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

I had a Savings account as well as a Checking account with Truist, both of which have since been closed. 

RE : the Savings Account - I never paid any bills from this account, only transferred money to it and occasionally transferred large amounts out from it to a larger credit union account. Starting in XX/XX/XXXX, the account started to be hit with monthly DIRECT debits from two service providers, XXXX and XXXX. Both are companies I deal with for my own service, but these direct debits were completely separate from my normal monthly payments from checking. 

As I believed the savings account to be secure and rarely touched it myself, I did not monitor it closely, and I finally caught the issue in XX/XX/XXXX. 

RE : The Checking Account - the situation with Savings prompted me to examine Checking again, and I found a few smaller, unauthorized amounts direct debited there as well, also from XXXX, going back to XX/XX/XXXX. They had occurred alongside, but clearly separate from, my normal monthly charges. 

There is no one among my family or friends who would have had access to these accounts, and my only guess is that an online banking password breach may have caused it. 

Upon discovery of all, I immediately filed a fraud claim with my local Truist branch detailing all dates and amounts, and I closed all my existing accounts. 

Truist has been considering my claim for a couple of months, and has returned a few amounts ; however, most of the amounts, though they were still within the allowable window of time for consideration ( 6 months ) and I signed to verify that I did not authorize them, have been declined, presumably because of Truist 's inability to recoup funds from the carriers in question. 

This complaint is only concerning those amounts that were within Truist 's 6-mo. statute of limitations, yet still declined. 

The amounts in question are below. 

SAVINGS ACCOUNT XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$250.00} XXXX XXXX {$320.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$290.00} XXXX XX/XX/XXXX {$270.00} XXXX XXXXXX/XX/XXXX {$200.00} XXXX  XX/XX/XXXX {$460.00} XXXX CHECKING ACCOUNT XX/XX/XXXX {$90.00} XXXX  XX/XX/XXXX {$97.00} XXXXXXXX XX/XX/XXXX {$90.00} XXXX XX/XX/XXXX {$90.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been seven years why haven't my student loans been removed from my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

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

My Experian credit file shows Balance on XXXX XXXX XXXX Credit Limit {$2300.00} from a company called XXXX XXXX I have never requested for any credit with this company nor I'm familiar with this company. I made dispute with Experian and I asked them to investigate the inaccurate information and to also provide me with written proof that they are accurately reporting this information. Experian and this company has no furnished with any information and they claim that the information was certified. 

EXPERIANS RESPONSE BELOW : The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian XXXX XXXX : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 XXXX, XXXX and Transunion did not provide proof or verify that these accounts are mine. I sent in letters 60 days ago asking that XXXX, XXXX and Transunion verify the accounts with my signature on them and they failed to do so. 

Below the uploaded documents also shows that the payment history are not the same faulting in inaccuracies on my credit report for all three of credit bureaus XXXX, XXXX and Transunion. Therefore I ask that the accounts are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX 30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect
Product: Checking or savings account

criminal stole debit card and pin #. took out around 4 to 5k from account. 
XXXX XXXX XXXX says we took all the money our selves, and there was no criminal taking money out of our account. 
The bank never contacted us of unusual charges on debit card. 

They are protecting their own money, and XXXX us. 

we have all proof of the debit card theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian twice on XX/XX/21 and XX/XX/21 as well as disputed online on XX/XX/21 to request to have invalid/incorrect addresses removed from my credit report. I told them which address is my current and only address and yet All they keep doing is updating the incorrect addresses never deleting the incorrect addresses.They have failed ultimately to provide a solution to my dispute and I do not want to be held as a victim of identity theft because someone was able to use the multiple incorrect address thats on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I checked my credit report because my score had dropped significantly and I saw a collection from the XXXX XXXX XXXX. I have never heard of them and can not reach them by phone ( it just stays on hold forever ). I have no idea who they are saying the original creditor was. I havent received anything in writing. I dont believe that this debt is valid or mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file and to express my profound dissatisfaction with how my disputes have been handled, which constitutes violations of the Fair Credit Reporting Act ( FCRA ).

Your recent correspondence indicated that you contacted the creditor regarding my dispute but were still awaiting evidence. This delay is unacceptable and represents a clear violation of Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting information.

I have submitted all necessary documentation, including my FTC report and police report number, yet your bureau has continued to claim that I must further substantiate my personal information. This insistence contradicts Section 611 ( a ) ( 1 ) of the FCRA, which entitles consumers to dispute inaccurate or incomplete information. Your failure to act on the provided documentation reflects a serious deficiency in your investigative process. 

In your recent reports # XXXX from XX/XX/year> states that the information is " still pending, '' which should have been communicated to me promptly. Report # XXXX, dated XX/XX/year>, also indicates that the dispute is " still pending, '' with completion projected for XX/XX/year>. Finally, Report # XXXX, dated the same day, states " here 's your results, '' yet the following line merely states " Credit items. '' This lack of clarity and the absence of meaningful results further illustrate that a thorough investigation is not taking place. All of this information was received by me on XX/XX/year>. 

Your bureaus inability to provide tangible evidence and clarity about the outcomes of these disputes demonstrates a blatant disregard for my rights under the FCRA. The incomplete nature of the investigations is indicative of negligence and raises serious concerns about your commitment to maintaining accurate reporting. 

If the inaccuracies and incomplete information are not rectified and the disputed items removed from my credit report immediately, I will have no choice but to pursue legal action for violations of the FCRA and seek damages for the harm caused by your negligence. 

I expect a prompt response and immediate action regarding this matter. Please ensure that all communications related to this dispute are documented and sent to me in writing. 

Sincerely,
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. 

XXXX XXXX  Acct # XXXX US Department of Education - Acct # XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX XXXXXXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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 an 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
Product: Checking or savings account

CASE NUMBER - XXXX On XX/XX/2018 I opened a new checking account at Bank of America, Ending in XXXX It was opened at Branch in XXXX XXXX, IL by XXXX XXXX ( XXXX ) XXXX. 
I had a promotion applied, deposit {$4000.00} in 90 days and a {$300.00} Bonus would be issued. 
As of today, I continue with direct deposit, and have not received my promotion bonus of {$300.00} for new accounts. 
I contacted the branch and had no response. 
Then I mailed Bank of America twice, received CASE NUMBER - XXXX and was told that I was not eligible, no more detail. 
I firmly believe that I followed the terms of promotion, can you please credit my account with the {$300.00} sign up bonus. 
Thank You
Product: Credit card

This was started when I inquired to do a home-based business for {$99.00}, which was a joke. Then it lead to XXXX contacting us. XXXX said when we sign up with them, we would be getting calls from other people. We were slammed with a multitude of companies for several months and harassed to the point that we regretted signing up. XXXX told us that they would provide us with a successful XXXX business and a custom website. When in fact they have done nothing more than rip us off to the tune of {$13000.00}. 

XXXX XXXX and XXXX XXXX promised that we would receive the best training and support to have a successful online business. We participated in the " coaching '' and did everything we were told we needed to do and made little to no money through XXXX. 

When we got down to the " custom '' website instead of being built by your professionals and customized to our satisfaction as sold we found it was the complete opposite. We spent weeks trying to figure out the logistics on our own with little support doing most of the customizing on our own. By the time the site was built 8+ weeks later it was a complete disappointment given the time it took and effort required on our end. Had this been disclosed upfront we never would have paid them. The " marketing '' efforts done for my site as supplied by you were XXXX links and every XXXX link that we checked was bogus, e.g., blog was in XXXX, blogs made by non-existent people that used bad grammar, posts were found on blogs that had nothing to do with our business. When this was brought to their attention our site was moved from XXXX to XXXX and the $ XXXX month fee was dropped to $ XXXX.We could go on and on about the fact that they shared our information or a host of other issues but what it comes down to is that XXXX deceptively sold us a bogus online business opportunity and I am trying to dispute my charges made on my US Bank card since they did not provide the services that they made me believe that I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- all mortgage loan inquiries.
Product: Credit reporting or other personal consumer reports

I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED SOME FRAUD INQURIES THAT I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT FILE,
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. 

XXXX XXXX XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX  : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have 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 an 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 the information is inaccurate.
Product: Vehicle loan or lease

Hello, This is a long story so I will try to keep it clean 1 ) I submit application to refinance my car loan with Chase on XX/XX/2020 2 ) Chase gives me a 11 % rate despite having a XXXX score ( 2 % higher than when my score was XXXX ) 3 ) I submit complaint ID XXXX after Chase can not provide an answer to how this happened. 
4 ) Chase responds and admits error. They change the interest to 5 % 5 ) I accept this and we move on 6 ) Chase Executive Office submitted fraudulent information about my the loan co signer to CA DMV. They used information we did not provide and swore it was true information to state of California.

7 ) Title is rejected by CA causing the co signer to be removed from the loan but not the title, 8 ) Chase for months never reached out and let me know this had occurred 9 ) Chase avoids me from XX/XX/2020 - until recently 10 ) They claimed it was an error I made and I am forced to spend hundreds of hours over two years and cost me hundreds of Dollars if not more.

10 ) After calling them out on social media they finally responded.

11 ) After two years of claiming it was my fault they quietly fixed the title proving it had nothing to do with me.

12 ) Chase owes me money and will need to rectify the situation 13 ) " whoops sorry about the customer experience '' wont cut it there has been criminal conduct, this has caused me real pain for a long time.

14 ) Chase needs to compensate me fairly for this its beyond the pale 15 ) I have overwhelming evidence everything I am saying is true.
Product: Checking or savings account

I have an account with this bank. They do not have a in person branch or atm location in XXXX XXXX Nevada or anywhere near within XXXX XXXX. 

I have to transfer money from a different account to this account via XXXX.On XX/XX/2022 I transferred {$240.00} into this account which showed up XXXX minutes late into the account and they have charged me two separate items of {$36.00} over draft fee totaling {$72.00} It is impossible to get anyone on the phone with this bank..wait times are over XXXX minutes and system automatically hangs up on you. the chat version is impossible to talk to someone and it says someone will call you in XXXX hours but to no avail. 

I need someone from CFPB to assist so this company can respond. This is XXXX bank or tourist now. I want them to remove the fees as my funds were in the bank within XXXX minutes delay of the cut off time on that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute incorrect social security number, another persons name, accounts in collections, and inquiries that are falsely listed on my credit report with your bureau. The following items are clearly fraudulent and are affecting my credit scores. I have claimed fraud on numerous occasions and your company is reporting another social security number that is not mine, and another persons name. According to the Fair Credit Reporting Act, legally the following incorrect information is not valid should be removed immediately : THIS IS NOT MY SOCIAL OR NAME Incorrect Social Security Number : ending in XXXX Incorrect Name : XXXX XXXX XXXX I DO NOT HAVE KNOWLEDGE OF THESE ACCOUNTS Party Owed : XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX ) Amount : {$540.00} Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX ) Amount : {$110.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXXXXXX Amount : {$1100.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX Amount : {$0.00} Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$2100.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX  Amount : {$0.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX XXXX XXXX  Amount : {$0.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account Number from Credit Report : XXXX Party Owed : XXXX XXXX Amount : {$510.00} Partial Account Number from Credit Report : XXXX Party Owed : XXXX XXXX Amount : {$2200.00} Partial Account Number from Credit Report : XXXX. 

INQUIRIES I DID NOT AUTHORIZE Creditor Name : XXXX XXXXXXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Type of Business : Auto Dealers, Used Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Type of Business : Auto Financing Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : THE AFORMENTIONED SOCIAL SECURITY NUMBER, NAME, COLLECTION ACCOUNTS AND INQUIRIES ARE INCORRECT AND I HAVE NO KNOWLEDGE OF THEM. THEY FRAUDLENT AND INCORRECTLY REPORTING AND I AM REQUESTING THAT ALL BE REMOVED IMMEDIATELY. I HAVE FILED A DISPUTE WITH CFPB THAT THE PREVIOUS SOCIAL SECURITY NUMBER, INCORRECT NAME, AND ACCOUNTS ARE FRAUDLENT. 

This is my official request to have the aforementioned items to be deleted off my credit report. Enclosed maybe additional evidence to support my claim.
Product: Credit reporting or other personal consumer reports

I am now opting out of any and all authorization I the consumer have given you written and non-written, verbal and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon careful review of my report I noticed several inaccuracies, inconsistent and missing information on my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX