23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Deposits made at Ally are stated to be available as first {$200.00} next business day and the rest after. Regularly, I make deposits on the weekends. The availability notification ( email ) is not sent until Tuesday morning. Usually this email says some is available Tuesday ( although this is actually 2 business days ). This case had about {$700.00} ( XXXX checks ) deposited Sunday morning. Assuming they would at least be partially available Tuesday, I scheduled bill payments for Tuesday and Wednesday. I received an email Tuesday morning that multiple overdrafts occurred. Then I got an email that my deposit checks would be held for XXXX5 business days from this Tuesday. I called and they said in fact 5 business days from Tuesday, meaning that I made the deposit on XXXX and it would be available XXXX. The reasoning is " too many overdrafts ''. 

My issue is that 1 ) I was as never notified that I 've had " too many overdrafts '' and fell into this category. It has never been this way. I have never had a bounced check. How many is " too many ''? Why 5 days instead of XXXX, in XXXX? Why 5 days from Tuesday, not the day the deposit as made? If the deposit availability was clearer, I would never have overdrafts but this cycle just continues. 
2 ) the bank should notify me, at the latest, Monday, for a Sunday deposit if there will be a hold l, so that I can not schedule bill payments. This would prevent these overdrafts 3 ) the reason this check is on hold ( overdrafts ) is causing more overdrafts and thus continuing the cycle. 
4 ) with this very long hold, there will likely be an overdraft every single day from now until the money is available. A {$25.00} fee each day for the next XXXX8 days, plus the returned payments from the loans/creditors. It will end up costing me more in fees than the original deposit and in the end I will again be negative and overdrafted from the fees, even after the deposits are made available. 
All of this could have been prevented and been more fair if the bank had notified me that either my account was in this situation where desposits would be held or notified me in the first 24 hours of making the deposit that this would be the situation. Neither was done, and I assume it was in order to capitalize on the massive fees. 
This entire practice is so very unfair. It is my money being held so long and at the bank 's discretion, which they deceptively practice. It continues the cycle of massive overdraft fees and making the bills I try to pay bounce. 

This bank also practices processing all outgoing payments prior to all deposits for each day which maximizes their overdraft potential. This has left me with a positive balance for a day even though I ended up with overdraft fees. Again, very deceptive and maximizing these fees, in addition to putting me into an unnecessary category of " too many overdrafts ''.
Product: Credit reporting or other personal consumer reports

Ths is a complaint that this company is in direct violation of the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ),. Sometimes around XX/XX/XXXX, XXXX XXXX XXXX  was placed bac on my credit file after being blocked for identity theft on or around XXXX of XXXX. I was not notified 5 day prior to this fraudulent account being reinserted which is a clear violation as I stated above.. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that late payments are a transaction and experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.
Product: Debt collection

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted Nelnet and XXXX numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All Nelnet accounts they are reporting are over 20 years old.
Product: Debt collection

I've called the company and told my address was a XXXX XXXX XXXX i gave my social and they found my address. I have never been in contact with this company before and prior to my phone call they had no clue where I lived. they reported this debt to the credit bureaus without ever having contact with me or my permission to report a private medical debt to the credit bureaus which is illegal in practice. This debt should be removed from my credit report asap.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Balance Information Account Number : XXXX XXXX ] Dear TransUnion XXXX Department, I am writing to formally dispute inaccurate information on my credit report related to a XXXX account. The account is currently showing a total balance of over {$100000.00}, which is incorrect. After reviewing my records, I can confirm that this reported balance does not accurately reflect my financial obligations. It looks like you are reporting XXXX XXXX  on my credit report. Please fix this. 
I respectfully request that you investigate this matter and correct the inaccurate balance information associated with this account as soon as possible. 
Please update my credit report accordingly and provide written confirmation once the correction has been made. I look forward to receiving an update after this issue is resolved. 
Thank you for your prompt attention to this matter. 

XXXX XXXX is reported XXXX  -Please fix this XXXX XXXX is reported again Please fix this Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Mortgage

It appears Cardinal Financial Company is overcharging me on the escrow portion of my monthly payment. I have contacted the company several times, and they have not been able to provide a satisfactory explanation for the additional charges.
Product: Checking or savings account

Initiated an internal transfer between 2 Chase Checking accounts on XXXX for {$5800.00}. Apparently Chase had put an account hold or freeze on the receiving account due to a recent check deposit. The transfer was not completed. However, the transfer was not reversed and the funds were not returned to the originating account timely. I called the customer service line on XXXX, was transferred about and was advised it would be 2-3 business days for the funds to be credited back. This is a transfer between 2 internal Chase accounts. I find it unacceptable that in not being able to complete the transfer as requested, the funds were debited from the initiating account and will not be reversed/credited back for 2-3 business days. Furthermore in trying to work with the agent to determine if there was some way for the credit to be expedited, the call was dropped and no one attempted to call me back. When I called back again, I was transferred about and placed on hold for 10 minutes only for the call to be dropped again. 

Very disappointing to have the issue in the first place and not be able to successfully connect with anyone to resolve this issue timely.
Product: Credit reporting or other personal consumer reports

Note : New found information is being submitted. This is not a duplicate complaint. 

Subject : Formal Dispute and Complaint Regarding Equifax Credit Report Dear Equifax Dispute Resolution Team, I am writing to bring to your attention a matter of great concern regarding inaccuracies in my Equifax credit report. As of XX/XX/XXXX, I have identified fraudulent reporting of creditors and accounts that are not associated with me. 

I would like to emphasize that I do not own a business, have never entered into joint accounts with anyone, and have not authorized the opening of any accounts in my name. On XX/XX/XXXX, I submitted a complaint with the Federal Trade Commission ( FTC ) under complaint number # XXXX. Additionally, on the same day, complaints were lodged with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax 's false reporting of XXXX XXXX. 

Regrettably, as of XX/XX/XXXX, my disputes remain unresolved, and Equifax has neither responded to nor acknowledged my complaints. The accounts listed below are erroneously reported on my Equifax credit report and should be promptly removed : XXXX XXXX XXXX  : ** - Account Number : XXXX - Account Number : XXXX To substantiate my claims, I have attached a copy of the quick results generated by Equifax , indicating that the dispute was completed between XX/XX/XXXX, and XX/XX/XXXX. Furthermore, the attached report reflects an alarmingly low credit score of XXXX, which I believe is a direct consequence of the inaccuracies being reported. 

I kindly request that you promptly investigate and rectify these discrepancies in my credit report. I believe it is crucial for the accuracy of my credit history and financial standing. Please provide a timely response acknowledging receipt of this dispute and a detailed plan of action to address and correct the reported inaccuracies. 

Thank you for your prompt attention to this matter. 

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

On or about XX/XX/22, I received a notice of a declined credit card from XXXX XXXX, I also received an alert from XXXX XXXX about a new inquiry from Bank of America., two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as BOA had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account XXXX : XXXX XXXX XXXX : {$4200.00}, inconsistent with other bureau reports. 
Date Reported : XX/XX/XXXX, conflicting with payment updates in other records. 
Date of Last Activity : XX/XX/XXXX, differs from XXXX and XXXX. 
Date of Last Payment : XX/XX/XXXX, not aligned with other records. 
Two-Year Payment History : Late payments reported as XXXX  days late in XXXX, XXXX  days in XXXX, and XXXX  days in XX/XX/XXXX, contradict verified records showing timely payments. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by 15 U.S. Code 1681e ( b ).

Non-compliance with the investigative procedures outlined in 15 U.S. Code 1681i.

Reporting inaccurate information violates 15 U.S. Code 1681s-2.

TILA Violations : Inconsistent and late reporting violates 15 U.S. Code 1666b, requiring timely disclosures.

Failure to accurately report billing information as per 15 U.S. Code 1637 ( b ).

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 
XXXX XXXX XXXX XXXX  Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$1200.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : CreditCard The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient.

In appreciation You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Page XXXX
Product: Debt collection

I contacted and mailed a letter asking for documentation that account was mine and got no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00}.
Product: Mortgage

Last year during COVId I was out of work and my mortgage company Chase Mortgage put me in a forebearance program for a year which they said they would then rework and put the money owed on the end of the loan after the year was up I had not heard from them about the new payments and when I contacted them it took several months for them to finally tell me I have to pay all the back payments owed by the end of the year or my house will go in foreclosure and they are not offering me any other options
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Transunion is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.
Product: Mortgage

Customer ordered appraisal with TD Bank and was charged for the appraisal. Customer decided to proceed with another mortgage company who proceeded to get the appraisal transferred. After numerous hours on hold and several unanswered emails TD Bank finally sent loan officer email about a week later stating that TD Bank does not transfer appraisals.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE CARD RAN MY TWICE ON XXXX XXXX AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is XXXX.
Product: Debt collection

XXXX XXXX XXXX sold products to me for home. One item ( a dishwasher ) was taken back to store. The financing company XXXX XXXX. did not acknowlege the item. Even after XXXX had contacted several times on having the merchandise IN stock returned and out for sale. XXXX kept charging and drafting from our bank account because we were on auto draft. I had to ask for a refund because of the mistake. 
The same thing happened the second month. So, I had to ask for a return again. 
I took my account off auto draft for the item not being returned or recieved in acceptance. 
XXXX Had been notified several times with months going by. XXXX has been listing on credit late payments or no payments.. Damaging our credit when we were trying to buy home. This has prevented us from buying one or credit going up. 
This still has not been fixed. Its a never ending problem. THe manager from XXXX and assistant manager at XXXX and XXXX XXXX XXXX has been advocating for us. But, still no fix. Please help us with a resolution. i also have had over 60 emails and 45 calls in 3 months of problems which is excessive due to the situation.