23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I requested for the previous bank named Suntrust Bank now called Truist to transfer {$250.00} plus an accepted {$3.00} fee five times on five different dates to my checking account at the XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020. 

{$250.00} was to be received at XXXX beginning the XXXX of XXXX except not one dime has been received in my XXXX  checking account. 

I filed an electronically file a complaint to the bank using a way to file a dispute. 

On Friday I received an electronic document asking me a XXXX to complete some more information about the amounts while the document was not complete to ask about my complaint. The instructions are requesting that I sign the completed document then " fax '' it to a number. 

I have informed the manager that I am so XXXX that I struggle to place a stamp on a letter for a business purpose. 

I have electronically communicated through their secure services messages but I am and have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - experian, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to Experian. Experian requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i requested for inaccurate information to be deleted not be reporting on my consumer report. I am writing to bring to your attention an urgent matter concerning inaccurate information present in my credit consumer report, which has been causing significant damage to both my creditworthiness and personal character. 

Upon reviewing my credit report, I discovered multiple instances of incorrect information, specifically regarding names, addresses associated with my account. It has come to my attention that my report contains names that do not belong to me and are therefore inaccurate and misleading. These inaccuracies have raised concerns about the integrity and reliability of my credit history. 

I would like to emphasize that I am the sole individual who can validate the accuracy of the information within my credit report. Their inclusion is not only factually incorrect but also potentially harmful to my creditworthiness and reputation. As a responsible consumer, these discrepancies are tarnishing my credit report, making it difficult for me to establish my true creditworthiness and reliability. I kindly request that TransUnion undertake a thorough investigation into the inaccurate information contained in my credit report and take immediate action to rectify these errors. Specifically, I urge you to delete the names and address that are not mine and update my credit report with the accurate and verifiable information that I provide. Doing so is crucial to ensuring the integrity and reliability of my credit history and preventing any further damage to my financial standing. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and correct any inaccurate information on my credit report and that all information reporting must be 100 % accurate Therefore, I kindly ask for the incorrect information be removed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX-XXXX  XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Owed : {$7800.00} XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I deposited {$420.00} in a chase ATM around XXXX in XXXX Arizona ( Term ID : XXXX ). The money was from driving XXXX for the day and instead of depositing the money via ACH or paying an instant pay fee, I took the money from my XXXX card and wanted to deposit the cash myself. After inserting the money, the ATM took longer than usual to process the cash and claimed that it couldn't read an unspecified amount of bills, however when the machine gestured to return the bills in question, no money appeared. As a result, I was given a receipt to call a number to see if my deposit went through. I first checked my app and didn't see the deposit, so I decided to call the number. When I called the number, chase 's offices were closed. 

When I called the next morning, I explained to my agent what happened. The agent created the claim and told me that I should receive a temporary credit within the next few days. I explained to her that I needed the money for rent ( which I was late for ) and that the deposit was enough to cover the balance owed, I explained to her that If I didn't pay by the end of that day, I would be sent to court by my landlord. I asked further if there's any way for them to grant the credit, she said no. When I told her that I had a similar situation years ago ( before I closed my 1st chase account as I re-opened one recently ) she said " we don't do that anymore ''.

Long story short, Im transitioning to chase from my current primary banking account as I no longer want to do business with them. This is absolutely not a good first impression for a new/returning customer as the lack of adequete customer service poorly reflects the proper way of handing a critical issue. I am considering switching to another bank instead of chase as your customer service rep showed where chase 's customer service values truly lie. Im not getting evicted over this, I did everything I was supposed to do. Unacceptable on chase 's part.
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX [ XXXX XXXX Address ] [ City, State, ZIP Code ] Subject : Notice of Potential Identity Theft Dear XXXX XXXXXXXX XXXX, I am writing to inform you that I believe I am a victim of identity theft. I recently discovered that an account in my name has been placed with your agency for collection. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I have already reported this incident to the Federal Trade Commission ( FTC ) and have filled out the necessary forms on IdentityTheft.gov. Enclosed with this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Affidavit. 

In light of this situation, I request that you : Cease all collection activities related to this account. 
Remove any negative information associated with this account from my credit report. 
Provide me with any information you have regarding this account, including the original creditor, account number, and any transactions made. 
Please confirm in writing that you have received this letter and that you will take the necessary actions to resolve this matter. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
Product: Checking or savings account

I filed a dispute with Wells Fargo on an unauthorized charge. The reason why this is an unauthorized charge was that I canceled the gym membership in accordance with the gym contract - in a term such termination of account withdrew my consent of further withdraws. 

I received a letter on XX/XX/XXXX that my dispute was denied for the amount of {$99.00}. 

The gym membership was canceled on XX/XX/XXXX - the contract required 30-day notice of cancelation. The gym contract should have been canceled on XX/XX/XXXX a day prior before dues were taken out. That was not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and Experian show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Product: Vehicle loan or lease

I was denied by XXXX XXXX XXXX reporting agency?? Who is that and why is my credit information being denied by this company?
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for XXXX student loan forgiveness in XXXX, XXXX. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating my application had been received. But when I call ( XXXX ) XXXX to check on the status, there is no record of my SSN or account number. I have to wait about two hours to talk to someone only to be told they have to route me to the " correct department ''. Then I get disconnected every single time. I have called on the following dates : - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX The letter says it can take XXXX to 120 days to process my application, but that is unreasonably too long considering everything is done through electronic interfacing. If nothing else, the system should still recognize my SSN or account number, otherwise I would not have received a letter confirming application receipt. 

I believe FedLoan Servicing, like several other student loan servicers, are engaging in fraud. They are billing the government for services they are not actually providing to borrowers and they make it impossible to contact them.
Product: Debt collection

I rented a place in XXXX XXXXn XXXX Texas. The place was infested with roaches when I began to move my things in. I went back to the office to tell them about the roaches and asked for my money back. I was told flat out No and i had to move in. Well I didnt and I gave them XXXX weeks to remove the roaches. After returning in XXXX weeks the place was still infested. I also filed a complaint with the health department of XXXX. The never returned my money and put me into collections for over {$400.00}. They never returned my security deposit or first months rent. I incurred more debt by having to stay in hotels
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My address is not correct on any of my credit reports and is keeping me from conducting business which is against the federal law for the Credit bureau to interfere with commerce. The addresses listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( on credit twice ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX are not an accurate addresses because I have not lived at these addresses. it was a childhood address. The XXXX address needs to be removed. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ) .he relevant US code for credit bureaus not updating correct information on a credit report is 15 U.S.C . 1681 et seq., also known as the Fair Credit Reporting Act ( FCRA ) ; this law requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of information on consumer credit reports, and also outlines consumer rights to dispute inaccurate information on their reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that if the information on the credit report is wrong it must be corrected. If credit bureaus violates the FCRA, consumers can sue for statutory damages ranging from {$100.00} to {$1000.00}, even if they can not prove actual harm. i was a victim of Identity theft and data breach through Equifax and XXXX. The reference number to my FTC Identity Theft report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  on XX/XX/XXXX to dispute a BB & T Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted BB & T and they were not able to validate this account. First off let me say I do not have an account with BB & T. I did get approved for a car loan and did sign documents for the loan. BB & T Sent the check directly to the car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from BB & T. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't BB & T want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly BB & T KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted BB & T directly on XX/XX/XXXX @ XXXX XXXX  talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for XXXX  to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting BB & T via certified mail, I sent proof of the validation request, and a screenshot to XXXX  showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
Product: Credit reporting or other personal consumer reports

This is a follow up FTC report for XXXX fraudulent accounts which! The last one I submitted the opening dates were wrong I know that Equifax take these things serious so here is a report with the corrected information with hopes for a speedy resolution
Product: Debt collection

My account was settled via insurance check and the account was charged off. Multiple customer service reps have stated that this was a system error yet I still have a charge on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from My XXXX  that there was a credit inquiry under my name or SSN from two payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.