23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my Equifax credit report and noticed that my information was deleted and someone else 's information was put on my report, my credit card accounts were deleted, my mortgage on my house was deleted, my social security number was deleted. And there is another one on my credit report, also my addresses, everything was deleted from my credit report from Equifax. I don't know what happened to my information. It was mixed or deleted. And they added information about another person on my credit report that I am not My name is XXXX XXXX, and another name appears, my social security ends in XXXX and another social security appears there that ends in XXXX XXXX and addresses that are not mine my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO, my old address is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX all the accounts that appear on my equifax report now are not mine nor are they under my name where copies of my credit report were attached from XXXX and XXXX so that they can verify my correct and exact report, not what Equifax is reporting
Product: Credit card or prepaid card

Some one opened an account under my name -Best Buy credit card -Home Depot credit card
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Federal Trade Commission, I am writing to file a formal complaint regarding inaccurate information on my Equifax credit report. Specifically, Equifax has been violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by incorrectly reporting the payment date for my XXXX credit card account. 

According to my credit report, Equifax has been stating that my XXXX credit card is reported on the XXXX of every month. However, this is not accurate. I have included copies of my actual credit card statements, which clearly show the correct closing date for this account. 

Despite providing this supporting documentation to Equifax, they have continued to use the inaccurate information on my credit report. This has had a negative impact on my credit score, which I believe Equifax is using for their own financial gain in violation of the law. 

I have attempted to resolve this issue directly with Equifax, but they have failed to correct the inaccurate reporting. As a result, I am now turning to your agencies for assistance. 

I am requesting that the CFPB and FTC investigate this matter and ensure that my credit score is restored to its proper level, free of the incorrect information provided by Equifax. This unlawful conduct has caused me significant financial harm, and I expect a prompt resolution to this issue. 

Please let me know if you require any additional information from me to aid in your investigation. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted my disputes to be reviewed and receive notification that I did not submit. I provided my identification and billing proof. The accounts listed were need proof of validation File Number XXXX
Product: Checking or savings account

Truist Bank Corporation are currently engaged in business practices that are like that of XXXX XXXX in XXXX. The Truist Bank Corporation has failed in due diligence in " know your client, '' by failing to follow basic anti money laundering laws, FINRA Rule 2090 ( Know Your Customer ) and FINRA Rule 2111 ( Suitability ), Patriot Act ( anti-money laundering ), wire fraud, cross selling, fee accruing scams, and fake accounts to money mule funds from an individual. 

I put a Credit Freeze on XXXX, XXXX and XXXX on XX/XX/XXXX as a result of credit bureau data breach. I called XXXX XXXX ( XXXX ) XXXX at XXXX on XX/XX/XXXX and put my account on fraud alert. XXXX said they would notify XXXX and XXXX. I received confirmation letters from XXXX, XXXX and XXXX. were received which were dated XX/XX/XXXX, XXXX Credit report was received from XXXX XXXX dated XX/XX/XXXX, with no indication of wire fraud. 

I received a letter from Truist Bank Corporation regarding an online account application. The letter was received on XX/XX/XXXX. The letter from Truist Bank Corporation was dated on XX/XX/XXXX. The sender was Truist Client Center, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Phone number XXXX ( XXXX ) XXXX and website www.Truist.com. 

I have not applied for any online accounts. I tried to reach the Truist Fraud Department on XX/XX/XXXX at XXXX. The phone number is XXXX ( XXXX ) XXXX only offered automatic phone service only. I called the following business day, Wednesday, XX/XX/XXXX at XXXX. He called a branch office for help on phone number XXXX ( XXXX ) XXXX. The representative said I could call the Fraud Department on XXXX ( XXXX ) XXXX # XXXX alternatively visit a branch in North Caroline for help. The branch manager transferred Me to the Fraud Department. I was on hold until XXXX. The Fraud Department recorded My name, date of birth and home address plus the information available on the account statement. The Fraud Department stated they would mail a resolution in 6 to 8 weeks ( around XX/XX/XXXX and XX/XX/XXXX ). The phone call with the Trust Department was over at XXXX PM. 

Truist Bank Corporation has continued to open accounts and extend credit despite knowing it was fraudulently opened by its associates. 

I have already contacted the Securities and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX regarding your fraudulent business practices. Their letters are attached. I will contact the Federal Trade Commission, Consumer Financial Protection Bureau and Federal Bureau of Investigation and inform them regarding Truist Bank Corporation 's fraudulent business practices. 

I will continue to cooperate with law enforcement as the case is built against Truist Bank Corporation as it is continuing to violate state and federal laws.
Product: Vehicle loan or lease

On XX/XX/XXXX I reached out to Chrysler Capital, because I was behind on payment and was seeking assistance with becoming current on my loan and keeping my vehicle. I was granted an extension. Payments were to resume on XX/XX/XXXX. 
On my billing statement my account was listed current, with XXXX past due and On XX/XX/XXXX I made a XXXX payment. I also made a XXXX payment on XX/XX/XXXX. 
On XX/XX/XXXX I logged onto the app to make a payment and there was an error. I was not able to see my account. A few days later I made a 2nd attempt still nothing. On XX/XX/XXXX I attempted again and I called. I spoke with a representative, I was told my account had been charged off. I was confused and asked for clarification, because my account was in good standing less than a month before. The representative couldnt explain to me why my account was charged off. We went over my extension paperwork because, however Thats when I notice that the date on the extension was incorrect. I completed the extension XX/XX/XXXX, but the due date of next payment was XX/XX/XXXX. How is that possible? 
I asked to speak with a supervisor and was hung up on. 
On XX/XX/XXXX I reached back out to Chrysler Capital to discuss my loan and also my payments. I was told that the loan was charged off and there was nothing I could do. I asked about payments and was told I could still send payments, but the account would still remain in charged off status. I asked why I would still make payments if it wouldnt change anything on the account. It could not be explained. 
On XX/XX/XXXX my vehicle was repossessed. I reached out and was told I would need to pay the entire past due in full. I was not giving notice of this repo, I wasnt even given notice that my account was past due. I didnt received any notice from Chrysler Capital since the billing statement on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESS NAMES TO BE FURNISHED ON MY XXXX XXXX XXXX CONSUMER REPORTS. ACCORDANCE WITH 15 USC 680ta b 1 2 3 4 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENTI ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE Of personal information i never Signed any disclosures forms given written consent '
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open account on my record. Despite our multiple attempts, I regret to inform you that this issue still persists. 

As we enter the seventeenth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 Dear XXXX, I went to Best Buy on XX/XX/XXXX to pay the balance on my account. The clerk told me the balance was {$150.00} so I tell him that I want to pay {$100.00}. He typed something in the machine, I paid, and the next day I noticed in my bank account that they charged me {$600.00}. 
I went to the store again to ask what happened and the employee tells me that I had told him that I wanted to pay {$600.00}. I asked him why would I want to pay {$600.00} if I have a balance of {$150.00}, it has no logic. For this same reason I asked why he wouldnt have questioned me if he heard me say {$600.00} when the balance was much lower. I asked to speak to the manager and they told me to speak to XXXX Bank, which is the financial part of best buy and that they were going to return the difference. This overcharge caused me to have to borrow money from my son to pay rent and other bills. 
When I called XXXX they told me that even though they knew it was a mistake they would refund my money and it would take 5 to 8 days. I called after 5 days and they gave me another answer, that the matter would go to a dispute, and only after that the money would be returned to me. 
On two occasions when I called to ask for my money back, the customer service people hung up on me while I was talking to them. I began one of these calls by asking for the name of the employee in case I got cut off, and the representative said that he was going to make an electronic transfer and that he needed my account and routing numbers of my account. Unfortunately I did not have the routing with me and the transfer could not be made at this point ; by this point I had already spent 2 weeks waiting. 
I called the next day with all the information for the transfer. I gave this info to the person attending me and they told me that they were going to make the transfer. I waited a few days, nothing happened, I called again and they told me that they were going to send me a check that was going to take 5 to 8 days.

The check never arrived, I called again, they lied to me again saying that I never gave them my account number for the transfer and that they would send me a check by mail that would take 10 days. After 10 days I called again and they said I have to wait 10 more days. This happened two additional times. This started on XX/XX/XXXX, and still to this day I dont have my money back. 
They have disrespected me, they have humiliated me, they have abused me because as long as they have my money they have the power to do whatever they want with me and not solve anything. Until they feel like it, I am under their control. I only want what is fair, I just want my money back. This situation is very stressful. I have not been able to return the money my son loaned me, and he is demanding that money back from me. 
XXXX XXXX
Product: Mortgage

SunWest Loan # XXXX First off my husband is a veteran and we filed for a VA refinance loan. We were told by XXXX XXXX of SW that we would get a 3.75 % loan. All paperwork was going through and each time we saw 4 % on the docs we called XXXX. He said it was just during the process and it would change in the end, after all credit cards were paid. Well it never changed and when we were signing docs we saw that it was a 4 % loan! We were livid! But we had to go through with the loan because we had to pay a personal loan off within 2 weeks. After contacting SW about this issue, all we were told was SW never promised us a 3.75 %. We went back and forth with some robot who kept stating the same thing over and over. This was more upsetting because we informed them that we were trusting what XXXX was telling us and now find out we should not have!! The difference in the loan rates makes our monthly payment hard to handle, we are struggling to get by. 
Back in XX/XX/2018 we got a letter that our Escrow Account was short by {$290.00} and that we could pay it to get that fixed. So we paid it, wrote on the check that it was for the Escrow Account, but I just found out SW applied it to our mortgage therefore the following month they only billed us {$3300.00}. We paid this and now we just received a letter that we sent in a short payment! We paid the statement amount! Then they say this could adversely affect our credit! This is all their error but they are making it seem like it is our fault. We called today and spoke with a XXXX, an account specialist and we asked him for an apology letter stating they were wrong. But he did try to blame us telling us we should have written in the memo section of the check that it was for the Escrow account, and we told him, we did!! SW never wants to apologize for their errors. And the main error of promising us a 3.75 % rate and getting us a 4 % is unimagineable!! We clearly remember that XXXX said if we paid off some credit cards we would get this rate and we did, but we still did not get the rate!!! We feel SW should stand by their promise to get us this 3.75 %!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
+ I want the CFPB to
Product: Checking or savings account

XX/XX/year> Wells Fargo is not refunding my money from unauthorized transactions. I have called and have been told they can not reach the people who are in charge of the claim and would have to wait multiple times 24-48 hours. Nothing so I called again and was told they updated claim but don not have a way to reach the people who are in charge and investigating claim. The amount is {$6300.00}. My account is negative and I have bills on autopay and payments that I need to make. I need my money back. Please help.
Product: Credit reporting or other personal consumer reports

It has come to my attention that 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 has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. CODE 1681G - ; there was no disclosure to the consumer ( XXXX XXXX ) XXXX15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION. 15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO. ( B ) THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/2021 I went to dealership to purchase a car they pressure me to buy multiple cars even though i came in for one. They kept pulling my credit and got alot of approval for banks and insisted that i use up all the approval and pressured me into keep buying more cars. I told them they violated my rights by constantly pulling my credit without permissions and racking up all these approvals resulting with XXXX inquires on my credit report. I sent a letter through certified mail to get a debt validation and sent a notice of recession. The letters delivered and i never got a response or remedy
Product: Credit reporting, credit repair services, or other personal consumer reports

Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
Product: Mortgage

In XXXX my wife and I secured a mortgage with XXXX loans for XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX XXXX. The housing market crashed in XXXX XXXX loans sent us a modification package that inquired about the status of our XXXX loan leading me to believe that it would be included in the modification. from XXXX until XXXX I paid one mortgage payment to XXXX who sold oir loan to XXXX and then to XXXX Mortgage. in XXXX I filed for bankruptcy and XXXX XXXX XXXX showed up after 11 years wanting to be paid. The loan I assumed had been charged off. Now the loan has reached maturity and they are forclosing on my home on XX/XX/XXXX at the XXXX XXXX court house through sheriff 's sale. I assumed by state law of Tennessee that the statue of limitations was up on collecting this debt. And that this would be considered a time barred debt. Trying to be collected illegally. My account number with XXXX credit is XXXX.
Product: Checking or savings account

I have a Capital One account. My card was charged for {$360.00}. When I received the pending notice, the transaction was less than that. I told Capital One that the charge was not authorized. I had the card with me, they stated that it was a chip to chip transaction so they wouldn't refund. 
They treated me like an XXXX " did you forget about eating at a restaurant? '' and other such demeaning questions. 
I provided XXXX screenshots of my whereabouts. They refused to do anything else or entertain other information from me. 
I asked for the company that processed the charge. They provided an XXXX digit number and called it the phone number. They provided an address. The company at the address said they do not have a store front and have no clue of the charge in question. 
They will not put me in contact with the department that makes the decisions, stating they do not have access to phones in that department.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024, " XXXX XXXX services '' pulled my credit via Transunion and XX/XX/2024, XXXX XXXX XXXX XXXX pulled my credit as well via XXXX. These are both either fraudulent, but more-so unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening i have new exhibits to submit. i am requesting the description of reinvestigation of the procedure from Equifax who claim these accounts are verified im currently being violated by Equifax! they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!
Product: Credit reporting or other personal consumer reports

I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from 1 ) AR Resources Inc Shows in my credit Reports as Act Number XXXX 2 ) XXXX XXXX, XXXX XXXX XXXX Act Number XXXX 3 ) XXXX XXXX XXXX Act XXXX