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

After a 3 & 1/2 year relationship, I'd had enough. On XX/XX/2020 I broke off the engagement with the father of my XXXX month old daughter. Taking my XXXX girls and a handful of clothes, I left him on the morning of XX/XX/2020. While en route from XXXX  to XXXX, I discovered my girls ' XXXX savings accounts had been drained. I had {$3000.00} in each of their minor accounts with me as the sole guardian/parent/owner. I specifically set them up this way with a personal banker who assured me he'd never have access to these accounts. I had opened these on XX/XX/2020 in person with an initial deposit of {$2500.00} into each account and added a second deposit of {$500.00} each on XX/XX/2020. Evidently on XX/XX/2020 he managed to do an online transfer of both their savings accounts into the mutual checking account we'd been sharing for a few years. It was around XXXX or XXXX on XX/XX/2020 when I saw my daughter 's monies were missing from their accounts and so I quickly went to a Wells Fargo branch in XXXX  where I was given a print out showing the funds were in a pending state. After hours of phone conversations with many Wells Fargo departments I was given case numbers and assurances that the transfers had been halted and my daughters ' monies were safe and to be returned. I was told it would take 10 days then I was told because of my need and urgency, it would be expedited. Extra safety measures were put into place to ensure he couldn't repeat the stealing of my girls'monies by setting their accounts up with my voice recognition and a verbal password. After a few days of waiting, and several phone calls more, I was instructed to go into a Wells Fargo branch in XXXX XXXX to close out the mutual checking account on Saturday XX/XX/2020. It was then I was told my girls monies should be returned to their accounts in two days. Two days later and still no funds. I did receive an email instead stating I'd receive a phone call in 3 days. It's 3 days later today on XX/XX/2020, and no phone call - no funds. The only piece of information they would tell me was that he withdrew the money on XX/XX/2020 at XXXX & XXXX XXXX. I am now unintentionally a financial burden on close family and friends. Please help!
Product: Payday loan, title loan, or personal loan

I opened a credit builder account with Self. I was making payments on an installment loan for 9 months and I decided to pay the loan off earlier than the payoff date. I was willing to pay the balance in order to receive the sum. I paid the final balance off and was waiting on the payoff to be processed when I received an email stating that they needed to verify some information before they could continue processing my payoff. They asked for a bank statement, my social security number, my drivers license, and a picture of my holding up my drivers license. I sent in the documents and they said that they couldn't take my documents because my license was expired. I called multiple times to speak to a supervisor to explain why my current situation didn't allow me to renew my license and all they could tell me was that until I sent in the " correct documents ', I wouldn't be able to get my money. I also have a secured credit card with them and I asked the supervisor if I wouldnt have to make a payment on my credit card either because they were waiting to verify my information and he told me that I would still be responsible for making the payments on the credit card account but I wouldnt be able to use the card or have access to my money from the installment loan until I turned in the documents. I didn't have to present any documentation when I opened the accounts and I was never asked for any other paperwork while I had the accounts.
Product: Credit reporting or other personal consumer reports

I am expressing my profound disappointment and frustration regarding the handling of my repeated attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate. This leaves me deeply concerned about the integrity of your processes and the impact on my financial well-being. Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress toward resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively. I am requesting a thorough and expedited review of my case, with a firm commitment to prioritizing its resolution. Specifically, I request the immediate removal of all fraudulent items from my credit file and confirmation of their deletion. I also ask for transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. The fraudulent items in my credit file that need to be removed are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00}. Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests.
Product: Checking or savings account

I received a text message to my phone saying that it was a fraudulent transaction for {$980.00} and I needed to call. I contacted the bank and explained that it wasnt me, I was told that my card would be closed and I needed to go and get a temporary card, I went into the bank and got a new card. Just to receive a email the next day stating that my account was negative {$1400.00} from the same merchant I had previously told them I didnt use! I called and was told it was a mistake on their end because the old card was never closed. I submitted a claim and was told that they denied the claim saying that the chip was used but I had already told them I didnt have the card. I have now no way to pay my bills, get my son to daycare, nor get to work all because of Truist Bank failing to do their job and protect my account and now I will be in debt and struggling financially because I cant get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX  and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being ; I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they've violated my rights numerous times. I demand the Accounts listed below be remove because According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX XXXX XXXX, Acct # XXXX. 

XXXX XXXX, Acct # XXXX.
Product: Credit reporting

I was in contact with Transunion today XXXX/XXXX/2015, in an attempt to dispute hard inquiries currently showing on my credit file. I spoke to Customer Service Representative by the name of XXXX. He stated that I could not dispute inquiries, because they were factual. I needed to contact the company directly in writing. I have written and spoke to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I then asked to speak to a supervisor. After being placed on hold several times, I was connected to XXXX who stated he was a supervisor. I explained to him what I was trying to do. He, in turn, stated the same thing as the customer service rep. I then informed him that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. I currently have the following inquiries to be disputed : XXXX XXXX XXXX XXXX XXXX/XXXX/2015 and XXXX/XXXX/2015 XXXX XXXX via XXXX 's XXXX XXXX XXXX XXXX/XXXX/2015 XXXX via XXXX XXXX XXXX/XXXX/2015 I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation.
Product: Credit reporting or other personal consumer reports

After carefully examining my latest credit report, I identified an inconsistency that differs from my personal records. This issue is concerning, as I strive to maintain an accurate financial profile. I would appreciate it if you could look into this matter in detail and make the necessary corrections. Thank you for your prompt attention to this situationit means a great deal to me.
Product: Student loan

I am in the public service loan forgiveness program and my loan was transferred to Mohela and they are taking over XXXX to process documents. I have contacted cutomer service repeatedly with no help. Something needs to be done. I am at XXXX payments with the forebarence months that they put me in due to covid as I was in repayment. I can not get to proccess the paperwork to send to the XXXX XXXX XXXX  department. Please help.
Product: Credit card or prepaid card

Bank of America is the worst institution I have ever had to use. I use them because Nevada Unemployment. 

Change atm amounts all the time and also locks people out of their cards. 

Worse company ever.
Product: Credit card

I received a letter from XXXX XXXX regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The company initially responded saying that the merchandise was repossessed, and my account was delinquent, then after a second complaint, the company said that after investigation, the merchandise was recovered from XXXX XXXX and my account does not reflect being repossessed. The company did not provide any solutions or escalations of action in regard to reporting this to the credit agencies nor did they provide proof of investigation or proof of current account standing.
Product: Bank account or service

I keep receiving letters from Capital One with my first name changed and told that I do not qualify for a credit card. I have returned many requests for them to stop doing this but, they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX Bankruptcy XXXX Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Discharged Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.
Product: Debt collection

I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card or prepaid card

The XXXX XXXX Synchrony Bank arbitrarily cut my credit limits on XXXX Cards # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX And the XXXX XXXX that ends in # XXXX. This has caused a collapse in my credit history, considerably damaging something that I have been building with punctual and On-Time payments. These cuts have led me to a Use of these Cards to almost 98 % dangerously stuck to the Limit of use of the line of credit. I have worked responsibly both with them and with other financial responsibilities such as My house My XXXX XXXX  My Cards and other financial activities which are paid for more than 60 months including these cards from this bank I know they are entities that can establish their limits but not to damage the reputation and well-being of the Clients in this case my person I have paid with the In recent months in crisis both in my home and in the entire country despite having been affected by Covid 19 the entire family group and I do not stop being responsible with my debts. In addition, companies can not punish a client just for the rumor that he is in conflict with another institution that is not complying with what the Client asks for and reports me with Late payments when that contract was not born legally due to missing requirements during the Verification of My identity and other requirements duly demonstrated with an email that the same financial institution will send me and they acknowledge that I request to cancel the request within the first few days. In addition, if they review my complete credit history, I repeat what I have would be an increase for my responsibility and not that Punishment of cutting my limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying ti contact Experian for a name update after having a court ordered legal name change. 

My credit is frozen and I can not talk to an actual person for the documents needed to submit it order to change the information on file.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A creditor may not treat a payment on a credit card and reopens the consumer credit plan as labor for any purpose
Product: Debt collection

On XX/XX/2020 I sent a certified letter to RS Clark and Associates for  debt validation. I did receive a response today which is XXXX XXXX. However, I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and to return with the proper documentation. The company responded within the time frame but they sent a copy of a collections write off report saying this is their validation and they are sure the information is accurate, therefore they deny any inaccuracy. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of a report which proved nothing to me so I dont see how this was verified the report had little detailed information. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If not their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately RS Clark and Associates didn't provide anything but a copy of a collection write off report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Transunion on XX/XX/XXXX, asking them to remove any old addresses, employers, and any old personal information from my credit file, and they did. I also asked them to verify the accuracy of a public record, and to delete it. They recently sent me a new credit report, but they did not remove the information that was asked of them.
Product: Credit reporting or other personal consumer reports

This is a notice to inform you that you I have not given Transunion permission to access my credit profile and have no purpose by law to contact third parties with my private or personal information. 
Without permissible per violation of the fair credit reporting act USC 1681 ba3 F1 I have not initiated any transactions with : 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 TransUnion is reportininaccurate and incomplete credit information 15 USC 1681 EB compliance and procedures accuracy of report whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates otherwise anyone paying for your reporting services could fax mail or email in a fraudulent account I demand to see of original consumer contract with my signature on it that you have on your file for the account listed below or certification from the creditor that certified the accuracy and completeness of the information. 
Your failure to positively verify these accounts has hurt my ability to obtain credit under the Fair credit reporting act and unverified accounts must be deleted and if you are unable to provide proof of the original copy of the consumer contract you must delete the accounts.
Product: Checking or savings account

Capital One bank is not allowing me access to my paycheck direct deposit. Which was deposited on XX/XX/year> it is now XX/XX/year> and they have yet to credit my account with my paycheck. My employer has provided a paystub, the error belongs to Capital One.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I discovered multiple billing errors. The late payments recorded do not correspond with my usual payment history.