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

I opened a checking and savings with Citibank online on XX/XX/2021. I had an ACH direct deposit put into the account on XX/XX/2021 from my employer XXXX. Citibank froze my account immediately. They said due to not being able to identify me. I offered my birth certificate, social security, and ID, and they would not accept it for identifying me. I have not been able to access the funds since XX/XX/2021. There is over XXXX dollars in the combined accounts. I have called this bank over 13 times, and emailed 5 members of corporate 3 times, emailed customer service 6 times, and tried to message the official Citibank XXXX 4 times in an attempt to identify myself and gain access to my funds. They have told me I would receive a letter with further instructions on how to identity myself in 7-10 business days. That was 3 weeks ago. I have reported to them I have never received this letter, and they said you will have to wait. I cant wait anymore. I am a mother, and losing out on this much money has been devastating to my financial health. I have incurred hundreds of dollars in fees because of returned items from Citibank. My car payment was returned and I had a fee. I lost my good standing at XXXX due to a check being returned. The XXXX account is now frozen because of this check I wrote myself from Citi being returned. This is the most frustrating situation. There has been no help from Citibank at all, and they have told me I would not have access to MY money unless I identified myself in the way they predetermine. I dont understand why certified legal documents arent enough. Please help me.
Product: Checking or savings account

I deposited a check from a trust account my grandfather set up before he died for {$4700.00}. I get a check from this account t every year in XXXX. This year, I deposited the check on Monday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, the check had cleared and all of the funds were in my account. Since I knew this check was coming, it is the only income I have for the month of XXXX, so I used that money to pay all of my bills online for XXXX. Later in the day on XX/XX/XXXX I checked my account and my balance was - {$3000.00}. It seems that AFTER they had cleared my check and deposited the funds in my account, they changed their mind and decided to put a hold on the check and they withdrew {$4700.00} from my account to hold for 7 days. Since I had already paid my bills this put my account {$3000.00} in debt. This triggered an overdraft protection payment to cover that debt as well as zeroing out my US Bank Credit card. I will have to pay the interest on these charges. It is completely unethical for a bank to deposit funds into your account and then later on, after you have spent a good portion of those funds, decide to hold those funds and withdraw that money from your account. US Bank should be held accountable for this predatory practice. I will now have to pay interest to US Bank 's overdraft protection and credit card because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX Late Date XXXX, XXXX XXXX XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX are reporting XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and Experian are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}
Product: Debt collection

This company ( Healthcare Collections-I , LLC ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. This company stated I have a daughter named XXXX XXXX  which I do not. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation along with a letter from an advocacy group assisting me due to my status as a victim of human trafficking involving debt bondage. This situation qualifies as trafficking under the XXXX XXXX XXXX XXXX ( b ) ( 4 ) -5 and XXXX ( b ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts on my credit report.
Product: Checking or savings account

On XX/XX/XXXX two charges in the amounts of {$31.00} each were fraudulently made to my Bank of America checking account through use of my debit card number. The company was XXXX  that processed those charges. I immediately called BofA and they credited back the two charges and opened investigations. On XX/XX/XXXX, I received a letter from BofA saying that XXXX, their investigative service, had closed the claim and determined that I HAD made the charges. They determined this because the person had my email address and mailing address and those " matched ''. Also, they claim a similar charge was made two years ago that I never called out as fraud - that charge doesn't exist - I've looked. Never mind that the person used a name that wasn't mine and a phone number that isn't mine either. 

As of XX/XX/XXXX, I've now talked to 7 people at BofA Claims, each of whom has promised me different things and given me different information as to what I need to do to re-open the claim. As of today, the bank also took the money out of my account again after promising me that they extended it to look into the matter until XX/XX/XXXX. I was told to fax a letter to re-open the claim, which I did two days ago, along with the paperwork from XXXX. NO ONE at BofA told me to put the claim number and other info on top of every single page. So now their telling me they can't do anything until I do that again. 

