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

Thursday afternoon XX/XX/24 I attempted to withdraw {$60000.00} from truist bak 299 Bill France Blvd Daytona Truist Branch. 
The attempt was unsuccessful despite an ample principal with Truist in that account. 
i am a partner in a new business ; " XXXX XXXX Technologies ''. We needed funds to continue XXXX & XXXX on our security modules. 
Monday XX/XX/24 the money had not been processed through XXXX Bank, where the bank check from Truist had been deposited.

I returned to the Truist branch, met the branch mgr " XXXX '' only to find that MY funds had been held by the Truist Fraud Dept -- despite my appearance at the bank XX/XX/24, presenting my XXXX  XXXX ID Drivers License, ATM cards for both my business and personal accounts with Truist. She explained that there was nothing to be done until the Truist  Fraud Dept cleared my funds for release. While in her office, I phoned my attorney and with him on speaker we questioned XXXX -- this impressed her ( unfavorably ). My funds were released later that day. 
XX/XX/24 I encountered her again when I attempted to withdraw $ XXXX in cash as well as a $ XXXX bank check to transfer funds again to XXXX  bank. 
On a personal note, I'm a XXXX XXXX XXXX retired family physician, white male with disabiity and chronic pain issues -- prolonged standing aggravates my pain issues. There was no line when I arrived in front of XXXX XXXX, the Truist teller that day. after 30 minutes of standing I had my $ XXXX in cash, expecting that the bank check shouldn't take much longer since I had already presented all identification requested. After 45 minutes, XXXX XXXX told me I could sit down as she could see I was in pain and that she would call me but that the branch mgr had to sign off on the $ XXXX withdrawal. Fifteen minutes later XXXX XXXX summoned me to her station, explained that the cash needed to be recounted per the branch mgr who had been on and off of her phone and had a few customers come through her office during the preceeding hour. After taking the sealed envelope from me and running through the counting machine ( the 3rd time ) she seized the cash, refused to return it under XXXX 's directive. I asked to speak to Cetera who informed me that my out of state drivers license ( that I had used XX/XX/24 without problem was now a problem, that I needed a FL drivers license to get my funds. I had to cancel the rest of my days appointments to try to resolve the issue and get a FL drivers license that day. By now I had been at the branch for over an hour. 
XXXX  is a large XXXX woman. I'm an elderly XXXX  male. In my decades of service as a family physician, I've become somewhat adept at learning to " read '' people. XXXX 's anger at me also seemed to have a XXXX component to it. 
I then went to a different Truist branch and was out of the building in less than 30 minutes with all of my tasks completed uneventfully.
Product: Checking or savings account

Chase Bank is advertising a {$200.00} bonus for opening a checking account. On the website it says open account and coupon code automatically applied. The site also indicate that I should receive my bonus for opening an account within 10 days. I called Chase and asked where was the bonus and was told it if I didn't have a coupon code that it's too late to receive the bonus. I went inside a branch to talk to a representative and got the same result. I called customer service again and was told to create another account to receive the bonus. I knew that was incorrect so I asked to speak to a manager who was rude and condescending. The manager was not apologetic about me receiving the incorrect information. I think Chase is misleading consumers to sign up for an account and not give the bonus. I could have opened an account with XXXX XXXX, but I chose Chase because they used to have good customer service and wanted the bonus. I have documents to show the what information that the website is providing that proves I have been mislead. It clearly states the bonus coupon code will be automatically applied when opening an account online which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX balance : {$330.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , balance : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX have violated my rights. 

The following accounts display as hard inquiries that i am unaware of & have also violated my rights. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

About this time last month - I had used my Chase Debit Card at a XXXX store to purchase a wallet. The next day I had notcied that my card was missing - I contacted Chase as soon as I noticed the card was missing and filed a claim with them. They never responded to the claim with any updates and I would constantanly be calling to check status on the claim. Which they would always say they had no information. So now 4 weeks later - I find that my checking account accocated with debit card was closed. I contacted chase again and they claimed to have contacted me to let me know but never did. They said the account and card was closed due to the charges I claimed as fraudulent were maybe before the purchase at XXXX. The purchase at XXXX was made in the morning time, and Chase is arguing that the charge at the XXXX store was made at XXXX which is impossible because the store closes at XXXX. I feel like Chase bank is discriminating against me because I am XXXX. I have been a long time customer with them and I do n't know why they are treating me like this. Chase bank says they would like to end their relationship with me and I can no longer bank there, which is unfair. I have been a good customer and want to still bank with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge multiple unauthorized credit inquiries made by your company on my Experian credit report. These inquiries occurred on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company may access a consumers credit report only for permissible purposes, such as when the consumer has : Applied for credit with the entity, Initiated a transaction, Provided written authorization, or Has an existing credit relationship. 


I have no such relationship with XXXX XXXX, nor did I authorize these inquiries. Therefore, these appear to violate federal law. 

Legal Precedent : The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) emphasizes that businesses must demonstrate a clear permissible purpose for accessing consumer reports. In XXXX, a car dealership accessed a consumer 's report without valid justification, and the court ruled in favor of the plaintiff, awarding damages. This case sets a legal standard for accountability under 15 U.S.C. 1681b.
Product: Mortgage

XXXX XXXX went to my Bank of America in XXXX XXXX AZ ..I put {$1000.00} cash to go to principal pymt on mortgage. It was not applied. Saw XXXX XXXX to resolve issue.. did not get resolved called 800 # customer service. Assured me it would be corrected. Not! XXXX called again case # XXXX. Still not resolved. Went to bank in XXXX because our bank was closed indefinitely because of Covd19 at Bank of America therefor 3 hours with XXXX XXXX case # XXXX still not resolved. 10-23 received email & packet in the mail of foreclosure because of lack of payment. I have auto pay and payments have been taken out every month. I pay bi/weekly. So payments are taken out twice a month the XXXX & XXXX. Called customer service again on hold again for 2 hours! Assured me it would b taken care of. Icon on my statement states Payments are late but they keep taken them out of my checking. 
Current mortgage balance status : XXXX XXXX XXXX My new due date is XXXX or XXXX. 2 due dates. I have 3 pages of notes receipts ect Please help!! XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

RPM, Receivables Performance Management LLC, for XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017. Also, RPM is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site for {$120.00} and never made aware of such debt in writing. This is a violation of the FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened XX/XX/2022 With Citizen Bank With in correct name XXXX XXXX XXXX I have no XXXX in my name With a false home address XXXX XXXX XXXX XXXX PA XXXX I believed my social security was stolen and other information was used to open account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC. Please delete the following accounts. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX Account Number : XXXX bal. {$1700.00} Account Name XXXX XXXX Date XXXX : XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XXXX, an unauthorized hard inquiry for a mortgage was put onto my consumer report, without applying for a formalized loan of any kind. I contacted the mortgage company that performed the hard inquiry and asked who consented to this and why. They were unable to provide an answer. The refusal of the CRA to abide by the strict mandate of FCRA 604 that an inquiry that lacks permissible purpose is not permitted, which includes posting an inaccurate record of something that was not proper in your credit report.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not take timely or effective actions to prevent fraud or adequately protect my account, leaving it exposed to unauthorized activity.

Additionally, their dispute resolution process was both unfair and deceptive, failing to adhere to the error resolution requirements set forth under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced significant inconvenience and financial loss, and I am requesting appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am rewriting to file a formal complaint to EXPERIAN regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the EXPERIAN will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
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 Account name XXXX  XXXX  XXXX Account number XXXX Original creditor XXXX XXXX
Product: Debt collection

I had derogatory marks on my credit report for years from XXXX XXXX XXXX. I have never had an account or done business with this company or the company the claim to be collecting debt for. 

I have asked for any proof that debt is owed multiple times over a 5 year timespan but the company just sends a letter stating that the are collection the debt from an account with a prior company called Rise. No information has ever been provided that I signed or have ever done business with either of these companies & XXXX refuses to remove the info from my credit report. 

To make matters even worse an unauthorized party gained access to their systems and the party gained access to my information.
Product: Payday loan, title loan, or personal loan

Offered {$800.00} but only needed {$600.00} was never told the high high APR % of 448.5174 %. I have paid 6 payments and stopped payments on last 2 payments that were to come out of my bank account. I called and asked why I wasnt told about the over 448.5174 % APR rate. I was hung up on. Then I've called back twice just to wait on hold no answer. People do need help sometimes when an emergeny happens like for me it was a hot water heater gave out and busted but being dishonest to a consumer When I was not told I would have to pay 448.5174 % back on {$600.00} in interest. The true APR rate wasnt shown until after the loan was processed. They should shut this XXXX XXXX XXXX/ XXXX  XXXX  /big picture loans down. This was a scam Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 448.5174 % My Account is now Delinquent due to the fact I refuse to get ripped off from some company that is lying to people upfront instead of being truthful about ridiculous Interest rates ( APR % )
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
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. 


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

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a zero  balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint informing the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX 'S XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX