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

Three deposit accounts were opened fraudulently with my information I never banked at this bank my identification drivers license and social security number was lost and used by someone I dont know
Product: Vehicle loan or lease

A loan was taken out in my name on XX/XX/year>, I was a resident of alabama at that time with a alabama driver licens I was XXXX years old at the date of this loan being opened, alabama state law at that time required a person to be XXXX years old to enter into a contract, there is no way this loan could have been mine due to alabama code 26-1 1, it was my brother 's truck and his name was on it XXXX XXXX but some how the creditor ameri credit gm fincial placed me on the loan also and the vehicle was repossessed and now charged off, since this has happend my credit has been ruined I can't get a vehicle loan due to this error, ameri credit gm fincial allowed someone to use a minors info and finace a vehicle with out proper consent or any documents from me, this contract should of Ben void due to me being under legal age requirement for entering a loan I wasn't even XXXX legal age in any state in this USA for entering a contract with a fincial company please help me
Product: Money transfer, virtual currency, or money service

I initiated a money transfer on XXXX/XXXX/XXXX within Citi Bank online portal using their embedded service called 'XXXX XXXX. Both my ( sender ) and recipient 's setup was correct, the {$400.00} amount was debited from my account IMMEDIATELY after I initiated it, and recipient got a text message, which means the token was taken to the correct phone number. The money NEVER made it to the recipient 's account ( which was also with Citi Bank XXXX. 

I called both Citi Bank and XXXX customer service on XXXX/XXXX/XXXX to check where my money was. Neither party knew the answer. XXXX insisted that they had no access to transfer details, the money should stay with Citi Bank. Therefore I asked XXXX XXXX to call Citi Bank on my behalf to confront and confirm whose fault it was. After investigation both party agreed that it was XXXX of my / recipient 's fault. The service just failed for some technical reason that neither party knew about. The Citi Bank supervisor named XXXX PROMISED me that I 'll get my money back to my account on/before XXXX/XXXX/XXXX. It did n't happen. 

Frustrated I then call Citi bank again on XXXX/XXXX/XXXX to see where my own money was. A supervisor called XXXX XXXX ID : XXXX ) had created an internal investigation case for me with XXXX. He refused to provide me with a timeframe when I shall get the money back. After my insisted asking, he PROMISED that he 'd follow up on the case first thing the next day ( Tuesday XXXX and usually I should get the money by Wed afternoon since he 'll ask the internal XXXX to give me an immediate credit as first priority over their " investigation '', since the fact is CLEAR after his own judgment. He also asked me to call back by Wed if no update. 

As expected the money did n't come back on Wed. Therefore I called XXXX again on XXXX/XXXX/XXXX in the evening to track this issue. I was directed to a supervisor called XXXX XXXX Team XXXX, she REFUSED to give me her personal ID ), who showed no sign of helping me with this issue to expedite at all. She mentioned repeatedly that 'YOUR ACCOUNT WAS NOT ELIGIBLE FOR AN IMMEDIATE CREDIT ', despite the fact is clear that I was not at fault and it was my OWN MONEY that was missing. She refused to do anything for me and also mentioned that per her experience such cases would TAKE XXXX TO XXXX DAYS TO INVESTIGATE. Before the case is wrapped up it 's impossible for me to get the money back. After I said this is ridiculous and some unpleasant back and forth, she finally hung up on me without any further assistance to resolve this issue. 

Finally I called XXXX again shortly afterwards, and this time a supervisor called XXXX XXXX did n't provide ID ) PROMISED me to expedite the issue and ANOTHER XXXX TO XXXX BUSINESS DAY 'S WAITING IS POSSIBLE. I asked explicitly XXXX. A callback to address update of the case XXXX to complain the previous supervisor ( XXXX XXXX and that I request AN APOLOGY from herself or her XXXX. Up to this time I 'm still waiting. It 's been XXXX whole days since XXXX/XXXX/XXXX, when I initiated the money transfer.
Product: Money transfer, virtual currency, or money service

Chase refuses to deposit my money into my account, I received a wire transfer from truist bank in the amount of XXXX for a loan. Chase claims to have my money on hold, because they said the name on the wire transfer doesn't match the name on my account. This is false, they told the bank that my name doesn't match was on my account, and now truist bank wants to shut my account down and refund the loan because chase lied, and they think its fraud. Deposit my funds right away or I will pursue a lawsuit.
Product: Credit reporting or other personal consumer reports

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Mortgage

Hello, We began falling behind in our mortgage payments due to hurricanes and medical issues. This began in XX/XX/XXXX. We continued to file for a loan modification and CMG Financial sent us a letter saying our only option was a repayment plan in the amount of {$2900.00} each month until we were current. They decided this amount based on our financial information and our GROSS income. Our mortgage payment went from {$1400.00} to {$2900.00} each month. We were forced into accepting because we did not want to lose our home even though we were going to struggle to make that monthly payment. Fast forward to XX/XX/XXXX and we are now behind again because they REFUSE to take a partial payment. We can not afford the {$2900.00} at the beginning of the month and they will not allow us to make a payment of half at the beginning and half again at the middle of the month. My husband called to make the XXXX payment of {$2900.00} on XX/XX/XXXX. They accepted the payment and told him our new monthly payment for XXXX XXXX-XXXX XXXX will now be {$3900.00} each month. If we can not afford to make the {$2900.00} payment we certainly can not afford to make the {$3900.00} each month. When we look at our monthly statement it shows we are behind 7 payments of {$1400.00} which totals {$10000.00}. We also have late charges of {$180.00} and " Other Fees '' which they will not explain to us of {$1800.00}. We have asked if we can try and pay those first and then chip away at the other payments we could work that. They will not help us at all. The amount of money they say we owe on the statement does not match up when you divide it all out. We do not want to lose our home but they are putting us in a situation where we can not pay them. They refuse to accept any payment except the past due amount. My husband is XXXX XXXX XXXX   from the military and we are trying to make ends meet but can not without some help. 

This company is CMG Financial and they have been horrible to work with!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR ABOUT XX/XX/2020 TRANSUNION RECEIVED A DISPUTE FROM ME PERTAINING AND UNVERIFIABLE, INACCURATE AND INCOMPLETE ITEM REPORTING IN MY CREDIT REPORT. 30 DAYS PASSED AND TRANSUNION FAILED TO RESPOND TO MY DISPUTE, IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE. PURSUANT TO SECTION 609 AS REQUIRED FAIR CREDIT REPORTING. TRANSUNUON HAS OBLIGATION MANTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT FILE AND HAVE FAILED TO DO SO
Product: Credit reporting or other personal consumer reports

Fraudulent. My identity has been stolen and I need help I did not consent to these accounts and would like them removed from my report immediately. My information has been compromised in a security breach and under Section XXXX B. All on my report should be removed. Please Collection/Charge-off Amount Past Due Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit Grantor, Account Closed At Consumer 's Request Times XX/XX/XXXX XXXX XXXX XXXX Months Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge-off Amount Past Due Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit XXXX XXXX XX/XX/XXXX Days Late XXXX Months Reviewed XXXX Term Source XXXX XXXX XXXX High Credit {$400.00} Creditor information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX VS Voluntary surrender XXXX No XXXX XXXX Monthly Payment Amount {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit XXXX XXXX XX/XX/XXXX Days Late XXXX Months Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

American Express high yield savings closed my account XX/XX/XXXX for no reason after money was fraudulently taken from it and they were suppose to send me my money of {$15000.00} and havent received it. I have a police report as well
Product: Credit reporting or other personal consumer reports

I am so glad that the XXXX had manage to remove all the issues that I have put forward to them. And the most of the problematic issues were also removed from my XXXX and TransUnion credit reports. The thing is there were still few more troublesome items which were not removed yet. So, I am requesting the XXXX and TransUnion Bureaus to please remove them within 15days : XXXX : CHILD SUPPORT ENFORCEM XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX POLICE AND FIRE XXXX XX/XX/XXXX POLICE AND FIRE XXXXXXXX  XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

Its Credit Karma .On XX/XX/XXXX my phone was stolen out of my vehicle. I made multiple attempts to disconnect service however its in my dads name and he was on a cruise. I also made multiple failed attempts to erase phone and as well as lock it but didnt have correct password.. However later that day I had left to XXXX. I returned to XXXX on XX/XX/XXXX and that is the same day my physical card was activated by myself. The very first transaction I made was for {$83.00}. I used my card a couple times not much became I was saving to put my son whom I lost in XXXX of XXXX in his finial resting place at the cemetery. On XX/XX/XXXX I attempted a transaction and it was declined due to insufficient funds. I called the bank and my account was drained of everything. I was also told that it was used on a virtual credit karma card. Thats when I realized it had to be my XXXX XXXX. I then filed a claim and yes I stated my PIN was compromised. I asked for a number or email so I could submit my police report and my flight tickets showing I wasnt even in the state. I was told if they needed anything they would email me. Never received an email requesting documentation. Four days later my claim was denied. I called and appealed the decision and found out that the rep included a transactions that I made with my physical card that I am not disputing. However again it was denied for the reason of being authorized. I opened the claim again and it was denied for not saying my pin was compromised. I calked back and reopened it again and was told it was denied because I made transactions after the date Im claiming it was stolen. I have requested all documents pertaining to my claim that was used to deny my claim. I asked for copy if transactions I disputed to confirm and monthly statements. I havent received anything. I then emailed all my proof plane ticks, police reports, written statement and I also explained Im not disputing my physical card transactions only the virtual card transactions those are the only ones I didnt authorize. They havent helped me at all. I cant speak to anyone. I asked for a manger to contact me and nothing no documents. And they keep denying my claim and its legit. They also closed my account so XXXX cant even look on my online banking. They are refusing to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that was reporting on my Credit Report : XXXX XXXX Date XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,
Product: Vehicle loan or lease

I do not recollect me having a loan with Santander. I did try to rectify the situation, I thought I could pay it but it was too much for me to spend for a debt that is not mine. I just want it removed.
Product: Credit card

I had a credit line with  XXXX   XXXX  that unfortunately slipped into collections in  XXXX . In late  XXXX , I was contacted by their collection agent,  XXXX   XXXX , about this debt. I agreed to settle my outstanding balance, and that payment was finalized in late  XXXX . Now,  XXXX   XXXX  refuses to update my account as paid on my credit report. They are still reporting to the credit bureaus that I owe them {$1800.00}, when in fact, I have settled this balance in full. I have even disputed this account with the credit bureaus, but  XXXX   XXXX  continues to tell the credit bureaus that I still owe them {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I want to inform the credit bureaus once again that I am a victim of identity theft and request the removal of these fraudulent items from my credit file. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items associated with identity theft. Here is the list of items I need removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Debt collection

We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.