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

Someone opened an online account under my checking account added their name to mine on my account. XX/XX/2022 {$34000.00} The Bank called me and asked if I opened another bank account online, I said no. 
XX/XX/2022 Person transferred to another account transferring to their account {$34000.00} in their name only and took all my money. 
My account is showing - {$34000.00}. All done on XX/XX/2022 I went to Branch, and they put a credit only on account that it happened to and I had to open a new account I went to Police Dept and filled out a report I filled out the affadavit the Bank sent me with license, SS card and passport and was told I would have the money back in XXXX days. Every day I call I get a different response. 
The latest response was that there is a lot of claims and backlog. It will take longer. I am buying a house and this is ridiculous I need to verify funds for mortgage closing and this is holding me up.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Accounts Due to identity Theft Dear TRANSUNION Agency I am Writing to formally request the removal of certain accounts from my credit report that I did not open and are results of identity Theft. 
My Name is XXXX XXXX XXXX My Social Security is XXXX Back in XX/XX/XXXX upon reviewing my credit report, I noticed the fallowing accounts that I believe were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Accounts are not mine, and I have taken steps to report this identity Teft to the appropriate authorities. I have my purse stolen in XXXX and again in XXXX. At this moment I don't have handy that information from the police report as has been a while ago, since I notices all this accounts in my credit report, I been filing multiple Complaints through their preceptive agency and so far, none of them has giving me a validation of the debt. Under the Fair Credit Reporting Act. ( FCRA ) and the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request a validation of any reported debt I can dispute these accounts. Or request the IRS Form 1099-c ( cancelation of the debt ) None of this information has been provided to me by any of the collection agencies or your Company XXXX All my disputes are returned as verified and updated to stay on my credit with no Proof of method of verification by your company. Or any of the Collection agencies I already submitted this form and request. If none of this debt can not be validated or if there is evidence of errors, I can request that the account be removed from my credit report. 
If the creditor or debt collector continues to report unverifiable or inaccurate information, I will consider filing a complaint. For monetary relief for this pain and stress this situation is causing me. 

I kindly request that you investigate these accounts and remove them from my credit report as soon as possible. Under the Fair credit reporting act, I have the right to dispute any information that is inaccurate or incomplete. 
Please confirm receipt of this request and let me know the outcome of your investigation. I appreciate your assistance in resolving this matter promptly. 
Thank you for your attention to this urgent issue. 
Sincerely XXXX XXXX XXXX
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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Glasser and Glasser, LLC in Virginia placed a lien on my son 's house ( my name is on title due to him needing my income to obtain mortgage ) ( my sole income is XXXX ). The lien was from XXXX and after 10 years and the purchase of the house in XXXX they attached it to the title The county clerks office said the lien is not active which prevents me from flinging the proper paperwork re 42 USC section 407. My son is trying to refiance and remove myself and my other son from the title but can not until the debt ( {$16000.00} ) is cleared. According to the following below I shouldn't have this debt ; to which I was never notified about and never showed up on my credit report.

MAJOR EXEMPTIONS UNDER FEDERAL AND STATE LAW [ There is no exemption solely because you are having difficulty paying your bills. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX. XXXX ). 

Please assist me as soon as possible as this is putting strain on my and my son 's relationship let alone my ability to house myself. Thank you XXXX XXXX XXXX
Product: Mortgage

Midland Mortgage is violating the laws under 12 CFR 1024.39 and FDCPA Section 805 ( c ) 15 USC 1692e as well as provisions of the CARES ACT. I applied for a Covid -19 loan re-modification and was wrongly denied for not providing income verification. That is a direct violation of the CARES ACT and 12 CFR 1024.39. I have sent them a notice of error as my last good faith effort to Midland Mortgage before filing a lawsuit for damages. Enclosed please find their denial letter, my error letter and also the letter stating after the denial they received my information and waiting for title. This company is shady and full of lies and deceit. They are also retaliating against me by purposefully reporting wrong and derogatory information about my account to creditors.
Product: Credit reporting or other personal consumer reports

Equifax Stated in their response ( attached Below ) that they Verified a Bankruptcy and I quote '' this information is often obtained from a medium ( ie.Paper records or a computer data base prescribed by the source of the information ( IE. courthouse or other government Entity. ) I have provided proof that the information was never reported to any vendor, or credit reporting agency. If the information was never reported directly from the source then how can you verify information that was never given from the actual source? 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure accurate reporting and limit the purposes for which consumer reports are furnished. Equifax are not meeting these standards.

Finally, pursuant to 12 CFR 1016.7, I exercise my right to opt out of your reporting services effective immediately. 


I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019, I attempted to contact Transunion to let them know I was a victim of identity theft. They have ignore my letters and have failed to remove bogus information from my file. ( which I know because they updated accounts to consumer disputes ) In accordance accounts which were opened by fraud within 4 business days, per FCRA Section 605B, my rights have been violated and I am now ready to seek legal help. This situation has caused me a bad reputation and being embarrassed and turned down. 

I have also attached the documents sent to Transunion below, have faith that they will correct the problem and clear my name from this bad dream
Product: Checking or savings account

I have been a customer with XXXX XXXX for some time now. I have made substantial deposits in the past, one deposit equaling up to $ XXXX with no issues. I have had no problems or issues. On XX/XX/2022 my employer mailed a check to my office, for me with my name on it to deposit for a XXXX party. I used XXXX XXXX mobile deposit like I have done in the past. The deposit confirmed and the funds were not immediately put onto the account. No worries. Later that evening I received an email stating it would take until XX/XX/2022 until the {$1000.00} funds would be available because, they had to verify it. No problem. On XX/XX/2022 I went into target to do XXXX shopping when I got to check out I swiped my card and was unable to use. Their is no one to reach over the weekends so I was without funds the entire weekend. I was unable to get presents, gas, or food for my children. The bank never called nor notified me my entire account would be froze. I was unable to log into my mobile banking account. ALL of my funds were on hold without one reason as to why. On Monday XXXX, XXXX XXXX I had to call several banks due to majority of them not answering the phone. I finally get in touch with someone at the bank in XXXX XXXX on XXXX XXXX and explain what happened. It seemed no one knew what was going on or even why my account was froze. I left from work which is time away from working to handle this. When I arrived at the bank XXXX XXXX the branch manager told me he didnt know what was going on from what he say the check wasnt fraudulent he was unaware as to why they would freeze my funds. Then, he proceeded to say my account had been closed. I asked him why is that? He wasnt sure. I asked him well sir I have over $ XXXX in both the savings and checkings can I just get my funds out of my account until youll figure out whats going on with the check. He told me they could not release any of my funds to me as my balance was at a {$0.00} on both accounts. I told him that isnt right. I asked for my money he told me there was nothing he could do. Fast forward two hours of me sitting in the parking lot of the bank I called my company and notified them of what happened. My company informed me that the check had cleared from their XXXX account on XX/XX/2022. The same day I deposited it. So why would they close my account without having any access and not even being called about what was going on if they cared or was conernced it couldve been suspicious activity. This has cause me such grief, pain, emotional distress, loss wages from work and I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the weekend because of this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Prepaid card

I was provided an Amex gift card from my company. The gift card shows activation date and dollar amount for use {$50.00}. I was only able to use it once on a XXXX order and says I have {$30.00} left to use. I cant use the remaining balance anywhere! Ive tried online merchants and in store merchants. Ive called their customer service line 4 times, each time with someone incompetent and useless to speak to. They told me they dont know how to troubleshoot this problem, and everyone else that has called in is having the same issue. This is unethical for millions of people to have gift card balances that they cant use!
Product: Credit reporting or other personal consumer reports

I noticed XXXX hard inquiries for a vehicle loan or credit loan on my credit in XXXX of XXXX The issue is, I already own a vehicle that has been keeping my expenses much lower than getting a car payment. Its a bit unfortunate that information is easily accessible in the internet age. Hopefully, more secure measures will arise to avoid this kind of situation in the near future
Product: Student loan

I have been put on several forbearance programs since 2009, offered no legitimate pay based off income plans, & multiple payment due date/amount mixups.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( 2 ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The Collection agency did not comply to the laws of fair credit reporting and continue to proclaim that a paid off account is still in collections. I am prepared to escalate this matter into litigation that may not be financially amicable to the reporting agency. Be prepared to go to court, I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

its my credit report from Experian and my Fico score I have very good credit history since a Bankruptcy in 2016 I have 100 % on time payments there are 12 hard pulls on my credit report I changed my phone carrier to XXXX and they did 2 hard pulls ... then I was doing balance transfers to avoid high interest and there were some hard pulls when I only made CC application once, they rejected the first application because my driver 's license wasn't able to be viewed they said I could just apply again without it affecting my score... this is not true I make XXXX per year I have XXXX in available credit so every time I use any of that credit my credit score goes down? This doesn't seem fair to me because I pay my credit card bills off very fast .. Actually I paid XXXX in credit card debt in the month of XXXX... Im barely paying any interest on them because I pay more than what is required and pay it so fast it doesn't have a chance to accrue any interest... I am wanting to buy a house soon but my credit score is staying down as if I'm a person who doesn't pay their bills!! I just got a XXXX XXXX then my credit score went down as soon as i applied for a XXXX XXXX XXXX... I wanted to use a XXXXXXXX XXXX XXXX  to collect points towards purchases also the XXXX XXXX gives 5 % cash back... I used XXXX XXXX balance transfer to not pay any interest... This doesn't seem fair I have no late payments NONE thanks
Product: Credit reporting or other personal consumer reports

It has been over 30 days since I am writing to ensure Equifax that they have the most accurate information in my credit file at all times. I asked them to please delete the following inaccurate information from my credit file within the last 30 days. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX I stated that they had up to thirty days to meet my requirements. I also stated that If I do not receive any updates from them during this period, I know that these inaccuracies should be automatically removed.
Product: Credit reporting 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. 
Convergent Account : US Dept Ed XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions.

I don't know this company and I never sign any contract with this company. This account is a fraudulent account.
Product: Debt collection

The three major Creditors has not followed TX state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile. This account was initiated without my knowledge or consent due to identity theft. Credit history shows this auto was repossessed as collateral to satisfy the loan. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. With the help the DMV online auto history to demonstrate the sales reports ; Auto was reported at auction on XX/XX/2021 and XX/XX/2021 then registered with TX DMV on XX/XX/2021. Unreported surplus sales history not reported purposely to cover history of transaction to be applied to the outstanding balance reported. I disputed with all three major Credit Bureaus who responded that the information reported meets FCRA Guidelines. All three major Credit Bureaus Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. A HUGE violation of my consumer rights is Chrysler Capital continuously aging of debt and unable to review account on their online portal. A message states a login has been created, nor been able to reset login with my information ; No emails are received to my emails to reset login.