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

On XX/XX/18 I opened a US Bank Checking account ending in XXXX with a promotion for {$200.00} when performing qualifying activities on the account. I can confirm that I met these requirements ( Direct Deposit at least {$1000.00} into the account within 60 days ). 

After speaking with U.S. Bank, they insist I will receive the bonus within 1-2 business days but each time, I do not receive the bonus. 

I believe I have met all the condtions as outlined on the terms and conditions page of the bonus, and even received a reply from customer service that I will receive the bonus.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the fraudulent activity and inaccuracies on my TransUnion credit report. My personal information, including my email and possibly other sensitive details, was compromised in a known data breach and subsequently sold on the XXXX XXXX This breach has resulted in unauthorized accounts and credit inquiries being reported under my name, causing severe harm to my creditworthiness and financial stability. As a military spouse, my familys financial security is of paramount importance, and I am invoking my rights under federal laws protecting consumers and military families. 

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion is legally obligated to ensure the accuracy and integrity of the information in my credit report. Furthermore, under XXXX XXXX  of the FCRA, as I have reason to believe these accounts were established due to identity theft, I demand that all fraudulent accounts, credit inquiries, and associated data be permanently removed from my credit report without delay. This includes any debts or obligations falsely attributed to me. 

Additionally, under the Servicemembers Civil Relief Act ( SCRA ) and the Consumer Financial Protection Bureau ( CFPB ) XXXX emphasis on protecting military families, I request expedited handling and resolution of my complaint. The impact of these inaccuracies on our family is compounded by my spouses active military service, which requires financial stability. 

I have already attempted to resolve this matter directly with TransUnion, but the response has been insufficient. I demand a full investigation and immediate removal of all fraudulent accounts and inquiries, as mandated by the FCRA. If this issue is not addressed promptly, I reserve the right to escalate this matter further through legal channels and to seek remedies for the harm caused by these inaccuracies. 

Please confirm the removal of all unauthorized accounts and inquiries and provide written documentation of the corrections made to my credit report. **
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all the consumer credit accounts and collections s are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, i was thinking about using this service to boost my credit, filled out the form online but didn't submit it. XX/XX/XXXX, I contacted KIKOFF LENDING LLC, TO INFORM THEM that i never submitted my information and that, i never used the credit line, and that they have me with negative remarks, and collections, and that they need to remove this off my credit report, they agreeded to remove it. Now I have negative remarks for late payments, which i never made, and it is a writeoff which I never used or gave concent.
Product: Mortgage

My original lender did not require me to have hail and wind insurance. It is nowhere in my loan documents ( deed of trust nor promissory note ) that my escrow can be used for wind and hail insurance. They force lender-placed it on me without my knowledge and drained my escrow. Now they are telling me that my note is going to be {$1000.00} more per month and I can not pay that. I have sent them all of the documentation that they would need to reverse this and reimburse my escrow. I have spoken with them many times and I have been given the runaround for more than t o months. Now, they will not allow me to pay my note unless I pay the extra amount. They are trying to change the terms of my loan. I was never told that I had lender force-placed insurance. I was never sent any documentation of this insurance. I did not find out until eight months later when they sent me a letter stating that I would need to pay more in order to cover my drained escrow. I was denied talking to a supervisor six times. The last time that I called I was told to call back and asked to speak with the legal team only to be told there is no way to transfer me to a legal team. I have been told to email documentation and I have emailed it over and over and they say they do not get it although I receive an automated response all six times. I have told them I would meet them halfway and buy my own wind and hail insurance ( even though it does not say I have to have it in my loan document ) if they will reimburse what they have drained from the lender-forced insurance. They will not come up with a solution for me. Roundpoint bought my mortgage from XXXX mortgage company, and they are not honoring the terms of my mortgage that I signed via my contract with XXXX. I have consulted with an attorney and I can not afford attorney fees to get a solution. I will have to put attorney fees on a credit card if this is the route I have to take I would rather settle this out of court. I have all documentation from every phone call that I have made and every email that I have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an hard credit inquiry that wasnt fraudulently placed on my XXXX credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$430.00} {$430.00} {$250.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Late 90 Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK Experian XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Money transfer, virtual currency, or money service

ATM withdrawal XX/XX/2024 at XXXX {$1000.00}. Money never dispensed from atm was told to contact my financial institution. Cash app never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I went to do a soft pull on my credit score beginning XX/XX/XXXX cause was looking into making a home loan to rebuild my moms home and with using my personal bank that allows it without credit score being affected. Opened it up and showed XXXX as my score. Went to look at credit report and I had over 14 new open issues at top and below showing all open accts from XXXX of XXXX and a couple in XXXX. Below I have uploaded all reports that havent been authorized by me. And police repost also made which have been uploaded. It has taken me almost 3/4 months to get here now and place this report in hopes to fix my credit.
Product: Credit reporting or other personal consumer reports

I have no connection to this mentioned inquiry. Please remove them from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

On my credit report it is reporting several hard inquires on my credit since XX/XX/2024.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Account and Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir or Madam, I am writing to file a formal complaint against XXXX, XXXX, and XXXX concerning an unauthorized account on my credit reports and the subsequent verification practices employed by these credit bureaus. The account details are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Background : In XX/XX/XXXX, I was notified of a data breach that compromised my personal information. Subsequently, I discovered that a XXXX XXXX XXXX account had been fraudulently opened in my name without my authorization. 
Upon identifying this unauthorized account, I promptly disputed its validity with XXXX, XXXX, and XXXX. Despite providing evidence of its fraudulent nature, all three credit bureaus have verified its legitimacy and continue to report it on my credit files. 
Alleged Violations : I believe the actions of the aforementioned credit bureaus constitute violations of federal law, specifically : 1. 15 U.S.C. 1692gValidation of Debts : This statute mandates that debt collectors provide proper debt validation upon request. The continued reporting of this unauthorized account suggests that the credit bureaus have not ensured that the debt was properly validated, especially considering the circumstances of identity theft.

2. 15 U.S.C. 1635 Right of Rescission : While this section primarily pertains to the right to rescind certain credit transactions, it underscores the necessity of clear and accurate credit agreements. The existence of a fraudulent account indicates a failure to uphold these standards. 
Request for CFPB Intervention : In light of the above, I respectfully request the Consumer Financial Protection Bureau to : Investigate the verification processes employed by XXXX, XXXX, and XXXX concerning this disputed account. 
Ensure that the unauthorized XXXX XXXX XXXX account is immediately deleted from my credit reports. 
Review and address any systemic issues within these credit bureaus that may allow for inadequate verification of disputed accounts, especially in identity theft resulting from data breaches. 
I trust that the Consumer Financial Protection Bureau will take this matter seriously and take appropriate action to rectify the situation. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX XXXX XXXX repossessed our XXXX XXXX from our lessee XXXX XXXX. We found out that there was a claim filed with XXXX XXXX. We found out in XXXX of XXXX that the damages were paid for via a two party check made out to XXXX XXXX and XXXX XXXX XXXX XXXX We reached out to XXXX XXXX XXXX and they found out the check was cashed without the endorsement from XXXX XXXX XXXX XXXX. The damages were not repaired and we had to pay for repairs. We filed a forgery claim against Wells Fargo Bank in XX/XX/XXXX. The claims center at Wells Fargo advised that we need a claim number that is in a packet that they send to XXXX XXXX. I reached out to XXXX XXXX and they still have not received a packet with a claim number to get things moving forward and Wells Fargo advised me that I can not get an update on the forgery claim without the number.
Product: Credit reporting or other personal consumer reports

I placed XXXX order back in XX/XX/. Phones were purchased and than returned to XXXX immediately in upcoming days. XXXX refunded the whole amount to me. Later after few weeks XXXX bill showed up for {$82.00}. I called and XXXX removed {$82.00} as order was returned and balance was XXXX. Since XXXX XXXXXXXX account XXXX on my credit report show as paid after payment late/collection account. This is absurd. This account should not even be on my report as this account was closed due to me returning the order and XXXX made me sure balance is XXXX. I have attached order detail which show order place confirmation and refund confirmation. I would like to request credit bureau to remove this account from my profile immediately. This does not belong on my credit profile by any means. Credit bureau should contact and they will says no balance is due and no balance was ever paid because this order was returned to them. So please remove this XXXX wireless account ending in XXXX effectively immediately. Look up for attached order /account details for more info. There is only XXXX XXXX account on credit report. So remove it. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, ONLY NAME IS XXXX XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS
Product: Debt collection

I contacted Diversified Consultants at XXXX about a debt collection that is on my credit. I spoke with the first representative that treated me like I was XXXX. He said that I was so XXXX for not reading my contract. He yelled at me and would not allow me to speak. I asked to be transferred and he laughed and me and kept yelling " hold on ''. He then transferred me to another representative that was just as rude. He would not allow me to speak. He would not refer me to who to contact at XXXX about this amount that they have sent to Diversified Consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 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 Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In  XXXX    XXXX   I visited the  Branch of PNC b ank in  XXXX  to close my accounts. Supposedly everything was done. About a month later, I started getting notice of fees charged. Went to the  XXXX   XXXX , and they initially refused to close the account. Until I stated that I refused to leave, and they would have to get the police to make a report and remove me, the manager supposedly agreed to close all the accounts, refunded the fees, and gave me a handwritten letter confirming all accounts were closed. I still am receiving bank statements as if the saving accounts are open. Basically, they are refusing to close the account.
Product: Debt collection

I received a collection notice and called right away. I figured I had over looked it as we have many medical bills. While on the phone I was told there were XXXX additional, much older than the notice I called about. I paid the one notice and said I needed to look at the date for the other one. One of those were for my adult son and could not be discussed with me ( a separate complaint is being filed ). 
I called back and left a message to send me a copy of the other bill. I could find one original bill for the oldest of the incidents, but not other notices or attempts to contact us. 
Though I have paid these, I wanted to make the CFPB aware of the tactics, that I believe are aimed at gaining more interest. Over the year or XXXX these bills have gone without notification or contact until now, they have racked up quite a bit of interest. My son 's bill we are still trying to get verification that it is even his. It is very large and we do have insurance and an FSA account, I see no reason why we would have let them go. One could be over looked, but I find XXXX very suspicious. I just want the company 's business practices looked at more closely.
Product: Debt collection

XXXX XXXX keeps contacting my parents and grandparents who live in completely different households and states.
Product: Debt collection

A representative from Total Card , Inc., who would n't identify herself, repeatedly called me in reference to a debt owed for {$450.00} for a credit card account that 's is fraudulent and do not belong to me. The representative repeatedly harassed, oppressed and verbally abused me and threaten me with violence, death, arrest, seizure of my property, wage garnishment and total embarrassment, if I did not pay the debt owed. Total Card is in violation of Fair Debt Collection Practices Act and Minnesota debt collection laws. I told the representative countless times, that I am a victim of identity theft and the account do not belong to me, but my answers and requests, was disregarded. SSN : XXXX, DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX