23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identify theft and i have inaccurate information on my credit report.
Product: Checking or savings account

On XX/XX/2023 I went in with my XXXX  to the Truist Bank Branch at XXXX XXXX XXXX XXXX, FL XXXX to remove my XXXX  from a secondary account holder and add her as beneficiary. We were both there to sign the necessary papers. XXXX XXXX the service representative, told us that we couldn't modify the existing checking account. 
She said we either close that checking account and open another with me as the account holder and my daughter as beneficiary or we could leave the bank and close the account. I was forced to open another checking account and my XXXX  was listed as beneficiary. Then she said she couldn't give me in writing that my daughter is a beneficiary. She said that information is internal. This has been the worst experience of my life. 

I have a very old checking account that has many benefits that I am not willing to loose. I left the old checking account with {$100.00}. The new checking account I was forced to open I withdrew the funds and only left {$6000.00}. I am not very happy with this bank. This bank needs to give their customers a copy of the signature card were the beneficiary is listed. That information is not internal. The customer needs that information for their records. Also, I didn't want a new checking account. I wanted to modify my existing old checking account and list my daughter as beneficiary. I have gone to many other banks to inquire about this and none of them treat their customers like this. I'm XXXX XXXX XXXX shame on you Truist Bank. This is elderly abuse. 

XX/XX/XXXX XXXX XXXX filed a complaint on my behalf with Truist and the way they do business. I put another complaint with the supervisor about XXXX XXXX the service representative. XXXX XXXX is very rude and shouldn't be dealing with the public. She needs listening skills. 

XX/XX/XXXX I went to XXXX XXXX the supervisor at the same Truist branch for help on my old account she sent an email so my daughter could be removed as secondary account holder and listed as beneficiary. I also requested a copy of the signature card. 

XX/XX/XXXX Truist answered her email and refused to modify my old checking account. They gave XXXX XXXX the supervisor the permission to give me a copy of the signature card. How ridiculous, what I went thru to get a copy of the signature card. 

XX/XX/XXXX I received an email from Truist Bank so I can rate the service I received. 
I gave them the worst rating possible. Then I put my phone number so they can call me. From the first complain to this one I have yet to receive a phone call. 

Please help me. I'm XXXX XXXX XXXX. I've had this checking account for almost XXXX  years. I don't want a new checking account. I want to modify my existing checking account.
Product: Credit card or prepaid card

I received a call from XXXX XXXX credit card stating that they needed more information from me to process my application, I informed them that I did not apply for a credit card and that I have in the past had issues of identity theft on my accounts and other issues of someone apply for auto loans, etc. I have had this problem for over 10 years off and on everytime I think this issue of idenity theft starts to slow down, something else pops up again. I told the lady I spoke to this and said that I did not apply for this, and ask her since this happened that I did not want this to become a hard inquiry on my credit report because this was fraudulent, she told me she would let the company know. Well it did show as a hard inquiry and I have been trying to get this removed off of my credit report as a hard inquiry. The date of this inquiry shows on my report as XX/XX/2022. I spoke to TransUnion and XXXX XXXX and I was told only way I could get this removed was to go thru the channels of this to do it.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from Weiss XXXX claiming to have a lawsuit pending from XXXX that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
Product: Credit card or prepaid card

It's XX/XX/2022. Bank of America is telling me that I must call their customer service during specific hours ( XXXX to XXXX XXXX ) to cancel a credit card I have with it. I'm on the XXXX XXXX, so XXXX EST is XXXX PDT for me. 
Bank of America won't take cancellation calls from customers outside those times. Agents are trained to say " We don't have access to that system ; those agents aren't in the office ''. What's more, I can't cancel online despite doing ALL my business with Bank of America - including signing up for the card and paying my bill - online. My online account funnels me to call a customer service agent before XXXX. 
It should be as easy to cancel an account as it is to sign up for ( and be accepted ) for the credit card. Bank of America accepts new card requests XXXX online. That's how I initially signed up for the card. It should be required to allow online cancellation XXXX or accept phone calls XXXX. Just as there are ways to confirm the initial card request isn't fraudulent, Bank of America has simple ways to similarly confirm the cancellation isn't fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681. I told Transunion, to reinvestigate these accounts : XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX XXXX, XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was opened 100 % fraudulently by somebody else that had stole my identification card! 
I had my taxes from the IRS stolen XXXX years in a row, and I had put a personal protection pin for my tax return, and when I return to my XXXX XXXX to check my tax information, and my credit score I found inaccurate fraud accounts opened up in my name that I would like removed please! 

A suspect has used my good credit, and squandered it by opening up fraudulent accounts that I would like taken off please!
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX WELLS FARGO CREDIT CARD XXXX XXXX XXXX XXXX, IA XXXX I WOULD LOVE ALL AND ANY FULL INVESTIGATION INFORMATION WELLS FARGO HEADQUARTERS etc. FOR FRAUD/IDENTIFY THEFT etc.I HAVE BEEN A DEDICATED CUSTOMER SINCE XXXX TO CURRENT.SO I WOULD LOVE ALL AND ANY FULL INVESTIGATION XXXX TO CURRENT OF, ALL AND ANY ACCOUNTS/ CREDIT CARDS / DEBIT CARD etc
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Debt collection

I request that RICHLAND BUREAU OF CREDIT # XXXXformally substantiate account data RICHLAND BUREAU OF CREDIT conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RICHLAND BUREAU OF CREDIT desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a CFPB complaint # XXXX   about XXXX regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. XXXX  responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and XXXX to settle this account in full and to close this account out to a XXXX  balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted XXXX and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with Experian echoing all the above details and on XX/XX/XXXX Experian completed their dispute with a verification of the current reporting. Experian could not have researched the reference account and then verify the information because that is not correct. I believe Experian did an electronic XXXX  verification and did not research this in its entirety. If XXXX  did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I called Equifax at phone number XXXX and spoke to a woman by the name of XXXX I expressed to her that I wanted to request method of verification under section 611 of the FCRA she quoted to me a portion of the law and stated that she is not required to provide method of verification I then asked for her ID number she stated she did not have one.I find it absurd that she would not provide me with a method of verification for a disputed item belonging to a XXXX # XXXX reporting on my credit report because if you get a response to your dispute from the credit reporting agency saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The confirmation number she provided me for this call was XXXX  clearly she does not know the law and now Equifax is in violation of the federal law!
Product: Checking or savings account

My computer was hacked and routed to a person representing XXXX. The fake agent represented themselves as a XXXX agent with title, badge number, etc. The fake agent got full access to my computer. I did not know it was NOT a XXXX agent. The fake agent told me she could see my Bank of America account was hacked. She told me to check if I had any email notices from Bank of America. I did have a message and it was a XXXX number to Bank of America but unfortunately it routed me to a false Bank of America agent . The fake Bank of America agent told me he could see all the activity in my account and read me the last 5 transactions. He then told me there new fraud transactions amounting to over $ XXXX. He told me he was freezing the account and would start to open a new account but needed to report this to Federal Reserve/FDIC . He called me back with a fake FDIC agent and the fake FDIC agent sent me a letter requiring me to move the money over a Federal Reserve account or I would not be protected. I was asked to go to my local Bank of America branch and wire the money. I did wire the money and once he did not set up new Bank of America accounts, I knew it was a scam. I notified Bank of America immediately but they said the wire was gone and I lost the {$220.00}, XXXX transfer. They would try to send a cancelation but the money was already gone. They had no processes in place to avoid or ask questions about unusual account activity and just pointed to the fact that I signed the wire form. They did not even put a fraud group on the call to review the incident, but said it was wire fraud and I signed the paperwork so it is my issue.
Product: Checking or savings account

I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the XXXX receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with XXXX but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through XXXX and they knew XXXX wouldnt help me
Product: Credit card

Citi bank online payment continues to practice inaccurate information. This invovles the amount of money that is due on my credit card. I use their pay current balance option and some how the next months when my statement show a random {$700.00} to {$900.00} dollars is still due. It does this every month for the previous month no matter how I pay. It never goes away, doesnt matter if show them the math and dispute it on the phone. They always claim on the phone it doesnt show pending charges but current pending charges and thats why I dont see what I owe. They try and list pending charges and it never add up to anything close to what they claim I owe. They will go in circles trying to claim well the money must have come from before. We need to go back a month and see what that statement balance was previously. 

I had the same issue with XXXX  and eventually through working with cfpb the next day they credited me back the over charge of around XXXX dollars. 

This is false billing pracitce and is completely defrauding me. 

Currently they claim i owe XXXX dollars but i paid off my current balance right around the due date of about XXXX XXXX dollars. There is no way to get them to admit the online billing system is falsely showing information from previous statments. 

If this continues I will send them a demand letter to fix it and sue them.
Product: Checking or savings account

We currently have 2 accounts at Regions we have tried make several deposit which have been declined. We have tried to contact Regions and keep getting transfer from depart to department and no answer is giving why the deposit have been rejected. Payments for the line of credit are automatically being deducted from the accounts and generated overdraft fee and monthly fees. We want to know why the are rejecting the deposit being made through the online banking when there were accepted for almost a year and have fees reversed.
Product: Credit card or prepaid card

This organization called I love my Freedom ( ilovemyfreedom.org ) from Minnesota sells you shirts and other XXXX XXXX. If you purchase something in checkout your automatically enrolled in a monthly T-shirt Trial that you never asked for and have to pay for it. I tells you can cancel it but they never do cancel it. you continue to get your credit card charged. you contact them and they say they have high volume and will get back to you in 48 hours.When they contact you back they tell you there looking into it and then never gets back to you. Even if you send an email to cancel it never gets canceled. Someone needs to look into this problem because many are losing the battle with them as I am.
Product: Credit reporting or other personal consumer reports

Description of What Happened : I am filing this complaint against LexisNexis Risk Solutions for failing to comply with the Fair Credit Reporting Act ( FCRA ) in their investigation of a disputed bankruptcy record ( case # XXXX ) reported on my consumer file. Despite my requests for a thorough and transparent reinvestigation, LexisNexis has failed to provide sufficient documentation, specific details, or proper resolution to my dispute. 

On XX/XX/year>, LexisNexis claimed to have mailed me a " standard description of procedure '' in response to my dispute. However, this response was vague, generalized, and failed to meet the requirements under FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates a specific description of the procedure used to verify disputed information. LexisNexis did not : Provide a copy of the XXXX  record or any evidence directly linking the bankruptcy to my identity. 
Specify the exact steps they took to verify the accuracy of the record. 
Identify any sources or furnishers of information beyond referencing XXXX. 
Further, LexisNexis admitted to disputing this bankruptcy record with XXXX, XXXX, and XXXX on my behalf without my explicit permission or notifying me of their actions beforehand. While this may fall under their FCRA responsibilities, it highlights their lack of transparency and disregard for keeping me informed about critical aspects of my dispute. 

I believe this bankruptcy record is inaccurate. There is a possibility of mistaken identity, clerical errors, or an incorrect association with my Social Security number and address. Despite these concerns, LexisNexis failed to provide any supporting documentation proving their claim that the record is accurate. 

Key Issues : Failure to Provide Evidence : LexisNexis did not supply XXXX  records or other supporting documentation linking the bankruptcy to me. 
Non-Specific Description : They offered only a vague explanation of their procedures instead of case-specific details required by the FCRA. 
Failure to Notify : They disputed the record with credit bureaus without informing me or obtaining my consent.
Product: Credit reporting or other personal consumer reports

I am Contacting a Transunion to remove the Unauthorized inquiry Please remove the unauthorized Inquiry off of my report dated XX/XX/year>. The inquiry is a XXXX XXXX XXXXXXXX inquiry Transunion is still reporting, inquiry needs to be removed immediately it's not connected or associated to any of the accounts listed on my report. I do not want Transunion to do a security freeze or add a fraud alert without my permission. I have Ftc report and supporting documentation below to show proof of unauthorized inquiry This is a update ftc report that has letter head and FTC report number
Product: Credit card or prepaid card

XXXX XXXX I charged XXXX at XXXX XXXX XXXX XXXX after making a return for XXXX I was on my lunch break and in a hurry.. not sure if I left me card inside, in the machine slot, dropped it out of my hand inside store or outside the store .. I realized I didnt have it when trying to go through a drive through for a quick lunch ..., so the last place I used it was XXXX ... I immediately freaked out..so I called them and they said someone turned it in ... I went back and got it..it was out of my possession for Mabey 10 min or so..when I got statement next month I saw a charge for XXXX ... I never spend that a XXXX store and could easily be verified by looking at my XXXX spending history on my statements. I immediately realized someone must have used my card in those few minutes and then turned it in..I called and reported it to Citi Cards and they shut down my old number and I had to get a new card and redo all my automatic payments ... .which is a very inconvenient. But worth it because that person could have took a screenshot of my card before turning it in ... someone did not due their due diligence about this claim. I have never had a credit card company treat me so bad. It was a representative named XXXX XXXX. Who made the decision not to validate my claim ... he said that if the merchant gave me my card back if was on them .., I said XXXX , Citi Bank , nor myself made those charges ... but Citi Bank is my credit card holder and is suppose to protect me from fraud. XXXX never makes a claim to protect me in case of fraud ... I am very dissatisfied and disappointed in Citi Cards and Citi Bank. I have been a good customer for several years.
Product: Credit reporting or other personal consumer reports

WROTE letter to opt out ( XXXXXXXX XXXX XXXX XXXX ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( AN PROMO INQUIRES ) which is a violation XXXXXXXX XXXX each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud