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

On XX/XX/2022, Truist closed my accounts due to a " review of fraud '' and said that the accounts were closed and no further action would be needed and that a cashier 's check would be sent. That was in a formal notice dated XX/XX/2022. Fast forward XXXX  months, I am still getting statements in the mail with my account balance dwindling from account fees. I've tried calling customer support to no service. Customer service transfers me to a non-existent number, and when I ask for a manager or supervisor, I get " oh they are not available right now. '' Truist has not made the effort that they said they would in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBD staff, After hearing about the recent Equifax breach, I decided to take advantage of the Equifax offer to provide free credit monitoring and a free credit report for one year under the Equifax Trusted ID program ( equifaxsecurity2017.com ). After enrolling for the program on XXXX-17, I received a message from Equifax that my personal information was affected by the breach. When I examined my credit report I noticed several hard inquiries that I did not authorize. I then contacted the companies listed under the fraudulent hard inquiries and was not able to resolve the issue. I then called equifax and spoke to a supervisor in the disputes department ( XXXX employee # XXXX ). XXXX informed me that there was absolutely nothing Equifax could do to resolve the issue. She informed me that Equifax has no power at all to remove inaccurate information in the inquiries section of my credit report, even if it is completely inaccurate or was initiated without my permission and even if I could not get relief from the company involved. This seems incredibly irresponsible and tone deaf to me especially in light of the recent breach at Equifax and especially considering that they confirmed my information was affected by the breach. Inquiries do affect my credit score and credit worthiness to potential creditors. 

The Hard Inquiries in question are : XXXX XXXX XXXX XXXX XXXX/XXXX When I reached out to the above companies, they told me that these were valid inquiries and could not be removed. I did not authorize nor do I know anything about these companies and I want these inquiries expunged from my report. 

I hope that this matter can be resolved now that I have contacted the CFPB. 

Thank you! 

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

I did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXX  - Account # : ending in XXXX - {$340.00}
Product: Credit reporting or other personal consumer reports

I am writing to REFILE the complaint against XXXX XXXX XXXX/AIDVANTAGE for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to XXXX XXXX XXXX/AIDVANTAGE, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/year>, XXXX XXXX XXXX/AIDVANTAGE has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that XXXX XXXX XXXXAIDVANTAGE, as a credit reporting agency , would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge XXXX XXXX XXXX/AIDVANTAGE to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect XXXX XXXX ED/AIDVANTAGE to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Debt collection

This company, which i hold no contract with nor have i received services from, have reported a collection account against my SSN in the amount of   XXXX  with  XXXX  ,  XXXX , and  XXXX  credit reporting agencies.I requested verification of the debt and account.However, the business failed to provide adequate proof considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.
Product: Debt collection

XX/XX/2023 unifund llc garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX Kansas
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9700.00XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent accounts on it XXXX opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

In XXXX Paypal breached there own contract and never helped me with 23 out of 95 orders that was ordered thru XXXX and paid with paypal. Paypal chose to not help me and locked my account as a buyer and trying to get help with the orders that were never shipped. Paypal has kept me locked out of my account and I was told buy the XXXX XXXX the buyer of paypal credit the last payment was XX/XX/XXXX in the amount of XXXX. I need the payment history from XXXXXXXX XXXX. The dates and amounts. This should not be that hard to obtain and I have asked paypal and the Bank for the information they have not provided. If in fact they dont provide this info they need to remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a XXXX XXXX XXXX XXXX balance of {$1000.00} on an account that doesn't have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c. The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have submitted all supporting doc and disputes, and its clearly over 10 years old, it still hasn't been removed
Product: Checking or savings account

I am a victim of identity theft and an bank account was opened in my name fraudulently at bank of west which is now bmo
Product: Money transfers

This is now the 2nd complaint on the issue as the first time PayPal said there was no problem, I should be able to log in and that was quite some time ago but I tried again to reset the password and jumped through their hoops, wasted more time but still ca n't. The primary complaint is I feel this is retribution from a previous issue had with them and tremendous failures handling a return. Perhaps they were even offended I did a credit card dispute as well. One issue the CFPB should note is that extra attention should be paid when a company positions itself where consumers have a difficult time finding a comparable service. I think companies like PayPal see this as an opportunity to not care and do things like such retribution ... Basically PayPal should be regulated like a utility until or unless they end up with more competition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that the following account should not be on credit file :! - XXXX  XXXX XXXX account # XXXX Authorize user, terrminated relation XXXX XXXX  XXXX  XXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. 
delete account s from my credit file. 
XXXX XXXX XXXX XXXX  XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for Experian, XXXX and XXXX. 

Also, respested companies. 


Thanks, XXXX XXXX
Product: Checking or savings account

I had a checking account with Suntrust used for automatic mortgage payments. I kept a fairly low account balance in the account ( less than {$10000.00} ), and never had a maintenance fee for the checking account. After my Suntrust account was taken over by Truist, my account was converted to a dimension checking account product. A monthly maintenance fee of {$20.00} was charged from XX/XX/XXXX until ( and including ) XX/XX/XXXX. The local branch manager in XXXX XXXX SC was able to provide a {$40.00} service charge refund in XXXX of XXXX. 

I am requesting a refund of the remaining {$160.00}. It is unacceptable to take a Suntrust account that had less than {$10000.00} balance with a history of less than {$3000.00} in monthly qualifying deposits and convert it to a Truist XXXX checking account. 

I am in the process of closing my Truist account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Transunion and XXXX added 2 hard inquiries that are not mine. 

1. XXXX corrected it but THEY are still reporting the 4 point drop these caused in my credit score! 

2. XXXX is still showing them but thier is no contact info. 

3. I can't reach XXXX 4. XXXX XXXX NA says they don't have any record of this so they can't do anything. 

I have not applied for ANY kind of loan or insurance. 

I beleive this fraud might be from someone that I had incarcerated for stealing my car in XXXX. He was released XX/XX/XXXX, the night before these inquiries showed up. He has a background of fraud. Also, on XX/XX/XXXX he called my daughter and asked for my birthdate, claiming he wanted to send me a bd card. Unfortunately he caught her off guard and she ignorantly gave it to him. It was shortly after she gave it to him that these 2 inquiries showed up. 

I have since frozen all my credit accounts and added fraud alerts to them all. 

Regardless, I haven't been able to get anywhere with XXXX at all. XXXX removed them but did not restore my credit points. Trying to contact these other 2 companies that caused all of this has been futile. 

XXXX ( Finance ) XXXX XXXXXXXX Na ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Although having these inquiries on the TRANSUNION ( XXXX ) report are not currently affecting my score, they said they will if they are there more than 30 days.
Product: Credit card or prepaid card

I have three credit cards that are open with my name attached to them that do not belong to me.They show up on my XXXX XXXX report and I believe its not allowing me to open my own credit card. Accounts below with balances that are due. 

XXXX XXXX {$1600.00} Balance XX/XX/2021 ( AUTHORIZED USER ) *CITICARDS CBNA {$17000.00} XX/XX/2021 ( AUTHORIZED USER ) *XXXX XXXX {$150.00} XX/XX/2021 ( INDIVIDUAL USER )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my personal information to remove the accounts and information reporting on my Credit File that are completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included these items in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed everything online and gave the company a call and they couldn't help me just gave me a run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

ACS ( XXXX XXXX ) is intentionally and fraudulently misreporting information on my credit reports. In XX/XX/XXXX, I noticed that late payments were reporting on a CLOSED account that had an account status of PAID AS AGREED. Those late payments were negatively impacting my credit score so I wanted them investigated. 
It should also be noted, this account has been reporting as PAID and CLOSED since XX/XX/XXXX. 
In XX/XX/XXXX, the result of the dispute was verified AND the ACCOUNT STATUS was fraudulently changed from PAID AS AGREED to PAYS 60-90 days late? How can a PAID AND CLOSED account status be changed to PAYS 60-90 days late, 5 years after the account was closed? 
I initially filed a complaint against XXXX XXXX because I had no idea who ACS was? XXXX XXXX, in fact, confirmed that they never reported ANY account delinquencies to the credit bureaus regarding ANY of MY ACCOUNTS ; supporting documentation attached. However, the account continued to report PAYS 60-90 DAYS LATE so I decided to do additional research on ACS. 
According to XXXX, ACS took over accounts from XXXX XXXX in XX/XX/XXXX which was 3 years AFTER my account was PAID and CLOSED so how could they " verify '' or CHANGE my ACCOUNT STATUS from PAID AS AGREED to PAYS 60-90 DAYS Late? 
This does not make sense therefore I am filing a CFPB complaint against ACS for fraudulent misreporting to the credit bureaus that is NOT in compliance with the METRO 2 Reporting Guidelines and a direct violation of the Federal Credit Reporting Act.
Product: Mortgage

I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXX.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Mortgage

I need from Wells Fargo to give me a Customer account Activity statement.
Product: Checking or savings account

XX/XX/XXXX @ XXXX I received several emails from Bank of America noting a new application for a checking account, verify email address, online and mobile banking, email address updated for which I did not do. I called Bank of America immediately and they verified my identity and closed and reported the account ands recommended that I file appropriate claims with FTC, XXXX, and credit bureaus to prevent future issues.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, check was deposited into Account. We were told it would be available on XXXX XXXX XXXX  Went to branch they said it is with Federal Reserve and is being held for 120 days. No valid reason and no option to return check or funds to originator! {$5000.00} was expected in a few days but was held without option to stop payment. No way was cash and I have no money and am unable to stop payment.
Product: Debt collection

This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX  ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.
Product: Vehicle loan or lease

The issue here is with Chase financial. The loan was originally placed in bankruptcy chapter XXXX which was dismissed XX/XX/XXXX and then I was told that they remodified the account and to pay x amount. I paid the account for 11 months and called the company for a payoff amount. I was told by Chase that the payoff amount was {$2500.00} in XX/XX/XXXX and that the account was charged off and that they do not collect on the charge off amounts and that the vehicle wouldn't be repossessed. Now that i have moved on and want to get the title & lien released they are stating that it was never charged off and if it was then they re-instated it without my signature or acknowledgement and therefore they have that I am behind {$1100.00} behind and that it was a payoff amount of {$3800.00}. I spoke with a supervisor XXXX tonight who stated that they will repossess and etc if payments were not made. I have received the run around on this account since the dismissal of the chapter XXXX bankruptcy. One department doesn't know what another department is doing and that they will repossess the vehicle and/or i can make payments. Also they stated that although i had paid {$360.00} from XX/XX/XXXX to XX/XX/XXXX there were no payments accounted for and no record of them until suddenly on XX/XX/XXXX. Also they didn't report to the credit bureau to my benefit when I was making all these payments either in fact ; the credit bureau didn't show that the car even existed. I contacted them today XX/XX/XXXX to settle with them on the {$2500.00} for 40 % ( which i would have paid another {$1000.00} just to get my lien & title released ) and was told that I was never quoted this amount and etc. It is frustrating when the right hand doesn't know what the left hand is doing in a company and all this consumer wants is what is due her ( the lien release & title ). Thank you for your assistance in advance.