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

I have been a customer of 5/3 Bank since XX/XX/XXXX and had good expierences with them up until XX/XX/XXXX. I did a mobile deposit to Acc # XXXX and was given {$100.00} available upfront. On XX/XX/XXXX the funds were not available and the bank took back the {$100.00} in funds that were given upfront. I was advised on XX/XX/XXXX that the funds would be available fully on XX/XX/XXXX. I disagree with the decision. On XX/XX/XXXX I went to my local bank branch and spoke with XXXX regarding the extended hold and explained I have never had an extended hold placed on a deposit before ever in 4 years. I also brought proof that the business I deposited had cleared from the other bank and showed a statement where the funds were available from the other bank account at the other institution. The local branch at 5/3 has done nothing to help me receive the funds any earlier with the proof that they cleared. It is 7 days before the XXXX Holiday and now im without funds to pay for my bills, living expenses and XXXX for my family. I have attached a copy of the Reg CC hold guidelines that the bank claims they did to my deposit. I was never given the first {$100.00} and my hold was longer then 5 business days. The deposit was less then {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX  continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.   I have contacted  XXXX  where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.  <P/> Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard.  XXXX  is reporting to  XXXX  This issue with  XXXX  has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.  <P/> As  one  of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call  may  be recorded for quality and training purposes, however I do not know if it tuly were.
Product: Student loan

I received a letter from the U.S. Department of Education/Federal Student Aid notifying me that all my remaining loans are eligible for forgiveness as of the date of the letter : XX/XX/2024. The letter states that my loan servicer ( Mohela ) should update me on my loan forgiveness within 30 business days. They did not. I called on XX/XX/2024 and spoke to XXXX at XXXX EST. She told me that Mohela is still processing student loan discharges, and my account will be updated eventually. Mohela is unable to provide a date as to when their system will update my account, and right now I have a payment due in XXXX. I asked if the system would be updated by the time my payment is due and was told there is no known date as to when the updates will be complete. This is unacceptable and makes any financial planning on my end extremely difficult and stressful. Mohela knows how many eligible counts I have made toward my student loans. 4 of my loans have 121 qualifying payment, and the remaining has 120.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Product: Debt collection

I replied to their letter dated XX/XX/2023, in response to my letter mailed & dated on XX/XX/2023. In my letter that was dated XX/XX/2023, I disputed the Alleged {$1400.00} debt that they are attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract with my handwriting not a computerized signature. I Also requested that they cease and desist all collection activity, including credit reporting. I requested that they delete any and all reporting made to any consumer credit reporting agencies. They have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!
Product: Credit card

In XXXX of 2016, my family and I decided to plan a vacation XXXX in XXXX of 2016. I placed a reservation XXXX which I would pay at the hotel and there was no cost cancelation as long as the reservation was cancelled at least 24 hours before the expected stay. The next day, on XXXX/XXXX/2016, I surprisingly noticed that XXXX. charged my Chase Visa for half the cost of the reservation. When I called the hotel I was told this was standard to hold the room and if I cancelled it would be refunded in full. The first week of XXXX in 2016, I cancelled the room. When I contacted Chase regarding the transaction, I heard on a recording that the hotel had processed the credit. I spoke to a Chase representative and requested that they also refund me for the interest they charged on the {$130.00} transaction. I was told they would n't and there was nothing that could be done. This caused me great frustration. My current interest rate is 18.24 %. The payment of {$130.00} was charged interest on my account for XXXX, XXXX, and XXXX of 2016. Thus, I now have to pay Chase {$72.00} in interest for something I never received. On XXXX/XXXX/2016 I spoke with multiple departments and employees of Chase to try and get the interest that I was charged for service not used, to be refunded. I was told that there was nothing they could due since the hotel ran the payment as a sale and not an authorization. Thus, Chase just made free money off me that I will have to pay even though I never received or used the goods or services they are charging me for. This is unfair and feels illegal. I should n't have to foot a bill for something I never used or had. I want something to be done.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint for Inaccurate Credit Reporting FCRA Violation Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against [ Name of the Credit Bureau : TransUnion, Experian, or Equifax ] , as they have reported inaccurate and harmful information on my credit report and failed to correct it. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : XXXX XXXX Account Number : XXXX Reason for the Complaint : Inconsistent Information on My Credit Report The account is marked as " Charged Off '' with a {$0.00} balance, yet it continues to negatively impact my credit. 
The last payment date and last activity date are inconsistent across all three credit bureaus. 
Equifax reports an incorrect credit limit of {$650.00}, while TransUnion and Experian show different values.

Violation of FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( A ) I have requested the credit bureau to verify the accuracy of this account, yet they have failed to provide valid documentation.

Violation of FCRA 15 U.S.C 1681e ( b ) The credit bureau is required to ensure that my report is accurate, but they continue to report incorrect information despite my disputes.

Possible Violation of FCRA 15 U.S.C 1681c ( a ) ( 4 ) If this account was closed in 2018, it is approaching the 7-year reporting limit, meaning it should be removed from my credit file soon. 
Financial Impact : This inaccurate information is damaging my credit and limiting my financial opportunities, as I am still being considered a high-risk borrower due to this incorrectly reported account. 

Request to the CFPB : I demand that the credit bureau immediately correct or delete this account. 
If they can not provide valid documentation verifying the accuracy of this account, they must remove it under the law. 
I request that the CFPB intervene and ensure that the credit bureau complies with the FCRA. 
I am attaching copies of my credit report, screenshots of the discrepancies, and proof of my previous dispute attempts with the credit bureau. 

I appreciate your prompt attention to this complaint and look forward to a fair resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I saw on my credit card report that i was added as an authorized user to an account that has been opened since i was XXXX, I have no idea who opened it or how they got my info. i called citibanks customer service number multiple times but was redirected and unable to get someone to help me. i would just like to be removed.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX ( my mother ) transferred {$4000.00} from her PayPal account to mine. Two days later I refunded the money to her because she was upset. 

Ive received a number of communications from PayPal. The most recent was that the case was closed in my moms favor. Before that, I had a phone conversation with PayPal where they acknowledged that money was taken from my account to both fund and refund the {$4000.00}. I dont know how thats possible. 

PayPal keeps trying to take money from my account, and never got back to me after my last call with them. Now my account is permanently limited There is a pending refund shown, but also lots of back and forth on refunds and payments generally. I have no idea what the status is. PayPal also acknowledged that they fronted her {$4000.00} - it feels like shes getting more than what she started with.
Product: Debt collection

A company named Resurgence Capital put a lien on my bank account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, Resurgence and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called XXXX XXXX XXXX XXXX XXXX that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to Resurgence Capital, nearly 8 years after I resolved my issues with Resurgence. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, Resurgence Capital LLC. 

I called the XXXX XXXX XXXX XXXX XXXX to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with Resurgence Capital. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to see unauthorized inquiries that I can't explain. I regularly monitor my report, but this time I noticed discrepancies that seemed to appear out of nowhere. I refreshed the browser, hoping it was a technical error, but the inquiries persisted. I'm asking for a detailed review of the documents I've provided so that this issue can finally be resolved.
Product: Credit reporting or other personal consumer reports

I am filing this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called trans union time and time again, sent in letters and I also called the creditors to get it removed, only for my request to be ignored. To make matters even worse, one of the 4 creditors dont have any information on me in there data base, but for some reason I have a hard inquiry from that same company, so they can not release any information to the credit bureaus.
Product: Debt collection

I contacted XXXX XXXX and asked them to verify the debt as well as XXXX contacting them on my behalf since XXXX XXXX and they have not responded nor verified the debt. I have another case pending in XXXX County, Georgia unrelated and saw on their clerks website that XXXX is trying to sue me but I have not been notified or served anything regarding this debt. This company refuses to verify I owe this debt and the amount.
Product: Consumer Loan

I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.
Product: Debt collection

I have tried so many times reaching out to the debt collector to have them verify this debt, but nobody has been able to do so. Every time I dispute this charge it comes right back on. I need this taken care of ASAP. Thank you! This debt is not MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to Experian to cancel my account. On XX/XX/XXXX, I received an email acknowledging that my account with Experian had been cancelled. My credit card was then charged for {$21.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then locked my card so that it could not be charged inXX/XX/XXXX. I keep receiving emails from the card issuer telling me that my 'purchase from Experian for {$21.00} could not be completed '. I have since sent XXXX emails telling them to stop trying to charge me for a cancelled account.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX my investment account on Oportun was forcibly closed and liquidated. I am trying to obtain myXX/XX/XXXXOportun tax forms but am continually getting the run-around from customer service representatives via email. They said XXXX manages tax forms and to log in to XXXX XXXX to view and download my tax forms. When I attempt to log in to XXXX Client with my current email address I only seeXX/XX/XXXXMy Oportun account may be linked to an old email address that I no longer have access to. I let Oportun customer service know and also submitted a ticket to XXXX which I have received no response to. I have spent 9 days trying to resolve this issue and it is genuinely getting ridiculous by this point. Please help me obtain my XX/XX/XXXX Oportun investment account tax forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

XXXX XXXX bought out my credit cards with both XXXX XXXX  and XXXX. At time of switch they lowered my limits to below the amount I had borrowed previously then charged me fees. I have since made all accounts current and they closed my XXXX account affecting my credit. I have messaged and they refuse to reopen although they did not close my XXXX.
Product: Debt collection

I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF XXXX XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, date reported, date last active, closed date, and date of last payment is NOT 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Product: Debt collection

Convergent Outsourcing is reporting to XXXX  that I have an unpaid collection account with XXXX from XX/XX/2019. I have had no such account with XXXX nor with Convergent Outsourcing from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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

XXXX/XXXX  and XXXX XXXX XXXX accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from TransUnion. It had caused me adverse actions and obtaining the appropriate credit I deserve.
Product: Debt collection

I noticed a I did on my collections that was worth over {$7000.00} in I called and found out it was about a timeshare that I know nothing about I've never brought our own a timeshare never even attempted to I have no reason I don't know how or why they have my name and my social security number but I've never even attempted to buy a timeshare in my life I disputed it and you guys voted on their side when I don't understand how he have any proof are they have any proof when I never even attempted to ever buy a timeshare I've never even been to their resort motel or whatever it is I have no idea about a timeshare never have I have been a victim of identity theft I don't know if this has something to do with that but I've never bought a timeshare for sure
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries or collection that I have NOT given written instruction to 3rd party to report to my file. According to The FCRA this is in violation of 15 USC 1681b - PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNT BE REMOVED IN 2 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX