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

To all this may concern, On XX/XX/XXXX there was a transaction for an XXXX made through XXXX. The amount was {$820.00}, The transaction process was in a pending status until XX/XX/XXXX and then cleared. However the transaction only ended up totaling in the amount of {$590.00}. XXXX credit me the difference in the amount of {$300.00}. When the XXXX credited me, my bank then placed a temporary authorization transaction in the amount of {$820.00} sending my account balance to - {$510.00}. The problem I have with this is that the transaction clearly went through and the authorization has cleared however they placed the {$820.00} Temporary authorization, on Sunday XX/XX/XXXX immobilizing myself and my account in the amount of - {$510.00}. Ive also saw trending. They seem to do this only when its convenient for them or when it will cause me problems. They pick and choose when to do things of this nature and this is not the only time Ive reported this Ive never had this problem with any other financial institution ever. Now theyre saying I have to wait three days. This was done to inconvenience me!!! Or to suit some other agenda that I am unaware of. After calling today ( XX/XX/21 ) and speaking to several managers, they refuse to fix the issue.Ive called and spoken to several managers. The first manager XXXX I spoke with seem to think that things were funny and thought me being in a rage was even funnier ( Snickering and laughing ) I then called back and spoke to another manager name XXXX who then told me she was transferring to the correct agent, and sent me back into a que. After calling back right after I spoke to an agent and requested a manager and he also sent back into another que. Ive never been treated so horribly by a financial institution and my energy is literally sapped from being in a rage with this, and their poor level of customer service. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.
Product: Bank account or service

I went to BMO bank XXXX XXXX XXXX XXXX WI. I gave them a {$10.00} bill and asked for a roll of quarters. They asked if I had an account there. I said no. They said they could not give me the roll of quarters. They said they are saving them for their customers. What are banks for? I used XXXX money asking for XXXX money. Are the United States low on quarters?
Product: Mortgage

On XX/XX/XXXX, I was sent a video that I needed to watch telling me my escrow was negative and my payments were going to be adjusted. I had XXXX options, pay a lump sum of {$1600.00} or have my monthly payment increase by $ XXXX the next XXXX  months. If I took no action the XXXX was going to be the default payment raising my mortgage from {$900.00} to {$920.00}. 
However this was not the case, I received a email that the amount being withdrawn, since we are on biweekly payments was {$520.00}. This makes my monthly payment {$1000.00}.

I called NewRez the week of the XXXX to inquire about this. I was told it was to make sure my escrow wasnt negative again, when I informed them that this payment was the same amount that I owe for escrow, over XXXX months instead of XXXX, I was told that I should have never been offered the 60 month option. I told them, that I was, and I would like that rate. I was then told that it would have to be submitted for manager approval and I would receive communication via email within XXXX hours. I informed them that due to their track record of lack of communication and not resolving issues in a timely manner, that if I didnt hear anything in the timeframe or shortly after I would be filing a complaint. On XX/XX/10 the amount of {$520.00} was processed on auto payment without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to close on a home, and I checked my personal credit report on XX/XX/ 2019 and I noticed many unauthorized hard inquiries had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX
Product: Credit card

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, but they are being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed these fraudulent hard inquiries, please remove them from my credit report, these hard inquiries are fraudulent. XXXX XXXX XX/XX/XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have a savings account with the XXXX XXXX a subsidiary of First National Bank of Omaha. XXXX XXXX is a privately held e-bank, FDIC-insured institution, that is not affiliated with the Federal Reserve System . 

Since XXXX I have been making ACH transfers from one of my XXXX XXXX accounts. Out of nowhere, XXXX XXXX  restricted my ability to withdraw MY money from my savings account. XXXX didnt give me any explanation or inform me of how long this restriction will be in place. XXXX claims they are investigating suspicious activity I invited XXXXXXXX   to check my credit report and contact the FBI and the IRS. They responded by asking me for an ID and a XXXX XXXX statement and the restriction continued without an explanation. They sent me an encrypted email to which I should reply and attach the information requested. The first reply to the encrypted email was not successful so we did it again. I have asked for three consecutive days if they received the information and they have ignored my emails. 

Bottom line, XXXX is blocking MY money, turning my savings account into an irretrievable deposit, and ignoring my emails. Can the investigation continue indefinitely? How can the bank regulators allow this abuse to happen? Even the police are required to show cause to act, but not the bankers. XXXX XXXXXXXX  is acting more like a scam than a legitimate bank. 

Profiling based on perceived race, ethnicity, national origin, or religion is patently illegal, it violates the U.S. Constitutions core promises of equal protection under the law to all and freedom from searches and seizures without evidence of criminal activity. Accordingly, show me the evidence of criminal activity or lift the restriction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of identity theft. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandates the removal of fraudulent accounts resulting from identity theft upon consumer request.

The fraudulent inquiries are as follows XXXX XXXX XXXX XXXX Inquiry dated XX/XX/year> XXXX Inquiry dated XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, there was a hard inquiry conducted by Mercedes Benz XXXX XXXX in Maine which I did not authorize for the purpose it was used for. 
I have reached out to Mercedes Benz of XXXX multiple times regarding this matter, requesting the removal of this unauthorized inquiry or proof that I authorized them to pull my credit for the purpose they used for. Despite my efforts, they have refused to remove the inquiry and have not provided any documentation that shows I authorized this specific credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : Discover Bank, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : Discover Bank : Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

XXXX XXXX XXXXXXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
Product: Debt collection

GS Bank US- XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, FAIR COLLECTIONS AND OUT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s 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 FAIR COLLECTIONS AND OUT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 7 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a verification letter about some collections that appear on my credit reports. They never reply back to me but I did notice that they took action and they erase debt on some credit bureaus reports and the debt is still in others. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Says : 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. 


Accounts : United Revenue Corp / XXXX / XXXX Balance / Date : XX/XX/XXXX United Revenue Corp XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX There's Also some debt that stills shows up on my XXXX report that I would like for you guys to check cause they don't show in my other credit reports. It is hard to provide info about this ones cause they don't show name orita dates.
Product: Checking or savings account

There was an overdrawn amount of {$1100.00} paid it full on Monday XX/XX/XXXX. I was advised after paying the balance ( debt ) I would than be able to open a checking account, that was false information, they say one thing to me as a customer and another to a branch banker, I have tried all steps and still nothing. Either they allow me to open a new checking account or refund my money back and I assume all responsibility of the debt because it is super unfair that they provide misinformation and bring hopes up. Account was closed a year ago for high risk? I never did any money laundering, or take advantage the account. I was even told to allow 6 months to re open the account and again false information.
Product: Checking or savings account

I was scammed by this person in a deceptive transaction. He initially sent me {$400.00} via XXXX, and I believed the payment was legitimate. However, a few days later, the check associated with the transaction bounced, leaving me without the funds. As soon as I realized what had happened, I contacted Wells Fargo to report the scam and seek assistance. Unfortunately, despite explaining the situation and providing details of the fraudulent transaction, the bank refused to help me recover my money, leaving me at a loss.
Product: Debt collection

My loan thru XXXX XXXX was closed and marked paid in full on my credit report two months latter a company call Jefferson purchased this loan and imidiantly put it on my credit report and a collection I filed a dispute and it was removed. Today two months latter it has been re added with a start date of today. I have never received notification of Jefferson on this and have never done business with them. I am trying to refi my home and this most likely will get that denied because of this. As a XXXX veteran it is tough enough to survive but this is has became a direct violation of the law and my rights
Product: Credit reporting or other personal consumer reports

I updated my name, addresses, employers, & phone number. Yet I still see multiple names. I want to make sure if its my report, it needs to be accurate
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card or loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft complaint to Experian XXXX XXXX XXXX XXXX by certified mail. According to the XXXX, Experian was supposed to block the information deemed as fraudulent due to identity theft on my credit report. As of XX/XX/XXXX Experian never blocked any information deemed as fraudulent due to identity theft on my credit report. Also, Experian never gave me notice as to why the information was never blocked from my Experian credit report. Experian is in violation of section XXXX ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAtionstar/Mr.Cooper Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
Product: Credit card or prepaid card

I have several Commenity Bank accounts BJ NewYork and Compnay torrid Lane Bryant They did a computer upgrade or merger in XXXX or sometime near then they have yet to update consumer Credit file Ive called several times requesting my account info be update corrected.. I was told we are working to resolve, it will be next update, we are handling its now XXXX.. I still several accounts that are paid in full and Im showing a balance on my credit file .. as a consumer I should have to do a dispute to get my report updates the last update from commenity bank was in XXXX thats unacceptable
Product: Credit card or prepaid card

National credit adjusters has contacted me regarding a credit card in my name which I have no knowledge of this account nor did I sign anything for this account ... its thru XXXX credit card company for {$830.00}. I never applied for this account ...
Product: Debt collection

She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Our home was involved in the XXXX  in XX/XX/year>, after a few months of dealing with the insurance company we were sent a claim check that our mortgage company needed to sign off on too. This check was sent overnight to the mortgage company and confirmed received XX/XX/year>. On XX/XX/year> they told me it was sent to a XXXX party for confirmation. I have contacted them several times as I have a XXXX that would like to get paid for our XXXX that they have already completed, and been told it is in the process and to give it a week for an update. I contacted them again today XX/XX/year> and was told that they do not have a timeline when the check would be released and to just wait, could be another week or month. This is very unacceptable to me as we have paid our mortgage on time, and followed their procedure for sending the check to them overnight to get this expedited. 
The mortgage company is SPS.
Product: Credit card

My Wells Fargo Bank visa credit card was fraudulently used in multiple establishments ( some of which I have never been to ) during the period XX/XX/XXXX - XX/XX/XXXX. I contacted the bank and they reversed the charges. 

Later, they put the charges back with the following reason. The credit cards were in your possession at the time of fraud ''. Their contention is that the card was used physically with the chip in place. They said I should be responsible for the charges. 

I am absolutely sure these charges were not incurred by me nor my wife ( the co-holder of the credit card ). It appears that the card was indeed not in our possession based on the banks reasoning. 

I would like this to be taken up with the bank, so that we are not penalized with over {$4000.00} of fraudulent charges. This is certainly unfair to us! 

We have been a Wells Fargo customer for over 25 years. Why would we report fraudulent charges if they were indeed incurred by us? 

Hoping you can assist us in this matter. ( Wells Fargo complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have requested method of verification of " late payments '' of the account XXXX  # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my XXXX XXXX XXXX. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX