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

On XXXX XXXX, I went to Bank of America to deposit a check for {$68000.00} at the time I made the deposit I was told that they would put a hold on the check and would release {$5300.00} on XX/XX/XXXX after XXXX XXXX  and the remaining balance would be made available on XXXX XXXX after XXXX XXXX. The deposit was made at XXXX XXXX on XXXX XXXX. I subsequently have found that the hold is actually the entire check and at XXXX XXXX. The entire check was held because they had indication that the check may be fraudulent with the bank at XXXX and the funds are available. It's not a fraudulent check, Bank of America lied to me when I made the deposit they bait and switched. If I knew the entire check was not gon na be made available until the XXXX. I would've gone to XXXX XXXX  to cash the check and bring the cash to Bank of America. Bank of America will say that that in their terms of service that they can put a hold on a check at any moment but what Bank of America confirmed was it when I made the deposit XXXX XXXX  and was told that funds would be made available on the XXXX after XXXX XXXX  that in fact, the entire check was going to be held because the times that were put on the account were exactly the same. Bank of America said they saw were XXXX would be made available and that was decided at XXXX XXXX  on the XXXX and yet again at XXXX XXXX  on the XXXX the entire check was held, to be released on the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX linked with autopay XXXX XXXX  XXXX XXXX Credit Card. I closed my account with XXXX XXXX in beginning of XX/XX/2017. Thereafter I requested XXXX XXXX XXXX to freeze my account and they never completed my request. A charge of $ XXXX/- came through for XX/XX/2017 fraudulently from XXXX XXXX for the entire month. I disputed the charge with XXXX XXXX XXXX Card with all supporting documents ( including vacated unit receipt from XXXX XXXX ). XXXX XXXX did not help me kept adding late charge and reported me to the 3 Bureaus as Charge off $ XXXX/-. As a result my excellent credit scores maintained all these years went drastically down. As a result my financial situation got effected and my mortgage is still sitting unapproved. I contacted all the three bureaus with similar dispute and all supporting documents and as a result XXXX XXXX and XXXX recognized the fraud and deleted the charge off from XXXX XXXX from my account and report as a result my XXXX XXXX score went upto XXXX and XXXX to XXXX. Unfortunately, Experian has still not helped me inspite of repeated calls, disputes and emails. My score still sits at XXXX. This is very frustrating and ridiculous my financial condition is still effected and my mortgage approval is in limbo. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a fraudulent account listed on my Consumer Credit Report. an account was established using identification without my permission. EXPERIAN should have deleted or removed the account from my Consumer Credit Report immediately
Product: Credit reporting or other personal consumer reports

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report. 

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- CHARGED OFF CITICARDS CBNA- CHARGED OFF XXXX XXXX XXXX- CHARGED OFF XXXX, XXXX , XXXX , XXXX Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to the above companies written, unwritten, verbal or non verbal to report my nonpublic personal information. The above companies are in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by the above companies that my nonpublic personal information was going to be shared to non affiliated third parties. Do not get me started on securities fraud. I want all 3 accounts removed from my credit report before I take this to the highest level possible.
Product: Credit reporting or other personal consumer reports

This is just a follow of with the company with the eviction notion the company asked for more detailed information. The eviction is from XXXX XXXX XXXX XXXX in XXXX Indiana. This currently has me homeless because it has a false eviction on my credit and every apartment is denying me because of this eviction
Product: Credit card

I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. Specifically :

15 U.S.C. 1681b : This section requires that a consumer report can only be furnished for permissible purposes and with the consumer 's consent. The creditor has provided my credit report without proper authorization. 15 U.S.C. 1666b : This section prohibits treating a payment on an open-end credit account as late if it is made within a reasonable timeframe. The cred
itor has incorrectly reported my payment as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Enhanced Recovery Co add a derogatory mark on my credit report per credit karma Upon, further research this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Enhanced Recovery CO has violated my rights as a consumer and Im requesting legal action to remove this amount immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed an Inquiry on my credit report. That day was a Saturday but the dispute investigation was completed within hours. Knowing it was almost impossible for a thorough investigation to had been done, I submitted another dispute the next day which was a Sunday. This time my dispute was investigated and I was notified within hours. The inquiry was placed on my credit report by XXXX XXXX. I think its impossible for Equifax to have gotten proof two times within two days days from XXXX XXXX. If a proper investigation would have been done, XXXX XXXX wouldnt have been able to produce anything evidence showing that I attempted to obtain credit from their company. I dont shop in their stores so its ridiculous that I would want a store card from them.
Product: Debt collection

National Credit Systems , Inc. of N.C. 
XXXX XXXX XXXX System XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for National Credit Systems , Inc. of N.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXXXXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

National Credit Systems , Inc. of N.C., has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Costco Citbank closed my account with no notice and has made it impossible for me to make a payment or access my credit card statements. They have submitted information to the credit bureaus that have tremendously lowered my credit score and has drastically effected my life. I have been trying to get this resolved with Costco Citibank since XXXX. The one and only letter I received in XXXX to why my account would be closed has incorrect information on it. Whomever the " Citi Team '' is has not contacted me, although I have requested to be contacted several times via citibank supervisors. The general supervisors would like to assist me but are unable to assist because the account is restricted from them being able to do anything. They can only send an email, there is no phone number for them to get in touch with the " Citi Team '' that should be fixing my account. 

The only thing that has been done by the " Citi Team '' is reporting that my account was closed with a balance owing of {$1000.00} and in XXXX that the account was 30-60 days past due. The account being closed and the balance not being paid has been out of my control and all due to the fault of Citibank. 

Please see my attached uploaded detailed notes of the actions I have taken to get this matter resolved. 

Today I submitted a dispute to XXXX  and XXXX, also trying to get this matter resolved.
Product: Mortgage

The United States Bankruptcy Court in XXXX XXXX County granted a discharged under chapter XXXX, on my behalf the debtor XXXX XXXX on the XXXX/XXXX/2015. The case no. XXXX. There was no lien on my property, no contact to me by mail, phone, or otherwise to file or continue lawsuit to attach wages or to take any action to collect a discharged debt from the debtor -- -A creditor who violates this order can be required to pay damage and attorney 's fee to the debtor. M & T Bank and XXXX have violate that court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard enquiries are fraud I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive viewing how this account from XXXX XXXX is reporting on Experian. This account has been. Closed since XX/XX/2018 according to first progress. Yet Experian is reporting the account charge offs EVERY MONTH. Can you imagine the damage this has on my score. I may be wrong but as a consumer I thought the bureaus has an obligation to report with accuracy per fcra. Im asking for deletion of account for the inaccurate reporting if they fail to correct this
Product: Debt collection

I sent a letter out to XXXX XXXX in XX/XX/2017 for verify the debt on this account. I never received anything in return about the debt.
Product: Checking or savings account

I have uncovered fraudulent, misrepresentation and deceptive practices by Citibank Banking. Citibank is intentionally posting erroneous and false Available Balances and false or inaccurate End Of Day balances designed to misrepresent the consumer 's accounts. My balance was close to {$4000.00} in the bank on XX/XX/19, and the available balance reflected this amount. Therefore I made some ACH payments to the bank and wrote a check. Both charges were returned for Insufficient Funds the next day and charged {$34.00} fees, even though the bank balance lists the End Of Day balance at roughly {$3800.00}. Citibank gave a reason for this, there were other pending charges made on the XXXX that reduced the balance available and thus these payments were rejected. However none of these pending charges were visible on the Citibank website. None of the balance was reduced at any time of the day. And the End Of Day balance prior to XXXX  and after XXXX  still showed the full {$3800.00} available. When speaking to Citibank multiple times via phone and chat they admitted that the end of the day balance is " wrong '' and not accurate, and I can not see the other transactions pending. The next day ended had a positive balance, and the end of day balance again was still over {$2500.00}. Yet I received NSF fees for these two payments and they were returned. When it was the XXXX, these transactions which were pending finally appeared online and posted, yet they were backdated to the XXXX. After speaking to Citibank about why they are posting false Available Balances, and worse, false End Of Day balances, they had no answer and yet refused to reverse the fees even after escalating to the supervisor division. It is clear Citibank has intentionally created computer algorithms designed to post false balances and trick consumers into making payments against a balance which doesn't even exist, in order to maximize fees. This is fraud and theft plain and simple to misrepresent and print, daily, a balance that doesn't exist, especially for multiple days at a time. Fortunately I have collected screen shots of all of these transactions chronologically as evidence.
Product: Credit card

I received a text from my U.S. Bank Visa credit card asking if certain transactions were made by me. I immediately said no. They then called me within seconds and we went through the transactions that I did not make. They appear to be for rent to XXXX XXXX XXXX  for {$350.00} on XX/XX/year>, XXXX XXXX XXXX for {$240.00} on XX/XX/year>, XXXX XXXX for {$260.00} on XX/XX/year>, XXXX XXXX for {$75.00} on XX/XX/year> and XXXX XXXX XXXX  XXXX  XXXX  for {$250.00} on XX/XX/year>. These are all in the XXXX, XXXX area. I live in XXXX, XXXX. 

I waited for the credit card company to research the fraud and received a letter dated XX/XX/year> that the transaction for XXXX XXXX XXXXXXXX XXXX XXXXXXXX benefitted me in some way. I then called to be given multiple different reasons why it could have been, but no concrete evidence. I requested the evidence be mailed to me so I could file a police report. That was on XX/XX/year>, and I still have not received any documentation. 

I have a feeling that they are going to do the same things with the other charges, since they are all similar in nature. I have never lived in XXXX and can prove I was in XXXX, XXXX  when the charges were made as was my family.
Product: Checking or savings account

Wells Fargo first told me they. Any process payroll for me because I have lots of staff dont have social security numbers. At first, maybe I thought theyre Arizona based company and dont understand CA. Then I found out another different entity that I operate in WA got closed too ( all staff there have social security numbers ). I asked them why then they said because of me. 
Then about a month later, I got letters fro Wells Fargo to inform me that its their business decision to close all of my accounts on XX/XX/2019. They didnt tell me any reason but told me its their business dicision and nothing else.
Product: Credit reporting

Equifax is reporting erroneous information in my credit file regarding a Bankruptcy from 2011. I have tried without much success to have Equifax remove the bankruptcy that is associated with my name and credit file. The latest result was a " confirmation '' that the information was indeed mine after the company " verified '' their information through XXXX. After speaking with an Equifax representative, it has come to my attention that the reporting agency makes use of third party reporting agencies. How Equifax came to their conclusion is dishonest and this makes what they are reporting invalid. I know for a fact that the court systems to not verify public records with the credit bureaus or third party reporting agencies. Equifax is using their insistence on their information being correct to ruin me and my credit file.
Product: Checking or savings account

On XX/XX/XXXX I received an email from my bank ( Santander ) informing me that my landlord did not cash my XXXX  rent check and they returned the funds to my account. When I paid my XXXX  rent using Bill Pay, like I normally do, they sent my landlord her XXXX payment as well as the check from XXXX. She received both checks XX/XX/XXXX. Naturally she was confused, so she called my bank and they told her that she could not cash the XXXX check because the funds had been returned to my account. I called Santander to find out why they had sent her the XXXX  check instead of returning it to me and why they had given her my account information ( the funds being deposited back into my account ). Basically their reaction was " Whoops ''. I feel that my privacy was violated by sending her that check and telling her that the funds had been deposited back into my account. I was told that the check was sent back to her because that's the only address they had. I find it very difficult to believe that a bank I have been doing business with for over 20 years does not have my address.
Product: Mortgage

I have been working with Citi Mortgage for a very loan time in trying to receive a loan modification. Back in XX/XX/XXXX, I was working with XXXX XXXX a Rep at Citi. We provided all documents for review on XX/XX/XXXX and the file then was officially in review and we were informed that the file was reassigned to XXXX XXXX. On XX/XX/17, we called for the status of the account and scheduled a phone appointment with XXXX XXXX for the following day at XXXX ( we never received the call ). On XX/XX/17 we spoke with Citi and they advised of the exact same documents that were previously provided on XX/XX/17 ( we re-emailed them to XXXX AGAIN anyway ). On XX/XX/17 we spoke with XXXX for the first time since being assigned and he advised that the file had been closed out because the documents were never sent in? XXXX was able to confirm that the documents were in fact received and he would have the file re-opened again. XX/XX/17, we spoke with XXXX who advised that the file was still in review. Again XX/XX/17, still in review and pending a decision. XX/XX/17-Still with the Underwriter as of XX/XX/XXXX. XX/XX/17-Spoke with XXXX with Citi and she stated XXXX noted as of XX/XX/17 account was still in review and she also advised that there were no additional documents needed. XX/XX/17- Emailed XXXX XXXX for a status update ( no response ), XX/XX/17- We called in to Citi and they advised that they need all updated information including the Letters of Explanation that they had been provided before. At this point, i feel like i have been given the run around from them. They continuously request the same information that we provide to them and it just becomes a viscous cycle. I just need your help and i do not want to lose my home.
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 accompanyin g 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received any information from this company and upon checking my credit report I noticed this collection and I sent a validation of debt and I never received any information from them stating that I owed anything. This is effecting my credit negatively and needs to be handled.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX XXXX XXXX {$400.00} # XXXX opened at XXXX, XXXX. System {$2300.00} # XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX opened XXXX XXXX XXXX XXXX {$530.00} # XXXX opened XXXX, Acceptance Now {$2200.00} # XXXX opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against XXXX XXXX XXXX TransUnion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the Transunion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX