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

The deposit was made on XX/XX/XXXX which was a holiday. I contacted XXXX XXXX XXXX on XX/XX/XXXX at this time I was told once the funds were verified, they would likely become available in a couple of days. I needed to pay a contractor. If not, I said I could cancel the check and go back to my credit union and get them from there. It was suggested I wait until Thursday. I waited until Thursday when I got attitude from several associates. The issue is when I contacted my other banking institution to make a stop payment, I was told the funds had already been debited from my account. Making me unable to go and retrieve them. Also, keep in my I have a HELOC from my credit union and deposited a check for {$7000.00} the previous week as I am getting work done on my home. This hold is extremely long for the funds to already have been removed from my account. They do not sit in the clearing house for 5-8 days. They will be released on XX/XX/XXXX as I have been told multiple times is ridiculous. The money is somewhere with B of A collecting some dividends until they decide to hand them over. Meanwhile, I have to keep calling my contractor apologizing explaining that also he is done and is owed his balance I am waiting for funds to be available with no reasonable explanation. Bank of America just has poor customer service. The branch that I have a personal relationship with could not even release the hold. They were very apologetic and said I should be made because it made no sense that the hold was that long.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 611 ( a ) failure to investigate any items within 30 days give clear reason for immediate deletion of said accounts from my credit file. I already sent my complaints to the XXXX XXXX XXXX XXXX  XXXX  ) and the federal trade commission ( FTC ). So beware that this aint no regular dispute, To my knowledge I have no clue as too what these items is or even who the XXXX they belong to. This is ridiculous I Kant afford to wait another 90 days to get a response that's if you ppl even decide to respond. Let the record show this is not the first time your company chose to ignore me. This needs to be taken care of expeditiously. You will force my hand to open litigation If you do not meat my demands for immediate deletion. Your company has caused me too much time, money, stress, and suffering. As mention before it has been well over 90 days which mean this account should be deleted ASAP
Product: Student loan

NELNET loan servicer is utilizing collection tactics on a Dept of Education student loan that I did not benefit from nor apply for. The amount in controversy is more than {$30000.00} concerning the false claim that Plaintiff owes a student loan. Defendants false information pertains to a student loan that Plaintiff has no knowledge of. Whether the incorrect information is due to the fraud or mistake of persons other than Defendants is irrelevant. Defendants have sent statements to Plaintiff claiming that Plaintiff owes many thousands of dollars on a student loan that is unknown to Plaintiff. This is false information being published by the Defendants to third parties, including the credit reporting agencies. Plaintiff has complied with XXXX XXXX requirements by requesting that NELNET remove the incorrect information from the Plaintiffs credit report. Plaintiff asked for this relief, in writing, properly served with certified US Mail more than ninety days ago, and no such relief has materialized. I have retained a lawyer and handwriting forensic expert. The data supports that the loan was not taken by me. The loan was originated by fraudulent/forged means in XXXX time frame. NELNET began reporting and collection on such loan in XXXX, yet the loan was reported acquired, by me, in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Barclays Customer Service Department Subject : Request for Account Information XXXX Dear Barclays Team, I am writing to formally request information regarding my account with Barclays . Please note that this is not a dispute but a request for clarification of specific details associated with the account. I kindly ask that you provide the following information : 1. The date of first delinquency associated with the account.

2. The date of the last payment made on the account.

3. The date of charge-off for the account.

Your assistance in furnishing this information would be greatly appreciated. Please send your response to the address listed above or contact me at XXXX or XXXX should you require any further details. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Okay this is unacceptable now. I have done EVERYTHING PayPal have asked me to do. Ive waited since XXXX to get this money. PayPal told me I am able to withdraw my money but every time I try to I keep getting a message saying the transaction can not be completed. I call PayPal and got told to wait XXXX hours and try again so I wait XXXX hours and same thing still cant get my money I call paypal again and get told to wait XXXX hours and I do just that and same thing still cant get my money. I call you again and again get told to wait another XXXX hours this is not right what kind of show are you running?!?! I have done everything you told me to do and still cant get my money.. this is XXXX ridiculous!XXXX I need my money!XXXX Its over $ XXXX its not just pocket change and when I call paypal they are so non chalant like if somebody took $ XXXX from them I bet they wouldnt be all calm like they dont give a XXXX!!!
Product: Credit card

This account is invalid. Comenity Bank ) needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 


XXXX XXXX XXXX XXXX ( Comenity Bank ) # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times.15 U.S.C 1681 section 602 A. 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 instruction.
Product: Credit reporting or other personal consumer reports

They hit my credit score snd dropped it by XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of significant concern regarding the accuracy and integrity of my credit report. As a consumer affected by the Equifax data breach, I have discovered discrepancies in my credit accounts that I believe are a direct result of this breach. 

The Equifax data breach, which compromised the personal information of millions of individuals, including myself, has raised serious doubts about the security of my personal data and its potential misuse. Upon reviewing my credit report, I have identified several accounts that I did not open, transactions I did not authorize, and inaccuracies that I believe stem from this breach. 

I hereby formally dispute the following items on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the Consumer Financial Protection Bureau take immediate action to investigate and rectify these inaccuracies. Given the circumstances surrounding the Equifax data breach and the potential impact on my financial well-being, I urge you to ensure that these disputed items are promptly removed from my credit report. 

Furthermore, I request that the Consumer Financial Protection Bureau work closely with Equifax to enhance its security measures and prevent similar breaches from occurring in the future. Consumers deserve better protection of their personal information, and it is imperative that measures are put in place to safeguard against future breaches. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address my concerns and uphold the integrity of consumer credit reporting. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Chase Bank Slate Card : Handling of dispute between myself and an automobile repair facitlity was grossly mis-handled and after being assured that it would be investigated and I contacted if anything updated, the disputed {$150.00} charge was put back onto my card on XXXX/XXXX/16 without so much as a message to that effect.
Product: Debt collection

Weber and Olcese keeps finding and buying old charged off debt. One of them I am almost certain I paid. It's been over XXXX years. I've moved several times since then. I went to court and tried to argue that point and the judge granted them payment. They contacted me again via court records saying I owed them a different amount. I told them I didn't owe that but we went to court again and they won again. This time they garnished my checking account at XXXX. To me this is unfair because I have no knowledge of where they keep getting these accounts from. I've contacted courts in each city I lived in like XXXX, XXXX XXXX, and XXXX and I can't find any charges against me. It should be a limit on what debt collection companies do. How can I protect myself from this happening again? I do have the court documents sent to the bank. But my bank didn't notify me until they put a {$1200.00} hold on my account. I had just received payment from the XXXX XXXX class action lawsuit. It's ironic that it was that amount and they garnished me for almost that amount. 
Kindest Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/ Experian National Consumer Assistance Center Re : Acct # XXXX On XX/XX/2019 I disputed an account reported by XXXX  XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2019 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification.
Product: Mortgage

I missed two payments Sent them in to get caught up, received a letter stating that the loan company -Chase bank, informed via a letter that they had miscalculated my loan and that I needed to pay {$3600.00} I called the contact and was told that they found this error and that I needed to pay XXXX I informed them that I had been garnished for the previous 11 months paying {$930.00} for 10 months. They did n't care and suggested I make two paymnents of {$1800.00}, I advised them that if I could n't paid XXXX I would n't be able to pay XXXX either. I asked if I could add it to the loan they said no. Previously I had been on a loan modification, and except for those two missed payments I had been consistent. A month later I received a letter from a law firm stating that they were representing chase in recouping the XXXX. I then applied for keep your home California -they stated I made too much money for assistance, I responded with I did n't want them to make my payments to see if there was some sort of debt forgiveness. My loan has now been referred to a debt collection XXXX is their name. The original amount has now ballooned to XXXX. I do n't understand how a nationwide leader in the banking industry can shake people down when THE BANK made the mistake. My understanding is that chase is currently involved in numerous case courts due to these unwholesome and greedy actions that Chase had taken. Any help, direction or sources would be deeply appreciated. Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AES reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX AES has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through AES and they are federal loans.
Product: Vehicle loan or lease

A GA state trooper rammed my car around the same time it was repossessed before actually. I was left with debt from a car accident that was falsely built under prejudice.
Product: Checking or savings account

In XXXX of XXXX, I requested Citibank stop paying XXXX XXXX XXXX  ( XXXX ) {$44.00} to attend weekly meetings due to Covid. Initially, the undersigned thought XXXX would stop debiting the undersigned 's account since they were not able to have in-person weekly meetings. 

Here it is a year later and XXXX is still taking money out of the undersigned 's checking account. The undersigned has contacted Citibank and XXXX XXXX and they are still taking money out of my account. I put in another claim regarding the matter on XX/XX/XXXX and Citibank still continues to pay XXXX. 

My debit card has been changed 2 times to deal with this matter. XXXX in the XXXX informed the undersigned that although, I changed my debit card twice XXXX has a way to get my new credit card number from Citibank. This is so wrong. Please help. 

I can be reached at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Product: Checking or savings account

Checking account closed on XX/XX/2020. Everything associated with the account had a XXXX balance. BMO Harris bank has kept issuing checks on this closed account for the remainder of XXXX and all of XXXX. Bad check fees were charged to those who they issued those checks to. I have spoken with BMO Harris however they continue to issue checks on this closed account.
Product: Credit reporting or other personal consumer reports

Please check the information concerning XXXX data breach i'd like to have all the account Also delinquent accounts remove from my credit report. Due to XXXX date of breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been calling the major credit bureaus XXXX, XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.
Product: Mortgage

Mortgagee has collected extra principal payments and placed them into a " suspense account ''. The amount they have is different then the information they provided in writing and different then the amount I show too. They sent me a sheet showing payments but not the payments to the suspense account. I really dont understand a lot of this and need some help with this.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Target Credit Card Application and XXXX Concerns Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding Target 's credit card application process and its implications for individuals with XXXX. I recently applied for a Target credit card and was subsequently instructed to upload certain documents to their website. However, I encountered several issues that I believe are discriminatory and violate the Americans with XXXX Act ( AXXXXA ). 
First and foremost, Target 's requirement for uploading documents online creates barriers for individuals who may not have access to the special equipment or the ability to scan and upload documents. This requirement effectively excludes a significant portion of the population from accessing the Target credit card, which is a violation of the AXXXXA 's mandate of equal access. 
Secondly, Target 's privacy policy regarding submitted information raises concerns about the potential misuse of personal data. The policy states that " All information submitted to us via the Services shall be deemed and remain the property of ours. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a user of the Service provides us through the Service. '' This broad and vague language suggests that Target may use submitted information for purposes beyond those necessary to process credit card applications, potentially violating individuals ' privacy rights. 
Finally, when I contacted Target to request reasonable accommodations for my inability to upload documents online, I was met with an insensitive and dismissive response. A customer service representative informed me that Target considers individuals ' XXXX that preclude certain tasks as a personal choice, a statement that is not only insensitive but also contradicts the AXXXXA 's clear provisions. 
I urge the Consumer Financial Protection Bureau to investigate XXXX 's credit card application process and ensure that it complies with the AXXXXA. Individuals with XXXX should not be denied access to credit cards or subjected to discriminatory practices due to their limitations. I believe that Target 's current policies and practices are unacceptable and require immediate attention. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NO knowledge of this account, I have disputed this several times with no changes! I have NEVER signed a contract with this company, also this is being reported as an OPEN account but, also states it was closed on XX/XX/2023. 
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX amount they claim I owe {$1800.00}, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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

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

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

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

My mother recently passed and I am the sole beneficiary on her checking and savings accounts ( Estimated value of $ XXXX ). Bank of America has frozen the accounts due to her death. I called Bank of America on XX/XX/XXXX and the agent on the phone said I needed to visit a local branch to fix the situation. On XX/XX/XXXX, I visited the local branch and provided the branch manager all the requested and required information ( Death certificates, legal ID, etc ). To my complete surprise the branch manager said he couldn't help me and that the centralized group ( somewhere in the XXXX ) would US Postal mail me documents to fill out which in turn I need to complete and US Postal mail or fax back. He said this process will take 30- 90 days to complete because and I quote, " Bank of America is a large bank is things like this take time. '' I am now facing paying my mother 's bills $ XXXX ( funeral, house operating expenses, etc. ) out of pocket for the next 30- 90 days because I can not access the funds which are legally mine. 
I am a XXXX year customer of Bank of America and my mother was a XXXX year customer. I provided all the requested legal documents required to access my funds, but I still can't because of a too big to fail, inefficient organization takes 30- 90 days to transfer funds with in their own organization. This is XXXX, why/ how can any organization afford to be this inefficient and hold customer 's funds XXXX for XXXX 90 days. Also note, while they are holding my money I do not get the benefit of the interest income on the accounts.
Product: Payday loan, title loan, or personal loan

My due date is the XX/XX/XXXX of each month, but I was told if my payment was not received by XX/XX/XXXX for example, it would be reported 30 days late to credit reporting agency. My math says Im only 21 days late.