23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card account XXXX XXXX account was closed by creditor and charged off the amount was 250 now reporting as 0 in closed accounts but this collection agency portfolio continually keeps reporting it as open with a balance that is wrong and fraudulent. I have tried to get this removed through dispute on XXXX  only and the collection agency portfolio reset the date illegally on my credit report instead of correcting error and removing the information. I want this false information removed immediately.
Product: Checking or savings account

Date : Wednesday, XX/XX/XXXX. 
Amount : Service to withdraw large bills. 
Action : Discrimination/Harassment with service due to religious exemption from wearing mask. 

What happened : Let me start by saying, I have banked at Bank of Hawaii for years and have always appreciated their service. I think it's a great organization and it has helped me with several banking services throughout the years, which I am grateful for. 
However, I have a legal federal religious exemption from wearing a mask. On this day I was asked to leave the building when I tried to gain access to my bank account to withdraw large bills. Someone behind the counter called security. XXXX, an employee, appeared from behind the teller counter and asked me to put on a mask. I told him I had a legal federal exemption, I even provided paperwork. XXXX explained " store policy '' required that I wear a mask. I tried to explain Law supersedes store policy. XXXX said " I know '' but preceded to request I wait outside. XXXX took my ID, withdrawal slip, and asked me for my bank account information just outside of the front entrance. After I gave him the information ( again we were outside ) he asked me back inside so I could sign the withdrawal slip. XXXX took my withdrawal paperwork along with my ID to retrieve the money. I waited at the back wall, until the manager, XXXX ( I believe ), walked over from her desk, insisted I wait outside, and escorted me out the door. XXXX and his manager, XXXX, came outside with an envelope holding the amount of cash I requested to withdraw, over {$1000.00} in large bills. XXXX asked me if I wanted to count the money there, at the front door of the bank, or in my car, and she had very angry and aggressive tone. Either option is not an acceptable safe and secure place where I want to expose the money I had just withdrawn. The parking lot had other people, not to mention we were standing at the front door where people walk in and out to access the bank. I told them I'd prefer to count the money inside the bank. XXXX was visibly cross and her tone was angry. I explained I did not want to fight, I even held up my hands in surrendor. I explained, again, I have a legal federal exemption. XXXX angrily said that my exemption did not work at the bank. When I reminded her the bank is a public place of business, XXXX rolled her eyes and ultimately allowed me back into the building where the money could be counted in private, safe, and secure place. As the bank is governed by the Federal Reserve, I imagine they must abide by federal laws. US Federal Law Title II, Code 42- 2000 ( a ) which states individuals have free and equal access to all facilities and services in business establishments, regardless of store policies. Furthermore, denying my service or requiring me to be served outside or be limited to home delivery is a violation of Title II, III and VII of the U.S. Civil Rights Act of 1964.
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 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fo14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023, I went to the Truist Branch located at XXXX XXXX XXXX, XXXX MD XXXX and requested a banker to send an international wire from my checking account. 

Unfortunately there was an error in the wire information and subsequently I requested a wire trace and then a recall since the beneficiary ( final destination ) bank has not been able to receive the funds. 

I have been to the branch multiple times and called the customer service line multiple times. I've been told I can not speak with the wire department directly about my wire. 

The beneficiary bank ( final destination ) has requested assistance to locate the wire / recall, however the Truist wire department staunchly refuses to help productively. All they have repeatedly responded is " the wire is under investigation ''. Each time I do have to go through a Truist banker or Customer Svc Rep to communicate with the wire department.

Finally, after 2 weeks of my calls and visits, today I was told the wire went from Truist to XXXX XXXX XXXX and then to XXXX XXXX

Which is fine. That's how wires are sent sometimes. However, I have not been told who XXXX XXXX  sent the wire to. 

I humbly request your assistance to simply receive the details on who XXXX XXXX  sent the wire to. 
The final destination / beneficiary bank needs this information in order to assist with locating the recall or wire.

Truist Bank Wire dept is refusing to provide this information and without this information the beneficiary bank is unable to perform a search on their end.

I have been informed by Truist that they will close the case soon. The amount in question is {$23000.00}.

I am also alarmed at how this is even legal for the wire dept to refuse to provide my own information to me especially after I paid for and ordered a wire trace and wire recall.

Please help me get the details of the final destination that XXXX sent the wire to. 

Recall Ref # XXXX XXXX : XXXX
Product: Credit reporting

TRANSUNION FAIED TO REMOVE HARD INQUIRIES THAT I DIDN ; T WRITTEN AUTHORIZATION BEY ME. 
PLEASE REMOVE THE FOLLWING : XXXX XXXX DATED XXXX/XXXX/XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX DUPLICATE SOL EXPIRED
Product: Debt collection

I have a credit collection company trying to collect a debt that is not legitimate. The debt is from an auto insurance policy i had through liberty mutual in the past. I switched to a new insurance carrier and XXXX XXXX was sent the proper documentation for a notice of termination as required by the policy but they kept sending me bills even after reaching out to them several times and providing them with the notice of termination several times. I followed their rules exactly as they had laid it out to me and they fraudulently kept charging me. I have opened disputes with the three credit reporting agency 's regarding this and requested them do a full investigation and to provide proof of the debt but they have not done as i have asked and just come back saying the debt is verified with no other context or the information i requested.
Product: Checking or savings account

On Friday, XX/XX/year>, I received an ACH deposit in the amount of {$7100.00} from an insurance claim under my sister 's name. I went to the XXXX branch to withdraw the funds but was informed that the deposit could not be accepted because it violated the banks terms and conditions. I was further told that my account would be closed as a result. I was advised to contact the insurance company so they could request the funds back.

On the same day, my sister contacted the insurance company, and they confirmed they would issue a stop payment on the deposit and mail the initial payment. However, on Thursday, XX/XX/year>, the insurance company informed my sister that they could not retrieve the funds because the bank had already cashed the check.

I immediately contacted the banks fraud department, as instructed, to inquire why the ACH deposit was processed despite being told it would not be accepted. I was informed that the department could not provide an explanation and that my account was closed due to foreclosure. I was told that the account closure process would take 30-60 days, and I would receive further correspondence detailing the reasons for the closure and any potential funds owed to me. I informed the representative, XXXX from the Fraud Department, that I have not received any such notice. She stated that she could not provide me with any details or specific timelines for when the notice was sent, if at all, and she only referred to the 30-60 day window.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, 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 account that is reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my XXXX  File Number : is XXXX im a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by XXXX XXXX that Capital One had reported a delinquent payment on my account. I had never made a late payment and have had a 100 % on time payment history for all of my accounts. When I looked into the situation, the only information the Capital One customer service representative was able to provide was that I had made a payment that was {$1.00} short of the minimum, and that it was the {$1.00} that had been reported to the Credit Bureau. This, if true, was an inadvertent mistake. I had supposedly made a payment of {$520.00} instead of {$520.00}. No one informed me prior to the delinquent notice that I had made this mistake, despite Capital One 's claims that they put customer service first and notify you if anything is wrong with your account. I was told by Capital One that I could dispute the report by paying to get my credit report, hand-writing a letter, and providing multiple forms to show why I believed it should be corrected. This report about a {$1.00} late payment dropped my credit score by almost 100 points. Because this seemed like such poor customer service, I filed a complaint with the XXXX XXXX XXXX. I had another representative from Capital One contact me after this, but I was never able to speak with her directly, and she never returned my calls. Then she filed a response that she was unwilling to remove the delinquent report. I did not accept the response via the XXXX XXXX XXXX, and then called CFPB for support. This was approximately three weeks later. At this point, I logged into my XXXX XXXX account to provide information and noticed that by this point, the delinquent payment notice had indeed been removed from my credit report. I am very grateful for this. However, one week later, my credit score has not improved. I would like it returned to what it was before the unfair delinquent report. I am still very disappointed in the way Capital One handled this and in their poor customer service and lack of communication.
Product: Credit reporting or other personal consumer reports

A collection from XXXX XXXX XXXX appears on all three of my credit reports. I do not recognize this account and was not contacted prior to its placement on my credit file. No details have been given about the original creditor, balance owed, or terms. I believe this account may be erroneous or unverifiable.
Product: Credit card or prepaid card

I was sent an email and a prepaid card in the mail unsolicited. I have tried to unsubscribe from emails, requested my account be deleted, all personal information erased, yet I still get daily emails. Never email me here again : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contact premium credit Bureau XX/XX/23 XXXX XXXXXXXX about an hard inquiry! They reported that they are a third party company and I should call XXXX XXXX. I would like the company to remove the hard inquiries from my report because its not me as I said and I never applied for a loan. They sent me to call who pulled the credit instead.
Product: Credit reporting or other personal consumer reports

Someone used my credit with out my authorization. Now I have inquiries I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts has appeared on my credit report. I have never had any dealings with these companies. 

1. The following account is not mine ( open date XX/XX/XXXX ) XXXXDSNB Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine ( open date XX/XX/XXXX ) MACYSDSNB Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i talked to XXXX  XXXX and they said they couldn t do anything in response to me asking them to remove hard inquiries from my credit report and they said i should call credit bureau which i did so i keep getting run around when their not honoring their policy of no harm to my credit when i check
Product: Credit reporting

I received a notification through a credit monitoring system that a collections account was posted in my credit report. I found the information of the agency and after I called them they realized that the collections account belongs to my dad, and it 's related to a medical service that my younger brother received, at least that 's what they said. At first they refereed to my brother as my " son '' which is another obvious information mismatch and I clarified to them that I 'm single and I do n't have any kids. My dad and I almost have the same name, and we used to live in the same place but my birthday and SSN is obviously different. They told me to open a dispute with experian so when the collection agency receives a letter the will remove the account from my credit report. I tried to submit the dispute online with experian but the website told me to call them personally when this specific kind of issue ( mixed information ) happens. When I received the results of the dispute they stated that the collections account will remain in my credit because it belongs to me ( even though that the collection agency verified that it belongs to my dad when I called them ), so I went ahead and called again to open a second dispute but the result was the same. I do n't understand how my Dad 's and my credit report can get mixed up if with have different birthdays, and SSN. I do n't have any other credit history before 2014 because I was n't even in the country by that time. If you check all my other accounts are in good standing, and I have no problem to pay such a small amount, but the collection account is simply not mine. I provided my ID so you can verify that my information ( SSN, Birthday and second last name ) does n't match with the information that the collection agency has on record. I also provided experian with documents but I do n't know if they even used them. I also attached the report number and disputed item
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Product: Checking or savings account

This again is another problem with TCF Banking on my checking account- I have recently submitted practically- same problem and issues few month ago ). 
Being charged Overdraft fees on XX/XX/2018 {$37.00} for XXXX XXXX when online banking shows nothing negative see pg 3of16 printout with Running Balance yet I am being charged overdraft fee, And Again on XX/XX/2018 Twice overdraft fee $ XXXX I made purchases in XXXX  and checked balance ( my log in tells when electronically permanent record - I did a transfer into my checking account on XX/XX/2018 from my computer which credit my account $ XXXX TCF states that " Before XXXX to credit/adjust account is the " Cut off time '' ... this did Not happen. I printed my banking info from a library The print out shows my Account username on bottom of page! '' This is Private/Confidential Information '' and a persons Username " Should Never be Printed ''! This is Careless/wreck less- exposure of my Private information that's not being securely contained. I made a Cash deposit on XX/XX/2018 the receipt shows XXXX I asked Teller why does this show XX/XX/2018 when today is XX/XX/2018? her response is that's when it will credit your account- So why is it that when a Cash deposit doesn't get immediate credit and why when I deposit into account receipt does not show " TIME DATE Current- Stamp? Wrongfully stating account transactions-Different dates varies when transactions Actually Occurred-Fraudulently charging overdrafts to Purposely Causing '' a Dominos Affect on banking account adding more fees- what is online showing account activities is not Corresponding with what TCF " so called states '' TCF should be paying me Harm and Distress of exploding my Private confidential information not securing and to show me verify the Times that Transactions Transpire BETTER REGULATIONS and PREVENTIONS ARE GREATLY NEEDED HERE.TCF IS CHARGING OVER DRAFT FEES WHEN : TRANSACTIONS SHOW RUNNING BALANCE NOT NEGATIVE BALANCE AND THEN CHARGING OVERDRAFT FEES BEFORE CUT OFF TIME MAKING ANY OTHER TRANSACTION BE NEGATIVE.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting  agency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XX/XX/1988 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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 dont have no written permission 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 The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this