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

The SunTrust and BBT merger resulted in an ATM sent to me that failed to work. I had to drive 40 miles to the nearest beach despite having a child with XXXX who had to be transported because the company I use wouldnt take him as my card failed. I also had to miss work as an XXXX XXXX of XXXX during a COVID spike. The XXXX branch tried unsuccessfully FIVE times to activate the card with Truist customer service telling him it was my card controls. I did as instructed- tried to make an ATM withdrawal of {$100.00} which failed. The card control was {$700.00}! The branch manager issued a temporary card for me to use, ordered a new one for me, and cancelled the other cards associated with my account. Today my new card arrived, and I have been unable to activate online while CORRECTLY SIGNED IN TO MY ACCOUNT. It failed to activate using BOTH PHONE NUMBERS tied to my account. I can not have my childs safety compromised by this level of ineptitude. As an adult XXXX child the one time I did try to get him home by public transport, he misread the bus sign and wound up in a small town FIFTY MILES FROM HOME AT XXXX pm in the dead of winter. Thank God for kind people who helped him catch the LAST BUS back to home. 
For over 25 years I had NO ISSUES with SunTrust. Im under one year Truist has made our lives XXXX. I want nothing more to do with them. All I need is this card business corrected so I can change banks. I can not keep taking time off to deal with Truist errors- they knew it was going to be a problem and had no regard for the inconvenience to their customers.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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. This fraudulent, inaccurate, and false information consists of a 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Missing check : Condo fee {$410.00} check from XXXX by XXXX online XXXX hasnt been shown on XXXX XXXX XXXX XXXX account, Citizens bank. However the fund was drawn from XXXX but fund hasnt transferred to Citizens bank. XXXX claimed issue at XXXX and I claimed issue at Citizens Bank. Both bank avoided responsibility and communication each other than helping XXXX and XXXX. 
Put XXXX ' name and number XXXX XXXX XXXX from XXXX XXXX XXXX advanced services in the complaint so that they know the issue.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX : {$3900.00}
Product: Credit card or prepaid card

I opened an account with TD Bank in XX/XX/XXXX. I thought I signed up for their auto bill pay in XX/XX/XXXX, I was wrong and accrued late payments until XXXX which I paid. At this point, I requested to be put on Auto Bill pay over the phone. Apparently I was not put on auto bill pay and continued to accrue late fees and missed payments. I called TD Bank to ask why I was not enrolled, the customer service representative could not answer my question and suggested I speak to a supervisor. I agreed and was waiting for a call within 24-48 hours. I never received a call. When calling back, I asked to speak to a manager on duty and according to the rep, there wasn't one. I was told to wait 24-48 hours again and once again, no call. I attempted this a third time with no luck. I filed a dispute with XXXX  but was not able to reverse the late payments due to " lack of evidence ''. They recommended I try contacting TD Bank again. I received a call from a collections agency on XX/XX/XXXX saying my account has been charged off. TD Bank has been unresponsive and uncooperative with my account.
Product: Checking or savings account

Ally Bank offered 1 % cash bonus promotion. To receive the 1 % I was required to enroll by XX/XX/XXXX, deposit funds by XX/XX/XXXX & have those funds remain in the account until XX/XX/XXXX. 1 % bonus to be paid by XX/XX/XXXX On XX/XX/XXXX I received an email " Good news : You're enrolled in the cash bonus ''. I deposited {$50000.00} on XX/XX/XXXX into my qualified account, where it remained until XX/XX/XXXX, when I made a partial withdrawal. The account is still " in good standing '' with Ally. 
When I did not receive the {$500.00} to which I was entitled, I contacted Ally Bank on XX/XX/XXXX. They established a file ( Ref # XXXX ) & told me I would be contacted within 5-7 business days. I called again on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I also left a complaint on feedback on XX/XX/XXXX & 2 complaints on phone survey. To date, I have NEVER received any communications from Ally in response to above complaint, even though I was promised a follow-up each time. All representatives to whom I spoke researched my file & agreed that I had met all requirements to entitle me to the {$500.00} bonus & one told me that " I was not the only one '' with this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, i've been victim of theft identity. people applied for a loan in my name from these XXXX companies below XXXX XXXX XXXXXXXX XXXX A- i had loan amount is ( XXXX $ ) on XXXX B- i had loan amount is ( XXXX $ ) on XXXX C- i had loan amount is ( XXXX $ ) on XXXX XXXX XXXX XXXX XXXX ; i XXXX XXXX XXXX ( XXXX $ ) on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

