23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I traded in 2013 XXXX XXXX that was financed with Chase to XXXX XXXX XXXX. XXXX XXXX XXXX bought the XXXX from me in XXXX and sent payment to Chase Finance for the payoff amount. However, Chase continued to contract me about payment, even though I no longer had possession of the vehicle and did not own it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX  XXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXXXXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Product: Credit card or prepaid card

Applied for Bank of America credit card XX/XX/XXXX. Received card activated XX/XX/XXXX. The promotion was spend {$1000.00} within 90 calendar days. 
Statement totals as follows : XXXX ... {$300.00} XXXX {$180.00} XXXX {$540.00} TOTALS {$1000.00} I CALLED THEM TO FIND OUT WHY THEY HAVE'NT GIVEN ME THE {$200.00} BONUS YET. THEY WERE GOING TO RESEARCH. 
RECEIVED A LETTER YESTERDAY DATED XX/XX/XXXX THEY SAID I HAD NOT SPENT {$1000.00} WITHIN THE 90 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the collection account XXXX and account number XXXX which they show as being opened XX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately.
This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
Product: Debt collection

Mother passedXX/XX/2021. Added me to account months prior. Never used account until I was instructed to pay bills for her and rent as she could not do it herself. Used her money which was about XXXX to pay bills as instructed and now company has claimed her debt belongs to me just because she told me to pay her bills using HER money. I have disputed this multiple times with company. They still insist on me paying a deceased persons debt that is NOT my debt. It was her money when it was used. I did not want an account with the original creditor but she added me to account.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I want to report the moneygram service for deleting my account without any reason given to me. Ive been a loyal customer for 5 years now and I believe as of XX/XX/XXXXof 2019, My Moneygram account was terminated for no reason given and not even a single email or letter to notify me. I emailed customer service about this issue of my account being terminated and they said because of security reasons they can not tell me and my account being closed. I called on XX/XX/2019, and asked them if this is a temporary or permanent ban and they said it is permanent and I have to use another money service. I have family in another country whom I am very close with and know very well and even visited them during my vacations. I love to help my family who are in need because I know how poor their country is. I have broken no law, all I did was help my family who is suffering from poverty in another country who makes no more than a XXXX dollars a month not weeks a month! My reason for choosing this money service is because not all countries have XXXX XXXX or just too far out from my families village in XXXX and Moneygram is the closes to my families village in XXXX.
Product: Credit reporting

I ordered my credit report and seen that XXXX had this account as marked as a charge off. I disputed that because I had a paid in full letter dated XX/XX/2012. At first they updated it to paid and listed different dates that were late. I disputed it again and the dates delinquent changed again. I disputed it again. The dates changed again but never corrected this to never late. I contacted them to contact XXXX and they said the did not and would not call XXXX. I said well I dispute this again and within an hour its updated and not investigated. I explained that the car loan I had was for a vehicle that was in a accident and the vehicle was totatled. THe insurance company sent them a lump sum check. I also moved right around the time of the accident and when I spoke to XXXX at XXXX she did say correspondence was sent to me that the deductible was my responsibility. I asked her if they got the letters back since I had moved. She said it was noted that the mail was undeliverable so they began contacting me via phone at which time I did give them an over the phone payment to clear the account. The contact Equifax again today. I was told there is nothing they can do and there is no law obligating them because of errouneous mistakes to change the information. I told them I had the paid in full letter and they said they were not breaking any laws. However they are. They are not even investiaging this as they should. They refused to contacted XXXX other then electronically. Equifax is aware by how many updates they have made to my account that XXXX continues to provide them with accurate information. I spoke with a supervisor today his name is XXXX and then his supervisor XXXX Who said there is nothing more we can do and this would need to be disputed with XXXX and not them. My rights are being violated. and I want this looked into more. They admitted and acknowledged that there were errors but are refusing to fix it or investigate more thorough.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX 2023
Product: Checking or savings account

This complaint is against Truist. 

OVERVIEW : I'm locked out of my online account. I have no access to over $ XXXX of funds, can't issue payments, and no longer have an active debit card. 

RESOLUTION ATTEMPTS : I have spent over 10 hours on hold with Truist. The few times I've managed to speak with an XXXX  call center agent, they inform me that my issue needs to be handled by a 'specialist ' and ask if I'll go back to waiting on hold. 100 % of the time they place me back on hold the call is disconnected within 5 minutes. 

I've left dozens of voicemails and contacted Truist on every social media platform that I can. No luck. 

I stopped in 2 Truist locations and asked for assistance. All Truist employees told me that I have to call in to speak with a fraud specialist that can assist in unlocking my account. 

At one point, I told the Truist manager that I want to close my accounts and she told that I couldn't close them because the person who has authority to close accounts had gone home for the day ( this was XXXX on a Friday ). 

At this point I'm desperate for help. I have bills that were tied to my Suntrust check card that are not bouncing back. I can't withdraw money and I can't initiate online transfers. 

The only FRAUD here is TRUIST!
Product: Payday loan, title loan, personal loan, or advance loan

I asked for a payoff letter for an XXXX XXXX XXXX personal home equity loan that has always been paid through automatic deduction. M & T Bank provided me with the letter, however is unable to provide me with information on a line described as " Deferred payment balance ''. This line adds {$3300.00} to the payoff amount. 
Despite numerous calls ... no one can identify or explain what this line item is for. 
M & T Bank responds they will call me back after research... however no one does. They open another 'ticket ' to research the issue when I call to follow up. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  XXXX  account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX XXXX. I contacted XXXX   XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX  XXXX  account.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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

I continue to receive regular emails from Experian, including alerts notifying me of changes in my credit score, and warning me about changes to my credit report. When I navigate to the Experian.com web site, I am not able to log into the site. The web site tells me that my email address is not valid, even though it is the same email address where I am receiving the alerts. I have wasted hours trying to navigate the phone supoort, inputting all of the requested information to the automated phone system, only to have it re-direct me back to the website where I still can not log in. This is infuriating to say the least. The only reason I have an account with Experian in the first place is because my information was compromised by XXXX. Now, I am receiving alerts from Experian, but unable to access my account, view any details of the alerts I am receiving, or contact any person at Experian.
Product: Credit reporting or other personal consumer reports

Over 30 days ago, I requested information on several accounts on my credit report, unfortunately I never received any information. I have asked repeatedly for information on these accounts and for old information to be deleted.
Product: Debt collection

In accordance with the fair credit reporting act XXXX account # Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information With charge off/collection is basically the creditor saying Im no longer responsible for this debt, but the IRS says for amount that are written off over {$600.00} the the creditor have to send me my 1099C I need to file that wit my taxes as earned incomes in IRS eyes If I got my 1099 C and I file it as income how is that being reported as a debt ACCOUNT PAID IN FULL BEFORE COLLECTION YOU HAVE VIOLATED CONSUMER LAW THEREFORE YOU MUST REMOVE ACCOUNT FROM ALL CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 Transunion, XXXX, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Transunion, and XXXX permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen. 

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that have been negatively affected are XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL XXXX  XXXX  )
Product: Credit card or prepaid card

Citicard has failed to honor their citi price rewind claim and denied my 2 claims on a wrong reason. The claims were for a lower price on XXXX for the same item and sold as 'Buy it Now ' price which is NOT an auction price. However they refused to honor the lower price citing the lower price is on an auction site. When asked why they dont honor auction sites, they gave reason as the price of the item is a bid price which doesn't guarantee a purchase at that bid price, which I agree 100 % and yes bid price should not be price matched. However XXXX is not an auction site as they also sell items which customers can buy without bidding. This lower price was for the same item, brand new and NOT bid price. Thus this item any one can buy without bidding. On explaining this to Citi price rewind customer service personnel, they agree to this but will not approve. I escalated to their Supervisor - XXXX who would also agree but will not approve giving a silly reason that even though the item is not on bid or not being auctioned, it may go on bid if its not being sold for longer period of time. I dont understand what kind of reason is this. The item can be either on auction or sold at a fixed price. My lower price corresponds to the fixed price and NOT an auction price. I filed XXXX complain and XXXX XXXX an Executive Office from their Presidents Office called me and insisted that XXXX is an auction site and Citi wont honor the price-rewind claim. When I asked her to check with XXXX that they are NOT auction site, but is also eCommerce site like many others, she refused and said, no XXXX is an auction site. I am apalled at her knowledge and refusal to look into it and correct it. 
In-spite of telling her that XXXX XXXX is an XXXX XXXX XXXX XXXX based in XXXX XXXX, California that facilitates consumer-to-consumer and business-to-consumer sales through its website she refused. This is malpractice by Citi by not honoring their own terms by branding XXXX purposefully as auction site to refuse payment of the price difference as per their benefit. 
This is to highlight to consumer to be aware of malpractice by Citi.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

The company XXXX XXXX ( First Credit Service ) is looking for a person unrelated to me. They call and harass on a daily basis. I have repeatedly answered and explained I am not the person they are looking for. I have asked to speak to a manager and they denied to transfer me. I have records of the calls. This is straight harassment.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, TransUnion, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts and hard inquiries that were opened and made without my authorization. Specifically : XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX , account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX, XXXX, and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries appearing on my consumer credit report, including but not limited to : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts, collections, and hard inquiries are the result of identity theft and fraud. I do not recognize the aforementioned items on my consumer credit report maintained by XXXX, TransUnion, and XXXX. All of the aforementioned items were not opened, made, or initiated by me. 

I have attached a copy of my FTC Identity Theft Criminal Complaint ( case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.