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

This NEW COMPLAINT is a supplement to CFPB COMPLAINT # XXXX. Now with prior unavailable documents. 

On XXXX XXXX, a firm I want to work for sent me a check covering my Trvl Exps {$2000.00} + salary of {$2800.00} + meal exps. {$450.00} = {$4800.00}. [ Check exh. ]. I received the check by USPS Priority Mail. Once I got the check, I deposited it by my cell to my SunTrust account. 

I was told that I can get the funds in the next business day. NOTE : ( FOR 3 MONTHS I was wanting to get the legal job. ) SunTrust Bank Mgr. was told. He denied my with-drawal, delaying my job for a full month, now XXXX XXXX to XXXX XXXX On XXXX XXXX, SunTrust illegally faked by fabricating some Claim of Fraud. 
NOT telling me ANYTHING ABOUT it. 
On XXXX XXXX, I got from ST my final acct. statement [ statement exh. ] After I filed a consumer complaint against ST, I received a letter from ST, [ XXXX XXXX XXXX ] refusing to release, pay me my balance in my acct. ST. verified funds had cleared, {$4800.00}. 
XXXX XXXX bank statement ]. In that state-ment, [ circled in red ], SunTrust [ took out {$400.00} ], leaving my final acct bal., [ circled in red ], the XXXX XXXX is refusing to send to me. 

XXXXn ST 's XXXX XXXX letter, [ highlighted in yellow, boxed in red ] that I have to get from XXXX XXXX XXXX a certified letter proving to ST ( 1 ). I am [ 2 forms of ID given to my local XXXX Branch mgr. ] and ( 2 ). That I [ name on check ], was the real person the check is payable to. 

On XXXX XXXX, I called XXXX XXXX XXXX XXXX Regional Ofc, XXXX XXXX [ phone no. top ST XXXX, XXXX ] and spoke to C/S rep., who told me after I explained to her what criminal activities ST was wanting XXXX to do XXXX [ Ref. ST XXXX XXXX XXXX. ] The C/S told me that her office will not do what ST wants after she received by email, the copies of what ST sent me that CCB has verified that the funds are intended to -- for me based on the correct routing number, account number, and pay to the order with my name spelled correctly. [ Ref to Check ] and Bank cert on the check. 

Therefore, I am demanding XXXX XXXX be prosecuted fir its same ongoing criminal acts as XXXX is holding {$9000.00} of my money after 2 years, refusing to pay me it ; and XXXX XXXX  XXXX  is illegally holding my {$9900.00} from 1 year ago, each FTC, CFPB, FDIC, and FBI are not prosecuting on 10,000+ other victims of those banks. 

Thus, I want my money to be ordered to be sent to me ASAP. 

Finally, under the Fed. Cr. Code 18 U S.C. Secs. 2312, 2112, National Stolen Property Act, SunTrust Bank, XXXX, and XXXX XXXX  must be held liable under that criminal code.
Product: Credit reporting

XXXX credit line and amount owed are too high..limit should be XXXX owed should be XXXX
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Your company also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX the financial institutions, and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in documentation for the inquiries that are on my report and they are still there on my XXXX  report. My XXXX  report has been corrected and updated. Experian and XXXX  will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.
Product: Credit reporting or other personal consumer reports

Ive disputed inquiries that are clearly fraudulent I sent in the necessary documentation that I was asked to send in and still nothing. Ive purchased a vehicle back in XXXX of 2023 someone is trying to purchase another one now equifax is the only credit bureau that refuses to remove the inquiries.
Product: Credit reporting or other personal consumer reports

Summary of the issue : XXXX insurance company wrongfully attached my drivers license / identity to someone elses policy, with an identical last name. Lexis Nexis has been slow to correct this issue, and in the past, failed to notify me via mail correspondence, acceptance or denial of my CLUE revision request. 

Background context : Another XXXX policy holder, has a daughter with both an identical first name, last name, and date of birth as me. This daughter, insured under her mothers policy with XXXX, got into an accident, and my drivers license was wrongfully attached to their claim in place of what should have been her daughters drivers license. 

It is unclear how my license ended up attached to a strangers accident claim, other than the fact that her daughter, and myself, have an identical name, and date of birth. 

After months of seeking resolution and dozens ( no exaggeration, this is all on record ) of phone calls to XXXX, their claims and underwriting department have finally submitted correction of this major mistake to Lexis Nexis in XXXX. 

However, I have not yet received any information or updates from Lexis Nexis confirming the completion of removing the accident from my CLUE report. 

I now live in XXXX, TX and financed a vehicle in XXXX of XXXX. When shopping for insurance at the end of XX/XX/XXXX prior to purchasing the vehicle, I decided to look at XXXX, XXXX, and other major insurance providers. 

Upon completing my auto quote on XXXX, it was displaying that I had two accidents on my driving record. 

I realized for the first time there is an accident associating with my driving record, that was not my accident. 

XXXX stated their system pulls from a third party, Lexis Nexis. 

I then called Lexis Nexis to inquire details about this accident that was wrongfully associated with my identity. 

I then proceeded to request Lexis Nexis to remove this accident from my CLUE report, stating all necessary facts. I was not involved in that accident, and it was wrongfully reported utilizing my identity. 

I was told by Lexis Nexis that the claim was reported through XXXX. 

Additionally to note after this request was made in XX/XX/XXXX, Lexis Nexis never sent any written correspondence as they were supposed to, confirming or denying my CLUE report removal request. 

After dozens of phone calls to get through to the correct department, I found out from XXXX that nothing would change from my CLUE report, until their underwriting department submitted a correction to Lexis Nexis. It took dozens of phone calls to different customer service representatives, and multiple managers and supervisors, to have proper action taken to correct this issue.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$130.00}
Product: Credit card or prepaid card

I made a purchase and the kohls return policy is standard 180 days but for this item they say they changed some things and now can not return. Item literally chemically burned my face.
Product: Debt collection

I was never sent any statement or updates in regard to a debt with the company Carter- Young XXXX XXXX . I was told I would receive a statement with final balance to ensure I was aware to make the last payment owed. Called the company to inquiry and was unable to obtain balance information. After seeing the report of a collection for this company I called to pay the debt and informed the representative I never received a balance before now and asked for them to verify how i was informed prior to the collection. They were unable to provide proof and stated with the balance paid they would remove the collection from my credit report ( XXXX, XXXX  and XXXX ). At this point collection has been paid in full and they have not removed the collection from the 3 credit reporting bureaus.
Product: Debt collection

i have a XXXX county superior court case XXXX demand for payment of {$9500.00}. took my remaining $ XXXXfrom my bank account yesterday i am a single mom and there are XXXX college children
Product: Checking or savings account

I deposited my stimulus check from the gov of {$1200.00} to Capital One Bank ATM machine in XXXX XXXX XXXX, XXXX, NY XXXX around XXXX. I went home and immediately went on a chat with an agent on capital one requesting to have some of the funds available to me since I physically deposited the check. He released some funds to me and even helped me get my {$35.00} overdraft fee back. {$1000.00} of my {$1200.00} was available and everything looked okay. I woke up today and the deposit is not showing on my account. I was charged 3 overdraft fees for transactions I made right after I had some funds released to me from the cap one representative. I couldnt even had made those transactions without the funds being released since I was negative before that. I wake up the next day and my direct deposit from work is in my account but the check deposit disappeared. Its not visible in any sort of way. I contacted the bank via chat and asked whats happening. They said they do not see my check deposit. This makes NO sense since i made transactions yesterday and she even got in contact with the rep i spoke to yesterday immediately after the deposit. They agreed to refund my three {$35.00} overdraft fees from overnight. My {$1200.00} check they can not locate and confirm for some reason. The physical check must still be sitting in the ATM machine and I did not get a confirmation to prove it but its physically in there. Rep told me that this has to go to claims. I am outraged since I am now missing {$1200.00}. I had a lot of things scheduled for today. I was told to call claims dept. They too can not see the check on the back end apparently and will not release my funds to me. This is not something that I did but the bank messed up and can not trace my deposit yet the physical check is already in the ATM machine. They can check the cctv camera around XXXX to see that I deposited the check. They are holding my {$1200.00} in an ATM and wasting my time calling the bank and claims and chatting with different representatives only to be told that they can not trace is and an investigation will open. I just want my funds while they do their investigation since I am SURE i deposited my check. How can I trust my bank after this mishap. I dont even have a picture of the check nor can I contact IRS asking them to confirm with Capital One in regards to my check. This seems VERY suspicious and unfair as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation on the following information that appears on my consumer credit report. I have disputed these inaccurate and unverifiable accounts on my Experian account and Experian has refused to take action and remove these following accounts : XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX Experian has informed me that this information has been verified and accurate but have not provided any information as to how it was verified as accurate considering it is not. 

These accounts are tarnishing my reputation, I aspire to buy property and this derogatory marks are keeping me from doing so. They are inaccurate and unverifiable and according to 15 U.S.C. 1681 there should not be any damages on my consumer report. This is defamation of my character.
Product: Checking or savings account

We had a horrific recent experience with our XXXX XXXX account and the customer service team was extremely unhelpful in righting their wrong. My husband and I have a joint account in which we invest our savings into CDs and stocks. We check the account twice a month and was shocked at our latest login on XX/XX/XXXX that our account was blocked and closed with the whole balance GONE. We called customer service right away and they informed us that since both owners did not complete the refresh of personal information in time, the account was blocked and subsequently closed, and they have sent a XXXX check to our address. What financial institution practice allows you close an account without notifying BOTH account owners by mail, email, security message, or phone call?! We log into our account twice a month, and there were no warnings and no messages and no notifications. The customer service XXXX was less than helpful and kept listing out regulations and laws and how they were following their procedure. 

To be clear, this is what XXXX procedure amounts to : if you have a joint account with a significant other and you want to take that money and run away with it, simply do NOT update your personal information when XXXX asks for it. Your joint account partner will have no clue, receive no notification, message, nor phone calls. XXXX will simply block and close the account after some time, sending you a check, and your account partner will only find out if XXXX logs in to check their balance. You then can take that check, cash it in, and sail off into the sunset. Needless to say, this is a flawed, borderline illegal, practice. We log into the account using my ID twice a month, I personally invest in the CDs and make the trades. How do you take away MY money without notifying XXXX is beyond comprehension. But no, XXXX refused to take blame and admit that they screwed up, and closed out our account. Fine, we can take our money elsewhere, except they cost us a lot of potential income. 

We had bought a XXXX CD at XXXX  % that should have yielded {$XXXX}. However, it was sold prematurely with only {$XXXX} of interest, causing us to lose out on {$XXXX} because we are not able to find a CD with that high of an interest anymore. Also, {$XXXX} in Transaction Charges and Commission Fees were charged when XXXX liquidated all of our stocks without notification or authorization, fees that are not incurred when I do the trades myself. We are hereby asking XXXX to remediate their wrongdoing by refunding us {$XXXX}. 

We want XXXX to take responsibility for their mistake, refund us the potential interest, charges, and fees that their wrongdoing costed us. Hopefully they will also review their process and make sure they contact and notify ALL OWNERS of joint accounts, so they dont make a bigger mistake in the future.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Checking or savings account

On XX/XX/XXXX of XXXX, I received an email saying I was opening a Bank of America Account, but I did NOT open the account. I called and was told that someone was trying to open an account in my name. The account was stopped and I was told that they would prevent someone from using my information to open an account. On XX/XX/XXXX, of XXXX, I was informed that an account was OPENED and I did NOT open the account. I called Bank of America again, and they said that they stopped the account from being used, and that my information could NOT be used to open an account with Bank of America. Again, today XX/XX/XXXX, I have received another messaging indicating that I have successfully OPENED a bank account with Bank of America. I have called, and will be calling again tomorrow, as they have closed operating hours right after the account was opened. I have NO idea who I need to contact, but apparently Bank of America does not have good identity proofing, and clearly are allowing people to open accounts after already assuring me that they had preventions in place to STOP it from happening. I would like BOA to improve their fraud handling so that when they say they are preventing any account from being opened with my personal details that they in FACT actually STOP it from happening. I do NOT bank with them, and will NEVER bank with them, as they clearly are not protecting my information, even after XXXX calls to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

On XX/XX/year>, I filed a report of identity theft and fraud to Equifax. My Equifax credit report shows that I have an account with XXXX XXXX  with {$20000.00} of debt. This debt showed up on the credit report on XX/XX/year>. I do not nor have I ever had an account with XXXX XXXX. The fraud is still showing on my report. I called Equifax today, XX/XX/XXXX, and was told my case was closed and no fraud was found because they had contacted XXXX XXXX  and were informed that I do have an account with XXXX XXXX  and the charges are accurate. This is false. I followed up with a call to XXXX XXXX, who confirmed that I do NOT have an account nor any debt with them. This fraudulent account on my report has lowered my credit score over XXXX points so I need this matter to be resolved immediately. All other credit reporting bureaus resolved this issue within less than a week of me reporting it.
Product: Debt collection

On XX/XX/XXXX I ordered from XXXX XXXX XXXX XXXX XXXX XXXX Denim Jacket size small color midnight Blue item # XXXX order # XXXX I never received my jacket. from XXXX XXXX XXXX.
1. I filed a complaint with the Federal Trade Commission in XX/XX/XXXX reference # XXXX & XXXX 2. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that I received the XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX item XXXX Denim Jacket Midnight Blue size small re Account # XXXX stating I would be re billed for the jacket I filed a complaint with CFPB ON XX/XX/XXXX / Complaint ID # XXXX  & Federal Trade Commission reference # XXXX 3. I emailed XXXX XXXX XXXX on XX/XX/XXXX and submitted document stating that I never received the item # XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX and I sent XXXX XXXX a Copy of the Police Report from the City of XXXX, CA Po
lice Department
Product: Mortgage

Submitted complaint  XXXX . Disputed complaint. Can not get to that anymore. Have been to court. Mortgage company has not acknowledged having recieved documents for modification on time but delayed in processing ( sectio n 6 respa, and took more than 37 to come to a decision ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores! 
Each company stated ok! 
Each bank supposed to cancel all credit cards! 
Then send me new credit cards! 
Not one of the banks canceled or sent new cards! 
I have called XXXX, Equifax, XXXX and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!