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

Check # XXXX in the amount of {$720.00} from XXXX XXXX XXXX XXXX XXXX was deposited into my Bank of America business account, which is in the name of the XXXX XXXX. The check was written on XXXX XXXX 's account at XXXX Bank. 

The check cleared XXXX XXXX 's bank on XX/XX/scrub> 2024, Bank of America reversed the transaction and withdrew {$720.00} from my account on XX/XX/year>2024. I immediately contacted BOA and on XX/XX/scrub> 2024 the funds were reinstated while BofA conducted their investigation. 

On XX/XX/scrub> 2024, they again removed funds from my account claiming that it was a duplicate deposit and that my check was cashed at XXXX XXXX  on XXXX XXXX, 2024. XXXX XXXX provided me with a copy of the cancelled check, which includes only my endorsement for mobile deposit at Bank of America. It has no reference to XXXX XXXX. 

Since XX/XX/year>2024, I have contacted Bank of America 24 times and received different answeres each time I called. Bank of America has provided no explanation as to how this check could be cashed at XXXX XXXX with only my edorsement for deposit at Bank of America. They claim that they can not get information from XXXX XXXX. I called XXXX XXXX  twice and went to the bank in person to get more information, but they have no record of the check and said that they would deposit the check only if the check presenter has an account with them, which I do not. Bank of America claims that XXXX XXXX  has been non-responsive to their requests for information.
Product: Credit card or prepaid card

I opened a Synchrony Jewelry Luxury card in XXXX with a promotion that if I pay in full in 12 months, they would not charge interest. I paid in full within the 12 months and received a bill in XX/XX/XXXX showing an interest charge. I called them and they said they would remove the interest. In XX/XX/XXXX I received a bill with an interest charge and late fee. I called again and they said they would take care of it. I got another bill XX/XX/XXXX and XX/XX/XXXX. Both times I called and they said they would take care of it. Finally in XX/XX/XXXX it showed a zero balance. They then reported to the credit bureaus I was 120 days late with my payment. I called Synchrony on XX/XX/XXXX and explained the situation. The representative said he could see it on my record, it was clearly a mistake and that it would be removed from my report within 30 days. I received a letter dated XX/XX/XXXX from Synchrony stating their records show they are correctly reporting the account with a number to contact them if I had any questions. After being disconnected 3 times, I finally spoke with a Supervisor who told me there is no more to be done. How can they get away with this? The account is closed but they were able to access it by the last 4 of the account XXXX and my phone number XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had my Bluebird account was closed and the remaining VA pension funds are not being returned.

No one at Bluebird or American Express can help and I am afraid that they are going to keep any money that is scheduled to be deposited there including my Social Security check and the Federal Stimulus check. 



XXXX XXXX XXXX XXXX COPIES OF EMAILS InCommLossPrevention XXXX XX/XX/2020, XXXX XXXX ( 4 days ago ) to me to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I know tht some or all of you will delete this email, but I'm trying everything I can to get my money back. I'm a XXXX XXXX XXXX and a XXXX veteran who needs her money! 

XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX  ( 4 days ago ) to me I will have someone in my office look into this and get back to you XXXX XXXX XXXX XXXX XXXX ', m sorry tobother you, but no one is addressing what happens to my Social Security check from next week and to the money that Bluebird still has. I can not let this issue just be put away without an explanation of what I did and where my remaining money is. 
XXXX XXXX XXXX XXXX Good afternoon Ms. XXXX, We have reviewed your account and apologize for this inconvenience, however ; per the direction of the Social Security Office and the Inspector General Investigations team your account has been permanently suspended. Please contact the Social Security office for questions and concerns. 

Thank you, InComm Loss Prevention
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request to Block Fraudulent Information Under FCRA Sections 605B and 1681c-2 Dear TransUnion, I am writing to formally dispute the presence of multiple inaccurate and fraudulent items on my credit report. I request the immediate blocking and removal of the following accounts and inquiries under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : Accounts to Be Blocked and Removed Immediately : XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX  XXXX - Account # : XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account # : XXXX Inquiries to Be Removed Immediately : XXXX XXXX - Auto Dealers, New - XX/XX/XXXX - TransUnion XXXX  - Auto Financing - XX/XX/XXXX - TransUnion XXXX  - Auto Loans - XX/XX/XXXX XXXX TransUnion XXXX XXXX Auto Financing  - XX/XX/XXXX XXXX TransUnion Basis for Dispute : Identity Theft and FCRA Section 605B Under Section 605B of the Fair Credit Reporting Act, victims of identity theft are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit reports. To comply with this law, you must remove the accounts and inquiries listed above immediately. I am submitting the required documentation to validate my claim : A copy of my government-issued ID ( proof of identity ). A copy of my Identity Theft Report, filed with law enforcement or the Federal Trade Commission ( FTC ). Impact of Identity Theft and Data Breaches My personal information was exposed in multiple data breaches, including those involving XXXX XXXX XXXX, XXXX, and TransUnion itself. These breaches have resulted in unauthorized accounts and inquiries appearing on my credit report, harming my financial reputation and limiting my ability to secure loans, housing, or employment. Request for Immediate Action As required under Section 605B, you must block and remove the fraudulent information within four ( 4 ) business days of receiving this dispute and supporting documentation. Please confirm in writing that the accounts and inquiries have been permanently removed. Failure to comply with these legal obligations will result in an escalation to the Consumer Financial Protection Bureau ( CFPB ) and additional legal action to enforce my rights under the FCRA. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Mortgage

Recently I requested from Rocket Mortgage : What information of mine they share/sell/barter. 
With whom have they sold/shared/bartered my information and when they sold/shared bartered my information. 

This simple request turned into a fiasco by them when I had to : speak to XXXXOUR people, write numerous emails, receive two meaningless and erroneous letters that XXXX authorized AND be dismissed twice ( by XXXX XXXX XXXX ), when they tired of my questions. ( She has refused to talk to me forever on this subject. ) I advised XXXX I fully intend to request this info every year - how will I do this if they have orders to not speak with me? 

I received their 'letters ' which did not include the names of companies with whom they shared/sold my information. 
did not include what info they sold ( they only identified the classification and type i.e. Loan information and city/state never telling me the actual city/state or if it was mailing address or property address ) did not include dates of when they actually released my information to 'someone '. 

In a voice discussion with XXXX, he stated they do not sell/share my SSN. XXXX refused to contact one of THEIR vendors, BUT she suggested I contact XXXX XXXX, which I did. XXXX XXXX stated that Rocket Mortgage did, in fact share my XXXX. 

SO - over the course of a month, numerous calls with XXXX people, emails, erroneous letters- I STILL DO NOT HAVE A THOROUGH REPORT OF MY REQUESTED INFORMATION and Rocket Mortgage is hiding something, even if it is just the truth about sharing my information. 

The public and their customer/mortgagor base has a right to know what kind of company this is- at the least what kind of people ( XXXX, XXXX and XXXX ) are speaking with the mortgagor/customer. PLUS I still want a report! 

XXXX XXXX has stated she will no longer discuss this issue with me, however I expect to request this info every year going forward - I certainly can't go through this nightmare every year. do not want to waste a full month with Rocket Mortgage every year!
Product: Debt collection

YOUR COMPANY IS REPORTING AN ACCOUNTFOR ( {$900.00} ) THAT IS INACCURATE, UNVERIFIED AND PAST THE STATUE OF LIMITATIONS, PAST THE STATUE OF LIMITATIONS FOR COLLECTION IN MY STATE. IF THIS ACCOUNT IS NOT DELETED WITHIN XXXX DAYS I WILL BE SEEKING REMEDY FOR DAMAGES UNDER THE FCRA AND THE FDCPA FOR EVERY MONTH IT HAS BEEN REPORTING ON MY CONSUMER REPORT. UP TO {$1000.00} PER VIOLATION. YOU HAVE XXXX DAYS TO DELETE THIS ACCOUNT. ( DO NOT TRY TO EXPLAIN THAT YOU ARE CONTRACTED TO COLLECT FOR ANOTHER COMPANY, I WILL BE SEEKING LEGAL ACTION AGAINST YOUR COMPANY BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. )
Product: Checking or savings account

On XX/XX/2024, I had a deposit into my business checking account for {$6500.00}. 

On XX/XX/2024, I attempted to transfer funds from my account but was not allowed to do so. Additionally, I could not use my debit card either. I contacted the bank and was told I need to verify my identity. I was sent a link to my email address where I had to upload a copy of my Drivers License and scan the barcode on the back. This was done and I was also asked to do facial recognition by holding the camera to my face. I completed the two tasked that were asked of me. The agent I spoke with on the phone indicated that it takes two business days for verification to occur. Approximately an hour later, I received an email that stated my account had been deactivated. I called back to get an idea of why this happened and was only told to refer to the email. No other information provided. I'm distraught because I have over XXXX being held for 90 days before being released. The email details are below. 

Hello, We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated.

What does this mean? 
You still have access to view your Square Dashboard, but you will not be able to process new transactions using Square. Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2024. 
Please note that the release date and amount available for release are subject to change based on any additional activity, including chargebacks or bank returns that occur. If there are any chargebacks, they will be covered using the funds held in your Square account. If the held funds are not sufficient, your linked bank account may also be debited.

If you have a payment that hasnt yet been deposited, please see our support article on issuing credit card refunds to your customer and accepting an alternative payment method. Customers who paid via bank transfer must initiate a return directly with their bank.

Thank you for choosing Square. We understand that this decision may cause changes in how you run your business and did not make it lightly. For more information about our policies, please review the Square Payment Terms. 
We appreciate you considering Square for your processing needs.

Sincerely, Square Account Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that Transunion, XXXX, and XXXX did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are XXXX my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.
Product: Credit reporting or other personal consumer reports

A fraudelant credit report popped up on my XXXX credit report. I attempted to submit a dispute the same day and the system told me I couldn't because I already filed a credit report against them in the past when I absolutely did not. I went to rent property and the company that sold them my information said I had to pay {$250.00} to do an application. I asked the company would my money be refunded if I'm not approved for the apartment they told me yes. I paid the {$200.00} they did my application I was not approved and they never refunded me my money. I have been trying to get my {$250.00} from this company and they kept promising to look into it to give me my money back and never did. They some how took my information and sent it to collections as if I owed them {$250.00}. This is absolutely fraud. And I have the screen shot XXXX would not let me submit my complaint they told me I already submitted XXXX and the bill literally just hit my credit report. I attempted to call them and was unable to speak to a agent. This company actually owes me money I even told this to the creditor and he started yelling at me he was going to send my account to collections if I didn't pay him. This needs to be removed from credit report. Also XXXX thinks you can give a full story on why you don't owe something on your credit report with XXXX characters which is absolutely insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX there reporting agencies are refusing to up date, correct and monater my credit file. An causing my credit sore to to amen aster different information that has stop me from buying a home and landing me to XXXX. Over the lays 60 months the have be in contact have disputed information wiriten email lots of phones to address this is matter an this the second time get in the CFPB in volved in this dispute. So now I am requesting an appeal to the federal Courts this has cause not only a financial cris and discredit my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Customer Service would not help take care of negative inquiries on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked United Revenue to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was four inquiry on my credit report from the companies listed : XXXXXXXX XXXX XXXX, Capital one auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The companies " XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was 820+.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX paid a merchant to provide hair services on XX/XX/22 in the amount of {$80.00} deposit fee. Services were never rendered. Her phone number is XXXX. Her address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX la.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a response from the credit bureaus or the creditor. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Also, this personal information is inaccurate and has not been proven. I've addressed this in the past and it needs to be removed!! Delete these unknown and unproven addresses : XXXX XXXX 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: Debt collection

I am writing to address the recent response from Midland Credit Management regarding the alleged debt associated with my name and to express my concerns regarding violations of federal law in the handling of this matter. 

Firstly, in your response, it was stated that I was unaware of this debt and that proper notification was not received. I appreciate the acknowledgment of this fact ; however, this acknowledgment raises serious questions regarding the legality of the actions taken by Midland Credit Management. 

It was further stated in your response that this account was charged off before being sold. According to federal law, when a debt is charged off, it is considered as written off. This action brings to light a violation of IRS regulations concerning the treatment of written-off debt as income. As per the IRS 1099-C form, when a debt is written off, it is considered as income. However, under the guidelines of all three Credit Reporting Agencies ( CRAs ), income shall not be reported to any consumer 's credit report. Thus, the reported action of charging off the debt and subsequently selling it to a collection agency constitutes a clear violation of federal law. 

This leads me to demand the immediate removal of this alleged debt from my consumer report. Not only was proper notification not provided, but the handling of this debt by Midland Credit Management has also resulted in violations of federal law. I am prepared to take legal action if necessary to ensure that my consumer rights are upheld. 

Additionally, if the reported debt is indeed accurate, I request that Midland Credit Management provide me with all signatures of individuals who verified the accuracy of this debt and details of the steps taken to verify its accuracy and the certified mail mail receipt with my signature on it. Transparency in this matter is crucial to ensuring that all legal and ethical standards are met. 

Under 15 USC 1681e ( b ), CRAs are required to ensure maximum possible accuracy in consumer reports. If this requirement had been met, it would have been evident that income does not get reported to consumer reports, as stated on the websites of all three CRAs. Furthermore, allowing Midland Credit Management to furnish this alleged debt to my consumer report without proper notification is a direct violation of my rights. 

If this alleged debt is not promptly removed from my consumer report, and if the requested information regarding verification procedures is not provided, I am prepared to pursue legal action against Midland Credit Management for its violations of federal law and against all three CRAs for failing to ensure the accuracy of my consumer report. 

I trust that you will take the necessary steps to rectify this matter promptly and in accordance with the law. I look forward to your prompt response and resolution of this dispute.