferred and she started with is there anything else I can help you with other than you attempting to get a refund. Im furious
Product: Credit card or prepaid card

I opened a secured card with capitol one but was promised that after 1 year of on-time payment I would 1 receive a credit limit increase called several times after the year but always received conflicting in accurate false answers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX Equifax Score was XXXX. On XX/XX/2021, I Logged onto XXXX to Check My Credit Scores. When doing so, I Noticed My 'Equifax XXXX Score had Decreased 23 Points. This was Unusual. When I Checked the Notification as to Why My Score Decreased, It Stated I had a " Late Payment within the Last 30 Days '' - Which is Inaccurate. My Payment History has Been ON TIME within the Last 14 months. Im Not Sure Where that Information Came From, because there is No Late Payment Reported on Any Account on My Report within the Last 30 Days. Trying to Dispute on Equifax was unsuccessful due to lack of options. Nothing Has Changed from XXXX to XXXX except My Credit Utilization Decreasing - Which Should NOT Decrease My Score. This was Unfair and Should Be Reversed.
Product: Debt collection

On XX/XX/2023 I recieved a letter from MRS BPO , LLC stating they were contacting me about a debt I owed to XXXX. The letter stated I owed {$25000.00}. 

On XX/XX/2023 I received a second letter from MRS BPO , LLC stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX, now XXXX. It stated I owed {$5300.00}. 



I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to MRS BPO , LLC through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX. Account # XXXX XXXX : XXXX. Account XXXX XXXX XXXX XXXX XXXX. Account # XXXX
Product: Credit reporting or other personal consumer reports

I modified my mortgage through XXXX Mortgage company on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to Rushmore mortgage company, I have been emailed Rushmore for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. It has been well over 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off and closed XXXX. XXXX and XXXX I called collection agency company to tell them Im no longer working and on a fix income. They replied so what you have a debt. I told them at the time I can only afford $ XXXX  monthly they stated unfortunately that will not work. I replied my account charged off/closed-why are you guys still opening and reporting a closed account. They stated because we can. Company constantly call my phone I had to block number. Now its XXXX they starting to report closed account once again.
Product: Checking or savings account

I got two separate emails at the same time yesterday XX/XX/year> saying my checking and saving accounts has been locked but don't worry because my money I now can't access is supposedly safe. They say it can happen as a security measure and to await another email on how to unlock my account. When calling a customer service representative, they can not tell me why, they can not tell me when I will receive said email, they can not provide a time frame, and they can not transfer me to that department because they communicate via email. I got off the phone. The next morning, XX/XX/year> I called again, maybe a different worker can give me more info and help on a different outcome. She could not. She couldn't even open a chat with said department, that she can only leave a note of my call on my account. XX/XX/year>, I filed my taxes and placed direct deposit on this account, I also get paid weekly from this account and pay all my bills through this account. I got on XXXX, and this has happened to more and more people lately. Most the reddit answers are updated showing they eventually unfroze their account, but it did take days. I believe this is unjust.

Bank in Question : credit karma banking, services provided by MVB bank. 
Credit Karma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr.Cooper holds the 2nd small loan on my house, the 1st loan is in good standing with no issues. Mr.Cooper has been very underhanded and deceitful in their Practice. 
First of all, I was never notified in advance via mail to the physical address nor online that the balloon payment date was approaching. 
When I started this, I was told that it was mailed to the old address on file that was supposed to have been updated many many years ago. 
The account was in good standing until the XX/XX/XXXX payment when I login to make the payment that is when I was notified that the balloon payment of {$18000.00} was due. 
immediately I called to find out what are the options and being past from one department to another, all the while time is passing, submitting documents, waiting for returned calls and answers only to be told we can't do that, but try this. 
Finally told to submit loan modification, having submitted everything on XX/XX/20 I was told weeks later that more documentation was needed and an affidavit, so now it's XX/XX/20. Again the account is aging further past due. 
After calling a couple of times a week and login in daily checking on the status of the modification, each time being told that it was in the underwriting stage, ( I have screenshots of this. ) I received a letter from the attorney 's office of XXXX XXXX XXXX dated XX/XX/XXXX that my home had been placed with them for foreclosed, I called Mr.Cooper concerning this and again was told that they had NOT placed the home into foreclosure and to please send them a copy of the letter so they could research what is taken place. Again they assured me that the modification was still in the underwriting stage. 
Only to be told 16 business days later ( when I called XX/XX/XXXX ) 56 business days later that the loan investor doesn't accept modifications. 
After they have wasted my precious time and the account is showing severely past due I can't refinance with anyone because of federal regulations that the account isn't current. 
Mr. Cooper being unwilling to work with me on this Balloon payment, even to refinance. 
After being a customer for fifteen years they seem determine to take my home over {$18000.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Experian NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it XXXX concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXX court system XXXX XXXXXXXX XXXX XXXX  XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX  {$530.00} acct # XXXX XXXX XXXX XXXX XXXX XXXX$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting

I was in a XXXX accident. I had multiple bills from XXXX Hospital, one of them being XXXX. It was then sent to a debt collector because it was not paid on time. I was working on a settlement with XXXX XXXX at the time. It finally got settled and closed out, however, it is still on my credit score and making it lower. I need it removed from my credit score as soon as possible because I am trying to get a loan for a new car. I ca n't get a loan from my current bank for a car because it is showing delinquent bills on my credit report. That is not true. They have been paid and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO EXPERIAN AND XXXX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... EXPERIAN AND XXXX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT
Product: Debt collection

I just pulled my XXXX report and seen that I had an collection account from this company Rent Recovery Solutions and I was aware of this debt, so I called and spoke with a representative by the name of " XXXX XXXX '' she stated that she had to call me back because she was on another call, so I had given her my information and she called me back from XXXX she went on to tell me that I had an unpaid account with a community property by the name of XXXX and I informed her that I was n't aware of this debt and that it was n't mine, I asked her to tell me the spelling of the name on the account as that I 've had some issues in the past that 's been placed on my credit report which was n't mine, she did n't give me that information only went on to say that she would email me all of this information, still refusing my request to give me the spelling of the name on the account, she then proceeded to say that if you want to settle or make payment arrangements you can and again I told her that I was n't aware of this account and I 'm not paying. Not once did she state the mini Miranda and still asked me about money. I know my rights as a consumer and I know that this was one of my rights that 's been violated. I will be seeking law actions against this company and I want this debt removed from my credit that I know anything of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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: Mortgage

TO : Prospect Mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir or madam, Earlier this year I received the attached form XX/XX/XXXX XXXX XXXX from you. After numerous attempts to contact you and receiving no replies I was forced to submit this form with ny XX/XX/XXXX taxes. <P/>However I have no idea why you are sending me this form. Our mortgage was with your firm in XX/XX/XXXX. You sold it and the mortgage is now with XXXX XXXX. <P/>Why are you sending me this form after all these years? Is there an escrow or other amount of money that you still have the belongs back to me? <P/>I would like to clear this up in an amicable manner. Kindly let me know what the status of this account is. I believe a due date by XX/XX/XXXX is fair. Please reply by then. <P/><P/><P/><P/>Continuance : I made several calls to Prospect Mortgage in XX/XX/XXXX. No calls were returned. I believe the last call was XX/XX/XXXX at XXXX XXXX ET. I spoke with XXXX. She took my name and number and said someone would call me back. This was typical of two or three other calls I made. No one ever returned a call. So I wrote the letter as detailed above and dated XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Please see attached files of my dispute to Equifax!