23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance : {$110.00} XXXX # XXXX Balance : {$3800.00} XXXX  # XXXX - Balance : {$3800.00} XXXX  # XXXX - Balance : {$3800.00} XXXX XXXX XXXX # XXXX - Balance : {$580.00} XXXX XXXX XXXX - Balance : {$580.00} XXXX  XXXX  # XXXX - Balance : {$550.00} XXXX XXXX XXXX # XXXX Balance : {$480.00} XXXX  # XXXX Balance : {$840.00} XXXX XXXX # XXXX - Balance : {$260.00} XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I received a letter from a collection agency XXXX   XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : XXXX XXXX, regarding an amount owed of {$80.00}. As the only account I have ever had with XXXX was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted XXXX XXXX and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at XXXX, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a MRS BPO LLC agency ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or XXXX credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from MRS dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from XXXX indicating no change to collections balance. I was transferred to XXXX credit who could no longer locate the account to investigate further. XXXX then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with XXXX initially. At this point XXXX gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from XXXX via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by XXXX would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue.
Product: Checking or savings account

Bank of America closed my account without prior notice or explanation of reasons. I tried to get them to transfer the money in my account to my other bank account without any help. I can not access the account or the funds in the account. It's been almost a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

skopos financial has been making false report with XXXX, XXXX, and XXXX, regarding when my first late payment began. i open skopos automobile loan XX/XX/XXXX, i began having financial difficulties around XX/XX/XXXX, i have provided supporting document from skopos from XXXX thruXXXX late payment statement with past due amounts ranging from {$910.00} to {$1800.00} in late payments. credit reporting law states 7 years from the first date of being late, skopos has been reporting my account late begins XX/XX/XXXX. 4 years after the true date., there adverse actions had cost me denial of credit and higher interet rates.i have asked XXXX, XXXX and XXXX to reinvegiagte this matter. with late payment statement i have yet to recieved this account removed from my personal credit report. i submit copies to all three agencies in late XX/XX/XXXX, only thing im seeing my credit score dropping.
Product: Mortgage

I applied for assistance for my mortgage with Nationstar and was denied for a loan modification on XXXX XXXX, 2015. The reason for the denial was due to an error in calculating my net income. I make tips and my tips are shown ( separately ) on my pay stubs apart from my base salary. Whom ever calculated my net income DID NOT count my tips which are also shown clearly on my pay stub. I appealed the denial from Nationstar by mailing in a written appeal via my attorney and it was confirmed received by Nationstar on XXXX XXXX, 2015. This was within the 30 day period in which I could appeal their obvious error. Nationstar never replied to me and upon having my attorney contact them today ( XXXX/XXXX/2015 ) they state my appeal was denied. My attorney asked them why no letter went out as a response to my appeal and the person who answered the phone simply refused to state why. My attorney advised me that this is common for Nationstar that they continually block people from review for assistance. They are now commonly NOT sending out the required responses and replying within the 30 day period required by law. I am very upset they did not reply to my appeal as they made an error that may cost me my home.
Product: Checking or savings account

I opened a CD account with Citi mobile. I have citi credit card and they were offering a CD for 7 months. I opened the CD and transferred money through the mobile app. I called in to let them know that I was not going to renew the CD and I wanted to transfer funds out. They told me that I needed to provide a security word, I never set up security word. They said it was my mother maiden name. It was not! They said that I needed to have a debit card in order to be verified. I don't have a debit card, I provided my social security # and credit card #. They said that won't work for CD 's you need a debit card. I don't have debit card, i only opened CD and want to transfer funds back to my XXXX XXXX XXXX account on record for transfers. I could not do anything. I sent the letter and they signed for it XX/XX/XXXX. The CD has 7 day grace period and it matured on the 27. I can not get anyone to tell me if I will ever get my funds. I am told that I need to drive to branch and show my drivers license. There is no branch in Arizona. 

I have no idea why they would allow people to open CD accounts, knowing that they can not transfer funds in the mobile app and if you call in you need a debit card in order be verified or have a passcode that can not be set up with CD.

I want citi to wire my funds to my XXXX XXXX XXXX XXXX per the letter I sent and they signed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well being. 

Accounts Information in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. Please remove these inquiry immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect. I then emailed Equifax in regards to my frustration of their representatives and was told to call consumer affairs and they would help me. I've called and emailed the agent ID numbers to equifax with no resolution of my disputes or request of my credit report. 

In my email I also requested a copy of my credire report because I do not trust the information is being reported accurately.
Product: Checking or savings account

When I was XXXX years old I opened my chase account. My uncle at the time was investing into cryptocurrency and wanted to help me also so we signed up for XXXX and this should be around XXXX. XXXX had some issues and I'm not sure why but I can blame it on XXXX, but this caused a dispute and chargeback and then later on chase cut relationships with me. I learned it was crypto at the time due to research on XXXX and XXXXXXXX and XXXX and similar complaints at the time and they refuse to tell me the reason. I got a offer in college during XXXX to open a chase checking account in the mail so I opened a account got the XXXX skin card. In a few days my account was closed I was so upset and they keep sending emails about my credit score and things as if I have a open account monitoring my credit. I tried to fix the issue during covid 2020 again over the phone and they never followed up because I was asking what can be done to fix this issue and do I owe a balance for the crypto charge back and my family bank with them and I want to also and I don't mind to start paying off a balance or do something to bank again with them. I want them to understand I was young and didn't know they are not fond of Crypto at the time even though they don't want to acknowledge that. I simply want my checkings account back and to go about my life and I was told so many things, try in a few years which I did, this happened at XXXX years of age now I'm XXXX going onto XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/XXXX. Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
XXXX. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation.

