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

In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from Early Warning Services within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in early Warning Services. XXXX XXXX failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX XXXX XXXX XXXX XXXX  for a Checking and Savings account and both denied me due to the negative reporting on Early Warning Services due to the erroneous information furnished by XXXX XXXX. 


Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXXXXXX XXXX 


Due to being denied, I am missing out on the new account promotions for {$200.00} that Bank XXXX XXXX offers and the that XXXX offers. 


I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from Early Warning Services within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX XXXX XXXX  to open up an XXXX XXXX Banking Checking and Advantage Savings Account for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern, I am writing to formally request that you block the fraudulent information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and certain information on my credit report was not initiated by me. 
The fraudulent accounts or items that I request to be blocked include : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under FCRA Section 605B, I demand you block and stop this information from reporting within four business days after receiving this request and the necessary documentation. Please confirm in writing that the fraudulent information has been blocked and will no longer be reported. 
I appreciate your prompt attention to this matter. If you require any additional information, feel free to contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Tuesday XX/XX/XXXX- I applied for a short term installment loan, approved for {$1000.00} but received the terms under which they would loan and they stated an interest rate of over 400 %!! Obviously, I did not go for the loan and they have called me no less than 5 timed since then despite my repeatedly stating that I did not want the loan and replying stop to their texts. 

I am concerned that these people are taking advantage of people who may be less equipped to understand the terms at play. 

Thank you
Product: Mortgage

Truist mortgage company escrow problems. 

Truist sent the windstorm insurance check to the WRONG address and charged me for force placed insurance due to a lapse in coverage that was their own mistake. I have given them plenty of time to correct this and still have not had any resolution. My agent has reached out in late XX/XX/XXXX regarding this and it was noted that Truist mailed the check to the wrong address. 

Around early XXXX, called regarding corporate reimbursement for {$190.00}. They said they will investigate. Never hear back from them so I have to call back on XX/XX/XXXX. I actually received an agent who understood that it was not my mistake on this date. Never hear back. So I Call on XX/XX/XXXX to see response- on this day, I was told the review in progress since XXXX but not confirmed and need to allow XXXX business days. On XXXX I note that my account was charged the {$190.00}. I called on XX/XX/XXXX and after wasting a lot of time, I got an agent to listen to me and pointed directly to the evidence showing that Truist messed up badly and continues to double down. They acknowledge this. They claimed to reverse the charge that should be reflected in my count by end of XX/XX/XXXX business day. It is past that time. No money reversed back to my account. This is comically bad and has been a pain. Please avoid using Truist if you want to avoid getting charged for THEIR mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account with chime in XXXX. Decided recently to close account to use a local bank instead. Chime has since reported to the credit bureaus that I had a credit card account that was 90 days past due and the account was closed due to XXXX XXXX bankruptcy with a balence of XXXX All of this is completely false. I filed for bankruptcy in XXXX of XXXX and listed having a checking account with Chime. That is the only thing they were listed for on my bankruptcy.. Is it normal practice for a financial institution to report false info to Credit bureaus when customers decide to bank else where? Why would they just now report this if not?? I had a checking account that's it. No line of credit was ever issued to me. I had no credit cards, personal loans or anything else i owe them no money. I have never been 90 days past due on. I'm a single father with XXXX kids. I have worked extremely hard trying to improve my credit since bankruptcy. They have now maliciously destroyed my credit. On XX/XX/XXXX my score was XXXX It's now XXXX and that drop is solely due to them. Do they not have to prove anything before being able to destroy my credit? When did I apply for this credit card? What was its limit? What was interest rate? How about transactions? This is absolutely ridiculous and disgusting. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Loans, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case NumbeXXXX : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call XXXX XXXX XXXX at : XXXX. XXXX XXXX is investigating the fraudulent accounts and credit inquiries.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I initiated a Bitcoin transfer to my partner XXXX XXXX XXXX from an external Bitcoin wallet ( non cash app wallet ) for the amount of XXXX XXXX, at the time equaled {$910.00} USD. 

The transaction cleared to his cash app account according to XXXX records as shown in the picture I will upload. But cash app rejected the transfer. Normally when a transfer is rejected, the funds are returned to the sender 's wallet. No funds were sent back to me. Obviously the transaction was not lost because cash app sent XXXX a rejection notification. When I contacted cash app via email and phone calls a half a dozen times I was told that they will not speak to me because the receiving account did not belong to me. XXXX, the recipient has contacted them via phone and support chat multiple times. Two of those times I was on the line on conference. They told XXXX almost two months ago that a Bitcoin Specialist from cash app would reach out via email. He never received an email. They have given us the run around for two months and never once gave a solution to how we are to retrieve the funds that I sent to him. I will upload email threads and screen shots of chat as well as XXXX reports. How can cash app just keep our money. If cash app refused to give XXXX the funds that I sent they should send it back. But they just kept it. We committed no fraud, or broke any laws. Please help me retrieve my funds. This right and they have made no attempt to rectify the situation.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to formally report fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as mine. These accounts are the result of identity theft and fraud.

The fraudulent accounts include : 1.A personal credit card account opened with a major financial institution.

2.An auto loan account opened with a credit union .

3.A personal loan account opened with another financial entity.

These accounts have led to unauthorized charges, fraudulent hard inquiries, and erroneous collections being reported on my consumer credit report. These inaccuracies are causing harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card in my name under XXXX XXXX under account # XXXX. Upon reviewing my credit report last year I seen this account on my credit report and I contacted the company and they advised it was paid and charged off. I SPECIFALLY asked would this be deleted being it was paid off and I was advised that it would be a pay to delete however, I today was told today ( ( XX/XX/2022 ) that it was incorrect information.
Product: Debt collection

On or about XX/XX/2013, we contacted our then current cellular provider ( XXXX ) to advise them of our desire to change carriers and confirm that our account status was paid and up to date. We were advised that in order to change carriers, we had to have a {$0.00} balance with our old carrier prior to changing to a new one ( XXXX ). We spoke to a XXXX representative at the store literally 100 ' down the mall from the XXXX store who informed us that our account balance was {$0.00} and we were free to change carriers. We also confirmed this with XXXX, who had to do a check on our account in order to import our current cellular numbers over to XXXX. We were informed that this could be done and we could initiate a new account at XXXX and did so. We received several invoices from XXXX many months after terminating our account with them and disputed the amount over the phone with customer service reps. Years later, we received notice that the debt had been transferred to XXXX XXXX, who was listed as the new creditor. When we inquired with Convergent, we were never sent any supporting documentation of the actual amount or how that amount was reached, only that they said we had a balance of approximately {$1200.00} that was from our termination of our account. We have disputed the matter using XXXX XXXX and Convergent still lists the account as valid. We would like to have the matter removed from our credit report, as we do not believe the debt to be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately i was hit by XXXX, i wanted to ask for my only one late payment this hit my account. I was never late and there was XXXX unauthorized inquiry i did not do. please delete the late report on the account and the inquiry i did not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, Equifax, and XXXX continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of paid off certification that i had from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.
Product: Checking or savings account

On XX/XX/2022 I initiated an outgoing domestic wire for a flight to an American company called XXXX XXXX at XXXX XXXX  for {$43000.00}. The vendor did not receive the payment and Bank of America did not reach out to either the vendor or me to notify of an issue. After a few days, I asked BofA about the issue and they stated there was a compliance issue as a result of the wire memo and asked what XXXX in the memo line meant. I explained XXXX is an airport code in XXXX, Ohio. BofA XXXX department stated the information would be provided to the person who flagged the transaction and we would have a resolution within 5-7 business days at the latest. Since then I have received no update though I have inquired several times. After nearly a month, the funds have not been deposited with the vendor and have not been returned to my company with no timeline for when the process will be resolved.
Product: Mortgage

XXXX at XXXX XXXX XXXX and her team failed to review our appraisal and the fact that a repair was needed per the appraiser. Two weeks before closing, her team is telling us that the underwriters are requiring a repair with photos of an issue that was disclosed in the appraisal that was distmissed by XXXX XXXX XXXX. This result is costing us {$800.00} in financial burden and possibly a rent extension on our current apartment of up to {$2000.00} if these repairs delay closing. We are less than 2 weeks away form closing and XXXX And her team refuses to pay for the repair even though XXXXne of her Assistants, XXXX stated that this was their fault. XXXX is saying that it was a mistake but that mistake is costing us. I am looking for a lender credit of {$800.00} to cover the costs of fascia repair.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; 2. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 3. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$0.00} ; 4. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; XXXX. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 6. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$340.00} ;
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticea that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX # XXXX Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I made a deposit at Wells Fargo in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I then asked to close my account and issue the check. They told me that I am unable to access funds or close my account due to a lack of banking activity. 

My funds are frozen and I'm not able to access my account or close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX, Equifax, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution
Product: Credit card or prepaid card

Chase United Club and Sapphire Prefered has MISLEADING customer service practices. I experienced two instances of misleading advertising and customer service first I opened my United Milage card, online it promised both a free year on the card and XXXX extra mileage points if the customer spend {$3000.00} on their first three months. I received the former but not the latter. They said that they did not have that written on my account - this was absolutely not true and should have taken a screen shot of their offer. Second, as I was trying to close all my accounts, they offered my a {$60.00} statement credit to keep the account open. I tried to close it twice, and they gave me {$120.00} credit to keep it open.They did not mention that I had to keep my account open for the whole year. They said it was implied that I had to keep it open for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me. I have never done business with this company.
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. 
Acct # XXXXXXXX XXXX XXXX XXXX Acct # 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 States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Mortgage

Nationstar needs to correct my credit report from late payments to short sale that was completed on XXXX XXXX, 2015. This is for XXXX loans what had with them.
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquiries on my credit report. I have not applied for or authorized access to my credit report, and much of the inquiry info is wrong, unauthorized, and more. 

I'm also aware that my credit report and personal data have been detected on the dark web and in credit leaks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XXXX XXXX XXXX Confirmation Number XXXX, {$250.00} XXXX XXXX XXXX  Confirmation Number XXXX, {$250.00} XXXX XXXX XXXX, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. 
I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX