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

XXXX XXXX, XXXX. A teller thought a forged check on my account had been presented. She declined the check and blocked my account. She did not tell me or anyone else. 

In XXXX I began to hear from unhappy creditors that payments from the account were not received and my checks were not being honored. Many days were spent trying to sort that out, and some credit card companies still will not accept payment from that account, requiring time-consuming work-arounds.

I contacted Truist as soon as I understood what was happening and they acknowledged full responsibility for the error. I made repeated requests for reimbursement of penalties and fees and received repeated assurances the problem would be rectified by " close of business today. '' After five months of stalling by Truist ( my request was reportedly declined twice ) I wrote the CEO and got some action reimbursement of fees and penalties. In light of the significant opportunity costs I incurred I asked that Truist provide token recompense ( {$1000.00} ). They responded : {$100.00}, like it or leave it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports per XXXX, XXXX XXXXnd XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and notice that my XXXX XXXX XXXX account was closed and charged off which mean that they quit pursuing me for the debt. Without any documentation of this transaction I was making payments on a payment plan and notice that information. After speaking on the phone, on a recorded line, I was told that they did that because the account was over 120 days and the underwriters was doing there job but they are constantly updating an closed account.
Product: Checking or savings account

Chase bank I sent money by cashiers check from my business account to rent a house. XXXX checks total. I found out it was a scam XXXX days later. I called bank to see if they can flag or put a hold on that account and reported it as fraud. They would not even after checking with manager. They told me law enforcement would have to call and do that. I called XXXX and after waiting a few hours I was able to finely get a return call from an XXXX who would not do anything until I investigated the matter myself further. He called it a civil matter until I figured out who owner was and that there was no partner who I could have dealt with.
Product: Credit reporting or other personal consumer reports

hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.Account self lead/bank account XXXX XXXX XXXX XXXX Secured Card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Jan 2023 116 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$120.00} {$140.00} {$170.00} this are all the remarks left which has been clearly been wrote of with taxes I asking to bureaus to please enforce the law and have my reports reflect accurate information or is completely breaking the law
Product: Credit card or prepaid card

MasterCard allowed a Best Buy XXXX, Co, membership renewal fee of {$200.00} to be processed even though I disputed the charge after the fact since Best Buy never, never, notified me that that annual amount would be charged to my MasterCard. Best Buy did not send me an email or a snail mail stating the the annual renewal and Best Buy can not prove they sent such notifications : They simply stole with Master Card approval the {$200.00} from me, : MasterCard stating that if I didn't pay they would report my otherwise perfect payment history and credit rating to the three most so-called trusted credit rating systems in the U.S. In other words, MasterCard in link BB were going to ruin me and it seems gladly doing so. MasterCard said I had to PROVE that I tried to contact Best Buy. I explained in a dispute to MasterCard that Best Buy when I found out about this charge through my XXXX statement, I called BB five different time and was on hold for over an hour each time, thus having a total hold time of more than six hours. I was never able to get in touch with BB. Additionally Best Buy in XXXX, Co where I live was closed for months due to covid, yet I had to prove the phone calls and BB being closed, which meant the responsibility of evidence was on me -- a perfect MC client. The proof really is on Best Buy to show they sent early notification of renewal chargers! I want my membership fee -- all of it returned, which would be a big surprise! I dropped MC like a hot XXXX since they can not treat a client who pays the monthly statement in full and on time and who has been with MC since 2015! CREDIT CARD COMPANIES NEED TO REALIZE THERE ARE TWENTY OR THIRTY MORE CC COMPANIES WAITING IN LINE FOR OUR BUSINESS!!!
Product: Credit reporting or other personal consumer reports

Great score but reports of loans token or from Western finance in my name of XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.
Product: Checking or savings account

On XXXX XXXX my Social Security check 0f {$1000.00} was fraudulently transferred from my bank, SUnTrust Bank, XXXX, Florida to a bank they said was " XXXX XXXX XXXX. '' I never gave any permission for this transfer and the bank has not been of any help, in fact the person I talked with on the phone was unresponsive to my need. I am an XXXX  and in a XXXX. It is very difficult for me to get rides and leave my home. I had a - {$140.00} in my account due to an automatic bill payment and a fee of {$37.00} for a bounced check. A family member sent me a loan to prevent further charges. I have to pay back this money. I had no idea of what to do. I started on XXXX XXXX XXXX XXXX shortly after. My Social Worker came on XXXX and did the assessment of my condition and needs. She returned on XXXX/XXXX/XXXX and together we made many phone calls. We talked with a XXXX at F.D.I.C. Consumer Complaints who instructed me to complete this online complaint. Due to not having a computer, my Social Worker is helping me today.
Product: Credit card or prepaid card

The application was wrongly filed, I did not authorize the opening of the account, my dentist referred me to Care credit. They were informed I was no longer interested in opening an account on XX/XX/2022 since I was not informed there will be a credit pull ( hard inquiry ). Care Credit agents referred me to their Fraud department, the staffs are conny, not trustworthy and definitely not helpful.They are mean and not willing to correct the error.
Product: Credit reporting or other personal consumer reports

I haven't applied for of given written permission to the bureaus to furnish this information. This is a violation of 15 USC 1681b. By reporting theseThey are reporting unauthorized fraudulent information willfully. This is theft of identity. In accordance to 15 USC 1681c-1 and 15 USC 1681 c-2 these need to be deleted and blocked. see attachments
Product: Credit reporting or other personal consumer reports

I have two fraudulent accounts, I have been disputing back in fourth with companies and transunion. The accounts doesn't belong to me, the companies refused to send me contractual sign agreements. In the last two years, I've submitted police reports, identity theft reports, work assignment reports showing i wasn't even in the country when the loans were taken out. Transunion refused to properly do a proper investigation, the debtor refused to do an investigation and send me the documentations requested. My information was exposed in a XXXX and XXXX data breach.
Product: Checking or savings account

This has been going on for multiple weeks now. There was a payment scheduled that was not authorized by me and the events that have occurred since this unauthorized payment took place have been at the center of this issue. In short, a payment was made from my Wellsfargo checking account to my Wellsfargo credit card. The original unauthorized payment was reversed. 

Since then, a retry payment has been attempted even though the payment was canceled. Over XXXX was pulled from my checking account to my credit card account ( for the second time ) leaving my checking account in a negative balance. The payment does not show on my credit card account. It only appears that the XXXX has vanished. 

This amount was pulled XX/XX/XXXX and still does not show any reversal in my banking accounts. I have spent 3 hours on the phone with Wellsfargo since XX/XX/XXXX. I was told that the funds would be back in my account XX/XX/XXXX - false. I was told that the funds would be back in my account XXXX - false. It has been almost a week that my money has been tied up in limbo. 

The 8+ people that I have spoken with at Wellsfargo have been unable to help explain or give me accurate information as to when my money will be available for my use. I am appalled at the company 's lack of haste and respect for my time. I will be leaving Wellsfargo as soon as my money is returned to my Checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 or other personal consumer reports

While I was in XXXX, my dorm room was broken into and my personal information was stolen and my credit was used fruadulenty. I have file a incident report with the police and my university. XXXX has not helped me solve this issue. I am requesting the following accounts to be removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern, Hello, I lost a large part of my income due to the pandemic. Concerned about paying my mortgage and after hearing about mortgage companies deferring payments for up to three months, and considering Id never been late with a payment, on or around XX/XX/XXXX I decided and called my mortgage company NewRez Financial and asked if I could have my mortgage deferred. The person I spoke with explained it shouldnt be a problem considering the COVID situation and said she'd get back to me by the end of the week. She called me back and said that my request was accepted. She said that my mortgage would be deferred from XXXX until XXXX. To be sure I asked how deferral would work and she explained that my mortgage payment would just be extended for three months tacked on to the end of my mortgage loan and that there would be no penalties, fines, or fees and that this wouldnt effect my credit. A week or two later I received a scary email requesting mortgage payment, and a week later an email apologizing for the request. I called the company about the emails and was told not to worry and to ignore any other request for payment. A week or so after that I received a letter in the mail from NewRez which I did not open. Not long after I received another letter and so I opened it and there was a letter explaining to me that my mortgage was in forbearance. I called my mortgage company about the letter and was connected to a debt collection service named Shellpoint. The man I spoke with said that I misunderstood. I am certain that I did not misunderstand. He explained to me that the 3 months of mortgage was expected to be paid in full by XX/XX/2020. I explained that this was not expected and said that I feel Ive been misled and felt I was being taken advantage of. I called and asked to speak to a supervisor and was told to expect a supervisor to call me within next couple of days. The call never came. I've been foolishly waiting for a call to straighten this situation out, however it has yet to come. I am hoping that reaching out to you can get me a positive result. 

Thank you!
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party. 
I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor. I have been negative information being reported by TRANSUNION XXXX XXXX XXXX. as of XX/XX/2021 they removed the disputed items which is XXXX # XXXX and XXXX XXXX # XXXX. I was notified of this transgression of my rights specifically 12 C.F.R 1006.6 ( d ) ( 2 ) of the FDCPA. According to 15 US code 1692 ( c ) ( a ) TRANSUNION XXXX XXXX XXXX, adverse actions against me violating my rights of which civil damages pursuant to 15 US code 1692 ( k ) damages are up to {$1000.00} per violation, pursuant to 15 US code 1611 ( 1 ) damages are up to {$5000.00}. TRANSUNION XXXX XXXX  is now civilly liable to pay me up to {$12000.00} for damages.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Vehicle was leased in XX/XX/XXXX through XXXX XXXX XXXX. 
A few lease payments fail behind, and I received ongoing robo calls to my cell phone. 

I reached out to an attorney who advised me to make a three way call to call XXXX XXXX XXXX while his office was on the other line, requesting that they stop the robo collection calls. 

I continued to pay my lease off, However, Hyundai continued to dial my cell phone using different phone numbers. I maintained a call log.

Moreover, I have a paper trail of all or my payments. 

My lease concluded on XX/XX/XXXX, and the vehicle was turned over to XXXX XXXX Dealership in accordance to my lease agreement.
Product: Credit reporting or other personal consumer reports

I need your help with the incorrect account listed on my credit report. This error has harmed my reputation, and I require your prompt assistance to have it deleted and blocked immediately.
Product: Credit card or prepaid card

I am in the process of putting in a new heat pump for the home as it went out. I went through the XXXX XXXX program. I applied for the XXXX XXXX XXXX Account on XX/XX/2019 that is issued by Citi. 

I completed my application and submitted with my new address where the heat pump will be going into as I recently purchased that home on XX/XX/2019. I did not put my current address as I have put this house on the market and in the process of moving. The screen let me know that additional information was needed. I called same day XX/XX/2019 and spoke to XXXX. He was asking me to verify my current Citi Card by providing the CVV code as a step of authentication which I did. 

I informed XXXX that I have an initial fraud alert on my credit report and understood the verification process. The fraud alert consumer statement stated to contact the applicant at XXXX to verify prior to issuing credit as I placed this alert when XXXX XXXX data was compromised and I was part of that breach. 

XXXX informs me that my credit application was denied because of the consumer statement on my credit report. I asked to escalate to management because under FCRA regulations, as a consumer I am allowed to protect my credit and creditors I deal with have the obligation to verify me as the person applying. I was transferred to XXXX, a member of management whom simply stated that Citi guidelines state that I needed to contact XXXX regarding information on my credit report. I asked if my denial was credit related and she stated no because I know it would not be credit related as I just made a home purchase on XX/XX/2019. I asked for clarification and explanation as manager was very vague and stated that information she could provide was very limited. I was perplexed by this because I am calling from number on credit report fraud alert and they could have picked up the phone to call it as well to verify as the consumer alert states, but they rather just create a guideline that is restrictive to obtaining credit and against FCRA regulations. She then stated that I would be put on hold while she could see what she could do, then the call was disconnected on Citi 's end. I tried getting back to XXXX XXXX XXXX phone number I had just dialed but I could not bypass the automated queue as my application was denied and speaking to anyone was not an available option even when hitting 0. 

I want to make this formal complaint against Citi for borrower discrimination against FCRA regulations when it comes to placing an initial fraud alert on credit report as I am allowed to. There is no freeze on the credit, simply an alert for creditors to verify.
Product: Credit card or prepaid card

I received an email notifying me that Cit reduced my credit limit down to the balance on my card. This gives the appearance that I have maxed out my Citi credit card. There is no explanation for this. I got this card last year after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I try to keep my credit utilization under 30 %. I have never missed a payment and always pay more then the minimum balance. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis due to COVID and I have done everything right. Thankfully, I still have my job.The same job I have had for almost 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.
Product: Credit reporting or other personal consumer reports

Sent 2 different letters to the companies and got no response on how my dispute was verified on their end ive attached the letters below. first letter sent on XX/XX/year> next letter sent on XX/XX/year>