Upon reviewing my latest credit report, I noticed several accounts that appear to be inaccurate and were added without my authorization.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. Upon reviewing my credit report I have identified a charge off account from XXXX XXXX  XXXX that is being reported, which is in violation of the fair credit reporting act. This XXXX XXXX XXXX account is incomplete and inaccurately reporting on my credit report which is against the law to unfairly represent inaccurate information. The account says charged off but there is a balance of XXXX and a credit limit of XXXX reporting. There cant be a credit limit on a closed charged off account. There is no credit to use. The account info says last payment was on XXXX XXXX. But, the payment history shows XX/XX/XXXX and XX/XX/XXXX as paid on time. The account info says that the account was opened on XXXX XXXX but the payment history is only showing from XX/XX/XXXX- XX/XX/XXXX. All this information is contradicting and inaccurate. Please remove this XXXXXXXX XXXX XXXX account from my credit report immediately. Thank you
Product: Mortgage

We refinanced our mortgage back on XX/XX/XXXX with XXXX XXXX. The loan services than was switched to US Bank. The school taxes on this property were due by XX/XX/XXXX. When the loan closed, they collected 13 months of school taxes that went into the escrow account. The loan was Transferred to US bank prior to the first payment date of XX/XX/XXXX and with that, all of the escrow money was transferred to US bank to pay the taxes. 
At the end of XXXX, we received a delinquent tax notice with a penalty of over {$700.00}. They never paid the taxes since XXXX and I started reaching out to the tax department starting XXXX. I spoke with a XXXX, XXXX, XXXX, XXXX on the phone and emailed the tax department multiple times and they never responded by email. On the phone I was told on four separate occasions that a manager would call me and my husband back and they never did. I was told a check was mailed on the XXXX but they could give me no confirmation. This has been going on for a month until finally today I called again sat on the phone for almost 2 hours because I refused to accept a callback because I knew it was a lie. Finally a XXXX who said she was a supervisor in tax escalation told me that she too could not give me any proof of payment and it was paid on the XX/XX/XXXX. She then placed me on hold again and sent me over to customer service for some reason saying they could give me proof. The customer service rep I finally reached a XXXX who said he could only give me a copy of our mortgage statement that the escrow didnt not have the money any longer. I asked him if he could give a check number or wire transfer confirmation and he informed me that she was the only person who had that information. He then called her back and after waiting another 30 minutes he told me that XXXX had the information and just didnt give it to me. He said she told him the check was post dated for XX/XX/XXXX and mailed even though they had been telling me all month it was already mailed. She lied to me or avoided my phone calls. So now they said a check was mailed the XXXX, I still have no proof and if the taxes are not paid by Friday we will have a lien placed against the property for taxes that were already paid to the bank. The bank Employees in the tax department have purposefully miss lead me through the entire month of XXXX as they still did not pay my taxes. I am at a loss for what to do at this point. 
Thank you for looking into this! I greatly appreciate any help! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Would like all accounts took off my credit they still havent took nothing off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2016. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I got a text from Wells Fargo that claimed my account had been hacked and someone was trying to take {$13000.00} out of my account. I told them that I was not aware to which they called me from the Wells Fargo number and advised that I close my account ASAP and they set up a new one with me. Rushing me because I had no idea how this could happen, they transferred me over to someone else and told me my new account number. I didn't know anything about wire transfers and never used XXXX, none of that. they told me my new account number and I wire transfer two different amounts. One at {$2800.00}, the other at {$6600.00} which I found out was person in Florida named XXXX XXXX. Once my roommate told me something didn't seem right, I hung up and called the same number on the back of my debit card and told them I thought I was cammed, and the person who I spoke with instantly told me I was. Weird, since they didn't have all my info yet. I watched it pending for the majority of the day, which I called to tell them immediately after the call. the transaction eventually went through the next day. I called Wells Fargo again to get this fixed, and of course, there is nothing they can do. I filed a report to the police and submitted my stuff to the FBI as well. All my accounts have been closed and they issued me a new account. I have talked to managers there and something just doesn't seem right with that company. After reading about wire transfers, they should have stopped the initial transactions.
Product: Debt collection

On XX/XX/2021 I sent a letter to ENHANCED RECOVERY COMPANY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit card

on XXXX i sent a response and billing error dispute for the adverse action taken to my account which i did not not consent or authorize them to do so. They never responded to my letter PayPal credit and synchrony bank is in violation of 15usc1691 ( a ) ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ; because the applicant has in good faith exercised any right under this chapter. 
They stated they used information from my XXXX consumer report which i never gave them written consent or authorization to do so they said they pulled my consumer report on XXXX but according to my XXXX report it says they pulled the report on XXXX .which is after you synchrony bank already made your decision to deny me my own credit which organization is lying about the dates?.. This inconsistency is not only false and misleading, but also displays fraudulent and deceitful credit card practices.In light of these serious concerns, I am not requesting but demanding the immediate reinstatement of my XXXX $ PayPal Credit limit. I extended the credit for the account ending in XXXX, and it is imperative that you honor it. 
Furthermore I noticed an error on my billing statements stating that i allegedy owe {$270.00}. it currently reflect a positive balance, is it implying that I am being compensated? it raises significant concerns about the accuracy and transparency of the billing information provided.If, as alleged, I owe a certain amount or alleged Debt, the balance on my billing statements should logically reflect a negative amount to accurately represent the alleged outstanding debt. The current positive balance is not only misleading but also creates confusion about the actual status of my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

TD Bank XX/XX/2019 Unauthorized ACH withdrawal by XXXX XXXX in the amount of {$650.00} XX/XX/2019 Unauthorized ACH withdrawal by XXXX in the amount of {$650.00}. 

I immediately went to my local branch of TD Bank in XXXX MA. And filed a dispute for the fraudulent withdrawals. They told me it might be seven to ten days before the charges would be reversed. I then went back to the branch later in the day once it became clear this was tied to a known fraud incident regarding XXXX. They again stated they could do nothing and could not block the current pending withdrawal of XXXX.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute a XXXX account that a fraudulent account because I was in XXXX also a account with XXXX XXXX  and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks please help
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite using Zelle frequently and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users at risk of scams.
Product: Credit reporting or other personal consumer reports

ATTENTION : CUSTOMER COMPLAINTS DEPARTMENT Today is Report data resource XXXX XXXX My XXXX and only correct XX/XX/XXXXand Last name is My correct and legally obtained XXXX is XXXX My current correct Address Street Number , Street Name, City, State is XXXX XXXX XX/XX/XXXX nj XXXX My XXXX and only Date of Birth is : XX/XX/year> RE : consumer notice in demand for ONLY CERTIFIABLY COMPLIANT REPORTED and physically verified valid personal identifier information that as well is requisite reported to be included on any report you create, retain, receive, and or release. 
Notice to : To Whom It May Concern : received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 
My XX/XX/XXXX and only correct XX/XX/XXXX and Last name is XXXX XXXX and I have no other requisite reported names or aliases. Please removeall other versions of information similar or alleged as being my name from my credit report. 
My current correct Address Street Number , Street Name, City, State is XXXX XXXXXX/XX/XXXX nj XXXX Please update the information in my file to reflect ONLYmy above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have d and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate Please remove all alleged employers that are listed on my report. 
Please remove all phone numbers that are listed on my report, otherwise please provide proof that you have verified them to be completely accurate and perfectly factual and certifiably compliant in its reporting. I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information In accordance with Consumer Protection laws, I request that these NOTED items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified compliant and verified valid claims that are true and as reported, I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within XX/XX/XXXXdays of receipt of this letter. 
Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank you for your prompt and timely help in this matter. 
Sincerely. 
My XX/XX/XXXXand only correct XX/XX/XXXXand Last name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.