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

On XX/XX/XXXX, I contacted CIT Bank customer service inquiring about the suspension of my account which prevented me from accessing- including making withdrawals - from my Savings account. At this point, access to the account had been frozen for at least a week, since around XX/XX/XXXX and all transfers I've made out of CIT bank had been reversed. For example, I used the funds from a withdrawal ( {$10000.00} on around XX/XX/XXXX ) to purchase an investment product, but on XX/XX/XXXX my brokerage was forced to sell this product because they informed me that CIT had reversed my funds transfer.

Upon calling CIT on the same day, I was informed that my account is restricted and under investigation, and the agent gave me an indefinite timeline during which I won't be able to access any of my funds at CIT. I was told that CIT would reach out to me at their leisure, and during this indefinite timeline, my funds would effectively be frozen. It has been a week since my account was frozen yet CIT has never reached out. I gave them a week which is a reasonable amount of time to sort it out or at least reach out to me, yet it took me proactively inquiring about the account suspension for CIT to tell me that I won't be able to access my funds for another indefinite amount of time. 

During this freeze period, the impact on my personal finance will be severe as the majority of my savings is now under CIT. Nearing the end of the month, I will not be able to fulfill my debt and rental obligations without my funds that are currently frozen without an end date provided by CIT.
Product: Credit card or prepaid card

On XX/XX/XXXX I was contacted by XXXX at the mortgage lending department of nations lending company so I thought. He instructed me that because I was in a forbearance with my mortgage company that my taxes had not been paid in an order for my forbearance to not be discontinued I would need to pay the outstanding taxes of {$720.00}. I was then instructed to pay via prepaid American Express card. Because I can not pay all at once I was given the opportunity to pay in two payments one prepaid card was in the amount of {$300.00} the second was for the remaining balance done two weeks apart. After finally not receiving any confirmation or information I decided to call the lending company XXXX XXXX  for verification and more information about the situation. I was informed by nations lending that this had been fraudulent activity and they would not do something like this to request money from me. I reached out to the prepaid card company which was bluebird American Express and they would not give me information about the card because the card had been registered in another name. I was then given instructions that I should file a police report and allow the police to investigate. After reaching out to the authorities they explained that I could file a police report but not sure if the monies would be reclaimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( XXXX XXXX, Experian, XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 


XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am the executor of the Estate of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX, deceased XX/XX/XXXX, duly appointed executor by XXXX XXXX, Washington, XXXX XXXX on XX/XX/XXXX. 
The estates papers showed the deceased had a bank account at USBank, Account # XXXX with a balance of {$36000.00} a/o the bank statement dated XX/XX/XXXX. 
Upon requesting access to the account, USBank informed the executor that the account had Beneficiary Designations signed by XXXX XXXX assigning XXXX of his daughters as account beneficiaries. A copy of the Beneficiary Designation was requested, but USBank informed the executor that would require a subpoena. 
A court-issued subpoena, specifically requesting " All documents showing beneficiary designations for any account held by XXXX XXXX XXXX '' was duly served on USBank 's legal representative in XXXX and in response, USBank produced some documents but no Beneficiary Designation document. USBank further claimed that it has now produced all documents that it has in its possession relating to the XXXX XXXX XXXX account. 
Absent the production of any document authorizing USBank to disburse elsewhere any funds in the XXXX XXXX account ( {$36000.00} per the XX/XX/XXXX, bank statement ), USBank should disburse those funds without delay to the XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into an agreement with Sequium Asset LLC for the debt that XXXX XXXX XXXX had sent them. I had not known this bill was not paid when we changed services. I entered into this agreement when I was told this would not affect my credit due to the payment arrangements and made the first payment in XXXX. In XXXX they reported the full debt to my credit report, that I had made no payments and made no payment arrangements.
Product: Credit card

XX/XX/year> requested hardship and never received paperwork. I have 2 credit lines under this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
Product: Debt collection

Out of the blue, I get a call from : Pro Collect XXXX TX They were extremely rude, and insisted I owed for a XXXX XXXX electricity bill from 2013. I told them I never had that service. I asked them for details. They would only provide them by mail after I gave them my current address. They insisted I pay the debt immediately or they would report the non-payment to the credit bureaus. They sent a statement for a bill for a person who shares my name ( or used my name ), and lives or lived at a place in a part of the state I have never lived. 

I sent them a certified letter disputing the debt and asking for proof, such as an original contract, that the debt was mine. They responded only with the same billing statement from XXXX XXXX and stated the debt was mine.
Product: Debt collection

Military Star Card contacted my XXXX command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. 

In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



Account Number : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter. 

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

In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from Experian and XXXX   and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, ally financial, XXXX XXXX again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX ally financial, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that the reporting agencies XXXX Transunion and XXXX or in violation of my consumer rights according to 15 u.s.c. 1681 d
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX 

Upgrade : XXXX, XXXX : XXXX, XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States i have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I disputed the accounts with lenders as fraudulent and they were closed, I request them to be deleted from my credit report for accuracy reporting.
Product: Debt collection

XXXX XXXX and XXXX XXXX who I believe to be the same person have called my place of employment attempting to collect a debt for a pay day loan. They call about every XXXX minutes. Calls started on XX/XX/XXXX. I have informed them that i did not receive a payday loan and yet they continue to call and harass me and my coworkers. After reviewing my bank statements from XX/XX/XXXX, I did not receive a paydayloan. it is possible that I applied for one.
Product: Mortgage

I have been attempting to establish tax escrow on my loan for over a year. I have provided all documentation requested multiple times, but never received a reply, and tax escrow is never established. I do not think my servicer is compliant with requirements under Reg X/RESPA and at this point have no faith they will ever establish tax escrow on my loan. 

I have included a copy of the most recent set of documents provided in XX/XX/XXXX along with all the information requested by their online form they require I use every time. 

I last provided and communicated this to them a final time with all possible information in XX/XX/XXXX after making another tax payment myself, and they again did not establish the account. I received another noticed from my county tax office that a payment is due for XX/XX/XXXX. When I called my servicer today, they advised they " see multiple requests in the system- but it wasn't being done for some reason ''. They advised I would need to pay it again, send the receipt and all information again ( now the 3rd or 4th time information will be provided ). This call was over 30 minutes long, as all the others have been. 

- multiple occasions requested ( and noted in their system ) tax escrow added, most recently XX/XX/XXXX. 
- provided all required documentation requested by servicer, by submitting to their website - provided documentation on multiple occasions, including every possible document available to me from my county tax agency- was never contacted as to any issue or defect with submission, never received any reply - multiple phone calls 30+ minutes in length, most recently XX/XX/XXXX - no information, documentation, or response available online to reference this issue at any point - no phone call received about this matter, only contact ever from them is marketing and ads- again advised XXXX pay it myself and call back with a ticket number so they will take care of it- in XXXX, advised the company that their failure to establish escrow over multiple requests was a servicing violation and advised i wanted to file a complaint and escalate the matter, but nothing was done
Product: Credit card or prepaid card

In  XXXX    XXXX  , while a checking counter at a  XXXX   Sam 's Club ( No.   XXXX  ), the cashier suggested that I might qualify for a store credit card with a 5 % cash back benefit. I mentioned that I was not interested in just a store card, rather I would be interested only if the card included other benefits including cash back on purchases. She assured me that was the case. I told her to go ahead and apply for the card for me. I gave her my personal information as well as my Club membership information. I was approved within minutes and I used the card immediately for the store purchases.     A few weeks later I received the card in the mail and kept on using it at the Store and nearby Wal-Mart. I noticed it was a store card and was only limited to the  XXXX  stores. After the first and second statement cycles, I also noticed there was n't any cashback credited to my account. On  XXXX   XXXX , I called the SYNCHRONY BANK, which owns the card. I explained my disappointment and inquired if there was an error or a kind of bait and switch.     I was shocked to learn that even though the store clerk explained that they were applying for me a card with cash back benefits, they automatically applied for a second card without benefits once the first application was declined. So when I was approved it was the second card from the same bank and not the one I had originally applied for. Worse, they never told me that was the case, rather they went on to apply for the card that I did not agree to nor consent to. The Bank representative said there is nothing they can do except file a complaint on my behalf. There seems to be no recourse with the Bank  or Sam 's Club.      This is highly irregular to open a customer account different from the one offered without giving the customer the opportunity to decline. It is possible the store card are less popular so they bait customers with cash back credit cards and then switch them when they do n't qualify to the more beneficial card for the customer.     I am afraid to cancel the card after using it the last two months, fearing it might impact my fragile  credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, professional debt me account # XXXX, XXXX XXXX and account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999
Product: Debt collection

I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away. 

A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this. 
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.
Product: Debt collection

Capital One Bank card ending in XXXX - payment was negotiated through Federal Debt Relief Program, paid in full and balance subject to 1099. They are claiming I owe {$6500.00}, this amount should be XXXX. Their statement on my credit report is FRAUDULENT as this account is paid in full with a XXXX balance.
Product: Credit card or prepaid card

I made a {$15000.00} payment on my card which was received and posted to my account on XX/XX/XXXX yet Citibank put a " hold '' on my funds until XX/XX/23.
Product: Credit reporting

Equifax Credit Report reflects adverse accounts which are beyond the XXXX year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of XXXX years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While I filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. If Equifax has stated that the creditor has no historical records, this would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the XXXX year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are required to furnish such information. If the creditor has advised Equifax that there is no historical data, how can they on a second dispute that they have updated the information. How would the creditor provide updated information on an account that they have stated they have no historical records. Where would the updated information come from? Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. The account in question is XXXX. You may review the attached document for account number. Please remove this adverse account
Product: Credit reporting

I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report!
Product: Debt collection

In accordance with the Fair Credit Reporting act Radius Global Solutions LLC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. 7.

Cease and desist as this is identity theft. For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXXXXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX. 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, Equifax and XXXX.