23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For the third time now, my relia card has had my funds frozen, and am not able to do anything with my money. From XXXX XXXX, the card was locked, even tho they stil accepted my funds they where only frozen from me being able to use them at all. My ID, tax papers and social security card where requested, I faxed and uploaded them. Again on XX/XX/XXXX to the XXXX, my card was once again locked, only from me being able to do anything with my money, again, they still accepted my money on the card. I again spent murmurous hours on the phone, told something different by every person I talked to, I filed several complaints with the better business burrow and even recieved a letter stating sorry for the inconvenience and I should be able to access my funds. On XX/XX/XXXX, I had to do an identity verification with my ID and a selfie, I recieved a text unlocking my account, and hours later it was again locked! This is crazy and rediculous! I have proven I am who the card is issued to! I have a new account at XXXX for my benefits every week, I really just want to transfer the remaining XXXX XXXX left on the usbank relia card transferred to my XXXX account! My ID is expired, In the state of Ohio we are in a state of emergency, and My ID is acceptable till XX/XX/2020. I would like to get a new ID its kinda hard with my funds being held from me! I have sent in my photo ID, it is the exact same ID I just used in XXXX to get my unemployed claim, if the state of Ohio can accept it, and relia card has on XXXX different occasions, it should be able to be used! I was never asked for a copy of my ID befor I got the card and befor they started taking my money! Why is it that they can atilll accept my money only to hold it from me in my Time if need!! Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've ask that the credit reporting agencies do a proper investigation verify any signature and everything relating to these acounts.I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please do a proper investigation into this matter. And remove this incorrect information from credit report. 

XXXX paid/closed XXXX XXXX acount charged off XXXX XXXX XXXX services account charged off XXXX XXXX XXXX total card closed XXXX XXXX XXXX XXXX account charged off XXXX XXXX {$180.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Spent 3 hours trying to reach a live person on four occasions and there is not an option to do so. It is not possible to reach a live person which is unacceptable and quite frankly borderline from a legal perspective. Simply stated I need to verify why the Experian web site states that " Experian credit file '' is " unlocked '' when recorded messages, because of course there is no possible way to talk directly to a live person, very clearly state that my credit file is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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 accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX
Product: Checking or savings account

Bank of America placed a hold on the entirety of all funds deposited in one of my accounts. The account in question is a fiduciary account used to manage funds received from the VA for the benefit of my father. The VA designated me as the fiduciary for my father due to his inability to manage his affairs caused by XXXX  XXXX. 

The bank froze the entire account after my father passed away. When I called to inquire about the freeze on the funds in the account, the bank advised me that they require me to provide a death certificate for my father. I did so, but the bank is still withholding the funds. I discussed this matter with a representative from the VA fiduciary hub. They provided me a letter requesting that the bank release the funds. I also provided this letter to the bank, but the bank has still not released the funds. 

I have tried to reach the appropriate department of the bank to have them release the funds, but I have not been able to do so. It is unclear to me what legal authority the bank has to withhold funds that do not belong to the bank. The management of funds in this account are a matter between the VA and me. 

So, I am seeking a release of the funds. Furthermore, if the bank does not have the authority to withhold funds that do not belong to the bank, I am asking that appropriate disciplinary measures be taken against the bank.
Product: Student loan

To whom it may concern, My name is XXXX XXXX, I am the co-signer of my son, XXXX XXXX 's student loan consolidation. Account number : XXXX. He had four loans from XXXX XXXX in which he wanted consolidated. He applied to Citizens Bank. Loan amounts were : {$21000.00} - {$19000.00} - {$4700.00} and {$4600.00}. A total of {$50000.00}. 
All loans were consolidated on XX/XX/XXXX. We later discovered that the {$19000.00} loan was still active on XXXX XXXX. When we contacted Citizens Bank and informed them of their error, it was pointed out that one loan was misidentified as XXXX XXXX XXXX listed as the original lender. 
When the error was corrected, Citizens Bank added the {$19000.00} again, totaling {$69000.00}. They had doubled the {$19000.00} loan and added it to the total. The bank had also changed the term from a 15 year pay back to a 10 year pay back without notification. Payments went from {$370.00} to {$500.00}. Accruing interest from XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX in which we had to pay the balance of {$49.00}. XXXX Bank had refused to pay the interest of their mistake. 
The additional {$19000.00} was eventually removed and the {$50000.00} was restored, however the loan payment amounts and term had not been corrected. I am concerned with the financial harm this has caused my son and myself. Numerous hours of frustration and phone calls have been spent on this to date unsolved issue. Your assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$220.00}, {$110.00}, {$79.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$890.00} The first dispute letter I have sent to the credit bureaus was on XX/XX/2021. The following month after XXXX, I still see information on these items that are reporting inconsistently. For one, I have disputed XXXX XXXX with the credit bureaus and debt collectors. However, I still see information reporting erroneously. XXXX XXXX XXXX XXXX, for instance, the date of last activity is reporting on different months which is no possible way the accounts were paid on 3 different days. 

I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses :XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> I reached out to XXXX XXXX XXXXXXXX XXXX about them reporting incorrect information. 
The date reported in correct was for the month of XXXX. 
All of my payments have been on time. All reports must be 100 % accurate this needs to be resolved now. It has dropped my credit score more than XXXX points because of incorrect information! 
Ive always been on time and ahead. Please resolve this issue immediately.
Product: Mortgage

I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX Account balance : {$2000.00} Date opened : XX/XX/2023 Account name : XXXX XXXX Account number : XXXX Account balance : {$100.00} Date XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$3800.00} Date XXXX
Product: Credit reporting or other personal consumer reports

i am listing 5 fraudulent inquiries from my XXXX and Equifax credit report : XXXX XXXX  XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year> the listed inquiries do not belong to me and must be removed from my XXXX and equifax credit report. i had a call with all companies and credit reporting agency and was advised to fill identity theft report for deletion. i am requesting XXXX and Equifax to mark listed inquiries as fraudulent and remov them from my credit report.
Product: Vehicle loan or lease

Ally Financial threatened again a Noncitizen National of the U.S.AXXXX ( ( 8 USC 1101 ( a ) ( 21 ), 42 CFR 61.1 ( b ) & Public Law 94-241 Section 302 ), a Sovereign American, and an Internationally Protected Person ( 18 U.S. Code 112 ) that they will unlawfully steal my private car knowing that they violated the law and crimes. The agreement must be able to be rescinded. 

The private car has a judicial notice. Stealing it from me is a crime. 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law. 

All of these will be used against you on court. 


A Corporation can not sue the living man Rundle v. Delaware & Raritan Canal Company, 55 U.S. 14 How. 80 80 ( 1852 ). 
15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge. 15 U.S. Code 1662- Unlawful requirement of downpayment
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX permission to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

Inquiries Listed Below : 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 Please remove them from my credit report.
Product: Checking or savings account

Hello, there was another class action lawsuit against Wells Fargo for how they fraudulently handle people 's accounts. I closed my account last year with wells fargo and complained about their mismanagement and fraudulent fees. I was told to contact Wells Fargo or email this if Wells Fargo hadn't contacted me about compensation through the class action lawsuit. Wells Fargo is repeatedly fraudulent and incompetent, proven to be in court multiple times so i have to email you. Thank you for your help
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau, the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts be blocked and deleted company information Transunion. Please delete the following 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 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 filed over a dozen disputes over the past XXXX  years and none were answered and still remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Received emails and line on credit report for merchandise of service that I didnt purchase or otherwise and my checking account is being charged
Product: Debt collection

capital one and XXXX XXXX wa state received community discharge for my spouse ch XXXX bankruptcy XX/XX/XXXX -gave capital one case number and attorney info etching Emailed the bankruptcy dept of capital one including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from XXXX XXXX XXXX XXXX seeking collection of XXXX for one of my capital one accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling XXXX XXXX for collections on XXXX account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXX so I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
Product: Checking or savings account

XX/XX/XXXX, ~XXXX PST - went into Bank of America branch ( XXXX XXXX XXXX , CA ) to get added to my wife 's existing Bank of America checking/savings account. 
My profile was set up under her account, however when the teller went to " join '' me to my wife 's existing account, a Risk Flag popped only providing the limited information that Bank of America has flagged me as having a prior charged off account and I am not able to have any accounts with Bank of America.

This is concerning as I have never had any relationship with Bank of America,  nor have I had any charged off accounts anywhere else. My first thought is this could either be a result of identity fraud ( recently out of the XXXX so my SSN is at higher risk for being exposed ) or a mixed file at Bank of America as my name is very common ( I've had previous issues of mixed files with the CRAs ). 

As next steps I have done the following to try and understand what information the bank is seeing that may be causing this risk flag on my name. 
- XX/XX/XXXX - XXXX Pulled all three consumer bureaus from XXXX to check to see if anything fraudulent or derogatory was showing up on any of my bureaus. I have a clean credit report, higher than average score and never had any issues getting loans or credit elsewhere. 
- XX/XX/XXXX - XXXX PST Called into BOfA Fraud number - spoke to agent for 15 minutes ; agent suggested calling the XXXX that BofA uses for Charge Offs/bad debt as well as the Credit Card charged off group and provided multiple phone numbers. 
- XX/XX/XXXX - XXXX CST Called XXXX , spoke to agent and a supervisor for 35 minutes. XXXX has no record of me in their database. Said they would send the XXXX report via postal mail. 
- XX/XX/XXXX - XXXX PST Called BofA checking/savings group and spoke to an agent for 10 minutes. Recommended 3 additional phone numbers to try and call ( Recovery Services - XXXX, Risk Acct Closure - XXXX, Credit Cards - XXXX ). 
- XX/XX/XXXX - XXXX PST - attempted to call general BofA line to attempt to get some sort of escalation or to another group. Spoke to an agent for 8 minutes and was given yet another phone number for Risk Acct Closure. 
- XX/XX/XXXX - XXXX PST - called Risk Acct Closure group to yet no avail. Spoke to that agent for 9 minutes and wouldn't you know, that agent recommended I call the Fraud group ( the first group I called back on XX/XX/XXXX ). 

All I want to understand is what is causing this " high risk '' flag on my profile that's keeping me from having an account at Bank of America. I'd like the opportunity to clear my name so that this doesn't potentially cause any future issues in the instance of a mortgage or car loan. Bank of America keeps sending me in circles and won't help me so I'm filing this complaint.