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

I have a business checking account at Wells Fargo Bank , N.A . and the bank is refusing to release a hold placed on a cashier 's check. I received a check payment from a customer for the amount of {$3900.00} and their check unfortunately bounced. I then required the customer to pay me with a cashier 's check. The customer went to their bank at XXXX XXXX XXXX  and submitted payment in the form of a cashier 's check drawn on XXXX XXXX XXXX XXXX account. When I went to the deposit the check at a Wells Fargo ATM on XX/XX/2023 I received a receipt stating my funds would clear next day. To my surprise in the morning I received a message that the cashier 's check had received a hold. The hold reason was not due to fraud but rather a message that stated " Recent returned check from check writer 's account. '' I called the bank on XX/XX/2023 and was told that I needed to go into a branch location for the hold to be removed. When I went and spoke with a manager she refused to remove the hold because the check was deposited at an ATM not in branch. I waited till today XX/XX/2023 because the check is under {$5200.00} and expected to clear today. The check did not clear and I called the bank again and they stated they could not remove the hold over the phone and to go back to a branch. The Wells Fargo ATM system has failed to recognize the cashier 's check is a next day item per Reg CC rules. The bank is unjustly holding my funds in the account and refusing to remove the hold even though when they do research they can tell the check deposited is in fact a cashier 's check and not drawn on my customer 's account but on XXXX XXXX XXXXXXXX 's account. However, Wells Fargo as an institution refuses to honor the Reg CC rules and will not remove the hold. If this check was fraudulent i would understand but the failure here is in Wells Fargo 's ATM system not recognizing the check is a cashier 's check and the Bank refuses to correct this mistake. I have also incurred overdraft fees in my other accounts due to not being able to access my funds and make timely transfers.
Product: Checking or savings account

Complaint Against PenFed Credit Union On XX/XX/year>, I applied for a Regular Savings Account with PenFed Credit Union using my ITIN as it was accepted during the application and was asked to submit 3 additional documents ( proof of tax ID, proof of address and proof of ID ). 

On XX/XX/year>, I submitted my CP565 ( Tax ID confirmation letter ) as proof of tax ID, credit card statement as proof of address and my non-US government-issued passport as proof of ID. Shortly after I received an email to upload proof of address again. I called PenFed customer support to confirm possible documents for proof of address and I was advised to upload a colored copy of either water, electric or vehicle registration to verify my address. At that moment, I had only phone and internet bills in my name. 

On XX/XX/year>, I completed adding my name on our Electric & Gas bill. On XX/XX/year> I received a statement of account from electric and gas company in my name and uploaded to PenFed to verify my address since an actual bill in my name will not be available until XX/XX/year>. XXXX of account was no accepted and was asked to submit actual bill. 

On XX/XX/year>, utility bill in my name was issued and I submitted as proof of address to PenFed via upload link the same day. There was no response whatsoever until I personally called PenFed on XX/XX/year> where I was told initial application had expired. However, I was given the option to re-apply again over the phone up to the point I had to submit 3 additional documents ( proof of tax ID, proof of address and proof of ID ). 

Luckly the support agent advised that other 2 documents ( proof of tax ID CP565 ( Tax ID confirmation letter ) and proof of ID ( non-US government-issued passport ) ) submitted in the expired application were accepted hence she would simply just move those 2 documents to the new application then I just upload my utility bill to proceed with application. She also mentioned that I would be getting a response by XX/XX/year> then I can make the membership deposit to conclude the application. 

Up until XX/XX/year> there was no feedback regarding application then I was compelled to call PenFed support again for status of application. Only to be told I have to submit a US only issued ID, SS card, or US Visa. I asked what was wrong with my passport, " is it because it was issued in XXXX? '' Because I don't get this issue with any of my current banks including XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX. Again, because I have multiple business colleagues with an ITIN that also applied for the same Regular Savings Account with PenFed with their country 's issued passport, specifically a XXXX issued passport and there were no questions asked. 

Evidently, PenFed Credit Union accept foreign issued passport. I don't want to be circled out simply because my passport was issued in XXXX because any form of discrimination from PenFed and its personnel towards my birth country will be met with legal consequences. 

As ITIN holders, we are more likely to have our passports as a form of ID and any type of passport should be treated fairly.
Product: Checking or savings account

My father XXXX XXXX in XXXX, XXXX in XXXX XXXX  XXXX ( XX/XX/XXXX ) but he was a US citizen. His XXXX XXXX was issued in XXXX, so it's in XXXX. I got it translated like Chase bank asked in XX/XX/XXXX. I also got the my fathers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I am the executor, as the only child of divorced parents. The bank is asking for an XXXX  stamp from the embassy in XXXX. His original XXXX XXXX has this stamp that Chase Bank wants and they will not take the translated version without the stamp. They are also asking for a consular XXXX XXXX XXXX from the embassy in XXXX. Both documents ( consular XXXX  XXXX XXXX of a US citizen, and the XXXX  stamp ) can't be obtained here in the USA and would require me to go to XXXX again. I do not understand why they need both documents. And I want to make very clear that even if I take the translated XXXX XXXX  to XXXX, it will still have the same stamp as the original certificate and it will be in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  as reported to the CRA an account that does not belong to me! Equifax and XXXX is reporting false information. I demand this account be removed off my consumer report IMMEDIATELY!!! I have attached my consumer report!
Product: Vehicle loan or lease

I have contacted Ally Financial numerous times for a co-singer release. I need my name removed to avoid contact with this person for the safety and well-being of my family and myself. They will not make an exception and remove my name for my safety
Product: Credit reporting or other personal consumer reports

There are multiple inquiries tied to your company on my credit report that I did not approve. These are lowering my score and making financial decisions unnecessarily difficult for me.
Product: Credit card

Bank of America has me in a credit card with an annual fee. The same exact card is available without and annual fee and has been for quite some time. I have been through so much trying to get a straight answer on why I have the fee but others do n't. They take the Equal out of Equal Credit Opportunity Act. The employees are sarcastic and fake, the service is terrible and they lied to me on multiple occasions. To the point where I will always call back and ask a new rep to verify what they told me is true. So far all of my complaints directly to them have fallen on deaf ears. They are truly terrible to work with and unfair to bank with. Unless you are EXTREMELY qualified you will get no benefit to banking with them, you will only get fee 'd to death and sarcastic service. 
My additional complaints are they are quite rude about credit limit increases. The girl specifically told me that if I requested one and it was n't approved there would be inquiry on my report. I did as she instructed and guess what! She lied. I called and asked about it and the rep I got said " no she lied to you '' ... ..How does that benefit anyone? 
Bank of America is a failure. They are failing their customers and their shareholders. I will be sure to not direct any of my future investments to anything remotely related to them. 
For the record this can be filed under multiple entries, which I probably will just to make sure the many complaints are categorized appropriately.
Product: Credit reporting or other personal consumer reports

I've tried multiple times to address fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These items have severely affected my life, causing considerable stress and anxiety. I want to emphasize that I never authorized or consented to this information being associated with my name, as I'm a victim of identity theft.
Product: Money transfer, virtual currency, or money service

Someone hacked my PayPal account that was linked to my checking account and transferred {$6000.00} plus a {$4.00} fee out of my checking account to themselves. I contacted PayPal to report that it was an unauthorized transaction, but they responded stating it was not unauthorized and that it was consistent with my transaction history. The PayPal account has been dormant for years, because I thought it was closed. I have never used their friends and family transfer feature. I have appealed their decision and am waiting for a response. I believe they still have a small window to stop this transaction, but they appear unwilling. I have also contacted my financial institution and filed an unauthorized withdrawal form. I am not including screenshots of this, because it contains all of my financial information.
Product: Credit reporting or other personal consumer reports

This collection appeared on my report from XXXX XXXX now with Consumer Adjustment co and I have never had an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two mortgages showing up on my credit report. I only have one with XX/XX/XXXX. I do not know who XXXXXX/XX/XXXXXXXX is but Trans Union is saying it is accurate without providing any explanation.
Product: Credit reporting or other personal consumer reports

Despite several occasions of reaching out to equal facts regarding my now, damage credit from the listing of unauthorized charges on my credit card and which several times both the bureau 's and the company were put on notice that I was in dispute with several charges that equated to nothing done to rectify. FCRA regulations compel the credit bureau to honor the rules regarding identity. Theft and remove this immediately. And derogatory claims or violation of the DCA and the FRCA.
Product: Consumer Loan

I co-signed on an auto loan for my ex-husband who stopped making his payments and Regional Acceptance placed me as primary on the loan. I have never seen this car nor is it in my possession. I have told them this hundreds of times and given them my ex 's contact information. However, they continue to harass me by calling my job daily and my cell daily. They are bullies and threaten they will take everything from me. They use scare tactics and treat me horribly. I am a single mom with XXXX XXXX daughters of which I do not receive child support or any assistance. I was unfairly made primary on this loan and have tried to be as cooperative as possible to no avail. The interest on this loan is almost 30 % and the balance never goes down, it continues to increase. Please help!
Product: Debt collection

I am being sent to collections for XXXX for a purchase I never made and a credit card was takin out apparently in my name with out my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and  correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account from XXXX XXXX XXXX XXXX XXXX on multiple occasions. The most recent dispute ( confirmation number XXXX ) was filed XX/XX/2021 and the dispute has still not been addressed. This dispute has been open for 60 days and the credit bureau has still not resolved it. A representative, XXXX, from XXXX XXXX XXXX XXXX XXXX, called me directly and advised that they sent an electronic communication to all three credit bureaus on on XX/XX/2021. Both XXXX and XXXX  immediately removed the collection account from my credit file. However, Equifax has yet to remove this from my file per the direct instruction from the collection company, and the dispute regarding this matter remains open. This is causing great harm to my credit and may prevent me from getting the best interest rate while attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I have tried contacting kickoff several time last month but no response, I pay them for there service and I get no response so they are just taking people XXXX XXXX XXXX XXXX  and never responding
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX XXXX XX/XX/XXXX with a balance of {$210.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and I am a business man and these errors are effecting my ability to properly run my business.
Product: Debt collection

The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from XXXX XXXX XXXX ; penalty for violation ; exception.
Product: Debt collection

On XX/XX/XXXXI contacted Amsher Collections to settle four accounts that have been in collections since XX/XX/XXXX. The break down of those are {$84.00}, {$84.00}, {$84.00} and {$70.00} for a total of {$320.00}. There was an account on my credit profile for the exact total in which I disputed that with amsher collections about a year ago and they removed it from my profile. Let it be known, when I contacted the creditor they claimed those accounts are no longer with them and have been submitted to a law firm therefore I couldn't do anything about it yet they still showing as " open '' and being reported on my credit report. After this statement she said I do however owe them approximately {$430.00} ( which isn't on my credit report ). I requested to set up a payment plan but she denied it and claimed she could reduce it to {$320.00} if I paid " today ''. It appears this is just a total of the four accounts with a few extra dollars added which now has me skeptical and questioning the authenticity of this " account ''. At this time I requested documentation that outlined the delinquent accounts to be mailed to my home for my review and verification which she refused to do. Unable to find a resolution to this I got off the phone. I have contacted once prior to this and the collection agent was extremely rude and unhelpful so I ended the call abruptly.
Product: Debt collection

I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from.