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

On XX/XX/2020 I was informed via telephone that my business bank account with SunTrust was being closed. I asked why, I was told I would receive a letter explaining why and that any funds in the account would be mailed in a check within 10 days. Approximately a week later, I received a letter from SunTrust explaining that SunTrust had decided to end their relationship with me and again stating any funds that were in the account would be mailed to me. At the time ( in or around XX/XX/2020, I had already requested funds from the IRS be sent to my business bank account and I was not able to reverse that transaction. On XX/XX/2020 a direct deposit from the IRS was sent to my bank account and was received by SunTrust into the account that was supposed to already be closed. On XX/XX/2020 I called SunTrust to ask when I should expect to receive my check ( minus any funds that were owed to SunTrust ). I was informed that I would have to wait at least 5 days after my last transaction from XX/XX/XXXX ( which was a {$15.00} maintenance fee charged by SunTrust ) to receive a letter regarding my account being closed. I had already received this letter in mid XXXX. Then I was informed that my check would be mailed ( at some point ) after that letter, likely 10 to 20 days per the customer service representative. I would prefer to not wait another month for MY money.
Product: Credit card or prepaid card

I recently checked my balance on the card and was told by the company that there was XXXX $ in my account, I then attempted to use the card to withdraw XXXX $ from an atm and was told there were insufficient funds. Immediately afterwards I checked my balance and was told there was XXXX dollars in the account with no explanation as to where the XXXX $ went. This all occurred on XX/XX/18, there was less than an hour in between the times I checked the balance and no explanation as to what would cause a XXXX $ disparity when no purchases were made on the card.
Product: Credit reporting or other personal consumer reports

TD Bank opened this account during a purchase I made with XXXX for a phone near XX/XX/2024. 
I received no notice that the account was opened, I was given no account number, no due date no remit address not email, regular mail text or call about the account when it was due or how to pay it or where to send it. They made NO ATTEMPT to call me untill XXXX of 2024 when they already sent account to collections. 

How am I suppose to pay the account when I don't have anything that resembles a statement. XXXX phones has since dropped TD Bank as a credit vendor because of their issues. I tried to go through the internal dispute process with TD Bank and they stated they would let me know of their decision within 30 days which they NEVER contacted me 30 days after my dispute by any means, just like they did when the account was opened. 

I have opened disputes also with XXXX, XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On several occasions I tried to call cashapp but only able to do online chat. Never got a human on phone
Product: Debt collection

To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.

The report records that I owe a company that I did not enter into any agreement with. I request that you provide the original documents for this information containing my appended signature and any other related information.

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 

Thank you. 

Sincerely, XXXXXXXX XXXX
Product: Checking or savings account

I received a referral link from friend and apply for checking & saving account with SoFi. The referral page is " XXXX XXXX XXXX XXXX XXXX XXXX ''. On the advertised page, it said " For a limited time, get {$25.00} when you sign up for a SoFi Checking & Savings account and deposit at least {$50.00}. '' I followed the requirement to open the account on XX/XX/2024 and deposited over $ XXXX within 30 days which meet the requirement. So far I still have not received anything from SoFi. I contacted them today on XX/XX/XXXX and was told that the deposit has to be made within 14 days which is not listed clearly on the page.
Product: Checking or savings account

Case # XXXXWells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX I contacted Office of the Comptroller who sent me a letter referring me to you. 
On XX/XX/2023 I was accused of smoking cigarettes in the hotel room ( XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX ) which I did not, subsequently, police were called who said that they could not kick me out of the room unless my money was refunded. They refunded my money and then charged me a {$150.00} fee right after I left that I did not authorize. I did not stay there that night. Also, I had checked in a little after XXXX XXXX., went home, and came back around XXXX XXXX. I was not in the room more than 30 minutes total for the entire afternoon evening before being kicked out around XXXXXXXX XXXX Wells Fargo has denied my claim and perhaps I should have asked why, but I've gotten frustrated. I just want my {$150.00} back. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to advise them there were inquiries on my report that I did not complete for accounts listed that were apart of identity theft. They refused to remove them and advised me to contact the creditor myself even if it is for accounts that I did not apply for myself.
Product: Mortgage

They continue to send robo calls, even after verbal and written request to stop
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/year>, XXXX XXXX started charging a monthly fee for {$3.00} on my XXXX XXXX. My balance remains at a {$0.00} and is due on the XXXX of each month. On the XXXX, the billing cycle ends, the {$3.00} fee is charged and my balance is reported to the credit bureaus all on the same day. As of XX/XX/year>, every month my credit report shows my credit utilization raises due to my balance increasing. This has affected my credit negatively. There is no way for a consumer to be able to pay their bill on the XXXX and have the payment post before it is reported to the credit bureaus on the XXXX. I tried to pay the XXXX XXXX monthly fee in full for the year to avoid this year but the website does not allow payments that exceed the current balance. A supervisors suggested the same thing but then confirmed with someone else that it was not possible. The reps do not seem to understand how credit works or how to avoid this issue and refuse to change the date that credit reports are updated or change the billing cycle or due date. The protocol is contradictory to their billing statements that mention credit reporting. I have attached copies of billing statements showing how the bills are due on the XXXX and the {$3.00} is charged the next day and and another attachment showing the alert I received from XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> i was charged a {$35.00} dollar overdraft fee for a negative balance! I explained the reason for the negative balance which occurred necaise i had death in the family so the representative refunded the overdraft fee for XX/XX/XXXX and the maintenance fee! Now i checked my account i have another overdraft fee for {$35.00} for XX/XX/XXXX which was a automatic payment and for {$29.00} spoke with a supervisor stated she couldnt assist me explaining they have already reversed the previous charge and yet i stated i have 2 overdraft fees in the same month have some courtesy i explained i had a ach deposit that was coming through XX/XX/XXXX!
Product: Credit card

I called to close my credit card because they were raising the interest to an unreasonably high amount and charging a monthly fee. I have paid it off and there is {$0.00} balance. Without any type of verification or checking, the rep immediately said " OK, it's closed '' it seemed suspicious so a couple days later I checked and can still login and the account appears open. I called back and the new rep I got was asking how they could help etc. When I said I wanted to verify it was close, he immediately said, " Yes, your account is closed. '' he never took any time to look things up and before that point was treating it like the account was open. 

This has made me very nervous. They never even said I would get a verification in the mail, which seems to be the norm. The whole thing seems shady and makes me not trust them. But they won't actually close the account. 

Indigo credit card with concora services.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC bank had recieved notice that i wouldnt be able to financially keep a vehicle so i did a voluntary repo. My wife lost her job due to working overseas and the covid situation over there shut her down. I lost a big amount of income and pnc bank wouldnt help me or anything to continue loan such as modifying vehicle payment. Ive sent out documents requesting my contract information and all above. I have tracked the mail as well. I even called coorporate and no one will send me information on this. I disputed these things with XXXX  XXXX  and XXXX because they keep saying i paid something on it and i never did. That account has wrong information and for the laws they are required to remove it unless proven otherwise. No one has proven anything and pnc bank will not send me my contracts or anything. Please help i dont know who to turn to because pnc bank are doing illegal things especially i never made a payment and they said i paid XXXX dollars.
Product: Credit reporting or other personal consumer reports

I have XXXX companies where someone tried to apply for type of credit .I have no knowledge of this I did not authorize these companies .Never ever did any business with the companies. I have contact the companies many times and no remove of the hard inquires. 

Below are the companies and dates I also sent a letter to the credit bureaus companies and its been over 30 days and I have not heard anything back from Equifax or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax
Product: Credit reporting

XXXX NAVY FCU Account Number XXXX XXXX Account Status PAYS_AS_AGREED Available Credit Reported Balance {$39000.00} Debt-to-Credit Ratio 100 % Age of Account 0 Month ( XXXX ) * THIS ACCOUNT IS CLOSED AND PAID OFF THE LOAN CHECK WAS RETURNED. 
ATTACHED IS THE LETTER FROM NAVY FEDERAL STATING THAT THIS ACCOUNT IS CLOSED. REPORT TO ALL ( XXXX ) CREDIT REPORT AGENCIES
Product: Money transfer, virtual currency, or money service

On the morning of XXXX/XXXX/XXXX I received an email about a WU money transfer involving {$1100.00}, with a service charge of {$120.00}. WU XXXX XXXX XXXX. XXXX. Since I did n't make this transfer, I immediately called WU XXXX number to report the fraud. I asked WU to cancel this transaction and my WU account, which I rarely used. WU provided fraud file XXXX. XXXX to use as reference. They suggested that I change my email address/password. I chose to change my password. They suggested that I go to the local police department and make a fraud report, and for the PD to reference the WU fraud file number when they call them. I went a couple of hours later and made the PD report. I will go back in a few weeks to request a report copy for my records. I contacted the three credit reporting companies to put an alert on my accounts, and obtained credit reports. The credit card XXXX cc ) used to make this WU transaction is not recognized by me : XXXX, last four - XXXX, expiration XXXX/XXXX/XXXX. On XXXX - I received an email from WU stating that : '' Cancelled Money Transfer. We have cancelled your money transfer with tracking number ( MTCN ) XXXX. If you were already charged, we are also processing your refund. Please note that it may take 7 business days for your bank to credit your account. '' On XXXX I received an email from WU : " Either by your request or for your protection, we 've deactived your account. If you did n't make this request, please email customercare@westernunion.com or call XXXX immediately. '' My complaint is that WU is not providing me with enough information/feedback to know what is going on with this fraud complaint and take appropriate countermeasures. I am very upset over the fraud because it remains unresolved. Either the fraudster made a new cc under my name, used a cc that I may have lost track of ( very unlikely ), or according to XXXX may have used a cc with someone else 's name ( very strange idea? XXXX. I ca n't be comfortable without having complete resolution with all necessary, needed facts. I had called XXXX, and they said they could n't help me clarify the CC situation because they just supply credit cards to banks, and do n't have the details. They would need the cc number and bank that issued their card to be able to do anything. 

What I want or want answered is : 1. I would like clear status reports regarding WU 's investigation.
2. I would like to know if my local PD contacted them regarding this fraud event.
3. I would like to know the details as explained regarding the credit card used to purchase this money transfer. Then I can have closure in being able to ask for cancellation of the cc if it was fraudulently issued in my name, or be able to cancel the credit card if it is a misplaced credit card I actually had, or was issued and not received.
4. I would also like to know how this person supplied my WU account number, or was an account number made up for this transaction.
I need this information to obtain closure and finally feel comfortable that everything is back in order.
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 ) Section 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 convictions of crimes which antedates the report by more than seven vears. 
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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week. 

I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection. 

I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have become negligent of their federal duties and ignored my requests for the removal of the disputed fraudulent accounts and information. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not only ignored my requests and continued the erroneous reporting, they have claimed that the disputed items are verified and are reporting accurate information. Once again, I am submitting this XXXX complaint requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021. If the Credit bureaus insist that the disputed accounts and information belong under my name, I am requesting that the Credit Bureaus provide me copies of proof of verification or any documents bearing my signature. If the Credit Bureaus can not prove the documents I seek, deleting the disputed items is greatly appreciated.
Product: Credit reporting or other personal consumer reports

In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 ). 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the pIdentity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$290.00}
Product: Checking or savings account

XXXX   XXXX   duplicate charge on account. called to dispute told it would be credited back to account. Monday   XXXX   XXXX   no credit in account. Called again and given a credit of  XX/XX/XXXX  Woke up Wed   XXXX   XXXX   the credit for   XXXX    vanished without a trace, there was no record it ever went in or came out at all, and I received a letter dated    XXXX   XXXX     stating that the credit had been given and " If we decide the charges were correct, we 'll let you know before we reverse the credit. '' Chase bank did not let me know before they reversed the credit and bounced  XX/XX/XXXX  checks I wrote to the state   XX/XX/XXXX   which could have caused me criminal charges for passing bad c hecks.