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

On XX/XX/year> I attempted to open a Business Checking account with Truist Bank in XXXX, NC. I funded the account with {$27000.00} check from the sale of company vehicle to XXXX XXXX XXXXXXXX XXXX in XXXX, NC. 
I was initially informed that a hold would be placed on the check for ( 10 ) business days, and the release date would be XX/XX/year> or before pending validation of the check. 
On XX/XX/year> after contacting Truist customer service I was informed that my account was flagged for fraud, and given a contact number to the fraud dept. for further information. 
On XX/XX/year> I contacted the fraud dept. for information about the potential fraud, on that day I was informed that my account was placed on administrative hold for possible fraud until XX/XX/year> or indefinitely until investigation was completed. On that same day I submitted a complaint, for XXXX profiling due to Truist Bank Fraud investigation with no legal justifications. 
On XX/XX/year>, I entered the XXXX XXXXXXXX Truist facility in XXXX, NC to obtain more information about the possible fraud associated to my account. 
I was informed that the account was flagged for possible fraud, and the account was on hold indefinitely or until investigation was completed, I filed another complaint because of the institutions lack of transparency. 
Later that day XX/XX/year> I was informed the account was being closed, and Truist was ending their relationship with my business, and the funds were being held indefinitely, with no legal justifications were ever given. 
I later contacted XXXX XXXX XXXX XXXX to attempt to apply a stop pay on the deposited check, at that time, I was notified that that check had already been cashed by Truist Bank.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXXXXXX XXXX XXXX  ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXXXXXX XXXX XXXX  ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Debt collection

I received a letter in the mail from an alleged debt collector ( Synergetic Communication , Inc. ) informing me that I had 30 days to pay a {$430.00} debt from XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX customer care and collections specialist. I have  no debt with them otherwise I would have NOT been able to have an account with them. This debt is fake and the company is shady at best. I called the number and it was a series of answering machines until I get to the third one where I am supposed to leave a message. Its doesnt say who the message will be for. I dont want this fraudulent debt to affect me or my credit in the future. Thanks.
Product: Credit card

Take a look at the documents provided. I want the bureau to begin an inquiry into these accounts. Despite my on-time payments, they're reporting me as late.
Product: Debt collection

I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.
Product: Credit card or prepaid card

Made payment of {$500.00} to Citibank and its immediately withdrawn. Payment still has not been added to available credit as of XX/XX/XXXX. Citibank tells me they use money laundering laws as an excuse to hold payments for 7 business days. I am told they can do this whenever they feel like .... So a credit card company can take payment and not give it to the customer for close to 2 calendar weeks because they pre-paid early?? 

That's right .. I'm not purchasing I'm paying my card back in advance. So this is the " thanks '' Citibank gives for doing that. They take your money. label you a money launderer and then invest it anywhere they like while you got NO MONEY. 

Citibank it the only bank I know of that does this. WHY? 

Last rep I spoke literally laughed in my face.
Product: Checking or savings account

In XX/XX/year> I was notified that my bank was closing my account. On XX/XX/year> my account was closed with my pay check going in on XX/XX/year>. I went to the bank physically and spoke to one of the managers. The manager told me that he saw no reason for my account to be closed. He said that I was a great bank customer. He said the bank had extended to me special offers through the bank. I was told my money would be released in 3-5 days. The next weekend I went back to the bank and spoke to another manager and was told my money would arrive in 7-10 days. That didnt happen either. A few weeks later I went back and was told my account was under investigation and I would get my money. Since then I have continued to contact them to check on the status of the so called investigation, but no one can give me any information. I feel I am being singled out because I am a XXXX  age single female. This has put a lot of emotional stress and financial burden on me. The emotional stress is causing multiple medical and XXXX  illnesses considering that I have XXXX XXXX that increase with unwarranted stressors.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) 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 am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$8700.00} Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Product: Mortgage

I submitted a complaint about Nationstar Mortgage to CFPD ( case number XXXX ) regarding their refusal to work with us regarding modifying our mortgage payments due to the hardship suffered pertaining to my husband 's job loss because of the sudden closing in XXXX, XXXX of the company that he had worked for years. Nationstar 's response was to submit to CFPD our payment history and a repayment plan from XXXX. The XXXX repayment plan was entered into prior to a XXXX illness which nearly killed my husband in XXXX XXXX -- and the subsequent loss of his newly aquired job ( XXXX XXXX ) due to the duration of the illness, XXXX, and XXXX assocated with the severity of the illness in XX/XX/XXXX. Nationstar was apprised of the illness and job loss -- and the XXXX my husband is required to undergo 3 times a week due to the XXXX XXXX he suffered as a result of the acute but devestating illness he endured. ( all of the aforementioned medical history is documented, and can be sent to you if necessary. ) In addition to continuing to flatly refuse to work with us to assist us in becoming current our loan -- in their reply to our complaint -- Nationstar defended its practice of continuing to send the intimidating foreclosure letters, harrassing phone calls, and the reports to all XXXX credit bureaus every 30 days -- and also erroneousy states that we are " approximately two months '' behind on our mortgage -- when in fact, we are only one month behind. In closing, since we submitted our first complaint, we were informed that Nationstar has an " XXXX '' rating from the XXXX with XXXX complaints rendered against them in the last three years. ( ratin scale is " XXXX to " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor continues to make Errors on money owed And reporting late payments to credit bureaus. This has been an ongoing problem. THIS IS INCORRECT! 
PLEASE HELP ME CORRECT PROBLEM THAT IS NOT CORRECT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Legal Action - Violation of Rights and False Reporting Dear Sir/Madam, I am writing this letter to bring to your immediate attention the persistent violations of my rights and false reporting on my credit accounts. Despite providing concrete evidence of being a victim of the XXXX XXXX data breach, you have consistently failed to verify and remove inaccurate information from my credit report. 


As a victim of the XXXX data breach, I have supplied you with substantial evidence, clearly establishing my identity theft and the fraudulent activities perpetrated in my name. However, I am deeply disappointed by your continuous reporting of credit accounts that can not be verified by your respective companies. This flagrant disregard for my rights is unacceptable and will not be tolerated any longer. 


Moreover, I have previously informed you of the fraudulent car loan document from XXXX, where my name was falsely used. I have presented you with documentation that includes a police report, providing further proof of this fraudulent activity. Despite these efforts, you have neglected to take appropriate action, reinstating the false information on my credit report without providing any valid justification. This is not only a violation of my rights but also a clear demonstration of your disregard for the accuracy and integrity of credit reporting. 


I want to make it explicitly clear that I am currently pursuing legal action against the XXXX main credit bureaus due to these ongoing violations. While I had hoped to resolve this matter without further escalation, your persistent failure to rectify the false reporting has left me with no choice but to include XXXX, XXXX, and TransUnion in the impending lawsuit. 


Furthermore, I want to emphasize that the XXXX account listed on my credit report is not mine. This account was created during the XXXX data breach, and to date, XXXX has been unable to verify its authenticity. The only account I had with XXXX was a savings account, which I closed several months ago. Therefore, the inclusion of this unverified and unauthorized account on my credit report is a direct violation of my rights and your duty to accurate reporting. 


I demand that you take immediate action to rectify these violations by removing the false accounts from my credit report and ensuring that they are not reinstated without proper verification. Failure to comply with this demand will leave me with no choice but to pursue legal action against XXXX, XXXX, and TransUnion, holding you accountable for the ongoing harm caused to my credit and overall financial well-being. 


I expect your prompt attention and resolution in this matter. Please be aware that I am prepared to take all necessary legal steps to protect my rights and seek appropriate compensation for the damages incurred. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Original loan from XX/XX/XXXX had an interest rate of 7.650 % and a payment of {$460.00}. The loan was modified in the fall of XXXX, with an interest rate of 1 % starting with the XX/XX/XXXX payment ( {$60.00} ) through the first 5 years. The interest rate would then increase to 4 % on XX/XX/XXXX ( payment of {$92.00} ) and continue through to the loan 's maturity on XX/XX/XXXX. 
The company is under a court supervised financial restructuring. It assigned a new number to the loan and in the process, then returned the loan 's terms to the original ones instead of following through with the loan modification terms.
Product: Debt collection

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit systems There are 6 accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written consent.
Product: Checking or savings account

My Father had a XXXX in XXXX of XXXX and had limited mobility after that. He had been using a bookkeeper for most of his items and they were discontinuing servicing in XXXX. We had spoken to Bank of the West in XXXX as to what was necessary to get me added to my father 's Personal and Business accounts and they said a large amount of paperwork need filled out. I live approximately XXXX miles away, but would visit frequently and needed to do some banking chores. My father filled out paperwork and had them send the paperwork to the Bank of the West on XXXX and XXXX for my signatures ( I am unsure of the dates and the bank has no documentation of any of this according to the branch in XXXX, I was not provided a copy after signing in the branch ). I signed all paperwork at the teller window at the branch in XXXX for them to get the process finished. Upon recent visits to Colorado in XXXX and XXXX, I was told there was no record of the documentation that was worked on at XXXX branches and they would need paperwork filled out again. My father was on his death bed literally and passed away while I was there on XX/XX/XXXX, so filling out paperwork again was not an option. I inquired to have them look again for this paperwork and was told it still could not be found and even if it was there was nothing they could due after his death. This was all supposed to be handled while living many months earlier, sensitive documents with account information and signatures just disappeared. They immediately closed his accounts when I let them know of his passing even though I was durable power of attorney and told them I had written checks ( they immediately took away online access too, but told me I could still make deposits ). They were horrible to deal with and I had to use my own funds at my own bank to try to keep his business and home running due to complete negligence by Bank of the West. Heck, probably got fees for returned items too there, but can't tell because they took away all access even though I should have been on the accounts long before to make this process less stressful and easier to handle. Thanks to Bank of the West, I have numerous disconnect notices and late fees/charges from utilities and the like causing great anxiety over their improper handling of documents...
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXXXXXX XXXX submitted a fraudulent hard inquiry. Credit was denied, but the hard inquiry remains on my credit report over a year later. I have tried with both the credit agency and XXXX XXXX to have the inquiry removed, but neither has done so. The credit agency says only XXXX XXXX can remove it. XXXX XXXX has been unresponsive to multiple phone inquiries and to a XXXX complaint.
Product: Checking or savings account

I was contacted today regarding an open account from XXXX by someone representing Bank of America. They have my info but I do not recall opening an account back in XXXX. It is now XXXX and the statue of limitations in the State of New Jersey has already expired. I would like Bank of America to stop calling me my spouse and my employer for this old fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified mail, asking for investigation into XXXX XXXX Account XXXX XXXXXXXX. The bureau 's did not respond. According to federal law requires the bureau 's to respond in 30 days its been over 90 days no response
Product: Credit reporting or other personal consumer reports

I request that they remove this inaccurate information about the late payment I have stated that I have never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WROTE AND SENT A LETTER XXXX  XXXX, AND EXPERIAN. TELLING THE TO PLEASE REMOVE OFF OF MY CREDIT REPORT. TO THIS DATE I HAVE NOT RECEIVED ANY INFORMATION. I HAVE TRIED TO REACH OUT TO THEM AND NO ONE HAS BEEN ABLE TPO HELP. ME. I WILL ATTACH ALL THE DOCS THAT I HAVE MADE AND SENT.
Product: Money transfer, virtual currency, or money service

Branch : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check amount : {$1000.00} Cashier name not provided : Female with XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to go to Chase XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cash a Chase check. I do not have any open accounts with Chase. The teller said I would be charged {$10.00} to cash a check which I agreed. She handed me the cash and put it in an envelope and sealed it. Before leaving I opened the envelope to see the receipt but there was no receipt. I asked if she could give me a receipt for my transaction and she refused. I then stated again that I wanted a receipt and again she refused she was not going to give me a receipt that there was no receipt which is extremely odd. She said mentioned something about the {$10.00} fee again but that does not explain or has anything to do with my wanting a receipt. This is extremely worrying that a transaction involving money would generate no receipts and that upon asking for XXXX they would blatantly refuse to comply which is why I am reporting them accordingly. I had to leave but have since tried to call customer service but they are completely useless, the agent did not know what to do in fact I'm not sure he understood what I was asking. I also tried to contact support through x since those are the XXXX only options on the Chase website for non customers.
Product: Student loan

I am on the XXXX plan with Mohela and received an email today titled " Interest Accrual During Forbearance, '' and the email says " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. '' This information is contradictory to what is posted on the studentaid.gov website, which reads " While in forbearance, you do not have to make monthly payments on your student loans. Interest will not accrue during this forbearance. '' I should not be accruing interest on my loans at this time. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from Transunion and noticed that there were a allmost a dozen inquiries that I did not recognize or authorize. 

XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I wrote a letter at the beginning of the month and sent it certified. I also called to speak with a representative on XXXX/XXXX/XXXX and he stated that there is not anything that he could to help me. I have put multiple fraud alerts on my account since XXXX and as recently as yesterday, XXXX/XXXX/XXXX for reasons exactly like this. I would appreciated if these inquiries are removed immediately.