23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A call came into my place of business earlier today threatening the power would be terminated imminently due to an outstanding balance. They gave me a case number to be reimbursed in case there was an error on their end. When I asked why they never notified me they said XXXX letters had been sent. To avoid immediately losing power at my store, I figured I could present the case number and reverse the charges if it was their mistake. I had customers and meetings, and ended up paying {$1000.00} via XXXX to avoid the shutoff. I contacted Chase and they said there is nothing they can do. These are the phone numbers tied to this : ( XXXX ) XXXX ( XXXX ) XXXX *this was the number used with XXXX And XXXX just called again about collecting the remaining balance. Unreal.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to rectify inaccuracies on my credit file. Someone has been using my social security number for their personal gain which is making my life stressful. I'm not allowed to extend or receive credit at this time which is my natural birthright. Can some take a serious look into this? I have reached out to all debt collectors and companies who are listing inquires on my credit file. I have sent back correspondences asked of me via USPS or fax.

My rights are being violated. Please see attached docs.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ; XXXX - XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, my check card with US Bank stopped working I then called the bank and USbank told me to visit a branch to get my money. I was then denied my money upon visiting a usbank branch with no explanation as to exactly what is going on. I have received nothing in the mail a week later. In the past I have disputed multiple transactions on my account for multiple reasons and have provided in depth explanation for every single dispute complying with and assisting usbank in its investigation and whether or not I keep provisional credit has been up to Usbank and it is my right to dispute any and all charges involving my account. Just because I dispute doesn't necessarily mean there's been fraud there are numerous reasons why a transaction should and can be disputed including fraud. So there you have it I have disputed multiple transactions well within my right and USbank in turn retaliates against me by locking my account and withholding my hard earned money with no correspondence received or any indication as to exactly what the bank is doing to resolve it's own concerns and return my money. I owe " USBANKCORP '' absolutely NOTHING. Every transaction and dispute with my student checking account with USbank has been resolved and my account is current. I have been providing no information as to exactly what to expect in terms of receiving my money and I am being denied access to my property. I need USBANKCORP TO CLOSE MY ACCOUNT AND GIVE ME MY MONEY ASAP my account ending in XXXX currently has $ XXXX this is the amount I am owed.
Product: Checking or savings account

My debit card was fraudulently used for a transaction of {$140.00} back in XX/XX/XXXX. I didnt discover the fraud until a recent transaction was declined and my records showed a higher balance. I presented the fraud claim to Chime, they cancelled my debit card, which was in my possession, and said they would investigate. I filed the claim XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  ( a national banking holiday ) was sent an email that concluded the investigation with no return of my funds. Chime did not investigate and refuses to return my money. I want a real investigation and my {$140.00} returned as I did not make that purchase. Apparently, based on an online search, this is Chimes modus operandi, in addition to closing accounts and not returning the funds to account owners. I want my money back and then I will be closing this scam account.
Product: Checking or savings account

I had a business account open with PNC bank. An insurance company that I had cancelled almost a month prior took out a large unauthorized payment. Other payments came out as well but there wasn ; : t enough money in the account to cover them. I went into the bank and explained what was going on. I also asked the banker why didn ; : t they pull from my other 2 accounts connected to the overdrawn account there was enough money in those accounts to cover the other payments. I was told the account wasn't setup like that so they couldn't do it. At that time I asked that a hold be placed on the account because I was getting additional bank fees daily it wasn't done. On XX/XX/2018 {$780.00} was removed from one of the other accounts to cover bank fees of the overdrafted account ( I was told they couldn't do that ). I called into customer service and was told i had to go to a branch. I went to a branch and there saying theres nothing they can do. PNC paid none of the merchants that attempted to debit my account but what they did do was run up an outrageous overdraft bill and then broke their own rules to pay them selves thats theft. I didn't give them permission to take that money.
Product: Credit reporting or other personal consumer reports

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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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 knows or has reasonable cause to believe that the information is inaccurate. 

Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agenciesproviding bankruptcy information. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information.If it is from the bankruptcy court, IT IS AGAINST THE LAW! 

Please remove the bankruptcy information immediately from your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Debt collection

10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with XXXX XXXX. I purchased a text book for about {$150.00}. XXXX XXXX ended up buying out XXXX XXXX and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through XXXX XXXX. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed four complaints with equifax, in the past 3 months, regarding the same set of issues. I am never able to access the results of my disputes online, despite getting emails telling me the results are ready and available. The error message is usually that they need to verify my identity ... .so I call in to verify and have to talk to someone overseas that I can not understand and that I am not comfortable giving my SSN or other information to. Today, I was finally able to verify my identity on their website only to get another error message after I clicked on the links to get the results. I called in to ask that they just mail me hard copies, since their website NEVER works, and had to speak to someone overseas ... .who would not listen to me and talked while I talked. The verification questions he asked were extremely vague ( " have you had a bank loan, student loan, or car loan and, if so, who was the lender and what was the monthly payment '' ... .i 've had all of those so i'm not sure if this was a trick question or what .... ). I asked to be transferred to someone in the US, which I was, but unclear as to why I have to go through rounds and rounds of questions ( after I provided the dispute confirmation numbers ... ) when all I need is this information mailed to me ( to the mailing address on file ). This company is beyond antiquated and it's HORRIFYING that they control my credit report. No wonder I've had to open so many disputes ( and no wonder the information never gets updated, despite my confirmation from the credit card companies that they've corrected their reporting .... )
Product: Checking or savings account

I have recently moved to a new location. I have attempted to make an address change with this firm but they refuse to allow me to update my address. They say I must contact my employer and make the change. I retired almost XXXX XXXX XXXX  and have no ongoing relationship with my previous XXXX. XXXX XXXX XXXX, when I retired, I moved to a new location and they accepted my address change without forcing me to contact my previous employer. It is unacceptable to force me to make contact with my old employer to make a simple address change. i am not attempting to withdraw funds just change my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these items directly with the agency and companies and they refuse to remove items below. I did a third dispute XX/XX/2022 and the amounts vary between XXXX different accounts : {$800.00}, {$6000.00} etc
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent address on credit report fraudulent accounts with address on credit report
Product: Credit reporting or other personal consumer reports

I noticed today that my credit report contains false accounts, and I have no explanation for it. During my usual credit check, I was surprised to find these errors. I even tried refreshing the page, assuming it might be a technical issue, but the incorrect accounts stayed. Therefore, Im requesting a careful examination of the documents Ive provided to resolve this matter permanently.
Product: Checking or savings account

I had an account with Credit Karma for several years. Credit Karma is backed by XXXX Bank. XXXX Bank immediately redirects you to Credit Karma, when attempting to discuss account information. 

On XXXX XXXX, I had a withdrawal in the amount of $ XXXX. Both approximate numbers, strangely that specific activity is not visible on my account, yet I am still dramatically overdrawn. This is withdrawal was initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was an error due to a delayed payment on my part. XXXX XXXX XXXX XXXX sent both myself and Credit Karma documentation from the XXXX XXXX XXXX XXXX to release the funds on XX/XX/XXXX. Essentially, Credit Karma has {$1400.00} of my funds on hold, because it appears I am still overdrawn. 

I have spoke to several representatives through Credit Karma XXXX XXXX ( because apparently they merged ). XXXX claims the other is the responsible party, so theres nothing they can do - and vice versa. I have been hung up on several times over the months- and been given very vague responses as to why they cant release my funds- despite the court order. Ive emailed said documents and forwarded them the same email multiple times. Ive supplied documentation of that. Still, nothing- and I have yet to receive my money I am owed. XXXX XXXX XXXX XXXX never received any money from Credit Karma- so whats the hold up? This seems to be a clerical error they are refusing to correct.
Product: Debt collection

According to XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY.This account violates these laws : 15 USC 16811, 15 USC 1681s2. 15 USC 168115, 15 USC 168leb. Delete ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

To start, I have had at least one mortgage with XXXX for over 20 years. In that time I have made timely and accurate payments every month and on the same day. About the time SunTrust merged with Truist ( XX/XX/2022 ), I started to receive unexplainable charges/balances on my online account. It showed an amount due of one amount and a negative balance of a larger amount. I had no idea what these charges and balances were but I tried to pay the larger negative balance and received a message that I could only pay the lower amount. I contacted Truist about this and they went into research it. They replied with a response I didn't understand but basically it was an issue on their side. I never learned what the issue was or what happened to the amount that I paid to try to bring the account into balance. 

Then, I discovered that they were filing negative reports to the credit bureaus. I immediately contacted them about this. Again they went into research mode and never contacted me back. It was only after I sent a letter to the CEO, did I get a response back. They said that they had not posted negative information to the credit bureaus. Yet, I made copies of the report and sent in to them. Again, they went into research mode and never contacted me back until I again sent a note to the CEO. Their customer support person claimed that the negative reports were accurate and that I had several late payments. However, I went to my statements over the last several months and not one showed an unpaid balance or late payment due. I am very confused and am getting no support from Truist. 

Per my research, it appears that Truist had changed the account number on the account when they merged. If they informed me of this, I was not aware despite having multiple ways to contact me. And still, the payments were made and accepted by Truist despite the account number that was being addressed. 

Again, I have been a mortgage and account holder with SunTrust for over 20 years. It appears they value one side of that relationship but did not hesitate to damage my credit rather than find a way to contact me and explain changes that might impact my accounts. Again, I still do not know when or if there is balance that needs to be addressed as Truist has given me no explanation as to what caused them to report me to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found INQIURY on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.