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

On XX/XX/2022, I deposited a check from a loan from my XXXX to with my bank 's ( Wells Fargo ) ATM machine. On XX/XX/2022, those funds showed as " available '' on my account. I was notified on XX/XX/2022 that those funds were now on hold for the next 8 days. Upon calling Wells Fargo on XX/XX/XXXX, I was informed that I needed to call the " maker of the check '' and would release the hold. I called the maker of the check, XXXX XXXX who confirmed and verified that the funds were processed and the check cleared through their bank, XXXX XXXX XXXX on XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX inquiring why there was still a hold on the funds when after I did what was asked of me on XX/XX/2022. The call was escalated and the next level representative hung up on me. After calling back on XX/XX/XXXX, the only thing that could be told by the representative was " regulation cc ''. No further information or injury was given. Upon further research into XXXX XXXX, it is stated that after XXXX business days, at least {$4000.00} is to be made available. This was not the case. On XX/XX/XXXX, I went into Wells Fargo and spoke with a banker, who had to call the back office and then conference call in XXXX XXXX to confirm the check and state that it had been cleared, only then were the funds released. This is not the information that was given to me on the phone call I had with the Wells Fargo Representative on XX/XX/XXXX, and the information I was given was incorrect. I explained to the banker on XX/XX/XXXX that the information was incorrect that I was given when initially I called on XX/XX/XXXX and this could have been fixed that day, had the correct information been given. However further investigation into XXXX XXXX, states that on the XXXX business day, funds must be made available and as this was not the case, and was not made the case until I had to go into the bank and figure out the problem which Wells Fargo should have done in the first place. It was not my responsibility to call the maker of the check, but Wells Fargo.
Product: Checking or savings account

On XX/XX/XXXX there were XXXX XXXX transfers from my Bank of America checking account to a " XXXX, XXXX '' totaling {$3500.00}. I have only used XXXX XXXX other time EVER to send a small amount of money to my granddaughter in XX/XX/XXXX and never requested nor approved these other transfers. Bank of America is saying these are legitimate but I don't see how that is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never granted permission for these inquiries Listed Below. That would make them unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like these removed IMMEDIATELY for it is in violation of the FCRA thank you
Product: Debt collection

Lanier Collection has infringed upon my right to privacy. Lanier Collection has not received written permission to disclose ANY of my medical information or any other information personal or public about me.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I'm requesting a deletion for the following charged off account listed XXXX XXXX XXXXXXXX XXXX XXXXXXXX After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report. According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. 
Thank you,
Product: Bank account or service

I applied for a XXXX checking account on XXXX XXXX, 2016. This account came with a promotional bonus of XXXX XXXX points once certain terms were met. Those terms indicated that {$1000.00} would have to be spent within 60 days of the account opening. I have written confirmation from Citi on XXXX that my account was eligible for the promo. I completed this task and wrote to Citi on XXXX, XXXX confirming my eligibility in the promo and that I met the terms. Citi wrote back that I was in fact qualified and " all promotional requirements have been met. '' I was told the bonus miles would be accredited to my account my XXXX/XXXX/16. 

Once XXXX rolled around and no points were awarded, I reached out again to Citi. This time they 're telling me they need to check for eligibility, despite already confirming. This has been a back and forth conversation with no real answers as I 'm getting charged monthly services fees. I was original told on XXXX that a response would be received in XXXX4 business days. Despite multiple attempts, I still have not received a response from Citi.
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION XXXX ( XXXX ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX  years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in USA next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle IRS.. I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I reached out to XXXX XXXX because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at XXXX XXXX who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, Equifax reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out Equifax shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to XXXX and have them make changes to the account and that may help. I called XXXX and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and Equifax just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both XXXX and Equifax a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called XXXX once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the XXXX XXXX account removed altogether and my score returned to over XXXX for Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is only the 4th time that I have sent this complaint ... With NO corrected response. Everyone is obviously not reading the complaint and absorbing the information in their brains for processing! AGAIN... why not pull the complaint out that I have sent certified and by email ... give it to someone in your LEGAL department that has some education and can read. I think what I really need to do, is just turn this case over to MY attorney and file suit against every XXXX that should be fired for their incompetency.
Product: Debt collection

I filed a recent complaint against KeyBank on XX/XX/2021. ( refer to # XXXX ) I called to confirm the issue was taken care of. I was told by 2 different people at KeyBank that the issue was closed and I owed nothing. A couple months later I got another email saying I owed and was responsible. That I needed to call XXXX and XXXX  airlines to settle the issue! They couldn't contact XXXX  as they were a third party and they couldn't contact them directly. So I need to contact XXXX and get all transaction information. That is not my responsibility! that is the responsibility of my financial institution to do their job and take care of their clients! This is a fraud case! Money was taken from my account without my knowledge or authorization! AGAIN, I am filing a complaint to have KeyBank take responsibility for their lack of professionalism and settle this issue! I am not responsible for the fraud against me! I do not owe this money!
Product: Credit reporting or other personal consumer reports

I am not able to access my credit report. I get a error message. I have changed my password and still not able to access my credit report. I have notified transunion with no response back. I was told someone would call me back to fix the issue. It has been almost a month and no one has called me. I am still not able to access my credit report. 
Transunion is reporting wrong info on my credit report and I am unable to dispute it because I can not access my credit report.
Product: Checking or savings account

I just opened a checking account with tcf bank like XX/XX/XXXX Few weeks afterwards i was having problems getting information about my tcf account. To know : balance info and such. Tcf agents to me all i would have to do is go into any tcf branch and request a new ATM card. Still questioning to myself why my card doesn't work. but what ever. 
Weeks later XX/XX/XXXX i go into a tcf bank with my ATM card and request for a new Atm card.. 
Well this bank teller is now telling me my account is closed and was closed on XX/XX/XXXX. and there so reason to why it was closed. 

I demanded my money that is setting in that account. Sum of {$1200.00} dollars that was just deposited this morning at XXXXXXXX XXXX 
The teller says the money isn't in your account but tcf does have it and you'll have to wait for a check from tcf. And you'll receive that in about 15 days. the teller states. 
I said no way i need my money now. XXXX and complained is all i could do. 
Knowing theres bank tellers dont know what to do either. 

I want and need my money now. Not one person in tcf corp office will return my call or call me back. 
I did file a police report because tcf stold my money I
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion has erroneously and incorrectly continued to report an account that I have no knowledge of and have never done business with. The account is not mine. The following company : ( XXXX XXXX XXXX ) no account number provided. 
This error has caused a detrimental effect on my credit score as well as my overall ability to obtain new credit. I have exhausted all efforts to resolve this. Please investigate. Please see attached XXXX as well as my proof of address and identity.
Product: Debt collection

Wells Fargo threatened to sue me if I did not pay back my credit card debt. I had been on maternity leave and my husband lost his job so everything fell into collections. Wells Fargo then collected that debt in monthly installments and made me pay for their lawyer fees. It happened between XXXX, I was making payments of {$240.00} every month. Total amount was between $ XXXX {$15.00} XXXX when I only owed {$8000.00}. It shows up on my credit report and I still have the checking account statements that I made the payments from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX Owed : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for XXXX XXXX  visa card inXX/XX/2021. i then rec 'd letter from XXXX XXXX  dated XX/XX/21 saying that, due to freeze placed on my sagestream report, they could not verify my credit, so they rejected my application. i dont know who they are, why there is freeze, and why one of the 3 bureaus ( XXXX XXXX XXXX ) wasnt used to run my credit. i then attempted to contact sagestream llc online and via phone. there is no way to reach human, phone is recording only. i then contect XXXX since they sent me the letter and apprarently work with sagestream llc. the person in " new accts '' i spoke with via phone at XXXX claimed that they had no idea who sagstream is and cant help me. he also said they use the big 3 bureaus so he couldnt tell me why XXXX sent me letter saying sagestream was used. i also ran my own credit reports at XXXX XXXX XXXX - there are no freezes and no issues that i can see. i also see on XXXX that sagestream has recd hundreds of complaints over last 3 years. same issue. they are totally sketch and need to be investigated now. as part of that investigation, their relationship with these banks needs to be thoroughly investigated. this feels like a joint effort to systematically deny credit.
Product: Debt collection

Payment was supposed to be taken out with automatic pay with debt card. Wasn, t aware of the balance ( {$61.00} ) until after I left the company. Wasn't able to pay balance until I found new job. I was told from a customer service Rep that I was ok to pay whenever. I wasn't aware of time sensitive. Amount owed is Paid in Full.
Product: Debt collection

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. XXXX XXXX XXXX  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
Product: Checking or savings account

I have been attempting to get resolution for CFPB complaint XXXX. The company continues to dodge me calls. They will put me on hold and then leave the building. They will tell me they will call me back and then do not. The company has 15 days to respond to a CFPB complaint, for XXXX it has been well over that, almost 30 days. PNC still has not responded, nor will they field my phone calls. PNC falsely advertised to me and my joint account holder and they are attempting to cover it up, hoping I will drop it. It also seems they are lying to the CFPB.
Product: Credit reporting or other personal consumer reports

I have 2 auto loan accounts reporting that do not belong to me. I never opened either of these accounts. I have an idea who opened the account ( maybe some relatives that used my information ). I do a lot of traveling with my job and I am never home that much so I am guessing that someone that was living with me opened these accounts. I guarantee that these finance company do not have my actual signature on file because I never open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referencing case # : XXXX with respect to Equifax Credit Bureau which I had earlier complaint about my situation here and just on XXXX XXXX I got the attached letter that my request has been updated and completed i.e that my SSN is hereby reporting correctly on my Equifax credit file. 
Today, my financial institution re-pulled my credit report and still reporting the old EIN number and I called the bureau to have an update on the situation since they already sent me an update in a letter and I get to speak with an employee : XXXX XXXX with staff ID # : XXXX ( according to him ) who now informed me that the SSN submitted issued by the IRS is temporary therefore can't be update or I should go open a new bank account with the number and it will be reported to them, then only they can update my SSN even after making me send my documents several / multiple times even while speaking on the phone with him the employee sent me an email with the doc file to upload my documents again for validation which raised my hope again that it will be updated by the end of today. 
I attached the letter from Equifax for your review and now it seems they are not doing anything whereas other Credit Bureaus are reporting my correct SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. Suntrust claimed they never received this application. 
I started making payments on my loan in XXXX of XXXX after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with Suntrust. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a XXXX valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that Suntrust/BBT now Truist has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing Suntrust/BBT now Truist can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because Suntrust/BBT now Truist realized their old escalation process was completely ineffective and was damaging to their customers.