Additionally, under the FCRA Section 617, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly. 
To reiterate, the disputed items are : XXXX XXXX XXXX Account Number XXXX Date Open {$430.00} Balance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$94.00} XXXX XXXX XXXX Account XXXX XXXX Date Open XX/XX/XXXX Balance {$190.00} XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/22 at XXXX XXXX, a buyer calling herself XXXX XXXX attempted to buy my camera from XXXX XXXX for {$800.00}. She wanted to pay through XXXX. She claimed to send the money and at XXXX XXXX  I received an error message from a fake XXXX account, noting that the {$800.00} could not be processed until I upgraded to business. The message said I could upgrade by accepting {$1000.00}. The buyer offered to pay the extra {$200.00} if I refunded her after receiving payment. She claimed to send the money and I received another email from the fake XXXX account notifying me that I had been upgraded to business and that the money went through. I sent her the {$200.00} at XXXX XXXX  before noticing that the money was not in my bank account. I ceased speaking to her at XXXX XXXX. At XXXX XXXX, I notified PNC Bank over my messaging app that I had been scammed and that I would like them to reverse the charge. PNC Bank responded at XXXX XXXX  that they could not reverse the charge because sending money over XXXX is like sending cash. I also chatted with PNC customer service and was informed that they could not reverse the charges and I am not entitled to any protections. Additionally, I emailed XXXX at XXXX XXXX  requesting that the charges be reversed, along with the most recent email from the fake XXXX account requesting more money. PNC responded that they could not look into my case. 

I reached out to XXXX on XX/XX/22 and was told that the charges could not be reversed.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XX/XX/XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Balance Owed : {$2500.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own behalf, no third party is involved. Experian has ignored and/or not address the multiple correspondences I have sent them accordingly with the law. There is a bankruptcy record on my report that needs to be DELETED immediately. This company could not show proof of their investigation and how it was verified. The record MUST be deleted because it also had multiple inaccuracies which I proved by showing Experian the other consumer reports with XXXX and XXXX. I gave them my written authorization to get this item removed, therefore by law, Experian needs to comply. Two of the various violations they have taken while investigating are included in the attached invoice.
Product: Debt collection

Hello there is a person by the name of XXXX XXXX who contacted my family members to inquire about a personal matter or debt. Now there are requesting my employer information. That is unethical and disruptive to contact my family. They called XXXX XX/XX/2023. The number they left behind comes up as Asset Recovery Bureau.
Product: Bank account or service

I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank. 

On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out. 

I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me. 

The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request. 

I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX. 
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed. 

I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do. 

It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX. 

The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do. 

It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money. 

I have sent numerous emails to XXXX and do not even get a courtesy response from them. 

In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held. 

I am told you are the person that can assist me with the wrong actions I have with Suntrust. 

Please contact me at XXXX if you have any questions Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had deposited a certified check from XXXX to my account at Bank of America on  XX/XX/29 at the ATM. The deposit slip stated that I will have all funds available for use on the XXXX of XXXX by XXXX XXXX. which was 2 days from when I deposited the check. However, two days later I was told in an email and telephone rep at BOFA that the deposit was on hold for an additional 8 days which now makes it available on XX/XX/XXXX. I have spoken to supervisors and managers over the phone attempting to get the reason for the hold based on the federal law and the Bank of America disclosure a cashier 's check should have been available to me within 3 business days at the most. I did also verify that XXXX had already cleared and paid the {$5000.00} check on next business day after I deposited. Also I've went in to a BOFA branch and spoke with the manager there and after doing some research all I was given was that the hold is " confidential reason '' and she's unable to view beyond this point however, the manager did agree that cashier 's check should not be on hold for this long. She claimed that she was not able to remove the hold or do anything with this transaction and advised that she will get back to me on Monday XXXX after she does a little bit more research on this hold. I have bills to pay I have been over drawn from other accounts I have at different institutions which is all due to this hold which I think is unnecessary. I also have a sick dog that needs XXXX and other Medical needs that I was needing this check for. I have begged and explain everything to Bank of America however they are not willing to help me and neither are they giving me a specific reason for this hold. Based on the federal law regulation CC and Bank of America 's disclosure there is no reason for them to hold this CASHIER 'S check. Please help me. This is beyond depressing for me at this point. I appreciate your time and effort thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This item repeatedly being reported to my credit file should be removed immediately. I do not have a contract or service agreement with this company XXXX XXXX. I repeatedly asked for proof of contract ( s ) with signatures with no response. Also, this company is not legally allowed or licensed to operate in the State of Georgia, or demand collection of debt, and is in violation of State law. Please remove this item immediately and cease from further reporting.