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

On XX/XX/2021, I deposited a check from my attorney 's trust account for {$6000.00} for an emergency partial insurance settlement because of my dire financial circumstances. 

See attached check stub and deposit receipt. 

I was told and receipt confirms that funds would be available on XX/XX/2021. 

However, I was notified by text ( see attached ) that those funds would be put on hold until XX/XX/2021. The reason given that the check " would likely be returned ''. 

This claim is baseless. It slander my attorney as well as my character without grounds. The check was from a legal trust account used by attorneys to hold settlement monies until all parties are given their fair disbursements. In addition, I have no history of depositing checks that have been returned.

According to the CFPB rules : 1 ) Regardless of the kind of check, the first {$200.00} is to be made available to the consumer on the next business day.

2 ) {$5000.00} of the check must be released within 5 business days.

Bank of America is breaking both of these laws by not releasing {$200.00} on the next business day despite my extreme need for the money for medications, food & physician co-pay as well as a credit card payment that will be late. Taken together, by withholding {$200.00} of a check from a reputable source, Bank of America is damaging my health, well-being and credit rating. 

Also by holding the first {$5000.00} of the deposit for longer than 5 business days, they are not only in violation of CFPB regulations, they are preventing me from being able to pay my rent for XXXX by the XXXX which will result in my owing an additional late fee. My phone service will also be disconnected. 

I am XXXX, have multiple health issues including XXXX  XXXX and XXXX XXXX  in addition to major XXXX XXXX. I will not have medications for these illnesses nor will I have proper nutrition as a result of Bank of America not following CFPB regulations, let alone common decency in treatment of a person they are aware of hurting by their actions or inactions.
Product: Credit reporting or other personal consumer reports

Accounts are showing on my credit as active when they have been closed for a while now I have reached out to these creditors they informed me they would delete these accounts from my report, It has yet to be done.
Product: Checking or savings account

I was charged a late fee despite having the funds available example XXXX available in account and a transaction of XXXX was issued but delayed and then a XXXX dollar transaction was made causing an overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all  XXXX  credit bureaus  (   XXXX ,  XXXX , Equifax ) a total of  10  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX / XXXX /  XXXX  ,   XX/XX/XXXX    ,  XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the  Bureaus  to verify such a record exist. I noticed as of today  XX/XX/XXXX  yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, I am the holder of a XXXX XXXX  mortgage and was denied modification several times until I reached out to you. I was hit with laugh fees and put into a balloon mortgage. How can I become part of the class action suit. 
Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen, which recently changed their name to PHH XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently. 

1 ) Ocwen/PHH/XXXX XXXX  has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) Ocwen/PHH/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points. 

3 ) Owen/PHH/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number XXXX, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of Owen/PHHXXXX XXXX.
Product: Credit card

My bank made a payment on my behalf and Citi Bank has not posted the payment. The customer service representative stated that the payment had not been received, when payment was signed for upon delivery by an associate.
Product: Debt collection

I do not owe this debt. 
A different company I have no affiliation with or ever have permissions to is trying to contact me and while at work after multiple times of being told I dont owe them anything due no affiliations. The debt has been written off and closed with no attempt in my part to be able to pay because it has been close after telling them Covid affected my pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened a monitoring system in which i discovered a fraudulent account stating I owe {$380.00} that are causing a negative affect on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that TransUnion BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX  was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date
Product: Credit reporting or other personal consumer reports

XXXX is reporting obsolete and inaccurate information on my credit report across all XXXX bureaus such as Account number- not the same High balance- dont match XXXX verified date- dont match Date of last activity- dont match Creditor remarks - none XXXX payments reflecting
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 late payments where on my accounts. I called the companies and they said they said they will remove the late payment off my account. They have yet to been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 round of dispute letter to XXXX, Equifax, and XXXX  to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Product: Debt collection

As i check my credit report there is a dept that i have no knowledge of nor did i sign any contract with
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HUNTINGTON RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ XXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection accounts that are currently listed on my Trans Union, XXXX and XXXX  credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hired lawyer credit companies ofered a compromise to satisfy I paid off through Lawyer the desired pay out NOW< compaies have filed against my name and discreditijng my credit score They were told and I signed the legal forms NO 1099-C to be filed with irs making me liable for the remainder from payout creating unearned income for which I have to suffer increased tax obligations
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  PST I called customer service at CNB for my credit card ( XXXX ). I was calling to close my account since I had not been using it, and there is no reason for me to keep an account open that has an annual fee which I am not using. The annual fee was charged to my account on XXXX XXXX, and so I called at the first opportunity I had available to address it. 

I was told that the annual fee ( {$400.00} ) would not be reimbursed if I closed my account, and I was responsible for the full year membership fee of a card which I had not used and was closing essentially at the same time the fee was being assessed. 

This bank 's practices is a clear example of customer abuse whereby the bank refuses to revert an annual fee charge even if the customer does not use the account at all following the charge and immediately contacts them to close the account. I would imagine there are many people such as myself who have forgotten about this card until the annual fee posts, and called to cancel and have the fee reversed. This is what literally every bank other than this one does. I also suspect that many people just pay the annual fee and forget about the card for another year, repeating the process - which is clearly an abusive practice by this bank. 

I made a reasonable request for my annual fee to be reversed and my card account to be closed. I was told that in order for an annual fee on a card to be reversed, a " personal banker '' would need to see if that was an available option, and if so, to do it. The customer service rep told me that she would submit the request on my behalf. Since then my credit card statement with the annual fee has posted, and I have yet to receive any indication from anyone at this bank that action is being taken to reverse the annual fee and close my card. 

I would like my annual fee to be reversed and my card account to be closed. This is a reasonable request on an account in good standing that has no use following the fee being assessed, and the request being made shortly after.
Product: Debt collection

XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX  and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX. 

The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe. 

On XX/XX/XXXX I received an alert again from both XXXX  and XXXX  that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX  and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.
Product: Credit card

I booked a trip on XX/XX/ for the amount of {$5200.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they we fully refund your money as per their contract within 90 days. I requested a full refund. Their letters and emails said my refund would come XX/XX/XXXX which i did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some sixty day rule without evaluating my dispute. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to qualify for a home loan and to my surprise an old Wells Fargo Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. Wells Fargo says the can make no representation on how the account appears and Im at a lost.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year> Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on my XXXX credit report that are fraudulent. 1. Capital One account that appears as closed on my credit report from XX/XX/XXXX. This is not my account, I asked to the company to produce my signature on a contract for credit. I did not receive any documentation. 
XXXX. XXXX XXXX  XX/XX/XXXX another account that is fraudulent and I asked the company to produce my signature of credit I applied for. The company failed to produce that information. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX only has failed to produce a signed contract agreement that I would have had with them. XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX is another fraudulent account that doesnt belong to me and the company failed to produce a signed contract agreement with my signature ( shows only XXXX XXXX XXXX only ). 


There are XXXX hard inquiries on my XXXX report that fraudulent and do not belong to me. The first one is XXXX XX/XX/XXXX. I called and ask the company to supply me with a contract and agreement where I asked for credit. I do not have any loan and or credit on my report that associates with this creditor. The second one is XXXX XXXX XXXX XX/XX/XXXX. This is a fraudulent inquiry that I did not apply for nor have any account linked to this. I asked the company to produce my signature on any agreement for credit. They failed to provide me with any documentation. I would like to have these accounts removed from my XXXX credit report.
Product: Bank account or service

Someone hijacked my VA Pension check by ordering another card in my name.