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

This is part of complaint XXXX - Truist Bank took {$400.00} out of my mother 's savings account on XX/XX/year> and the only explanation is Adjustment case # XXXX. When went to the bank on XX/XX/year> and asked what the adjustment was. No one knew what that meant and said a bank error, but needed to research. Called several times, went to bank several times and kept being told researching it. Filed a complaint with you all on XX/XX/year>. The bank said they were investigating it. Today, XX/XX/year>, I receive a letter in the mail saying Account Closed and balance due is {$360.00} ( includes {$30.00} Charge off Account Fee ) no explanation of what it is and saying they are going to the credit bureau and reporting it to them. I do not appreciate being threatened to affect my flawless credit and they never explained what it is or prove it. It appears to me as something very fishy with this bank. They can not prove why they are taking funds out of an elderly persons ' savings account and can not prove or explain why. I don't feel I should be held hostage on paying money they took out of a savings account without them showing why or they will report me to the credit bureau. That seems illegal to me. When I call the bank, I get the run around and kept on hold for hours. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XXXX and TransUnion knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Product: Credit card or prepaid card

On XX/XX/2020, I called Capital One to request a credit limit increase. I have paid in full approximately {$100000.00} on a card with a {$10000.00} credit limit, in less than six ( 6 ) months. I was discouraged by the agent to request the increase. I explained that  before, when I applied in XXXX, I was told the account was too new. I requested the policy information on what is considered too new. I was told there is no written policy. I told them that if I was given that reason again, I would file a complaint. Using a reason with no policy means they can apply it discriminatorily. Their website says you can request at any time, without mention of what is too new. 

On XX/XX/2020, I received an electronic letter that said I was denied because I have debt that is too high. On XX/XX/2020, I called and reached XXXX who Transferred me to supervisor XXXX with id number XXXX. My personal credit is used to determine this small business card. I relayed the exact reason in the letter, which is " your financial obligations reported to us are too high. '' I asked for clarification on what was too high and what the exact percentage is or the percentage that I am too low. I was told that information is proprietary. I told him that they have to give specific reasons and the reason given is nebulous like the too new reason. 

Capital One states they are recording the call. I was told that the recording could not be turned off. When I informed that I was recording the call, the person refused to communicate further saying it was against their policy to allow phone calls to be recorded. Under Federal, Georgia, and Florida law, I can record calls. I refused to stop recording unless they did. 

I even explained that I have no mortgage, I have credit balances on all but two ( 2 ) cards and that is because I have had to use them to bolster the low credit limit they provided. My car note is paid 2 months in advance and so the balance is lower than would otherwise be. I explained that I 10 times more per month on the cards than the minimum due, for the cards which have a balance. 

Their explanation does not make sense. They are refusing to provide exact reasons for the denial in violation of federal law. 

Lastly, I have filed other complaints against this company about their practices and I think this is also retaliatory for that. I have the right to file a grievance and it is illegal for them to retaliate.
Product: Credit card

Someone have open a credit card in my name without my permission and now its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX Transunon ), XXXX Acct XXXX ( XXXX, XXXX Transunion ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX  transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX  XXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX  XXXX Balance {$1000.00} ; XXXX  XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

XX/XX/XXXX - Sent cease and desist, FTC report stating they violated me under 15 USC chapter 41, Validation of alleged debt pursuant to 15 USC 1692g to XXXX XXXX. Account ending in XXXX changed without my consent to account XXXX XXXX Received response, debt was not validated on first contact. 

XXXX Received letter stating that they were unable to reach out via Phone. My instructions were clear regarding this matter to cease phone communication until debt was validated. 
XXXX Received another statement of alleged debt. 

XX/XX/XXXX Affidavit of truth with exhibits ( 30 Federally protected consumer rights violated ) was sent and no response back, only received another statement which will be attatched at the end as another exhibit. 
Affidavit was received in XX/XX/XXXX Their 15 day response period is over, XXXX XXXX has to cease collection efforts and comply with my demands as a Natural person and Federally protected consumer.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion ===================================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

The XXXX XXXX XXXX account was paid as agreed and has a zero balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a call from someone claiming to be from Wells Fargo fraud department. They said there was suspicious activity of {$3500.00} dollars on my XXXX account. I was told the only way to reverse the charges was to go to my XXXX account and send {$3500.00} to an account they provided. Since I was convinced it was a valid call, I unknowingly sent the money straight to the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, 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
Product: Credit reporting or other personal consumer reports

This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Checking or savings account

This particular offense started on XX/XX/XXXX and now on XX/XX/XXXX. My acoount has always been on ALL alerts, somehow these alerts kept/keep getting 'reset ' by chase. In XX/XX/XXXX a telephone banker reset my alerts to have a blackout period which does not work for me. I was charged another, of many, late/overdraft/insufficient funds fee because of their system problems or situations. I have had my bank account with chase since XX/XX/XXXX/XX/XX/XXXX and have never had so many problems as of late. I am on social security and XXXX so I have to run my checking account the way I see fit and for years it has worked, until recently. Chase has a computer system that keeps changing peoples alerts and they start charging all the high late fees. I would like my fee refunded. Chase is not a good bank for people that are not wealthy, I am in the process of looking for a new financial institution. My settings were set to let me know if I was going into overdraft and allowed me to cover that overdraft with a quick deposit before XXXX eastern time. With their computer resets it is not sending me the alerts I have had set up or requested. That is a false and seems to be an illegal business practice to me.
Product: Money transfer, virtual currency, or money service

Gemini is closing all XXXX account by the end of the calendar year. I am a XXXX and have been using Gemini to buy and sell XXXX since XXXX. I tried to transfer my XXXX  out of Gemini on XXXX  XX/XX/XXXX and was told that there was a security hold on my account. I reached out to customer service and was asked to submit a picture containing an ID, date, and generated confirmation number. I did this all on XX/XX/XXXX. I received confirmation from Gemini that the message had been received and that " Once we have an update, we'll be sure to get back to you promptly. '' It has been a week now with no further contact from Gemini. I have emailed them repeatedly with no response. 

There is significant amount of XXXX in this account and after reading feedback from others in similar situations I am now very concerned that the issue may not be resolved before the end of the calendar year and the account is closed. Many are reporting that it took months before the issue was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX  collection account on my report which is inaccurate. XXXX is reporting a medical bill unpaid and in collections when in fact all my bills with the medical provider are paid in full and were done so via my insurance provider according to contract. Not sure who they bought the debt from but obviously they did not verify it and have made no attempt to do so and are choosing to place this negative lie on my report. I have proof directly from my medical provider to show I have no outstanding balances.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the

efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

The Fair Debt Collection Practices Act states that debt collectors can not use any false, deceptive or misleading representation to collect the debt. Along with other restrictions, debt collectors can not misrepresent the amount of the debt whether its past the statue of limitations. 15 USC 1692e ( 2 ) ( A ) States that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of the character, amount or legal status of any debt. 15 USC 1692c ( a ) ( 1 ) States without prior consent of consumer or permission of a court, a debt collector may not communicate in connection with any debt. 15 USC 1692g ( b ) Sates that debt collector is required to show lawful authority to collect on an alleged debt claim.
Product: Credit card or prepaid card

Called Discover and spoke to a business credit specialist that informed me that when my applying for a business credit card account that my personal credit report would not be pulled. After applying and being declined, my personal credit report has an inquiry that otherwise, I would not have applied for. Was told that I was declined due to, 'too many revolving accounts with high balances ''. I was just approved for a Discover IT personal credit card account less than three weeks ago. Why wasn't this an issue at that time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on X/X/2017 that my equifax SSN, DOB, address, and more have been included in the recent hack into their system. I registered for credit reporting through equifax that states it will begin monitoring for 12 months starting X/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto insurance paid off the vehicle. And Equifax does not remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion, XXXX and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : 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

I sent Republic Finance a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. 

I sent a letter to XXXX on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I started looking to purchase a vehicle back in XXXX XXXX  while I was browsing the inventory, the dealership ( XXXX ) asked me to provide my information, such as social security and address, I intended to purchase a vehicle, and that's why I provided it. They assured me that my credit would not be pulled before we found a suitable vehicle. 
We found a vehicle on XX/XX/2024 and I wanted to go with XXXX XXXX that's why I asked to go only with the XXXX XXXX inquiry, that's the only inquiry that is valid on my report. The vehicle was defective and we ended up returning it the next day. 
XXXX weeks later I saw XXXX hard inquiries on my account for an auto loan, which I did not allow them to do. 

Hard inquiries : TD AUTO FINANCE Inquiry : XX/XX/2024JXXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024JXXXX XXXX XXXX Inquiry :XX/XX/2024XXXX XXXX XXXX Inquiry : XX/XX/2024