I have been with BofA for 30 years and am pulling my money out ASAP. They support fraud against their customers and so is XXXX, the company they use for investigations. I will never do business with Bank of America.
Product: Credit card

My BILT Elite ( Wells Fargo ) credit card has a fraud transaction that happened over my limitation. I only have XXXX limitation on that card and I only use it for my renting payment. However, after I spending XXXX  on my renting and there is an overcharged transaction that was not made by me getting approved with my card. How can that happened. I never received any email or text or call from the bank for this over changed transaction. The bank took no reaction on my fraud transaction!!! The transaction was happened in Florida when I am living in MA. I called the bank and they r not helpful at all ( they asked me to pay that amount first ) Stay away from Wells Fargo!! I always pay my bill on time and this is how they treat me when I have been scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to link my XXXX bank account to Self, a credit repair service because there is a fee if I use my debit card when making payments. If I link my bank directly, there is no service charge when making payments. Apparently, XXXX doesnt allow to link accounts like this.
Product: Checking or savings account

Ally will not allow customers to have more than 3 checking accounts. This is a significant issue if you want to open checking accounts for your XXXX XXXX as those accounts have to be opened as a custodial account.

I currently have 3 checking accounts open at Ally that are all joint accounts for me and my husband : ( 1 ) used as my personal account ; ( 2 ) used as my husbands personal account ; ( 3 ) used as a joint account for joint expenses. I want to open a checking account for my minor son. I tried to do it online and was told that I had already hit my limit of 3 checking accounts, even though this last account would be a custodial account for my child. I tried calling customer service ( XX/XX/year> ) and was told the same thing and that there are no exceptions to this, although it was unclear if the agent fully understood my request. The only account available would be a savings account. However, a savings account is subject to transaction limits and per Ally 's website they will " close your account if you exceed it on more than an occasional basis '', so a savings account is not a feasible solution. With this policy, there would be no way for a parent with XXXX or more XXXX  to hold checking accounts for their children at Ally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing issue with Wells Fargo for over a year now that is their error and has lowered my credit score over 30 points due to their negligence.

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and Wells Fargo was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with Wells Fargo, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that Wells Fargo does not care. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and found out I had 12 inquiries and only 2 where autorized and valid, Also I have collections i have no knowledge about, i also saw duplicate collections from a so called XXXX XXXX XXXXXXXX I have requested multiple times for a investagation, resolution & correction with proper actions this has not been taken place under the fair credit act. I have showing collections of some medical by ARS ACCOUNT RESOLUTION this i have no knowledge and believe i being scamed on collection
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX I filed a complaint with NJ state XXXX XXXX XXXX. 
Credit Acceptance Corp in conjunction with XXXX XXXX XXXX has breached the financial contract. 
I was also over charged on a XXXX XXXX XXXX. 
My XXXX insurance payments were never documented.
Product: Mortgage

My loan originated XX/XX/XXXX. At that time I was advised by my lender that once my home reached a certain value and my loan was deemed less than XXXX % of the value I could have my mortgage insurance removed/cancelled. In XX/XX/XXXX due to home values increasing I contacted Wells Fargo to inquire about having my mortgage insurance removed/cancelled, they stated to me I had to wait until the loan was XXXX XXXX XXXX which would be XXXX XXXX. Well XX/XX/XXXX I contacted Wells Fargo. They stated that I reached the 5 years but my loan principle had to be $ XXXX. I asked them where they got that figure considering my home value has increased and they could not give me an answer. I spoke with several other parties including a real estate attorney and other mortgage professionals whom stated that Wells Fargo should be advising that I can order an appraisal to show that my value has increased and that my loan was under the 80 % requirement. I reached out to Wells Fargo again on XX/XX/XXXX and they stated they would mail me information on how to get my mortgage insurance removed. It is now XX/XX/XXXX and I have not received this letter. Additionally I pay {$170.00} per month for mortgage insurance. Based on my home value and reaching my 5 year requirement I should have had this removed by XX/XX/XXXX first 's payment. I have paid a total of {$520.00} in Mortgage Insurance premiums that are not necessary as my principle balance on my loan is well below the 80 % requirement. Please help in getting this resolved. Wells Fargo likes to offer me to refinance but WHY would I add years to my loan when they can simply remove my mortgage insurance.
Product: Debt collection

there is collection charge for XXXX usd in account which needs to be removed since it got opened fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX I used CareCredit ( Syncrony Bank ) to finance XXXX through my dental office. The total balance was {$4500.00}. The terms were for XXXX 0 % APR. My dental office set up the account for me and I chose to do automated monthly payments of $ XXXX. However, unbeknownst to me, the payments decreased each month for a percentage of the overall balance. My statements each month simple said thank you for your payment without an actual dollar amount. After the 18 months, I was hit with a very large interest fee ( over {$2000.00} ). I called care credit and found out that my payments were reduced to $ XXXX, meaning I had a remaining balance. They offered to revert the interest charges if I could pay off the account in full within 30 days. I made two payments and over the next 30 days, and the interest was reversed. However, I overpaid because each team member I spoke to gave me a different total owed. Once we finally figured it out, the account balance was now {$0.00}. A week later, I was charged {$1.00}. When I called asking what the charges were for, they declared I had signed up for a security product that insured my account. I asked them to cancel that, as there was nothing to secure. They sent me to a third party, who refunded me over {$700.00} that I had apparently paid over the 18 month contract. If I had not received that {$1.00} payment, I would have never known that I paid that much or that I could get it back. The money was returned to care credit and I had to call multiple times to receive the payout check. A few weeks later ( XXXX XXXX  ), I received a bill from my dental office saying I owed them {$4500.00} for my XXXX  Without my knowledge, carecredit reverted my payment to my bank. They told my dental office that I was unhappy with the XXXX ( this was never my complaint ). When I called carecredit, they told me they reverted the charges due to my complaint to the XXXX  They never sent me any written notice of this. When I asked about it, they said a letter was sent ( it was never received, despite receiving the original refund check from my security insurance ). They then stated they sent me a refund check for {$6500.00}. This was {$2000.00} more than I originally paid. I reached out to them twice ( in the beginning of XXXX XXXX XXXX ) to pay them back for overpaying me. I was told by their manager that they would charge the card so I could pay online. They did not give me any other option to pay. It has been 3 weeks now and I still have no received any charges on the card in an effort to pay them back. I still have no received any information on why they reverted the payment maybe in XXXX to my dental office ( that I had already paid in full ). I now owe them money and they are not charging me or giving me an option to pay them. I worry they will attempt to charge me interest on the money they overpaid me.
Product: Credit reporting

I applied on-line to get my free credit report because I received a letter from the IRS stating that I should check them for fraud due to some activity suggesting that someone tried to use my information. I got the other XXXX reports but could n't get Equifax 's report because it said I did n't answer the security questions correctly. Later they sent me a notice of the same but I noticed that the address was wrong but the mailman got it to me because I 've lived her for 20 years. I called Equifax , explained the situation, asked them to correct it, then they told me it would take 30 days for the change to occur. They said I could join their club for a monthly fee and get the report right away and when I reminded them that they are supposed to send me a free report they said my one attempt was all that was allowed, I would have to pay. Today, about 3 days later, I just received an email saying my dispute was resolved and a link to see the results. I followed the link, entered this case number and other information and it said " Case Resolved ''???? This has got to be the most useless company on the face of the planet.
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. 

Account : XXXXXXXX XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX  : # XXXX 15 USC 1681 section 602 A. 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 an account without my written instructions. 

15 USC 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 with antedates the report by more than seven years. 

15 USC 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, credit repair services, or other personal consumer reports

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.