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

XX/XX/2022, Unable to Access Truist website. System is apparently down and no way to get help. No phone help as the auto system will not direct me to a help page, XXXX page is only way to comment and it has no update posted on outage. Tried a messaging but no response after 1 hour. Chat doesn't respond.
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I signed up for a one day trial to a website called XXXX and never use it again. Imagine my surprise when I get a notification from my Capital One checking account stating that {$38.00} had been withdrawn. Turns out, I had been auto enrolled into a full subscription that I never needed nor wanted. In an attempt to resolve this, I used the site attached to the payment, XXXX. Just yesterday, I get another spontaneous withdrawal of {$37.00}. To my dismay, this is a trap and sketchy loophole to steathily withdraw money yet again. Now, a pending charge from a website called XXXX with the exact layout as XXXX is currently on my checking account. I have been trying to dispute this for days in hopes of a refund as I need this money for other essential means. The only thing XXXX did to resolve this was void the transaction and full membership to make it appear as if I never paid for their service, while STILL keeping the {$38.00}. This has left me restless and frustrated, because what was now meant to be just a one day trial run of a website has turned into a game of cat and mouse where I'm left no choice but to hound for my money. Also, mysteriously, the {$37.00} charge which was once for solely XXXX is now showing up as XXXX, which is practically the same site.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I sent by certified mail a letter to the company XXXX XXXX XXXX, asking them to validate the debt in question ( creditor XXXX XXXX XXXX XXXX ), by sending original documentation of contracts with the company that were signed by me for the debt of {$280.00}, as reported on my credit reports, I sent the letter off by certified mail on XX/XX/2018 and they received it on XX/XX/2018, I received a response letter back that was dated XX/XX/2018 without the requested documentation of original contracts or agreements, by me, but instead they sent a copy of a final billing statement, which is not a validation.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowingly reporting a fraudulent items masquerading as accounts on my credit file. I have provided police reports identity theft affidavits. No real investigation was done. Cushman vs transunion. The credit reporting agencies can not merely parrot information they have to conduct a reasonable investigation to insure the honesty and integrity of that investigation. They would have found out this item was fraudulent and there are no contracts
Product: Mortgage

I 've called Flagstar Banks home office several times & they will not change the report. They forclosed on my home in Michigan, since that time I 've been working on my credit. I have a good score to get another home. PROBLEM is now they are still say'ing I owe them for the home, even though your office is sending money from them. My closing date is in 20 days. What can I do?? 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account alleged by XXXX XXXX XXXXXXXX XXXX for {$690.00}. Experian says the account meets the FCRA, however that is impossible. I have disputed the alleged account since I discovered it last fall.. Approximately XX/XX/2020. I have made several phone calls and sent letters via USPS to XXXX XXXX XXXX XXXX All of which have been ignored, and XXXX has failed to send any proof or verification of the account knowing my current address. Thus XXXX has failed to meet the requirements of the FCRA thus Experian is publishing FALSE information knowingly as I informed Experian of this many times. For that Experian should be fined for violating the FCRA rules. Experian has illegally put too much weight in information from a data furnisher, which should be given less weight then the alleged account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

. In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 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 records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/year> the day I receive my paycheck to pay my bills and provide for family. My hard earned money was not deposited into my account. Not only my pay check but I am also a XXXX and receive my benefits on this account. I received a message from Wells Fargo telling me the accounts are closed and they will no longer do business with me from the fraud department. I have no fraud activity on my account being with the bank almost XXXX years. I am unable to pay my car note today causing potential harm with my finance company which I am in good standing. I am unable to by food for my grand children and household. Closing an account causes hardship for customers. Wells Fargo has wrongfully closed my accounts. I spoke with my family member who recently got their accounts closed my daughter with the same last name and address as I. Closing a bank account because you live with or are related to another customer has nothing to do with my accounts that seems as though they are targeting me targeting this home address. Whatever someone else is doin on their account is no reflection of my relationship with the bank. It seems very suspicious that they close mine after closing my daughters and we are not even on the same account. Banks need to be held responsible. It is not good business to shut down accounts where people put all of their money into to live, without proof or warning that any fraud has taken place. Just because they have the right to end a relationship it is not ethical if in doing so they accuse you of fraud. That is defamation on the customer. And certainly closing down because of relation is insane. Now I have to deal with the pain and suffering of not having access to my money to handle Important obligations because I put my trust in a company that will not feel my burden. The regulations need to be amended it causes harm to the individual. Just because customers have a right to end anytime, banks say they do as well, the only difference is when Banks do it they do not take a financial loss such as the one put on customers. Customers will usually have their affairs in order before making that decision. Banks do this so viciously and for wrongful reasons even if for no reason at all. I trust the institution enough with my finances, yet they dont trust customers enough to resolve issues together. I literally put every dime I earn into this account and for this to happen there is no justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies.

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX CREDIT REPORT XXXX XX/XX/2022 XXXXXXXX CREDIT REPORT XXXX, XXXX XX/XX/2022 EQUIFAX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 EQUIFAX CREDIT REPORT XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT
Product: Checking or savings account

Hello, this bank is always charging for overdrafts that never actually happen and I am tired of fighting them over it. On XX/XX/2022 my posted balance at the end of the day was {$340.00} yet I was charged 2 overdraft fees that day. I messaged online to request a refund of the fraudulent fees and was told they would open a ticket and someone would get back to me. I still have never heard back from the bank. My escalation number is XXXX. Please also note that I am opted out of overdraft coverage service and have been for the life of my account. This is not the first time this has happened to me and I have also read multiple complaints of this happening to other customers as well. I know that by bank regulation they can not charge me an overdraft fee for transactions that have not actually posted to my account.
Product: Debt collection

XXXX /2017 : filed a complaint with CFPB  XXXX /2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt  XXXX /2017 directly to ProCollect. ProCollect should  be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I had another fraudulent account report to my credit report. Names, addresses and accounts that do not belong to me still remain. XXXX acts as if they cant effectively investigate and properly remove items from my credit report. I sent them a demand letter which obviously wasnt taken seriously a few weeks ago. There acts including Navy Federal Credit Union have been intentional and with malice. I have filed a police report which will be handed over to federal authorities for investigation. I have now demanded payment from XXXX for the multiple violations of the FRCA. The last specialist I spoke with from XXXX on Friday XX/XX/2023 she implicated Navy Federal Credit Union in things that concerned me. So the social security administration has now launched an investigation as well as federal authorities in matters into my personal information being used in a way it should not. A police report was filed so a in depth look at how my personal information was used and the correspondence between Navy Federal Credit Union and XXXX can be subpoenaed.
Product: Credit reporting or other personal consumer reports

My right to privacy is being infringed upon by Bank of America. They are disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Product: Credit card or prepaid card

emails are sent saying payment is not current and more interest is added before next payment .most recent email past week or so. contacted fdic about company and was directed to this number as the company is not a member if XXXX  when i thought all credit companies were supposed to protect funds especially during pandemic times. i dont feel like naming this company online yet because i have also tried to contact other legal services in my state. i have still paid a payment every month even with the pandemic and dont see any balance change. i also received a letter in the regular postal mail that said they are not accepting written documents for communication purposes. this was received this week in XXXX XXXX something is very wrong with this i can send a copy of that letter if necessary. i cant resolve this issue by telephone only! please refer me as nessary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : # XXXX XXXX : XXXX Transunion TransUnion Legal Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute Request for XXXX Account # XXXX Dear TransunionTeam, I hope this letter finds you well. I am writing in response to a communication from your office suggesting that my dispute claims have been deemed frivolous concerning inaccuracies found on my credit report. I respectfully disagree and am providing detailed information below regarding the disputed item. I am requesting a thorough reinvestigation of the following matter, with a keen request for its removal in compliance with legal requirements. It's imperative for me to ensure that all information on my credit report is accurate, as I am currently in the process of securing a home loan. 

I kindly ask that you do not limit your inquiry to electronic communications with the furnisher of this information. Instead, please ensure this letter, along with any pertinent attachments, is forwarded to both the furnisher and me. This step is crucial for maintaining transparency and ensuring that all parties are adequately informed of the ongoing proceedings. 

Should the furnisher insist that the information has been accurately reported, I request comprehensive documentation to support their claim. This includes a detailed account of the verification process used to ascertain the accuracy of the reported information, along with the contact details of the furnisher involved. 

I trust that Transunion adheres to stringent procedures ensuring that any public record information, especially those with potential negative impacts, is reported with the utmost accuracy and completeness. As stipulated by law, I look forward to the conclusion of this investigation within the 30-day period. Should this matter remain unresolved, I am prepared to engage legal assistance to advocate for my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including exploring all potential remedies and damages available under the Act. 

It is pertinent to remember that as a Credit Reporting Agency, Transunion is bound by federal consumer financial laws, encompassing the FCRA and Title X of the XXXX Act, alongside regulations prohibiting " Abusive '' Acts or Practices ( Section 1031 of the XXXX ). 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy and fairness dictated by law. 

Warm regards, XXXX XXXX
Product: Credit reporting

I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.
Product: Checking or savings account

We deposited a check by mobile deposit. According to the written policy, we were allowed to deposit checks for up to {$7500.00} per day. The amount of the check was {$6900.00}. This was a payment from a commercial customer paying for electrical services. The bank put a hold on this check for 10 business days, which because of weekends and a holiday is almost 2 weeks. This has resulted in incredible hardship for our business as this is 2/3 of our monthly cash flow. According to our customer, the funds cleared their account within 24 hours. So the bank has been using our money for nearly 2 weeks. By phone, they said it was a computer generated hold and there is nothing they can do. The branch manager says they are powerless to change it. I do not believe that a hold on cleared funds can not be lifted.
Product: Bank account or service

The tax preparer that I went thru this year used my card with my refund and made several purchases in XXXX XXXX without my authorization. He then sent my card with all his personal information tied to it. I called net spend and was able to get my personal information in AFTER having my account frozen for a couple of days. I just ask that I 'm given what is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, Transunion and XXXX 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  are a 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 are a financial institutions and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and Transunion from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX, XXXX, and Transunion do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is XXXX, and XXXX, no ability to view Experian, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.