23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got a loan to pay off my credit card. The loan company mailed a check to Discover Card to pay off the balance of under {$500.00}. Discover posted the payment to the account on XX/XX/year> but never updated the balance on my card. When I called, they said they had put an 8 day hold on the payment and they couldn't release it because the check came from the loan company and not me. This hold is insane when Discover deposits this check to the bank the bank can't place a hold of 8 days on all of it. Per REG CC guidelines Delaying Funds Availability For certain types of deposits, Regulation CC permits financial institutions to delay, for a " reasonable period of time, '' the availability of funds. A " reasonable '' time period is generally defined as one additional business day ( making a total of two business days ) for on-us checks, and five additional business days ( total of seven ) for local checks ; your institution may impose longer exception holds, but you may have the burden of proving that they are " reasonable. '' The six types of deposits that are eligible are 1. Large Deposit {$5500.00} - does not apply to this payment 2. Redeposited checks- does not apply to this payment 3. Repeated overdrawn - only applies if Discover constantly overdraws their account.

4. Reasonable cause to doubt the collectability. - does not apply to this payment 5. Emergency conditions- does not apply to this payment 6. New Customer - only applies if Discover opened a new bank account to deposit this payment into. 

So, by law the bank Discover deposited this payment to is required to make the fund available to them within 2 business days. They are holding this payment for under {$500.00} 8 business days which is beyond anything the bank could do for a deposit less than {$5500.00}. Imagine going to a grocery store to buy groceries paying with a check and being told you can come pick up your groceries in 8 business days because we are putting an arbitrary hold on your payment. 

Discover Card should use more common sense when processing payments instead of irrational policies. This check came from a credible company. It is for a small amount. They should apply the same reasonability test that banks use when they place holds on checks. 

The law should be changed to cover credit card companies also, so they are required to make funds available in reasonable time periods.
Product: Checking or savings account

I opened personal checking account with Citibank online on XX/XX/XXXX. I connected my XXXX  XXXX and transfer my {$1800.00} to my Citibank account online. I was trying to login to my account using Citibank online app and Citibank login through the desktop website I was unable to see my account it was just a white blank page. I contacted Citibank on numerous occasions why I couldnt check or login to my account, they said my account was closed but they wouldnt give me a definite reason as to why. They said they closed my Citibank account and theyll send me a check of the remaining balance in my Citibank account today is XX/XX/2021 and I still havent received my {$1800.00} check in the mail.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, XXXX, I did a personal credit check through Credit Karma and found out that a mortgage had been taken out in my name XX/XX/XXXX in which I was incarcerated. And have proof of. There was also a Ford vehicle was also on my credit report. Due to the date I was XXXX at the time and unable to buy a vehicle. I need to have my credit reviewed and fixed with your help Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$490.00} XX/XX/year> Company was contacted of debt 3 times, they placed debt in collections without notification or agreement. Reported false information of late payments and dates of debt. 

XXXX XXXX XXXX {$7000.00} XX/XX/year> Company was contacted of debt 3 times, they placed debt in collections without notification or agreement. Reported false information of late payments and dates of debt.
Product: Credit reporting or other personal consumer reports

There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. Citibank NA, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XXXX XXXX XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Product: Debt collection

I hope this message finds you well. I am reaching out regarding my credit file. After contacting XXXX XXXXXXXX and XXXX about the accounts on my credit report, it's clear they can not provide records for the mentioned accounts ( XXXX XXXX XXXX and XXXX XXXXXXXX ). However, both companies acknowledged the situation and agreed to update my credit file.
Product: Credit card or prepaid card

I have not received a statement by mail or email notifications from HH GREG store credit card since the company went out of business. When I contacted customer service they refused to look into the issue and when I asked to speak to a supervisor I was hung up on twice. One representative advised I would have to login to see statements however the website does not allow this per the attached screenshot
Product: Money transfer, virtual currency, or money service

complain coinlist because Yesterday morning at XXXX I turned XXXX usdc mi usdye in the coinlist. My money has been withdrawn from Usdc parity but I haven't had money in the USDC department in the past 1.5 days. I have no money in the us department. I'm e-mailing no response. You have no right to suffer like this, i haven't had a response in days, i sent an e-mail, twett, and no one answered.
Product: Debt collection

CBS Collect is trying to collect on a debt for {$250.00} for XXXX XXXX XXXX XXXX that I am already paying through XXXX. I have tried to reach out to them to have this removed but when I call I am placed on hold and no one comes back on the line. This collection shows on my XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX TCF bank authorized XXXX XXXX to recieve a {$110.00}. payment from my checking account. I contacted the back the same day I explained to the bank that I did not authorize this transaction. I requested an investigation to be made into this purchase and I acclaimed that it was fraud. I also contacted XXXX XXXX and requested that my funds be returned to my account. For the next 4 months TCF bank harrassed me lied and continued to take money out of my account causing mental and financial distress. I have been a customer with this bank for over 12 years i have never overdrawn my account. i called this bank numerous times and spoke to numerous reps explaining that the refund had been issued i was even told that the situation was resolved. I went to a local store to purchase a cup of coffee my transaction was declined. I was so frustrated and embarrassed i couldnt understand what was going on. I then got a letter saying that after the investigation they resolved it was my fault and it was something i had to take up with the company. Now 4 months later XX/XX/XXXX the bank goes into my account when i had exactly the amount to cover my transactions the bank tries again to recover {$110.00} from my account again sending me into the negative and switching the dates on the statement to seem as if their transaction was before my transactions that i had funds for and charged me 3xs {$35.00} over draft fees TCF and started sending me letters for their money. How is it that a bank can look at an account and maliciously attempt to aggresively collect revenue from a false claim? The bank gave zero effort into the investigation they claimed that was done because i contacted the company and used it as an attempt to collect money from me a poor single mother of XXXX a loyal customer who actually had the funds to pay for my purchase.???
Product: Credit card or prepaid card

I reported my card stolen and have contacted the police when it was stolen and it still has not been fixed the card company refused to give me the money and when I asked to close the account they said they did and it has been over a week and still has not been closed. I first attempted contact with the company on XX/XX/XXXX. After fighting back and forth for my money I requested on XX/XX/2022. It is XX/XX/2022 and my account has not been closed and I have not received any money and they just keep telling me to activate my new card but the system keeps transferring me and the bank refuses to give me my money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 D ( 2 ) A ( 1 ) states reports containing information solely as to transactions or experiences between the consumer and the person making the report. Personal transactions should not be apart of the consumer report to non affiliated 3rd party companies. Late payments should not and do not exist on your consumer report. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX a month ago, stating my score had dropped. After checking this report, I noticed Capital One reported my account late. I entered into an agreement with a third party, consolidating all of my credit cards. Capital One signed on XX/XX/2017, with the new terms and monthly bill. After founding out this information, I called and spoke with Capital One, that said, they were behind on reporting and it would be experdiate and handled in a timely manner. As of today, nothing has been done and my report is still negative. I am working on my credit to buy a house, and this is hurting my chances.
Product: Credit card

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The USAA SAVINGS BANK is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. USAA SVG BK XXXX
Product: Debt collection

This debt does not belong to me. Please remove this from collections. If you would like me to send my police report or ftc report please send me a fax number to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

XXXX XXXX has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with XXXX XXXX. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

XXXX XXXX has no rights to collect in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to Experian on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Experian on XX/XX/2019. In return Experian sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to Experian on XX/XX/2019. Experian received this notice on XX/XX/2019. Experian sent a letter stating that I needed to do my own method of verification. However being that this company validated debt on my credit profile that did not belong to me, they are the ones who are responsible for furnishing information on how they were able to validate said debt.
Product: Credit card or prepaid card

I have had difficulties with the Bank of America claims department regarding two charges to my account from XXXX as follows : XX/XX/XXXX - {$91.00} XX/XX/XXXX - {$91.00} After initially disputing these charges, these were credited to my account on XX/XX/XXXX and XX/XX/XXXX. However, one of the {$91.00} charges was reversed back to my account on XX/XX/XXXX. 

I believe there was confusion on their part and they thought the two credits on XX/XX/XXXX and XX/XX/XXXX were duplicates. They were not - they were both credits to the two disputed charges of the same amount. 

I have spent considerable time both on the B of A website and on the phone trying to explain to them why this should not be a valid charge. After several months and numerous attempts, I have given up and canceled the card.
Product: Credit card or prepaid card

I want to bring your awareness to an issue I encountered on the morning of Saturday XX/XX/XXXX. I have a new Nordstrom credit card account, the first bill for which was due on or before XX/XX/XXXX. I logged into my account to pay my bill in full and the amount due was more than expected. However, there were no fees or interest charges noted ( nor applicable as it was first month 's bill and not late ). After speaking with customer service rep, she told me that my payment due ***was*** actually less than noted. After some prodding she told me that Nordstrom adds a {$25.00} late fee to all online accounts when the payment is due on a weekend, in anticipation of the bill not being paid on time. Yet there was not a single notation of a late charge, fees, interest, etc. on my online account - it just shows payment due, with the secret late fee incorporated into the amount due, and the due date. I would never have known this if I had not called customer service. I assure you, she did not waive a late fee. Yet, had I paid online, I would have had no choice to pay a late fee that wasn't even disclosed. I have to assume Nordstrom is making bank off customers just assuming that they are paying their amount due on time when actually they are paying their amount due + an undisclosed and irrelevant late fee of {$25.00}. I believe this is fraud.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violations before removal. I have already attempted to invoice for the damages and federal violations but while being ignored by TransUnion I noticed more violation from the reporting and I have up to 2years to complain about all the federal violations from the XXXX XXXX  report, so I have an updated invoice. TransUnion has removed XXXX XXXX  off my consumer report after I complained about being violated which is proof that I was being violated. Under 15 USC 1681n - Civil liability, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my invoice for the XXXX XXXX federal violations attached below and also a marked-up consumer reporting showing the violations.
Product: Credit reporting, credit repair services, 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. 

ALL ACCOUNTS & ALL INQUIRES 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 XXXXXXXX has violated my rights as follows : 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 an account without my written instructions which I have NOT provided. 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 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.

Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be deleted from my credit report immediately. Remove these items listed at your earliest opportunity.