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

I am writing to express my deep dissatisfaction with the service I have received from US Bank. Upon deciding to close our account with XXXX XXXX XXXX XXXX XXXX XXXX US Bank as an Escrow ), I was not provided with any clear guidance regarding the subsequent steps with US Bank. I was simply told, " someone from US Bank will reach out 30 days after the XXXX account closure. '' Since US Bank 's last communication on XX/XX/XXXX, when I was assured the account would remain open until further notice, I have received no updates or instructions. 

To my alarm, I discovered today that US Bank has ceased sending automatic ACH payments to my business account without any prior notification to me that this would happen. Upon contacting a representative, I was informed that reinstating the automatic ACH payments is no longer possible. There was no way to execute an ACH transfer on the online dashboard, nor could any representative execute an ACH transfer from US bank to my account ( the same account they've been transferring to for over a year ). For a XXXX XXXX XXXX XXXX  this disruption is severely detrimental to our cash flow. What is particularly concerning is that, at no point, was I informed that ACH payments would be halted once the relationship with XXXX ended. The lack of transparency and the resulting situation is unacceptable. 

The suggested solution of using paper forms and mailing processes to resolve this is both inefficient and impractical. I expect immediate action to be taken to rectify this situation. I require access to my funds, which are effectively being held without my consent, and I would like to discuss the necessary steps to permanently close this account. 

They were sued for this during COVID and fined {$36.00} XXXX, but they continue to utilize the same practices. They are holding my money hostage and hugely disrupting the cash flow of my small outpatient psychiatric practice. I have now spoken with several representatives from US bank, was assured that forms to request a cashier 's check would be e-mailed, but all I have received in e-mail is another e-mail for a new representative saying he'd contact me soon to close my account. I have not been able to move forward with US bank to access the tens of thousands of dollars they are currently holding hostage.
Product: Debt collection

ON XX/XX/19 I sent a letter to Credence Resource Management by certified mail # XXXX XXXX XXXX XXXX XXXX, see attached copy with proof of delivery, requesting they provide me with COMPETENT EVIDENCE BEARING MY SIGNATURE, showing that I have or ever had some contractgual obligation to pay them. They sent a reply letter stating that I sent them a " request to verify '' which I did not, I requested specifically they provide me with something bearing my signature. I am so sick of these collection agencies disobeaying the law, who is monitoring them? How can I actually get law enforcement to force them to comply with the law? I have enclosed copies of letters proving my statements above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : CREDENCE RESOURCE MANAGE : added a derogatory Mark on my credit, and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have all my XXXX  bills and report Saying that i cant work and Unable to work during all this time until XX/XX/XXXX. I spoke to them all already and still put Collection on my credit report that is Illegal
Product: Checking or savings account

My account was victim of fraud check deposit fraud scam from a virtual client provided a fake check and now I dont have access to my own account funds the bank told me the issue was going to be solve by todayXXXX and I have no access or any information about my money. Bank Truist
Product: Credit card

TD Bank 's Cash Credit Card has continuously locked my card without my permission. The bank does not allow me to change my address over the phone, everything must be done in person. 

I made a two accidental payments on my card. 
I asked an employee to reverse the charge. This was done. The funds were then left on my account. 
Then company then proceeded to charge me hefty interest fees and late payments in order to obtain the funds.
Product: Checking or savings account

On XX/XX/2019- funds were deposited in error. Bank has refused to reverse payment. Member of the  XXXX XXXX is suffering because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX  {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I was coerced into buying a XXXX vacuum by the owner of the XXXX WI company XXXX XXXX, the salesman ( my boyfriend ) and his manager on XXXX/XXXX/15. They told me they wanted to make quota for the week and that they could resell the equipment and pay it off before monthly payments started up. This had been done before and I should n't worry about it. The manager filled out the sales contract and had me sign it. United Consumer Financial Services said they called my place of employment to verify income and verified the purchase with me but they never did. I 'm a XXXX, living at home and XXXX, I 'm not employed. And my mother is joint owner/signer on all my financial accounts. We have tried to resolve this issue with the company for 10 days with the XXXX but the company refuses. UCFS when contacted, said they verified employment and income but there is no employment or income so who verified it? We asked for a copy of the loan application to see who filled it out and what was written on it, from both XXXX XXXX XXXX and UCFS but neither one would supply it. We just want to return the equipment and cancel the loan. These are preditory and fraudulent practices and should n't be allowed to continue.
Product: Debt collection

Account Resolution Services have not validate the alleged debt. 
Did not provide HIPPA signed document. 
Sold unvalidated debt to the other collection agency.
Product: Debt collection

I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.
Product: Credit reporting or other personal consumer reports

The information provided on XXXX XXXX and equifax are all different, they do not all Have the same Correct information. When I have attempted to reach out to the bank to have this corrected they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2018 My XXXX XXXX was wrecked and totaled. At the time my account had a balance. Prior to my due date my insurance company sent a check of XXXX for payoff of my vehicle. 

There is still a shortage on the account and a gap claim has been filed. I am awaiting for them to send the payment over Per my insurance company it has already been sent. 

However even with the shortage the check of XXXX should have counted towards my payments there is no way Chase should be placing late marks on my credit they just placed one today
Product: Credit reporting or other personal consumer reports

I have lof in credentials for myequifax. When I log in and attempt to freeze or unfreeze my credit it says We are temporarily unable to retrieve the status of your security freeze. Please try again later. It has been this way for over a year. Everytime I have to call Equifax to make changes. I have shared the issues and they state they are sending to IT to resolve. We have changed my user name, we have deleted my account and readded it. Each time I call they leave me on hold for over an hour for a supervisor. They are not doing anything to resolve the issue. " Security freezes ( also known as credit freezes ) are federally regulated and allow you to place, temporarily lift or permanently remove a freeze with a username and password. At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. Placing, lifting and removing a security freeze is free. '' I should be able to log in and easily freeze and unfreeze my credit and would like a resolution as I am not having any issues whatsoever with XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with XXXX Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. 

I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. 

I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. 

I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. 

I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX XXXX Balance : {$4600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX, AMEX XXXX )
Product: Credit reporting

There is a public record on my TransUnion credit report from " MINNESOTA FEDERAL COURT. '' There is no recorded judgment from this creditor. I have disputed in the past with TransUnion, and it has come back verified. I went on to request that TransUnion provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 at XXXX XXXX there was a charge for XXXX on my credit card that i did not make so i filed a complaint with my bank and they refunded me my money but crypto.com froze my account as i had some crypto with them at the time well they made me send photos of myself and change emails and banks everything was good until i wanted to sell some of my crypto on XX/XX/XXXX they would not let me sell, purchase, trade anything even after they got all accounts cleared up i think they are trying to embezzle my assets what do i do next
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX veteran. Upon my return home from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, my card was being paid. I have been a cardholder of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, and again on XX/XX/XXXX two category 5 storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the XXXX XXXXXXXX XXXX loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. 
I am asking you to please help me fix this issue. I am a XXXX XXXX veteran who is trying to buy a home in XXXX because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XXXX/XXXX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

american express has an inquiry on my report without my consent and knowledge. i would like it to be removed immediately.
Product: Debt collection

XXXX has removed the data from MY CONSUMER REPORT as it is inaccurate ... ... See attached File ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report legal complications may arise. 
As stated before ******* ( a bankruptcy never happened ) ********** This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00}, XXXX  XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$210.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ME ) XXXX Balance : {$720.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am devastated by the response I received from CFPB. I submitted a complaint, complaint # XXXX. I stated that the person trying to collect may not be a real party of interest. The servicer wrote you all letter and you closed the complaint. Did you even read the letter. I will attach it here. The letter states the loan when in default in XX/XX/XXXX. How can they be foreclosing on a property that is not even 30 days late. 

In order to say yes I am late I would have to believe a debt is owed to the person attempting to collect and I do n't believe a debt is owed to them by me. 

I need you all to really look into this for me. The assignment that they submitted to a trust that closed in XX/XX/XXXX. Please see the attached PSA. If you go to the definition of cut-off you will see the Trust cut off XX/XX/XXXX. No non performing loan can go into a trust after that cut off date as it is a violation of IRS code 860 A-J. That could possibly be criminal behavior. 

Please investigate this. I am contacting the IRS and the FBI on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information : XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Inquiry Reported on XX/XX/2019 I was getting information on a mortgage from Quicken and they said they were not going to do a hard inquiry but only a soft inquiry. They did a hard inquiry and I contacted them to get that removed and they still have not removed it. I want it removed from XXXX and XXXX credit reports, and XXXX  if it's there too, immediately. They did not have permission to do a hard inquiry.
Product: Credit reporting or other personal consumer reports

I write to dispute data by XXXXXXXX XXXX  XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if XXXX XXXX. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.
Product: Checking or savings account

XX/XX/year>2025 Capital one restricted my account and said they are not doing business with us anymore due to us being a liability. But will not release my money on my account until investigation is over they say. But will not give me a reason for investigation. That is all the money I have for me and my children and they will not give me any answers nor my money.
Product: Credit reporting or other personal consumer reports

NO LATE PAYS, ACCOUNT WAS IN DISPUTE WITH XXXX XXXX XXXX XXXX COMPANY KNOW THIS, I CALLED XXXX, EVEN YOUR EMPLOYEES AGREE IT IS REPORTED INCORRECTLY. I WON MY CASE, PAID YOU AND YOUR INTEREST RATES, NO LATE PAYMENTS SINCE THE CASE WAS IN DISPUTE AS YOUR COMPANY ALREADY ADMITTED TO THIS. DO WHAT IS RIGHT AND BACK UP YOUR EMPLOYEE 'S TAKE THE NEGATIVE INFORMATION OFF MY CREDIT REPORT TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an Illinois Child Support item to my report that is not correct at all. It is paid in full and has never been late ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out that I was a victim of identity theft back in XX/XX/2019 Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.
Product: Debt collection

During my personal investigation of this American Financial Services being on my XXXX report even after countless efforts to get them to cease reporting the debt, I became aware that they are not allowed to collect debt in the State of Michigan without being licensed. Reporting information to a credit bureau is widely upheld as a collection activity, and as this is being reported to XXXX, I consider this unlicensed and unlawful activity.
Product: Mortgage

I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well, I 'm never late and it is only the XXXX of the month so I 'm well within my grace period. I went OFF on the lady ( i actually felt bad ) but only becasue my experience with BAC has been so horrible. I went into BAC main office and they verified that this was scam number- they are NOT BAC and my loan was in good standing. There has to be away to block this company up for harassing people- playing with peoples homes is no joke! i called the # back and it says they XXXX and they have all my account info. CREEPY!!!!!!!! '' XXXX