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

On Saturday XX/XX/XXXX I noticed that {$2500.00} was missing from my account. There was a withdrawal on XX/XX/XXXX of {$2500.00} but there was no additional information. I called First Tennessee customer service but could not get a hold of anyone as they were closed. 

On Monday XX/XX/XXXX I called and spoke with XXXX. She informed me that someone had withdrew {$2500.00} from my account at the XXXX XXXX Branch. I told her that was unauthorized and that I have never even been to the XXXX XXXX location. She said they will begin an investigation and that I will have my money within 2 business days. 

On Tuesday XX/XX/XXXX I received a call from XXXX asking that I go to my local branch to fill out paperwork regarding the investigation. 

On Wednesday XX/XX/XXXX I went to my local branch to fill out the paperwork. I filled out an affidavit stating that I did not withdraw this money. The banker stated that the money was withdrawn from an unknown location, not the XXXX XXXX branch. She could not confirm which location the money was taken from, but confirmed it was NOT the XXXX XXXX branch. I asked for more information and she said it will take up to 30 days. 

I am now short on the money and I need the bank to refund it.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXXXXXX XXXX  - XXXX CAF - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to your company to bring to your attention a matter concerning my EQUIFAX consumer report from XX/XX/2023 and I believe that equitable remedies are necessary to rectify the situation. 

I have identified several instances where you are willfully, inaccurately, and unlawfully reporting that the following accounts are negative without furnishing any proof of verification of these alleged debts nor that you followed all laws and regulations under the FCRA to report them therefore you must REMOVE all negative accounts and adverse remarks as they are causing unjust harm. 

I am asserting my rights under exclusive equity and am seeking equitable remedies to address the harm caused by your company. Please be aware that all negative accounts and remarks found on my credit report are violations of the FCRA therefore in addition to having said accounts removed, I have also attached an invoice for statutory damages for each violation. 

Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

Nearly {$13000.00} of my hard earned money was taken from my account in unauthorized transactions. I reported this to Wells Fargo and they denied giving me my money back because apparently the system said it was authorized. They NEVER reached out to the merchant even though they lied to me and said they did and they were going off information that whoever had my card had more than enough information to complete the transaction. I told them my wallet was stolen and my information was compromised. One guy XXXX told me that they didnt know who completed the transaction so its deemed authorized What kind of sense does that make? Of course someone had my information my wallet was stolen. Please help me get this back this is destroying my credit, I can not pay bills because of this and its ridiculous I even have to come here to report it.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts reporting on my consumer report. I did not authorize these accounts. On XX/XX/2023, I have sent my FTC report, License to XXXX, Transunion, XXXX. I will take legal action by filing a civil suit for reporting fraudulent information on my consumer report if these accounts are not removed.
Product: Credit reporting or other personal consumer reports

I can not gain access to my Transunion Credit Report, I have contacted Transunion about this problem they told me there was an error code on their end and said someone will contact me within 7 days to fix the problem,, They never called me, i called back and they keep telling me the same thing 3 times even offered me a case # XXXX to no avail., they don't seem to value consumers time and needs..
Product: Mortgage

We Mailed via XXXX to XXXX XXXX and LoanCare LLC ( Mortgage servicers ) two checks we receive for XXXX XXXX XXXX for our roof repairs. We mailed check to XXXX Because their name was also on the checks. XXXX XXXX and LoanCare LLC sold the Mortgage service to XXXX XXXX  during the process and stated that the funds for the roof repairs was forwarded to XXXX XXXX  on the XXXX of XX/XX/XXXX. However XXXX XXXX and LoanCare LLC Customer service also stated the they released payment to on the the XXXX of XXXX, XXXX. We contacted XXXX XXXX  customer service customer service and we understand that they did not get any roof repairs funds from XXXX XXXX and LoanCare LLC The following documents was also sent to XXXX XXXX and LoanCare LLC on XX/XX/XXXX as per their request via Fax : 1 ) Contractor W-9 2 ) The signed contractor agreement 3 ) State Farm Estimate for roof repairs 4 ) The Contractor 's Estimate 5 ) XXXX Contractor Waiver 6 ) Contractor 's License 7 ) Contractor 's License These Documents are also attached In good faith the contractor repaired the roof on XX/XX/XXXX, but we are not able to pay the contractor because XXXX XXXX , Loancare LLC and XXXX XXXX  are pointing their hands on each other as to who need to released payment of the State Farm checks that was sent to XXXX XXXX , LoanCare LLC . We are in the middle like a tennis ball batting around by these Mortgage servicing companies. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting information that is paid in full
Product: Checking or savings account

On At the end of XXXX I applied for a small business account with Bank of America. I did this by phone, and everything seemed to go fine. The account was created and I deposited the first funds at a local Bank of America branch on XX/XX/XXXX. I doubt this is super-relevant, but just in case : the account was for a family LLC and the funds were from the recent sale of a rental property we had held for many years. After depositing funds, and distributing a small amount to family members, including me, who were owed something from preparing the house to sell, the account ended up with just under $ XXXX in it. On XX/XX/XXXX I received a letter from Bank of America saying they had decided to close the account, due to inability to " verify my identity. '' That was extremely confusing since, of course, in order to open the account, had submitted my SSN, DOB, and so on, and, on top of that, had shown up at a local branch to deposit checks. I called the number I was given to try to sort the problem out. When I did so, I had an extremely bizarre interaction with a couple of people ( a rep and her supervisor ) who seemed to find it bizarre that I wanted information out of them ( let alone help ). The very aggressively explained that I could not be told anything about what the problem was, let alone of course, try to remedy it. They also couldn't tell me when things would be resolved, but they did tell me I would " receive a check. '' They did helpfully explain to me, however, that they had closed my account " for my protection. '' So, I waited for the check to arrive, and a month and a half went by. I continued to receive statements showing the money in my account, though I could not access it. So I decided to go to my local branch bank to resolve the problem. They very helpfully verified my identity and opened a new account for me. However, when they called the bank to try to get money transferred from the old account to the new one, they were stymied. Not only was it not possible to transfer the money -- apparently the only way for it to be returned to me is a check -- but the account was not closed, it was " in the process of being closed '' -- and thus it was frozen. It also could not be determined when I would get my money, or anything about what was happening and why it was taking so long. After that I called again, and had another equally bizarre phone call with someone who refused to share any information about what was going on or why ( but was pleased to tell me that whatever was going on was " not our responsibility '' -- apparently " our '' meant his specific department ). Under duress this person mentioned " XXXX XXXX '' as a date then they " might '' be complete the " closing process, '' but it seemed pretty clear there was nothing behind this and he went out of his way to say that Bank of American could in no way be held to that estimate. So I basically sitting in limbo, with the bank holding only my money, but being aggressively unwilling to tell me what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate accounts off my credit report. Equifax stated that my account was properly investigated, but how so is that possible when the other bureaus investigated the same item and removed it. 
And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acc. # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XXXXXXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Checking or savings account

My account has been frozen with no explanation as to why. I was told I can not withdraw my money. I would be getting an email in XXXX business days telling me why. This is money in a savings account and there is no reason for me to not be able to pull this money out today!
Product: Debt collection

I have never seen this before, there is an account that is listed on my credit file that is unknown and inaccurate as I do not owe. Why wasn't I informed of this? Given the right to dispute? Provided validation? I need help this isn't right.
Product: Debt collection

Midland credit management is reporting without validating the debt and showing this debt is owed to them. This is a third party making money to ruin people 's credit reports. I have not knowledge of this and I want this deleted from my credit reports.
Product: Student loan

This account was transferred from another account. Now both accounts are indicated on the credit report. During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX XXXX  EST, I received my Monthly Activity Summary Report email from Experian which indicated an Internet Surveillance issue. Immediately following that email, I received another email indicating an Experian Security Alert! 

I immediately logged onto my Experian Account, but I had to get a new password which was highly unusual. After I logged off, I have not been able to logon again because the Experian Security Verification information does not match my original Account Creation Information. I have been trying for 2 days to contact live Experian Technical Support Personnel, but the Experian Telephone Support Menu does not allow that option! I believe that my Experian Account has been hacked, and I respectfully request your assistance in resolving this matter! Thank you for your assistance! 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, SCHOOLSFIRST FCU XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

I have Opt-Out from the financial institution XXXXXXXX XXXX XXXX to not share my non public personal information. See attached opt out letter dated XX/XX/2024 along with previous CFPB complaint XXXX XXXXXXXX against that institution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX  - BALANCE {$2700.00}
Product: Mortgage

previous complaint XXXX was not resolved. The bank called me and said they resolved it but they did not fix the issue. 
This was my first CFPB complaint XXXX : I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX  number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in XXXX XXXX XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Product: Debt collection

I became aware of this account upon receiving a derogatory account statement I called the card issuer and alerted them that I did not open nor authorize this account and they deleted the report from my credit and sold it to XXXX XXXX XXXX XXXX I'm currently still dealing with both to try and get this deleted I've furnished the police report as well as the identity theft report case number and still no resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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
Product: Credit reporting or other personal consumer reports

In XXXX, I was the victim of identity theft however, I did not discover the theft until XXXX. After I discovered my identity has been stolen, I contacted each creditor and all three credit bureaus to dispute the accounts. In addition, I completed an identity theft affidavit on identitytheft.gov. I provided the affidavit to each of the credit bureaus and requested help with remove the fraudulent accounts. No action was taken by the credit bureaus. I have been trying to dispute the fraudulent accounts since XXXX by sending dispute letters and identity theft affidavits as required by federal law. The accounts have not been removed. I have also contacted the local police department. They have advised a case can not be opened for identity theft unless I can identify the person that stole my identity. The police have also advised since the theft took place in XXXX, it would be difficult to track down the person responsible. The credit bureaus respond to my disputes with standard letters stating debt validated. The bureaus do not provide any additional information. I have asked for copies of the applications, as I would like to provide them to the police. No information has been provided. XXXX XXXX sent me credit card statements. I'm not sure why. The statements only show the purchases made by the person that stole my identity but do not provide any information in helping me determine who or getting this situation resolved. In total, someone stole my identity and create debts in excess of XXXX XXXX
Product: Debt collection

A lawsuit was filed against me for debt with a pay day loan company. The law firm and the creditor never sent me anything by mail about this debt so I was not able to verify the debt. The law firms website is https : //XX/XX/XXXX/. Neither the company nor the law firm contacted me through mail or telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the XXXXompany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

No monthly payment report on XXXX XXXX XXXX or for XXXX CARD
Product: Student loan

I was granted a back-dated forbearance including the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, where payments were listed as late, however, my account notes that the account was in a forbearance for those months. I wrote letters to XXXX and XXXX, who in turn contacted My Great Lakes, however, I 've never received anything from the account servicer stating otherwise. I called them as well and the issue was not able to be resolved. I would like the late payment information from those months deleted from XXXX and XXXX and any other data repository. I have copies of the letters sent, and I have never received correspondence from My Great Lakes. ( XXXX )
Product: Credit card

A 20 % discount was marketed on the first purchase for an approved credit card application. I applied and was declined at the store in error. My credit is immaculate so I called XXXX and was told my application was indeed approved. I was marketed a discount and declined in error- never received my discount and had a hard credit bureau hit for the sole purpose of redeeming the 20 % off a large purchase. I did what I was asked to do to receive the discount ( opened up a card ) yet never received 20 % off a {$220.00} purchase because I was communicated by the associate that my application was declined, when it was actually approved. I would like my {$44.00} refunded which is the discount I would have received if the card was not incorrectly declined at the store, while all the while actually approved.
Product: Money transfer, virtual currency, or money service

PNC is not allowing transfer of funds to a third party savings account, XXXX XXXX. They are not allowing me to save for my future the way that I choose.